Complaints

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:02/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  took loan out for 1500 from Target Cash Now Took ****** out of my account every month for ******. They stated that they do not lend to *********** but they did .Can I get any compasion for this. I have been sending them ***** a month also

  Business Response

  Date: 02/24/2025

  *************************************************** 22942021
  
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* ***************** Target Cash Now disclosed the total cost to a borrower if only the minimum payment schedule is followed, and we informed our customers that this is an expensive form of borrowing. The APR was disclosed on the Target Cash Now website and was prominently displayed in loan documents that were reviewed and signed by the customer.
  
  ******** ****** obtained a loan with Target Finance, LLC dba Target Cash Now, an economic development arm of the ************************************, on May 9, 2022.
  
  Target Cash Now has since closed its lending business effective December 31, 2024, in all states.
  
  Since Target Cash Now is no longer doing business, it has decided to forgive and discharge the customers loan, including any past due balances and fees as of December 31, 2024. Target Cash Now notified all of its customers of this decision on January 1, 2025.
  
  ******** ******, at their convenience, may call our customer service line **************, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

• Initial Complaint

  Date:06/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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 scheduled a payoff with target cash and was told that i would be at a zero balance. After I scheduled the payoff the system would no longer let me schedule a payment. I then noticed all of a sudden it says payment error and another payment was scheduled. I called and talked to a supervisor and multiple representatives and asked if i needed to make a payment because at this point I would just be paying interest if they kept my loan open for another 2 weeks. They assured me it was a glitch in the system and no more payments would be taken out since i already scheduled a payoff. They have sent me an email after two weeks today stating they will be taking a payment of ****** on june 5th. I can not stop the payment as my bank says ive given them authorization before and i would have to go through a dispute.

  Business Response

  Date: 06/12/2024

  ********************* BBB Complaint ID: ********
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted. 
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the ******************* Indian Community
  
  We have reviewed the complainants account and can confirm that the payoff scheduled for May 23, 2024 was in fact successful leaving a zero balance. ********************* has no remaining financial obligation to Target Cash Now.  *********************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

  Customer Answer

  Date: 06/13/2024

   
  Complaint: 21802532
  
  I am rejecting this response because:

  Target cash is lying as you can see by a screenshot from account on june 5, 2024 they took the ******. Also on june 6th i had to pay my bank $30 for a stop payment fee so they are no longer able to withdraw money from my account. At this point i am requesting $348.45 for the stop payment fee. I will attach a bank statement when available.

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

  Customer Answer

  Date: 06/21/2024

  Hello,

  I was able to get a reversal from my bank from target cash im wondering if i can change what i am asking for...i originally asked for a refund. I am wanting to change it from ****** to $30 for the stop payment fee i had to pay to the bank.

  As long as target cash doesn't fight the reversal

   

  Thank you 

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

  Business Response

  Date: 06/27/2024

  ********************* BBB Complaint ID: ********
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted. 
  
              We have completed a secondary review of the customers account and have determined that there was a payment attempt on June 5,2024.  However, our records indicate that payment was never processed due to there being a stop payment on the customers account.  ********************** did have a system error which caused this payment to be attempted, and we certainly apologize for any inconvenience this may have caused.  Target Cash Now is willing to refund the *** charge that was applied to the customers account. 
  
  Again,***************** account is currently closed, and they have no financial obligations to Target Cash Now.  At ********************* convenience, they may call our customer service line with any further questions.
  
  Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

• Initial Complaint

  Date:06/04/2024

  Type:Product Issues
  Status:

  AnsweredMore 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.

  It seems my account will not load and I sent a password reset but have not received any email from the company

  Business Response

  Date: 06/10/2024

  ************************* BBB 21799942
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  Due to some unforeseen technical issues, ************************* was unable to access her account. This has been corrected and according to our notes she has been assisted. We apologize for the inconvenience and look forward to assisting ************************* in the future.
  
  
  We will communicate with ************************* directly in an effort to resolve their concerns.  Correspondingly, *************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions. 
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now 
  
  

• Initial Complaint

  Date:04/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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 paid of my account balance in full on $387.70 on 3/30/24 before the due date and they took and extra months payment of $133.78 from my account. I called and requested the $133.78 and they lied and said I made a late payment. I want my money back is all because this is theft. They lied and said they could not reverse the charge because it was already done. This is not true as things were credited back to my bank account all the time.

  Business Response

  Date: 04/10/2024

  ************************* BBB Complaint ID: ********
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments,good or bad, very seriously.  The following is our response to the items noted. 
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  ***************************** to pay off the loan coincided with an already-scheduled payment draft in accordance with the customers loan agreement.  This payment was already being processed at the time of ***************************  request. This regularly scheduled payment was accounted for when the payoff amount was quoted.  ************************* has no remaining financial obligation to Target Cash Now.  *************************, at their convenience, may call our customer service line and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

  Customer Answer

  Date: 04/10/2024

   
  Complaint: 21520746
  
  I am rejecting this response because what they are saying here is not true. I did not call in to request to pay off. I went online on 3/30/24 and paid off the amount in full. i borrowed $400 but the payoff amount was $387.70. That amount did not post to my account, but $133.78 did. I immediately called and asked them what was going on. Then after the 1st, $387.70 posted. I called them back to inquire about this and they claimed I made the payment on the 1St which was not true. I have paid off my account online early before without any problem. However, I only had this loan for 2 weeks and they are trying to charge me like an extra $90. They said they could not prorate anything and refund me which I know is not true again. They are just stealing money from customers and i want them to prorate this with the correct interest and refund me my money. I have phone records to show calls made. This is a very dishonest company who needs to refund me.

  
  Sincerely
  *************************

• Initial Complaint

  Date:01/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  10/06/2023$308.95Paid 10/20/2023$308.95Paid 10/30/2023$0.00Paid 11/03/2023$308.95Paid 11/17/2023$308.95Paid 12/01/2023$308.95Paid 12/15/2023$308.95Paid 12/29/2023$308.95Paid 01/12/2024$308.95 01/26/2024$308.95Scheduled 02/09/2024$308.95Scheduled 02/23/2024$308.95Scheduled 03/08/2024$308.95Scheduled 03/22/2024$308.95Scheduled 04/05/2024$308.95Scheduled 04/19/2024$308.95Scheduled 05/03/2024$308.95Scheduled 05/17/2024$258.74Scheduled 05/31/2024$308.95 I checked and the balance is higher than what I received and since 10/6 have made $308.95 towards $2300.00. Payoff for next payment due is $2155.00 after paying $308.95 since October. $2300 received and $2100 still owing since 10 6/23. This has not decreased at all and want this to come to an end of not paying the same amount months ago.

  Business Response

  Date: 01/24/2024

  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments,good or bad, very seriously.  The following is our response to the items noted. 
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing, encouraging prepayment (with no penalty) to reduce the overall cost of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by *********************** is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, *********************** has only made a partial repayment towards the total outstanding loan balance. 
  
  We will communicate with *********************** directly in an effort to resolve their concerns.  Correspondingly,***********************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

  Customer Answer

  Date: 01/26/2024

   
  Complaint: 21162089
  
  I am rejecting this response because: This was misleading information and anyone can see paying 3 times back an amount is unreal. Trying to pay a loan off with the same amount borrowed is not good business. I refuse to pay triple amount more than borrowed. I have submitted my payment schedule and  you can see the tremendous amount owed in order to pay off. This loan should be amended and say paid in full. Customer should not entertain this company anymore. $5000 or more for $1500 is Unreal. Please do not have them harass me anymore.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:12/19/2023

  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 borrowed from Target Cash late 2020. Due to unforseen issues, I fell behind on payments and the account was charged off. I was contacted by the 3rd party collection agency and made arrangements through them. All the payments were made and I thought the debt was satisfied. Now I'm getting calls from Target Cash saying they don't contract with the agency any longer and that I still owe them money. I was under the impression that once I satisfied the requirements of the 3rd party, I no longer owe.

  Business Response

  Date: 12/22/2023

  *********************** BBB 21029839
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by *********************** is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, *********************** has only made a partial repayment towards the total outstanding loan balance.  
  
  We will communicate with *********************** directly in an effort to resolve their concerns.  Correspondingly, ***********************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now
  

  Customer Answer

  Date: 01/04/2024

  Not sure how to proceed.  I read and understand the response but the attachment shows the account status on their website.

  Customer Answer

  Date: 01/04/2024

  I received this letter from them also.  So is the issue settled?  The response here contradicts the letter attached

  Business Response

  Date: 01/05/2024

  *********************** BBB Rejection 21029839
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  We would like to advise all parties that ****************** account was settled and closed as of December 20, 2023. Thus, *********************** has no ***************** obligations with Target Cash Now. 

  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now
  

  
  

  Customer Answer

  Date: 01/05/2024

   
  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:11/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore 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.

  Target cash now, said I owe them $2000 something dollars from 2019 and they're just calling me in November, 2023. I told them, " you're just calling me from 2019 and that I never took out a loan through them and hung up on them. I think it was a scam.

  Business Response

  Date: 11/08/2023

  ******************************* BBB Complaint ID ********
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted. 
  
  First, we would like to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second,we certainly understand that everyone faces financial difficulties from time-to-time,but the loan agreement signed by ******************************* is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, ******************************* has not made any repayment towards the total outstanding loan balance. 
  
  We will communicate with ******************************* directly in an effort to resolve their concerns.  Correspondingly, *******************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Bright Lending

• Initial Complaint

  Date:10/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore 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 business continues to call me saying I took out a loan and I did not take one out from them or anyone else. they also refuse to send me anything by mail to prove that I took out a loan. I need them to stop calling me.

  Business Response

  Date: 11/08/2023

  **************** BBB 20801122
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted. 
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, if **************** feels they are a victim of Identity theft, Target Cash Now suggests they file an Identity Theft Report with the ************************ at ****************************** and theyre local authorities.  **************** can also learn more by visiting the website provided.  If **************** can provide the necessary documentation for the claim, Target Cash Now is obligated to follow the correct procedures for these types of matters.  **************** will be able to find the fax number and other information on the Target Cash Now website.
  
  Third, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by **************** is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, **************** has only made a partial repayment towards the total outstanding loan balance. 
  
  We will communicate with **************** directly in an effort to resolve their concerns.  Correspondingly,****************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now

• Initial Complaint

  Date:07/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore 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 borrowed money from target cash now and I logged in to make an early payoff because I know their interest rates are high. When I logged in the system said my payoff balance was $354.44, however, when I checked my bank account activity, they took out an extra $157.95 and I will not be getting a refund, they stated. I did not agree to the extra charge. And by the way, my monthly payment was $111.77. I want a refund because this is deceitful and misleading

  Business Response

  Date: 08/08/2023

  *********************** BBB 20402881 
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  We would also like to address the complainants concerns regarding the extra payment of $157.95.  This was a make-up payment to account for a returned June 14, 2023 payment in the amount of $111.17.  When a payment is late or returned, Target Cash Now assesses an additional fee pursuant to the loan agreement. 
  
             To date, *********************** has paid off their account as of June 31, 2023 and has no remaining financial obligation to Target Cash Now. We will communicate with *********************** directly in an effort to resolve their concerns. ***********************, at their convenience, may call our customer service line and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now
  
  

• Initial Complaint

  Date:05/07/2023

  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 borrowed $800 from Target Cash Now and have since paid $697.96 to date and my account is showing that I still owe $1595.21. I am requesting to settle my account for the remaining owed of $102.04 as I have done in the past. These are tough times and I can't afford to throw away thousands of dollars. I have revoked any and all ACH authorizations with the company from debiting any and all of my personal accounts, per Federal law, ******************** ****** Preauthorized transfers until we are able to come to an amicable agrreement. I also revoked any and all wage assignments I may have signed, including but not limited to; any affiliates, dba's, and collection agencies assigned to this account. All of the above no longer have my permission to access my accounts or impose a wage assignment.I will gladly communicate to resolve this matter in a way that suits both parties involved and I fully intend to pay back what I borrowed.Any help you can provide would be greatly appreciated. Thank you.

  Business Response

  Date: 05/15/2023

  ***************************** BBB 20029437
  
  Dear Better Business Bureau:
  
  Target Cash Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ********************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Target Cash Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ***************************** is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, ***************************** has only made a partial repayment towards the total outstanding loan balance.  Our records further indicate that the customers ACH authorization was revoked on May 3, 2023 per the customers request.
  
  We will communicate with ***************************** directly in an effort to resolve their concerns.  Correspondingly, *****************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Target Cash Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Target Cash Now
  
  

  Customer Answer

  Date: 05/17/2023

   
  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. Please see attached settlement amount offered.
  
  Sincerely,
  
  *****************************