CASH CALL Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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26, Report #277823
Oct 08 2007
07:24 PM
Cash Call From Hell San Diego California
Good day, I just started receiving the first of what I'm assuming will be many harassing calls from Cash Call to Hell. Yes, hell, that's where you'll mentally reside until you've come up with a solution or coping mechanism to deal with these individuals. As far as I'm concerned the federal government or some entity out there has a responsibility to all U.S. citizens, to govern the interest rates imposed by those who lend money. It shouldn't be any different than when your borrowing money to purchase a car or house, a lender should only be able to go so far with an interest rate and that's it. What is the cap on lending interest rates 100%. I've made the choice to post on this forum because I'd like to be involved in any process that will lead to resolution to the unprecedented interest rates that were imposed on all of us normal humans with expected financial troubles once upon a time in our lives. Best Regards, Ms. Looking for help Cash Call to Hell San Diego, CaliforniaU.S.A.
Entity: San Diego, California
27, Report #296611
Jan 03 2008
10:11 AM
Cash Call harassment and rudeness Anaheim California
I got into a bind and took out a loan with cash call. Since I have done this, I have been harassed and so have friends and family members. This company calls me all hours of the day and night. They threaten to garnish wages EVEN THOUGH I AM PAYING THEM ON A MONTHLY BASIS. The people who work for them are rude and uncalled for. They talk to you as if you are scum and low life. I Money Gram them a payment every month. This is still not enough for them. Can anything be done to get them to quit calling when I am making monthly payments as I have told them that I would do? They have called as early as 7:30 am and call 8 or more times a day. They are truly a ripoff company Armymom cantonment, FloridaU.S.A.
Entity: Anaheim, California
28, Report #211478
Sep 17 2006
10:16 PM
Cash Call ripoff Fountain Valley California
Yeah, I got a loan from them too, and realized that they were a rip-off charging that outragous 85%. I was just trying to pay my bills. When I got laid off I contacted them and requested if my payments could be lowered, they flat out said NO, and never mentioned that I can put it in default for 2 payments. I couldn't pay it on time, then came the harrassment calls and threatening me to take me to court. Still no mention of defaulting the loan. Then once I did get a job, they tried to tell me that they were going to garnish my check, I told them to Do what you got to do that's when they wanted to talk about defaulting my loan for 2 payments. Long story short, I'm still behind and still being treatened every day. DON'T DO IT!! It's a scam for the desperate to get us trapped! K LA, CaliforniaU.S.A.
Entity: Fountain Valley, California
29, Report #225651
Dec 16 2006
02:43 AM
Cash Call Registered Legal Loan Sharks Fountain Valley California
Simply Stated, CASH CALL and their affiliates claim to cater loans to people with less than perfect credit, although this does not guarantee that EVERYONE will get approved for there loan program. If you are one of the unlucky-fortunates to be approved, be prepared to pay extrememly high Interest Rates for a small cash loan. Some examples of the LOAN RATES are as follows, although the final LOAN APR depends on your state residence. (Loan, Product, Interest Rate, Annual Percentage Rate, Number of Payments Payment, Amount) $5,075 Loan 59% 59.95% 84 $254.03 $2,600 Loan 96% 99.25% 42 $216.55 $1,075 Loan 89% 96.78% 42 $83.89 Simply put, think of this LOAN as a long-term, high APR cash advance with a short term payday loan personality. *For example, borrowing just 1075 dollars will cost you a total of 42 payments at 83.89 a month, equaling $3523.38. UNBELIEVABLE!!! You are paying back over 3 TIMES what you borrowed. Look at the payment plan for $5075, you will pay back almost 22,000 DOLLARS over 7 years. SIMPLE MATH my friends, the enticement comes from the seemingly LOW payments structured over multiple years. UNLESS you cherish and are satisfied with the idea of paying exhorbantly high interest rates on a long term structured average cash loan, then DO NOT accept an offer of CASH CREDIT from this company. Explore other options like family, friends, reputable banks, or seek financial assistance from a county program before digging yourself in the whole even WORSE when accepting these type of loan offers. MANY people who unfortunately have defaulted on a loan from this company express that unfair collection practices, even receiving calls from cash call attorneys and lawyers regarding the debt. These are fabricated phone calls by a hired collection agency or rep with an attempt to threaten or scare you into paying back the money. No one will show up at your place of business or home, no lawyer is going to be waiting for you by your car attempting to seize your property or assets. Again, these are simply scare tactics into making you give them new checking or credit card info so they can retain payments again or draw the balance of the loan. You will not be placed in Jail and no Police officer will come looking for you. Please be advised that NO COMPANY is exempt from the FAIR COLLECTION procedures as imposed by the government. IF you do default on the loan, you CAN expect to receive harrassing phone calls, letters, or with time, a possible WRIT OF GARNISHMENT if your resident state allows it.(wage garnishment from your employer's payroll) ONE FINAL NOTE: FOR THOSE OF YOU WHO MAY HAVE GOTTEN IN OVER YOUR HEAD WITH SHORT TERM CASH ADVANCES, PAYDAY LOANS, CREDIT CARDS, AND LOANS FROM COMPANIES SUCH AS CASH ONE, YOU MAY OPT TO FILE FOR BANKRUPTCY!!! AS BAD AS THIS SOUNDS, A BANKRUPTCY ON YOUR CREDIT WILL LOOK NO WORSE THAN LENDERS DINGING YOUR REPORT EVERY MONTH ALREADY FOR NOT PAYING YOUR BILLS ON TIME OR AT ALL. IT IS A LEARNING LESSON. I USED THE FOLLOWING WEBSITE, DID NOT NEED A LAWYER TO REPRESENT ME AND FILED THE BANKRUPTCY WITH DOCUMENTS COMPLETED BY MYSELF, VIA THE FOLLOWING WEBSITE. THIS IS NOT AN ADVERTISEMENT FOR THEIR SERVICES, I ONLY RECCOMMEND THEM BECAUSE IT CURED MY PERSONAL FINANCIAL PROBLEMS FAST. http://usabankruptcyassociates.com/usabk/index.asp Best of luck to all of you who may find yourself in a desperate situation due to companies like Cash Call, payday loan companies and other long term scam companies. You do have options though, so get online, do your homework AND get your life bak on track. Paul Phoenix, ArizonaU.S.A.
Entity: Fountain Valley, California
30, Report #367917
Aug 28 2008
02:48 PM
Cash Call THEY SUCK Anahiem California
I have been a customer with Cashcall for over a year. I borrowed money from them thinking, it was going to solve my financial problems. I have been sick and progressively getting worse. I have had my 17th surgery in May of 2008. I called ahead of time and asked for a deferment, because I had been out of work for 5 weeks. They denied me. I moved my payment by 15 days, because I did not have the funds. I then called them and cancelled my payment because my expenses with my surgery had caught up with me and with me being out of work, I just did not have it. I was treated horribly. Up to this point, I have been a great customer. Always making my payment. They refused to work with me and talked to me really just Tacky! Well, since they automatically pull my payments, they had my checking information, they decided to pull a payment anyway. I called and told them the money was not there, they said they did not care, I needed to make my payment. It overdrew my account, bouncing checks, accruing fees, etc... Then 7 days later they decided they would pull another payment. I called them again and told them not to, almost in tears. I was already overdrawn at the bank, thanks to them, they said it was done, I said I did not authorize it, they said, they had my banking account info, they could do whatever they wanted to. After pulling the 2nd payment and sucking my whole paycheck, I could not pay bills, buy my medicine, buy food or anything. My bank would not do anything. (I am changing banks too) Cashcall emailed me and offered me a deferment. Which took almost a week to get processed and about 6 calls, because it was no ones Job to process it. I would not recommend anyone to do business with this company. I regret that I did. I cannot wait until the day comes I get them paid off. I am often reminded when the commercial for Walgreens comes on about living in Perfect comes on. That's where all the employees of Cashcall live. They do not believe in things happening to you. They do not believe that the economy is bad and people are having a tough time. Please, if I can help just 1 person. This company is a BAD idea. They put you in a worse situation than you are already in, don't do it. Be more compassionate. Understand things happen. Do not set you standards for deferment so high no one can obtain a deferment. Do not treat your customers like dirt, we keep you in business, things happen! I would like to see them waive my lc's on those payments and they pay my overdraft fees for those 2 payments , but then again, I know I don't live in Perfect. Theresa Murfreesboro, TennesseeU.S.A.
Entity: Anahiem, California
31, Report #258225
Jul 02 2007
11:16 AM
CASH CALL RIPOFF LOAN SHARKS Anaheim Internet
I got a loan from CashCall on 11/09/2005, to pay for my wedding. Yes, I knew the interest rate was high, but I didnt think that it was this bad. I have paid $251.00 for 20 months, which is $5,020.00. I called today thinking I had enough to payoff the loan, the customer service rep that i spoke with stated that only $1.10 out of each payment has been actually applied to the loan. So I have paid so far a whooping $20.00 to the loan. Then I tried getting details to my loan cause it was suppose to be for 5 years, and no penalties for pay it off early. The rep told me that my loan is for 10 years, and if I choose to pay it off now I would be paying $5,400 which is more than my loan to beginning with. She also told me that when the loan is paid off if i paid the regular amount for the next 8 years i will be paying over $30,000 to them, for a $5,000 loan!! I am waiting for them to send me the contract i signed to see what terms i signed on with. Of coursse I havent received anything yet. Never use Cashcall, i will never be using that again!! Teri ATLANTIC BEACH, FloridaU.S.A.
Entity: Internet
32, Report #258098
Jul 01 2007
04:13 PM
Cash Call Dishonest Fraudulent Harrassing Liars Fountain Valley California
Cash Call practices dishonest and bad faith business. I originated my loan with Cash Call in October of 2006 at an outrageous interest rate 99.24%. As a single working mother whose vehicle died, I had no choice but to except the terms in order to replace my vehicle. They made the process sound so simple and helpfull and at first it was. Then I became suddenly ill and was on medical leave from work for months. My income was reduced by more than 50%, but since I did not want to default on the loan I contacted the company to attempt to make arrangements. They offerred me a one month deferrment and advised that this was the only option available, so I took them up on there offer. This deferrment however did not change the fact that I could no longer afford the full amount of the payment because of the reduction in my income...and I explained that to them. Shortly after I found out from a friend whom had also obtained a loan from Cash Call that they had not only received a deferrment for their payment but also a modification of their interest rate so that their payment had been reduced by half. They were able to obtain these changes without being in need of the modification. By this time I was behind a payment, so I contaced the company yet again to explain my circumstances and request a modification. I was advised that since I had already received assistance (by way of the deferrment) then they could not consider my request for another 12 months. I continued ill and out of work, but continued to attempt the payments while I continued to contact the company to no avail. I then became completely unable to make the full payment so I contacted Cash Call yet again. I spoke to at least a dozen different people including managers, supervisors, and collections personell in order to request review of my account. I was yelled at, insulted, cursed at and hung up on. In the meantime Cash Call proceeded to harrass me and my contacts by phone calling easliy 10-20x per day. I spoke to them again and again and advised them that I did not intend on refusing to pay, I just could not afford the amount the requested again to no avail. Finally, I was contacted by a very nice representative of Cash Call named Melvin Brookes who claimed to be a manager. I again explained to him the situation and advised him that no one had been able to assist me. He told me I was in luck because he was in a position of authority and had reviewed my account and pre-approved me for the modification...but first I would have to make a full payment in good faith. In my desperation to resolve this matter, I took him at his word and borrowed the money to make the payment. I called Melvin Brookes from the payment location and he advised me that he was faxing over the documents for the modification immediately. I waited for hours and continued to call him back as he convinced me that the forms would shortly arrive and kept placing me on hold for hours on end. Eight hours later I was advised by one of his colleagues that Melvin Brookes and Cash Call LIED!!! Melvin Brookes is not a manager and Cash Call never had any intention to honor the modification and they were requesting payment in full immediately. I attempted to file a grievance against Mr Brookes and multiple managers and members of the staff denied me the proper channels. I was hung up on multiple times and was told that if I was dumb enough to fall for that then it was my problem and that Cash Call could not take my word over Mr. Brookes' word. To make matters worse they are still continuing to harrass me and are now threatening to pursue legal channels. I cannot believe that this is happening to me and I do not know what to do. If anyone can hear me...I need advise as to how to pursue this matter with/against Cash Call. G Brandon, FloridaU.S.A.
Entity: Fountain Valley, California
33, Report #237682
Mar 01 2007
06:10 PM
Cash Call Rip Off Financing, Loan Sharks Ripoff Pasadea California
Cash Call takes advantage of people that feel that they have no other way to get the funds they need...This company does not care about giving fair interest rates or on ethical lending. Rene Petersburg, VirginiaU.S.A.
Entity: Nationwide
34, Report #272731
Sep 06 2007
08:30 AM
CASH CALL HARASSERS RIP OFF ANEHEIM California
I also got a loan from cash call because times were so hard for me! I applied for a loan a year ago and they said no well iI called back a year later and got the loan approved. I faxed over a current check form a new account and these a**holes sent the loan to an old account that had been closed, and the bank would not return the funds to cash call, and they expect me to pay it back by threatning litagation and court! I told them your people made the mistake by not looking into my file to see if I had a new account I don'r feel like i should pay them anything! I didnt recieve any funds the bank skyy bank got the funds not me ! HELP! Rena01 INDIANAPOLIS, IndianaU.S.A.
Entity: ANEHEIM, California
35, Report #251960
Jun 03 2007
06:38 AM
CASH CALL VERY OBNOXIOUS AND UNPROFESSIONAL ripoff ANAHEIM California
I lost my job and can't afford to make the monthly payments now.They keep sending it in for deposit 2 times a month and it keeps going back NSF. I used to talk to them until I got tired of telling every caller that I lost my job and why I could not afford the payment. They also wanted to know how and where I spent my money. I get at least 10 to 12 calls a day from them. They even use differerent cell phone numbers to try and contact me. They have also showed up at my house. They have called my house acting like they were calling my work. This is just so unreal. I wouldn't put it past them if they have someone following me. If I only knew then what I know now! Cash Call is nothing but loan sharks, and I think they could be dangerous. Gina las vegas, NevadaU.S.A.
Entity: ANAHEIM, California
36, Report #394355
Nov 24 2008
06:31 AM
CASH CALL Victomized After 8 Months of Payments Internet
My wife & I took out a $2,500.00 loan from Cash Call of August 2007. (To begin): Prior to acquiring the loan, we asked a Cash Call rep about the interest rate and time frame info required to pay back such dollar amount to them in a timely manner. In reply from a C.C. rep, it was told to us that if we were to take out a higher dollar amount (much larger than our request amount) that it would affect the interest rate (variance) to be slightly smaller. For example: Cash Call explained that our interest rate would be at 99.89% of a $2,500.00 loan amount (withstanding the entire loan, no time frame to pay-off, plus any late fee penalties accrued above & beyond interest), but would drop (slightly)(can't remember the exact percentage) if we were to borrow more than $5,000.00, with no set-up feee's. After making a few more questions (regarding a larger loan amount and time frame in paying the loan off), it was then suggested to my wife & I by the C.C. rep to borrow $10,000.00 as the entire loan, and upon first installment made back to Cash Call (as per their suggestion) at $7,500.00. Therefore upon doing that we would have a remaining balance of $2,500.00 to pay, and a smaller dollar amount for each installment thereafter. But....there was just one catch to this... that any borrowed dollar amount higher than $3,500.00 and NOT paid in a timely manner (on time) will not only go into collections right away, but will be reported to all credit bureau's as a delinquent consumer...???... To sum this up....we ended up borrowing what we thought was aboslutely necessary and still got screwed. Read on... On $2,500.00 we were obligated to pay monthly installments of $225.00 (with an interest rate of 99.89%), a set-up fee (not part of loan pay back) with first time installment of $275.00 of which was automatically taken from our account, and then $225.00 per month (on a month to month basis) until entire loan completely paid off.....yeah riight.....when??? Within three months of payments to Cash Call we noticed our loan amount balance was staying the same....why?....because if we would have realized that in order to actually knock the balance down (from month to month) we would have to make double payments (about $450.00 or more per month) to see a drop in our loan balance. Boy were we in for a reality check!! As time moved on into the new year, we filed our taxes early, then got our check in the mail we used everything we had in our return tax check just to pay the loan back, of which unfortunately was not enough to pay off the entire balance. (This all took place in a matter of 7 months and $1,600.00 payments later.) Our remaining balance at that point was less than $900.00.....our monthly installments dropped only a mere $18.00 less per month, making our installents at $207.00.....I then got on the phone and argued with Cash Call rep for nearly 20 min. +, and then put on hold to speak to a second rep and really didn't get any results other than you are obligated to make the reamining monthly installents until entire loan is completely paid off accordingly to your contractual agreement.... To sum this up, my wife & I ended up borrowing money from our relatives (very demeaning) to pay off the remaining $900.00 balnace. We promised each other never to make that mistake again!!...End of story.... Taken4 Las Vegas, NevadaU.S.A.
Entity: Internet
37, Report #352010
Jul 16 2008
02:17 PM
Cash Call Is A Joke!!! Detroit Michigan
i to fell for the scam of cash call. i took out a loan over a year ago, and went and looked at my balance of what i owe, and what do you know, it is still higher than my loan amount was. So i stopped paying them, im not sending them another cent. they did call me about 20 times a day, but when i see there number come up,, you know the one from every state in the west, ill answer the phone, not say anything and hang up. they now only call me at least once a day, and i still do the same thing. don't get scared of this company, they can't come and kill you, if anything it will just go on your credit report for having late payments, or if you don't pay them back, it will be a charge off. the people there that call you are losers, they have no degrees, and remember if it wasnt for people paying there loans late, hell none of them would have a job!! so at least the late payers are keeping them losers working. i have no problem paying them back for the loan, but i decided ill wait and see what kind of settlement they offer me in writing, hell what have i got to lose. THEY SURE DON'T SCARE ME!!! if anything i laugh at them all the time... good luck to all you people with a cash call loan. Tommy t melvindale, MichiganU.S.A.
Entity: Detroit, Michigan
38, Report #348196
Jul 07 2008
09:38 AM
CASH CALL Usery Orange County California
I just want to say, when you hear and see the commercials on TV The small print is so small you would never be able to read it. I also think if a company feels they need to charge people interest rates as high as 99% who are already in horrible situations?? should most likley not handing these loans out. Sure they dont force us to call , i get that, but these days people get so desperate, they dont always think. Also when the coment was made by someone on here saying they were told they should try and pay it off?? well DUH !!! But life happenes and we can't always do that now can we?? I am sure there are loop wholes all over the place, as to how they can get away with these rates?? Its all interest. Should be outlawed. Is anyone looking into this?? Rose Westlake Village, CaliforniaU.S.A.
Entity: Orange County, California
39, Report #390332
Nov 11 2008
09:11 PM
Cash Call rip off Van Nuys California
Please let me know if anyone is filing a class action lawsuit I have paid on this loan for over a year and I see no way out of it. I think if the government can bailout AIG they should be able to help us out with these loans. Evelyn68 Westover, MarylandU.S.A.
Entity: Nationwide
40, Report #1031605
Aug 31 2007
10:02 PM
Cash Call harassing liars Fountain Valley California
Unfortunately I had no choice but to borrow money from cash call. However the past 5 months I was unemployed and had some difficulty paying the full high interest high monthly payment so they would call me every hour very rude messages and when i'd speak to any of the representatives there they were just ignorant and rude people each time. Then they started to contact my brother and then my sister in law and one time they called my work office and asked to speak to the owner of my company and my receptionist said that he did not want to speak with them and she went on yelling at her and telling her she already did her research and knew exactly the owners name and had his home number and would contact him at home then. I cannot believe that any company would practice such manner to collect money this is harassment in extreme at that point they were jeopardizing my job harassing the owner of my company whom I worked for at the time and threatening to call his home. Then I tried to settle a monthly payment first they told me I had to pay over $500 to catch up and be current then i waited a few days called back and they said well they were going to do me a favor just get in $108 in by the end of the day and i'm good all current well then a few days later they changed their mind said I owed completely different amount that that $108 i sent did nothing to help me and were rude. I had one lady that worked there tell me to borrow $20 from everyone I know so I could make my payment, they're pushy, rude, and complete liars. I hope this company goes bankrupt ASAP. they need to get sued for malpractice for all the harassment not only I have experienced but reading here everyone else seeemed to have encountered the same type of treatment by this company. Blondevxn Torrance, CaliforniaU.S.A.
Entity: Fountain Valley, California
41, Report #1031606
Aug 31 2007
10:02 PM
Cash Call harassing liars Fountain Valley California
Unfortunately I had no choice but to borrow money from cash call. However the past 5 months I was unemployed and had some difficulty paying the full high interest high monthly payment so they would call me every hour very rude messages and when i'd speak to any of the representatives there they were just ignorant and rude people each time. Then they started to contact my brother and then my sister in law and one time they called my work office and asked to speak to the owner of my company and my receptionist said that he did not want to speak with them and she went on yelling at her and telling her she already did her research and knew exactly the owners name and had his home number and would contact him at home then. I cannot believe that any company would practice such manner to collect money this is harassment in extreme at that point they were jeopardizing my job harassing the owner of my company whom I worked for at the time and threatening to call his home. Then I tried to settle a monthly payment first they told me I had to pay over $500 to catch up and be current then i waited a few days called back and they said well they were going to do me a favor just get in $108 in by the end of the day and i'm good all current well then a few days later they changed their mind said I owed completely different amount that that $108 i sent did nothing to help me and were rude. I had one lady that worked there tell me to borrow $20 from everyone I know so I could make my payment, they're pushy, rude, and complete liars. I hope this company goes bankrupt ASAP. they need to get sued for malpractice for all the harassment not only I have experienced but reading here everyone else seeemed to have encountered the same type of treatment by this company. Blondevxn Torrance, CaliforniaU.S.A.
Entity: Fountain Valley, California
42, Report #1031607
Aug 31 2007
10:02 PM
Cash Call harassing liars Fountain Valley California
Unfortunately I had no choice but to borrow money from cash call. However the past 5 months I was unemployed and had some difficulty paying the full high interest high monthly payment so they would call me every hour very rude messages and when i'd speak to any of the representatives there they were just ignorant and rude people each time. Then they started to contact my brother and then my sister in law and one time they called my work office and asked to speak to the owner of my company and my receptionist said that he did not want to speak with them and she went on yelling at her and telling her she already did her research and knew exactly the owners name and had his home number and would contact him at home then. I cannot believe that any company would practice such manner to collect money this is harassment in extreme at that point they were jeopardizing my job harassing the owner of my company whom I worked for at the time and threatening to call his home. Then I tried to settle a monthly payment first they told me I had to pay over $500 to catch up and be current then i waited a few days called back and they said well they were going to do me a favor just get in $108 in by the end of the day and i'm good all current well then a few days later they changed their mind said I owed completely different amount that that $108 i sent did nothing to help me and were rude. I had one lady that worked there tell me to borrow $20 from everyone I know so I could make my payment, they're pushy, rude, and complete liars. I hope this company goes bankrupt ASAP. they need to get sued for malpractice for all the harassment not only I have experienced but reading here everyone else seeemed to have encountered the same type of treatment by this company. Blondevxn Torrance, CaliforniaU.S.A.
Entity: Fountain Valley, California
43, Report #1031608
Aug 31 2007
10:02 PM
Cash Call harassing liars Fountain Valley California
Unfortunately I had no choice but to borrow money from cash call. However the past 5 months I was unemployed and had some difficulty paying the full high interest high monthly payment so they would call me every hour very rude messages and when i'd speak to any of the representatives there they were just ignorant and rude people each time. Then they started to contact my brother and then my sister in law and one time they called my work office and asked to speak to the owner of my company and my receptionist said that he did not want to speak with them and she went on yelling at her and telling her she already did her research and knew exactly the owners name and had his home number and would contact him at home then. I cannot believe that any company would practice such manner to collect money this is harassment in extreme at that point they were jeopardizing my job harassing the owner of my company whom I worked for at the time and threatening to call his home. Then I tried to settle a monthly payment first they told me I had to pay over $500 to catch up and be current then i waited a few days called back and they said well they were going to do me a favor just get in $108 in by the end of the day and i'm good all current well then a few days later they changed their mind said I owed completely different amount that that $108 i sent did nothing to help me and were rude. I had one lady that worked there tell me to borrow $20 from everyone I know so I could make my payment, they're pushy, rude, and complete liars. I hope this company goes bankrupt ASAP. they need to get sued for malpractice for all the harassment not only I have experienced but reading here everyone else seeemed to have encountered the same type of treatment by this company. Blondevxn Torrance, CaliforniaU.S.A.
Entity: Fountain Valley, California
44, Report #1154245
Jun 12 2014
10:08 AM
Cash Call Western Sky, Dilbert Services Loan Sharks Nationwide
 I had some financial hardship and received a loan in the amount of $2500 from Western Sky, with a monthly payment of $294.00. After 1 yr had passed, I contact the company which was now Cash Call and I inquired about my loan balance, I was told that I owed $2900 dollars and the payments that i made been making on a monthly basis only went towrds the 130% interest balance that I incurred daily. I was shocked and very upset when I received the loan it was not explained to me otherwise I would have not went that route. I have since paid close to $5000, and I asked them if I could make an offer to settled this with the knowledge of it going on my credit report as a settled account not paid in full. The offered them half of the balance and the countered offered $2500. I feel stuck, frustrated I would like to join any class action suit against them.
Entity: Nationwide
45, Report #290109
Dec 09 2007
10:59 AM
Cash Call Cash Call is Ruthless and Out Of Control!!! Fountian Valley California
I was in a tough situation last year and saw an ad on TV for Cash Call...of course it sounded too good to be true, but I called and leisted to all these friendly people tell me how easy this loan was and so on and so forth. I ended up thinking it over a few days then finally agreed because I really needed the money. It was the biggest mistake I have made. I paid on time without any problems up until a few months ago, I had some medical problems and was in the hospital and couldn't pay. It overdrew my account causing more problems. They would call day in day out, they would send nasty e-mails. One day the lady on the phone said I had 12 hours to make a payment or it would go to arbitration...I ended up borrowing money from a friend to make the payment...their scare tactics worked that time. Then I got back in this cylce of falling behind and owing money...I missed a payment of thiers again and again the nasty phone calls started, letters in the mail you name it. I would get a letter saying you have 10 days from the date of this letter to pay...they would call I would tell them I didn't have the money...then they would say you have to pay by midnight...then same call the next day...the so called 10 days was up and I still had until midnight to pay. After thinking about it I figured they don't want this to go to court becuase I will just owe the outstanding on my loan...not all the ridculous interest they plan to make off of me. I figured it out and IF I paid my minimum monthly balance it would take 5 years to pay off and I would have paid $10,000 for a 3,000 loan. Its stupid. So I am not paying them, I hope they take me to court then I will only be paying what I owe not all the extra thousands of dollars they are hoping to make off of me. Their collection people are out of line, its not acceptable to treat people to cruel. Something needs to be done, they can't get away with this!!!! Spread the word! So mad 55 Redmond, WashingtonU.S.A.
Entity: Nationwide
46, Report #283696
Nov 08 2007
11:22 AM
CASH CALL, CASH CALL HARASSMENT/ UNFAIR BUSINESS PRACTICES FOUNTAIN VALLEY California
In 12/2006 I called Cash Call. I informed the young man, Cheyenne, that I was just getting back into the job market after being on welfare for 3 years. I told him that I just got a FT job and was hesistant about making a new debt for a loan. He ran my credit and told me that I qulaified for a 2600 loan. I ran into financial problems and that is when I found that Cash Call was no more than a Loan Shark company. They called my job constantly and gave personal information to all my coworkers. It eventually was one of the reasons that I lost my job. A fter becoming unemployed I was called by Cash Call on a Sunday and told that I should kill myself and I was a loser and a deadbeat mother. Cash Call then told me that they were going to call my kids school and inform my children of these things. I filed a complaint with the fair trade commission and the better business beaureau in Ky. Cash Call called me continually to tell me that they could care less who I called they would continue to call. I would love to be in a harrassment suit against them. Lisa LOUISVILLE, KentuckyU.S.A.
Entity: FOUNTAIN VALLEY, California
47, Report #280364
Oct 23 2007
11:08 AM
Cash Call ,Cash Call is crazy. What are they on?? Anihiem California
Cash call is absolutely out of their minds. I too fell behind on my payments and they say they are going to work with you but that is a lie. You never talk to the same person and obviously no one there can read because you always have to explain what happened on the last call, when everyone is supposed to be noting your account. Yeah right! However they send you all this paper work pretending you are getting some kind of arrangement when you're really not. I even had a rep from the legal department to tell me that he as going to refinance my account and give me a lower payment, I still have all his information but I bet if I called he would never be available to talk. When I kept my end of the deal and called back to have him to refinance my account he acted like he didn't know what I was talking about. He wanted all kinds of information ( list of my bills) as if he was going to try to give me a lower payment. As far as I am concerned everyone at Cash Call is a COMPULSIVE LIER!! I wonder how they can sleep at night. I guess everyone working at Cash Call has A-one credit!! Not likely, get a life stop acting like you never have had to make payment arrangements. Remember this could be you one day Cash Call employees!! Dawn Savannah, GeorgiaU.S.A.
Entity: Anihiem, California
48, Report #230364
Jan 13 2007
12:28 PM
CASH CALL LOANS CASH CALL ARE COMPLETE CROOKS RIPOFF FOUNTAIN VALLEY CALIFORNIA
CASH CALL LOANS ARE THE BIGGEST RIP OFF I HAVE EVER SEEN IN MY 10 YEARS IN THE FINANCE INDUSTRY. UNLESS ITS LIFE OR DEATH YOU GET THE MONEY AND YOU CANT GET A LOAN ANYWHERE ELSE YOU SHOULD NEVER EVER EVER GO NEAR THIS PREDATORY LENDER. KNOWING PEOPLE ASSOCIATED WITH THEM, THEY TARGET UNEDUCATED CONSUMERS WHO DONT REALLY UNDERSTAND WHAT THEY'RE GETTING INTO OR THEY TAKE ADVANTAGE OF THE DESPERATE PEOPLE. THE INTEREST RATES ARE ILLEGAL IN SOME STATES AND THESE PEOPLE ARE CROOKS. PLEASE STAY AWAY UNLESS YOU HAVE NO OTHER OPTIONS AND/OR ITS A LIFE OR DEATH SITUATION. YOU WILL LOSE SO MUCH MONEY BORROWING FROM THEM. AND ONE OTHER THING, YOUR CREDIT SCORE IS BASED PARTLY ON TYPE OF LENDERS THAT YOU USE AND BORROWING FROM PEOPLE LIKE CASHCALL, EVEN IF YOU'RE ALWAYS ON TIME, WILL NEGATIVELY EFFECT YOUR CREDIT BECAUSE THE ONLY PEOPLE WHO BORROW FROM THEM ARE EITHER UNEDUCATED CONSUMERS OR CONSUMERS WHO HAVE TERRIBLE CREDIT. PLEASE BE CAREFUL PEOPLE. John CHICOPEE, MassachusettsU.S.A.
Entity: Internet
49, Report #254924
Jun 16 2007
12:23 PM
Cash Call Read the contract you have more rights than you think Cash Call Ripoff Anaheim California
People read your contracts, you have more rights than you think. Go to the web -site right now down load and print a copy of your contract. Interesting point number one-I understand that if I fail to make any payment due hereunder, the Holder of this Note shall have the right, after a 30-day grace period, to declare this Note to be immediately due and payable. I further understand that if I file for an assignment for the benefit of creditors, bankruptcy, or for relief under any provisions of the United States Bankruptcy Code, the Holder of this Note shall have the right to declare this Note to be immediately due and payable.- The above was taken directly from my contract verbatim. In all of the post that I have read this was not mentioned. Interesting point number two-I agree that all payments not made within fifteen (15) days of the due date shall be subject to a late fee of $15. Any late fee assessed shall be collected by the Holder on behalf of the Holder and shall inure to the exclusive benefit of the Holder. Again taken from my contract verbatim. Instead of calling people 72 times within an hour, remind them of this. Interesting point number three-GOVERNING LAW. This Note, and any claim, dispute or controversy arising from or relating to this Note, are governed by and construed in accordance with the laws of the State of Delaware (without regard to its conflicts of law rules) and applicable federal law. The legality, enforceability, and interpretation of this Agreement and the amounts contracted for, charged, and received under this Agreement will be governed by such laws. This Agreement is entered into between you and me in Delaware. Again taken from my contract verbatim. If you live in California you mean to tell me that you are subject to the laws not Delaware, no you are subject to the laws of California. Use your consumer protections. Interesting point number four-ARBITRATION. PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. I UNDERSTAND THAT UNLESS I EXERCISE THE RIGHT TO OPT-OUT OF ARBITRATION IN THE MANNER DESCRIBED BELOW, I AGREE THAT ANY DISPUTE WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO HAVE A JURY, TO ENGAGE IN DISCOVERY (EXCEPT AS MAY BE PROVIDED IN THE ARBITRATION RULES), AND TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. I ALSO AGREE ANY ARBITRATION WILL BE LIMITED TO THE DISPUTE BETWEEN MYSELF AND YOU OR THE HOLDER OF THE NOTE AND WILL NOT BE PART OF A CLASS-WIDE OR CONSOLIDATED ARBITRATION PROCEEDING. Sorry for all the caps, I copied and pasted this directly from my contract. All this talk about being sued is a lie. They are agreeing also to arbitration, and remember they must by their contract afford you 30 days. The FDCPA and various state laws say that a company can not threaten you with legal recourse if they can't or they are not intending to do so. No matter what Cash Call states they must follow the law. This is not an attempt to have you escape paying your bill, this is a reminder for you to read your contract and work your rights. To all of you write your letters send them certified, return receipt and let them know that you know what your rights are. Peace B. B Apollo, PennsylvaniaU.S.A.
Entity: Anaheim, California
50, Report #263555
Jul 27 2007
12:44 AM
Cash Call Cash Call can lick my crack Anaheim California
I saw a commercial ad for the cashcall loans and I thought that I would take a loan out. My girlfriend wanted some new furniture and we needed to catch up on bills, so I took out a loan for $2600. It wasnt until after I had sent in all of my paper work that I found out that my interest rate was going to be 96%. By then, it was too late to cancel, so we went through with the loan. I had paid out $216.55 a month for 20 months and I still owe about another 28 months of payments. All in all, I am expected to pay about $10,394.00 for a $ 2600 loan. That would mean that Cash call would receive $7794.4 in interest. No one ever told me what the terms of the loan was until after the money was deposited into my account and I never receive a monthly statement. The only time I receive anything from them is to remind me to pay my bill. There is no statement showing where my monthly payments are going and I cant afford to keep paying on this. I am getting married and I dont make enough money to cover all of my bills with this one bill. The people who work for cash call phone me about 10-25 times a day, asking for a payment and when I make arrangements, they still call the next day. They call my cell, home phone and work phones. They call other people looking for me and even after I have talked to one person, they still call an hour later. I can send them a payment and 20 minutes later, someone else is calling me to tell me that I am late or that I have to pay more fees. They used to take the money out of my account automatically, but i have since stopped that. They used to cost me lots of bank fees and charge me extra late charges even when I am not late. I have changed addresses and they still call me. With my interest rate, I am paying them $ 208/month in interest and only about $9 is going towards the loan. I am not going to pay them anymore and if anyone wants to file a lawsuit or anything against cash call, count me in. Down with cash call Marysville, CaliforniaU.S.A.
Entity: Anaheim, California

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