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Rine of Tucson AZ (07/08/08)
I loaned $200 from one click cash and having to pay back $435.00 not even on top of the $200. This is criminal and should be stoped!
David of Laporte TX (07/05/08)
I was also the victm of One Click Cash, Also known as SFS, Inc . I did not apply for a $150.00 but yet they debited close to $300.00 from my account before I had to close the account. I have filed numerous complaints with the Nebraska Attorney General, Nebraska Dept of Banking, Federal Trade Commission , FBI and others. One Click Cash ( AKA SFS, INC) is located on the Santee Sioux Nation Indian Reservation with a company address Niobrara NE 68760. SFS/ONE CLICK has claimed it has been incorporated by the Santee Nation Indian Tribe.
The Nebraska Dept of Banking issued a 'CEASE and DESIST ORDER to SFS in 2007 to cease doing business in Nebraska, but SFS thumber their nose at the order In the State of Colorado a complaint was filed by the Colorado Attorney General. Miami Nations Enterpries ( DBA Cash Advance) and SFS ( DBA Preferred Cash) and now DBA ONECLICK CASH, have claimed that their companies were tribal Entities and thus immune from law under the doctrince of tribal Sovereign immunity, which basically means they are thumbing there noses at US and State laws. The case is still on-going, and the Court has issued arrest warrants. The arrest warrants have been stayed pending appeal by the MNE and SFS.
I tried to email Tribal chairman to assist me in trying to provide info on SFS, and complaining that the actions of this company that is within his jurisdiction and control were illegal and unethical, but of course he refused to answer. I intend to contact news media sources and my members of Congress in an attempt to stop these illegal actions and I encourage all of you who have been victims to do the same. The Bureau of Indian Affairs refused to return my telephone calls.
Danny of Denver CO (07/01/08)
I too have had issues with one click cash. Nearly 2 months ago I recieved a loan totalling 150 dollars from them and have paid to date over 200. I am reporting them to the Better Business Bureau.
Judie of San Diego CA (06/25/08)
I've never experienced anything like this loan co. It should definetly be shut down. A person borrowing $300. will be paying $900 at least. With them the financew charge is 1260%. That should be outlawed.
Jennifer of Kingsley PA (06/06/08)
i never received a loan from u and u are trying to take money back from me i don't think so u are a scram and better stop it now
i am having bounced fees now never got such money
Trina of Citrus Heights CA (06/05/08)
i tried f time to to contact one click cash becasue they were take 90.00 out of my chck account every other friday. When I finally got some one on the phone which I had to get their phone from my bank I was told I own 390.00. Even though I was told I would be paying 90.00 every other friday to pay toward my balance.
Now that checking account is in the negative by 850.00 250.00 dollars in NSF charges. No one from one click cash will call me back to refund my money. the customer service I spoke to was rude hung the phone on me twice. I requested to speak to a manager. She told me I she was the manager. I knew it wasn't true becasue her voice was the same with a strong southern drawn. I need help I have paid this company over 800.00 dollars. this is unfair and unethical
Julia of Louisville KY (05/06/08)
I took a payday advance out with these people and another company earlier this year. I wanted to sign up for credit couseling to put the bills on there that were not able to go on my bankruptcy, student loans, etc. I was going to place One Click Cash on there and I have. They keep calling me and calling me five or six times a day. I just had a phone call from their office telling me they don't accept credit counseling agency. I was even told by the State of Ky Office of Finance that I would not be held responsbile for my bill because what these payday advance companies are doing are illegally practicing in the state and they can get fined by the state.
Valentina of Belmont CA (05/04/08)
I applied online and was approved for a $300 loan. Someone from OneClickCash called me at work and verified it is my valid work number. I asked how much money I will owe OneClickCash including the interest. The amount was $500 and I agreed on that.
My next payday, only $90 was taken out of my account and the same on the following 3 paydays. On the 5th payday $90 AND $50, which made a total of $500. I was relieved because I thought my loan was finally paid off in full on 10Jan08.
On 24Jan08 my account was charged $50 and $75. On 07Feb08 my account was charged $60 and $50. I did not notice the charges until 11Feb08 when my account was overdrawn with outragesous insufficeint fund fees. I disputed any charges that exceeded $500 through my bank. I got my money back and blocked OneClickCash from charging my account.
After that I received a phone call from OneClickCash saying I owe them $500+ and they need to collect the funds from me. I did not want to hear it; for one, the amount I appearently owed was high and second, I had insufficient fund fees on my account. I went into it with the lady that called and hung up on her. She did not explain anything and only said you owe us $XXX and I am trying to help you.
Before disputing the charges, I tried contacting OneClickCash by phone but whenever I called they were closed. I tried different numbers which I would get from recordings when I called them with the original number I had for OneClickCash. On 31Mar08, there was a preauthorized check charge in the amount of $525 on my account. Since it was a check unauthorized charges was not an option and check fraud is also not an option because I did give them my account number. I called OneClickCash (got the number for them from my bank) and tried to get my money back. I was nice about it and ended it with You owed us that money. Your account is now paid in full.
On 01May08, I had a voicemail from an unclear name from OneClickCash. When I returned the call, the extention did not exist. I spoke with another representative telling me that I owe them $500+ again. I do not know what to do, I refuse to send/fax anything to OneClickCash to prove, I already paid the $525 on 31Mar08. I do not know how to prove that I spoke with someone who said that my account was paid in full. This was crazy! My account is overdrawn still and I cannot close it until I pay the money back.
Insufficient funds that lead to late payments for my other bills. Time consumed during work hours to try to get a hold of a OneClickCash representative almost got me fired. I do not know how OneClickCash influences my credit history but obviously not in any good way. I am stressed out AGAIN over this OneClickCash.
Tamara of Virginia Beach VA (02/12/08)
They drafted my account so many times that they over drafted my account for $800.00 I had to shut my account down and now I cannot afford to pay the bank. Because of this my credit score is horrible and they still continue to hassle me everyday at my job. This is making me literally sick.
Crystal of Statesville NC (02/01/08)
I was out of work for 1 week due to my diabetes and hypertension and other medical problems. I received several emails from payday advances and went with Oneclick. I was contacted by the company because I never completed the application process. I talked to 5 different reps before I decided to go through with the pay day loan. I was told by all 5 reps that 90 dollars would be drafted from my account biweekly until the $390.00 ($90 was suppose to be the interest) was paid in full.
Something just didn't feel right so I called on Jan 17th to reverify the info I was given and the rep stated She saw a payment of $90.00 that would draft out on Jan 18th that would reflect on my balance. I still had a unsettling feeling so I called on Jan 29th and spoke with a man and he stated I haven't even started paying towards my balance of the $390.00. I informed him of my 5 conversations with reps I spoke with before the transaction took place and he stated there were no notations showing I spoke with 5 reps. During this conversation I advised the rep that no funds should be from my account and I would mail in the $110.00 to payoff the account. He stated he couldn't stop the transaction and he would fax me a form. He then went on to say very rudely that he didn't show I spoke with a rep on Jan 17th.
I ended the conversation due to my medical condition and called my cousin who is in law school. Thus on Jan 30, I called the company back and spoke to yet another rude lady that stated I hadn't paid a dime towards the $390.00 ($90 of it interest). She stated that the $270.00 that has already drafted was interest! By now everyone in my home was listening to this conversation or FLOORED. If I had known that One click Cash was so misleading, I could have paid them back in FULL the same week I borrowed the $300.00. Pay Day Advance Companies shouldn't be allowed to take advantage of the consumers with such bad practices. Thus I have decided to report the company and try to began a Class Action lawsuit. The Never Mentioned Service Fees and are Not licensed.
Caroline of Reseda CA (01/27/08)
I, too am a victim of One Click Cash. I read all of your stories, CLOSE YOUR BANK ACCOUNT, and write them a letter. Their contracts are not valid no matter what they say. Yes, we did borrow money, but they are not allowed to violate any law. They claim they are held to California law or any other law, but they are not. The more who complain the better.
I am broke.
Vivian of Albany NY (06/22/07)
Obtained a payday loan with this co for $350 in April 07. I have made payments of $105 for a total of $315 since loan was received. On 6/14/07, due to fraudulent activity & unauthorized debits from my checking account, I was forced to close my checking account. All payday lenders,(total of 10 - Ameriloan, United Cash Loans, One click Cash, 500 Fast Cash, Payday yes, MTE financial, Cash Advance USA, Ambassador Financial, national opportunities limited and United Capital Credit) including this particular one were notified. On 6/19/07 I was contacted by Sherese and told that in addition to the $315 I have already paid for a $350 loan, that I still owe a balance of $560, which must be paid in 2 payments.
Due to amounts of amounts of over $900 being debited from my account every two weeks, I am unable to pay rent on time, late on car payments,unable to buy food, gas and other necessities. I acknowledge the debt, and am willing to pay, but need more satisfactory arrangements and credit for money they already received. Can you suggest someone that can help me with this situation? I have not contacted the NYS Attorney general's office as I was trying to make satisfactory payment arrangements myself. They are not cooperating and in the meantime, they are continuing to accrue finance charges.
John of Burney CA (05/05/07)
i had gotten a $250 payday loan in january ,was under impression that they would take out $300 next payday , but instead its been a steady stream of payments every friday sinse january they deduct every friday usualy in 3 payments at a time $90 $50 $60 every friday have made over $700 in payments do that ,in which i can log on to my account but i never see the balance just what they are deducting the next payment
in takeing 3 payment at a time out at once my account has been severaly over drawn with the over draft fees seems my account is always -$500 all the time i have paid twice my loan and there is no ending
Veronica of Lancaster CA (10/16/06)
I borrowed 300 dollars from this company and was told that I would be paying 90 dollars interest. They proceeded to take 90 dollars out of my account every two weeks (180 dollars a month) until they withdrew the total of 390 out of my account. They say that at this time I was into pay down. when they tried to debit another 90 dollars the payment bounced. I called them to let them know that I couldn't make the payment that week and was told that I had a problem because I had agreed to making the payment. They then debited a 30 dollar charge and another charge for 140 which they say was the pay down of 90 + 50 dollars. Those amounts bounced too. I called again and explained that I was having difficulties making ends meet that month and too stop the debits. They said they couldn't stop them because they were automatic. I placed a stop payment on their debits because I had been charged 125 dollars in nsf fees from my bank. they they proceeded to debit my account for what i was told was a garnishment for the amount of 585. It bounced of course because the funds still were not there. I had to protect my income from these fees so I stopped payment.
I called the company to find out what this 585 amount was and they told me that it was the amount i owed, plus late fees. This would mean that I am not into this company for close to 1000 dollars for a 300 loan. I tried to make a settlement arrangement with them but couldn't not meet that obligation due to continuing financial problems.
It would seem to me that these companies should have a limit on what they can charge consumers and when a consumer calls in to explain their difficulties, they should stop the late fees because they will never get paid if the consumer doesn't have the money.
I heard that there was a law in california that prevented these payday loan companies from lending more than 255 dollars. When I confronted them with this information they told me they were not under that law because they were in nebraska. Is this true?
I am truly stressed out about this and being that I have Fibromyalgia and am on Social Security disability, I don't need the added stress to my body.
I can't afford to repay them any more money.
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