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Alicia of Central Islip NY (06/18/08)
I was contacted and told I'd been approved for a loan I'd applied for online and that I'd need fax over the appropriate information and to pay an upfront fee because it was from a private lender being that I do have problem credit. I was told to wire transfer the fee to another individual that was my private lender using Money Gram. After the money was wired, and the weekend passed with no word from anyone, I was told the private lender ran my credit again and decided I was a risk and needed to send the other portion of the upfront fee. I told her I would not be sending any more money and was told that I'd be contacted when the private lender decided how they would be refunding me. I have rec'd no call and have called several times, leaving messages, with no response.
I paid $536 and rec'd nothing for it as agreed upon. My bills have been unpaid because I applied for loans to get caught up on some bills that had fallen behind. Now those bills are even more behind and bills that were up-to-date are no longer that way.
Nadyia of Columbia SC (04/24/08)
In September 2007 I took out a payday loan with US Fast Cash. Due to some financial difficulties I have had trouble paying them off. When speaking with a representative I was told that I would have to pay 930.00 back off of a 300.00 loan. They persistently call my home. Then on Monday, April 21, 2008, at 8:48 am, I received a call at work from US Fast Cash. I advised the man calling, who did not identify himself that he was not allowed to call my job as I am unable to receive such calls at work.
The representative continued with his threats of collection and garnishes my wages. I advised the representative garnishment of wages is not a legal practice in South Carolina. He completely ignored everything I was saying and talked over me. I hung up on him. Again on Thursday April 24, 2008, at 11:15 am I receive another call from US Fast Cash. I immediately told the gentle that I had given previous instructions not to call me at work and that if they persisted I would report them to consumer affairs. His reply was, that is fine. Tell them I said hi.
By calling me on my job and treating to send my employer instructions for garnishment of wages, they are treating my career and a likelihood of termination.
Megan of Gulf Breeze FL (02/08/08)
I needed some fast cash, my grandmother was dying and I needed money to get home to her. So I borrowed $1600.00 against my title. This title loan has already turned into $5000.00 and I have not even started paying on my loan, this is just interest alone. So a $1600.00 loan that I borrowed, before I pay this off to get my title back, I will have paid almost $8,000.00. Can you guys help me? Predatory lending is a big No No here in Florida, and I didn't know what I signed up for here and this is ridiculous. My car isn't even worth this much!
I've been yelled at by these people wanting more money from me and I have had my power, water, & phones cut off due to this because of paying them on interest. I was even told by one of their reps. that I was getting robbed blind and her bosses were crooks, and it was in my best interest to pay this off quickly even though I have paid $2000 more dollars that I didn't even borrow. I have paid almost $5000 on a $1600 loan.
Niesha of Spokane WA (01/08/08)
First, Mr Shockley called me and he was rude, I could tell by his voice. I then told him I would try and pay him on the 1st if my dad gave me the money. Well, my dad didn't send me money. So that's when I started getting the bad calls. He would call my job 2 to 3 times a day yelling at me, saying I was a liar. So I asked him to stop calling me. He did, but Margaret was way worse. She always called my job after I asked her to stop. She said, "why are you out there writing bad checks?", telling me how I was going to get fired from my job and she was going to call my boss and tell her that I don't need to be working there. She went on about how she was going to report me. She called me way to much at my job. It was embarrsing to have to try to avoid her because I didn't want my coworkers to know what was going on.
So one day she calls my job and she was just awful. I talked to my boss that morning and told her about what all was going on in my life and the mess I had made so not to long after that she called me and was yelling at me so bad that I started crying. I told my boss that she was on the phone and my boss told me to tell her if she was going to talk to me that way then I was not to talk to her. So I told her that and she demanded to speak to my boss. I told my boss what was going on, I couldn't stop crying, so my boss got on the phone and talked to her. I went to my boss to see what happened and she told me that she was completely rude to her the moment she got on the phone she wanted my boss to give her human resources number and my boss said she couldn't so she snapped at my boss and told her yes she could. So my boss put her on hold to call HR and she hung up and never called back. I was so upset because my boss had nothing to do with it, she knows her job.
I have been so stressed behind this, I wish I would have known ahead of time how they treated their customers. I just moved to Spokane about 2 years ago with my children and my boyfriend and I didn't know it was going to be this hard being on our own, with really no help. We depend on each other through hard times. It was my choice to get the payday loan. At the time I thought it was the right one. I had done it before with no problems but this time I didn't work because my girls got sick and then I got sick, so I missed work sometimes and that puts all our bills in danger. I have to provide for 2 little girls who depend on me to keep a roof over their head, to keep clothes on their back and a full stomach, so yes, it gets hard for me. I intend to pay them back because I owe them and it was on my mind heavy and I stressed out a lot about it. I can't balance at work because this is worrying me with them calling, acting all crazy. I want people to know how they treat people.
Dave of Puyallup WA (12/10/07)
I was a customer with Fast Cash Loans for about a year. I paid on time, all the time. I went in there and told them I could not afford to do this anymore; they said I could set up a payment plan--my bill was $575.00. I gave them $75.00. I got the receipt and it still said $575. The lady told me that was the price I had to pay to enter into a payment plan. So I asked her if I paid $75.00 a week if that would be ok. She told me it would only take care of the finance charges. My bill would not go down so I refused to give them anymore money for free. They called my employer and yelled at him over the phone. Then they continued to call me at work constantly harassing me. They even said they put a lien against my home. The bill now has risen to $900.00. I have the money to pay them now, BUT SHOULD I? LET ME KNOW WHAT YOU THINK.
SUPPOSED LIEN AGAINST MY HOME ADDS STRESS TO ME ANd MY FAMILY.
Deborah of Tacoma WA (11/09/07)
I went in to Fast Cash to request a payment plan. When I made the request they told me I had to pay an additional $75 fee to set up my payment plan. I have set up a payment plan with them before and I never had to pay any extra fee. They changed their contract to include this extra fee equal to the fee for the loan to set up payments. I refused because I wasn't going to pay that charge. I couldn't afford to pay the loan off.
I will have to try to do a stop payment on my check because it will be cheaper than the $75 and then they will come after me for collection.
Kristin of Seattle WA (10/17/07)
After being a week late on paying my loan back the collector Carol called my work and told my co-worker who she was, where she worked and that they were going to be garnishing my wages because I failed to pay back my loan. Carol claims that my co-worker was claiming to be HR but I work in a hospital, HR is a totally different building and number. My co-worker never said anything except our address. A couple weeks later they started calling me about 5 times a day saying that I could try to get an attorney but I would never be able to afford one since I couldn't even pay back my loan and that I was mouthy. All I did was call and tell them to stop calling my work and that I would be in to pay my loan and I gave them the date that I would be in which was 3 days away. They then called me and said that they didn't play by my rules that I had to play by theirs and that I shouldn't waste my gas driving there if I didn't have all the money and that they would call when they wanted and I had no say in it because I was the one in the wrong by not paying back my loan. They were horrible and harrassing and wouldn't let me do a payment plan or anything.
I had to stop payment on the check that I gave them because they were trying to put it through to my account a couple times a day and ended up having to close my account.
Gloria of Los Angeles CA (09/05/07)
Fast Cash payday is still in business when I borrowed $500 and arranged for the money to be taken out of my checking account on my payday - the company chosse to take it out 2 weeks later. There was insufficient funds in the account at that time. I agreed to pay them the $500. However, they told me that I now owed them an excess of $800. There is no address for this lender and the only way you can pay is to send it my monet-gram. I've in dispute with this lender for the past 7 months.
Estela of Everett WA (08/16/06)
Margaret at Fast Cash Loans refused to give me her last name. Neither woudl she make payment arrangements to repay the loan. She threatened to call my boss and advise them that I wasn't paying my bills. She stated that if I didn't get off work early to come into their office, she would file a lawsuit against me.
I was made to feel that I am some type of criminal. She was very threatening to me. The stress is taking it's toll on my health.
Kymbereley of Lawndale CA (08/11/06)
I took out a loan and i was paying it back. i missed a payment and she called to ask about collections. she told me that she would have me arressted and call my job and tell them that i was going to jail, because i work at a school. she told me that she could have me put in jail and lose my kids.
i was very upset, i tried caling around to borrow money
Anita of Rocklin CA (08/07/06)
I have with me 6 Money Orders issued by Americas Fast Cash. How do I know if these are not counterfeit Money Orders? As I was reading this article regarding this company, it led me to believe that there no longer in business in Washington..but are they in other state?
Marianne of Oceanside NY (07/13/06)
I took a loan via computer for $300 and I provided my checking acct info to this company. They deposited the funds into my acct. and then took $90.00 USC three weeks later...which was before the expected deduction-which was my payment of 1/2 the loan...there was no way to contact this company...I have spoken to them after they called me via cell...
the loan conditions were changed by them without notice to me...I was expecting alf the amount plus interest to be paid to them..not payments of $90.00 which would accrue so much interest...25 percent!!!!..a scam!!!
Lorene of Tacoma WA (11/15/05)
I took out a payday loan with the organization. I was reloaning every two weeks.
In October of 2005, my pay check was shorted $800 and I was unable to honor the pay day loan check. Three days prior to the due date, I called Fast Cash loans and explained. At the time, they informed me that it was ok and to stop pay on the check and that a Mr. Shockley will call me to make arrangements to pay it off. I did just that.
I then contacted them a week later as I had not heard from them and wanted to take care of the check and arrangements to pay them through my online banking.
I spoke with a Denise who told me that I can pay $165 every two weeks until it is paid off. I was unable to do this and requested the address once again, to set up payments. She refused, stating they were not set up for payments but, she offered again to make the payment arrangements every two weeks.
I attempted on more than 7 more times from Oct to current to obtain an address to send payments once a month. As of today, I have yet to receive an address.
I have also asked that they call me on my cell phone during the daytime since I work and I am unable to answer my phone at home and I wanted to get this taken care of asap. They continued to call my home and leave me threatening messages but still not providing an address.
After each voicemail, I would return the call of course after hours and leave more messages requesting an address.
I was forced to have my voicemail at home turned off to prevent the threatening messages.
Yesteray, November 14, 2005, my 11 year old son told me that Mr. Shockly called from Fast Cash Loans called and stated If your mom does not pay her bad checks, she will get all her wages garnished. Do I need to say more??? This company is threatening and are using illegal tactics and refusing to work with me.
Lynn of Gig Harbor WA (05/21/05)
We were unable to pay back our loan and were unable to make the payment arrangements they offered. They would not let us make smaller payments. As I was unemployed and we had no intention at the time of not paying the loan on time we were hoping they would work with us.
We recieved numerous nasty and demeaning calls from Olivia Cruz saying we could not run, she knew where my husband worked and they were filing a claim with Pierce County Court and that his paycheck would be garnished and that we would pay court fees and did we think we got away with something and did we think this was just free money.On and on in a very nasty tone usually ending in you have yourself a great day! then slamming the phone down. There was no reason to call her back because we just didn't have as much money as they wanted and wouldn't take payments we could afford.
We aren't bad people and we weren't trying to get away with anything. We are now in a position to pay this off and can't seem to get thru to anyone there.
Edward of Conway SC (11/06/04)
Fast Cash, Inc. is a payday loan company. I initially borrowed $300 and then another $300, for a total of $690 (including interest charges of $90).
I have received 2 letters demanding payment or they will file criminal charges against me (citing the NSF laws of South Carolina).
This is prohibited in South Carolina under the FTC and Fair Debt Collection Practices Act, which state that Fast Cash may not threaten or intimidate me by threatning to file criminal charges. They may only file civil actions under South Carolin Law.
Fast Cash's actions have resulted in tremendous mental stress upon myself and especially my wife, who is already recovering from emotional problems resultant from a stroke and seizure, which she is being treated for by her doctor.
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