Cash Call collection practices Ripoff Fountain Valley California

Cash call is one of those places that charges exhorbitant interest rates (roughly 95 to 98%) on a loan. After 40 monthly payments, your paying approximately 3 to 4 times the original loan amount. In her case, that's a good 20 grand. Doesn't that sound like highway robbery to me? Sure, it's said you should read the contract first. But hey, when your hard up for money, 5 grand sounds mighty tempting.

They willingly prey on people by charging that much interest. How logical is it to charge that much interest on a simple personal installment loan? Citi Financial, Chase, national and local banks, and credit unions will charge a maximum of 20% for similar loans. Why? They aren't in it simply to milk the customer dry. They want to appear appealing to the average consumer AND make money in the long run with repeat business.

If charging nearly 100% interest on a loan like this sounds appealing, then I wonder about their future. Furthermore, treating customers like that is indicative of what kind of company they are. A bunch of low life, scummy, loan sharking, money hungry, gold chain wearing Cousin Guido loaning garlic smelling pasta eating dago's must be working for them.

I say they make plenty of money ripping people off with the bordering on Usuary laws high interest rates. Obviously they made this business to take advantage of people who are in a bind. They KNEW that when they set the interest rates of their loans (probably in the basement of some big warehouse which houses prostitutes and drug runners).

If I was her, I'd blow them out my arse with a giant wet fart next time they call. Or send them a picture of me flipping off the camera and tell them to sit on that finger and rotate. If they got harrassing like that with me, I'd fight back in my own special way.

But hey Cynthia, it's not worth the nearly 15 grand in interest you would pay for the entire loan..if you aren't reliant on credit for the next 7 years, I'd tell them to buy a toy monkey and start spanking it cause they won't get any more money out of you. There's other ways to annoy the heck out of them via mail, without getting in trouble, nonetheless.

Good luck fighting these wops.

Great name Cindi! I'm with you. Mike does have a lot of time on his hands since I've seen his wonderful comments on others' posts. Never have I seen one person know so little about a subject as "our" Mike.

Cindi, I just got another of many letters from Cash Call concerning how "helpful" they want to be. I have not and will not respond. In my post I stated I have paid them $6,000.00 over the past 2 years. In this letter they stated my loan stands at $5,039.00. This means to me that the entire amount I paid went straight to interest!!! What does that say about this company? To pay $6,000.00 on a $5,000.00 loan is ludicrous and I will NOT pay them another dime.

Now, Mike, I know the logic on this site goes beyond your limited comprehension but try to make statements to us poor slobs and use a little empathy. Honestly!

But Cindi, I am in total agreement with you. I haven't had the chance to report this to my state's Attorney General, nor California's Att. Gen. I will do this in time.

My biggest concern is that no one seems to be able to get the ball rolling with a class action suit. This company goes above and beyond the limits of the law on several levels. I work for a well known credit card company and we had to study the Fair Credit laws. They go so far out of what is allowed I'm stunned each time I read a new report. I wish someone would give us info that we can actually use to contact a tort attorney.

Keep up the excellent comments, Cindi. People like Mike, who knows nothing about our situation and therefore is unable to offer anyone constructive comments, seems to only be able to spout his high-handed opinions on how wrong we all are. I've gone back and forth with him myself and, really, he is quite tiresome.

Ta for now and I hope we all come out of this okay.

Not you Mike.

Great name Cindi! I'm with you. Mike does have a lot of time on his hands since I've seen his wonderful comments on others' posts. Never have I seen one person know so little about a subject as "our" Mike.

Cindi, I just got another of many letters from Cash Call concerning how "helpful" they want to be. I have not and will not respond. In my post I stated I have paid them $6,000.00 over the past 2 years. In this letter they stated my loan stands at $5,039.00. This means to me that the entire amount I paid went straight to interest!!! What does that say about this company? To pay $6,000.00 on a $5,000.00 loan is ludicrous and I will NOT pay them another dime.

Now, Mike, I know the logic on this site goes beyond your limited comprehension but try to make statements to us poor slobs and use a little empathy. Honestly!

But Cindi, I am in total agreement with you. I haven't had the chance to report this to my state's Attorney General, nor California's Att. Gen. I will do this in time.

My biggest concern is that no one seems to be able to get the ball rolling with a class action suit. This company goes above and beyond the limits of the law on several levels. I work for a well known credit card company and we had to study the Fair Credit laws. They go so far out of what is allowed I'm stunned each time I read a new report. I wish someone would give us info that we can actually use to contact a tort attorney.

Keep up the excellent comments, Cindi. People like Mike, who knows nothing about our situation and therefore is unable to offer anyone constructive comments, seems to only be able to spout his high-handed opinions on how wrong we all are. I've gone back and forth with him myself and, really, he is quite tiresome.

Ta for now and I hope we all come out of this okay.

Not you Mike.

Great name Cindi! I'm with you. Mike does have a lot of time on his hands since I've seen his wonderful comments on others' posts. Never have I seen one person know so little about a subject as "our" Mike.

Cindi, I just got another of many letters from Cash Call concerning how "helpful" they want to be. I have not and will not respond. In my post I stated I have paid them $6,000.00 over the past 2 years. In this letter they stated my loan stands at $5,039.00. This means to me that the entire amount I paid went straight to interest!!! What does that say about this company? To pay $6,000.00 on a $5,000.00 loan is ludicrous and I will NOT pay them another dime.

Now, Mike, I know the logic on this site goes beyond your limited comprehension but try to make statements to us poor slobs and use a little empathy. Honestly!

But Cindi, I am in total agreement with you. I haven't had the chance to report this to my state's Attorney General, nor California's Att. Gen. I will do this in time.

My biggest concern is that no one seems to be able to get the ball rolling with a class action suit. This company goes above and beyond the limits of the law on several levels. I work for a well known credit card company and we had to study the Fair Credit laws. They go so far out of what is allowed I'm stunned each time I read a new report. I wish someone would give us info that we can actually use to contact a tort attorney.

Keep up the excellent comments, Cindi. People like Mike, who knows nothing about our situation and therefore is unable to offer anyone constructive comments, seems to only be able to spout his high-handed opinions on how wrong we all are. I've gone back and forth with him myself and, really, he is quite tiresome.

Ta for now and I hope we all come out of this okay.

Not you Mike.

I have already said this on other posts, but since you're new, I'll mention it here too.

I don't search for CashCall reports. I enjoy "browsing" the latest reports on ROR (see Home page for "browse latest reports" function) to both keep myself informed on scams and companies, try to point people in the right direction for help, as well as for the fun of it. Some of them can be entertaining. However, if I feel that a person is at fault, I have every right on a public message board to say so. I've given good advice on help where I could, and pointed out issues or problems with stories on others.

I never said YOU said I work for CashCall. I said that "I always find it amazing that every time I point out a posters fault I am accused of working for that company or industry". Correct me if I'm wrong, but wouldn't "industry" cover working for collections?

Based on this statement:

"its a debt I am not going to freak out over a couple thousand dollars"

and the fact that you never mentioned in your previous posts that you've continued making payments, I made the assumption that you haven't paid them anything, especially since your posts are 3 months apart. Nowhere in your posts does it state you are making payments.

I have already said this on other posts, but since you're new, I'll mention it here too.

I don't search for CashCall reports. I enjoy "browsing" the latest reports on ROR (see Home page for "browse latest reports" function) to both keep myself informed on scams and companies, try to point people in the right direction for help, as well as for the fun of it. Some of them can be entertaining. However, if I feel that a person is at fault, I have every right on a public message board to say so. I've given good advice on help where I could, and pointed out issues or problems with stories on others.

I never said YOU said I work for CashCall. I said that "I always find it amazing that every time I point out a posters fault I am accused of working for that company or industry". Correct me if I'm wrong, but wouldn't "industry" cover working for collections?

Based on this statement:

"its a debt I am not going to freak out over a couple thousand dollars"

and the fact that you never mentioned in your previous posts that you've continued making payments, I made the assumption that you haven't paid them anything, especially since your posts are 3 months apart. Nowhere in your posts does it state you are making payments.

I have already said this on other posts, but since you're new, I'll mention it here too.

I don't search for CashCall reports. I enjoy "browsing" the latest reports on ROR (see Home page for "browse latest reports" function) to both keep myself informed on scams and companies, try to point people in the right direction for help, as well as for the fun of it. Some of them can be entertaining. However, if I feel that a person is at fault, I have every right on a public message board to say so. I've given good advice on help where I could, and pointed out issues or problems with stories on others.

I never said YOU said I work for CashCall. I said that "I always find it amazing that every time I point out a posters fault I am accused of working for that company or industry". Correct me if I'm wrong, but wouldn't "industry" cover working for collections?

Based on this statement:

"its a debt I am not going to freak out over a couple thousand dollars"

and the fact that you never mentioned in your previous posts that you've continued making payments, I made the assumption that you haven't paid them anything, especially since your posts are 3 months apart. Nowhere in your posts does it state you are making payments.

I have already said this on other posts, but since you're new, I'll mention it here too.

I don't search for CashCall reports. I enjoy "browsing" the latest reports on ROR (see Home page for "browse latest reports" function) to both keep myself informed on scams and companies, try to point people in the right direction for help, as well as for the fun of it. Some of them can be entertaining. However, if I feel that a person is at fault, I have every right on a public message board to say so. I've given good advice on help where I could, and pointed out issues or problems with stories on others.

I never said YOU said I work for CashCall. I said that "I always find it amazing that every time I point out a posters fault I am accused of working for that company or industry". Correct me if I'm wrong, but wouldn't "industry" cover working for collections?

Based on this statement:

"its a debt I am not going to freak out over a couple thousand dollars"

and the fact that you never mentioned in your previous posts that you've continued making payments, I made the assumption that you haven't paid them anything, especially since your posts are 3 months apart. Nowhere in your posts does it state you are making payments.

Mike, before you let that wonderful awe of amazement and the starry -eyed feeling of being oh so right take over, let me point out a little thing called attention to detail, or the lack there of..

I never said you worked for CashCall smart guy, I said collections, I may be dead wrong about the collections thing but I didnt say CashCall Further more, I still find it odd that anyone from any company or industry would waste their time looking thru posts to find faults in peoples complaints. Especially if they have no affiliation with the company the complaints are directed at. Where is the point in that??.. Do you have nothing better to do ?

All I can say is, you must be a busy guy, because, at last count, there are 144 + people on here with similar complaints about this very same company (You will have to search CashCall, then Cash Call) and this is just this web site alone. Try looking around the web as I have and see how many more you come up with, then you have to Imagine the people who do not have access to a computer. What is the number of people then?? Most of whom are not denying any debt to the company but the companys collection practices and overall conduct. All of us cant be wrong

Moving on, as I had already pointed out above, they may very well have the right to contact my refs, this is almost a mute point, but again, once they do get into contact with them, the content, and frequency of the calls goes above and beyond what is legal.This company acts as if they are thugs so stop dancing around the real issue here. And thats company conduct.

Ok, now lets talk location and logic perhaps I didnt make my self clear here I have been in the very same state, in the same place, since I took out the loan And as you can see next to my post, I am in Illinois The rep who advised my reference, that she was going to call around to everyone in the area with the same last name, to locate me.well, she was calling sunny Florida, and I havent been there in years. even if , and that is a huge if- they found someone who knew what my number was. They wont tell them anyway so go ahead, call around wont do them any good to call the wrong place. Again, mail something use some logic.

your last statement made no sense at all. who said I didnt tell them where I am?? ..again, I only changed my telephone number they still have an email and an address. And as far as paying them back, I dont recall ever saying I wasnt paying them back.. Did you read that somewhere I may be late But I am for sure paying. After all, once I get into court with these ba*tards I will need to show where I have been paying and as far as worrying goes, Life is short, I am not going to let some bully company and their forceful, unprofessional representatives frazzle me. There is no point in it If they get their money good, if not, Then take me to court. Its that simple

That just says it all don't it.

I always find it amazing that every time I point out a posters fault I am accused of working for that company or industry. Nope, I don't. Not that it makes a difference but I work for a financial company in NYC.

As for your post, a few things.

1. Your references are on your contract. You don't HAVE to give them permission, as I've stated, they can call any number they'd like to try and contact you. Therefore, any contact info they have is fair game.

As for the rest of your logic about being in a different state and not telling them where you are, and not worrying about paying back money you owe, well, that just says it all don't it.

Just some comments for you Mike, your questions are numbered as above, my response is starred
..wondering if you dont work in collections as well....

1. They have a right to call your references you listed and to inform them generically of why they are calling. Any rudeness is par for the course as they deal with the dregs of society and hear every excuse true or not 5000 times a day.

**..Hum, lets see here, I never signed anything stating that they may contact my references in order to contact me...they are not listed as alternate numbers... , other than for a reference when I applied for the loan

So say your right, and for whatever reason they are legally able to do so . Does this give them the right to antagonize, harass, use abusive tactics, and be argumentative when they contact them...? I think not furthermore, if a reference states to the caller that they no longer wish to be contacted by them, and ask to be removed as a reference and they ( the company collection agent / rep, whatever ) continues to call back anyway.. I am absolutely sure this is harassment furthermore, nothing they stated in the conversation with my reference was, generic... they informed the reference(s) exactly why and the for what of their call...and to add to that, there are laws that govern the content, time of the call, amount of calls, and overall character of the collection call..That which has not been practiced by the collection agent(s) at CashCall... hence, illegal collection practices

2. They are allowed by law to call any number they feel MAY lead them to finding you. It's allowed

**Sure, let them call any number they want... ( but to the collection agent that said she was going to call around for me.. you may want to have the right state... **smiles** ) I am absolutely sure they can but the question still remains...why do they need to call?? I would have to say just to bother you, just to be able to get under your skin in an attempt to get you to pay... to harass...guess, what... ain't working. again, mail something seems to me that calling around to track someone down, who isnt going to speak to them anyway, is a terrible waste of manpower and recourses certified mail seems to work best. but then, if logic prevailed, men would ride side saddle...

3. If the phone number they have for you don't work how can they be sure your mailing address is right?

** this seems like backwards logic to me.. phone numbers and addresses are two different things... well, there isnt really any way to be sure of the mailing address... you just dont know until you try.my suggestion is to SEND SOMETHING.if it comes back well then they know the address isnt any good .. In my case, my address is the same... no excuse here

They harass because they've found that when your family starts being bothered, it's embarrassing and people pay up faster.

** For me embarrassment isnt the issue, in the course of things, its a debt I am not going to freak out over a couple thousand dollars, nor am I going to let the company I owe it to make my life a living hell because I have experienced a hardship... the harassment to family and friends, however...irks me just a little bit... its not going to make me pay up any faster..It however, has made me turn them into every single consumer site possible, report them to a few government agencies, send a cease and desist, and turned in reports to a couple attorney generals offices

and I suggest anyone having the same issues do the very same..

I won't go into the whole "pay your bills and they will stop calling" as I usually do. That being said...

1.. They have a right to call your references you listed and to inform them generically of why they are calling. Any rudeness is par for the course as they deal with the dregs of society and hear every excuse true or not 5000 times a day.

2. They are allowed by law to call any number they feel MAY lead them to finding you. It's allowed

3. If the phone number they have for you don't work, how can they be sure your mailing address is right?

They harrass because they've found that when your family starts being bothered, it's embarrassing and people pay up faster.

okay, now I am mad.....

It has been three months since I last had a complaint about CashCall, now I am back with the same complaint.. their collection practices.

No one is saying I dont owe a debt...I took out the loan, I have to pay it back, right ??? riiiggggt.. okay. now that we are past that , lets talk about the collection practices.
I understand a company trying to collect on a debt, thats all well and good, and perfectly understandable. but when is it okay to curse, threaten, be down right unethical and rude, intrusive, and unprofessional.. never !!.. and thats just what they have done to me... so much so, that I had to change my cellular number due to the amount and frequency of the calls, even if they spoke to me on any given day.. the calls would continue throughout the day, and sometimes well into the night and even on holidays. and all of this is documented via a detailed cellular bill ....
now, lets talk about contacting my refrences... its one thing for a company, and I am talking to cash call here, to talk to me that way, and quite another to talk to my refrences that way.. today they called my father, who is listed as a reference on my loan documents, and had questioned him about my whereabouts, what my number is, and even asked him, " dont you keep in contact with your kids?" " how can you not know where they are?" and as well, the representative, by the name of Yvonne, even went on to state that she was going to call everyone with my last name in the area to find me... ( well, smarty pants, good luck with that .. Im not even in that state, dont you see my address there on a piece of paper ??) now what in the hell is that about ?????

.. humm, last straw cash call..

#1. I dont remember ever providing the listed refrences as alternate contacts. If so, sure like to see it...

#2. I am thinking that somewhere there is a law that says basically, you cannot advise other people that I owe a debt.. am i wrong here ???

#3. contacting other people, that do not owe a debt to you and asking them personal questions, thinking this isnt right either...

#4. calling around to find me, because you cant reach me via the phone is a bit much.. do you not have a mailing address for me ???? cant you just mail me something.. I have some mail here, and none of these companies have experienced any issues trying to reach me.. why are you having the problem ????

I would love to see a rebuttal from cash call... or better yet, lets see them get some class....