Report: #1039991

Complaint Review: EZPAYDAYCASH

  • Submitted: Tue, April 02, 2013
  • Updated: Wed, April 17, 2013
  • Reported By: Chris M — San Marcos California

    United States of America

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

I took out a loan with these guys, back in November 2012 for $400.00. The representative told me that the total loan payback was $480.00, with 4 payments of $120.00.  The first 3 payments were made directly out my checking account, as expected.  The 4th payment was returned, because that payment was posted at a different time as the other 3 (because of holidays etc.). Of course I was charged by my bank $29.00 NSF fee.

Just yesterday, April 1st, not only the last $120.00 payment came out, but they charged a "late fee" of $140.00 and took an additional $400.00 (The original loan amount) for a total of $660.00!

I called them and spoke with a representative named Octavia. After providing my information for verification, she told me this; since it was my first loan with them, & I missed on payment, they will charge $120.00 amount that is due, $140 "Late Fee" for NSF, & they take the entire loan amount borrowed & close that account!

When I asked, what happens to the other 3 payments of $120.00? She told me "the other payments that I made does not apply to the actual loan balance, it's just a fee we charge for the "monthly renewal of the original loan, until you pay the actual loan back, which is $400.00."

I highly recommend not to use these folks by any means! Yes, there are credible payday loan institutions out there, make sure you do your research first! Stay away from these guys! I'm going to report them not only to the Better Business Bureau, but to the Utah Department of Institutions as well, listed on their website, because Ezpayday Loan doesn't provide their address on any of their websites! 
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This report was posted on Ripoff Report on 04/02/2013 10:38 AM 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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#1 Author of original report

Thank You Your Loan Has Been Paid Off!

AUTHOR: Chris M - ()

Since that last report, Ezpaydaycash, said that they didn't have my information in their computer program & wanted me to send them my information (again) to verify it! Makes no sense, however, on Tuesday, April 9, 2013 at 2:40 am I received the following e-mail; 

Thank you! Your loan is now paid in full. We would like to congratulate you for successfully paying off your recent loan! We hope that we have met your expectation in providing you the customer service that you deserve. If you should need our services again, please don't hesitate to call on us. Because you are our returning customers, there are NO credit checks, nothing to fax and you get your cash deposited into your account quickly! To request another loan, please don't hesitate to: 

1. Apply online 24 hours a day at 

2. Email your request 24 hours a day at 

3. Fax in your request 24 hours a day to 1-866-735-6859 

4. Call us during our normal business hours, from 8:00 AM to 8:00 PM EST, Monday through Friday, at 1-866-735-3420. Thank you for your attention in this matter. Once again, we appreciate your business and look forward to serving you. 

Sincerely Yours, 

The Support Team
Telephone: 1-866-735-3420
Fax: 1-866-735-6859
The easiest way to get your cash advance! 

If they did not have my information on file, then why send me an e-mail stating that congratulations, you loan has been paid off! So, that means I am out of $1000+ dollars for taking out a $400 loan! I urge people, stay away from these guys!
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#2 Author of original report

Rebuttal to EZPAYDAYCASH Response

AUTHOR: Chris M - ()

It's amazing that these guys at EZPAYDAYCASH have the nerve to actually respond to my post saying "we have tried finding your account in our software & could not locate the same. Looks like you don't have any Loan with us." Even though, I have transaction numbers from my bank through Electronic Funds Transfer (EFT), and consumer complaints from the states of Washington, California & others for being under investigation for fraudulent lending practices.  This company also has an "F" Rating through the Better Business Bureau (BBB), Complaints through the Consumer Affairs Agency & other credible places places on the web that warns consumers about this type of financial lending places.

I look at it this way, I am warning other potential consumers to stay away from this place & don't be scammed like I was! 
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#3 REBUTTAL Owner of company

Customer Account Not Found

AUTHOR: EZPaydayCash Support - ()


We are sorry to hear this. This is Keyes from EZPaydayCash Customer Support. We have tried finding your account in our software and could not locate the same. Looks like you dont have any Loan with us. We have thousands of Happy Customers and we never charge our customers more than what we mention in our Loan Agreements. Can you please send us your account number and email to We will resolve the issue in case if there is any discrepancy.

EZPaydayCash Support Team
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