Report: #1098334

Complaint Review: cashnetusa

  • Submitted: Sun, November 10, 2013
  • Updated: Sun, November 10, 2013
  • Reported By: 100 LUKE STREET — Bossier City Louisiana
  • cashnetusa
    200 WEST JACKSON, SUITE 2400
    CHICAGO, Illinois


Show customers why they should trust your business over your competitors...

What they really want is a way in to scam and manipulate you out of your money. I found them online. I was approved for a loan of $400. I was told that they would make withdrawals from my account in the amount of $145 until the loan was paid in full.....(WHAT!) whatever I repaid $467 in advance of the required due date. I did not receive an auto draft, I did not give them the chance to draft my account, I'm just that way and I would rather too pay my bills than have someone accessing my account routing and account number unnecessarily. Here's the funny part: After I made the payment. No other fee's could be collected, and I wanted to request a later loan for a day of fun at our State Fair, but refuse to pay the loan back in broken payments like they wanted. And told them. "No I will accept the loan and repay it back in full not payment arrangements." They declined my new loan request and they locked my account. This is an exact copy of the chat I held with one of the online Chat Reps: from their online site after viewing my account was locked:

Hello! Welcome to CashNetUSA, America's trusted online lender. A representative will be with you shortly.
You are now chatting with Eugene.
Eugene: Welcome to CashNetUSA online support! In order to verify that you are the account holder, can you please provide me with your home phone number and the last four digits of your social security number?
Patience Burns: 31845-09--
Patience Burns: *****0510
Eugene: One moment while I access your account.
Patience Burns: sure
Eugene: Thank you for verifying your information Patience. I received your message. I'd be happy to answer that question for you. Please hold while I review your account.
Eugene: Please hold for a moment. I will be right with you.
Patience Burns: okay
Eugene: I do apologize but at this time Patience we will not be able to provide you with an advance because you are declined with our company.for your privacy we do not get the reason why you are declined. If you would like a statement of specific reasons why your application was denied, you must submit a request in writing to the attention of the Credit Service Manager at our mailing address within 60 days of the date of the decline. We will provide you with the statement of reasons within 30 days after receiving your request. Our mailing address is: CashNetUSA
Eugene: Attn: Credit Service Manager41050491539107*****
Eugene: 200 W. Jackson Blvd, 14th Floor
Eugene: Chicago IL, 60606-6941.
Patience Burns: what is this
Patience Burns: for
Patience Burns: o wait was there some type of credit check needed for the company
Eugene: No Patience we do not run a credit check
Patience Burns: then why on earth do I need to write a letter?
Eugene: So you may receive the reason why you are declined from taking out an advance.
Patience Burns: can I email a letter I don't write letters....thats prehistoric
Eugene: I do apologize, but the only way to reach our credit service manager will be by writing a letter.
Patience Burns: lol...really? are they in alaska or something. are perhaps a decade behind us.
Patience Burns: no one uses postal stamps anymore
Patience Burns: i don't even know where to find a postal stamp
Eugene: I do apologize Patience, however if you would like the reason you are declined you will have to write the letter.
Patience Burns: can they offer a phone call. or simply mail me the reason. I mean, I am requesting the information
Patience Burns: since it is their desire to use the inconvenient method of postal
Eugene: I do apologize Patience, they must receive a written letter requesting the reason before they can send out the reason why. There is no way around it, I do apologize if this may cause any inconvenience.
Eugene: I have not heard from you in a while. Can I ask if you are still with me? If I do not receive a response from you, I may have to close this conversation to assist another customer.
Patience Burns: well thank you very much for not helping much. this is getting nowhere and is beyond the most ridiculous thing I've ever had a loan company sat or request of me. the don't accept emails, can't perform outbound calls concerning guys should really post those major set backs on your website
Patience Burns: basically all your company did was hijack all my personal information and ran with it
Patience Burns: you demanded the routing and account number, my personal information set me up with a fake account and then said its block for no lawful reason
Patience Burns: my information is in your system. my SSN and telephone and your company can't provide me a call. That is a violation
Eugene: I do apologize about the inconveinece, however if you would like to know why you are declined from taking out an advance you will have to write the letter. Is there anything else I can help you with today?
Patience Burns: yes
Patience Burns: you can tell me how I can erase my personal information from your system
Patience Burns: so that I can protect my banking information
Eugene: I do apologize however CashNetUSA cannot honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. Please see the CashNetUSA Privacy Policy for more details regarding the collection and use of customer data. Each CashNetUSA customer acknowledges that he/she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website.
Patience Burns: scammers! I be sure to let the public online know how shabby the company is. this company should never be trusted with important or personal information. good day!
Eugene: I have not heard from you in a while. Can I ask if you are still with me? If I do not receive a response from you, I may have to close this conversation to assist another customer.
Eugene: I do apologize that we were unable to satisfy your needs, if you would like to know the reason you are declined you are welcome to write the letter to the address above.
Eugene: Is there anything else I can help you with today?
Patience Burns: I will also be sure to post this entire conversation as proof to the company's nonsense. no I don't need anymore help Eugene
Eugene: I'm sorry for the delay. I'll be right with you.
Eugene: I'll be right with you.
Eugene: Thank you for waiting. I'll be with you in just a moment.
There may be a problem communicating with Eugene. Please wait while your chat is transferred to another representative.

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This report was posted on Ripoff Report on 11/10/2013 01:19 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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