Complaints

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

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• 

  CashNetUSA

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

• 

  CashNetUSA

  7828 W Highway 124 Harrisburg, MO 65256

• 

  CashNetUSA

  7828 W Highway 124 Harrisburg, MO 65256

• 

  CashNetUSA

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

• 

  CashNetUSA

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

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:09/25/2024

  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.

  I applied for a loan through CashNetUSA. I was under the assumption that my loan payments were going to be 200/month. Instead I'm paying close to 500 every month. Some months it's over that amount. That's the first problem. When I originally put on for the loan and I saw that the interest rate was 285% I wasn't going to complete the application process. In fact I didn't, I thought I had backed out of the website and canceled the application. Then I got an email saying I had a line of credit for *******. I thought that was weird but still confused. But still thinking it was my choice to withdraw the money if I wanted. So I wasn't going to touch it. I was just going to leave it alone. On June 26, 2024 I noticed the ******* sitting in my bank account. I tried to pay the money back but the payment wouldn't go through. It declined my payment several times. Mind you I'm doing all of this online. So I said fine. I did need the money and 200 a month is not bad. But I have now paid 1330 so far towards my loan payment, it says I still owe 2164 and it's still collecting 250% interest. I am on the verge of losing my car. I can't afford gas to get to work. I'm about to get evicted because I can't pay rent and I even missed my last payment with CashNetUSA. I asked to modify my payment arrangements and now I'm making 2 payments on one check and they can't tell me how much longer I have left until I'm done making the payments. They can't tell me how much the interest is because it's continuously accruing so what I owe continues to go up even though I am trying to work with them and make my payments. There has to be something that can be done. This is some form of robbery at the very least.

  Business Response

  Date: 10/14/2024

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

  On June 26, 2024, Ms. ***** application was referred to CashNetUSA by one of our marketing partners. Jama Trainer visited our website, www.cashnetusa.com and opted to move forward with the process and applied for a line of credit on June 26, 2024.
  

  Subsequently, Ms. ***** opened a $1,800.00 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 June 26, 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 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.
  

  During the application process, Ms. ***** advised that her pay frequency was biweekly, and her repayment dates were scheduled accordingly as biweekly.
  

  On June 26, 2024, ******** requested a $1,600.00 cash advance. A confirmation email was sent to ******** was sent notifying her of the cash advance request and estimation of when the cash advance would be funded to her bank account.
  

  As set forth in ********* line of credit agreement, there is an interest charge associated with the Line of Credit. The daily periodic rate applied is *******%. The corresponding APR is 299.00%. The interest is applied daily to the amount borrowed that is outstanding that day. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e., interest is charged on principal only and not on fees or accrued interest). 
  

  As set forth in ********* line of credit agreement, there is a transaction fee for every advance requested. The transaction fee is 15% of the cash advance amount.
  

  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, 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 note, payments are applied to interest and fees first.
  

  CashNetUSA cannot provide specific dollar amounts for the amounts that would be due throughout the life of the line of credit because the amount due at any given due date will be dependent upon the customers usage of the line of credit, including for example whether they made any draws and if so, the amount, and the amount of any payments made by the customer. Please be advised, a customer may utilize our calculate my payment tool to provide an estimated payment amount and schedule. However, the tool only provides an estimate if a customer makes all payments, and doesnt take any additional draws.
  
  Since establishing the line of credit,Ms. ***** has proceeded to requested two (2) additional cash advances. However,Ms. ***** failed to make the payments as required in the agreement and her account balance is delinquent. Accordingly, our collection efforts were initiated.
  

  We have reviewed Ms. ****** account,and our review concludes that her account has been serviced in alignment with the signed Agreement. 
  

  Based on our review, ******** has previously contacted our customer support team to schedule a payment arrangement for her past due balance, however, Ms. ***** failed to make the payments as agreed upon.
  

  We are willing to work with Ms. ***** regarding her past due balance, we ask that she contact us directly for available repayment options 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:09/24/2024

  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.

  I took a line of credit from Net Credit maybe 2 years ago and Im still paying on the loan. Ive made at least 54 payments mostly 3 payments per month and Im still paying it I think they are a legal loan shark.

  Business Response

  Date: 09/24/2024

  Thank you for bringing your concerns to our attention. After reviewing your complaint, it seems that there may have been some confusion regarding the company involved. You mentioned issues with NetCredit, but your complaint was filed against CreditFirm.net, which is a different entity.

  CreditFirm.net provides credit repair services, and we are not associated with NetCredit, a lending institution. If your concerns are related to a loan or lending services, we recommend contacting NetCredit directly to address your issue.

  Business Response

  Date: 10/11/2024

  We have received the complaint sent to
  the Better Business Bureau (BBB) by Levi Snow. As we understand it, Mr. Snow has an inquiry about his
  line of credit account.
  

  As an initial matter, CashNetUSA was
  not able to locate a profile that matches Mr. Snow’s information (e.g. name,
  address, telephone number, email address). Mr. Snow is not a CashNetUSA
  customer. However, we were able to locate him in our NetCredit system.
  

  On August 26, 2022, Mr. Snow opened a
  $3,200.00 line of credit, offered by Republic Bank & Trust Company
  (“Republic Bank”) and serviced by NetCredit. Republic Bank
  is a Kentucky-chartered, federally
  insured bank. Federal law (Section 27 of the Federal Deposit Insurance Act and
  12 U.S.C. 1831d) permits state-chartered insured
  depository institutions to charge interest and/or fees at the highest rateallowed by the laws of the state where the institution is located.
  Since Republic Bank also maintains a presence and
  banking center in Ohio, federal law permits it to export interest rates and/or
  fees that comply with Ohio law.
  

  When he applied for the line of
  credit, he was presented with and required to agree to the Republic Credit
  Agreement and Terms and Conditions (“Agreement”) if he wanted to proceed with
  the application process; he acknowledged his acceptance by providing his
  electronic signature on the application dated August 26, 2022.  Mr. Snow can access a copy of his Agreement
  at any time by signing into his online account at www.netcredit.com.
  

  We would note that the top of the
  Agreement states, “HIGH COST CREDIT DISCLOSURE. THIS IS AN EXPENSIVE FORM OF
  CREDIT. IT SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS, NOT AS A LONG-TERM
  FINANCIAL SOLUTION. OTHER CREDIT OPTIONS MAY BE LESS EXPENSIVE.”
  

  This Agreement also outlines, in
  detail, all the terms of the account. Specifically, section IV of the Agreement
  defines and describes the two types of fees associated with the line of credit.
  A Cash Advance Fee is the Finance Charge charged for each Cash Advance at the
  time a Cash Advance is requested, as disclosed in the Account Opening
  Disclosure in Section I. The Cash Advance Fee is 10% of the amount of the Cash
  Advance.  A Statement Balance Fee is
  assessed for each Billing Cycle where the Cash Advance Balance, as displayed on
  the statement, is greater than $25.00. Section V. of the Agreement also
  describes how minimum required payments are calculated; the minimum amount due
  on each due date will be 2.5% of the ending Cash Advance balance plus the
  Statement Balance Fee for that cycle. The Agreement also includes details
  regarding how payments are applied.
  

  A minimum payment is due every billing
  period that carries a balance.  Whenever
  a billing period closes, Mr. Snow 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. Mr. Snow has
  the right to make a payment in advance in any amount and at any time without
  penalty. Additional or larger payments generally may reduce the statement
  balance fees incurred, which is also set forth in Mr. Snow’s Agreement. 
  

  Additionally, the Agreement advised
  that we may report information about the account to credit bureaus and that
  late payments, missed payments, or other defaults on the account may be
  reflected in his credit reporting.
  

  Since establishing the NetCredit line
  of credit, Mr. Snow has requested four (4) cash advances. Although Mr. Snow has
  made payments, he has failed to make all the required payments under the
  Agreement and his account balance is past due. As such, our collection efforts
  have been initiated.
  

  Based on our review, Mr. Snow advised
  that his pay frequency was twice monthly during the application process. Contrary
  to Mr. Snow’s assertion, his repayment dates were scheduled accordingly as twice
  monthly. However, Mr. Snow has logged into his account home and adjusted the
  payment due date of eleven (11) payments in total. When a customer requests to
  adjust or extend a Minimum Payment, their updated payment can result in three
  payments in the same month or two payments due on the same date. For each
  requested payment adjustment, a confirmation was sent to Mr. Snow alerting him
  of the original payment date, the new payment date, and the notice that
  multiple payments could be due on the same day if the payment was adjusted to a
  date another payment was scheduled.
  

  In reviewing Mr. Snow’s account
  statements and payment history, our records confirm that his account has
  correctly been assessed Statement Balance Fees and Cash Advance Fees as
  detailed above. 
  

  Based on our review, Mr.
  Snow’s account has been managed in alignment with the above referenced
  Agreement and we are unable to honor
  his resolution request.
  

  We are willing to work with Mr. Snow regarding his past due
  account balance to schedule available repayment options. We ask that he contact
  us directly at 877-392-2014 Monday – Friday, 8:00AM – 8:00PM CT or
  Saturday – Sunday, 9:00AM – 5:30PM CT, for assistance.

• Initial Complaint

  Date:09/21/2024

  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.

  I was behind on my loan, so I called CashNetUSA for help to get caught up. The person I spoke to took my past due amount and spread the payments out to be included in my future amounts. My complaint is that I'm still getting calls, and the website is still saying that I'm past due even though they have been taking extra payments from me.

  Business Response

  Date: 10/07/2024

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

  On
  June 10, 2024, Ms. McCoy was funded a $600.00 CSO installment loan arranged by
  CashNetUSA. The Terms and Conditions (“Agreement”) were acknowledged and
  accepted by electronic signature on the application dated June 10, 2024. This
  Agreement also outlines, in detail, all the terms of the account, including the
  Loan Duration, Annual Percentage Rate, Finance Charge, Amount Financed, Total
  of Payments and Payment Schedule.
  Ms. McCoy failed to make the payments as
  required in the Agreement and her account balance is delinquent. Accordingly, our collection efforts have been initiated.
  
  Based on our
  review, Ms. McCoy contacted our customer support team and scheduled a payment
  plan for the past due balance, however, due to an inadvertent error, the arrangement
  was not executed properly. However, we have updated the payment arrangement appropriately.
  

  We apologize for the confusion this matter has caused Ms. McCoy.
  

  If Ms. McCoy 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:09/20/2024

  Type:Product 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 tried to obtain a loan from cash net starting on Tues September ******* Every day there was another lie then an excuse. Yesterday September 19 USA cash net deposited a check for 657 far below the $1000 dollars I sought to borrow. Then yesterday they called telling me I needed to return $500 dollars for some fee I had never been told about. I am waiting to here back from them to find out where to mail the cashiers check for the $ 657. To be done with this scam outfit

  Business Response

  Date: 10/01/2024

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

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

  In addition, we have determined that this is fraud. CashNetUSA is not 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 consumer lenders have contacted Mr. ******************** persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services.
  
  After carefully reviewing this complaint, based on the information provided,CashNetUSA can locate several profiles with the name ***** ********, however, we are not able to locate a profile that matches the complainants information (e.g. Name, Home Address, Telephone Number, email address). 
  
  While we sympathize with Mr. ********* situation, we cannot take action because the complaint is not related to CashNetUSA. If Mr. ******** suspects that they are being contacted by a suspicious entity, we recommend that they follow the links 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: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.