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I borrowed $300 like every other payday loan. They offered a 6-month payback at $50 per month. How nice? No, the fine print charges you $75 per month to do it. After 6 months, you will repay the original loan of $300 along with almost $450 in fees. OMG! Didn't I understand what I was signing? Well, apparently not and I'm a pretty bright guy. You better be very shrewd and nimble to deal with these folks. I didn't realize it on my bank statement initially and got a chuckle out of it as they explained it to me. Each time I asked a question, they replied by chanting, "You agreed, you agreed, all explained, you agreed." And I guess they're right, which is why I am stunned by the smooth way they pulled the wool over my eyes. I am now urging you to run away, run away, run away.
I have been a customer with EZPayDayCash.com for many years and have made timely payments with no issues. Due to several unfortunate events, I had difficulty making payments as of August 2011. My account was referred to collections after several returned payments. I made payment arrangements with Customer Service Rep, Frankie where I would make 5 payments of $248.00 every two weeks starting on 10/14/11. I spoke to Frankie prior to October 14, 2011 and explained that I would not be able to make a payment on the schedule date of 10/14/11. An agreement was made to begin the payments on 10/28/11. I made the first payment as agreed.
On 11/8/11, I called to speak with Frankie and was told he was not available. I explained that I would be unable to make the payment scheduled for 11/11/11. The female customer service representative indicated that Frankie was unavailable. I explained to her my financial situation. She indicated that she would email Frankie so the payment would be extended to 1/6/12. The customer service representative assured me that if there was a problem, I would be contacted by Frankie. I received no phone calls or emails from Frankie so I assumed there was no issues.
On 11/15/11, I reviewed my checking account and my account was debited for $248.00 by United Consumer Financial Services, causing my checking account to be overdrawn, charged $105.00 in over draft fees and my payments to two other companies returned.
On 11/15/11, at approximately 9:30am (EST), I contacted Customer Service to speak with Frankie. I was told that he would not be in for another two hours as the company is on PST, however I could leave a message on his voice mail. I left a detailed message explaining the situation and requested a call back.
At approximately 5:00pm (EST), I received no phone call or message from Frankie, so I called to speak with him. I was told he was out to lunch and I should call back in an 1/2 hour. I called back at approximately 5:45pm (EST) and spoke to Frankie. I explained the aforementioned situation and asked why wasn't my call returned. He asked several times when I left a message as he did not get it. He pulled up my account and indicated that he spoke to me back in October regarding my account and the agreement made. I explained that since I did not receive a return courtesy call from him or email I would like my banking information removed from the system and in the future, I would call to make payments directly.
Frankie told me he could not remove my banking information as it was part of the payment arrangement and if I removed my checking account information, I basically had no intentions to pay. I explained to him that I have every intention to pay the account, however, I have rights and wanted my checking account information removed. He again indicated that my checking account information could not be removed. At that point, I explained that I have rights, would file a complaint and I ended the call.
Subsequently, I checked the account status on their web site and it indicates that my balance is in fact $499.00 which is lower than the amount quoted to me. I was told by Frankie my balance as of October 2011 was 1240.00. Two payments were made of 248.00, so the balance would be $744.00. However on their web site, it indicates my balance is 499.00. I contacted my bank and placed stop payments on any future debits and the unauthorized debit from my account which posted on 11/14/11.
I applied for a small loan, in the amount of around $100-$200. I never received it, which was fine. They also tried to hit me with a pre-approved credit card, which I gladly turned down. I have enough credit cards, and it didn't make sense to get another, with such a high credit limit (go figure). They called to verify my information, but never called back, or gave me my $100-$200 loan.
I now have a few numbers of some people who are calling me, and harassing me, about the card I never got. I have gotten harassed for about a month, with threats of lawsuits and prison, all because of a card I turned down, and never received. They also informed me, that they tried to take the money out of my account, without my permission. So, not only did they get my info and tried to take money from me, they never gave me what I asked for in the first place. I need the phone calls to stop, and this site shut down. I don't even know how these scammers were able to get my info in the first place.
This company is robbing me blind and has sent me an email on the 29th saying my loan was paid off, but then they told me it was a mistake. Every time I called them, they give me a different balance that I owe (even said $750 at one point and $600 on another call, when I only borrowed $550 in April). I have paid them over $1,000 to date and they are now taking money out of my account randomly, and Chase won't do anything about it. These payments are not authorized, and they called me today saying that I renewed my loan and a payment is due soon! Please help me. Chase keeps taking out $34 from my checking account every time they unexpectedly withdraw money from my account.
Since Tuesday, January 18, 2011, I have been receiving telephone calls at home and at work from a certain Mr. Richard ** and his associates threatening me with a lawsuit because of a loan I got from ezcash.com. I reviewed all my transactions of this nature, but I don’t have any record of any transaction with ezcash.com. I also checked my bank statements and no record of debits or any kind of transaction with ezcash.com could be seen. The same Mr. ** and his associates kept threatening me with legal action, but they never clarified the issue with me. I asked them with what office or law firm they were connected with and they said Consumer Affairs and no name if any law firm. Do you have a Mr. Richard ** in your employ? I could not talk with them during work hours when they repeatedly call me as it is against the policy of the workplace. I tried contacting them when I got home, but they have no more office by the time I make the call.
The last time I was able to talk to Mr. **, he told me to wait for papers to arrive at my place of work last Friday, 1/21/2011, but nothing came until the end of the day. He told me to bring the papers to the courthouse (did not mention the location) with my lawyer to prove that I am not guilty. I was advised by my lawyer to complain to your office first before we decide on our course of action. I know I have rights against creditors calling my place of work to make my business known and the fact that they do this the whole day is harassment for me. Thank you so much for any support, clarification and help you could give me on this matter.
I feel harassed by the phone calls and since they practically call my work place the whole day, I feel embarrassed by the fact that my co workers know that they are threatening me with a lawsuit. I do not like to go to school because of this and I know that I will not be paid if I don’t go to work. My husband who is a diabetic and hypertensive is also affected and gets stressed making his sugar level and blood pressure go up. If these calls won’t stop, we might both get a nervous breakdown.
I applied for a loan (big mistake). It was funded and I received an email saying they would send loan papers in a separate email. It never happened. The next day, my account had been cleaned out. I was forced to close my account and immediately tried to contact them by written letters and emails, too numerous to count. Nobody ever responded. Now I am in collections with no response from them at all. I am on disability and have medication I need. My bank account was in the negative and I had no money for medication. I explained this to them and still, no response. I will never give any banking information to anyone ever again, and I certainly will not take out a payday loan. This company is not reputable at all.
I have had this loan now since April. They keep renewing it and not paying it down. I thought they could only renew so long before they had to start paying down this loan? It's been a severe financial drain. My husband took a $300 a week pay cut recently and we are struggling.
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