Payday-Loan-Yes.com

About 2 weeks ago, I got a phone call at work from a person named Marina. She said that she was going to send someone out to my job to serve me with a warrant. She was very nasty over the phone. I will never never do business with Payday Loan Yes again.

I had only missed one payment and I was harassed by Marina. The way they do business is unprofessional. Something really needs to be done about this! Then Marina told me that I could get another loan, I told her she was crazy. Then I asked her if I could speak with her supervisor and she said that she was the supervisor. I asked if there is no one else I could talk to and she said no and started to call me out of my name. If I knew where she was, it would have not been nice. I see there are a lot of complaints.

I have an outstanding account with Payday Loan Yes. Due to father's cancer diagnosis, my finances got behind and I contacted the facility to make arrangements on my account. I made the first payment as advised but had to revise the arrangement. Payments were drafted from my pre-paid credit card on a weekly basis then to bi-weekly. I received a call on my job and advised the representative I was not to receive calls at work while speaking with them on the phone as well as by way of email. The rep was very unprofessional and talked down to me. I accessed my prepaid account and emailed documentation showing payments were being drafted from my account over a six week period. He called me back after reviewing email and asked for another contact method and I told him email.

A couple weeks later, there was a message on my desk written by staff members. My supervisor called Payday Loan Yes and advised them of the no personal calls can be received and not to call the office again. Two weeks ago, I get another call from their office about the same loan that I had been paying, advising no money was available but it was. I added $120 to the card for their $60 payment and the other $60 was for me to use at a later date. The next day, I accessed my card to see they pulled two $60 payments from my account at one time without my permission. Of course I called and no one returned my call.

Last night I added $40 to my prepaid card because they had a double payment without permission two weeks ago which would be a total of $100 as agreed in the payment arrangement. About 30 minutes a call was transferred to my office with you know who on the phone, Payday Loan Yes. This is not fair and is hindering me from doing my job in addition to calling all over the building I work in trying to locate me. I have given them my home number and email address because of the no phone call policy and they still keep harassing me.

How has all my personal info and he's debited out of my bank account for $815.00? What a scam and I'm trying to get my money back. This is fraud! Why people have to do this?

They try scare tactics to get you to pay. I was unaware that North Carolina has a no enforce and payday loans are illegal. They called me today pretending to be a law office in my county and mentioned calling the sheriff, taking me to court and I might have to pay $4000 for $300 loan. Yeah, right. I'm glad I saw this site. It bothered me at first, but now I'm just mad. I don't take too well to threats. I'm about to file several complaints with this company starting today!

Pull out an loan for $300 and $350. Never told me there would be an additional $90.00 fee per week on top of the loan. Never told me they would charge me an additional $90.00 fee on top of the short term loan and pay day loan each pay period. They are charging you a short term loan and the pay day loan fee. So far they have deducted $1085.00 from my account.

Fraud, not even a one star, "1/2" star, they overcharged me an additional $525.00 after I made a full payment as required. They need a class action suit.

I didn't ask for the loan. I used about $7 of it, and I felt obligated to pay. The loan was for $350. Now, I have to pay $950. It was fraud. Please do not use this company or you will be defrauded too.

Please go to the site, Payday-Loan-Yes now and like and share! We can do this!

Something needs done about this! We are in the same boat! They are a fraudulent company! Let's get them shut down! I am starting a facebook page and we are going to sue them! Add me to facebook and when my page is up and running for "Close down Payday Loan Yes". You all need to like it and post! I have an attorney who is willing to take the case if I can get enough people on board!

On July 27, 2011, my wife, Penny, had applied online for an loan of $400 at Payday Loan Yes website under my name of Eric ** as I am the head of the household. We faxed to Jackie ** per her request for copy of my pay stubs. On the same day, we changed our mind; we emailed and faxed to Jackie ** at Payday Loan Yes requesting to cancel it. She ignored our request for cancellation.

On July 28, 2011, we received an email from Payday Loan Yes stating the loan request is approved and asked us to sign the contract. We never signed it nor signed it online. Again for the second time, we emailed Jackie for cancellation but she ignored it. We called her and left the message for her to call us back. She never did.

On July 29, 2011, we went to our bank account online and noticed Payday Loan Yes automatically deposited $400 into our checking account. Again we emailed and faxed to Jackie for the 3rd time for cancellation but no response from her. Payday Loan Yes started automatically deducting $120 from our checking account every other week. The dates they deducted the amount on: 8/12, 8/26, 9/9, 9/23, 10/7, and 10/21. On 10/21, they also deducted $50. Altogether it added up the total of $770.00 that Payday Loan Yes deducted.

On Oct 22, 2011, we emailed to Payday Loan Yes asking for what the final remaining balance was as we were going to close our checking account by the end of the month.

On Oct 24, 2011, we received an email from Kelly C at Payday Loan Yes. Kelly C. said that we owed $455. and it will be deducted from our checking account on Nov 4th. Kelly also stated that if we want to pay it off by Oct 26th, then its only be $350. We were surprised by the amount we owed even though we already paid the total of $770. We responded back to Kelly and asked her to go ahead and deduct the full amount of $350 from on Oct 26th.

On Oct 27, 2011, we went online to check our bank account. Payday Loan Yes did not deduct the amount of $350. We searched on the internet about Payday Loan Yes. What we found was that this fraudulent payday lender has bad reviews from BBB and other consumer organizations with many complaints. We realized afterward that we were taken advantage of by this company.

On Oct 28, 2011, we went in person to Chase bank and requested to put a stop payment of $455 from Payday Loan Yes and close our checking account. We finally closed our checking account with Chase hoping this will solve the problem.

On Nov 11, 2011, we received a message on our phone voicemail from Jodie at Payday Loan Yes and she stated they were unable to deduct $455 from our checking account and they asked to return their call. We called her back in the afternoon. Due to the different time zone, their business hours were closed.

On Nov 14, 2011, we called Payday Loan Yes and spoke with a lady named Jodie. Jodie said we still owed $467 as the remaining balance. We asked her why, she said according to the signed contract, it's for paying the principal amount of the loan. We asked her if we can mail the money order check directly to the company in Utah. The reason for this is so we can keep our new bank account private. Jodie said no the company is not located in Utah. We asked her where can we mail it. Jodie said she will not give out that information and that they prefer we give them credit card or debit over the phone. We knew if we gave her that information, we'll be back to square one where they would deduct as much as they want. We asked her if we can think this over before we make a decision. Jodie said harshly that she needs it right now.

I got in contact with HR and my supervisor through my employer to fill them in on the situation. They will try to block the company as best as they can.

On Dec 14, 2011, my co-worker, Mary June, received a voice mail message from Payday Loan Yes. It was a lady named Katrina in a legal department at First National Services. She left a phone number for me to return her phone call. I returned the phone call to Katrina. That phone number was from Payday Loan Yes. I spoke to Katrina. The first thing she asked for was my social security number. I told her I'm not about to give that over the phone. So then she asked for my employer's phone number. I gave it to her. She told me how I still owe them $487. I told her that we paid all that money up. As a matter of fact, "you guys even took $370 more than what you guys asked for!" I asked her how we could owe that amount. She replied how they charge $120 every week in interest. We have all the documentations that proved we paid. She refused to listen or cooperate. I hung up on her then.

On Dec. 27, 2011, my boss, the Chief of Engineering, David Gault, contacted me. He received a message on his voice mail stating how I might be getting a subpoena with a court order from Payday Loan Yes to garnish my wages. Both Penny and I were stunned that they would go this far. We tried to get in contact with Deb at WA State Of Financial Institutions. She was on vacation and won't be back until Jan. 4th.

I recently made a payment arrangement with a payday loan company and made three payments and missed one due to unforeseen circumstances. I owed them $111. They deposited the full amount of the check. When I called, I spoke with Renee and she said, "Oh, you can rewrite and we have a refund for you." I told her I don't want to rewrite but I want my refund. Upon arrival, she quickly gets on the phone and calls someone and begin asking how to process the refund. I asked her how it is she can take out the full amount considering I only owed $11 and she told me they do that all of the time. If that is the case, "Why is it you didn't know how to process it?"

The I spoke with corporate and I was told I signed that in the payment arrangement contract. I politely informed them I did no such thing because I wasn't the one who took the first play me up there. He then told me he would have the division manager Kathy call. She called me 10 minutes later to say they don't offer payment arrangements in Alabama. I informed her they stole my money out of my account. I owed them the $111 but when they took more than what was owed. It was theft. She said she was sorry I felt that way and they don't offer repayment plans. I just need to know are your actions legal?

I called and spoke to Tim ** in regards to a name and phone number of a collection company where I needed to get a payoff letter. He was extremely rude, he called me an ***, *** and ***. I hung up, called back and and explained what just took place and one of the representatives said, "We'll see you in court ***". I don't understand how this business is still around. I've filed complaints with the Federal Trade Commission, Better Business Bureau, Attorney Generals Office and the State Banking Department.

Nothing has been done. I get responses from "We will take the complaint", "This department does not handle these complaints", "Ignore their calls", "We are unable to locate the company". It is your job to take care of these situations. This company should be gone by now. How can you ignore someone that harass you at home, work, or when you are sleeping. Get rid of them, look at all the complaints they've had. Seriously, do something about this.

Payday-loan-yes is not licensed in Colorado. They are saying they can write loans anywhere they want and are not liable for individual state laws and licensing requirements. That's interesting as hidden in their own website is a statement that they cannot make loans in Colorado. I was advised that payday-loan-yes is going away and had been purchased by USAcashexpress.com. This is misleading as USAcashexpress has been owned by the parent company of payday-loan-yes all along.

These people are very rude, and when I talked to a supervisor, he said, "that's just the way we are". When I asked if they are licensed to lend in Louisiana, he said, "yes we are". I asked him to e mail me a copy of their license and he told me that by law, they have to charge $35.00 to be able to send that to me. Is this true?

I have been receiving harassing phone calls after applying for a loan from this company but I never received any money nor did I ever complete the whole application process. This morning, I receive another threatening message on my answering machine and so I called the person back and upon doing so, I find out that this company is now taking me to federal court and pressing charges against me for fraud. When the guy explained to me that it was Pay Day loans taking me to court, I then questioned how can you take someone to court for funds that were never received and that I never even received not even one bill from this company nor did I even complete the application process.

I got at least one minute of silence before he continued on about how they weren't looking to recover any of the money but are pressing criminal charges in the federal court against me and said that someone would be by my mailing address and/or my place of employment to pick me up and bring me to the court house. It's kind of funny when he said my place of employment, because if he knew what he was speaking about, then he would know I am disabled and receiving benefits.

I just need as much help now in proving they have bogus practices and that something will be done about this because his is causing a serious problem in my life now. I am already having a tough time of which they are making ten times harder and more stressful.

Payday loan, yes, deposited 350 into my account, they were authorized to take the amount loaned back on a specific date. That wasn't done, a fee of 26 dollars was charged now. I have overdraft fees of 362 dollars more than the amount of the loan. All 26 dollar transactions, late fees and charges, I left several emails, several phone calls. I have been hung up on by numerous people. They are fraudulent, and are getting out of control. I see three charges in one day from this company on several different days, what am I to do?

I received a loan from Payday-Loan-Yes. I requested $250, they deposited $350. When I called they said it was too late to change the amount. I have attempted to pay in full on my last two paydays, but they have not taken out the full amounts and keep charging me a finance charge. I have e-mailed several times, along with calling but have not received any response by either e-mail or phone.

I only owe $65 and they still will not take the full amount, I keep getting notice that they will be deducting the finance fee when I have asked specifically to deduct the full amount so I can end this nightmare! I just e-mailed them again giving them a 7-business day notice to pay the loan in full on 12/19, even though they only require a 3-business day notice.

I will never use them again! Their customer service is horrible. Their fees are outrageous and I do not know how that government allows this to continue to happen.

I was in need of cash and they popped up on a search, so I applied and got $300. I did not check as I had been told by many people that only lenders licensed in Colorado could lend even online. It was not until the first payment that I realized (my fault) how horrible their fees and charges were and what the money would actually cost me. I contacted them and was told that the disclaimer at the bottom of my loan documents superseded any licensing and limits of the state of Colorado.

I offered some form of compromise as I had borrowed the money and was willing to actually pay more than Colorado limits, but they are not talking. It is interesting that while I was digging through their website, I found a disclaimer that they cannot lend in Colorado. Anyway, I have placed an extended stop payment on them with my bank (cost me $31), and gave them one more shot at coming up with a compromise. If they don't respond or stick to their terms, I will fine with the Colorado AG and be done with it for now. It is a shame as they were easy to deal with originally. Well at those fees they can afford to be. End result is I was dumb and made a horrible mistake going to them.

I actually took out a loan with Payday-loan-yes.com and it was completed and I got my funds. I just found out that they are not licensed in Colorado and are not compliant with the cost guidelines for Payday-Loans in Colorado. They are actually crazy high. $150 per $300 and you need to pay more on top of that to even touch the principal? Here is what Colorado allows: 20% first $300; 7.5% of amount loaned in excess of $300. I have not heard back from them and simply want them to adjust to what is acceptable in the state. I did get the funds and will repay. If I don't hear from them by tomorrow, I will contact the state and have been assured they will deal with them harshly.

Earlier this year, I was desperate for funds because someone else had stolen almost 4 hundred dollars from me in March. I contacted Payday Loan Yes to see if I could get assistance. It was approved for a 3 hundred dollar loan. One payment was made on the loan. However, they've been deducting from my bank account ever since and still are. They have been garnishing my Social Security disability payments and this month, they took twice as much out of my bank and my rent payment check has not yet cleared the bank, and there are no more funds for it to clear, it will bounce and I will be evicted, and end up homeless.

I have contacted them and no response back. They only want an executive settlement. Garnishing a government check is against the law. I am also deaf.

I just have a question. If all of these people are having problems with Payday-Loan-Yes.com, why are they still being allowed to do business? They should get fined and their business shut down! Please help us. We are people down on our luck and to top it off, there's company taking advantage of people like us.

I inquired about the loan and submitted the required papers. I tried going to the e-signature for processing, but it didn't go through and I did not get a response approving my application. After going through the internet and found out that there was a complain, I immediately cancelled my applications. Now, I have a $350 deposit on my account and a $10 processing fee charge to my account. I called them to remove the deposit and to put back the $10 processing, but they told me that it could not be done.

I was looking online for pay day loans when I found Payday Loan. Yes, I started an application and sent them my documentation. When I got the acceptance letter and saw that they wanted to charge $150 for a $300 loan, I refused to sign the loan and found another company (moneymart!) two days later $300 appeared in my account as well as a $10 service fee. I called and had them send me a form to cancel the loan (that I never signed for) they did and withdrew the $300 though the $10 charge remained.

Today, when I called to inquire about the $10 fee, they told me it was for processing. When asked where they informed me about a processing fee, they said it was on the form I was sent (the one I never signed). When asked to be sent a copy of any proof they had of me approving this fee, the supervisor Danni yelled at me and hung up.

They harass me at my employer, call my cell phone, threaten to garnish my wages and have me arrested. I had received an online payday loan with them in January 2011 and after a few payments, I found out they are not based in the US and are out of the Bahamas. At that time, I emailed them and revoked any authorizations and reported they stop all communication by phone and they still contact me.

In April of 2011, I was researching loans online and came across PayDay Loans Yes. I was asked to submit documentation and personal information and they would contact me and let me know how much I was approved for, what the arrangements would be, etc. ect. All of us who have been completely ripped off by this company can understand where I am coming from.

Well, just so happens in several day I see $400 in my account online. I never received, and still to this day have not received, any paperwork or signed anything agreeing to have money placed into my account or to have them withdraw money from my account. About 2 weeks later, I had $120 taken out of my account by this company so expected there would be about 5 payments... so they make about $200 off the loan. Wrong!

Each week, $120 came out of my account and on the 5th payment, I was relieved that it was finally paid off! Wrong again! One week later, as it had been the 5 weeks before, $120 came out of my account again and another transaction for an additional $50. Ok. So this is the last one and the final $50 for the loan. $770 so they make $370. Wrong! One week later, they take out another $50 and the week after they try to take out another $120 and another $50. So that is $1060! Wow! On a $400 loan.

Needless to say I closed my checking account so they couldn't take any more of my money. This was July 2011. Now today November 18, 2011, I am contacted at my desk at work by someone stating to need to speak to a manager or supervisor about someone there that they needed to serve papers on so I got my manager and he took the call at my desk when they were calling for me! Wow! I state my name when I answer the phone!

I called them back and the lady stated she was coming with a sheriff to my job to serve papers to take me to court. They called my mother's house and said I had given them false checking account information on top of that. They are saying I still over well over $600! So I am paying them in total almost $1700 on a $400 loan! Really?

Filed a complaint with the A.G., as other people in my state have done to try to get these people off my back! This company is a complete rip off!

I feel that my rights have been violated purposely, with the extremist measures not caring whether I get fired or not form my job. I'm sure Payday Loan Yes and affiliates wouldn't want to be personally treated this way at their place of employment. I applied for a loan with Payday Loan Yes on April 28, 2011 this year. Once I made the agreement, I received online documents via email to fax back to them, which I did. The loan payments were to be taken via direct deposit electronically every payday from my account. In which Payday Loan Yes started deducting. I have bank statements to prove this. Anyway, where is that money that was taken out already and now, they want me to start over. After I received a wage garnishment from another bill collector, that begin wage assigning me in the course of Payday Loan Yes, it became impossible to pay Payday Loan Yes at the same time.

However, I did state this issue when it happened. After arrangements were made, Payday Loan Yes began debiting every time I got paid, making my account accrue tremendous fees that now I also owe to the bank. Listen to this, it's now November and this company (Payday Loan Yes) has phoned my employer everyday, harassing me for a $350.00 loan, that now is $700.00, they want me to pay outside of court. Payday Loan Yes have threatened to serve me with the sheriff at my place of employment. Payday Loan Yes has repeatedly called my desk phone and repeatedly calling my personal cell phone with repeated allegations of serving me at work no matter what my employer has told them. Not knowing what my rights were and panicked at the time of call, I did state to one of their reps that I would pay. No one who is not a criminal or indulging in such activity wants to deal with the police over a bill.

This is now affecting my job that I may not have when next week comes. I have recently told them I couldn't pay at the moment and was told "that's not good enough". So now, Payday Loan Yes is a great threat to me and my getting fired over this loan. They are not professionals at all. The are undercover bullies! They want to double or triple the original amount, plus they want to harass people on their job. How will they get paid if I get terminated from my job? There will be no income in my house to pay at all. I was told by a law firm that this Payday Loan Yes company is using different numbers when they call customers and the Payday Loan company cannot be found in whatever system they are looking to find them. Threatening a customer at work, telling all my personal business to coworkers, my Human Resource Dept., and my immediate supervisor also have been harassed. Is this legal?

Can someone please answer that? I have a mailing address and a phone number, so why do Payday Loan Yes continue harassing me at work and threatening me with the police to serve me? I have recorded messages from the last 3 months from Payday Loan Yes contacting me with harassing messages at work, on my work extension, if I don't pay up! Now, it's affecting my company where I work and affecting my job (if I will have a job after this is resolved). Payday Loan Yes does not care about all the people they have involved in this matter. This is my issue, my employer didn't take the loan nor was my employer a party in the loan. So why is this legal bringing other people in this?

I'd like to start off by saying that I would never do business with your company or recommend your company to anyone in need. It started off with a phone call from one of your customer service representatives asking for someone that I do not know. I told her she had the wrong number. She continued to argue with me and tell me she did not. After telling her that I didn't know who she thought she was talking to but she had the wrong number, she hung up on me. I immediately hit *69 and got your company's phone number. I proceeded to call and speak with someone who told me it was probably someone in collections and transferred me. I spoke with someone else who told me they would transfer me to a supervisor and then I got the voicemail of "Stewart **". I did not leave a message. I called back.

I got a "Tina" who told me they don't make outbound calls and it was collections, so there's nothing she could do. I told her that I needed to speak to someone. Tina immediately got rude with me and told me, "Again, I told you already we don't make outbound calls." I told her: "I heard you. I'm asking that you transfer me to the department that does." Well, surprise, surprise - Tina hung up on me. I called back and spoke with the only nice gentleman at your company. Unfortunately, I was so angry I did not catch his name, but wish I did. He tried to do everything he can to assist me and told me he was transferring me to a "Mr. Stewart at extension 823". Mr. Stewart answered the phone with "yes". I said, "Is this Mr. Stewart?" He said "yes" again like he's completely bothered, that he's having to do his job as a supervisor. I said, "Wow, is there anyone at your company that is not rude?" And again I immediately got hung up on.

No one except for one gentleman asked me what the issue was or how they could assist. I did not (surprisingly) get loud or verbally abusive. Yet, I was still hung up on each time someone sensed they had someone unhappy on the other line. At my company, we deal with customers on a daily basis. And if we ever spoke to people the way your customer service department speaks to people, we would lose business so quickly. I will be reporting this to the BBB and on every website I can, possibly get my hands on to spread the word. I will tell people that no matter how desperate you may get, going to your company should never be the solution. I have never done business with you. And after the way I was treated, I would never do business with you. I feel sorry for anyone who is ever in the horrible position to feel like they have to do business with you.

This issue could have been easily resolved by taking the time to do your job as a customer service representative and listen to what someone has to say. It will take just 5 minutes of listening, and maybe just maybe trying to see if there's an easy resolution to make someone happy. Instead, I was greeted with resistance and unprofessionalism, because it was easier to hang up on someone than to actually help. The part that blows my mind the most out of this whole fiasco is that I could maybe understand if I was screaming or cursing at someone, but I wasn't. That is what makes this so much worse. From what I've seen of your company already, I'm sure this email will be deleted. However, I wanted to let it known that I will be sure to use all my business and personal connections to spread the word. Thank you for your time.

They sold my information to another company. When I got the unexpected deposit, I filed a fraud report with my bank and closed down the account. When financial constraints forced me to go to them for another loan, they took unauthorized funds out of my account (after depositing the loan). As a result, I closed that account as well.

They started calling me at work, daily. This has been going on for about a month. They have emailed me at work. I have sent them repeated requests to cease and desist and informed them that I am not allowed to receive communications at work. They have my home address, and they need to send all correspondence there, but they refused.

I filed complaints with the FTC, BBB, IC-3, and my state's (NC) attorney general's office. The NC Department of Justice sent them a letter informing them that payday loans are illegal in NC and to cease all collections activity. The BBB has sent them 2 requests to respond to the complaint. They will not respond to either agency nor to my requests. Since I answer the phone where I work, I've started answering "Sheriff's Department". We'll see how that goes. Do not get a loan from these people, and know your rights, file complaint, and know that for many states, payday loans are illegal and cannot be enforced.

I applied for a loan with this company and I paid it off. I then tried to apply for another loan, and was told that the information could not be verified, and was hung up on. That week, the money was in my account, and I did use it. I was contacted (allegedly) by someone from their company, and made payment arrangements. The next week, I was contacted by someone else wanting to make arrangements. This person said I had made no arrangements and that I would have to do something, to which I said okay. Now I don't know what to do.

I have applied for many loans recently from this company. I had 2 previous loans paid off rather immediately. Each time I complete an online application, it goes nowhere and I am led to believe that an application is being processed. Each time I do this, I have to find my bank statement and pay stub and go through this in a rather primitive way of doing business compared to other loan companies.

The only reason I chose them was because I had history and didn't feel like waiting for approval elsewhere. Anyway, the application just sits and meanwhile, they are receiving very private information from me pertaining to my finances and personal information. They do nothing with it, and the status is never updated.

On their phone line, you can't reach a person. I've held on the line as long as a lunch break and I can't waste hours of my life on this. Their automated system asks for my social security number and continues on as if I am applying for a new loan, rather than getting an update on my application, which is the button I press. I am continually left hanging, and I get home in the evening to check their website to see that for whatever reason, the system was reset as if I never applied, and it says congratulations you are eligible to borrow up to $300. Which is really pathetic anyway, since I earn $76,000 a year. Not all people in need of a temporary loan are complete losers and I have wasted enough of my time.

In addition to this, my bank account was charged a random $10 fee by them after I got no word of approval and no funds. This company needs to be shut down. This is unlawful. There is no statement anywhere on their website or their paperwork about a $10 application fee. I'm done. Ive asked them to shut down my account and I see that it hasn't been done.

I started an application with them, but found a different company (locally) and did not finish the application with Payday Loan Yes. I did not finalize anything with them. Today, October 3, I had $350.00 deposited into my account and $10.00 was taken out of the same account. I did not authorize this and I will not pay their extremely high-interest charges on a $350.00 loan that I did not authorize. They will charge me almost $200.00 for a $350.00 loan that I did not authorize and need from them.

I applied for a loan with Check n Go online during the 2nd week of August for $500, which I received with no problem. About the 3rd week of August, I checked my bank account and noticed a deposit for $350 and a withdrawal of $10.00 from an online company called Payday Loan Yes done on August 23, 2011. I did not apply for a loan with this company, and I do not know how they obtained my personal information. The only way I believe Payday Loan Yes received my personal information is that they drafted my application without my permission when I was applying to Check n Go online. I notified my bank, and they instructed me to close the account. I closed my checking account, and opened a new one on August 27, 2011.

On 09/16/11, a Payday Loan Yes agent called my job harassing me to pay back the loan, and threatened to garnish my wages and have me put in jail. I tried to settle this dispute with them over the phone by asking them to send me proof that I applied for a loan with them, and they would not cooperate. Payday Loan Yes agents have been calling my job every day since this time harassing me to pay back a loan I did not apply for. First of all, this company illegally accessed my personal banking information without my permission, and I am not obligated to pay any money back deposited into my account without my permission and consent. In addition, they stole $10.00 from my checking account, which I did not authorize either for their processing fee for the loan.

I never heard of Payday Loan Yes, but I believe this is their website **. This company continues to call my job, harassing me everyday, and I want them to stop with the harassment. In addition, I intend to take legal action against this company for illegally accessing my banking and personal information online, and for harassing me at work.

I put in an application with another company. Payday Loan Yes took $30.00 out of my account. I did not get approved for any loan.

I noticed a charge of $2 on my checking account and called the bank to see what it was. I then tried several times to get in touch with Payday-Loan and finally found a number on the internet. I asked why they charged me when I did not submit an application. They do this, they say, to verify your bank information.

I told them if they ever did it again, I would call the bank and stop payment and contact the Better Business Bureau.

This company charged my account $2.00 without my knowledge after I applied for a payday advance from a different company.

I applied for a loan and they told me their financial office will get back in touch with me.

I waited the next day. My bank told me I over drafted $30. I asked how and they said Payday-Loan-Yes tried to get a loan payment back. But I never received the loan.

I'm not even exactly sure who the company that did this to me. I applied for and through a few different ones, which I received emails from, but I decided to not go through with it. I then checked my debit card statement and there is a $30.00 charge from Pay Day Loan Payasst web. They are stealing from me and I don't even know who they are. What can I do and how can I get my money back?

I can't afford to have random charges charged to my card; I can barely afford my own bills.

All I know is that they were high but what I did was I paid it right back just to get rid of them. But now, I want to get another loan real quick and I can't seem to get a hold of anyone. Their website is broken. Do they still have my information? Looking at the other horror stories, I'm nervous because I don't know if they are going to be drafting. I paid them back in full in August.

Payday Loan charged my bank account $2.00 and $30.00, leaving me with an overdraft. These charges were not authorized by me. I would like them to fax a letter to my bank to refund any fees that I was charged.

I applied for a payday loan with this company online. My principal amount was $350.00. I paid $175.00 on July, 2011. I paid $350.00 on August, 2011. I am being charged an additional $175.00 because I did not authorize a full payment of $525.00 in July. The lender attempted to take the additional money after the principal amount was paid in full and there was no money in my account to pay. I am now in collections. I had made arrangements to pay the $175.00 I owed on September 2, 2011.

I noticed on August 15, 2011 that $3.00 was being deducted from my account on two consecutive days after this. I called Bank of America to inquire what these charges were. I was told that this $3.00 fee was being deducted by this lender as a late fee. The representative advised me that this fee would be deducted every day until September 2, 2011. This will put me into overdraft status and not allow me to cover my other living expenses and obligations.

I am disabled and receive $854.00 each month from Social Security. I cannot afford to pay these people $525.00 plus an additional $175.00. This lender's fees are too high and I feel that methods are deceptive.

These people are stealing from my bank account. I did not go through with an online payday loan and they have drafted money out of my account without my permission. I have been waiting on the phone for someone to answer the phone.

It is too late. I called numerous times to your company on Friday, 1/21/11 and Monday, 1/24/11 about the issue on your co-worker; as a result of being ignored, disrespected, and hung up on. I have already filed my complaint against you, Marlo, and the company. When I called in, the conversation that you and I had, and also Marlo, was recorded. Also, all calls to me will be recorded. By law, as long as one party knows, that is okay.

Your company never stated "this is an attempt to collect a debt and any information will be used to...." Why I wondered, because your company is not licensed and is a fraud. You never tried to help me. You never apologized for her behavior and disrespect. Your company never sent me an agreement and want to charge me outrageous fees. Your company has no license to do business with Virginia residents and you have yet to acknowledge anything truthful even in the email you sent me. I cease all communication that is not in writing and certified mail. All contact must be documented from now on.

Back in October 2010, I took out a payday loan. There was 4 payments that was set up the payments were scheduled for 10-29-10, 11-12-10, 11-26-10 &12-10-10. All payments were debited out of my account on the dates that they were suppose to come out. In January 2011, I tried to do a new loan and was told that my 2 payments for 10-29-10 & 11-12-10 were never paid. I spoke to Mr. Hatton, (800)654-7444 X821 and explained to him that the money was taken out of my account.

I spoke to customer service of my bank and was told that the 2 payments they claim was missing went to Fast Cash (a company of theirs) and the last 2 payments went to PayDayLoan Yes. They automatically debited the money out of my account and each time I checked it was debited out. According to Mr. Hatton Fast Cash should not have received those payments but this was the way that their system debited it. I faxed him a copy of my bank statement back in January showing where the money was debited. He was suppose to check into it and get back to me. He never did and this kept going on and on. I even faxed the statement to his manager Mr. Tim Atkins back in January and he never responded. For a while I wouldn't hear from the company but then different people would contact me at work. Each time I would explain the situation and would go back to Mr. Hatton. I had to refax him the paperwork several times. Each time he was suppose to get back to me and never would then I would not hear anything and think the issue was resolved.

Recently, I was contacted by their law firm to tell me that my account was transferred to them and I need to set up arrangements to pay the bill. I contacted Mr. Hatton again in the early part of July, still no resolution. I refaxed my paperwork to him on July 27, 2011 and still no word. Each time I call he says he will call back and never do. I finally spoke to his manager Mr. Tim Atkins again today and he was very rude. He told me it doesn't matter what my bank statements say the money was not paid.

I told him if he look he will see where FastCash debited the correct amount of money. He also told me that my account is with FastCash and not PayDayLoan yes which is something completely different from what I was told in the beginning. Either way the company has the payments, he said he was tired of wasting his time and hung up on me. Mr. Atkins (800)654-7444 X355. That was very unprofessional of him and especially for him to be a manager. This is a matter which should have been resolved and it's not.

Now they are talking about garnishing my job and I don't feel that is right considering the payments were made and they have the proof. No one up there wants to investigate it and see where they made the mistake.

To begin with, I am an unemployed teacher who works part time during the fall and winter term teaching at a local college (3 hours per week). I've been scraping for work for the past 2 years. It's been tough indeed, especially since I'm over 60 and during the past 2 years we have depleted our savings.

Okay, there's my back ground statement.

We were running short of funds and I decided to go online and borrow some quick cash and use my monthly disability payment to provide a source of repayment. I had applied for $350 from Payday Loan Yes and it was deposited in my credit union account.

But, we found our account had been illegally accessed by something called "Platinum Group" and $99 was illegally taken from our account, which caused overdrafts and unpaid bills. We were advised by our credit union to close our account immediately because the hacker (Platinum Group) was so sophisticated they could access my checking account through bogus check numbers.

We closed the account and I emailed Payday Loans Yes about the closing and explained why. I informed them I was opening a new account at a local bank and they could contact me about the account info for repayment.

Well, I didn't hear from them for a few days and I was so busy trying to sell personal items to cover the money illegally taken from our checking account ,I had not given Payday Loans Yes a thought.

Eventually, I received a call from a foreign voice claiming his name was Dave (suspicious) requesting I give him my checking account and routing # to pay Payday Loan Yes. I offered to send him a check and he refused and hung up. I called his number and got a recording regarding "Talk Telephone".

A day later, I received a call from a Mr. ** (who sounded legit) and he requested my debit card # to pay off my Pay Day Loan Yes account. My wife had the card at the time so I wrote down Mr. **'s number to call him back with my debit card # when my wife returned home (I did call the number but when I asked for Mr. Johnson, I was told there was "no" Mr. ** at that number).

Well, my apprehensions were on the rise, especially since my credit union account had been hacked! A couple of hours after my call to Mr. **, I received a call from a female who asked for payment on my Payday Loan Yes account. I told her about my previous 2 calls and she confirmed she hadn't heard of Mr. ** and warned me that some other customers had complained to her about bogus collection calls from individuals claiming to be Payday Loan Yes agents. They were also requesting payment, so my experience wasn't exclusive. The lady on the other end of the phone told me "not" to talk with any other callers claiming to be Payday Loan Yes' agents and she would have her manager contact me directly.

On Friday, 8/4, I received a call from a lady who informed me that I was going to be in a "court hearing ASAP" regarding my unpaid balance at Payday Loan Yes. I must admit, frustration with Payday Loan Yes was at an all-time high.

Now, Payday Loan Yes was threatening me with a court hearing (lawsuit). I tried to explain to her that I was doing what I was told to do from my previous call to Payday Loans Yes to "wait for a manager to call me".

The lady on the end of the phone was very short and ended our conversation with, "Okay, I'm taking your file to our legal department." I'm old school and believe staying out of court is a good thing.

I again called Payday Loan Yes and talked with a very nice young lady who also confirmed that other customers had been called by agents claiming to be Payday Loan Yes. After a bit of explanation of all the events surrounding my Payday Loan Yes account and why I had closed my credit union account (this information was emailed to them the day we closed the credit union account), we finally came to an agreement that I would repay over $700 for my original $350 loan due to the fact I needed to bring my account current and pay levied penalties and late fees.

I will have $186 taken from my $1,325 disability check through October 2011 plus I had to pay $182 at the close of our conversation. I understand late fees and penalties on borrowed money but over the $350, above the origin borrowed amount?

I'm the victim, I'm the fool, but if I can warn you from borrowing online, then this account is worth your reading time. I'm not as upset with Payday Loan Yes as I am with myself. We were compromised when money was illegally drawn from our account and I reacted to quickly looking for a quick fix. Maybe if I had borrowed from Payday Loan Yes and we weren't forced to close our account and thrown into such a quandary trying to cover overdrafts and bills and had proceeded as planned, allowing them to access our credit union account for repayment, I wouldn't be writing this epistle.

But, this was not the case. Warning! Read your contract when borrowing from online agents and stay away from the lending pages that "find" you lenders! Stay far away from them! I know many of you are in the same boat we are, we lost our home, lost our jobs (my wife is working thank God!), lost a car, the list goes on! Desperate times cause desperate measures! I now believe borrowing online is treading in dangerous waters. Be careful! I hope your caution is enhanced by reading this account.

This was my experience. It is a costly final solution! Lesson Learned!

I recently applied for a few payday loans/loan on-line. I've never applied for a loan with this company(payday-loan-yes.com). At least not directly. Now 2 weeks after I stopped the process completely, out of nowhere, they have hit my account for $2.00. Usually companies do something of this nature during the application process, since I have never spoken to a representative from this company, it should not have happened to me. I don't know if something more has happened or is going to happen. I just feel this is strange. Trying to get a hold of their customer service department to get this straightened out.

I was approved for a pay day loan and was not aware since they did not contact me to let me know. Once I received their information I contacted them to see how I was supposed to go about paying them off and there is a $500.00 finance charge for a $300.00 loan. They told me to review my contract which I never received a contract from them, the only contact was when they contacted me for additional information and then when I needed to make a payment. I've done payday loans previously and they have never had such steep payment plans. They're not helping a person get out of debt at all

These people have been harassing my sister in-law. I borrowed money back in november of last year (300 dollars). They ** me like a dog, called me names, and everything. I'm just aggravated of how these people can get away with all the interest they are charging people; and, something needs to be done. They won't give me a corporation address, or a physical. This is a scam. Beware, people. They have hit my account for $800.00. Now, it's closed because of them; and I'm really upset. We all need to get together and sue them somehow, some way.

I took a payday loan out with this company and up until this month have been able to make monthly timely payments. Due to an unexpected financial matter, my checking account was overdrawn and I missed this months payment. Of course, I started receiving calls from John. He was calling me at work and in most cases, I could not talk personal business. I told him I would call back the next morning; which I did and he did not answer. So, I left him a message. I had not received a return call until the next week, when a supervisor from the company called and stated that my case had been given to her. The manner in which this person spoke with demeaning and rude.

I stopped her and stated that she could speak to me in a better manner. She then became verbally abusive in her tone and conversation and threaten to call back and talk to my supervisor. She then stated a rude word and hung up. I then called back to speak with John and as I was telling him what had transpired, he became rude and ill as well. I informed him that this was a personal matter and she called my job. If she contacted my supervisor and disclosed anything, I would seek legal counsel. He stated that the calls would not stop coming to my job and I informed him, it was not the problem of them calling, but the manner in which I am spoken to. I went on to try to explain my situation and before I could state, I would like to set up payment arrangements for my next check - John ask, "do you plan to pay this today", when I responded no. He stated good day and hung up.

I have also looked at my loan and noticed that some of the information in the loan for repayment and the cost surpass my state laws allowability.

I would like to know how I can stop these harassing calls to my job and if this company spreads my personal matter to my employer, what are my rights. Further, what specific information can a debt collector disclose to anyone, including your employer?

Thank you.

On 3/28/11, I applied online for a loan for $1500.00. I was asked what minimum amount I would accept. I stated $1000.00 after being told by Bonnie there's no problem and to fax my financial information and I would be all set. I didn't hear from them all week and I assumed the loan was denied.

Today, I was paying some bills online when I noticed an extra $291.00 in my checking account. I went to Payday Loan Yes website and put in my name and found that I owe $450.00 on 5/11/11. There has got to be something illegal here, right? Tomorrow I'm shutting down my checking account! I'm on a fixed income and I can't afford $150.00 interest payment on $300.00 for 7 days.

They deposited into my bank account but I never gave permission nor did I sign any contract. I had never heard of them before this. I did not know them. Then they took 2 payments also without asking me. But now I want to give the money back as this was just deposited yesterday, but I don't want them to have any access to my account. Who do I send a money order to? They also took a $10 fee but gave me $350 I never asked for.

Now, also have been receiving harassing phone calls from this company. They have threatened to take me to court for fraudulent activity & constantly harass me at work when I have told them not to. I have provided them with my cell number but they continue to call my work. I just want them to take their money and stop calling me.

They deposited into my bank account but I never gave permission nor did I sign any contract. I had never heard of them before this. My bank has frozen my account but I want to give the money back as this just deposited yesterday. But I don't want them to have any access to my account. Who do I send a money order to? They also took a $10 fee but gave me $350 I never asked for.

I took out a payday loan online in July and have made payments all throughout December. I then defaulted on a couple of payments and have been receiving harassing phone calls from this company. They have threatened to take me to court for fraudulent activity and constantly harass me at work when I have told them not to.

I have provided them with my cell number but they continue to call at my work. I have also provided them with a cease and desist letter but they still continue to contact me. After reviewing my original loan documents, it looks like I am being charged 1,216.667%, which based on North Carolina laws, looks like legally, they're only allowed to charge me 36% per annum.

I have taken out a payday loan over the Internet, and set-up scheduled payment every other Wednesday to come out of my checking account--somehow, with the above Indian people. Officer John ** and several others representing themselves as a payday loan have gone into my check account with my Social Security number and taken monies out of my account. I have called payday loan myself and they say that they are not their representatives.

They are harassing me at work. They call three or four times a day, stating that they will have me handcuff and take me to jail--also, they have used bad language to me. I'm just trying to see if this is legal. I need some advice. I have now talked with someone at Payday Loan Yes, and we already have an agreement.

These people were very rude to me. I asked a question about my loan and the woman Karen ** was so ignorant. She said I was stupid and it was elementary level. If I couldn't understand her email, she cannot help me. She asked if I needed someone to help me read and understand it, then get someone. Also, if I needed someone to show me how to scroll down on my computer then to ask someone. I complained to the manager Tim about this and I was told that because my loan went into collections. I was no longer a customer and that is why I they were rude to me!

Karen ** would not answer my specific questions after I asked her to explain her email. Hence, my payment was late and I received several $3.00 late fees which in addition cost me several $35 overdraft fees from my bank. My bank was going to reimburse me the fees if the loan company reimbursed my 4 $3.00 late fees and they would not.

I was trying to borrow some money according to an ad on the internet from Payday Loan, but realized that I was being robbed, at the time I was behind on my every bills. I did fill out the requested form, from then I've been getting text and email from many other type of payday loan companies but never agreed to any loan because my work computers warned that these sites were fraudulent. I just received a phone call from Payday Loan in California, stating that I borrowed money and never paid them back, saying I used the wrong account to get money. But I never borrowed money and never agreed to any of their offers.

Okay, so I have been dealing with this since November. Several different people (including an Indian guy) keep calling my cell phone and at my job. I got very tired of being threatened, but wasn't sure on what to do. I mean, these people tell you that you are being sued and immediately, you get paranoid, a bit freaked out and worried. This guy leaves me messages (same one every time). He got through at work and told me he is with Clyde & Co LLP and I am being sued for money laundering, bank fraud, etc. Telling me I have already incurred fines of over $7,000.00 and I can settle OOCR for $280.00. If I don't pay this by 7PM (same day) EST, then I will be facing 10 years and $500,000.00 in court costs, etc. He asked me if I wanted to settle this now and I told him no, I'd call him back after I did some research. I emailed the firm that he said he was a part of and was told to "treat this inquiry as fraudulent". I'm not sure on what to do at this point because he said he would be calling my family, friends and my "manager" to make them all aware of what was going on.

The customer rep is calling and harassing me--using bad language to me and other employees. They call me 17 times within 10 minutes. I have six other fellow employees who witnessed this and I placed the call on speaker phone so they all heard them call me a ** and use the ** word to me. Like I said, I have several witnesses. The first lady said that she has my address and will come down and stomp my **. This is far and beyond ridiculous--harassment above and beyond.

I was concerned about how much money they were taking out of my checking account each pay period. I originally received a loan for $500.00 and after six months, the amount was the same. So I contacted them requesting a printout and they stated that they do not do printouts and to look at my bank statements. So, I changed my bank account to force them to provide me the information; instead, I received a call yesterday demanding money or I would receive a summons for garnishment of ways the next day and my direct boss would also receive the summons.

They had me running around to get the money together. They also told me that I had 20 minutes to pay through Western Union. I questioned her and she said, "you do not know who you are dealing with," and hung up. I called her back and now she wants more money to pay the loan off, but will not provide me a statement that this would pay off the loan. Stay away from these people.

On December 2010, I applied for a payday loan with another company who turned me down and as it happens anytime you apply for a loan, my email was swamped with offers for a loan which I know are generally just matching services. I kept getting an email from Jackie saying I had been approved but she needed me to fax additional docs. I ignored this as this was not a loan I desired. I got several emails in this fashion, all of which I never responded too. After about the 5th one I asked how much the loan was for but never got a response to the question so I assumed it was an automatic mailing. A few days later I got an email from Jackie saying she was sorry for the delay, she had trouble verifying my employment but finally reached a lady who looked my name up in a directory and since it was there, that was good enough verification. I wrote back asking the amount again and telling Jackie I had not approved this nor did I want it. I told her I did not want the loan.

Then on New Years Day 2011, I noticed an extra $350 in my account. After a bit of research I found out it was from Payday-Loan-Yes.com. That very day I emailed Jackie, the concerns department and the customer service department. I called and left a message that I did not sign for the loan, I did not agree to this loan and I wanted to cancel the loan (other legitimate companies give you a 24 to 48 hour cancellation window). I also found through logging in to the website that not only did I owe the $350 and the fees, I owed an additional $70 for who knows what reason. Being the weekend and holiday, I did not expect to hear anything from these people until Monday. It was finally several days later when Jackie apologized as she was "under the weather" and she would look into it. I never heard back from her.

I had to write the "concerns" department 3 times to get a response from them. The additional $70 was due to the fact that I was paid once a month and not bi-monthly, again not in their loan docs, or any terms and rates I ever read. Then they went on to tell me my payment options, avoiding the whole "I never signed these documents". Finally on January 10th they emailed the loan documents. They have my name on them as if signed by me, but I never signed these documents. Jackie or some other member of the company has forged my name. I feel like my hands are tied.

They said I took out a loan, but I never received one. Now, they want me to send them money or be harassed at work, they will not tell me where the money was deposited. They will harass me at my place of employment and also take me to court.

Payday-Loan-Yes.com is an illegal lender. They are not within the USA. They break FDCPA laws and spew useless threats about taking you to court when they cannot do so. To avoid paying more than the principal you owe please visit http://www.debtconsolidationcare.com/. This website is not a debt consolidation company. It is a company that helps you learn how to handle illegal payday loan lenders and get control back over your checking account.

Well, where to start? Sometime in August, approximately Aug. 15, I noticed that money had been taken out of my account, $75.00 worth. I went to the bank and spoke with one of their employees. They told me it put my account in the negative. I told them that that was not an authorized transaction and they deleted the NSF fees. But I still have to eat the $75.00. I decided to file a report with the bank and with Brad ** at the police department because I don't know what else to do. While I'm there, he noticed a $250.00 credit towards my account on July 23, 2010. So, everything started falling into place, right?

Well, he called the actual company and asked how they got my info and what they plan to do with it. The lady he spoke with acted as if I didn't exist. She said the account is closed. As of then, they didn't even have any info on me. Well over the next few weeks, I kept a watchful eye on my bank statement and they took $75.00 out of my bank account 4 times by Aug. 30th. That is $300.00 plus all the NSF fees to cover transactions I didn't have the money for.

Today at around 2:30, William ** from paydayloansyes.com called me to say I owe them $490.00, and I didn't have a choice but to pay at least $250 because they put that in my account. It does make sense whether or not I noticed it, but it still wasn't approved. So, I'm trying to talk to him and see what I need to do to dispute this and how to go about doing it (I didn't ask for the money so I feel as if I should not have to pay it).

(He wasn't very helpful, but he was respectful and tried as hard as he could to help me. He got me the telephone number to contact his manager. So, when I got a hold of him, literally the first thing he did was start calling me a liar etc., saying if I really lived paycheck to paycheck, I would have noticed the first day it happened. And he told me that he has a copy of my DL, SSN, a voided and signed check, and 2 pay stubs. I find that funny because when the police called them, they acted like everything's all good and it shouldn't have happened. Anyway, I freaked out and went back to the sheriff's department where they told me to ask for verification and all that. And I filed another report.

Brad personally called William ** to ask for this info and got no answer. So, the first thing I did when I went back to work was call him. What a coincidence it is that they are closing and can't send me the verification. What major company do you know that would close at 3:40 in the afternoon? I haven't heard of any. Bottom line, I don't know what to do. I think that managers are there to help people, not call them liars and tell them they don't care. How does this happen? Is it possible for someone to get all of my information that easy? And to top everything off, the whole reason (I believe anyways) this is happening is because I decided to be young and stupid and apply for a credit card online. I gave out my telephone numbers, DL number, emails, and everything! It's a horrible mistake.

I applied for a loan with Payday-loan-yes. They were difficult to get a hold of violated the Truth in Lending law by not revealing facts and figures and violated the truth in advertising laws by posting a higher loan than they are willing to loan out. When it came time to send the loan to my account, the loan was only a small fraction of what I had asked for and my bank charged me an additional $10 just to transfer it. I called and canceled the loan due to violation of the "Truth In Lending Laws. " No figures, loan costs or loan amounts were ever discussed and I did ask for that information in my emails.

On Aug 29, 2010, I received an e-mail that I was approved for a payday loan. No amount was mentioned and no contract or electronic signature was given. I e-mailed telling them I did not have a loan, I had been denied and to please clarify. There was no response. On Sept 8, 2010, I received a call from a man with an Indian accent who said his name was Greg **, calling from BCI, Bureau of Crime Investigation. I looked up the phone number in reverse and it came back as unpublished landline in Vacaville Cal.

I assumed it was a scam and did not return the call until my friend that had been put down as a reference was also contacted. I called the number, gave the extension and was connected with a woman. I did not get the name of the company when she answered the phone, but I could hear the same voice in the background that had identified himself on my voice mail as Greg **. She said he was one if their paralegals but she would assist me and the call would be recorded, and I agreed. I was told that I was going to be arrested on several federal charges for trying to defraud PaydayloanYes.com She stated that a deposit was made into my account and that they were unable to process the EFT for repayment, it was declined.

I argued with this woman for several minutes. She said she had an affidavit from the company but could not or would not give me the transaction ID number, or the amount I supposedly owed. She read off all my information which was correct except the last 4 digits of my account number were wrong. Thank God! She kept pushing me about repaying the loan and I told her I would take it up with the company, and if I had to, I would go to court to rectify the situation with all my records and correspondence. After saying that, she kept insisting I repay the non-existent loan.

After several refusals on my part, I told them send me the papers for court. She said all they had now was just an affidavit, no charges had been filed yet. She mentioned Vacaville and King County in California, which neither applies to me and as far as I know, the nearest federal courthouse is in Sacramento. I knew I had applied to a different payday lender but was denied. She said, it is like an umbrella, many different companies under one main source, probably how paydayloanyes got my information. She seemed startled when I told her I have lousy credit and had been denied because of that. If the harassment continues, I fully intend to contact the State Attorney General's office to file a complaint. The mental and emotional stress thinking you may be arrested for something you didn't do is awful!

I had a loan in the amount of $200 back in November 2008. I have paid this loan off about three times over. Back in June, they sent me an email saying I owed $120 and they would take a payoff in this amount. They took the money out of my bank account and then sent me another email in June 2010, July 2010, August 2010 and now September 2010, saying, like the other messages, that they are having a problem with my account and I need to call them. They went into my bank account, which was at a totally different bank then the one I used when I received the loan, and overdrew my account by taking out over $300. The bank did not put a few of the transaction through, so I owed the bank.

The fraud department at my bank checked into this and were nice enough to reimburse me my funds. But just today, September 7, 2010, they have called me from Delaware saying I owe $560 and I need to pay. When I asked for proof and told them I had an email stating I owed $160, they just said it was interest and late fees. Then I heard screaming in the background and the guy got quiet for about two minutes, did not say anything and suddenly hung the phone up. I do not think they are legal and I am kicking myself. How many more months will they take money from me? They may still go after my bank accounts I have at any bank.

Well I got a $200 loan from these people and all they gave me was only $190 telling me they took out a "processing fee" and then they started to take out over $100 out of my account and tells me they are going to keep taking out that amount for refinancing which I did not do and they have made threats and told me if I went to the authorities they would deny everything and as of yet I still never received any proof of the loan.

I had for a loan for $300 and they told me they a need finance charge; so they took $105 from my account every week for four weeks. So on 7/23/2010, I called to say thank you for the loan, but to my surprise she said that $105.00 was the finance charge for a week and nobody told me about that. Now, on 8/27/2010, my bank took $211.12 from my account that I had closed on7/23/2010 because they are still putting it electronically every week. I tried to call them, but no one is answering. I need to let them know to stop it. I already paid $420 to them and $211 to the bank. I don't even have the address to this company. I left work because I had seen my account's zero balance. And I got all upset and sick of the incident.

There is no customer service number and the company keeps withdrawing money from my bank account when I am already finished paying my loan. No contact information other than the 877 number above and they claim there is no manager and no customer service. They hang up when I called on August 22, 2010. Withdrawals from my bank account in the amount of $123.00 happened twice per month since I finished paying.

I have taken out 2 loans with PDLY. One last year and one earlier this year. I have always paid what I was told each month. However, I had a family emergency in June so the check that was supposed to clear for them in June was returned. I received an email from someone stating that I needed to respond to the email about my account which I did. I never received a response. I called them on 8/2/10 to find out what I needed to pay in order to bring my account current and be in good standing. I was told that I needed to pay $205 in order to close the account. So I paid it.

About 5 days later, there was a debit from my account for $605! I contacted them and a guy named Ron ** stated that I would need to fax over my bank statement so that they could see the withdrawal from my account. So I faxed it over. He was supposed to call me back and let me know something which he never did. I called them back and another manager told me that he was looking at my account and I should have the money back in my account within the next 2 days. So I gave them the benefit of the doubt and waited 2 days, nothing. I finally called them back and another extremely rude manager informed that no one by the name of Ron ** worked there.

He told me that Ron ** used to play baseball and that obviously someone had made up a fake name and told me whatever I wanted to hear just to get me off the phone. By this point I was livid! I told him about the faxed documents and he rudely told me that it's a company fax machine so anyone could have picked it up and did whatever they wanted to with it. He told me I was not getting my money back and that they have permission to debit my account whenever they feel like it. After I told him that I would be contacting an attorney he then told me "You make me sick"! I left messages w/several other "supervisors" and never got one phone call back.

Back on November 9th 2007, I took out a loan with PaydayLoanYes.com for the amount of $200.00. I admit I failed to pay them back for some time. I then received a phone call in 2008 from a women saying that I was going to be arrested and my kids were going to be taken because it was now a criminal case. I paid her due to being afraid and not knowing my rights. Then a year later I received another threatening phone call from the Carey Law and Mollenier group telling me I still owed money. Then after that I was contacted by the FCIS (Federal Check Investigation Services) agency. They told me if I didn't pay it to them then I would be taken to court and that the first company was a scammer.

Then a couple of months after that I was contacted by First Shore Credit and they stated that I still owed money to payday loan yes. I sent them documentation and they would not accept it and said if I didn't pay it I would end up in court. After paying all of these fraudulent companies a Law firm contacted me saying I was going to be charged with fraud if I didn't make arrangements to pay them for payday loan yes. I told the guy go ahead I have stupidly paid this several times out of fear and I won't pay it again. He stopped the calls after that.

Then today on 8/12/2010 I received a threatening phone call from another law firm which I have the phone number to I couldn't really understand the man when he said the name of it, but his name is David **. He said that I was being investigated in the county I live in for fraud and action will be taken in 72 hours if I didn't take care of it for payday loan yes. I told them the same as I did the last law firm that called me. I am getting very tired and stressed out over this and being harassed and the loss of money. I have documentation of several places I have paid. I need legal help to get them to leave me alone.

I applied for a loan and didn't know I was approved until I noticed small withdrawals totaling nearly $2000 for a $500 loan request. When I made several calls and demanded via e-mail that they cease and desist with taking money from my account, they continued. They did not answer and upon calling, no one would give a corporate office except to say they were in Delaware. I called my bank to stop the withdrawals and the Payday Loan Yes people started to call my state DOJ-DOC headquarters. If anyone has information on this so-called Internet based company that hides its owner and corporate information so well, I would like legal assistance and would testify in a court proceedings.

Emotionally, I am struck with a sense of helplessness. I'm suffering from headaches. I don't eat due to worrying about my mortgage not being paid due to money missing. I get headaches wondering who and where this company is. My finances are uncertain because of the withdrawals from that company. I can't sleep each night due to worrying about how to fix this problem and they seem to be a mystery company with no corporate office. Now my body is starting to suffer along with my work performance. Please help.

I applied for a $1500 loan on April 5, 2010, and faxed the documents they need for a friend. The Payday loan website stated that you will be approved in 1 hour. However, I did not received any notice from the a Payday loan company in 1 hour. Therefore, I thought the loan was not approved, and I destroyed my documents I sent to the them. I did not received a email or a telephone call from a company to verify if that was me that was applying for the loan for several days. Due to my travel in and out of town for my phone service partnership telecommunication company, I decided to take a break off the road and go over my bank account statements, and noticed several dates of withdrawals taken out of my checking account for a $300 loan that was directly deposit into my account from the Payday loan Company without my authorization .

At approximately 1100 hours, I received a call from my bank with the website that was taking the loan out of my account.

I called the Payday loan office to see how this took place without my authorization or notification for approval. I talked to someone on telephone number 1-800-550-6051 on July 21 or 22, 2010 to tell the company to stop taking monies out of my checking account, because I did not approved anyone to direct deposit or withdrawal anything since I did not see the terms or condition of this loan. Nevertheless , I have not received any e-mail contract terms once I was approved. Later that evening, the bank told me if I did not agree to that amount requested, they have not directly deposited it until they have received if that was enough to handle my situation. I agreed and decided to stop payment on the withdrawals.

The following days had the following transactions; 4/13/2010 - $105, 4/29 - $105, 5/13 - $105, 6/10 - $105, 6/24 - $105, 7/8/2010 - $50, 7/8/2010 - $105, and stop payment on 7/22/2010 for $90 have going over my bank statements. This is outrageous for someone to agree on a loan with such this high interest rate. Please call me as soon possible to discuss this matter. It is greatly appreciated.

I received a loan from Payday-Loan-Yes in the beginning of May and it went as planned. It was a very high interest rate but needed the money right then. Since then, I have been getting calls from these Indian accented men saying I owe on a loan anywhere from a year to 6 months ago. They have my bank acct number, my SSN, my birthday, my drivers license # and my ref I put on my app. They are saying that they are pressing criminal charges and stuff. I have made reports about it, call attorney general and everything, because they are bogus companies trying to steal people's money.

I received an email from Payday-Loan-Yes yesterday saying I was denied of a loan due to a SSN was the same. I never applied so I called them and they said they have someone hacking into their database stealing the information on their customers! At least, three different people have called me telling me my info and it is because they didn't secure their website! Beware for future calls don't give them any money because you don't even know if its going to the right people, or the one sitting in their living room calling people and stealing money! When I called I got right through at (800) ext 779. I might of waited 30sec for a rep.

I went to wefixmoney.com, completed a payday loan request which apparently went to every payday loan company (kept receiving emails from several different companies). I received an email message from Shantelle ** several times through-out the day on June 2nd requesting my pay stub, voided check, bank statement to complete my application. Granted in the message from her, she never indicated how much money I have been approved for, so I decided at 3:27 pm that day to send the information requested just to see how much I would get approved for and how much the interest will be before I agree to anything.

On June 3rd, I continued to receive the same message requesting verification information; on that same day I received an email at 12:17 pm approving the loan with no amount of the loan indicated or interest fee indicated and no phone call from Ms. **. I did not go to the link to sign the electronic contract, not feeling comfortable about that and knowing whatever they offered I will most likely will not be able to pay them back. So, I sent Ms.** an email message on June 3, 2010 at 1:22 pm Central Time to withdraw my application because I am no longer interested in funding.

On June 3rd,at 2:21pm CT, I received another email from Ms. ** requesting the same verification information but I was already approved for a loan (this message was sent to me again because I did not sign the contract for the loan). After receiving that again, I believe I went to their option to be removed from their contact list. stopped receiving her emails. On July 4, 2010 without my approval/knowledge, Payday-Loan-Yes.com did an ACH credit for $350.00 and an ACH debit for $10.00 transaction to my checking account.

After acknowledging what happened with my account, I went online to payday-loan-yes.com to look at my illegal account and the interest is $175.Who would approve that type of loan? Not me. Of course, I cannot pay the money back, so that is why I did not sign the contract but they illegally proceeded to give me the funds and now are harassing me at work with scare tactics such as, "I will take you to court next week; I am going to call your supervisor right now" and hang up in face. After that, I called them back to tell them again not to call my place of employment but they refuse to stop calling, saying this is the only number they can reach me.

I called them again to talk to William ** who happened to answer the phone; He was professional and offered some good payment arrangement options to return the money but he works for them. He said they can continue to call my job, garnish my wages right now without legal action first. What are my legal rights? Can they sue me and if so, what type of time frame I am looking at? They continue to send the ACH debit for payment to my account which is leading up to overwhelming bank fees. I am not allowed personal phone calls at work and Payday-Loan-Yes.com is calling my work everyday and this is mentally stressing.

This company took four ACH transactions of 200, 60, 60, 30 dollars. I am currently gathering information to take this company to court. It's not good to sit back and let them get away with this. I have all of my court papers needed to file. We cannot sit back and just let this company get away with such practices. Check your local Payday laws and I guarantee that they have broken the law in your state.

According to the Payday Loan law in Colorado, I have a case.

I applied for a loan of $5,000, which was approved. I had to pay a one-off payment of $69.50, which they took out my bank account and I have heard nothing from them. I have tried to call them but if I get through to someone, they cut me off. I am a single parent and I can't afford to lose that kind of money. I feel I have been ripped off by this company and it sounds like thousands of others are being treated like this.

I applied for a loan and was never even told I got it or any of the terms prior to them depositing the $200 then they charged me a $10 process fee also. I did not even agree to the loan. I don't even no when payment is due. I feel violated and now they have my personal information. If the fees are like one of the other complaints 50%, I cannot afford that charge on unemployment.

First of all, I clicked on your site to read other complaints or inquiries about this company and haven't seen anything but a complaint form. I applied for a payday loan and was sent a text message saying "I was approved for up to $350. Please call me immediately". Upon calling the number, I was instructed by the pre-existing voicemail to "fax a bank statement, pay stub and voided check". When I called and actually got to talk to Tinika, she refused to tell me the terms of the loan or how much I was approved for or any information until I send her the items she requested. I explained that I am very leery to send her my banking information until I could verify the legitimacy of their company. I asked to speak to a supervisor, to no avail. She only continued to repeat the same thing, "until I receive the requested documents, I can not tell you anything. This is a standard message that goes out to everyone".

Remember, I had applied online and they already have my information. The website she gave me to verify redirected me to yet another website. I want to know that this company is legitimate and she offered no reassurance until she receives my account information and a voided check. I am now leerier than before. She told me I may only qualify for $200. So why send me a message stating I was approved for $350? Again, this is a message that everyone gets so I am in a pool of numbers. I am not a customer whom has pre-disclosed information to get a loan.

I am very unhappy at the lack of information that she is disclosing and would not recommend anyone to continue with such an unprofessional business who refuses to disclose who they are, where they are from and what they have to offer; the terms of the loan prior to them getting all of my personal information. I would like someone to contact me personally and explain. I will contact the attorney general as to this inquiry not to be redirected to some pool of attorneys who actually defend or protect a company such as this who is withholding information in order to do business.

I applied for a payday loan and a fax sheet was online to fax more information. A cover page stated that my loan was 85% processed and to fax further info (bank statement, etc.).

I did fax the information and called the number to see if the loan was processed. It was processed, but I was only given information on payback interest fee. It was a $100.00. The information on the automated phone did not disclose how much the loan was. I went to the library and to access online information. I did not agree to the loan; they just processed it and sent an unknown amount to my checking account. The online customer account sheet was, I thought, $300.00. I forgot to print it out. The next day, I went to the library to see if it was on the printer and it was gone. I tried to call multiple times and only got an answering voice mail for Danielle. I left a message but received no return phone call. I e-mailed DW and explained the situation. I wanted to know how much was the loan as my bank said $200.00 but the customer account stated $300.00.

No return e-mail. I called to question the interest rate and no answer to date. If it was $200.00, $100.00 would be the 50% interest rate. I would not have agreed to that. I went online to the website and a loan schedule is available, but nothing matches the loan amounts.

Thank you.

On June 14, 2010, I applied for a $300 loan with Payday-Loan-Yes.com, but for whatever reason, I was denied the loan and never received any money from this company. Today I found out Payday-Loan-Yes.com deducted $380 in three transactions ($175, $175 and $30) from my checking account on July 7, 2010. I tried to contact them via phone, and was on hold for over 4 hours with no help. I have emailed them as well with this information wanting some type of explanation.

Went to Paydayloanyes.com on internet and requested a $500 Loan. Got no loan docs or disclosures as to terms of loan but $250 was deposited into my account. I am on a fixed income and get only $975 a month. $125.00 was deducted from my account before my check got to the bank and on a day I did not authorized which caused overdrafts over the $250 Paydayloanyes.com deposited. Thus, I blocked this lender from auto drafts and requested paper billing, which they denied claiming that they must electronically deduct from my account, plus they are demanding over $500 be paid to them or 100% plus interest on the loan which is illegal in Louisiana. In violation of law, I have been given threats of suits and promised that these illegal claims will be placed on my credit report when they are refusing payment of principal at a legal rate of interest.

I applied for a payday loan. There is an application and a funding process. Once the application is approved, I am supposed to approved the loan. I did not approve a loan. The loan was funded and deposited into may account. They did not received approval from me! there have been deduction interest, only fees from my account and the account balance has exceeded what the original loan amount was! The principal was $350. Now I owe $455.00, after having paid $210 in interest only charges.

Received a loan for $450 on 02/22/10, finance charge $225 total $675. I receive a retirement check each month on the 1st unless it falls on a non working day. On 03/01/10 $225 was drafted from my account and again on 04/01/10. On 04/26/10 I called Pay Day Loan spoke to Michelle to advise that the 1st of 05/10 fall on a Sat and if they would draft my acct on the 3rd of May 10. Michelle informed me that they deal with these type of account and it would not be a problem, she gave me a confirmation #924941. Well they sent to draft to the bank on 04/30/10 which caused an overdrft fee of $35.00. On 05/05/10 they drafted $225 from my account and another $225 on on 05/05/10. This caused my bank to have overdraft fees in the amount of about $200. Spoke to Mike on 05/05/10 to request a refund of $225 who stated I had a balance of $450 and if I make payments of $230 on 06/01/10 & 07/01/10 my account would be paid off Confirmation #2974218473.

After several call to Mike on 05/06/10, 05/7/10, 05/08/10 inquiring about the $225 to be deposited back into my acct. On 05/11/10 Mike requested a fax a copy of bank statement to show where $225 was drafted twice, it was faxed on that day, finally a refund of $225 was deposited into my acct on 05/31/10. Received a message on 6/22/10 could not determine what the person as saying. On 6/23/10 a Mr. C left message stating the bank had rejected their draft for 06/01/10. I returned the call on 06/23/10 & 06/24/10. On 06/25/10 Mr C called and stated he did not want to hear any complaints because he has to be off the phone within a time limit, this was 8am and I was asleep. He stated that all he wanted to know is how I intend to pay off this balance of $455. I reminded him that he was being very arrogant and he acknowledge that I had been a good customer, but he has not time to listen to complaints because he has to go to a meeting.

I told him that if they had not went into my acct on 04/30/10 when my check had not be deposited this could have been avoided. "Can you make a payment today" I said no not until 07/01/10, then email me your acct # exp date and security code today. I complied with his request I sent the email, but I should not be responsible for all these overdraft fees when it could have all been avoided and I don't believe they tried to debit from my acct on 06/01/10. I previously filed a complaint with the BBB also beause I feel I should not have been treated this way. I also undersatand thay these placed charge a high rate and I had to bite all those overdraft fees.

On 6/14/2003, I faxed my June bank statement and a copy of a blank check to Payday Loan Yes requesting a $300 loan. They sent me an email stating the loan aomout to pay back would be $300 plus $150 fee and the total would be due on 6/25/10. I questioned them as to why the high fee cost and they said it is because I am paid monthly.

On 6/17/10, $300 appeared in my checking account as expected. On 6/18/10, $10.00 was ach'd from my checking account by Payday Loan Yes. I emailed Kelly C to find out why and she emailed me back that it is in accordance with their policy to charge a $10 fee for returning customers and that the fee is noted in the docs I signed. I at no time rec'd any loan disclosure notice with express terms of the loan. Only an email with the total amount of $450. due on 6/26/10. This is a clear violation of the WA statues for loan disclosures. I would like my fees refunded as the total loan will be paid in full on 6/25/10.

I applied on line to receive a paydayloan for 350.00. I got in financial trouble and I could not make the second interest payment of 105.00 so it came back NSF. A gentleman John called me at work and said I defaulted and I need to make arrangements with a debit card. His tone of voices was very rude and he said if I didn't not he would contact by employee. I made arrangements out of fear giving him by debt card. After I received my paycheck on Friday I looked at my account and they hit my bank account for 4 ACH's 105.00 2 times, and 30 for NSF and 350.00 for the loan. They also tried the debit card which caused fees.

How can they threaten you that is ilegal. This company should be shut down.

1. Drafted my account earlier than the agreed upon date and caused NSF fees. 2. Refused to provide a mailing address so I could mail the balance. 3. Called cell and job and told me they were federal agents and claimed I would be pick up this week because a warrant was out and a criminal case had been filed. Hung up when I asked questions. I called back then they did the same.

I needed cash and applied for and got a payday loan from Payday-Loan-Yes. I ran into financial problems and fell behind or defaulted on my loan.....several months later I received a phone call from my parents who had received a call from the company threatening them, thinking that i lived at home. The rep called my father a deadbeat, a liar, amongst other things that i won't repeat. I immediately called their corporate offices and was told by a Mr. Tim A, that he would personally handle my situation. They never apologized for their behavior.

Long story short I worked out an agreement to repay the amount of $400 that would be paid bi-weekly. All my payments were Western Union'd to them, and I kept all of my receipts. My final payment was made to them on 7/13/07. When I contacted them to get a letter stating that I had pade my debt off as agreed I was given the run around, and quite honestly, the blow off. Finally a year later I was told that my account was sold to collections 6 days prior to my last payment being received. I have since been contatced by 2 different collection agencies threatening to take me to court for "interest" that they say that I owe. I made my payments to clear my account as promised and now I'm having to deal with these idiots ALL over again. Is there no solution or remedy for this? I paid my debt based on the agreement that was made, and now they say that this is not true! Isn't it illegal for them to do this????

iget a call from a payday loan yes i ask now i pay the loan bake she sied you pay 125 amoth for 2 moth and then pay back the imers and i ask is that all she sied yes i ask the 125 is that my payment yes she sied so i sied ok then 1 moth 125 was take from me 2moth 125 wastake the 3moth 125 was take i called she its the intrs not a payment so i payed 50 and they take `125+50 and did not take anying off so i stop my bank and now they are takeing me to cort i payed over 425 in all but i nevre ok then it was a loan co that i ask foe the loan for not them i do not konw how they got my loan app in the fast plaes help my if you can

I needed $150 quick I applied on line and had filled out several apps and decided not to follow thru because I was giving out too much info on line. I had faxed some info to a company it turned out to be Payday-loans-yes.com I didn't realize they had ok'd the loan uintill I happened to check my credit union and there it was. I thought ok Ive got it Ill use it and they will take the money out of my account and it will be done. Now this month they have taken out $375 and I wanted it to stop as I thought the interest was too high. I got thei number thry my credit unuion and have found that the $125 they have deducted for the last 3 months is just interest and I still owe $250 this is outrageous. I am going to close my account at the credit union but I know this isn't going to go away----HELP I can't stop crying

I received a loan from this company. I requested a mailing address for my final payment, but was denied. I was told that I had to provide a credit card payment. This company continue to call me at work threatening me, asking for my supervisor, telling me that they will call the sheriff. I have provided my cell phone and home phone numbers. but was told that they will continue to call my place of employment because they do not have to abide by any laws. this is harrassment and I am fearful that I will lose my job because of these repeated calls.

I had initiated a payday loan in December 2009 for $300. I paid two of the interest payments and then changed my bank account. I notified Payday-Loan-Yes that my bank account changed and to please let me know how to change the information with them so they can continue to debit my account. No one responded. Almost immediately, collection attempts began. I have contacted Payday-Loan-Yes and asked for their address so I can send payment via Western Union. Again, I received no response. This company called me repeatedly when I told them verbally and in writing (fax) not to call me. They have called my workplace when I told them repeatedly verbally and in writing (fax) not to call me. They have told my co-workers they need to talk to me about a "court case concerning my debt" more than once. They have threatened me with a non-existent court case. They somehow got my checking account number and have debited me $680. This has resulted in my bank account being overdrawn as I did not have the funds for this debit.

I tried to contact Payday-Loan-Yes and received an email telling me I filled out another loan application with my new checking account and that is where they received my new checking account information. I did attempt a new loan, but it had a different company name. I had no idea it was the same company. Ironically, I applied for this new loan because I wanted to pay off the Payday-Loan-Yes account so they would stop harassing me. I decided in the middle of the loan process that I did not want a new payday loan and canceled the transaction. How they got my account number, I do not know! I never authorized debits from my new account and am extremely upset at this company.

I filed complaints with the Federal Trade Commission and with the Department of Financial Institutions. I would like to take this company to court for the violation of the fair credit reporting act on so many levels and for harassment. I have no problem paying any existing debt but $680 for a $300 loan that already had debits of $180 from it, getting threatened and abused verbally and having my job and co-workers involved in my business is devastating.

Charged my bank application fee for processing application, faxed information, left many messages. Jamaal haven't return not one call, faxed info that he requested, don't know how to get in touch with no one.

I informed creditor that I was working with a Pay Day Loan assistant company to consolidate my loans. Immediately Terry hung up on me and called my employer, and told my co-workers, and references I was writing bad checks and committing fraud. I received a Pay Day loan, and completed on line, no checks were ever written. My personal character has been ruined with my co-workers and my friends. To false information given to them by Terry ** at PDL Yes.

I was called by an agent named Kory who negotiated a loan of 350 dollars to be paid in decreasing increments and that could be paid off early. The first payment was to be 155.00 and each subsequent payment 15.00 less. What I was given was 300.00 with a 150.00 payoff on may 3rdor pay 150 to hold it over for another month. The agent Kory was supposed to call me right back and never did all that day never returned my calls. The next morning, I began trying to get a hold of his supervisor and never got anything more than a voice mail no return calls at all. They are frauds and thieves and deserve no peaceful nights sleep for the pure unadulterated lies and evil they inflict.

I am paying it off in whole at the first payment and if they dare call me again, I will sue them for harassment as I have told them the stress and the exorbitant rates are one thing when you have some control over your money but when they steal it and leave you no control. It is beyond reasonable 50% interest for 30 days is a user fee. It's absolute that they are stealing and when they short you the amount agreed on, lie about the payments and refuse to even address your concerns by returning a phone call. They are just plain con men and doing it across state lines and using the banking system to do. Has got to be some form of extortion.

This company sold my information to a processing agency. I got a threatening message from a man who worked for this agency stating that if they didn't hear from me or my attorney, the only thing they would wish me was good luck. I called back, and the man was very rude. He told me that I had until the next day to pay at least half of the loan. I told him that I was a student and I was just let go by my previous employer. I told him that if they could give me more time to receive my tax return and my unemployment check, and he told me that he could do anything unless I paid at least half by the next day.

So I told him that I'm sorry but I can't, and he said, "OK, Marco, good luck to you," and hung up. I just recently got a phone call from an unknown number from a man who told me he was gonna serve me with court papers and he gave me a number to call. I called the number, and they told me that I was gonna be brought to court for not paying the loan. I told the lady my situation, and she told me that she couldn't do anything unless I paid $200 by 2pm Pacific time. I told her I couldn't, but she told me that she could hold the summons until 2pm, only if I called back to make a payment.

I wanted to try some online payday loan relief company, but I don't trust them either. I am not a bad person, and I don't and never had any intentions to defraud a financial institution. I am a student and I'm studying criminal justice, and I hope to become a police officer some day. I don't want this on my record. Can anyone help me?

I received a loan from Payday-Loan-Yes on 7/15/09 for $350.00. Since that time, I have paid a total of $700.00 for my loan. I am now receiving threatening phone calls from a BAM company stating that the loan was placed with them for delinquency. One woman who called me, who would not give me her name, told me I still owed $420.00 on the loan. When I offered to fax her my bank statements showing that I had paid the loan back twice she stated "I don't care how much you paid them, I want my money."

Since then, I have received nasty calls at my home and my work almost every day. I tried to call Payday-Loan-Yes and when I finally got through to them, they said they had no information on the loan in their system because they sold it. The man gave me a number to call to an AIS agency. When I was able to reach someone there, they told me the same thing. They have no information because they sold it, but were unable to tell me who they sold it to. I have paid the principal on the loan plus any finance charges which equal the same amount as the original loan.

I applied for a pay day loan in November of 2009, received it. In December of 2009, Pay day Loan, yes debited my account several times causing a loss of 800.00 to my account. This caused me not to have enough funds to pay the loan. I have spoken with an agent to set up payment arrangements, the 1st payment was made as promised. This company has called my job numerous times after I have asked the 2 agents not to the first one complies which was ritual.

Today, I received a call from a Kevin **. Mr. Kevin ** left a message on my work phone answering service, basically stating that I owed a payday loan to this company and I better call as soon as possible. He also proceeded to leave a message on my cellphone, he threatened to get me fired and to come and pick me up himself to have me arrested. Mr. Kevin A. then proceeded to tell me that he ran a $250.00 charge on my credit card which he did not permit to do. I then ask to speak with his supervisor so that I could make the payment. He told me that I was not going to speak with his supervisor. He was coming to pick me up.

Mr. Kevin ** has caused mental as well as defamation to my character to my colleagues. I would like to speak with someone to pursue legal action on this company.

October 2009, I searched out a loan on the internet and began to apply on Payday Loans Yes website. After reading their terms, I declined to take their loan. I never received any money into my checking account from them but on November 1st, they began taking $175 per month out of my checking account. I stopped paying them as of January 1st 2010. On March 1st 2010, they attempted to take $730 out of my account but I stop pay on that check as well.

As of 3/2/2010, I have not been able to talk to someone who can help me and what is even better, they don't even know who I am. They have begun reporting negative information on my credit report as of 3/1/2010. I have suffered stress and economic damage and need an attorney's consultation to off set the negative credit impact as well as the financial setback.

I received a $200 loan from them in September 2009. The loan, with interest, totaled $300. For some reason, they claimed to not have the correct checking account information. I was contacted by a rep, who told me I could make three payments of $100 to satisfy the loan. Those 3 withdrawals from my checking account were indeed made in October, November, and December. Then, in January 2010, another withdrawal of $100 was made. The rep claimed I still owed money. I faxed information proving the loan had been paid. I have made numerous calls but without response. Now I'm receiving calls from their so-called collections department. I need my money!

In December 2009, I applied for a Payday loan of $350. I was contacted by Malika Dupree and asked to fax additional documentation to them which I did. The $350 was deposited into my checking account as agreed. The problem is that their posted fee schedule states that a $350 loan incurs a $105 service charge which would leave a total balance due of $455. Instead, they are charging me $175 service charge for a balance due of $525. I have called, emailed and faxed numerous times a request that this be corrected and have never received a response from them of any kind. Today, since I am paid monthly, they are taking the first $175 out leaving a balance of $525 for February due again on my next Payday.

I applied for a payday loan and I got an email that I needed to sign some documents and fax them back. I decided not to do that and they put money in my account without my permission. I tried to call and no answer and my wife called and left a message with no return call. Since then, they are taking $75 out every week. This is so crazy. I never even gave them any permission to do so. Someone has got to stop this.

P.S also have made copies of every form.I stayed on the phone for over 30 mintues still no one answered then phone hung up.

yesterday terry came home upset and said paydayloanyes drained our account. so i called them and there were very rude, i tryed to explain the loan was only for 300.00 and pay back was 390.00 and they are saying they tryed to take out 105 but could not, i said i replyed to there email and told them they can take there money but of course they decided to take 590.00 and claim i defaulted. but [they] just drain my account. how am i going to feed my kids, they said there are other payday loans, it was not there problem. o yea your in hawaii so it do not matter and hung up

I was a little short on money and i had my cell phone bill coming up so I applied for a loan with payday-loan-yes. I was contacted (by e-mail) by a woman named Terri a few days after I filled out the online application. I faxed her all the infomation she needed for my loan and a few days later $300 showed up on my bank account. So I was pretty happy about that cause I could pay my iPhone bill ($115) with out passing the due date and pay for others things I needed.

So I checked out there website to see how i could pay off this loan. I signed in and I see that the loan I received was for $390 but I only received $300 in my bank account but I didn't think much of it. So I set up the dates they can take out money from my checking account. Two weeks later payday-loan-yes withdrew $90 from my checking (which later I found out it was only a service charge). So in eight weeks they withdrew $90 every two weeks which comes out to $360 total in just service charges and non of that money has gone towards the loan itself. I was overdrawn everytime they took money out of my account so just recently my bank reversed all 4 transactions from payday-loan-yes.

I was e-mailed on Wednesday 11/25 by a man named Tim from payday-loan-yes advising me about the reversal by my bank and that my loan account was 109 days passed due and that I was in the advanced collection process. Can anyone help me and stop this injustice by this company?

Single parent trying to make ends meet needing a short term loan. I borrowed $350 on 6/9/09. Stating 6/19/09 until 11/20/09 this company has deducted $1190 from my account. I lost the paper work to get in touch with them. I called my bank several times to trace the deductions and they said they could not trace the money (phone numbers used to be provided with these dedcutions - Payday removed phone number in hopes customers would not be able to contact them). I tried to locate the company's information to include looking online. It was hopeless because there are so many payday loan companies and I could not locate the company I needed. They never sent a letter to my home stating terms of my loan. It only took a phone call to reduce payments, but I couldn't get the information for them. They continued taking my money and did not notify me when it would stop. My account has been in the negative for many months and the money they took out of my account and the amounts would vary I couldn't balance my account and checks have been bouncing.

I have used payday loans before, but I have been able to contact them via phone or email. I spoke to Jerad today who wouldn't give the company's address or his last name. He said he does not have to give out that information but they have all of my information and especially my bank information. I don't know if they will continue to take money out of my account because I haven't received anything stating when they will stop deducting from my account or how much money they will take out. Jerad said the information was given to me at the time of the loan, but I couldn't locate that information and it was written on the loan papers that I couldn't read it anyway. I asked for a letter stating my loan was paid in full and they refused to send me anything in writing. When contacting them, they say I failed to contact them, I failed to do such and such, but where they failed me is providing information to contact them. If they had mailed me letters I would take responsiblility for this, but I didn't have their infomation. Their don't want to hear from us because they want our money and if they are getting the money, why should they contact you.

this company extracted money from my financial institution without my authorization. when i contacted them regarding the matter an accounting manager (wouldn't give name)nor come to the phone told the representative she was NOT reversing the transaction. I called to find out where they are located and NO one would give me what state they are in. this is horrible business tactics. Need your attention immediately. Regards

Around October of last year, I was seeking christmas money and went on their website. I was not informed of when they sent the loan or even told of the amount($300). worse yet I sent $105 dollars each of my last four pay periods to where I had to stop and cancel my checking account and take my money elsewhere so that they will not get hold of it.

I wanted to suggest to the writers regarding the above referenced payday loan company is that they all need to report this to the attorney general of their state. This is a gross violation of usury laws, which all states have. There is a lawsuit which me and others filed in the state of Florida that is still pending. It even went to the Florida Supreme Court.

I had been dealing with this company for about 4 years off and on. This very last time when i renewed my paydayloan with them, the finance charge jacked up from $105 to $175 ddollars without any notice. In their fee sheet it still says the finance charge to borrow $350 is $105 dollars but we were not informed of it. I called to inquire and the receptionists told me that the charges had changed but were not listed. I dont think that its fair because I would not have borrowed $350 to pay back $525. that is just ridiculous and i feel as though im being swindeled. im paying it off because its an automatic draft and if i dont itll begin to mess with other bills coming out of my account and will also add other charges.

10-01: 50.

When I called to inquire, I have been advised I signed a contract allowing them to charge me a 105 service fee monhtly and no loan balance has ever been repaid. When I inquired to send me copies of the agreement they advised me to send a fax request and that i need to in 2 days still pay the balance due on principal of 350 dollars.

How do I get help and what are the laws in california of rthese transactions. what legal rights do i have. I have already paid $680 on a $350 loan that i never agreed to and now they want $350 more?

I have explained to her that I am on pacific time. I have asked her numerous times to not call me at work under any circumstances and she still continues to do so. I have let her know that I am not looking to take steps to get an attorney involved with the situation and the harassment on her part. she calls and treatens that if I don't pay right now that they are going to take further action. I have explained to her that I do not have the means at this thime but could make at least a $50 payment a month.

I got a payday loan from this company and it was suppose to be for $300.00 instead it was $200.00. The contract stated that they would pull 60.00 out on 1/2/09, instead they pulled the money out on 12/31/08. On the web page it said that it would be 1/18/09 because I asked for an extension and it was aproved. When they did the transaction I was charged two $35.00 charges becase the company send in two transactions one for $60.00 and another for $50.00. I did not have the money in the account yet and I occurred $70.00 in NSF charges. I tried to contact the company and fax them about this but I was not able to talk to anyone about this until around 2/09 because this is when the company realized that they were not going to get paid.

When I did get in touch with the company they had enter my checking account so much that I ended up with over $1,000.00 in NSF charges from the bank and the bank did not pay anything after the first charges of $110.00. Because I had contacted the bank about how they withdrew this money ahead of time. I was harassed on my job and this company was rude to the secretary and my boss. My boss told them not to call my job after I had told them several times not to and gave them my celluar phone.

When I tried to talk to them about how they did my checking account and make arrangements with them, they still hit my checking account for the money. They have deceitful practices in there organization and I went through all of this for $200.00. I am trying to get them to undo this because they did not have to do thism. I am also going to put in a complaint with the bank because they could have been put a freeze on this account after I had told them about the first transactions. This account is overdrawn over $2,000.00 and the bank is looking for me to pay this. I feel that if anyone should pay or deal with it, it should be Payday Loan Yes then they would have better business manners.

Got $350.00 deposited to my bank acct. 12/18/08. On 1/15/09 and 1/26/09 they tried to get money. I specifically told them I am paid once a month and on the first of the month not to do until jan. 30 when I got paid. They do not pay any attention to what you tell them. On 1/30/09 they took $350.00 + $105.00 + $105.00 + $30.00. I faxed my statement twice with no result of refund of any kind. Took a total of $590.00 without contacting me first. I am not thru with them yet!

Total lack of carrying thru with request to resolve the excessive amount taken. I should not have to pay NSF charges for accessing my account when they did.

Continue to take money from my account after receiving there pay. They got over 700.00 or more off of me.

On 10-20-08 I complained to this company about the collection calls being placed at my place of employment and not a month later i am getting more calls today 11-20-08 i got a call by a man named Mark from payday loan yes and he was rude and harassing, this company was already advised i cannot get calls at work, below is a copy of the letter i sent them: This is to advise Payday Loan Yes and any company hired by to Cease and Desist of telephone calls to my place of employment. Please be advised I am not to receive calls at my place of employment.

On November 20, 2008, I received a call from Mark a representative from your company. The rep. named Mark was very rude and threatened me. Within collection efforts he crossed the line with the profane things he said and if he contacts me at work again I will be recording the phone call. I am requesting that my work number be removed from my account. Therefore please refrain from contacting my workplace in any manner. California state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that collectors may not call you at work if they know or have reason to know that I may not receive personal calls at work. For the most part, collectors may not tell another person about my debt. Please be advised I do understand that the transaction with your company is not subject to the provisions of Civil Code Section 1719, and I cannot be required to pay treble damages if my check does not clear. I am also aware that I cannot be criminally prosecuted or threatened with criminal prosecution for purposes of collecting this deferred deposit obligation.

Due to their calls at my job i can get fired, plus by them harassing me, and letting my co-workers know about my debt when i am not at my desk.

i recently obtained a loan from this company via their web site,with my payments being debited from my checking account. the bank that i was using was sold,and now i no longer have an account there.i called the loan company to inform them of what has taken place,and to get a mailing address so i can mail payments to them,but no one will tell me where they are located. all i get is "we don't accept mail payments." they continue to send debits to the bank,and the bank continues to charge me fees. can you help? also i have the same situation with another on-line loan company called "paycheck today"(866-756=0600)