ComplaintsforCASH 1 Loans

• Initial Complaint

  11/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On October 6, 2022 I received a phone call from Cash 1 title loans ***** * ********** *** ***** ** ***** ************* asking if I applied for a loan. I told them no, and a lady named Jill told me that someone obtained my drivers license and car registration from hacking the DMV's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the OIG, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get "It will be released in 2 hours", "it will be released in 2 days", "we're having program/system problems". I contacted Cash 1 again for the last time on November 14, and Gracie told me the same thing "I put in an emergency request to remove the lien, and it will be cleared in 2 hours". Gracie has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the 3rd time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they cannot put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with JPMorgan Chase, which I put a stop to,

  Business response

  11/25/2022

  CASH 1 takes account security and identity theft very seriously. We have always worked closely with the authorities to thwart fraudsters and be part of the solution in combating fraudulent activity.

  
  In this particular case, on October 6, 2022, CASH 1 received an online loan inquiry for Mr. *******. Our underwriting identified this transaction as potentially fraudulent, and CASH 1 used skip-tracing tools to locate and contact the real Mr. *******. Mr* ******* confirmed to us that this was indeed a fraudulent attempt.

  
  The fraudster gained access to Mr. ********* AZMVDNow.com account and sent CASH 1 authorization to place a lien on Mr. ********* vehicle in an attempt to obtain a loan. While it is not part of our process to keep a lien on a vehicle where we do not intend to fund the loan, we conferred with both an investigator with the Arizona Department of Transportation and Mr. ******** and together we determined that this was the best option to catch the fraudster and/or help to prevent further attempts by the fraudster.

  
  With Mr. ********* authorization, we intended to keep the lien for only a few days. Regrettably, this coincided with our onboarding of a new electronic lien provider. Despite our best efforts, the new electronic lien provider mishandled the onboarding process resulting in our records being inaccessible for two weeks. This delay was out of our control, but we made the mistake of not communicating this situation as clearly as we could have to Mr. *******. The lien was released on November 14, 2022, confirmation of which was sent to Mr. Bulloch via email. We have since explained these circumstances to Mr. ******* and apologized to him.

  
  We take consumer complaints seriously and strive to achieve a culture of compliance. We value our customers and look forward to continuing to serve their financial needs.

  Customer response

  11/28/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***** *******
  
   
  

• Initial Complaint

  11/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I did take out a loan from this company. On one payment date I called to request to make the payment on a later date which I would told the payment would be extended but then I was charged the next day making my account be overdrawn and what I was trying to avoid. Payments are also due on Fridays and my contract says I have a payment date of November 11 but I was charged November 10 with no notice of an early payment date. This business is not fair to consumers.

  Business response

  12/01/2022

  Our District Manager has spoken with her but was unable to resolve her concerns. I have since reached out to Ms. ******* but she has not yet returned my correspondence.

  We hope that Ms. ****** returns our contact so we may further discuss her concerns.

  Best Regards,

• Initial Complaint

  11/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I called on Wednesday November 2nd and requested a deferral and the representative I spoke with said I could have one and confirmed the payment would be placed onto the back of my loan. I kept getting harassing calls while Im burying a loved one I answer when I have time and apparently spoke with a supervisor she was rude and kept cutting me off while I was trying to talk. ******* is her name and she told me they dont give deferrals. I will be reaching out to the attorney general and a lawyer. Ive had it with this company and their employees not knowing what their policies are. Also this is not the first time I have been treated disrespectfully by ****************** had an issue with her attitude and unprofessional before. This company is a bunch of crooks will say one thing and do another everytime!

  Business response

  11/15/2022

  We are happy to report that we have fully resolved this matter to our customer's satisfaction. We therefore consider this matter to be resolved.

  We take consumer complaints seriously and strive to achieve a culture of compliance. We value our customers and look forward to continuing to serve their financial needs.

• Initial Complaint

  10/26/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On October 14th, I took out a small loan of 540.00. I had one previously at the end of May, and paid it off in full August 2022. We have been in the middle of moving since the end of June, and are currently off grid. When they funded my loan on the 14th, they displayed the last four of my card number which I didn't have on my person. This was my fault for not being able to verify. When I asked the agent about this, I was assured that it would not fund to a card that has been replaced. On Sunday the 16th, when I still did not have the money, I called again, and she told me it was funded to my Capital One. I have one debit card for my checking, none for my savings, and one credit card that needed to be paid off. (Thus the loan) I then called Capital One, and they checked all, and said I have never had a card that ended in the four digits Cash1 provided. They double checked credit and my checking and no money. I called Cash1 back and have them access thru plaid to check all my accounts to verify I have not received any monies. Their manager Shane had been on vacation, and it would be escalated to him. After speaking to Capital One again and me calling back several times, I finally got him on Wednesday. He stated I was responsible because I funded my own loan, yet they won't say where the money went to me or Capital One. It is not in my Capital One account and I keep getting messages every day I still have more funds available, yet when I call, they say because if the funding Issue, I cannot, so quit sending the messages. On that Sunday the 16th,I also provided my routing and account number. So here it is now eleven days later and no one has bothered finding the monies or cancelling the transaction. I wish I could do it from my end, but I do not work for the company, yet that's all Shane wanted to tell me it's that I funded it.

  Business response

  11/04/2022

  We have reached out to Ms. ****** for more information. We request an additional 14-days to address her complaint, as we will likely require her financial institution's assistance to resolve her concerns. Best, CASH 1

  Customer response

  11/05/2022

  I have called Cash1 three times this week alone to see if anyone had located where they funded my cash to, and also had Capital One on the line with me so they could verify again that I don't have any cards that end in 0209.I also have requested to speak to Shane's supervisor trying to follow chain of command. I was just told the name is Dawn, with no phone number or email. Previously, two days after the supposed funding, I had given them my account and routing numbers along with giving them access to all three accounts thru plaid which they verified with me on the line that I had not received any monies from their company. They have not reached out to me at all except thru text messaging to remind me I have a payment due on a loan that I never received.

• Initial Complaint

  10/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I fell behind with payments and I just added them to ******************** company meaning they are going to work with them on a payment plan for me. Either party got anything done and I got a lawsuit against me and I check with them and they ARE in the program to be worked on. Cash 1 FAILED on calling them and they are bugging me for this money.

  Business response

  10/13/2022

  Upon receipt of this complaint, we followed up on ********************** claims and verified third-party representation. CASH 1 was not contacted prior, as confirmed by the third party.
  We are now in receipt of the representation documents, and we look forward to working with ******************** in resolving ********************** outstanding balance.

• Initial Complaint

  09/26/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In a pinch, I filled out the application and selected the debit card option online, which promised 15 minute delivery. I signed and received my materials back via email... Including a receipt. This turned out to be fake -- my loan hadn't even been approved. I had to call and manually do everything. The online process will NEVER lead to a direct loan without talking to someone. And you will have to engage with someone.They are unprofessional, lack courtesy, and misrepresent themselves through the loan process, ie: Sending you a receipt like your loan has been funding when it has not.Also...The bottom of my agreement states the following (apologies for capitalization it is copy and pasted from the contract): CASH 1 OPERATES A TOLL-FREE COMPLAINT HOTLINE STAFFED BY EMPLOYEES WHO DO NOT WORK IN OUR STORES AND WHO ARE TRAINED TO ASSIST CUSTOMERS WITH COMPLAINTS. PLEASE CALL OUR COMPLAINT HOTLINE AT **************, OPTION 2 IF YOU ARE DISSATISFIED WITH OUR SERVICE OR YOUR LOAN.This number just routes to their main number. When told about this, they refused to allow me to talk to a supervisor, and would only talk to the supervisor on my behalf. When I had to resign my documentation, I was presented this and was told to contact ***************** at ******************** which seemed weird. Thrivos is the parent company of this and several other emergency leaders.I was in a tough spot for a few days bridging until a payday, so I ended up signing and filing the complaint. This is presented as a quick and easy way to process a collateral loan and get funded immediately. It's not.... I repeat -- they present that you can get an online loan done immediately on several pages. YOU CANNOT. You will ALWAYS have to talk to someone, and in my case, it took 45 minutes, even though I had already "signed" online. They also take additional employment information and seem to struggle with PLAID integration and they don't see multiple names (you have to check a box in their api).

  Business response

  10/03/2022

  We are sorry to hear of our customer's dissatisfaction with ********************.
  
  While we are disappointed that he did not have a positive initial experience, we are happy to have earned his patronage and we hope we are given the opportunity to make him a raving fan.  
  
  Regarding our toll-free number, we appreciate this being brought to our attention. Weve learned a recent phone system update caused a bug affecting call routing. This has been corrected.

  Customer response

  10/03/2022

  This phone issue has not been fixed... if I follow ************** at ************ - there is no option to talk to a person about a complaint. There is only option 5 which allows you to record a compliment or a complaint.

   

  Contractually, I am supposed to have the ability to talk to someone about a complaint. This is not being offered.

• Initial Complaint

  09/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Recently the past several days (3-4) I have been getting nonstop calls and text messages from scams or loan to personal loan entities which I assumed to be scammers. Now a company called Cash 1 loans charged $0.10 cents as if to test my account. I had my wallet recently lost/ stolen after the hospital clinic visits and stays. I found and got my wallet back with some missing credit cards but didn't think whoever did this may sign under my name and for loans, which I have never, ever applied for. I called and placed a fraud alert on my credit bureaus and also called my bank for a new card and then the claims to get my money back and explained to them how I never or could have applied for a lean and they agreed. I should have been let known about any transaction and/charges to my account. Luckily I check daily. Cash 1 loan and the others that have called and harassed me never went this far or knew of these other false applications as whomever never got far enough or never signed the e-documents or whatnot necessary to finish the steps and finalize. However cash 1 loan proceeded as of yesterday or recently, attempted a $0.10 cent charge as if to prepare to take funds and force an application to go through and take unauthorized money and transactions. I asked all callers to delete and stop to delete my information like speedycash, cashu or usloans, bright lending, etc, whoever! So many to list and name! None of the other entities went this far. It's obvious this was a scam to begin with. I want Cash 1 loan and others to leave me alone. I never applied or thought about doing a loan. If I wanted to I would personally show up and do this in-person at a branch or called them and made sure. Leave me and my money and my accounts alone. Considered filing police report on this but already started one about the missing/ stolen wallet and did the above and prior stated extra security and claims, calls. Along with the headaches and hassles. I never authorized any charges or loans!

  Business response

  09/22/2022

  We are happy to report that we have fully resolved this matter to the consumer's satisfaction. We therefore consider this matter to be resolved.

  
  We take consumer complaints seriously and strive to achieve a culture of compliance. We value our customers and look forward to continuing to serve their financial needs.

  Customer response

  09/23/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  Terran B
  
   
  

• Initial Complaint

  08/17/2022

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I have been a customer with ********************** for quite some time now. I've had multiple loans and paid them off. Due to unforeseen circumstances associated with my mom's health I was not able to pay for the last loan I received. I've called the legal department to make payment arrangements because I do not want to be in bad standings. They are not willing to make any payment arrangements and have no sympathy for my situation. Despite my history with them they are unwilling to work with me. Not only do they not want to work with me, but now they want to charge me $10,000 for a $3,000 that I made multiple payments on. I don't know how a company like this can stay in business. I find this situation very unfair and most of everything very disappointed at their lack of sympathy and only solution offered is to threaten me to take me to court and garnish my wages.

  Business response

  08/23/2022

  We are happy to report that we have fully resolved this matter to our customer's satisfaction. We therefore consider this matter to be resolved.

  
  We take consumer complaints seriously and strive to achieve a culture of compliance. We value our customers and look forward to continuing to serve their financial needs.

  Customer response

  08/23/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *******************************
  
   
  

• Initial Complaint

  08/08/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Cash 1 Auto Loans served me with a summons for a loan taken out on 11/15/2021. The loan was not taken out by me. I have requested more information from them and they are willing to provide the promissory note, my signature for the loan and supporting documents that the online loan was opened with. They are not helpful and their pratice in speaking with people is unprofessional and intimidating.

  Business response

  08/12/2022

  We are happy to report that we have fully resolved this matter to the consumer's satisfaction. We therefore consider this matter to be resolved.
  We take consumer complaints seriously and strive to achieve a culture of compliance.

• Initial Complaint

  07/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  they charge to much for a loan payment and they take money out of your account even after you your loan off all i want is a cheaper payment cant afford what their charging me i talk to them and they wont work with me

  Business response

  07/15/2022

  We are happy to report that we have fully resolved this matter to our customer's satisfaction. We therefore consider this matter to be resolved. We take consumer complaints seriously and strive to achieve a culture of compliance. We value our customers and look forward to continuing to serve their financial needs.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩