• Report: #927353

Complaint Review: One Click Cash

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  • Submitted: Tue, August 14, 2012
  • Updated: Tue, August 14, 2012

  • Reported By: Karen — Aquebogue New York United States of America
One Click Cash
Internet United States of America

One Click Cash Company lied in regards to their terms and conditions and repayment schedule Internet

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I was solicited via email to take advantage of a payday advance through one click cash.  Being out of work for the summer months, one click cash was willing to advance me $400.00. I would pay back $520.00 for this loan.  I proceeded with their on line application process, in which I read carefully.. It asked for your employment and how you were payed; ie: weekly, bi-weekly or monthly.  I checked that i was payed bi-weekly.  They asked for my date of birth, social security number, etc in addition to 3 references.  At the end of the process a loan agreement re-payment was provided, which I read.  It stated that the amount of money I would be charged was $120.00 per month in loan fees. This was not to be applied to the principal amount of $400.00.  I could add an extra $50.00 per month in addition to the $120.00 with the $50.00 being applied to the $400.00 principal.  At the end of the on line loan process a representative from one click cash called me to verify my information.  At this time i went over the monthly payments as stated above.  I was also directed to their website again to set up what payments i wanted in regards to monies towards the principal each month.  I was also informed that I would receive an e-mail 3 days before they were to withdraw monies from my checking account.  I never did. 
I called one click cash the week of 7/27/12 and informed them that my first payment for July needed to be only $120.00 and for August the same.  I explained that I work for a School District and do not receive any monies for those months.  the representative stated, that she would submit that request for approval and I would be notified via e-mail.  On 7/27/12 $120.00 was deducted from my checking account without ever receiving an e-mail.. The next payment of $120.00 according to my understanding was to be deducted at the end of August. 
On 8/10/12 another $120.00 was deducted from my checking account, which was only two weeks later.   I called One Click Cash immediately at 1-800-230-3266.  I was then informed that they would be taking $120.00 from my account every two weeks.  I was beside myself, explaining to the representative, that this is not what I agreed to.  I would never have applied for this loan.  I informed them that all their representatives informed me that this was a monthly repayment, which also was stated during the application process.  I was told that i was imagining things.  I was informed to write and email or fax a letter to their compliance department.  I asked to be connected to their compliance department and was informed that they only accept emails at compliancedepartment@oneclickcash.com or faxes at 1-800-491-6913.  I hung up and went back to the website to locate an address for this company and was locked out of my account with them.  I called them back and they refused to talk to me and referred me again to their compliance department, which i could contact by fax or email. 

I forwarded a letter to their compliance department on 8/13/12 via email in regards to the aforementioned details listed above.  I was informed via email that i would receive a response in 3 to 4 hours. I did not.  Today, 8/14/12 I received a response from One Click Cash, which did not answer one question in my email to them.  they are requesting bank statements, pay stubs. voided checks, award letters???? 

I will be closing my checking account as I was advised to do so, by the local District Attorneys Office here in New York.  I was advised that One Click Cash will call my job, incessantly and harass me beyond toleration.  I would like to know where they are located, so that i may contact them, but as i stated before was locked out of their website.  Please, any help in this matter would greatly be appreciated, as I feel these people are criminals, preying on the needy.

This report was posted on Ripoff Report on 08/14/2012 07:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/One-Click-Cash/internet/One-Click-Cash-Company-lied-in-regards-to-their-terms-and-conditions-and-repayment-schedu-927353. 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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