- Report: #151592
Complaint Review: 200cash.com - 300cash.com
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| 200cash.com - 300cash.com 110 W. Ninth Street
Wilmington, Deleware U.S.A. |
|
200cash.com - 300cash.com debited my checking account $19.99 for application fee, did not receive any loan, ripoff Wilmington Deleware
*UPDATE Employee: Rebuttal: 200CASH.COM, INC.
*Consumer Suggestion: Please read this carefully. Payday lenders are the scum of the earth.
*REBUTTAL Individual responds: 200cash.com
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
My checking account was debited $19.99 for an application fee but the company never put the $200 loan into my account. I have faxed and emailed them, they have NO contact number listed on the website for you to call. It is hard to find a contact number using directory assistance online or by phone.
TT
Raleigh, North Carolina
U.S.A.
TT
Raleigh, North Carolina
U.S.A.
This report was posted on Ripoff Report on 07/28/2005 11:44 AM and is a permanent record located here: http://www.ripoffreport.com/r/200cashcom-300cashcom/Wilmington-Deleware/200cashcom-300cashcom-debited-my-checking-account-1999-for-application-fee-did-not-151592. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 UPDATE Employee
Rebuttal: 200CASH.COM, INC.
AUTHOR: Don - (U.S.A.)
SUBMITTED: Monday, December 05, 2005
1. There is a notice for the application fee on the last page of the application process. It is in large text and in plain view. See here:
https://www.200cash.com/secure/new_check.asp
2. The courts understand that application fee means a fee to apply and , like other industries, is non-refundable and is used by the company to offset application and credit / employment verification. Payment of this fee has no bearing on whether or not the applicant is ultimately approved and funded. (Many of us remember paying an app fee for an apartment rental app for example. This fee is never refunded if they don't approve you)
3. The website allows the applicant to simply leave at any point and avoid the app fee charge.
4. The approval notice is conditional. The text says approved pending verification of your information. This allows them a chance to verify the information submitted before making the loan.
5. The approval (pending) notice comes AFTER pushing the submit button UNDER the app fee notice text, not before.
6. 200CASH.COM, INC. is licensed in the State of Delaware as a Small Loan Agency. License number: 2003102706. This can be confirmed by contacting the State of Delaware, Division of Revenue. (We are not a Bank or Financial Institution, we are a Small Loan Agency.)
https://www.200cash.com/secure/new_check.asp
2. The courts understand that application fee means a fee to apply and , like other industries, is non-refundable and is used by the company to offset application and credit / employment verification. Payment of this fee has no bearing on whether or not the applicant is ultimately approved and funded. (Many of us remember paying an app fee for an apartment rental app for example. This fee is never refunded if they don't approve you)
3. The website allows the applicant to simply leave at any point and avoid the app fee charge.
4. The approval notice is conditional. The text says approved pending verification of your information. This allows them a chance to verify the information submitted before making the loan.
5. The approval (pending) notice comes AFTER pushing the submit button UNDER the app fee notice text, not before.
6. 200CASH.COM, INC. is licensed in the State of Delaware as a Small Loan Agency. License number: 2003102706. This can be confirmed by contacting the State of Delaware, Division of Revenue. (We are not a Bank or Financial Institution, we are a Small Loan Agency.)
Respond to this report!
What's this? #2 Consumer Suggestion
Please read this carefully. Payday lenders are the scum of the earth.
AUTHOR: Mark - (U.S.A.)
SUBMITTED: Tuesday, August 16, 2005
The way the loans typically work creates a spiral of never ending debt. If you are on such dire straights that a payday loan seems to make sense, what are the chance that you will be solvent in two weeks?
To make matters worse, the effective interest rates are normally in excess of 700%. Your local loan shark wouldn't even consider such a high rate.
Tough it out. It is worth it in the long run.
To make matters worse, the effective interest rates are normally in excess of 700%. Your local loan shark wouldn't even consider such a high rate.
Tough it out. It is worth it in the long run.
Respond to this report!
What's this? #3 REBUTTAL Individual responds
200cash.com
AUTHOR: Tiffany - (U.S.A.)
SUBMITTED: Tuesday, August 16, 2005
I applied for a short-term payday loan with 200cash.com, and an automated debit of $44.00 was taken out of my account today, 08/16/05, but I never received a loan from them. I have sent them an email, and have been trying to located a phone number. If anyone has any information for me, I would greatly appreciate it.
For the other two current complaints, have they taken any other further debits out of your accounts? Also, have you contacted your bank? If so, I would greatly appreciate some advice on how to stop these debits - I have only had 1 debit, but want to stop further ones.
Thanks so much!
For the other two current complaints, have they taken any other further debits out of your accounts? Also, have you contacted your bank? If so, I would greatly appreciate some advice on how to stop these debits - I have only had 1 debit, but want to stop further ones.
Thanks so much!
Respond to this report!
What's this? 
