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I had taken payday loans with this company since 2010. Never had any issues, I made all my payments on time. After paying off each loan, 20 days or so later I would receive an email stating I was eligible for another loan with a higher loan amount. My final loan with One Click Cash was to be paid off March 2014. In September 2013 I noticed my loan payment hadn't withdrawn from my checking account. The first week of October I received a phone call from a One Click Cash representative explaining there were issues between them and my bank and could I call them back. They requested a payment through my bank card and all interest would be waived. So I took them up on the offer, and my payments were completed in December 2013. I have checked on their website, and it shows I paid my account in full in December 2013, but I am unable to request any further loans, every time I try and submit my info, it tells me there is an issue. I assume they are shut down from doing business. While every payday loan makes a killing on their fees, I never had issues with this company at all.
I did take out a loan with these people but it is paid as of April 25, 2012 (that's what their website says). I am now being threaten with being sent to jail. I got home today and there was a call from the police dept. I am 64 years old. I don't know what to do. IF I still owe them I will gladly pay them, but the people don't want a credit card. They want me to go to Walmart and get a MoneyPak card and send the numbers on the card. If I do this I will have no proof that I paid this. What do I do?
I owed One Click Cash a remaining balance of $250.00, one payment for October and November. The company called me to get authorization for payment in September because they said they were having a payment processing problem with the ACH payment through my bank. When I talked to the agent, I also agreed to have the October and November payments set up to be paid as well. On November 6, 2013, I received an e-mail asking about the October payment. I stated to them that I had already set payment authorization by credit card and that they need to check their phone records.
At this point, they have never billed for the October or November payments and they have not e-mailed or called me either. Also, the funds were in the bank both months and nothing has been processed. I hope they are not trying to send me through collections or trying to get this money now because those funds are now gone. Any suggestions would help.
I totally regret that I applied for a loan with OneClickCash back in June 2013 and as they started debiting from my account which is fine that's what I agreed to when applying for this loan but for some reason, they stopped debiting from the account and then recently, I answered one of those 800 calls. They are saying they are trying to collect $450 from me and asking me for credit number so I go, "I need to get home first so I can check on my computers," and I also go, "Well, don't you guys take them out of my account on my paydays?" And the first guy wouldn't answer me and hung up on me. Then I called back after I checked and I was able to verify that they have been taking $120 from me but then they changed their system so now they don't take them from the bank account anymore and they also told me that the $120 each month they have been taking out of my bank were all going into as finance charge for a $400 and still saying that I still owe $450.
I've never seen any loan company charge this type of interest and I am so hesitant to give them anymore of my personal information because one guy said something like they drained all his money and he has no bank account right now so I just don't know what to do at this moment because I am not able to pay this $450. Not that I agree to pay them this amount but just want to put this behind me and it was stupid of me getting a loan from this company and, oh god, the last person I talked to at customer service was so rude and such a liar too. I already admit that I was stupid that I took the loan from them and she was not only rude but accused me of something that I didn't say. She said that I need to stop saying it's their fault on everything and I said I never said that and I even asked her to play back the conversation on this phone call and she said she is not going to do that. Yeah, I wonder why.
I've had a couple of payday loans with this company over the past couple of years. Recently, they called and said they were having "processing" issues with withdrawing payments from my bank account and asked that I pay the remaining principal and they would not charge the fee. I told them I would have to check this out with my bank because this seemed strange. Anyway, I did some research and discovered that they are not licensed to make loans in Minnesota and for those companies that did, they were limited to 33% annual interest. I also discovered they are under investigation by the FTC. I e-mailed them and told them what I had discovered and guess what....I just checked my account on their website and the loan status is showing as "paid in full" as of October 9, 2013. I suggest anyone with a loan check to see if they are licensed in your state and what the max interest allowable is. Confront them with it and see what happens. Good luck!
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One Click Cash and other payday loan companies are blocked from ACH withdrawals from your bank accounts. That is why they are attempting to obtain your credit card information. They are attempting to circumvent the laws. In fact many companies have been ordered to pay restitution and barred from collecting on any unpaid loans. Payday loans are now limited to a 16% interest rate.
One Click Cash stop withdrawing funds on the $455 balance in 09/13 for some reason. Soon after, I received an email stating they would resume on schedule in 10/13. Not so. They have my email address and home address but will not contact me through either but want me to give them debit or credit card info over phone which I refuse. They have the necessary info to continue with drawing the remaining balance of the loan as per loan agreement (which has worked out fine until now) or contact me using the USPS so there is written documentation.
One Click Cash want my credit card number. They didn't take any interest this month and are calling every day wanting everything I owe. They said because of processing issues. WTF does that mean? They already got the principal and $120 interest. WOW! They just called me again!
This is the most useless excuse for a loan company. I have fought with OneClick since January. I never tried for a loan with them but somehow they got my info and drained my account over and over. I now have no bank and am at risk of getting into trouble because of this. I never heard of them until I went to make a purchase and my account was in the neg. and they explained this place was taking large amounts out. I have turned them in multiple times. It has gone nowhere!!!!!!!
Rec'd email stating "due to processing issues" they are unable to ACH my payment plan. Does anyone know why? They want me to give them my debit card and post date the payment plan. This sounds fishy and I wanna pay it off but Leery now. Plus if I don't post date it, I will be charged additional finance fee. Please let me know if you can. When I ask they won't tell me why, just avoid the question and straight to making a payment in full which I can't do.
One Click Cash Company Information
- Company Name:
- One Click Cash