Report: #863591

Complaint Review: peppercash

  • Submitted: Tue, April 03, 2012
  • Updated: Mon, April 09, 2012
  • Reported By: htrabbit — Scottsburg Indiana United States of America
  • peppercash

    United States of America

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

I took out a loan from peppercash. I defaulted on the loan because I was in so deep I could not find a way out. They never contacted me or tried to work out any payment arrangements,instead they waited almost a year and then threatened to have me jailed for check fraud. Now I have not only had to pay off what they claim the check amount was which I disagree with , but they are making me pay an additional 400 dollars in fees. I never meant to defraud anyone and would have tried to pay them had they contacted me before they threatened to prosecute. Also they would only give me two days to come up with a partial payment even though I informed them that I have been very ill after sustaining a life threatening injury and hadn't worked in two months. I still am going to have to make arrangements to pay the remaining fees. These people are ruthless and I wish someone would pass a law making them illegal. That also makes me wonder if they even were operating within the laws of the state I live in. Avoid this company at all cost. If you get involved with them you will be sorry.
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This report was posted on Ripoff Report on 04/03/2012 10:25 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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#1 Author of original report

The Responses I am getting

AUTHOR: htrabbit - (United States of America)

from every place I have contacted who have contacted me back including Peppercash themselves have told me not to pay this Lindsay Boothe another penny. I don't think the issue here is actually Peppercash but rather these people who claimed to represent peppercash. While reporting them to the attorney general of indiana i called them to try to obtain their address. They refused to give it to me unless I would tell them why I wanted it. They use threatening tones without ever actually making threats (oh, I so wish they would). The only threat they ever made was to have me jailed. When Beth Lindsay answers the phone she always gives the phone to Chris Nola when she learns it's me calling. I have only called them to try to obtain more information and I have never threatened them. I also contacted my financial institution and faxed them a letter disputing the debits and also faxed them the correspondence from peppercash where they told me that these people do not work for them. They said they would investigate and if it was determined that they used fraudulent practices to obtain the money, which they did, it would be refunded me within ten days. The proof of that is the email from peppercash support. Thanks again for your help.
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#2 Consumer Comment

To PepperCashPaidTroll_Jeanski,

AUTHOR: Maven - (United States of America)

The information I gave is thoroughly researched and unlike yours, tells 100% of the story. I have the links and Indiana law to back it up. You have opinion. But nothing you wrote refutes the information I've given. You're only writing from PepperCash's viewpoint, and it's flawed.

First, I never said payday loans were illegal in Indiana. That's your way of trying to muddy the waters. I said payday loans are illegal in Indiana, and they are.

It's not my fault PepperCash is too money greedy to pay for a payday loan license as required under Indiana law. Or maybe they did but were denied based on their scammy business practices? The FTC had reported that PepperCash is a FOREIGN payday loan lender - based in Costa Rica! That was, of course, before they bought the Chippewa-Cree rights. Or do they have a Chippewa-Cree in Costa Rica? Maybe there was a tsunami that pushed Costa Rica into Montana, U.S.A. that we don't know about?

And although I know this information is lost on you, I also know it's helpful to others who come to this site to report on PepperCash, so I took the time to look you up, PepperCashTroll, and oopsie! It appears you don't have a license to lend to Indiana residents! For those who know what a scam PepperCash is, this isn't big news. For those who don't, you do now.

Go here, to the Indiana Department of Financial Institutions and check the list of payday lenders that are legal and licensed in Indiana. Online lender,, IS NOT on the list so they are not legally allowed to lend in the State of Indiana:

Online payday lenders that lend to Indiana residents must be licensed and adhere to Indiana's loan limits and terms. You can verify the license of a payday lender in Indiana by calling (317) 232-3955 or go to the link as I've noted above. 

Second, it does NOT matter if an Indiana customer agreed to the loan. It does not make an illegal PepperCash loan valid or legal that's only valid and legal on the Rocky Boy Reservation in Montana. What are you going to do, PepperCashTroll? Drag an Indianan to tribal court?? ROFL!

Third, writing A bad check does not land the writer in jail. It only lands the worst offenders in jail. But a bad check written then stopped payment on an ILLEGAL loan will only land the illegal lender in hot water if he tries to file suit in any U.S. court of law.

So, given the facts above, YOU should apologize on behalf of your Masters to the OP for scamming him/her. But make sure you do it after they pay you your sell-out fee otherwise PepperCash's check might bounce on you.
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#3 Consumer Comment

comment to Maven

AUTHOR: Jeanski - (USA)

You should really do your research before you give what appears to be helpful advice.  First of all, payday loans ARE legal in Indiana (Ind. Code Ann. 24-4-4.5-7-101 et seq).  Second, the OP has admitted this is a valid debt that he owes so trying to avoid the payback is not only illegal, but immoral as well. Third, writing a bad check IS a criminal offense and people DO go to jail for it. This would be a good time for you to stop responding to him (except to apologize).

To the OP: I'm sorry about your unfortunate circumstances. But it happens, and it sounds like you're trying to make good on the debt.  I would investigate any collection agencies before you pay them, and offer to pay the original creditor instead. 
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#4 Author of original report

Lindsay Boothe/

AUTHOR: htrabbit - (United States of America)

The company that contacted me saying they represented peppercash was a company called Lindsay Boothe. The individuals names were Beth Lindsay and Chris Nola. The company that actually took the money from my bank account was called Unified Portfolio Services. If you are ever contacted by either of these companies, do me a favor and tell them to eat you know what and die. I am hoping that Greendot can reverse these payments but I am not hopeful. Again, thank you all for your help.
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#5 Consumer Comment

Don't worry about the "national collection agency".threat.

AUTHOR: Maven - (United States of America)

They can't collect on an illegal debt. If they have the temerity to contact you, just demand they send you proof of the debt. How are they going to prove an illegal debt? And make sure you get a copy of your credit reports. You're entitled to one free one every year from every one of the Big Three. Make sure they don't report you. If they do, write the CRA to demand they remove it since you don't have and never had a debt with that company - and legally, you didn't.

Remember, PepperCash doesn't have a license to legally lend to Arizona residents. If they want to keep giving their money away to residents in states where they require licenses, who has to tell them they don't have that right? :-)

Good luck, and you're doing great! The more that's reported on this scam of a lender, the better.
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#6 Author of original report

It was a scam

AUTHOR: htrabbit - (United States of America)

I contacted Peppercash. They sent me an email informing me that they have been made aware of thieves pretending to be legitimate debt collectors and told me that my debt has (had) been turned over to a national debt collection agency. As far as the my debit card goes, it is a prepaid greendot card so I can simply not load it anymore. I will have my direct deposit stopped from my employer immediately. I will also be calling greendot tomorrow and informing them of the situation to see if they can do anything. Peppercash has requested as much information from me as possible so that they may also investigate. I am going to push this and report it to anyone I can. I may never recover my money but I can maybe at least put some heat on these thieves. Thank you all so much for your help. I have been using all of your info and have filed several reports to every place you have recommended. If you know of anyplace else I can report them to, other than the ones already posted here, please post them. Thanks again. You have at least saved me from paying them any more money.
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#7 Consumer Comment

STOP paying them! They're illegal and they cannot enter any payment arrangements

AUTHOR: Maven - (United States of America)

with you for an illegal debt.

I seriously doubt you had spoken with an attorney. PepperCash is notorious for sending fake attorneys after you, too. On the off-chance it was an attorney you had spoken with and he has threatened you, he should know better especially since he's a New York attorney! Payday loans are illegal in New York. You should file a complaint against him with the ABA for his threats, posthaste.

The  money you've already paid them should be reversed because the loan is illegal. Period. You don't owe them a DIME above the principle (what you originally loaned).

If you paid via your bank through ACH withdrawals, revoke the payments immediately and file fraud charges against them with your bank, a.s.a.p. The best way to stop them is to either put your bank account on a "hard hold" or "deposit only" status. You can opt to close that account and open a new one that's not connected to the old one. Do this first and foremost, before writing them via e-mail that it's come to your attention that payday lenders must be licensed in your state! But secure your bank account using the above methods so they can't keep stealing from you.

And if you've paid over the amount you have loaned, demand a refund from them. PepperCash is notorious for ignoring refund requests, but they're going to have to cough it up once the ACH and your bank goes after them. This will help you financially in the short run. You can file suit against them later when you're back on your feet.

Never give up. Never surrender. Especially with shady, illegal "lenders" like PepperCash. You're in the right, htrabbit, but like with all things in this country, you only have rights when you know about them. I've given you the information you need to stand your ground. Believe me, they'll back off.
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#8 Author of original report


AUTHOR: htrabbit - (United States of America)

Well, it's too late not to panic. I already did and paid them the amount of the loan and have made arrangements to pay the rest of their fees (400 more dollars). I do appreciate your help and the info you provided me because I will investigate them further. I know the attorney I had to deal with is located in the state of new york. These people have eaten me alive especially after being sick and having no income. I am about to lose my car and have my electricity disconnected because of these thieves. I hope I can get some information before my next payment to them is due. Also if they are not licensed in this state I will sue them and I will also try to have criminal charges placed against them for threatening me. Thanks again for the info and the contact information where I may get help. Very , very much appreciated.
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#9 Consumer Comment

Don't panic! DO NOT give them a DIME!

AUTHOR: Maven - (United States of America)

Contact the Department of Financial Institutions FIRST to check if they're licensed to loan in your state (I'm pretty sure they're not). Indiana requires that all payday lenders be licensed in the State of Indiana even if the lender claims immunity through tribal laws, or something. 

Department of Financial Institutions:
Telephone: (317) 232-3955 
FAX: (317) 232-7655 

If they're not licensed, they can do nothing to collect because the loan is illegal.

You cannot go to jail for a (legitimate) debt. Debts are a civil issue, not a penal issue. Even bad checks.

File complaints against them at the BBB, the Federal Trade Commission, the Consumer Financial Protection Bureau, and your State Attorney General: 
Indiana Attorney General, Consumer Protection Division (Indianapolis, IN) 317-232-6330 .

Make sure you note that they have threatened to put you in jail, which they CAN'T, and it's illegal of them to make a false, misleading, and abusive threat like that to anyone.
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