Complaints

This profile includes complaints for CashNetUSA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

CashNetUSA has 7 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  CashNetUSA

  175 W Jackson Blvd Ste 1000 Chicago, IL 60604-2863

• 

  CashNetUSA

  200 W Jackson Blvd Stop 4 Chicago, IL 60606-6941

• 

  CashNetUSA

  175 W Jackson Blvd #1000 Chicago, IL 60604-2863

• 

  CashNetUSA

  P.O. Box 643990 Cincinnati, OH 45264

• 

  CashNetUSA

  175 W Jackson Blvd Ste 1000 Chicago, IL 60604

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/19/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today I received a call from Mr. ***** **** about paperwork that is being processed for court as I am in process of being sued for over $2000 that I am supposed to owed on a Cashnet USA loan that I supposedly owe them.I have knowledge of this.Checked my credit report and nothing is there. 

  Business Response

  Date: 10/01/2024

  Thank you for forwarding this complaint. CashNetUSA takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, CashNetUSA no longer provides financial services to residents of Florida.
  

  In addition, CashNetUSA is not responsible for or associated in any way with the persons referenced in this complaint. Based on the details of the complaint, it is clear that fraudsters falsely posing as collectors have contacted Unafred ******. These persons are fraudulently using our trade name in an attempt to extort money from consumers by utilizing threatening tactics.
  

  Furthermost, CashNetUSA is unable to determine if an account exists for Unafred ****** with the information provided (e.g. name, address, telephone number, email address). Please have Unafred ****** contact us at ************ to verify if there is an account in their name.
  

  It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA).
  

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

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

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

• Initial Complaint

  Date:09/19/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 9/18/2024 I applied to Cashnet USA to obtain funds to pay for nursing school. I was denied the loan which I wasn't surprised, but that's not the issue here. I was asked to provide my banking information to apply to the loan, I provided it as I've done with other lenders in the past but was able to remove my banking details and profile if I wasn't approved for the loan. However, with Cashnet USA they are stating that their terms of use & privacy policy state that their not allowed to remove my banking information and/or profile although I am not a customer of theirs and didn't receive any of their products. I've personally thoroughly looked through these agreements and it does not state that my banking information or profile cannot be deleted. I've never heard of such a thing like that and I just don't want my banking details lingering around and I do not have services through them. I am simply asking for them to remove my banking information and remove my profile as I would never do business with them even if I had the chance. If I'm having issues with them about this little problem and I'm not even a customer, I could only imagine what it would be like as a customer. SOMEONE NEEDS TO ACT FAST, OR I WILL PURSUE FURTHER. THIS IS ILLEGAL.

  Business Response

  Date: 10/07/2024

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

  On September 18, 2024, Ms. Browning submitted an application
  for a CashNetUSA loan. After a review of
  her application, we could not extend credit to her. As such, we sent her a
  Notice of Adverse Action detailing the reasons why we were not able to approve
  her application.
  

  Subsequently,
  on September 18, 2024, Ms. Browning contacted our customer support team and requested that her information be deleted from our
  database. We advised Ms. Browning that we would not be able to honor her
  request because State and Federal laws require CashNetUSA to retain a record of
  consumer information submitted for set periods of time. 
  

  We can
  assure Ms. Browning that CashNetUSA take seriously the responsibility to
  protect consumer information.  In
  addition, we value the privacy of all our applicants and customers, and
  maintain physical, electronic, and procedural safeguards that comply with
  federal regulations to guard consumer information.
  

  Ms. Browning may refer to CashNetUSA's Privacy Policy and
  Terms of Use for more details regarding the collection and use of customer data
  by following the links below:

  https://www.cashnetusa.com/privacy-policy.html
  

  https://www.cashnetusa.com/terms-of-use.html
  
  Please note, Ms. Browning’s account
  with CashNetUSA has been updated to preclude future activity
  (deactivated/closed) on the account and to stop further correspondence from
  CashNetUSA.
  

  If Ms. Browning has any additional
  questions regarding this matter, we ask that she please contact our customer
  support team at 888-801-9075, Monday – Friday, 7:00AM – 8:00PM CT, Saturday:
  8:30 AM – 5:00 PM CT and Sunday 10:00 AM – 6:30 PM CT.
  
  

  
  

• Initial Complaint

  Date:09/19/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received an email this morning. From CashNetUSA legal department. The email states they are taking legal action against me. I don't know who this is. The email looks suspicious. And it came from an attorney. Please make this stop cause I don't not this company. 

  Customer Answer

  Date: 09/19/2024

  Need this communication to stop because they are harassing.

  Business Response

  Date: 10/01/2024

  Thank you for forwarding this complaint. CashNetUSA takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, CashNetUSA no longer provides financial services to residents of Florida.
  

  In addition, CashNetUSA is not responsible for or associated in any way with the persons referenced in this complaint. Based on the details of the complaint, it is clear that fraudsters falsely posing as collectors have contacted Ms. ******************** persons are fraudulently using our trade name in an attempt to extort money from consumers by utilizing threatening tactics.
  

  Furthermost, CashNetUSA is unable to determine if an account exists for Ms. ******** with the information provided (e.g. name, address, telephone number, email address). Please have Ms. ******** contact us at ************ to verify if there is an account in their name.
  

  It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA).
  

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

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

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

  Customer Answer

  Date: 10/02/2024

   
  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,
  
  ******** ********

• Initial Complaint

  Date:09/13/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So I talked to customer support at cash at *** on September 11 by phone call and email that I needed to switch my payment date from 13 September to 27 September and they sent me a confirmation saying this is the amount that would be taken out of this bank account ending in this phone numbers and everything like that I emailed them back and said yes I woke up this morning and they had taken money out of my bank account when they said they were not going to they overdrew my bank account my paycheck came in And Im still still in the negative so now I dont have any money to put gas in my car to get me to work to get my kids to appointments anything like that and I called them to get the issue resolved and they pretty much laughed in my face and said that your problem not ours and I told them I was gonna get you guys and my lawyer involved and I will take it to court and I will soon and I will get my money one way or another.  

  Business Response

  Date: 10/02/2024

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On August 5, 2024, ************ opened a $750.00 line of credit with CashNetUSA. When Ms. ********* applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated August 5, 2024. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to her (via email) when she opened the account.
  

  In addition, Ms. ********* signed an Automated Clearing House (ACH) authorization allowing credits and debits to be made to her bank account.
  

  As set forth in ************* line of credit agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  Whenever a billing period closes, ************ receives an email notification that her statement has been generated.This statement will detail her scheduled payment obligations, including the due date and minimum payment amount.
  

  Since establishing the line of credit,Ms. ********* has requested two (2) cash advances.
  

  Based on our review, ************ had a minimum payment of $95.89 due on August 30, 2024. However, on August 20, 2024, Ms. ********* logged into her account home and scheduled to adjust the payment due date to September 13, 2024 and a confirmation email was sent to her confirming that an adjustment to her upcoming due date had been processed.  The email also advised that this payment would be in addition to other payments scheduled for the same day.
  

  In Ms. ********** case, she had a regularly scheduled minimum payment in the amount of $109.98 due on September 13, 2024. As a result, two consecutive payments were due on September 13, 2024,the adjusted payment of $98.89 and the regularly scheduled minimum payment of $109.98.Please note, on September 6, 2024 and September 10, 2024 a confirmation email was sent to Ms. ********* reminding her of the upcoming payments.
  

  On September 10, 2024, Ms. ********* contacted our customer support team to schedule a due date adjustment. As such,she was advised that she had two (2) scheduled payments for September 13, 2024,however, only the regularly scheduled payment of $109.98 payment could be adjusted. As such, Ms. ********* agreed to adjust the $109.98 payment due on September 27, 2024. Therefore, Ms. ********* continued to have the one payment due on September 13, 2024.
  

  Further in our review, ************ contacted our support team in regard to her concerns mentioned in her complaint and contrary to her assertion she was advised of the aforementioned information.
  

  If Ms. ********* has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday:8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.

  
  

• Initial Complaint

  Date:09/13/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im constantly being harassed by the company for a debt owed by ***** ****. Im not him. CashNetUSA requested my social security and I refused. Ive asked them multiple times to remove my phone number from their data base. My number is **********.

  Business Response

  Date: 10/02/2024

  We have received the complaint sent to the Better Business Bureau (BBB) by ******** ***********.  As we understand it, *** *********** asserts that he is receiving telephone calls from CashNetUSA that are not intended for ***Charlemagne.  
  
  After a careful review, we determined that a customer of ******************** mistakenly provided ***  Charlemagnes telephone number as their own telephone number.
  

  At CashNetUSA, we value the privacy of all our customers and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer ************** this instance, our customer provided an inaccurate telephone number as their own, but we apologize to ************** for the inconvenience this matter has caused and we have updated our records accordingly to cease telephone calls to **************.
  

  If *** *********** has any additional questions regarding this matter, please contact our customer service department at ************, Monday Friday, 8:00AM 8:00PM CT or Saturday Sunday, 9:00AM 5:30PM CT.

  
  

• Initial Complaint

  Date:09/09/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company sent an open ended line of credit offer in an email through another company I didn't have a direct contact with them I live on social security. i applied for the loan to see if I could get 800 dollars next thing I know I had $1000.00 in my bank account. at *****% interest which I mistook for *****% . 300 percent interest is loan sharking. 

  Business Response

  Date: 09/26/2024

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On September 1, 2024 ********** opened a $1,000.00 line of credit with CashNetUSA. When Mr. ******* applied for the line of credit, he was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if he wanted to proceed with the application process; he acknowledged his acceptance by electronic signature on the application dated September 11, 2021. Before he entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to him (via email) when he opened the account.
  

  As set forth in Mr.Hopkinss line of credit agreement, he is required to make at least the minimum payment every billing period that has an outstanding balance.  Whenever a billing period closes, Mr. ******* receives an email notification that his statement has been generated. This statement will detail his scheduled payment obligations, including the due date and minimum payment amount.
  

  Since establishing the line of credit,Mr. ******* has requested one (1) cash advance that was funded on September ******.
  

  Based on our review, ********** has contacted our customer support team in regard to the concerns mentioned in his complaint.
  

  We have reviewed Mr.Hopkinss account, and our review concludes that his account has been serviced in alignment with the signed Agreement. 
  

  If Mr. ******* has any additional questions regarding this matter, we ask that he please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  
  
  

  
  

• Initial Complaint

  Date:09/08/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Loan application submitted around the September 3,,2024 was not me. They want a police report but can not furnish one per Sumter County pd

  Business Response

  Date: 09/23/2024

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On August 31, 2024, someone identifying themselves as Ms. ******** submitted an application for a CashNetUSA loan product through third-party websites/providers. The application was declined, and a Notice of Adverse Action (****) was sent as required by law, informing her of the principal reason(s) her loan application was not approved.
  
  On September ******, Ms. ******** contacted our customer support team to advise that she did not submit an application. In accordance with our policy, we advised her to file a police report with her local authority and provide a full copy to CashNetUSA to launch an internal investigation.
  
  Based on our review, Ms. ******** contacted our ************************* directly to advise that she has retrieved a police report and will forward it to our attention.
  
  At this time, we have yet to receive the required documentation. Should Ms. ******** wish to pursue an identity theft investigation, we ask that she provide a full copy of her police report to CashNetUSA via email or fax to:
  
  CashNetUSA *************************
  Phone:************
  Fax: ************
  Email: ****************************************************************
  
  We also recommend, if Ms. ******** believes that they are the victim of identity theft,we strongly encourage Ms. ******** to file an identity theft report online with the ************************ (FTC) at ******************************. The *** can provide suggestions on how to protect their personal identification information going forward and how to alert other agencies, such as credit bureaus, that their identity information may be compromised.
  
  If Ms. ******** has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:09/04/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a letter of denial email on 9/4/24 from CashNetUSA. I did not apply for any loan products with this company or third party. I reached out to CashnetUSA in May, 2024 to make them aware of fraudulent applications being submitted and I provided a police report. I asked them to not process any future applications and block all attempts. An attempt has occurred again. My credit profile also has an alert for all lenders to verify identity before attempting to extend credit. CashnetUSA has continued to disregard this request and process fraudulent applications using outdated information. This has resulted in unauthorized inquiries, stress, and time filing additional fraud reports. My information with this company continues to be compromised despite a credit freeze, fraud alert, police and identity theft reports. I would like CashNetUSA to deactivate the account and not sale my information to third parties to permanently resolve this issue on their end. I would like them to also investigate internally. I would like to be informed in writing of how CashNetUSA will resolve this permanently to avoid future application submission and inquiries.

  Business Response

  Date: 09/23/2024

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On September 3, 2024, someone identifying themselves as ********** submitted an application for a CashNetUSA loan product through third-party websites/providers. The application was declined, and a Notice of Adverse Action (****) was sent as required by law, informing her of the principal reason(s) her loan application was not approved.
  
  Based on our review, Ms. ****** has previously contacted our customer support team to advise that she did not submit an application. In accordance with our policy, we advised her to file a police report with her local authority and provide a full copy to CashNetUSA to launch an internal investigation.
  
  Ms. ****** submitted a copy of her police report.Upon receipt of **********s full police report, an investigation was conducted, and our fraud department accepted her identity theft claim. As such,the account profile was updated accordingly. In addition, a confirmation email was sent to **********.
  
  However, CashNetUSA cannot take action by preventing someone from applying through third-party providers/websites. 
  
  CashNetUSA takes seriously its responsibility to protect customer information.  In addition, we value the privacy of all our customers and we maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard customer information.
  
  ********** may refer to CashNetUSA's Privacy Policy for more details regarding the collection and use of customer data by following the link below:
  
  ******************************************************
  
  Please note, **********s account with ******************** has been updated to preclude future activity (deactivated/closed) on the account and to stop further correspondence from CashNetUSA.
  
  If ********** has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT,Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  

  Customer Answer

  Date: 09/25/2024

   
  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,
  
  ******* ******

• Initial Complaint

  Date:08/30/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 7/24/24 I was approved for a $2,500 advance through CashNetUSA. Even though I was approved to use up to $2,500 via the open line of credit, I only used $1,700 of the open line of credit loan. My payments towards this account were scheduled to start on 8/16/24 and would reoccur every 2 weeks after that date. On 8/16/24 an automatic withdrawal of the minimum payment was pulled from my checking account that was on file, making that first payment towards that balance $167.33. Since my account had been collecting interest and customary fees (which I was not made aware of initially) since my first withdraw, my total to payoff was at $2,174.17. However, after the minimum payment was made I noticed that my balance was still sitting at $2,174.17. I then proceeded to call a ***resentative and ask if I put more money towards my account would I see a difference in my principle balance to which the *** ***lied "Yes". So as a result, I paid an additional amount of $157.00 on August 16th. When I went to check my account later on in the day, I noticed that not all of my $157 was applied to my principle balance like that had confirmed earlier. I called customer service again and got in touch with a different ***. *** explained to me that they actually had no say so over where the money would go to which didn't match what the other *** said earlier. After feeling unsettled with their differing responses, I went to read the company's contract and noticed a section title "Interest and customary fees". It stated that no interest would be collected on due dates. However, on both of my statements I have collected interest on both due dates 8/16 and 8/30. When I asked about this disc***ancy each *** tells me something different and I can't get in touch with a manager. This a breach of contract and I do not want to deal/work with them any longer. None of the *** of able to provide me with the same info regarding this contract breach and I can't talk to a manager.

  Business Response

  Date: 09/16/2024

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

  On July 25, 2024, Ms.***** opened a $2,500.00 limit Flex Loan with CashNetUSA. When Ms. ***** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated July 25, 2024. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances, Paying Interest, and Fees. The fees and interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to her (via email) when she opened the account.
  

  As set forth in *************** Loan agreement, interest will be charged each day on the principal that is outstanding that day. Keep in mind, we only charge interest on principal, and not on fees or accrued interest.
  
  There is also a customary fee that is based on the daily principal balance and the number of days outstanding during the billing cycle.
  
  As set forth in Ms.Browns Flex Loan Agreement, she is required to make at least the minimum payment every billing period she carries a balance. Minimum payments are due on the pay dates. The minimum amount due on each due date will be the greater of 5% of the outstanding Principal Balance plus all fees and accrued interest or $35, not to exceed the account balance.
  

  Whenever a billing period closes, Ms. ***** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations,including the due date and minimum payment amount.
  Please be advised, payments are applied to past due interest and fees first.
  
  Since establishing the line of credit, Ms. ***** has requested three (3) cash advances. However,contrary to her assertion, Ms. ***** has only made one (1) payment toward the account balance.
  

  On August 16, 2024, Ms.***** had a minimum payment of $167.33 during the billing cycle of July ******* and August 1, 2024. Once the closed date is in effect, the interest will stop accruing for the payment of $167.33.
  

  This method is applied to all future payments. The key factor is the closing date. Any transactions that occur between the open and closed dates will determine the payment amount for the next due date.
  

  Once the payment is created, the interest will not continue for that payment. However, the interest will continue again for the next billing cycle period for the next minimum payment on the next due date.
  

  Based on our review,Ms. ***** contacted our customer support team in regard to the concerns mentioned in her complaint and she was advised of the aforementioned information.
  

  We have reviewed Ms.Browns account, and our review concludes that her account has been serviced in alignment with the signed Agreement. Therefore, we will not be able to honor her resolution request.
  

  If Ms. ***** has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday:8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  

  
  

• Initial Complaint

  Date:08/30/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Harassment and Intimidation: A representative from CashNetUSA repeatedly engaged in harassment by contacting me, my ex-wife (******** *****), and my mother (***** ******). On August 23, 2024, this representative threatened to send police to my home if I did not provide information about my ex-wife. The representative also left a voicemail with similar threats after I refused to comply. These actions violate Section 806 of the Fair Debt Collection Practices Act (FDCPA), which prohibits the use of threats or coercion in debt collection efforts.False Representation: The same representative falsely claimed to be working with the county to enforce charges against my ex-wife. This misrepresentation of their role and affiliation is a violation of Section 807 of the *****, which prohibits debt collectors from using deceptive practices or making false claims to collect a debt.Illegal Third-Party Contact: The representative unjustifiably contacted both my ex-wife and my mother, falsely insinuating that my mothers address and phone number were associated with my ex-wife. These third-party contacts, made under false pretenses, violate Section 805(b) of the ****** which limits the circumstances under which a debt collector may contact third parties.Failure to Identify: Throughout these interactions, the representative failed to clearly identify their affiliation with CashNetUSA, further compounding the misrepresentation and contributing to the overall deceptive nature of their conduct.Despite notifying CashNetUSA of these unlawful actions, the harassment has continued. This pattern of behavior demonstrates a blatant disregard for legal and ethical standards and has caused significant distress to me and my family. As a result, I am seeking legal counsel to address these violations.

  Business Response

  Date: 09/09/2024

  Thank you for forwarding this complaint. CashNetUSA takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, CashNetUSA is not responsible for or is participating in the complained conduct. CashNetUSA is not attempting to collect any money from Mr. ****** and has no knowledge of the situation that ********* mentions in their complaint.
  

  Based on the details of the complaint, it is clear that fraudsters falsely posing as collectors have contacted Mr. ****************** persons are fraudulently using our trade name in an attempt to extort money from consumers by utilizing threatening tactics.
  

  After review of our records, Mr. ****** applied for financial services; however, we were unable to approve their application.
  

  It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA).
  

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

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

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

  Customer Answer

  Date: 09/13/2024

   
  Complaint: 22217734
  
  I am rejecting this response because:
  

  This was not a scam. The affiliate is a representative for a contracted third-party debt collection agency associated with the collection for ******** ***** with CashNetUSA. I was provided a number in a voicemail which I have contacted. I'm awaiting more information from the 3rd party, but what I was told so far is the 3rd party's name is "Offices of *********". I've searched on the Better Business Bureau's site and believe I've found the associated business listed below:

  Westfield and Associates

  *******************
  ****************-6041

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

  On reviewing complaints filed against this business, CashNetUSA should be aware that they are conducting unlawful activities. This business is also continuing to display questionable practices. "Offices of ********** would not provide me with their official business name/LLC, address, or contact information for responsible personnel to conduct an investigation upon request. They did confirm that they were the company that contacted me, my ex-wife, and my parents. Given CashNetUSA is both providing false information regarding this complaint, misrepresenting the contact as a scammer, and knowingly using a third-party to conduct unlawful activities, I would appreciate if BBB would share my complaint publicly so that others aren't exposed to this malpractice and intentionally inflicting emotional distress to both customers and uninvolved parties.

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

  Business Response

  Date: 09/16/2024

  We apologize if Mr. ****** was not satisfied with our initial response. Please be advised, CashNetUSA is not responsible for or associated in any way with ************************ referenced in this complaint.
  

  It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA).
  

  Please be advised if you are not the individual who owns the account,we are unable to provide any specific account details. Please have the individual whose name is on the account contact us at ************ and we will be happy to assist them with any questions that they may have. We apologize,but please understand that we take the safety and security of our account holders information very seriously.
  

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