Consumer Complaints and Reviews
I had an overall positive experience, I found the staff explained everything to me in detail and took the time to answer all my questions. I would certainly consider using them again if I required their services in the future.
I applied for over 40 payday loans today. Was denied every time. They have false advertising saying anyone with no credit or bad credit can get a payday loan. That's a lie. All they want is your personal information so they can turn you down. I've had a hard time getting credit since my husband died 6 years ago. They don't help the people with bad credit start over again. They don't give a damn.
First, I do not have a loan with this organization. I recently received a phone call, or should I say four phone calls, over the course of about 15 minutes. I don't usually answer unknown numbers, but by the 4th one I thought perhaps it was a family emergency. Imagine my frustration when the caller asked to speak with, "John **". I told the caller to remove 'me' from their list. The caller went on to then state that he could not remove me from their list because I have a 'loan' with them. He then proceeded to tell me that I have a loan balance of $900 and that this was my '1-time offer to settle' the amount due. I again told the caller I was not the person he was trying to reach. The caller, named Juan, then became argumentative and began speaking over me. He rattled off a SSN# and asked me to verify the information.
First - this was NOT my SSN# as they had the wrong #. Secondly - when I tried telling Juan that it is illegal to share someone's SSN#, he started to argue with me again. He told me I was stupid and that he understood the law. Then he told me to file all of the complaints I wanted and that he does this all of the time "so nothing will happen." The entire experience was terrifying. I felt threatened and berated by their agent and I don't even have business with them. Watch out - illegal company!!!
Is there even an available phone number directly to this company? Everything I am finding says that they are out of business. They called in march and we paid 500.00 because we assumed that husband's ex wife probably DID this in his name so we paid it. Now they are calling again today from different collection law firm stating that he owes another 500.00. So you mean to tell me that a payday loan place gave a 500.00 loan that wasn't paid so they gave another loan for 500.00??? Something isn't right about this picture.
I got a call from this company saying I took a loan out back in 2012. They also stated I was going to have 4 different criminal charges and would be receiving a court summons. The personal information they had was outdated by 8 years. They demanded a payment of 650 dollars and when I told them I had no money they said they would settle out at 450. I told them no, that this may have been fraud and identity theft. Jada the rep then told me she will send it to their legal department and hung up on me. I was extremely worried, and ended up calling an attorney.
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A supposedly lawyer called me telling me that I owed this place money from 2009-2010 under my SO # but I never received no money, but it was sent to someone that used this email **. I have no idea who this and they're saying that I owe 4 places money and I haven't ever taken money out at any of these place. Their totaling almost 2,000 said they had to send it to civil court and I had to just wait on them to set a court date. It really makes me mad because I was out of a job during that time and now some stupid person hasn't paid nothing back and they think I am going to pay it back. They better think again.
These people have been emailing me but I have never had a loan through them. It's become common for scammers to either try to collect on loans older than the statute of limitations or non-existent loans by scaring people into paying. You will not go to jail. It's illegal for them to say so. All they can do is if it's a legit debt, is take it up civilly, which these people won't do because they have to prove you owe this. Don't give them a dime. Learn your rights in your state and report them to federal fair debt site.
Received a call today from a collection agency regarding a loan taken out in 2010 for $355. I did take a loan out with that company back then for that amount but I have paid it off. I do not understand why it takes 5 years for them to contact you saying you owe them money. There is no record on my credit report about this company. I requested proof showing that I owe this company money and the man from the collection agency hung up on me.
This company says I owe a debt for a loan I never took. They also claim to different loan companies each time they call. They have threatened jail time and court. They have harassed me. I have gotten some information. They have two different dates on which loans were taken. I told them I did not take loans out and did not have a bank account which you need for an online loan. The collection agent said that did not matter. He said if I don't pay this debt I would be in jail. That is how I knew this was a scam. This company has also used different telephone numbers for debt collection. They are a fraud.
I just received a phone call from a lady stating that I took out a payday loan from Pay Day Yes, March 2011. I know nothing about Pay Day Yes or this loan. WTH, who are these people?
The man was rude. Couldn't get in a word. His name is Jerry **. I never made this. On Feb 23, 2015 was the first time I hear of this loan, number of loan **. I never made this. This is fraud. I am not paying for something I never made. I am getting a attorney and sue whoever use my name.
These predator companies should be eliminated due to the false claims they make in order to appeal to people who are suffering from low wages & unemployment in a dismal economy. It’s a scam because when, and if, they do grant funds the interest is ridiculous. I was approved for $500 and the total repayment would have been over $5000! These people cannot honestly expect to be repaid. Needless to say I didn't accept those terms.
So I got a phone call from someone and he said I owed $500 on Payday-Loan-Yes. I never took out a loan and now he is saying if I don't pay I will be getting a felony warrant. I'm scared, I never been in any trouble before. What can I do or who can I call... Please someone help me.
Global processing systems called me at work and left automated voice message telling me there is litigations against me and I should call with this claim number. I called them back and told them I owe no money to anyone and to please stop calling me. I asked for details and they told me Payday Yes says I owe them under $500. Never heard of Payday Yes. Never borrowed money from Payday Yes and asked them to please remove this info. Payday less is a scamming company apparently. I have taken Payday loans and paid in full. Never ever used Payday less or any Payday loans they are affiliated with.
I took out a $300 loan with payday yes. Then my bank took 2 1/2 weeks to cash a money order to pay them. I told them that there was an issue at the bank. I consolidated my loans in a debt relief organization and Payday Yes was paid in December 2013. My account was closed in April 2014 with all debts settled from the debt relief. Now, I am continually getting phone calls from "so-called" legal representatives saying I will be subpoenaed. I give them the information to the person the debt relief paid. They also called my aunt and mother-in-law. How can they continue to call when they have been paid? I tried to call and email them but the email is returned and the phone number never goes through. It just makes me mad with the threats after it has already been paid.
I'm not sure, I believe that they are trying to collect twice on me. Some collection agency calls me demanding my money and won't send me a bill from these people. I don't even know who these people are! Send the darn Bill with proof I've got your money!!! They can't produce a bill.
I filed Chapter 7 Bankruptcy in 2012, which included the loans with Payday-Loan-Yes. I have been receiving phone calls from various 'Law' firms stating that they are calling on behalf of Payday-Loan-Yes and that they are investigating charges of fraud and that I should pay what I owe. I explained that I filed bankruptcy and that the balances were discharged and they claimed that I had a moral obligation to pay. They stated that I wrote fraudulent checks, when I stated that the checks are considered 'a promissory note' and not a check in the sense of check fraud, they became annoyed that I knew what I was talking about regarding their claims against me. They told me that I will be getting phone calls for the next 10 years and my family would be getting phone calls after that. The firm that called me today was Johnston, Moore and Associates from Columbia, SC 847-400-0560 and I spoke to Josh ** among others, all of whom were representing Payday-Loan-Yes. The BBB lists Payday-Loan-Yes as out-of-business.
I was called by a company that their number was 785-644-0736 from Highland, Kansas saying I owe money from 2010 on a payday loan. They gave me all my information. I don't know this company let had a loan. Going to sue me.
Yes please stop these companies on charging high rates. My daughters have gotten these kind of Title and Cash loans and it's a vicious cycle. If a person had the money in the first place to pay bills or eat, they would not have to go to one of these places. Then when they cannot pay the interest on their loans, they end up coming to me for help. These companies will suck out your blood and everything they can. Stop them!
My mom received a call from someone saying they were trying to get a hold of me. They left a number for me to call. I call it back. My first question was how did you get my mother’s number. They responded the federal database. I didn't think they could do that. They said they wanted to serve me with papers for a loan I took out in 2006. I don’t remember it. It was 300. They said but I owed 1900 or I would be going to court maybe jail. Eight later, she’s like are you gonna tell me someone came in your house and used your computer with your information to take it out. She scared me into submitting. But after I read all of this, I'm having second thoughts.
LMI(?) of Los Angeles (?)/618-340-7566, called and said I owed $300.00 to this PAYDAYLOAN-YES for a loan made in 2012. They were going to send me all pertinent information, including the IP address of the computer used. My next step is to contact the local constabulary and have LMI and the loan company investigated.
I have been getting calls from different phone numbers but with the same case #. I answered the phone today that is a local number and found out that it was the same company that had called me before from an out of state number. I had filed Chap 7 bankruptcy and added them in to the filing. When I told them that they said that they are mediator not someone that can help me. I needed to call the plaintiff on the case. The payday loan was from 2009 and I told them I had no idea on it and I didn't do anything to fraud. I called the plaintiff and it was the same person that called me earlier in the day. I called my attorney and had them call because they shouldn't be contacting me. I have looked up this company and noticed that it has a lot of negative results. They said that I was going to be taken to court and fraud charges are being against me. Should I believe them or not?
I was harassed by a litigation company claiming to contact me on behalf of Payday-Loan-Yes. This litigation company claimed I borrowed money from this loan company January of 2011 and if I didn't pay the balance of roughly $489.00 I would be taken to court. I was given phony addresses of where I supposedly lived and when I asked for the loan company's telephone number to clear up the issue, I was given a phony 800 number that didn't work. I don't know how these people got my information. In January 2011, I didn't even have the cell number I currently have. I'm sure I'm not the first person to have this problem. I was just wise enough to ask the right questions and my answers could not be given.
I took a loan out with this company and was charged $30 per $100 borrowed, I agreed to this agreement. I paid all money owed and then have to borrow again. This time I was charged $50 per $100. When I made the first payment I found out that the was raised without notice. I contacted the company and received the following email response: "After review, I show that you are a monthly customer. Our fees for monthly customers has changed. The fee for $100 is now $50... I apologize for any inconvenience." I have since contact the Better Business Bureau and filed a complaint with the California Attorney General and the US Attorney General and the San Diego City Attorney Office. STAY FAR AWAY FROM THIS COMPANY which is owned by Global Payday Loan, LLC according to the Utah BBB.
On 17 Sept. 13, I received a call from a company (Legal Check Recovery Service). The man identified himself as Richard **, phone number (512)541-1534. He identified a case number ** related to the loan of $840.00 that was taken out from a company known as Pay Day Loan Yes. He indicated the loan account was ** and that the transaction took place on 22 Dec. 2010. Further, he stated that the transaction was done over the internet. He implicated felony charges will be brought against me if I do not resolve the matter within 24 hours. He indicated the settlement amount would be $1,540.00.
I am insulted at age 74 and being confronted by this scenario. First, the Chevy Chase Bank was bought out by Capital One Bank on 10 Sept. 2010. Second, I do not recall making such a transaction on 22 Dec. 2010. Mr. ** indicated his company sent notification to ** Wisconsin Ave. in January 2012. That address is the mail drop for the homeless and it is not a residence. Please help me with resolving this matter.
I have been harassed with this so call litigation firm called United firm saying I will be summon to court because of a balance owed to Payday Loan Yes. When I asked and question them with the information they have and where all of it comes from, they could not provide me with any other information so I can contact this company and find out what is going on. At this point, I really think this a scam and after investigating, there should be a class action suit!!! Why the company itself never contacted me regarding any money I allegedly owe?!!! Why did they have to go through a so call litigation firm for a lawsuit first?!!! I will be contacting the Better Business Bureau about this situation.
Well I took out a loan in 2011 and paid it off. Now I have two different places that are contacting me from payday loan yes and neither one knows what money I borrowed and no one knows who I can call to straightened this out and it sounds like a scam.
I received a call from a Mrs. ** stating that she was from Check Systems Fraud Division. She stated that in 2011, I took a loan out with Loan.com for $300 and that if I did not pay the $300 owed, they would send a summons out tomorrow and I would have to go to court of Cook County and would have to pay them over $2,000. I told her that I did not take out a loan in 2011 and that the account with Chase had been closed for over 2 years. She was talking fast and said if I refused to pay, I would be summoned to court. I hung up on her.
I checked my paperwork because I did not remember. So I called Chase and decided to call the number back and found out that the loan was taken out in 2009 but it was paid in full in 2010, from Payday Yes. Ha. Gotcha. I am waiting on that summons because I was told to come to the Bank with dates and they would look it up and now I have the dates. They have been paid but of course, the number has changed. My bank said Check Systems do not call you about payday loans, only for money owed the bank.
I had an account with them several years ago. When I attempted to pay the last payment, I notified them that my bank account had changed. I sent them the correct account number before payment was done. Guess what?? They attempted to draft the wrong account. I notified them verbally and via fax a second time of the new account. Never heard anything from them. Now, 6 plus years later, a law firm has my account and they want $1890.00 for a $300.00 dollar loan. They must be out of their minds. I will pay the $300 but the rest, they can stick it!!
I have read all of the comments here about how paydayloanyes.com has been ripping people off. They go under many names and the newest one, I believe, is USA Cash Express. Please don't be worried about this company. This is one of the biggest scams going on the internet and I can't wait for the day that these thieves are bought down. I had the same experience as most of you. I live on a fixed income, am disabled and needed cash. I applied for the loan online, sent the pay stubs and bank info and waited for a response. I got a call right away after applying online and was told that I was approved for $300.
After reviewing the fees and looking them up at the BBB, I decided not to take the money. Imagine my surprise when the money was in my account the next day. I was furious because I, too, did not give them authorization. There was no electronic signature, etc. Anyway, I closed my account completely the very next day and the only way that I could close the account was to take out the $300 that they put in my account with me. I had no choice because I knew what was coming after researching them, which is something I should have done first.
I contacted them the next day and asked how I could return their money. They stated that I would have to give them my new bank info. I told them I hadn't opened a new account and if they wanted their money, then I needed an address in order to return it to them via cashier's check or money order. Naturally, they didn't have one. Long story short, I moved to another state and started getting my SSD checks via mail. Of course, that is about to change as of 3/1/2013 so I'm not sure about opening another account in another state, because I had read stories of other victims who had done the same thing and somehow these thieves found a way to get into their new accounts as well.
I'm sure it's because they have our SS#'s. I had so many phone calls from them all stating the same thing; they were going to sue me, called me names, threaten to go to my work, etc. After talking to Bonnie, Anthony and who knows else, they put some official-sounding guy on the phone who said he was an attorney. Please do not be intimidated by these thieves. They can't take you to court because then they would be exposing themselves for what they are. They finally quit calling me when I told them to please take me to court, that I would like nothing better than to expose you.
I also reported it to the police and kept all documentation. I even told the police that I had their money and after finding out what crooks they were, I didn't feel a bit guilty about keeping the money, but the truth is, I'm an honest person and would have gladly given them their money back had they just given me an address. I would still give them their money back to this day, but I would be lying if I said I didn't get a good feeling knowing that someone had scammed them for a change, especially after reading how much they had ripped off other people.
The dark side of me says to advice you all to get the loan, then go close your account the next day and take their money, but it's not ethical for me to tell you to do that. However, if enough people did it to them, perhaps we would put them out of business once and for all. It's just a little scary knowing that a number assigned to you for life has the ability to make your life a living hell once it lands in a crook's hand. My fervent prayer is that we find a way to police these cyber criminals, and I have to say that I find it a bit ironic that you can trace an IP address, but you can't find a physical address to catch them.
The best way to deal with these crooks is not to deal with them at all. We all get in desperate situations where we need money but never do it online. If they continue to hassle you with threats of being sued, coming to workplace, etc., then tell them to go ahead and take you to court. I guarantee that you won't hear from them again. However, you will still have to close your account and wherever you open a new one at, be sure to tell the new bank about this or better yet pay the extra $5 fee for identity theft protection.
This week alone, there were numerous reports about identity theft and some who were caught in Newark, NJ. It seems like some are being caught, but there are plenty more waiting and willing to try and scam people by sitting on their ** all day instead of getting a job like everyone else. The bottom line is that desperate people are the easiest prey and I know, because I've been there. I hope this helps ease some of your burden where this is concerned. Just please go and close your accounts now. I know that it's probably inconvenient but your pocketbook will thank you. If you really didn't sign the electronic signature, which by the way could be pulled off your hard drive for proof, then stand your ground and tell them to sue away. God bless!
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