If you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect from you, the collection activity may be subject to the federal Fair Debt Collection Practices Act. If you receive a communication from a party claiming that a debt is owed, you can request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA. If you have questions regarding federal debt collection laws, you can contact the Federal Trade Commission at 1-877-FTC-HELP or online at www.ftc.gov.
This is an expensive form of credit. RISE is designed to help you meet your borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing will result in additional charges. We will never charge you any "hidden fees" that are not fully disclosed in your Agreement or the Rates & Terms. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. Because we report your payment history to one or more credit bureaus, late or non-payment of your debt may negatively impact your credit rating. If you fail to repay in accordance with your terms, we may place or sell your debt with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Be sure you fully understand the terms and conditions of your credit before signing your agreement.
This report was posted on Ripoff Report on 12/16/2009 11:49 AM and is a permanent record located here: https://www.ripoffreport.com/reports/cash-advance-usa-complete-scam/internet/cash-advance-usa-complete-scam-called-and-said-i-recieved-a-loan-i-never-recieved-the-540500. 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
Another consumer reported that an individual claiming to be Morris Anderson, representing Anderson Loan Assistance, contacted the consumer attempting to collect a debt allegedly owed to Cash Advance USA. The individual contacted the consumer through email and phone calls, and allegedly threatened legal action for a loan the consumer states was not received. The consumer reported being provided with an alleged account number and payoff amount.
I literally just received a call from Cash Advance USA. A man stated that I had taken out a payday advance loan in the amount of $350.00. I informed the man that this must in fact be fraud because I had never taken a payday advance loan from their company. The man the stated that he was going to transfer me to his supervisor who then informed me that charges were about to be pressed against me for fraud. I asked him the specific date the money was supposidly deposited in my account. The only information the man could provide was October 2010. He told me the name of my bank and the last four of both my bank acct number and my ssn. What the man didn't know was that I while he was on the phone giving me his speech I actually went online to my online banking page. I had no deposits ever from their company. I then informerd the man that I had never received such a loan and that he needed to provide me with the number to cash advance usa so that i could call them and fax over a copy of my transactions for the month of October so that they'd see they must have the wrong person. The man then became rude with me and told me that he couldn't give me the number because now I had to deal with him, that law enforcement was going to show up at my from door to arrest me for skipping out of a loan. I told him that there was no need to get rude; that I'm sure plenty of people gets loans they don't pay back but I'm not that person and that all I was attempting to do is get the specifics so that I can get to the bottom of this. He then started getting louder with me and ended the call screaming have fun in jail and hu. I immediately began searching for cash advance usa's actual telephone number when I came across this article. I then knew that omg they were attempting scam me. It's scary because of the little information they do know but it would've been even scarier had I actually believed them. Honestly if anyone actually finds cash advance usa's phone number I would love to call them to give them a piece of my mind. The number they called me from is: 760-383-1867----SCAM ARTISTS
Cash Advance USA in South Carolina / phone **. I applied online (don't know the URL) for a loan... was approved for $5,000... had to give them my online banking info (which I did - I'm an idiot); they made a deposit into my account, which I had to return to them by buying Google Play cards. The bank rejected those deposits, leaving me in the hole. Awful experience.
Please note: This is an expensive form of credit and is intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; or using a home equity loan or savings. Contact one of our relationship managers to discuss if a Spotloan is right for you.
Very grateful that I found this website. I just received a call like the majority of the ones I see you all mentioned. I have actually taken out pay day loans and presently have some out right now, but I pay them all back on time. This was the first time I ever received a call of this nature, but I guess when you endlessly put your info out here the scammers will get it because a lot of them are FAKE lenders and are just pretending to be that in an effort to get your info and later scam you. At any rate....
Notice to Texas and Ohio Customers: In Texas and Ohio, RISE is a Credit Services Organization/Credit Access Business operating in accordance with each state’s applicable Credit Services Organization Act. In Ohio, RISE Credit Service of Ohio, LLC d/b/a RISE is licensed by the Department of Commerce, Division of Financial Institutions Certificate No. CS.900086.000. In Texas, RISE Credit Service of Texas, LLC d/b/a RISE is licensed by the Office of the Consumer Credit Commissioner, License No. 16507-62536. RISE is not the lender or a fiduciary of the lender.
Cash Advance America called me up and said I was approved for a loan. I said "ok." First they asked me for my checking, Routing numbers name of bank then asked if I had online Mobile banking. Stupid me. I gave them all the information and to get to the point they deposited counterfeit check into my account and the bank closed my Account. Now what can I do? Please help.
Cash Advance® is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you choose to accept an offered loan. The loan interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. Your lender provides the APR, loan fees, and other terms. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us.
While a cash advance lender may only charge $15 for every $100 you borrow, that’s only for two weeks. If you don’t pay back the loan as well as interest and fees, you roll over the loan and then you’re responsible for paying the interest again. An interest rate of 15 percent for a two-week loan becomes an interest rate of 30 percent when you roll it over for a month. And if you extend the loan for a year and do the math, you end up with an annual percentage rate of almost 400 percent!
Got a call today, 312-248-2234, and answered to hear that I was preapproved for a thousand dollars loan, and just call them back at same phone number. I called back, they answered Cash Advance. I asked "Do you have a web site?" I like to see how professional or cheesy a site is, as a place to start, in looking at a company. If their site is not professional, then neither are they! I even look for typos. Well, the guy just hung up on me. So I started researching (yes, I can use a grand or two this month), and found all of these reviews.
A: When approving an applicant for a loan, several factors are considered. During the application process, Speedy Cash considers your current income and the type of loan you are applying for, among several other factors. Once we process your application we will give you a lending decision, typically within just a few minutes, and if approved, let you know how much you're approved to borrow.
Some reasons you might take a cash advance loan include the need to make emergency repairs to a car or home, cover unplanned medical expenses or pay for assistance with short-term needs that can't wait. Parents might seek cash advances to help cover back-to-school expenses when paychecks don't quite meet needs. Ultimately, though, once a cash advance is funded, the cash is yours to spend or save as you please. LendUp works to provide cash advance loan services that are simple to understand.
Affiliate Disclosure: There are links on this site that can be defined as affiliate links. This means that I may receive a small commission (at no cost to you) if you purchase something when clicking on the links that take you through to a different website. By clicking on the links, you are in no way obligated to buy.
Please Note: The material on this site is provided for informational purposes only and is not financial advice. Always consult p professional before making any financial decisions.