I obtained a $400 loan from CashNetUSA in June of 2007 and I promptly paid it back. Months later, I receive an email out of the blue saying that my password had been successfully changed on their website.
I sent them a fax the same day I received the password change email. My fax stated that I had reason to believe that my personal information and account had been compromised, and I demanded that they destroy all of my personal information stored on their computer systems.
They responded nearly a month later, with a new claim that I somehow owed them $1,500 for a loan I approved a month earlier. I approved nothing, and I told them as much on the phone. The person I was talking to immediately blamed my wife, saying "Your wife must have taken out the loan without telling you". I hung up on that insulting employee and I called back, getting a different insulting employee. That same pattern has continued ever since.
Everyone I have spoken to at CashNetUSA has been insulting, rude, and some of them barely have command of any language. They leave me voicemails sounding as if they were victims of a stroke. They are often hard to understand, and when I can understand their speech, it is often laced with threats and insults. I have yet to speak to an intelligent person over there, and I expect that I never will. They all use the same threat, saying they will go into my bank account and take the money. I simply laugh at them and hang up. I closed that account the day they sent me a bogus bill for a $1,500 loan I never approved.
I'm convinced that the most likely explanation for my mysterious and unapproved loan is employee fraud. A CashNetUSA employee, or group of employees wanted some extra holiday cash so they took the cash and tried to stick me with the bill. Whether or not management had knowledge of, or condoned these activities remains to be seen.
They have been violating no less than 9 laws and statutes regarding fair debt collection. They have yet to send me a single piece of information about my supposed loan, they just keep verbally saying that I owe them money. They have been instructed to contact my attorney only, but they don't listen. I could sue them in small claims court and win quite easily, but I have something much bigger in mind.
I intend to file a very large and very public suit against this poor excuse of a company. Class action would be best, so speak up! Either way, solo or class-action, I will pursue these people until justice is served and everyone knows about their practices.
Their biggest mistake was blaming my wife. It's game-on now. I live in Texas and as they say around here: "Them's fightin words".