One Click Cash

I borrowed $500.00 in August 2009 and they took out my account every month. It should pay off but they want me to pay more. Someone calls at my job and give information to my employee. It is not their business and my job people were very tired to hear when they disturb and call us almost every week. The customer service knew that I am a deaf and should not give all info them about me. They have my email and should not give them all info. That is why I ignore them every week. I plan going to get an attorney and file to sue them for giving them my SSN. OneClickCash is stealing their money and I don't trust you anymore.

I borrowed 450 dollars back in November 2010. One Click Cash has been debiting $135.00 every two weeks from my checking account. I thought this was my monthly payment. I called today to confirm that I was paid in full and was told that I haven't made one single loan payment. I believe they're ripping me off. I have since closed the checking account they were using. But I fear that if I don't pay the amount of $585.00 by the 15th of Feb., my loan amount will double or triple and I will be sued. I spoke to the rep today she said it wasn't their fault if I didn't understand or didn't read the loan documents they sent me. I feel I have been robbed.

One Click Cash did not present the terms of the loan and the amount stated was different. I called to make payment agreements, explained that due to shortage of hours at work, I could and would make pay small payments to pay off the money. The balance is double the amount of the $400.00 loan.

They completely lied to me about loan took money out. They shouldn't give information to other company. They pretty much robbed me legally.

I took out a loan with OneClickCash on 8/9/11 for $400. At the time of the loan I was informed through email that I would be charged $120 for service fees and interest and that $120 would be automatically withdrawn from my account on each pay period. Well, they withdrew in August, September, October, November, and December. As of December 31st they have withdrawn $650 out of my account. Today they had the nerve to send me another bill saying I owed $155.

When I went to check my account online with them, it says I still owe $455. When I calculate this I told one of their representatives that they are charging me $1105 for a $400 loan. I asked to speak with a manager when I was on the phone. The lady hung up with me and told me one would have to call back. I have never seen such horrible customer service. I will be changing my bank account immediately and stopping payment. This is ridiculous and I am getting a lawyer and my area news company involved.

I did not realize I would be paying $1000.00 plus back on a $500.00 loan. I closed my checking account and emailed them. I will make attempt to pay back the $500--but not $1000.00. They will have to send me an address to mail my payments to them. So far I have not received any address. Yes, an attorney can contact me as I am not clear on what to do.

One Click Cash says they deposited $150 in my checking account on Sept. 26, 2011 which I had put in for. Well, guess what? It never made into my account. My bank and I have faxed all documentation form my account since Sept 1, 2011 and there was no deposit of $150, then they tried to take $270 out of my account and were successful, but I never received the $150 to start with. They are scammers and all online payday loans should be banned.

I borrowed $400 from one click cash back in August. They never sent me a contract nor did I sign any paperwork. Only after they deposited the money (which I wasn't notified it was coming) did they tell me the terms of my loan. I told them at that point I didn't want the loan, but they said there was nothing I could do. So for 3 months they took out $120 that none of it went to the principal. Then, they took $670 with no notice. When I called them, they said I could do a reloan but they wouldn't do anything about the $670 they took. So basically, I have no choice but to take another loan because they have put me in an even worse position. I thought the consumer laws about pay day loans had changed, but One Click Cash doesn't have to follow the new laws.

I needed some extra cash. I applied through Money Mutual, and they matched me to One Click Cash. I borrowed $300 plus interest, that equaled 90 dollars. Just today, I noticed that from the date they deposited the loan, they have debited a total of $750 dollars from my account. The representative named Shury said that, the extra money was because I did not pay the loan in full on the first payment. I asked her, "if you guys automatically debit from my account, why would you not debit the full $390?"

She said, "we need a written consent". I read their emails, and it just indicated the payment due. It did not say if you don't make a full payment, you will pay almost three times the amount of your loan. This is a disgrace, because people who borrow money, are not in the best financial situation, and this company takes twice or three times the amount of the loan from its customers. Montel ** should be ashamed to represent such companies. In addition, the representative had the nerve to tell me I still owe $123.00.

I have lost $350 to this company so far, and they have no shame in admitting it. The representative would not do anything for me at all. Therefore, I paid them almost twice the amount I just to borrowed to hold me until payday.

I got an email saying I owe the first installment payment, when I applied. They said they could not grant my request. So now, I am going to be short on paying my bills. I do not think I should pay for something I was never approved for. This company should be out of business.

I never approved of a loan with this company or signed anything. One day, I notice on my bank statement that they debited my account for $90, and weeks before had deposited $300 in my account. I don't check my account every day. So, I had no idea they deposited the money. Unfortunately, I used my debit card, and now it seems I have to pay them back, even though I never signed one thing saying I wanted a loan from them. I don't know how to get them to stop debiting my account. If they want the 300, which I don't feel I even owe them, then fine. They have already taken out $270. I will happily pay them 30 more and call it even, but they stole my personal information and fraudulently deposited money and took out money from my account.

I took a loan of 200 back in June, they said I only owed 275 and they where going to collect on the 24th of July. In July, they only took 75 but since then they have been taking a total of 600. When are they going to stop? I asked and only agreed on said amount. I am a single mother struggling to make ends meat and these people are taking from my children. I want some answers immediately please.

They called me and said they are suing me for $10,000 for a loan I took out. They refused to provide me with the date or amount I alleged borrowed. I looked at my bank statements and can't find a deposit from them. If I owe them, I will honor my debt. I just want to verify the info and they refused to give me the info until after I pay them.

I just received a phone call at my work from a very rude man at One click Cash, threatening me about a loan from back in March 2011. I do remember looking at using a "payday" loan placed on line but never received any information or agreement from them. All of a sudden there was a $400 deposited in my bank account.

I found out what it was and yes, I did use the money. They then started withdrawing on every payday $120 (twice a month). This continued for several months withdrawing well over the pay back amount for the loan. Now I am being harassed by them for over $500.

I no longer have the bank account and they are trying to take money from my prepaid card. I asked to have a number I could call him back on and he said I was avoiding paying it. They withdrew over $500 from my account and I don't owe a thing.

I received $200.00 in my checking account from OneClickCash even though I never filled out an application with them or signed any agreement. Never saw any paperwork regarding a payment schedule. They then continued to take money out of my account every two weeks. I have since put a stop payment on them after I added up the payments I had made to them and they were well over $200. Now I have requested to see the documents that they say I signed. We will see if I get them.

I borrowed $500 from One Click Cash. I was supposed to repay $650 on the 27th of October. I saw a withdrawal for $150 on the 27th, assumed it was the interest, and they would deduct the principal, the following payday. They deducted $150 the following payday ,and when I called they said it was a "service charge" Service charge for what? I still owe $650! They are not going to rip me off anymore. I am closing my account, and will see them in court. They can call my job all they want! What a bunch of crooks. I am instructing the SC AG to investigate.

I requested a loan through mymoneymutual and one click cash gave me a loan for $400 but they want me to pay back $670. So they keep sending for payment to my bank because of my insufficient funds charges.

I applied for a pay day loan through Monte Williams Pay Day Loans. However, once you call them, they have various lending companies who call you back - One Click Cash was one of them. I gave them my personal information so they can wire the money. Since then it has been over a month and they will not give you a contact # to speak with a live party to inform them that you want your loan paid so they can continue to deduct the $90.00. I have paid them over $300.00 in fees because I cannot get in touch with them. Please help me solve this problem. I am panicking; I live alone and I am out of money every pay day. The $90.00 is a lot to me.

I already filled one of these out but I do want a lawyer to contact me. I filled out a form to get information online about payday loans. This was on 8/28, after a few places called I decided this was a bad idea. I never talked to anyone from One Click Cash.com nor had I ever heard of them until they deposited money into my checking account. I never saw nor agreed to any terms. I never signed anything physically or electronically. They accessed my bank account without my knowledge and permission.

I signed up through another site for information on payday loans and that's all I did. A few days later, I saw a deposit from Oneclickcash in my account. I never saw any terms, never asked or agreed to the loan; in fact, I had never heard of them until they put money into my account. I then looked up this company and read hundreds of horror stories. I have since closed that account.

I am trying to get them to send me documents through the USPS showing me where they say I agreed to this. I'm at a loss of what to do now.

We borrowed $400.00 and are still paying for it. They have been taking $135.00 every two weeks and still not one dime on loan. We called. They were rude. They said that that is how it works. They are thieves, scam artist, and taking people for everything. They have this happened in July and the balance has not moved. What I want to know is where is the money going besides their pockets, if not towards the loan. I thought this was supposed to help people, not take everything they have now. We are in the same boat because they are taking $300.00 a month out of our checking account. Because of this, we will have to sell some of our stuff just to pay bills. I hope they are happy and living very well on the money they are taking from hard working people that barely get by.

All of the complaints that I have read are so true about One Click Cash. They are truly overcharging people. I took a loan out for $300 and they told me that I owe them $390 back. They have been taking the $90 but I thought that it would go toward the balance. They are a rip off. I have a loan out right now through Advance America in the amount of $500 and they only want $565 back--and I can re-loan every two weeks. I will never do business with One Click Cash again.

On 6/28/2011, I received a $600.00 loan from One Click Cash. I supposed to repay $782.00, but they have taking $1020.00 from my account. I called and the person I spoke with told me that I was paying on the principle and the amount. I still owe $650.00 and the next pay is $200.00. I will be paying three times the amount.

I borrowed money from OneClickCash and they graciously approved and deposited $300.00 in my account on 8/23/2011. On 9/16/2011, OneClickCash (**) withdrew $390.00 from my account as payment for the loan plus interest. Now, people with Indian accent have been calling my workplace, stating that they are calling from Criminal Investigation Case number ** and that I have not paid this loan, and they are threatening to take me to court.

I am not afraid to go to court with you as long as I have record that this loan was paid, but I want you to know that I will sue your company for giving my information to these Indians to call my workplace, telling the staff that I am under criminal investigation and for threatening to take me to court. I just want you to know this.

Assumpta

Arranged a loan for $300. Finance fee is $90, and I assumed the loan would be paid off after 30 days, per the contract. Instead, OneClickCash took $90 out of my checking account. I still owe them $390. I have requested eight times that they debit my account, called them several times, and sent emails. Turns out I have to arrange with them three business days in advance of the loan due date that I want to pay off the entire loan, with the $90 fee.

Certainly, I am at fault because I didn't read the contract thoroughly and see the fine print on page four that requires contacting them in advance in case of a payoff. But I still think this is a shady practice; misleading, and certainly akin to stealing.

I will try to get them to debit my account and pay off the total amount in the next three days. I tried talking with them but they say it's too late and they can do nothing until they receive their first $90 finance fee. My bank says they took their $90 last week; OneClickCash says they haven't received any confirmation from my bank, that they will receive the $90, which was forwarded to them a week ago.

These people are nothing but loan sharks. I will try paying them off this week and pay the extra $90 fee.

I asked for a loan of $150 months ago. My interest was $49. For the past four months, the company has been deducting the $49 from my debit card. I called today assuming that my account had been paid in full. I was told that for the past months, I had only paid a recurring interest and that I still owed the full amount of the loan. This is a clear case of fraud and I want to report this company.

I applied for a payday loan from One Click Cash. They deposited $300 into my account on 04/15/2011. I agreed to re-pay $390. I paid the following: $90 (05/10/2011) and $90 (06/14/2011). I received an e-mail stating that my next payment would be $140, which was more than I agreed to re-pay. In addition, I learned that they wanted to resume the $90 payments. I placed a stop payment on One Click Cash in order to pay by money order. One Click Cash created check #** titled "Pre-authorized Debit" for the amount of $519, which is already paid.

I never received any money from this company. I just asked for some information and now, they are taking money out of my account to pay for a loan that I never received. Please advise.

They keep calling my phone and work phone. They started taking all kinds of money out of my bank account. Now, my account is overdrawn. And I have to close it out. How can people do this to hard working people?

I took a loan in May for $500.00. My bank account so far has been debited $800.00. When I called them, they advised me that I still owe $570.00. Per the person that I spoke with, these are for deferring instead of paying the balance in full, I was not aware of this, if I was, I would never agree to such nonsense.

On account of this, I will have to change all my bank information because, I think, they are crooks and they are debiting my account without contacting me. I refused to have a negative for my real debts.

I took a loan out last December and have been paying almost 3 times of what I borrowed. I finally had to close my bank account down as the funds for the fee kept withdrawing even after I told them to take more out. I got a call at my place of employment demanding payment. I repeatedly advised the representative to not call me at work and give me a contact number and name to call back and discuss. Again, the representative kept demanding payment and a credit card number. I have had no contact with this company in regards to resolving this since April the representative claimed. So insisting payment on demand 4 months after no contact seemed odd to me.

I used them for a payday advance. i got 400.00 they took the first installment out of my account. I went out of town for work due to tornados as I am in the Insurance business. When I got back they hit my account for 790.00 twice as much as I was supposed to pay. THESE GUYS ARE CROOKS

I received a $300.00 loan in Dec 2010. When I received my loan, I requested that my loan be paid off in one month. The pay back was supposed to be $390.00. 6 months later, I'm still paying back on this loan. After 4 months, I called and spoke with Will. Will told me he would extend my loan and the full amount was going to be withdrawn on June. I called back to speak with Will because on June 2, only a portion of the money was taken out. I have called everyday requesting to speak with a manager.

They would always put a team leader on. Either, one with a smart mouth, or one who doesn't know what is going on. The last team leader said she was going to call me back after she listened to the call. There was no call back. I called in to talk to a manager again today; the representative guy had a smart mouth. All I wanted for the company to do is take the remainder, $250.00 out my account to pay my loan off. They are refusing to take my money. I will not pay them a dime over the $250.00 I owe them.

I received my loan about a year ago and I am still paying for it. I have a lot of medical problems and I have paid back the money I borrowed plus some. I cannot pay anymore from my S.S. check. What is my recourse?

I used the above company, borrowed $550 in two loans. I paid back almost 3 times that amount. I read the fine print but their interest rates are worse than a loan shark. I believe they should be banned in every state. I wrote them that I am no longer paying the monthly payments because checking account was closed. I have been trying to write them but can not find their mailing address. When they called me, I told them I'm not paying you anymore and I will not do business with them over the phone. Not only One Click Cash, but everyone, be aware of any payday loans on the internet. They are just loan sharks.

I applied for a loan for 250.00 and they charged me 75.00 for the loan. That was fine and I have learned a lesson. My complaint is that they sold my information to a Phishing scam and my bank account was emptied. I am on a fixed income, so that placed me in a real mess. I had to close all my accounts and start from scratch until these people pay me back.

248.99 was taken out of my account and now the bank gave me a new account, however, the balance is 0.00 until I get my next pension check. I am left with absolutely no money at all. They not only ruined Thanksgiving. They ruined my bank account. I feel so violated and I am handicapped. What animals do this?

I had been contacted about making payment because they tried to take out payment from my bank too early and payment was rejected. Then come pay day, they ended taking out the whole total amount instead of the amount agreed upon, which was to be half of $650.00 on a $400 loan. I stayed without a pay check, but I am glad that I don't have to deal with them any longer. This company is breaking laws I am sure! I couldn't pay my house payment due to most of my pay check being withdrawn by this company. If not for relatives, I would have been homeless!

These people are rip off. I agreed to borrow $350.00. I agreed to pay off in 3 months. I am still paying $105.00 a month and won't have it paid off till June 2011 at $105.00 a month or service fees. This is not what I agreed to pay. I owe 455.00 at the present moment. If I chose today to pay off. These people are ripping people off. I did read my agreement and where did my short period to pay go? I know in their pocket!

This company is absolutely horrendous. I took a loan out for only $300 and they have been taking money out of my account. Yesterday, they took my entire paycheck and charged me $590 and my bank charged me overdraft fee of $35. I have put in a complaint to the Better Business Bureau and have to go the local bank in my town and get this straightened out. Do not use OneClickCash.com. That is easy. They took my entire paycheck and I am single mother. And they took all my money and now my bills that are due every month are going to be late and I don't have any money until next payday.

I intended to borrow $500.00 in which I only received $400.00. I agreed to pay back in 5 installments. My account is being debited since July and every two weeks, they are continue to charge my account. According to them I had to call and arrange payments online in order to pay off my loan. They have been paying only the interest and they are claiming I still owe $398.00. I have already paid them $900.00. They are a scam and take advantage of people in desperate need of temporary relief. Please help!

All of these negative comments on one Click Cash are only due to the fact that these idiots did not read there docs. I mean duh! You needed to have read all the terms and conditions. If you didn't then you have only yourself to blame! I have taken four loans out with this lender and they have taken the entire balance due on the due date because I knew I was the one that had to tell them to do so. Had I not contacted them (which it clearly states you need to) then they would take out the interest and will continue to do so.

It is the ignorance of these complaints that give short term loan companies a bad rap. Read the terms, people. Just had to say my input and stand up for them. They are okay and I have needed them in a pinch. And any dummy knows they do charge a lot for fees but that's the price you pay. And ignorance is not bliss in this case so wake up, dum dums.

I took out a $250.00 loan and when I started to pay it off, on the phone I was told that there would 5 payments to pay off my loan. But that has not been the case in this business transaction. I called them after the 5 initial payments, and they told me that I had only been paying interest on the principal of the money that I had been loaned out, for the five months, which they never told me about.

My total payback was supposed to be $375.00, which in my opinion, I think is the service fee for the loan, and then they add, your original loan, and then they charge an early pay off fee. They have taken over $900.00, from my bank account and I had never authorized any more than 5 payments to be debited from my account. This is a scam and they are simply using the laws of each governed state to get over on anyone that uses their services. Please do not use this company ever! Go to your local check cashing place for a loan, if someone needs a loan.

Misleading lending practices, which resulted in several withdrawals (debits) on my checking account. Though, per the reps. conversation with me during the initial contact, the premium plus the interest (fees) were to be debited from my account following the next pay date. However, I found that due to their highly unethical and misleading business practices. They have been wrongfully debiting my account for $90 on a loan that was for $300. When trying to resolve this issue, they simply said that instead of them taking the money out (both premium and interest) in one payment (which my account had ample funds to cover), they automatically set me up to extend the loan, therefore, allowing them to continue to provide extensions and receive $90 payments over and over again.

I started my loan on 8/03/2010 and I did receive $200 but in the contract, it never said there was 60 dollar fee. I saw that the 60 dollars is the minimum payment that goes towards the loan. I think they are just a big scam. My balance as of today, 9/16/2010, is now $320. They say they go by the state law and I didn't see where they go by the state law, and that they said they are an interbase and they can charge what they want. In the State of Califorina, for a loan of $255, the fee is $45 coming to $300 payback on payday. Beware of One Click Cash! They take advantage of people who are in need of help! It is outrageous!

I took out a $200 loan from One Click Cash on 6/7/2010. The payback amount agreed upon is $320, which will be debited from my checking account every two weeks for total of 5 times (4 X $60 and 1 X $80), but so far they have already taken $475 from my bank account and said will take another $125 more. Here are the details of the electronic debits they have taken out from my account: 6/25/10 for $60; 7/9/10 for $60; 7/23/10 for $60; 8/6/10, they tried to withdraw $60, but was unsuccessful due to my account was overdrawn so it was returned by the bank. On 8/11/10 for $90 ($60 plus $30 fee for the returned payment on 8/6/10). On 8/20/10 for $110 (2 debits for $50 and $60). On 9/3/10 for $95 (there are 2 debits for $50 and $45, which I have no idea what that was for). I never authorized them to keep debiting my checking account.

When I called One Click Cash today at 1-800-230-3266, the representative told me that there is still a balance of $220 on my account, and since we put a stop payment on the $95 debit, they tried to withdraw today, they will take that amount again from my account on Thursday 9/9/10, plus 2 X $30 fees for the returned payments. And even after that they said we still owe them another $225, which they will take out from our account in another 2 weeks from now. They said all those charges are for the loan service fees that they are going to keep taking out from my account. So far they have already debited $475 from my account and will take another $225 for the total amount of $700!

$700 payback amount for the $200 loan is beyond ridiculous! I have never agreed to pay back such amount! That is a rip-off! According to them all those outrageous fees are due because when I first got the loan, I didn't request for a payment arrangement that has to be set up online through their website. They said on 6/4/10, they emailed me the username and password to login on the account so I can arrange the payment arrangement to avoid being charged all those service fees. I didn't know that I have to login to the account to arrange a payment option. When I read the email, it didn't even mention that I have to set up the payment options online, otherwise, I will be charged all those outrageous fees.

My account is already almost $400 overdrafted and I was charged overdraft fees (2 x $30) by my bank for the debits they withdrawn which were unaccounted for. Currently, my account is almost $400 overdrawn, and today they are trying to debit another $95 from my checking account. The transaction is still pending as of today on the checking account, so I called the bank to put stop payment on the 2 debits ($45 and $50) that they were going to take out today. The bank charged $25 fee for the stop payment.

I took loan of $150.00, and have been paying for it for 4 months. The payments were $45.00 a month. They say I still owe $195.00. They took funds from me that could have been allocated to doctors' fees.

I processed an application for a loan. I was never notified there would be a loan. I was never told the requirements of the loan. One day about two months ago, there was a deposit made for $400 to my checking account by One Click Cash. I did not know when it was due or the cost to make the loan. There was no word by them about the details of the loan. In September, there was charge for $120.00 processed to my checking account. I have sent emails to them asking for the full details of the loan. They have not answered that memo. I have sent them several more but I got no response. I sent a mail to them on 8/24/10 asking for the pay off amount, because they sent me an email telling me they would charge my debit card (checking account) $120.00 on September 9, 2010. I told them if I did not hear from them by 08/30/10, I would contact the Florida Attorney General's Office. I have received no response that they should not accept the debit card charge on 08/09/10.

I think it is time our federal and state representatives should put some kind of rules on this type of loan sharking or stop it entirely. When I was younger, we were very concise about usury. The banks and credit card companies lobbied our government representatives and let them charge what they wanted to charge. They have over $4,000.00 of my money. To open a business within a result, it cannot happen till I receive my equipment.

They got into my account and withdrew funds for a loan which I never received any money three times for $45 and I want to be aware of this situation when people start scamming the elderly.

Keep over drafting account. I'm 100% disable vet and get paid on the 1st every mouth, but they keep taking money on 30th and will not change it or give me any overdraft fees back. It's bad enough a $400 loan will cost me $997. I say never do business with them. I can't afford the overdraft every mouth.

I took out a $300.00 loan. On the document, pay back was listed as $390. I was told by one of the reps that I could go online and request for a pay down on the loan, so I did. Every pay day, they took 75 dollars from my account. When I thought the loan should be paid off, they told me I had 5 more payments! I had already paid back 365 dollars. So they came up with some ** that I was supposed to request for a pay down every time they were going to debit money from my account. So all the money I was paying was not even going toward paying off the loan and they never told me I had to call every time because if they did, I would have; which makes me believe this is how they get people. I regret taking this loan out. $300.00 borrowed and now, they want me to pay back $840.00. Good luck with that one.

This site is a major scam. I applied for a loan with One Click Cash at their website for $200 and ended up paying them $560. I demanded they give me a reason, and they gave me all these fancy words with no legitimate reason.

As a result, my account was over-drafted three times on one payment day in three different transactions in the amounts of $30, $50, and $60, giving me three overdraft fees and putting me another $90 n debt. It got worse. They withdrew from my account again the following week in four different transactions, and yes, more overdraft fees that put me over $600 in debt in a month.

I took out a $200.00 payday loan with One Click Cash and ended up paying $730.00. They kept adding money saying I wasn't paying it off, when really I was. They are scamming people. I would never recommend One Click Cash to anyone. They are horrible.

I had applied for a loan with one click cash of 200.00. I got the money but what I didn't do is review this company. I did and what I read about them was terrible. That scared me, so I closed my bank account.

I took out a payday loan from One Click Cash online. They took out the amount they were supposed to on my payday and that paid the loan off on time which was the agreement. They then took the same amount out of my checking account for the next 4 paydays. I borrowed $200 and the payback total was $245. They took out $245 from my bank 4 extra times and will not return calls, etc. I spoke with a lawyer about this and he said payday loans are highly illegal in my state and not to pay them one cent. He went on to show me the laws written that they cannot take me to court because it would end in them being arrested for illegal activities.

I was given a letter to type and email them. It's been a year and I haven't heard a word! They know they cannot legally do anything other than call and harass people. They don't even have collection departments like you may get calls from. It's their office feeding us all a line of ** to get us to pay when we legally don't have to. Google to see "is it illegal to do a payday loan in ?". If it is illegal, email them and state "the A.G. office has instructed me to tell you I will only pay you if you can send me a copy of your business license that allows you to do payday loans in my state". If google says your state is illegal to do them, then they will never call you or harass you again!

I lost 3 checking accounts and now, I can't even live like a normal person in this world. Due to them taking more than they said from our bank, our account was closed and we owe the banks in return fees, which we don't have to pay. This was not our fault, I feel like I've been a victim of ID theft or something. I can't even live normal with a visa/check card/bank account.

I borrowed $400.00. Every other week, One Click Cash is to take $120.00 out of my bank account. I called them in June to let them know I was not working and the money was not going to be available and I was putting a stop on the ACH withdrawal. On June 15, One Click Cash created a phoney check in the amount of $670.00 and overdrawn my checking account. One click Cash has made a $510 profit on me for $400.00. My checking account was overdrawn for $600.00 and I have no means to pay back the money to the bank.

I was in need of a cash loan and saw Montel Williams on the TV. I went to the website and gave all information they required. They have now taken out $395.00 for a $390.00 loan. I faxed them on 6/15/10 and requested them to take the full amount of $390.00 to make it paid in full. They have not done as I requested, They again took out $75.00 on 7/9/10. I now have to close my checking account and reopen a new one. I contacted my bank and Cathy a banker told me she has had four other bank customers with the same problem. So I will stop payment on them and go from there. Don't trust them it is a money scam. They take interest payments and won't take paid in full payment! The fax # is 1-888-553-6477.

Well, I went to CashLoanNetwork and was thinking about loan. Then, I went to a cash lender that gave me the money. Called USFastCash. Then, about one week later, I noticed the other company gave cash that I never needed. When they OneClickCash was found taking deposited money a day before I got paid on my disability paperwork, I was checking into why all this cash was missing. Then it was the bank who told me that USFastCash and Cash Loans and OneClickCash gather information and sell the information to each other. This made me furious. I ought a stop payment because they are scammers. It would make more sense if you have a checkbook do this locally and stop the scammers. Put up blogs and tell people, everyone you know, that they scam. That's why they do it online. In the long run, it's cheaper to get the overdraft fee from the bank or stop payment cause there are too many scams now to use internet sites!

Well, I'm on the lowest disability income and have to borrow money from my 90-year old grandparent. They don't care. They are just losers who think that making a dollar is all they want. Hopefully, the president shuts them all down like they did the online doctor who gets narcotic places!

I applied for an online payday loan. They deposited $300.00 into my checking account on 1/19/2010. They have since taken $90.00 on 02/05/10, $90.00 on 02/19/10, $90.00 on 03/05/10, $90.00 on 03/19/10, $140.00 on 04/02/10. I called them this morning and they said I still owe them $325.00. They plan on taking $125.00 electronically tomorrow on my next check and continue until June 11th, 2010. This has to be illegal.

They told me that the only way I can pay off the loan is to mail them a request by postal service along with a money order or cashiers check and it must be at least three days before a deduction. How can this be legal? Doesn't this also take the state of WA limits over the maximum of 8 loans per year? I need help. I would like some of the money back.

Since, I have searched on the internet and there are thousands of people in the same boat with oneclickcash.com. I wouldn't have required a loan if things were financially sound for me and this just makes it impossible to pay off with these payments and never paying on the principal.

It's an absolute ripoff! My personal experience is just like many previous posts by other victims. The money they take out of your account every month goes towards "fees", in my case, $60.00 to extend the "total amount" due which was $260 to my next payday. It is not clear in the contract until it is too late. They call it a "renewal". They are terrible people. As of now, I am stopping the ACH debits and will pay them with a prepaid debit card. This company can kiss my you know what! I learned my lesson and will never get another payday loan ever again in my life. I am glad regulation for these terrible companies are underway.

In December 2009, I took out a $200 loan. It is now April and I am still paying on this loan. I have paid about $500 to date and when I called them to ask in exact number what I have paid, the not so nice lady said she did not know. For two months, they took two different deductions at a time from my account bi-weekly. It has been at least $100 not to mention I had paid off $200 back in January. I have wasted so much money to this fraudulent company. Never again will I go online to take out a loan because this has been such a horrible experience.

They took 120 dollars from my checking account. One Click Cash is no good. Didn't authorize to take my money. I need my money back, I'm overdraft in my bank.

This is the biggest scam I have ever seen. I borrowed $400 in Dec. and twice a month, they have been taking out $120. Do the math. I have paid over $1,000 back to them and still owe? My documents said at the end, I will have paid back $520. Why am I still paying? I looked closer and I have never dealt with a loan company that automatically re-enrolls you and that will only let you pay $50 at a time. I want a lawyer before I have a lawsuit.

I did ask for a loan of $400, they have taken $ 240 from my account and now they say that I owe them $ 685. I called to ask for a number where I could pay off the amount and they could not provide that number. This company is a scam, they don't provide any number and then they say that they have a law suite against you. This is ridiculous. They are scamming innocent people.

I took out a loan with One Click Cash. Asked to pay it down every month, but after 3 months, they tried to pull $685.00 out at one time. They caused my house note to bounce because they were pulling payments on the wrong day! Now they've called me, threatening to put me in jail if I don't pay them back. My attorney says they are full of ** and cannot threaten you over a debt! House note payment bounced, I lost out on almost $1000.00 from this company that was pulling payments.

I need a telephone so I can call you as you continue to debit my account. My records shows that I have paid. Also at this time, there is no money in the account you are debiting. So, I am incurring overdraft fees.

This company is telling me that I have to pay $490 on a $150 loan. They went in to my account back in December 2009. and took out $75. Then in January 2010, I noticed on my bank statement that they took out $50 and the same day took out $75. So I went to my bank to stop payment. and the company still continues to take money out. I think this company should be punished to the extent of the law for false information they give about their company. I feel so sorry about other people in my situation.

I could not find a number to call this company nor was it printed on my bank statement. I finally got a number when my bank sent back the NSF check they presented to my bank. Just a friendly reminder, you will waste your time trying to talk to them. They don't care what they have done. The lady I talked to ** to tell me that my loan is $490 from a $150 loan I borrowed. Come on now, get a grip. Now exactly what do I have to pay them? Can someone please hep me out about this situation? I will be closing my account for this so called company to stop robbing the people of America. Isn't that called fraud?

I lost access to my bank account information due to a recent ID theft activity. I do not use electronic payments, cash everything, and I wanted to send my remaining balance by mail to One Click Cash. I was informed that they will not accept my payment by mail but by electronic payments. If my information was already compromised, I do not want to put myself in a situation where I may be compromised again. I will note that they refused the way I wanted to make my payment and tried to pressure me into paying. They do not even want to make their corporate address public if people want to make a payment. Their policy does not provide any concession if an alternative method of payment is requested. Do not do business with them. They are not fair and very rude about the policies. I hope that companies like this are outlawed because it goes against the basic principle of business-to-consumer relationships.

This company is a complete ripoff but they make their terms clear. One must simply read the contract. I have a loan with them, now that I can not wait to get out of. I borrowed $400 but in the end I'll end up paying about twice that amount. The key is to pay the loan down each due date, but you have to request it about 2-3 days before the payment is due and you can only pay down in $50 increments.

Example: I borrowed $400. My fee (interest) was $120. Unless you request to pay down your loan 2-3 days before the due date, they will renew the loan. Meaning, they will only deduct the fee and none of that amount will go towards the principle amount.

I requested to pay down $50 on my principle. Therefore, my total payment was $170 ($120 fee + $50 towards principle). Now my loan amount is $350 and my new fee is $105. My next payment is due 2/12/10. I requested today to pay down $50, so this payment will be $155 ($105 fee + $50). So after this upcoming payment, the amount due will be $300 + the fee which will be $90 I believe. I hope this helps. But still, it's a total ripoff. You just have to read the contract.

One click cash loan summary. Loan amount: $ 400.00; Finance fees: $ 120.00 $ 520.00. Total amount I owed: 09/10/09, Applied for loan (signed contract), 09/14/09, $400.00 deposited into my account. Payments (withdrawn from my checking account).

12/15/09 $155.00

My checking account was overdrawn for over one month. I was charged for overdrafts caused by OneClickCash debiting my checking. I had pay over $600 before I could close my checking and open a new checking account. The bank fees are tremendous (I have not yet calculated the total fees yet). Will the company ever pay me back the fees?

During these times of financial hardship, I placed a loan with this company for $400.00 on 9/24/09 and had it placed in my Bank of America account. During this period, it came to my attention that I had an identity theft problem with my bank so I closed the account, but not before paying off my loan with One Click Cash. I have five electronic receipts and I even received a letter congratulating me on paying off the loan. During the end of January, I received in the mail a statement from Bank of America that someone had tried to draft out $415.00 from my account. Then I received an email stating that I needed to pay that amount to One Click Cash.

I called them on Feb. 3, 10 to discuss this matter and told them I had already paid a total of $675.00 according to my email records. The gentleman on the other end was rude to me and told me I should have read the terms and conditions and told me that I owed them the $415, no questions asked. So for a $400.00 loan I am supposed to pay $1090.00? I fear that One Click Cash is ripping people off and there is nothing I can do about it.

Thanks for the loan guys. Now, I think I know how the identity fraud was happening.

One Click Cash gave me a loan of $200 with a payback of $260 (documented). They took $60 for four months, which gave me a remainder of $20. The following months, they took $110 ($50 plus $60), $95 ($50 plus $45), $80 ($50 plus $30) then $65 ($50 plus $15) totaling and excess of $330. I have tried to call but to no avail. Can you help me? These excess fees have resulted in overdrafts which at $37.50 plus $8 per day have created financial hardship and my inability to successfully pay utilities, auto loan and other valid payments.

This company is a joke and they are liars. No one I have tried to contact yet speaks English and the have ripped me off for four months now. I closed my checking account and they can rot before I pay them another dime.

They took too much money out of my account. They took $425 instead of the $300 that I owed them. So, they ripped me off!

No plan was taken out with this company. I have noticed on my bank statements where said company is taking out money twice in one day. The money they are taking out is not a consistent amount. I plan to cancel any transactions from my account to said account asap.

This was the second time I borrowed money from this company. The first time, I was able to handle them in a moderate way. But as of today, I still feel like I got screwed. This second time, I borrowed $300, and the payment amount was supposed to be $390. They took out $90 four times from my account and said nothing has been paid except those fees, when I called to check up on it. Total amount they took from me was $360 already.

I was tracking my bank activity, so I thought one more payment of $30 should be taken out. But when I spoke to someone to verify this, they said I still owe $495. So I argued with them, because from the first time I loaned from them, the rep told me it's $90 installment and then I should be done. Apparently, that's not true, so I get a harassment almost everyday and as many as 10 times a day.

They call my cell phone, send me emails, call my work, and so on. This was beginning towards the end of 2008 until now, and they said that they should charge me fees from then up to now and that I owe a lot and they are willing to settle for $495 which was the amount that they said I owed originally. They are really scam artists!

I have had a loan with this company for over a year. A check bounced. Fees started coming from everywhere. Half of my check this payday has been paid to One Click Cash, totaling almost $400. I faxed them a copy of my bank account, and attached an explanation. My biggest problem is that, it is very difficult to speak with a manager. They keep telling me that the manager is not in, and to leave a voice mail message. The manager called me back once, and I've left several messages. They are very uncooperative, and I am very frustrated trying to settle this.

jackie

I received a voicemail from John on my home phone stated I needed to return his call immediately regarding my account. He referred to my husaband and I by first and last name. John said he was in a position to help us solve our account issue. I immediately called him back. I have never heard of this company, have no debt, and instantly thought of identity theft.

I called the number above. No answer. They wanted me to leave a message along with the four digits of my social security number so they can access my file and better assist me. I hung up. I called again on Monday December 14. I looked the company up on line and got another number 1-800- and spoke to a nice gentlemen. He tried to find my "account" but could not by just my name. He needed my social. I refused. I am concerned about my identity and this companies unethical practices.

I took a loan from them for $250.00 and they went into my bank and withdrew $475.00 and refused to pay back

Took a loan 0n Sep 25, 2009 for $400.00, I started making what was suppose to be minimum payments of $120.00 and I paid four times Oct 16, Oct 30, Nov 13 and Nov 27 for a total of $480.00. On Dec 12, 2009 I log in to see how much I have to pay to finish this loan and I find out that I owe $520.00. I called the same day and they stated that those payments was only extension and not going to the principal, i replied i wish someone would advised me about that and they replied that that is in the contract I was suppose to read it because they don't go overthe account with the custumers.

I applied for a quick payday loan. I specifically put on my loan application that my paydays are on Fridays. This company have been taking my monies out on Thursdays, causing my to pay high N.S.F. fees for months. My checking account always have a negative balance due to this companys; high rates and greediness. The money was in my account on Friday morning. They still went ahead when I called and e-mailed to stop taking the money out on Thursday.

I got a call on Nov 9 saying that I still owed money and I asked how when they was suppose to have a 532 check to pay off. They told me they never received a check for that amount so and that pay off should have 520. Well I faxed over a copy of the 532 check then one click changed the amount and said it was 760 that was suppose to be the pay off. They keep riping me off and changing the amount owed.

This company overdrew our checking account to almost $500.00 what they call "pre-autherized charge" We had a stop payment on all ACH payments against this company who apparently has scammed many customers. We wanted to make payment arrangements, no repsonce just the overdraft in our checking account of over 23 years. Please people be ware. We were good customers until we had to pay our electric over the loan. We will still pay this bill but on our terms, with money orders. They are being reported to the BBB and the Attorney General of Neb and Ca.

they proise to send money into my checking acct. last week nov4 09. it came but they take more out or chuck out of my checking acct. help!

All this company wants to do is attack your bank account, they want you to be late for the same reason. They took from me $510.00 on a $300.00 loan which I paid back in 11 days, they claim that because I had 1 late payment my first they charge me $210.00 in fees plus what the bank charges. This company is a BIG RIPOFF now I feel I need to close my account so that they can't get more funds from me..I DO NOT RECOMEND THIS COMPANY.. THEY ARE STEALING YOUR MONEY ... THERE SHOULD BE A LAW AGAINST THIS TYPE OF BUSINESS....

I took out a payday advance for 350.00 on Aug.10th. Oneclickcash was supposed to collect $455.00 on aug. 31. They took out $105 on Aug. 31st. Then another 105 on Sept. 4th They took out another $105 on Sept. 30th and the last 105 on Oct. 9.causing my checking account to be overdrawn by 287.00.

I notified oneclickcash to find out why? They said I still owed 455.00 and that the 420 that I paid thus far was for late fees. I informed them that they were suppossed to take the whole amount of 455.00 on Aug. 31. oneclickcash told me that I would need to discuss with the complaiance dept. I have tried to reach them without any results.

However I was able to dicover that oneclickcash is in violation of financial code section 23005 originating excessive deferred deposits and transactions and failing to provide customers with notice. in violation of financial code section 23035 charging excessive fees. in violation of financial code 23036 violating the department code of August 6, 2006 to desist and refrain order.

Please help me get this resolved with oneclickcash. I would never have agreed to those terms. This company needs to be stopped from further abusing innocent people they lie to you on the phone. Thank you for taking the time concerning this matter. My check book took a downward spiral in the amount of 287.00 just in late fees. I have no recourse with my bank fees however, I do not feel I owe one click cash another dime.

i got a loan for 250 dollars and they have already taken out over 1000 dollars from my account and i can't find any contact information to this company. they first started taking 75 dollars bi-weekly from my account and then they took 125 ollars out and now they are taking 90 dollars out bi-weekly.

It is ridiculous!

Payment should be 50.00 each month, however this company has charged 105.00 and a 30.00 fee several times to my account causing hundreds of dollars in fees.

I received a phone call from some guy at One Click Cash. He stated that I owe them money. I asked when is this from because it was unfamiliar to me, he said it was from 2006! I said 2006?! I asked him to fax me over what documents he has, and he was very rude to me. I gave the jerk my fax number but have not recieved any information yet. I have no phone number to call, no address to write to. He told me that I would be getting more calls and then HE hung up on ME! Isnt that supposed to be the other way around?! LOL

I have since researched this company online and I know my rights as a consumer, I will try to get their number from the next person that calls me. I will send a letter (if I can get a fax or address) to tell them that they cant call me at work. Then if they ignore that,then I will log all the calls and sue them (if I can get to the One!) It just sounds like they are con artists, and I wonder just how much of a leg they have to stand on, I mean if this was from 2006 why havent they contacted me sooner? They obviously had my work number this whole time. Is that because they dont have a leg to stand on? I thought I heard somewhere that charging 300% interest was illegal? Whatever, Im just gonna give them the run around just like they do to us! I will never give them any money. I vaguely remember them, and if I felt I was done with them in 2006,then Im definetly done with them in 2009.

Account debited $75 for four weeks and $105 for two weeks and then a lump sum of $460 on 6th week with biweekly debits. The loan was only $250 with a $75 interest fee-total pay out to be $325. Closing my bank account.

I saw on my bank statement that I was being charged for a $400.00 loan that I did not apply for and did not accept in any manner. I called One Click Cash at 1-800-230-3266 and told them that I filed a police report for fraud and they ask me to fax it over to them at 1-800-803-9136 in which I did and then was advised to call back within two to three hours for status on the action that they would be taking to resolve this matter. I called back and to date, they debited my bank account for $120.00 causing an over draft in my account.

I informed them I would be closing out my account and they would not get the money. The individual on the other line said and I mean a direct quote "We will get our money do not worry about that" I said " Is that a threat" and she just said "It's a fact". I am so angry that I have to go through such hardship for something that I did not do.

I have been with my bank for a long time and I have never had any type of problems until someone corrupted the system and hacked into all my information. THIS COMPANY NEEDS SHUT DOWN A.S.A.P. and we all need to stand together and file a Class Action Suit to regain our money and self-worth. THIS IS THE BIGGEST CON I HAVE EVER ENCOUNTERED!

I had to close my bank account, call all my other creditors and advise payment would be late, I had to pay extensive fees, late charges and other charges that have incurred. I have to go to Social Security Administration and get my social changed and I am just overwhelmed with grief at this point.

I applied for a loan which I was approved for a $400.00 to be paid back Biweekly in the total total sum of $520.00

After calling a 800- number, I spoke to a fella called George who was not too nice. He then wanted me to give him another debit card number to pay an additional $50.00 and another $620

.00

To bring my account up to date.

He called regarding an acct from 2006, told him I have sent them a letter stop calling me at work he said he didn't care about the letter I told him I would report him said Fine also said he will continue to call me at work and have me fired.

wondering why took 90 out of my account

I took out a $250.00 loan in May, which they deposited in my account right away. They told me I would have to pay $325.00 back after interest. My wife had it budgeted in our bills that following pay period to pay the entire amount back, because that's been what we've done in the past with other loans. Well they only took a payment of $75.00, so naturally we figured that's what they would be doing until the $325.00 was paid off. Go figure, four pay checks later with a total of $300.00 already paid in the course of almost 2 months, we get an email saying our next payment of $125.00 is due on July 31st.

Naturally this did not sit well because I was under the impression we only owed one more payment of $25.00. So I gave them a call figuring it was a mistake. Nope they said that the $75.00 payments were only renewal fees and nothing has been paid on the loan. They said that if we were wanting to pay it in full we were supposed to send something in writting stating we wanted to pay in full (which obviously was never mentioned when I first applied for the loan.)

When I tried to get a supervisor on the phone to try and clear it up I was told there wasn't a supervisor available at the time, but they can put me on a call back list and one would return my call in 24 hours. 5 days later and still nothing. So before the 31st to make sure they couldn't take any more money out we had to close our checking account and re-open a new one. They weren't straight up with me in the begining and they just want to keep taking money freely, that ain't cool. I believe I paid back what I borrowed and some interest, minus $25.00 of it. They don't deserve anymore. I have read in the paperwork, which only consisted of one page talking about arbitration and crap, and no where in it says anything about these "fees" or "renewal payments" or whatever you want to call them. These people need to be stopped. When someone asks for a loan, it means they are in need of help, not to be ripped off and put in debt even more!

I took out a payday loan 7/5/09 for $200.00. On 7/24/09, they were suppose to take 60.00 out of my checking account. They called me on 7/29/09...5 days later to state that the bank rejected them from taking money out of my account. I called the bank and when they did the research they stated to me they had the wrong account number. I then told them this. Their people put the wrong account number down. They told me I had to pay a $30.00 return transaction fee.

When I filled out the application, I put the right account number down. All they have to do is pull the application because they have it on file with the correct information. They messed up and want me to pay for their mistake. I don't think so. They also told me to give them a visa or mastercard account number as they can no longer do an ach debit to my account. I asked why not. They can not give me a legitmate reason, so I will not give them a visa or mastercard account number.

As I am writing u this message, I made 2 phone calls to this company and they have not called me back yet. To date, I have been trying to get this straight so that I can pay them and this Russell keeps telling me that the supervisor will call me back. I am wondering how legitmate they really are because if a company is owed money, and someone is trying to pay them, wouldn't u return the call?

They keep harrasing me at work by calling me for payments when they have my cell phone number and could call me there. I have notified them by writing not to call me at work and that I am filing for bankruptcy and they continue to call stating they can until they have a case # or I make payment arrangements.

I appied for a pay day loan with One Click Cash and was approved with the understandment that I would only have to pay back a service fee of $75.00 on to of the loan amount of $250.00. They had taken 4 payments of $75.00 witch I though would leave me a final payment of $25.00 when I went to check my account it said that my next payment would be $125.00. With only $50.00 of that to princapal and $75.00 for another service fee. At that time I call them and asked how much is left on my loan and they told me that I still have not paid any of the loan all payment made had gon to service fees. So I did ask if I could pay my balance off as to not have anymore payment taken out of my account. we will see what happens. Please if there is any way to warn people from using this company in the future lets do it.

I took a payday loan from these people who call them selfs One Click Cash in Febuary of 2009. I did not recieve the 2 hundred dollars until March. Since then they have withdrawn $700 dollars from my account.

I borrowed $200.00 from One Click Cash back on 10/21/08 at which time they deposited $200.00 in my bank account. I have since paid them back $620.00 and they are still taking money from my bank account. I have wirtten to the company and they answered back, but I do not understand their reply. I am trying to send it to you. As far as I am concerned, I have paid the loan back with outstanding intrest. What can I do to get the over payment back?

Ap[proximately in Dec.08, I received a loan deposited into my checking account. They were to remove payments each month from there. They are still taking payments fro m my checking account and I think that they have been overpaid.

i borrowed $400 and i was going to pay them $120 in interest, and from my understanding was that they were going to take out the money in payments till account was paid off. a representative told me that they were going to give me payments for the next 4 pay checks and that they weren't going to take it out all at once,and they took out $120 from my checking and i had called to get the balance so i can pay them off and they told me that i still owe $520.

i was irate and told them that that wasn't what the representavie had explained me .....i was going to make payments till balance was paid in full..... i have a hardship and unable to keep paying them $120 every two weeks. i just don't know what else to do.....my husband was laid off and with my income are bills are more than what i make.

this company says that i owe them $252 on a 150 loan, the trouble is i did not take this loan out, i would never agree to barrow $150 to pay back $375 that would be insane. already this company has with drawn $175 out of my account and wants another $252 from me. the bank has frozen this account and now i have to pay $125 in bad drafts by this comapny i never heard of. they keep calling my work everyday and am on the hot seat about them calling

I took a pay day loan from One Click Cash and put in that my pay day is on the 10th of the month. They took they interest check out on 5/8 and messed up my checking account. I have informed my bank to no longer ACH to this company and would like a bill to be sent so I can Pay it off. Please maile to Kelley Sweenie at the address put in above.

I took a loan out for 150 and agreed to make pay back this loan with $45 as the interest fee. All was well until the automatic withdrawals from my account wouldn't stop and not only that but they would take out multiple withdrawals of various amounts on the same days. So the problem with all of us is very obvious, so what can we do about it? Is there anything? The only thing I know to do is close your account and prepare for all the harrassing phone calls. Instead of getting all bent out of shape and losing your cool with them(which is what they are trying to get you to do anyway so that you will get so annoyed that you will give in to their demands) try being delightfully sarcastic and just play phone games with them back. When they call, if you have time, just stay on the phone with them and start ignoring whatever they say and just start talking about something off the wall, just remember to keep cool. Don't give them the satisfaction of upsetting you or the control over you. Until something can be done just take it for what it is, learn from the mistake and have fun with them when they call.

and this month. I don't have there address. I was not able to take care of my bill with that taking out.

I borrowed 300.00 from this company and so far have been debited 500.00. This company said that the total payback would be 390.00 yet they continue to take money from my account, anywhere from 90.00 to 140.00 a month. There is no disclosure online telling consumers the fees, interest rate, or amount of time to be paid. I have paid every month on a loan that should have been paid off two months ago. This has put an economic hardship on me and my family being that they continue to debit my account.

the other day they said it was all intrest and that i have two 110.00 payments left.this is highway robbery.my bank thankfully is taking certain steps to help me.the way i look at it they can only get away with it for so long.people who are greedy and do illegal and unethical things only get away with it for so long.any help i can get would be appreciated.iam someone who will not take this laying down and will not give up!

I came across a loan company that takes money from you but does not give you loans. I faxed proof to the fax number they gave me to show them that they did not give me money. Every day they call me telling me I owe them 600,400. They told me they have several accts of mine that they sent money to. Now they will not stop calling since I faxed the proof. They get other companies calling me offering to send me 300 and wanting my acct number to get it processed. I changed my checking acct because they were taking $70 and $75 every two weeks from me.

One check I got around 300 they took that from me during xmas. or a big chunk of it anyways

I applied and was approved for a $300 loan over the internet in November 2008. From December to March 2, 2009, I've repaid $390. I received an e-mail two days ago stating that effective 4/2/09, my payment to be debited from my checking account is going to increase from $90 to $140. I called to try to get an understanding of why I still have a balance of $390. I was told that the $90 that I've been paying for the last 4 months was interest and finance charges and nothing was going towards the principle. In 6 more months I will have paid out approximately $1240 on a $300 loan which calculates about 400% repayment plan.

Inadvertantly, thinking that I would be coming to a close on repaying OneClickCash.com, I took out another loan for $300 from 500FastCash.com who I believe may be a similiar company if not one in the same which means I will be paying out another $1200. I am on a fixed income and was just trying to pay off some things with this money and now find myself worse off than I was before. Is there anything that can be done to this type of predatory lending that could help myself and other consumers who may be in the same situation as myself?

I like many others went on line and filled out the form then decided not to accept the loan and cancelled out of the program. I then seen an extra amount deposited into my bank acct. There is no ph# for these people and tried several times to get them to take the money back and with no luck. so far they deposited $300.00 dollars into y acct and are withdrawing over $590.00 with in 3 month period. i talked to my bank and the best thing you can do is closeyour acct and file a complaint. and thats what im doing.

I can not affordto pay for a loan i did not agree with. If they put the monies in my account the could have taken it out but instead they wont do that. So good luck to everyonethat they have prayed upon to make them selfs money in these hard economic times. Put it in wrightin that you want this loan off your acct t the bank nd send it certified mail. Good luck because im still fighting with them and you can have there ph# blocked from your ph and work phone.

I have had three times the amount of money taken out fo i loan i did not agree to. and I am gettig behind in my bills as a result of it.

Susan from Cary NC on 01/25/09 summed it up the best.

This company is such a scam, they have had me in tears for weeks now. I tried to call and pay it off today and was told that I can not use a credit card. Is this true? I just want this nightmare over and I want to pay this bill. These people are rude and abrupt and when you ask for further info they become even ruder. How did they ever get a job in customer service?

My loan was for $300.

02/12 they had taken $360.

The balance still due is $390.

They started taking money out of my account and i did not apply for the loan. They over drawn my account so now i can not pay my bills or make my house payment. I am a very ****** person i like to have the money back in my account or i will sue them.

my check was $537.00 and i checked my account at lunch and i had $324.00 and my wife took out $190.00 and then i went to the bank after work i only had a lum sum of $176 and i am not to happy.

I needed a loan of $250.00 I paid $75.00 the 1st payment then $50.00 for the next 2 payments now they are telling me that I owe them $550.00 for fees etc.. this is a scam! a low down dirty scam! they call me 6-10 times at work and even more at home there is no way im paying them another dime!everytime i pay them i owe them more!i have told them to stop calling me at work and they dont i have told them i would like to mail them a letter of the same thing per the F.C.P.A IN CT they are susposed to stop calling your place of work once you tell them to however they dont! i am going to see about getting a lawyer for this harrassment they made me owe my bank over $1000.00 for trying to take out money up to 8 TIMES IN 1 DAY!

I may loose my job because of them, I have lost my bank account, I owe more then i ever intended too ! all because they pray on people like me who needed a little help.

after reading the complaints from other people I like to offer to them the only way I have found to stop One Click Cash from taking money from their checking accounts.And that is to use the Electronic Fund Transfer Act(15 U.S.C. 1693(a) et seq.)The payday loan companies do not argue the transactions are not subject to any regulation, just that they do not fall within the provisions of the DDTL. They contend their business is regulated by the federal Electronic Fund Transfer Act (15 U.S.C. 1693(a) et seq.).

Consumers have the right under either federal law or industry rules to stop a payday lender from electronically taking money out of a bank account. This does not settle the debt but these rights help consumers stop the drain of repeated finance charges or bounced check fees while working out payment arrangements.

After you do this then go to your bank and ask them to give you a new bank account number( this step is very important). And the last step is to stay away from Internet loans

1. are using false and misleading statements to consumers in your rip-off internet payday loan company, in that you do not disclose to consumers that you are federally recognized Indian tribe organized under the Indian Reorganization Act of 1934 (25 U.S.C. 476). And that you can, and will, and have done, and will always claim the doctrine of tribal sovereign Immunity to bypass and thumb your nose at the laws of the state(s), California being one of them.

In this economic context, immunity can harm those who are unaware that they are dealing with a tribe, who do not know of tribal immunity, or who have no other choice in the matter, as in the case of tort victims. (Kiowa, supra, 523 U.S. at p. 758: see also Agua Caliente, supra, 40 Cal. 4th at p. 252.) 2. are using false and deceitful means to mislead consumers into believing your claim that you and your company do not have a physical mailing address, because you are a internet payday loan company. When in fact you and your company do have a physical mailing address which is noted above. You also have a physical mailing address of One Click Cash (aka. SFS,Inc.) Santee Sioux Nation Indian Reservation, Niobrara, NE 68760

tried to call got voice mail were closed please call back in these hours you try same messages

i want just to pay this off today

I noticed last month that my bank account was debited $45.00 at the end of the month, unfortunately I reconcile my account every week or two by calling the automated system and I just figured that I missed something. Today I went to reconcile again and I notice another debit of $45.00. This time I called the bank to inquire what it was for and they gave me the name One Click Cash. I immediatly went to the web site and could not find a phone #.

I am on a fixed income of social security disability and I have never recieved any cash deposited into my account by these people. I will admit that several months ago, I did look in these payday loans, but when I read the terms I cancelled and never went through with anything. And like I said, I never had anything deposited. I went to the better business web site and put in the information and somehow it lead me to this page, to which I found a phone # in one of the complaint letters (thank you).

I called them up and low and behold the have no record of me at all. Not by Name, SS #, or phone #. They dont know me but yet they are robbing a poor old woman blind. I spoke with my bank branch, and I have to go in tomorrow to file an affidavit of fraud, and open a new account. This means on top of everything else I have to change all of my banking information to the Social Security Administration, and all of my other creditors such as insurance that I have directly deposited and credited from my account.

These crooks have to be stopped. How can these people rob unsuspecting people like this and get away with it. They have no morals, scruples and dont care about the consequences it has on peoples lives. They should be ashamed of themselves.

First thing, was that it caused an overdraft in my account and a fee of $33.00. Not to mention all of the legwork I have to go through, going to my bank branch filing The affidavit of fraud, getting a police report. and having to open a new account, and all that goes with that, Did I mention that I am disabled and it is difficult for me to get around.

3

When I applied for the loan, I specified on the application that I wanted to repay the entire balance at my very next payday. Instead, they took a small principle amount and a huge ($75) fee. I called and was informed that I could not change the payment. This has been going on for months. Each payday (every two weeks) another $75 fee on top of the small principle payment. what started as a $300 loan for under two weeks, has become a multi-month nightmare repaying hundreds more than the initial loan amount.

I wanted to pay the loan in full on the first payment with one fee of $75. This was in early October. Every two weeks, as soon as my paycheck hits my account, Over a hundred is drawn from my account. I am simply going further and further into debt.

I applied with OneClickCash on June 15, 2008, and got a $300 loan the next day, with a $390 supposed payoff the following month. I guess I didn't clearly understand the entire agreement -- which was too lengthy to finish reading anyway, considering that I filed my application in a public library -- because the following month, only $90 was deducted each month till October. In November, apart from the $90, a finance charge of $50 was added.

This January, they got $110 off my account. In December, it was $50 plus $75, and so on. The total so far that they had collected from my account was $735. I was able to call them at 1-800-230-3266 and was told that I still owe them $195! I made a STOP payment posthaste and I don't really care about them making calls or emailing me. For a $300 loan, getting back triple that amount is unconscionable, considering the tough economic times almost everyone is going through (perhaps except them loan sharks).

I had just had my home foreclosed on, my wife filed for divorce, and my son was diagnosed with leukemia.

This company they don't explain the way that they give you the loan. I asked for $200.00 loan and now they are charging me $410.00. I went to the bank closed the bank account and open a new account. I called them to the above mentioned phone number and asked them to send me a bill that I will pay the two hundred dollars, the lady says that they don't send statements.

The damage in my account was that I could not use the account for several days. I told them that I will be paid the $200.00 but not giving them my bank information. I had read all the persons that have giving you complaint in regard to this matter and is the same thing that happens to me

I never authorized the loan I just checked out the website, started to fill in the form then closed out of it, they never disclosed and information about terms or anything, until I closed it out and a pop up window appeared, I did not go through with it do to the high intrest rate...but it went through,

now i get emails phone calls threating me that thet are going to take further action that will cost us both a lot of time and money. I iwll not pay for something that i did not authorized. That is wrong, what can I do now? Can they take my car? garnish my paycheck? HELP!

Stress, threats, rudness and calling my old work a least 3-4 x a day and they call my home about 5 times a day.

I received a letter in the mail promising me up to $500.00 if I went online and submitted my request. THis company asked me numerous questions then sent me to the website to apply for a pay day advance loan. I was approved for 300.00. In the application process, they do not list the terms openly and you have to find it on a page prior the applicationg page.

After reviewing the information- I saw the terms were 90.00 each payday and it will automatically renew your laon until PIF and this is for 300.00 only. I make over 42K a year and would think that I would have been approved for higher but wasnt. I decided not to go foward with the loan. This was done on 12-17-08 THEY SUBMITTED A DEPOSIT to my checking account on 12-19-08 and I never clicked on anything to say this was okay- after reading the terms- I was mortified that they charge 30.00 each 100.00 dollars-

I didnt know this was legal...now I am having to dispute this with my bank and it is affecting my checking account and they cant resolve for 5-7 days. I go online for OneClickCash and see that there is NO WAY to speak with a representative and notice that I am unable to resolve this in one day. I emailed them to reverse the transaction deposit because I AM NOT paying them any fees for their service that I DID NOT approve and so far no response.

Ive spent over 2hour with this complaint, disputing it with my bank, and trying to get a response from them. I have seen numerous complaints on this company and embrassed that I even would trust they would act honorably.

I received my monthly bank statement back in June 08 and found that One Click Cash had been taking $45.00 out of my checking account. I immediately went to the bank accounting office at which time I filed a fraudulent withdrawal and was instructed to go to the local police station (we live in a small town) and file a fraud complaint. I did as instructed and the officer at the desk made a call to the One Click Cash office and after telling them about the complaint, we were instructed to send them a copy of the complaint.

We did this and after numerous calls to resolve the issue One Click is still trying to withdraw funds from my account and as recent as 12-17-08 called my cell phone and demanded that I pay my loan. I told them that I received an email from them telling me that my account had been closed and that was that but the bank is still receiving statements from One Click to release funds from my account. I have since thrown away all correspondence with regards to this issue and they are still hounding me. The number I have is 1-800-233-6808.

I am constantly being harrassed and the bank officers are irritated with the company and have since changed my account number. I am glad I was only out two payments of $45.00, but they are repeatedly calling me and will not take no for an answer.

Due to an unforseen emergency I needed to borrow funds as quickly as possible. I was approved immediately for a $300.00 loan through OneClickCash.com. I applied on 8/26/2008 and it took them 2 business days to deposit the funds. Per their agreement I contacted them immediately to setup payments to start paying down the loan balance. It took them 5 months to start processing the pay downs even after repeated phones calls on a bi-weekly basis. They keep telling me that they apologize and they will get it corrected in their system right away. This has yet to happen.

It is now the end of November and as of 11/28/2008 I have paid the balance down $175.00 with a total in charges of $450.00. As it stands now I still owe $215.00 and was informed that they would continue to charge me $90.00 every pay period for their charges. This goes way above and beyong the $390.00 that my Loan Agreement shows that I would be repaying.

As a result, what originally cost me $390.00 has now cost me $645.00 and I am still not done paying the loan down. It is a scam and they should be stopped. Lesson learned on my part.

Around 8/28 I took out a $150.00 loan from One Click Cash after they had sent me repeated E-mails to try them. I was immediately approved, signed the on-line contract, and the money was deposited post haste. According to the loan documents that I read on-line, I would be paying $45.00 per pay period for a total of $195.00 total with the first payment starting on 9/18. They deducted $45 each from my account on 9/18, 10/2, 10/16, and 10/30, for a total of $180.00. According to my records, I should only owe then $15.00 more dollars. NOT ACCORDING TO THEM!!

On 11/13, which was my next and final (SO I THOUGHT) scheduled payment date, my direct deposited payroll check did not post as scheduled. Our HR dept sent out an hospital-wide E-mail informing us all of this. I immediately checked my accounts to find that there had One Click had already attempted withdrawal and now my account was at negative for the NSF fees. In any case, I immediately sent them an E-mail regarding the fact that my check was not direct deposited on the scheduled payday and to retry the following day. (At this point though I proceeded to make a phone call to them, and checked my account status on-line to find out what was happening). To my surprise it showed that I still had a balance of $130.00, which I thought by now should more like $15. In any case they had allready deducted $125.00 from my account, $30 for the check, and a $50 service charge fee, plus the usual $45 servicing fee. A total of $125. I called and spoke to someone who explained everything to me, not to my satisfaction. She informed me that my pay off amount would be $130.00. I paid it. I was so sick of their mess.

Afterwards I E-mailed them and asked that that $80.00 at least be returned since it was not my fault that the money was not deposited as scheduled. I have not received word on that yet and I am not holding my breath either. The bottom line is that I am out $435.00 from an original $150.00 loan from 2 1/2 months ago. If there is a class action law suit I would be most happy to be a part of it. Thanks for your time.

As if things weren't bad enough financially, this really put my children's Christmas' in jeopardy. That was $235 that I wont have to give them joy on Christmas morning.

I attempted to contact one click cash so that I could make arrangements to pay off thr loan and no one has contacted me since and they continue to withdraw monies from my oaccount.

I was overdrawn on my account two times and my lights were turned off as a result.

I recived 200 dollars that i paid back right away and now got charged 1200 dollars over the past 2 months this is an out rage.

my account is over drawn 700 dollars my son has no dipars my wife is threatening to leave me about to lose my house.

I had my car break down and needed a new transmission so I was frantic and needed the car back so I got a loan from them as well as 500fastcash which I believe is the EXACT same company under another name. I to was under the impression that once the payments were being made that it would begin to pay the loan down. So what ended up happening was that they both approved me because when I put in my income amount which at the time they were asking for monthly gross income which I entered 2000 which was without any taxes or insurance taken out so they put on the loan agreement that I was making 1100 per paycheck every 2 weeks which is double what I actually make after taxes and things.

I let them know this right off and they said no problem. The debits then began from my account. I then started getting into issues with them because between the 2 of them the 90.00 dollar payments were coming out then then the 140.00 dollar payments were coming out from both and nothing on the loan was changing. Still stating I owed the same amount. According to their own loan documents once the 140 started to be charged that was 50 dollars coming off the loan and that didn't appear to be happening. I sent the letter to them stating to stop debiting my checking account. Then finally after them running up 300.00 dollars of overdraft charges my acct at the bank was closed due to them. I have written to them several times and now I receive these emails from them almost everyday stating that if I don't take care of this now and pay them 585.00 in full or make some rediculous payment arrangement it will end up costing me a whole lot more with some arbitrator or something.

I don't know what to do at this point. I have let them know that it took me 4 months after getting their loan to get my car back and that was because of trying to pay them back which I cannot do at this point. They have caused me to be virtually broke at this point trying to pay back the bank and because of them other bills went behind and now I am being chased by several different past due accounts. They need to be stopped.

I have been in financial difficulty for some time now and it is only seeming to get worse. My gas service has been shut off at my home due to this company and trying to pay them and my gas bill. I am 1000 dollars behind on my electricity bill as well and my water bill is over 200.00. I am behind on soo many things now due to trying to pay for this when I was under the impression it would be done fairly quickly.

In the loan documents it states that I cannot file for bankruptcy but honestly I am facing that very soon if things don't change.

I have two payday loans one from One Click Cash and one from Ameriloan -- I believe they are the same. They debit my checking account four times every two weeks and say I still have a balance. I am having the same difficulty these people are having with this loan never getting paid.

I cannot pay my other bills as a result.

On 8/7/08 I received a 200.00 loan from One click cash. Which ends up being 260.00 after loan fees. Today which is 10/7/08 I pulled up my banking information and noticed they were still debiting my account. So I dug deeper and they have been debiting my account since 8/22/08. Now when I went on their website it said my next payment due is 110.00. Which could not possibly be correct.

I called the co. and the customer service reps were completely undertrained, disrespectful, and just rude. I was constantly referred to as honey and basically I've paid so far 240.00 in principle. What? I have not paid a cent on only a 200.00 loan are you kidding me. I am [upset] mainly because that is misleading and as a result of the 200.00 loan other co. have decided to debit my account for things i've never heard of like credit refinance and things of that nature. I have also noticed them using alliaces like MTE to debit my account.

I never know how much money I have in the bank because I never know when they will decide to debit it. They stop sending your x amount payment is coming due because I would've been contacted them. If the oney is not in my account I am getting charged nsf fees.

I called the co.and the customer service reps were completely undertrained, disrespectful, and just rude. I was constantly referred to as honey and basically I've paid so far 140.00 in principle. What? I have not paid a cent on only a 200.00 loan are you kidding me. This co. knows exactly what they are doing to rip people off and something needs to be done. I am ****** mainly because that is misleading and as a result of the 200.00 loan other co. have decided to debit my account for things i've never heard of like credit refinance and things of that nature. I am very upset to say the least and will sue them if there are any other problems. I have also noticed them using alliaces like MTE to debit my account.

I never know how much money I have in the bank because I never know when they will decide to debit it. They stop sending your x amount payment is coming due because I would've been contacted them. If the oney is not in my account I am getting charged nsf fees.

I took out a $300 loan with one click cash last year. I thought I knew what I was getting into. Just needed it long enough to cover living expenses to cover until a refund for money paid out for an auto accident was sent to me. Tme money was received 12 days after taking out the loan, and I contacted, emailed, and faxed Oneclick to take out the full amount and pay it off. Easy? Not quite. It took a lawyer and numerous calls to get them to stop debiting the renewal amount. And now the Illinois Att. General is investigating them becouse of other complaints. And I still get calls.

$540 in fees were taken out, though my bank has credited me for $360 since my bank rep listened on the phone when I told them to debit the full amount and end the loan. The bank issued me another account and closed my first one. And there is a notation on my account that if someone tries to locate my new account, that I or my lawyer have to be contacted. Plus the fact that electronic debits are banned on my account except for my debit card and online bill pay, If their collection agency calls, I just refer them to my lawyers number.

The original amount of the loan hasn't been payed, but they messed up when they didn't pull the loan out as asked. I don't count the first 2 fee's in my total becouse those I consider valid (1 for the first renewal, and one that was supposed to be on when they were supposed to pull the entire amount) Illinois is a state where there are only 3 renewals.

I took out a payday loan from One Click Cash on Augusts 6, 2008. The agreement between One Click Cash and myself was for my first initial payment of 90.00 was to come out of my checking account on August 19, 2008. Well on August 12, 2008 I received a letter from my employer stating that they needed to pay us one day later which would be Wednesday, August20, 2008.

So, when I received the letter I immediately called One Click Cash to let them know so they could change the date. The customer Service Rep said well because this is your first pay date you would have to fax over something stating that your paydate has been changed from Tuesday to Wednesday. After hanging up with One Click Cash I immediately went to the check cashing place to fax over the letter to them . They received the fax at 2:53pm on August 12th. Meanwhile, days have gone by and I am under the impression that everything is good because everything went smoothly on my end. I did exactly what they asked me to do.

So on August 19th I checked my banking statement just to make sure that after my arrangements no one tried to come in and get any money. Well, One Click Cash did. I immediately called One Click Cash to ask them why had they gone into my account when I faxed over the paperwork to them stating that I needed for them to change my pay date to August 20, 2008. The same customer service rep as the initial conversation answered the line and asked me for my loan id number and from that she said that they noted the account of our prior conversation on August 12th stating that the payment would need to be drawn out of my account 1day later but that they did not receive the paperwork backing that up. So I explained to her that I faxed it over at 2:53pm eastern time and that I still had the fax sheet showing that it went through ok. Now once the fax sheet shows that the transmittal was connected and everything was ok then one tends to believe that everything is fine and they received the information because I repeated the fax no back to the representative and also double checked it when I wrote it down upon faxing.

So my question to them was, Is that my fault that your company didn't receive it when I did what was told to me to do? The customer service representative answered saying that they didn't receive it and that I didn't call to see if they had received it! Flags went up immediately that because I had not called due to some other obligations that I had that that's the reason why they didn't change my due date. I drew this conclusion because all while I was talking with the customer service representative she kept referring back to the fact that I didn't call to see if they had received it.

I asked for her supervisor to call me. Around 3:30pm eastern time on August 20th a manager named Annette called me still saying the same thing as the customer service rep. making the conversation and the problem my fault although I did what they asked of me. I feel this company is out to get what they can from the consumer therefore I will be letting as many companies and consumers know that they are a rip off.

The consequence from One Click Cash coming into my account on the day I asked them to change was that I assessed a 25.00 NSF charge from my bank and the company, One Click Cash, also tacked on a 30.00 NSF to my account.

I first got a loan for $300, which was paid. Then I got on their website to look at how much they would lend me because I was trying to buy a car. I never clicked on anything, I never asked for a loan, I was just looking. The next day I had an extra $200 in my account. They've been taking $95 out of my account every two weeks since, and say I still owe them $295. I was told the $95 was a renewal every two weeks on the loan, which I never asked for.

I support myself, girlfriend, and two pets, on a $13 an hour budget. I have rent and bills to pay, not to mention food. We've really struggled these last couple of months.

this company fraudulantly went into my account recently trying to take $555.00. I borrowed $300 months ago. But they tried to take $900.00 so i had that reversed. usually the bank wouldnt let them back in my account but they did and i am [upset]. i am going to complain to attorney general

They have debited hundreds of dollars out of my checking account for a 300 loan! I need to find their phone number, but cannot! If anyone can help me, I would very much appreciated it. Thank you!

I emailed oneclickcash customer service on 5/21/08, as directed in my application, to let them know that on my next due date of 5/25/08 I did not want to renew. "Question: My next payment is scheduled for July 25, 2008. At that time I want to pay the loan in full and not renew. Since I am paying the loan in full it should be a total of $300.00, if I am correct. I will not be renewing so I will not have to pay the renewal fee, correct. Their response was as follows : " Dear T, Your current balance is $390.00. Your next due date is 2008-07-25 for $90.00. We have attached a link that will direct you to the Customer Service Website. You can view your account information, request to pay down or pay your loan in full. If you submit a request, please make sure it is done 3 full business days prior to your due date. Thank you, OneClickCash

I failed to realize that they were telling me I had not 1 but 2 attachments (one contained my password & log in) and I thought I still could not access the account. I failed to also realize they were telling me, my request was invalid and that I needed to contact them. I checked my bank account on 7/25/08 to realize they had only debited the $90.00. I phoned customer service (I use this term loosely) and was told that after 1201 AM there was nothing they could do that I had been charged another $90.00 so my pay off is still $390.00. I attempted to pay it in full at that time minus the additional $90.00 and they would not accept it. I was then told that we were not getting any where and they were getting off the phone. I called back and spoke with another woman who acted like I was a total idiot to think that my email was sufficient and that they have no responsibility to call me. I am responsible.

I asked to speak to her supervisor and she said Katrina would call me. I did received a voice mail from Katrina who I promptly called back and she was NO assistance but merely pointed out what an idiot I was to expect assistance from them and that I owe the money so expect to pay it. They would not waive the $90.00 so I could pay in full at the time of the call. I asked to speak to her supervisor, she refused this and after many requests from me finally gave me her name as Summer and said she was the manager, it was her decision to not take the $90.00 off of the account and that Summer had no one above her in the company. Katrina stated that Summer did not own the company but that she had ultimate say and there was no one higher. (I am a VP at my company but still get my checks signed by the President so I know this is not true).

I asked to speak to Summer and Katrina said she would not get on the phone. I also stated that I may be forced to close my checking account and contact arbitration. At this time Katrina said fine she was turning me over to the compliance dept. who would contact me in 72 hours. I told her NO, she stated that she was going to do that, she had been on the call 15 minutes and I would not understand what they situation was. I told her I understood that their company was only out to gouge people for more money and was totally unreasonable and unwilling to work with anyone. I had made the request and I also made the request for them to contact me if there was a problem and they had failed to do that. She said it was not their job to contact me it was my job to call them. I did record many of the calls and I did inform them that the calls were being recorded. They did not care.

I am so fatigued by the situation and hope that this place is shut down so that other people do not become a victim. I realize I did not manage my money well or I would never have applied. I also know that I should not be punished like this and that their claim of "Hassel Fee" is untrue and that you are making an agreement with the devil. I am sick to my stomach, have terrible neck pain and a splitting headache and still owe $390.00. I hope they are shut down

I went online to apply for a payday loan for $300. I had to pay back $300 plus the interest rate of $90. They started taking out $90 dollars immediately every two weeks. I received the money on 5-19-08 and have been paying $90 since then. When I checked my account balance it keep showing $300, then I called to see why my account have not decrease I was told that was only the past due interest rate. I did not understand because they were receiving payments every other week. I have paid $320 for a $390 bill that I still have owe #390 on.

I'm getting behind on may bills. $90 coming out of my check hard enough,but not like this

They called 5 times from 1AM to 3AM my time in CA. I closed my acct in NOv I believe because I didn't trust them now my bank think I am an idiot. I am a RN so naive but not dumb and single with 1 child with autism and with with another delay so I am not part of the rich and famous. please help

stress. took a day off in sept so upset when I had just started a new clinical coordinator position as a RN. I have 2 special needs children and a RN so I can handle alot but between them and debit from moving and medical expenses for special kids etc this was it.

I loaned $200 from one click cash and having to pay back $435.00 not even on top of the $200. This is criminal and should be stoped!

I was also the victm of One Click Cash, Also known as SFS, Inc . I did not apply for a $150.00 but yet they debited close to $300.00 from my account before I had to close the account. I have filed numerous complaints with the Nebraska Attorney General, Nebraska Dept of Banking, Federal Trade Commission , FBI and others. One Click Cash ( AKA SFS, INC) is located on the Santee Sioux Nation Indian Reservation with a company address Niobrara NE 68760. SFS/ONE CLICK has claimed it has been incorporated by the Santee Nation Indian Tribe.

The Nebraska Dept of Banking issued a 'CEASE and DESIST ORDER to SFS in 2007 to cease doing business in Nebraska, but SFS thumber their nose at the order In the State of Colorado a complaint was filed by the Colorado Attorney General. Miami Nations Enterpries ( DBA Cash Advance) and SFS ( DBA Preferred Cash) and now DBA ONECLICK CASH, have claimed that their companies were tribal Entities and thus immune from law under the doctrince of tribal Sovereign immunity, which basically means they are thumbing there noses at US and State laws. The case is still on-going, and the Court has issued arrest warrants. The arrest warrants have been stayed pending appeal by the MNE and SFS.

I tried to email Tribal chairman to assist me in trying to provide info on SFS, and complaining that the actions of this company that is within his jurisdiction and control were illegal and unethical, but of course he refused to answer. I intend to contact news media sources and my members of Congress in an attempt to stop these illegal actions and I encourage all of you who have been victims to do the same. The Bureau of Indian Affairs refused to return my telephone calls.

I too have had issues with one click cash. Nearly 2 months ago I recieved a loan totalling 150 dollars from them and have paid to date over 200. I am reporting them to the Better Business Bureau.

I've never experienced anything like this loan co. It should definetly be shut down. A person borrowing $300. will be paying $900 at least. With them the financew charge is 1260%. That should be outlawed.

i never received a loan from u and u are trying to take money back from me i don't think so u are a scram and better stop it now

i am having bounced fees now never got such money

i tried f time to to contact one click cash becasue they were take 90.00 out of my chck account every other friday. When I finally got some one on the phone which I had to get their phone from my bank I was told I own 390.00. Even though I was told I would be paying 90.00 every other friday to pay toward my balance.

Now that checking account is in the negative by 850.00 250.00 dollars in NSF charges. No one from one click cash will call me back to refund my money. the customer service I spoke to was rude hung the phone on me twice. I requested to speak to a manager. She told me I she was the manager. I knew it wasn't true becasue her voice was the same with a strong southern drawn. I need help I have paid this company over 800.00 dollars. this is unfair and unethical

All these are scam artists. They have racked my account to over 700.00 overdraft and I am ticked now. I am on disability and they totally took advantage of us all. Don't get payday loans on here yall, it ain't worth it.

I took a payday advance out with these people and another company earlier this year. I wanted to sign up for credit couseling to put the bills on there that were not able to go on my bankruptcy, student loans, etc. I was going to place One Click Cash on there and I have. They keep calling me and calling me five or six times a day. I just had a phone call from their office telling me they don't accept credit counseling agency. I was even told by the State of Ky Office of Finance that I would not be held responsbile for my bill because what these payday advance companies are doing are illegally practicing in the state and they can get fined by the state.

I applied online and was approved for a $300 loan. Someone from OneClickCash called me at work and verified it is my valid work number. I asked how much money I will owe OneClickCash including the interest. The amount was $500 and I agreed on that.

My next payday, only $90 was taken out of my account and the same on the following 3 paydays. On the 5th payday $90 AND $50, which made a total of $500. I was relieved because I thought my loan was finally paid off in full on 10Jan08.

On 24Jan08 my account was charged $50 and $75. On 07Feb08 my account was charged $60 and $50. I did not notice the charges until 11Feb08 when my account was overdrawn with outragesous insufficeint fund fees. I disputed any charges that exceeded $500 through my bank. I got my money back and blocked OneClickCash from charging my account.

After that I received a phone call from OneClickCash saying I owe them $500+ and they need to collect the funds from me. I did not want to hear it; for one, the amount I appearently owed was high and second, I had insufficient fund fees on my account. I went into it with the lady that called and hung up on her. She did not explain anything and only said you owe us $XXX and I am trying to help you.

Before disputing the charges, I tried contacting OneClickCash by phone but whenever I called they were closed. I tried different numbers which I would get from recordings when I called them with the original number I had for OneClickCash. On 31Mar08, there was a preauthorized check charge in the amount of $525 on my account. Since it was a check unauthorized charges was not an option and check fraud is also not an option because I did give them my account number. I called OneClickCash (got the number for them from my bank) and tried to get my money back. I was nice about it and ended it with You owed us that money. Your account is now paid in full.

On 01May08, I had a voicemail from an unclear name from OneClickCash. When I returned the call, the extention did not exist. I spoke with another representative telling me that I owe them $500+ again. I do not know what to do, I refuse to send/fax anything to OneClickCash to prove, I already paid the $525 on 31Mar08. I do not know how to prove that I spoke with someone who said that my account was paid in full. This was crazy! My account is overdrawn still and I cannot close it until I pay the money back.

Insufficient funds that lead to late payments for my other bills. Time consumed during work hours to try to get a hold of a OneClickCash representative almost got me fired. I do not know how OneClickCash influences my credit history but obviously not in any good way. I am stressed out AGAIN over this OneClickCash.

Well I been trying to resolve my bill and explained to them that the account was under investigation because there was information stolen and they had to freeze my account been trying to resolve this account since day one. All I get is rude and harassing agents calling and they often hang up on me,they do not let me speak and say there are going to keep calling until they get an amount of 505.00 but they also gave me this address and my money order came back said address Unknown . They will not give there Names. And I feel that this could be a damage on my credit report.

The Company mentioned above will not work with me they would not put there supervisor on and said there was not one on the floor. They also said they where going to garnish my wages which I know it is illegal. As a credit Collector in the past I know that they have to give you there name and they refuse to do so. So I would like them to stop calling and harassing me if you could help it would be gladly appreciated

i am plaining to purchase a house, and by them not cooperating will possibly damage that. i have had to change my number, they call 2 to 3 times a day

I owed oneclickcash.com $390.00 and the debited my checking account a total of $420.00.

Additionally, one click cash placed money into my account, yet, did not send me an agreement. The one click was a pop up window piggy backing off of another company appearing to be one in the same with the original lending company. Fortunately, the original lending company has better practices.

I was unable to find contact information on the internet. I contacted my bank and after lengthy inquiry, I was able to find a telephone number for them. The terms were not agreeable for me. I spent much time getting the money returned back to the lending company...one click cash. This was done with the banks help. One click cash would not represent payment terms. Upon returning the cash loan to them, they have recently debited my account an unagreed upon amount and were told not to debit my account any futher. The bank warned me that these types of lenders will attach themselves without permission. I will be closing the account, and, reopening a different account.

120 dollars fraudulent check charges and 70 dollars overdraft fees

Could not buy drugs needed for husband and cost several hundreds of dollars in returned checks.

Since I already sent them $390.00 they keep on deducting money from my checking account $480.00 more since I sent them the $390.00. I have cancelled my checking account,but now they are trying to ruin my credit sometimes needs to be done with this company,I already paid the them and I have the proof.

They drafted my account so many times that they over drafted my account for $800.00 I had to shut my account down and now I cannot afford to pay the bank. Because of this my credit score is horrible and they still continue to hassle me everyday at my job. This is making me literally sick.

I was out of work for 1 week due to my diabetes and hypertension and other medical problems. I received several emails from payday advances and went with Oneclick. I was contacted by the company because I never completed the application process. I talked to 5 different reps before I decided to go through with the pay day loan. I was told by all 5 reps that 90 dollars would be drafted from my account biweekly until the $390.00 ($90 was suppose to be the interest) was paid in full.

Something just didn't feel right so I called on Jan 17th to reverify the info I was given and the rep stated She saw a payment of $90.00 that would draft out on Jan 18th that would reflect on my balance. I still had a unsettling feeling so I called on Jan 29th and spoke with a man and he stated I haven't even started paying towards my balance of the $390.00. I informed him of my 5 conversations with reps I spoke with before the transaction took place and he stated there were no notations showing I spoke with 5 reps. During this conversation I advised the rep that no funds should be from my account and I would mail in the $110.00 to payoff the account. He stated he couldn't stop the transaction and he would fax me a form. He then went on to say very rudely that he didn't show I spoke with a rep on Jan 17th.

I ended the conversation due to my medical condition and called my cousin who is in law school. Thus on Jan 30, I called the company back and spoke to yet another rude lady that stated I hadn't paid a dime towards the $390.00 ($90 of it interest). She stated that the $270.00 that has already drafted was interest! By now everyone in my home was listening to this conversation or FLOORED. If I had known that One click Cash was so misleading, I could have paid them back in FULL the same week I borrowed the $300.00. Pay Day Advance Companies shouldn't be allowed to take advantage of the consumers with such bad practices. Thus I have decided to report the company and try to began a Class Action lawsuit. The Never Mentioned Service Fees and are Not licensed.

I, too am a victim of One Click Cash. I read all of your stories, CLOSE YOUR BANK ACCOUNT, and write them a letter. Their contracts are not valid no matter what they say. Yes, we did borrow money, but they are not allowed to violate any law. They claim they are held to California law or any other law, but they are not. The more who complain the better.

I am broke.

I took out a pay day loan and I was confused by the contract so I thought that the 90 dollar charge per month went toward the loan from how I understood it and they used the phrase renew the loan to mean they would extend my loan and charge a finance chrge of 90 for every month the loan wasn't paid in full, but that wasn't what was stated. they used the term re-new which I enterpreted to mean start over. that my initial loan would be started over every month menaing I could receive 300 dollars on top of the initial loan but that isn't and wans't the case so the 90 dollars a month that I have been paying is just finance charges it hasn't went towards the loan at all so I owe more than I originally borrowed. which is definetly unethical and unfair.

I think there contract was written in such a way to confuse a person taken the loan so that they would end up paying more money in the long run. I would really appreciate getting help with this if there is any help available.

Now I owe more than my original loan amount and I will still be forced to pay them back $390 plus what I've already paid out. which would put a financial strain on me.

Obtained a payday loan with this co for $350 in April 07. I have made payments of $105 for a total of $315 since loan was received. On 6/14/07, due to fraudulent activity & unauthorized debits from my checking account, I was forced to close my checking account.

All payday lenders,(total of 10 - Ameriloan, United Cash Loans, One click Cash, 500 Fast Cash, Payday yes, MTE financial, Cash Advance USA, Ambassador Financial, national opportunities limited and United Capital Credit) including this particular one were notified.

On 6/19/07 I was contacted by Sherese and told that in addition to the $315 I have already paid for a $350 loan, that I still owe a balance of $560, which must be paid in 2 payments.

Due to amounts of amounts of over $900 being debited from my account every two weeks, I am unable to pay rent on time, late on car payments,unable to buy food, gas and other necessities. I acknowledge the debt, and am willing to pay, but need more satisfactory arrangements and credit for money they already received. Can you suggest someone that can help me with this situation? I have not contacted the NYS Attorney general's office as I was trying to make satisfactory payment arrangements myself. They are not cooperating and in the meantime, they are continuing to accrue finance charges.

in takeing 3 payment at a time out at once my account has been severaly over drawn with the over draft fees seems my account is always -$500 all the time i have paid twice my loan and there is no ending

I borrowed 300 dollars from this company and was told that I would be paying 90 dollars interest. They proceeded to take 90 dollars out of my account every two weeks (180 dollars a month) until they withdrew the total of 390 out of my account. They say that at this time I was into pay down. when they tried to debit another 90 dollars the payment bounced. I called them to let them know that I couldn't make the payment that week and was told that I had a problem because I had agreed to making the payment.

They then debited a 30 dollar charge and another charge for 140 which they say was the pay down of 90 + 50 dollars. Those amounts bounced too. I called again and explained that I was having difficulties making ends meet that month and too stop the debits. They said they couldn't stop them because they were automatic. I placed a stop payment on their debits because I had been charged 125 dollars in nsf fees from my bank. they they proceeded to debit my account for what i was told was a garnishment for the amount of 585. It bounced of course because the funds still were not there. I had to protect my income from these fees so I stopped payment.

I called the company to find out what this 585 amount was and they told me that it was the amount i owed, plus late fees. This would mean that I am not into this company for close to 1000 dollars for a 300 loan. I tried to make a settlement arrangement with them but couldn't not meet that obligation due to continuing financial problems.

It would seem to me that these companies should have a limit on what they can charge consumers and when a consumer calls in to explain their difficulties, they should stop the late fees because they will never get paid if the consumer doesn't have the money.

I heard that there was a law in california that prevented these payday loan companies from lending more than 255 dollars. When I confronted them with this information they told me they were not under that law because they were in nebraska. Is this true?


I am truly stressed out about this and being that I have Fibromyalgia and am on Social Security disability, I don't need the added stress to my body.

I can't afford to repay them any more money.