Cashcall

I started with Cashcall like two weeks ago. I had been told my house's value went down, which I didn't believe. They sent an appraiser, Steve came to my house. I told him I just made a few phone calls to my realtor and others. In my building, if the location is inside the building doesn't have a view, the price is $270K. I bought it for $370K 7 years ago and paid more money than the other inside unit because my unit is a corner unit, has view, an open area in the front of my unit's windows, 5 minutes to run to Whole Food and the lake, 2 minutes drive to freeway, 10 minutes to go to BART, 20 minutes to Chinatown or 15 minutes to the bank and shopping place.

After the appraiser left, the next day, a processor lady called me and was trying to push me to sign all papers. She said that way can speed up the process. I told her I will wait for my appraisal result to come out, I am not in a hurry. Luckily, I didn't sign any paper with them. A week later, my appraisal came out as $225K and the lady told me I have to pay $13K to get a second plan FHA which I have to pay mortgage insurance for 5 years. It shot me, what? I asked the lady why and she said because somewhere around my house area, same square feet sold that price. If it's like this, they don't need to send an appraiser to come to waste my time. Just follow the lower price in my neighborhood, we don't need both to pay an appraiser. I can tell the appraiser is already on their side. They are foxy, tricky and play drama on their customer. My advise is to be careful with them.

I got approval from Western Sky for about $2,563, but the company took about $100.00 from that, plus I found out that they want me to pay about $13,600 for the total loan. I did not pay attention with the fine print afterwards, but I told I only had to pay the $3,000 back. Around 3/22/12, I was told my loan was sold to CashCall Loans and they were harassing me ever since. When things got fouled up with my banking account, the customer reps harassed even though I was waiting for my paycheck to pay them. The day came to pay them and I was sick for a whole week plus I have partial amnesia and the customer reps and managers said they do not care if I lose my memory because they want to get my first payment and take the rest.

I got a loan from Cashcall in 2006, paid half back and I loss job now. Now, there is a judgment for more than half of what I have left to pay. Not working and ill. I have called and now an attorney in LA sent me a levy letter. I need help on what to do.

Almost a year ago, I applied for a loan with Western Sky for $2,000.00 but I only received $1,500.00 because they take $500.00 off top of the loan in interest and fees. Then I received a notice from Cashcall who now has my loan. I continued to pay $167.00 every month by electronic debit from my bank account. Until this month March 2012, I found my bank account was overdrawn due to unauthorized debit from some travel company, not knowing I was still writing checks also.

A day or so before Cashcall was to debit my account, I called them and explained the situation and told them not to take anything from my account because no are funds available and I had to call all off my monthly obligations because I could not pay anyone this month. They kept trying to get me to borrow the money to pay them. Out of total frustration, I ended the phone call telling them I would see what I can come up with.

The calls started the next day and have not stopped or the emails. I told them I cannot do anything until I get paid again, then I will pay them directly. I just got off the phone with them. Again, they are telling me that that is not good enough. I would like to know why I still owe $1,500.00 on this loan when I have paid $167.00 every month along with the $500.00 they took off the top. I asked them what the pay off amount was and this is the amount I was given.

Now, I am not the smartest person when it comes to math, but a total idiot would realize that I am being robbed right in front of my eyes. Reading all of the other stories like my own, it is time someone stops them. It is not fair that we have to deal with this because they will file charges and we will have this on our credit report. Someone needs to stop them or point me in the right direction to stop them.

I got sued by CashCall, Inc. for $2500.00 and didn't even know what it was for. They claimed I got a loan from them online last year and never paid. I was very surprised, due to the fact that I lost my personal info in 9/25/2011 and they said I applied for the loan in 10/2011. I had already been going through ** because all of my money was being taken from my account. I had to file for identity theft. Well, I kept getting threatening letters that my wages would be garnished and I was scared. I received my income tax money and sent them 3 money orders (two for $1000.00 each and one for $500.00). I sent them certified mail with return receipt for proof of delivery and signature. Even after I paid and wrote them a letter letting them know of my situation, they still went on with the lawsuit.

Well, I took copies of everything, from my police report to my FTC affidavit to copies of the money orders and certification and all. The person there started off lying and said I sent 3 money orders for $300.00 each and had a horrible minimized copy and didn't even have any papers with my signature. He was not prepared at all. The judge smelled his ** from a mile away. He lied to the judge right in her face. He was not a very good rep for CashCall to have. He lied, he was nervous and he kept stuttering. Very unprofessional. I cannot believe there are companies like this.

When it was my turn, I gave live colored copies of everything. I told her the amount he said was wrong. She was very bothered because when she asked where the money orders where, he said they where in his office. She needed them there and then. So I won the case and they have to mail me back my money orders within the next week or they get sued! That was exactly what the judge advised me. I saw that they are a complete fraud and when I heard their interest rate of 139%, I wanted to die. I do not doubt a bit that they are the ones who have people stealing identities. I would never even be dumb enough to get a loan with such a high interest in the first place.

I received a loan from Western Skye. They sold it to Cashcall. Payments were being taken directly out of my account for several months. I was laid off and called Cashcall 12 days before my payment was due and asked them to cancel the direct pay because my unemployment was going to take a couple of weeks to go through. The woman became irate with me and advised me that she could make my payment due either the 1st or the 15th of the month. I had been paying on the fifteenth. It was September 3rd, 2011 so she said I was late and she was accelerating the payment. I told her I had just made a payment on 8/15/11 so one was not due yet.

Within a couple of weeks, I began receiving harassing and threatening call. One rep even advised me to sell blood. This loan has gone from place to place and at times I have had two separate collection agencies calling me for the same money. I received a call yesterday and was told that I was of bad character and they were proceeding with any legal means to collect the money I owe plus expenses incurred to collect. I am still unemployed. This man downgraded me so bad I hung up and he left me an awful message. He keeps calling and I told him any further contact would be considered threats and harassment. This has been the worst experience and they do not stop until they have me in tears. Please warn people about dealing with Western Skye or Cashcall or any of these places. They are bloodsucking leeches that misrepresent their interest rates.

Terrible financial time, they loaned $850 but I only received $500. My bank account was hit by an unauthorized payment to a subscription company which caused havoc. I called CashCall and all businesses who were processing payments through electronic to cease and I would pay directly. I followed up with a written request. CashCall, during the interim, processed a payment that was rejected by my bank as it should have been. At any rate, they have hired a U.S. Check Processing company, who is making threats that they will file a fraud charge in the Fed court, and they left a message on my company's voice mail with details.

Okay, I found myself in a financial bind. I got a loan for what was supposed to be $1500.00. However, they took $500 off the top for some fee. Then the guy Issa, who set me up with my loan, told me I could call back after a few months to settle the account for a smaller balance to pay it off without having to pay more finance charges. That I should do this or I would end up paying $4000 dollars for a basically $1000 loan. So I have paid $166.00 for 7 months for a total of $1162.00. When I called to ask for the settlement, the gentleman on the phone said my payoff balance is $1468.65. When I asked about a settlement amount, the man transferred me to a woman who right off started to say I can't settle. But if I wanted to pay it off, I had to pay the $1468.65.

Now, the two men prior to her conversation were professional and helpful. This woman was so condescending and refused to listen to me. Then after I finally got her to stop talking over me, I told her what I wanted. She then refused talking to me like I was not comprehending her. I finally was so upset that I just term my call.

This complaint is against Cash Call for $10,000.00. Paid immediately back $5,000.00. Monthly payments beginning on the 20th of each month $249.50, Cash Call started taking money out at different times and not on the scheduled date. I stopped that transaction and paid $2,500.00 and began to send in $250.00 per month, that is not what they wanted, they started sending threatening letters, ignoring the letters that I sent. I ended up getting sick, and had a lot of medical problems with them still harassing me. After my surgery and when I came back to work, I found that they were going to the courts, I was never notified of this until the garnishment. When I found out, we ended up in court, I did have the garnishment stopped until the court date and the filing of a claim of exemption. In court, the Judge did not want to discussed the fact of the incorrect address on the record, he did not want to discuss me being in the hospital only the fact of the payment to Cash Call.

The claim of exemption was excepted and I was to pay $25.00 per month, which at that time because the had already took money from the garnishment totaling $19,540.00. According to that court date, the balance was $623.00, I have been paying $25.00 per pay period, $50.00 a month and still being told I hold $947.00. We went back to court because I felt the amount was not going down but going up, the judge stated in court the first time, all previous taken to by garnishment and the balance $623.00. While in court on 1/20/12, the appeals judge ask Cash Call to get a balance on that day while we were in court. Cash Call Stated they could not get the sheriff's department on the line, but I did, with the speaker phone on and was told the balance was $216.00. Cash Call could not take that amount, I am trying to pay them off now and not wait anymore, but I cannot get an answer. if I wait until September, I was told $1,200.00, September $897.00. If I pay them off by January 31, 2012, $827.00, this does not sound right, I need a clear cut balance to pay them off.

I got a loan from Western Sky who sold the loan to Cashcall. I only got a loan for $1000.00 and now they say that I still owe over $1800.00. I have been paying on it for over a year and a half and still it seems that it hasn't gone down. I had to close my bank account because of all the overdrafts that they have caused me in that last 2 months and now I have contacted the Attorney General to try and stop them. I feel they are a scam and no one should have any business with them.

I initially took out a $500 loan with "Western Sky", a company advertising on TV. WS put the money in my account and immediately sold the loan to Cashcall / CashYes / HPK / CashJar. I started getting phone calls from Cashcall immediately. My payment was not due for a month, literally. In the span of three weeks, this company called me at my place of work, my cell etc. and left message after message, saying it was a welcome call, to call if I had any questions. I was very annoyed at this and did not bother to take the calls. After all, payment arrangements were already in place so I had no need to speak with them.

Next, I received an email saying they had been trying to contact me to go over any questions I might have naturally, I didn't respond. They continued to call and I continued to ignore them. They then mailed me an informational letter with the details of the loan I had taken with Western Sky and it also detailed the repayment arrangements and my bank acct information. I set the information aside after verifying it was correct. They continued to call. I decided to contact them and tell them to stop calling me, that there was no issue. I asked for a supervisor and ended up leaving a message - requesting a return call and explaining that they were calling me 3-4 times a day and I was tired of this. No supervisor returned the call, instead I continued to receive calls and messages over the next few days.

I finally answered one of the calls, very rudely I answered and immediately requested a supervisor. When a supervisor came on the line, I told her about my voice message from three days ago and that I had never received a call back. I told her I had received in excess of 80 calls over three weeks and that it needed to stop. She did agree to make the calls stop by placing a message in the system. I also managed to get the mailing address, a PO Box, after telling her I wanted to mail in a payment. Two days later, I sent a certified letter to the company (the letter appears below) letting them know they were not welcome to call me again, ever.

This is called a cease and desist letter and they do have to legally comply. If you place a request in writing to any company (even if it's someone you owe money to and have not paid) telling them they are not to call you at your home and/or place of business, they must stop the calls - they are legally bound to do so. After speaking with her I didn't get any calls for about 2 weeks. During that 2 week period, the first payment was taken out of my bank account. Shortly after, I received another call from Cashcall, they left a message about a "special offer." When I got the message after work, I immediately called and requested a supervisor.

After getting hung up on a few times, I did manage to get a supervisor who didn't seem to understand or care out the cease and desist letter. She also informed me there was no letter in my file. I told her the onus was not on me to produce or comply with the letter, the onus was on her company and its employees. I informed her my certified receipt showed the letter had been signed for on January 10, 2012. I also explained this was a legal document and they needed to comply and that they had failed to do so. She did want to know who had signed for the certified letter and I promised to call back once I got home to tell her the name on the receipt.

I didn't make it back until late but I called the next morning. I spoke with another supervisor by the name of Tyrone who looked up my information and then promised to delete all information. He said since the account was paid off, there was no need for them to call me. Needless to say, I was a bit (a lot) surprised. I asked him to repeat that and he told me the account was marked as balance paid and had been closed. I asked him to also remove all banking information and my address as well. He did promise but I am not holding my breath. I will wait until after the payment period has passed and see if they truly did close the account.

I don't know that any of this will work for you, but I am including a copy of the letter i sent. It includes the actual PO Box you need. Don't forget to send a cease and desist letter via certified mail so you can prove they did receive it and the time, date and name of he person who signed. Best of luck and I wish you no more phone calls!

My stepfather was served with papers stating he owed Western Acquisitions/Cash Call $3100 on a loan that they claim he took out for $2500 in 2007 at 98% interest rate. He has no recollection of this. As his POA, we filed an answer requesting to substantiate the claim. A week later, the courts agreed with the plaintiff without providing documentation and say that my stepdad now owes $3600 for an account he has no recollection of and he stated that he would never sign a loan agreement at a 98% interest rate. We need Cash Call/Western Aquistions shut down not only for deceptive practices but also preying on the elderly and our veterans.

I applied for a loan, and spoke to representative Anthony **. He informed me that I qualified for a $5000.00 loan. I only needed and wanted $3000.00. He told me their loans went from $2600 to $5000 for a tier loan with no other amounts in between to borrow. He said that my option was to borrow the $5000 loan and put $2000 back on the loan, that way I would only be borrowing $3000. After many conversations with him to verify this information, I agreed to a $3000 loan for 10 months with a monthly payment of $310.

I noticed on December 10, 2011 that Cash Call tried to take a payment of $498 out of my account. I immediately called my bank and had the payment stopped and the payment was returned to my account. I contacted Cash Call immediately and that is when they informed me that I had signed a contract for a $5000 loan with a payment amount of $498 for 82 months. I did not agree to a $5000 loan, 82 months over the life of the loan would be $41,000 at 116 % interest. This is absolutely absurd, no one in their right mind would agree to a loan like that. They deposited $5000 in my account, immediately the same day, they took $2000 out of my account and left a $3000 balance. They are saying that I am responsible for a $5000 loan for 82 months.

I spoke with Supervisor Nicole on several occasions, trying to rectify the situation, including replaying "some" of the recorded phone calls between myself and Mr. **l. Coincidentally, they seem to have "misplaced" the phone calls where I explained to him that I could not afford such a loan. They tried to offer me a deal and said it was the best they could do, for a $3000 loan with a payment of $310 a month for 36 months at 116% interest. I told them I did not agree to that offer either, that's not what I was quoted or agreed to. Since then, I have had several harassing phone calls from very rude and aggressive employees including supervisors.

I have since mailed a letter to them asking them to cease and desist all phone calls to myself, references and employer. I have submitted my paperwork to my attorney for review. My final comment on this matter is to have this business shut down. I have done some research on this company and found that there is a class action lawsuit going on as we speak, for the same complaints I am making now. This company needs to be shut down so there are no other victims in the future.

I received a loan for $500.00 into my bank account. I was told that I have to pay back 1800.00 which $150.00 will be taken from my bank account every month, no letter in writing. I am going to Better Business Bureau.

I received a loan from this company and they take me to court to pay them $2768 after I've paid for 2 years plus. I pay $40 a month after I paid $2000. They still call me, ask for payroll department, and call me at work hours, very rude customer service.

A text message sent to my phone for Christmas cash advance (dis)service. None, won't call back. No one has done anything since 2007 when complaints began. We must be helpless to stop them, so I just won't play with them.

This company seems like a scam to get your personal information. I kept supplying them with all the information they requested after I was told I was approved for $2600. They kept saying that "underwriting needs to review". I kept giving them very personal info: SS, tax forms, banking info, and pay stubs. They strung me along for five days. They need to be investigated by the states attorney's office which I will contact in Florida.

On October 17th 2011, I called a CashCall agent to see if I can re-apply for my personal loan that was paid off and in good standing in 2006. Although, I hadn't signed any forms or gave authorization for a new loan, my agent told me that I was approved for the same loan of $2600 if I was interested in taking it out. I didn't have all of the documents required and I hadn't given permission to run my credit as he told me this is done once the underwriters receive all of my information. After reviewing how much the interest would be on the loan, I considered that it was too steep for me to pay and decided not to take the loan. I informed my agent and explained to him that I decided not to take the loan. While in the middle of speaking to him, he said,"interesting" and then hung up on me while I was still talking. No loan was ever received, approved, or completely applied for.

Today, November 26th 2011, I received a letter in the mail stating that my loan was denied by CashCall because of my credit score which was a 587 according to Experian and that I had too many derogatory remarks. Recently, I received my discharge for my chapter 7 and had a clean slate. With over 90 days from my discharge and no activity and at the time I considered applying for the loan, which as after my chapter 7 discharge, my credit score was a 644 per Experian.

How it dropped so low is beyond me as that was the only company I had went to at the time. Thus, I can no longer apply for a loan, a job that requires fair or better credit, or consumer credit of any kind due to CashCall's unauthorized credit checks which dropped my credit score nearly 60 points. Please help!

I got calls from these guys threatening me and my family over delinquent loan payments, and I have never even heard of them! They couldn't even get their story straight. First, they claimed I owed them for a credit card, then a house loan, then a car loan, then claimed I cosigned for someone, but wouldn't give me a real name, and claimed it Antonio Banderas! They wouldn't give me the supposed account number or the payoff amount. When I pointed out the messages were to give me another loan, despite what they told me on the phone that I was delinquent, I was cursed out, called names, and they hung up. Then they called back and left horrible messages on my phone for days calling me everything they could think of. I have no clue how they got my number, but when I blocked them, they called from seven other numbers. Finally, I had my attorney write them and demand they provide proof I owed them money or stop calling me. What a surprise, no response. Dumbest scam ever. Why would I even consider taking out a loan from such an abusive company?

Your credit will be no worse off than it is now.

You will have a free bankruptcy. The money will be supplied by another predatory lending cash call company. All collection efforts from both companies will have to stop once the bankruptcy discharges the debts. Enjoy!

I had a judgment against me for $2424.00. My payments were $125.00 a month. Starting on Jan. 1, 2011, I paid on time except September. I was 10 days late on November 8th. I sent the remaining balance of what I thought was $1074.00 to them. They cashed it. They called and said I still owe $20.00. When I went over all my payments, I realized I overpaid on that $1074.00 by $25.00. My balance was $1049.00. I called and spoke to Felix who was very rude. I told him how he came to that figure of the extra $20.00.

He put me on hold for 9 minutes and came back and said, "Never mind, your account is paid in full." When I told him I overpaid by $25.00, he said they were late charges from my September payment being late. Now the judge said $2424.00 from this point on no interest or late fees are to be applied. When I spoke to the Manager "Aaron **", he said if I want my $25.00, I can take them to court. I think this company tells their customers they owe extra so they can pocket the money! When I asked to speak to their supervisors, they were all out!

This is about a TV advertisement for loans from a Native American Tribe with low interest rates. I think ** was the presenter. I signed up for the loan and the tribe promptly sold it to CashCall. I didn't know who CashCall was, but I have researched this company. You should borrow from relatives and pay them off quickly. I have contacted the Colorado Attorney General's Office, and they are investigating. These people should be found and arrested. Good luck! You will pay forever. They have moved into your checking account. CashCall is your worst nightmare.

I had taken out a loan with Cashcall back in 2007 as I had run into financial difficulties and needed assistance. It was a $2500 loan which I was paying religiously; they were doing an electronic debit to my checking account monthly. After falling deeper into financial trouble, the bank account had gone overdrawn and the bank eventually canceled the account. In July of 2010, they had filed a petition against me and started having my wages garnished which eventually led to me filing bankruptcy in September of 2010.

My bankruptcy was discharged in December of 2010 and garnishments stopped but then in June of this year, I started receiving calls from "investigation companies" telling me that I am being charged with internet check fraud due to Cashcall debiting my account previously for payment. Cashcall had been a company that was included in my bankruptcy and then they try and come at me from another angle with a fraud charge. I currently have an attorney working on it and every time some calls come in regarding the check fraud, I just forward them to my attorney. We will see what happens

I was told that my request for the special advertisement on the radio wouldn't apply to me, because I did not need to borrow enough money or have a high enough mortgage. It's not worth their time or effort. My credit is excellent and I met all their qualifications. I feel this is false advertising. They did not pursue my request for refinance at the 8.85 rate quoted on the radio.

I needed the money bad. I paid for five months, fell behind one month and they have not stopped calling me every single day. Dalbert services called today, 10/05/2011, begging us to get money from family friends and have you explain why you have not paid them. I politely have told them my situation and they just keep calling me.

I had the same problems with Cash Call as the rest of these people. I am reading about 100% interest rate and after years of payments, the balance never went down. I found the solution to the problem. I filed bankruptcy and no longer have to deal with Cash Call ever again.

I got a loan from CashCall for $2500 and it wasn't explained to me that the interest was 100% and I have paid $1800 back so far. I called to see what has went toward my principal and they told me $5.00. This is absurd and something has to be done about this ASAP. I need some advice on what to do.

I was looking for a loan and read all these horror stories! Why don't someone get a class action suit lawyer? Please, people, make a stand. Thank you for your feedback. I'm not going to contribute to this company's scamming of desperate people.

It's always interesting to see everyone complain, ** and whine about taking out a loan product (not being able to pay it back) and then blaming the lender for "ripping" you off. First off, the federal government requires lenders to post and disclose all rates and repayment terms and options to anyone getting any credit product. Period. You can claim, scream, yell, whatever that these guys didn't disclose the repayment options to you, but you just didn't listen. Second, with all APR's listed on their website:

$1,500 @ 194.70% APR

Why in the world would you consider this a "prime" lender? These guys wouldn't be charging you Loan Shark rates if you had good credit (or if you actually had another choice for a loan product). Most importantly, if you apply online, the final application page requires you to click "accept" to the paragraph that specifically lists the rates as to their current rates. You also agree to repay the amounts, along with agreeing to repay the amounts according to a repayment schedule that was made very clearly and apparent to you. Use your brain people.

Third, yes, these people are crazy expensive. Yes, they probably have collectors that are rude. Yes, they probably deal with people that are dead beats and enjoy taking out loans, defaulting on those loans and then blaming the world for their financial ruin and inability to use logic when deciding to take out a $300 a month loan payment --when they work at Burger King making $400 a month.

I am a current customer, because I was in a bind and needed a way to pay off a few items. The loan rep was so ridiculously honest, it was almost uncanny. I chose to apply over the phone and he was so beyond truthful, even going to lengths to say "this is probably not a loan that you want to keep out for anywhere near the 47 months because you will end up paying nearly $15,000 to CashCall, which is ridiculous". He repeated himself on a few points and made sure I knew what I was getting in to. Those of you upset because bill collectors are calling your house, demanding payment on a loan that you took out, should really be ashamed to post on sites like these. I'm glad I'm not a lender. If you borrowed from me and did crap like this, I'd sue you faster than you could spell the word sue.

If you don't like the terms, don't apply. If you want to blame companies for 'getting you into debt', consider this: Who was the person who clicked on the "accept" or "apply" button? Who was the person who spent the money? Yes, I figured you would agree.

Good luck all! I know that I'll have my loan paid off within 6 months, knowing that I'll actually have to pay more than the minimum payments to ensure I don't get screwed with all that interest and I'll definitely use these guys again if I find myself in a bind. If you still think you have been 'mistreated' and that it's the lenders' fault for putting you in this situation, write to the BBB and to the Office of the Comptroller of Currency, and let them know your concerns. I'm sure you will be blaming the government after you get your reply, as they will remind you that you signed the loan docs and agreed to pay the loan according to the loan docs you agreed to.

Few of the things I have experienced from CashCall are continued harassment, rudeness by agents on phone (they refused any settlement with me), and scold/shame tactics. They have instructed me to sell or pawn my personal belongings, borrow money from family or friends, and to take out payday loan just to pay them.