• Report: #200936

Complaint Review: Usa Benefits, Cash Central, Commission Junction, Value Click

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  • Submitted: Thu, July 13, 2006
  • Updated: Wed, June 04, 2014

  • Reported By:Manteca California
Usa Benefits, Cash Central, Commission Junction, Value Click
84 E 2400 N North Logan, Utah U.S.A.

USA Benefits, Cash Central, Commission Junctionusa Benefits, Click ripoff, referral scam North Logan,Utah

*UPDATE Employee: Cash Central does NOT work with USA Benefits or prey on military

*UPDATE Employee: This report is untrue - Cash Central has never conducted business with USA Benefits

*UPDATE EX-employee responds: EX EMPLOYEE WITH INSIDER INFO - they love to prey on the U.S. Military

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Referral Scam, Apply for a cash advance thru CASH CENTRAL
and youll receive an offer way lower than anyone would use its not based on credit they just want you to say it not worth it a move on to another company. Well when you submit application for a loan your asked if you want credit counseling,refinancing,mortage info or credit card information, you uncheck all boxes and hit submit, then your reportedly approved for loan ( no amount shown yet) and a credit card, you click show me details and a $ 150.00/ $200.00 cash advance amount is given and nothing is furnished about Cedit cards.

I clicked off site forgot about loan amount and went searching for another financial inst to help. 30 days later a charge appears on my credit card stmt, FROM USA BENEFITS FOR MEMEBERSHIP FEE $ 19.95, i STOPPED PAYMENT, CALLED BANK,FTC, FILED REPORTS AND CALLED USA BENEFITS TO CANCEL WHATEVER THEY HAD ON ME. THATS WHEN I LEARNED BY USING CASH CENTRAL TO APPLY FOR A PAYDAY ADVANCE THEY GET ALL BANKS INFO UPFRONT THEN DENY YOU THE LARGER SUMS YOU NEED, SO YOU SAY NO BUT THEY ALSO HAVE LINKED THERE "SUBMIT" TO USA BENEFITS, WHO WAITS 30DAYS THEN BEGIN DEBITING YOUR BANK ACCOUNT. THEY CALL IT A TRIAL MEMEBERSHIP. I WENT BACK AND TRIED IT AGAIN READING EACH STEP THERE IS NO OPT OUT, NO WAY TO GET LOAN AND NO BE A VICTIM.

BEWARE CASH CENTRAL shows good standing WITH BBB in Utah. Its a legitimate short term loan financial company, actually they make their money by having your financial info and having another company debit your account.

Go to Commission Junction or Value Click Inc's website and read about affliate program, it shows you how to leagally become a affilate which mean leagally they sell you info want by acting as a advertising agent. and you too can steal people money higher fees are charged when ach info is traded

USA BENEFITS pays Cash Central everytime they send your information with ACH authorizations. then Cash Central looks innocent and fraud isnt readily noticed, but I found link by seeing similarity in password & usernames ( I give a slightly different variation name to each new account based on catagorey)

so I got my money back filed all the reports, made phone calls and sewed up the leak in my e world for the moment, but youre finances, bank accounts, and credit cards will be used again so keep checking your bank records daily if you used internet alot, cause these people make their money by stealing yours

Sharene
Manteca, California
U.S.A.

This report was posted on Ripoff Report on 07/13/2006 04:46 PM and is a permanent record located here: http://www.ripoffreport.com/r/Usa-Benefits-Cash-Central-Commission-Junction-Value-Click/North-Logan-Utah-84341/USA-Benefits-Cash-Central-Commission-Junctionusa-Benefits-Click-ripoff-referral-scam-N-200936. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Cash Central does NOT work with USA Benefits or prey on military

AUTHOR: Lysaem6776989902 - ()

I've worked in administration at Cash Central for 5 years and I can attest that this post is absolutely false.  Every single loan, the consumer is required to sign an agreement saying they are NOT in the US military.  If someone in the military does sign up for a loan, it is only becuase they were dishonest and submitted false documentation. 

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#2 UPDATE Employee

This report is untrue - Cash Central has never conducted business with USA Benefits

AUTHOR: Cash Central - (U.S.A.)

The data our customers entrust to us is our highest priority and supplies the bedrock of Cash Central's integrity as a company.



The issue raised here is a clear misrepresentation of Cash Central and the service we provide. The issue at stake is a company that was contracted through a lead relationship over two years ago. Many times, customers will find us through applying at another site. This third party site then refers their loan request to us, wherein we either deny or accept/fund the loan. Whatever other service third party sites may or may not offer is well beyond our control. In this case, the applicant filled out a loan form through a third party, who had also contracted with a fourth party (USA Benefits). When the applicant submitted her application for a loan at this third party site, the third party site was contracted with USA Benefits to share information. Cash Central was not aware of this and immediately terminated the relationship with the third party when it was brought to light.



To address the invalid points in the original post:



We do not make our money by collecting customer information and giving it to shady enterprises. All customer information is kept highly confidential and is not shared with third parties as per our privacy policy. Furthermore, we have never shared in any fees charged by a separate company.



Commission Junction and Value Click affiliate programs do not work as described in the original post. Affiliates are indeed contracted as an advertising agent, but they have no control over fees and ACH information is NEVER traded. The link clicked by customers is our proprietary link and comes directly to our site, where secure, reliable state licensed transactions are made.



Cash Central has never conducted business with USA Benefits.



The confusion lies in the fact this individual filled out an application on a third party page, which is why Cash Central has always advocated knowing your lender. Always ensure your application is being filled out on the first party site of a lender with contact information (including a phone number and physical address), a state license and secure connection. We do not recommend visiting sites that match you to a lender or promise to find you financing. These are third party sites which oftentimes do use your information to sell it off to various sources after matching you with a lender.



Cash Central works very hard at ensuring our customers have a safe, secure transaction.
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#3 UPDATE EX-employee responds

EX EMPLOYEE WITH INSIDER INFO - they love to prey on the U.S. Military

AUTHOR: John - (U.S.A.)

I worked for Cash Central for about three months. Once you are hired and start training they first tell you they are targeting the people whose credit score is from 0 to about 400. They then tell you on the phone that they don't do a credit check but they really do. One of the biggest things is when you request a loan they don't tell you over the phone most of the time is that if you make $600 every 2 weeks and you have a $300 loan out the finace fee will be $69 dollars, so what happens is they take the money out of your account which leaves you with about $140 so you need to take another and another loan out to stay above water.

One of the biggest things is customers will have applied for say $1000-15000 dollars but only get approved for anywhere from $100 to $300 for the first 2 loans then up to only $500 dollars. And what the company does is they will call your home and work until they can get your application approved.

I don't know about you but if some one called my work SIX times a day for weeks on end I would get in trouble. And another thing they love to prey on the U.S. Military. I even served with the U.S. Military for ten years and I hated seeing soldiers applying for their services because I know that if they default on their loan they will call their work and the next thing you know that soldier is in trouble. And if you did default on your loan they set it back up to take the funds out of your account with out you knowing about which asesses more fees to your checking account.
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