ComplaintsforRight Now Loans
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Complaint Details
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Initial Complaint
07/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
My husband took out a loan and was not told of the 600% APR. This is a violation of the usury laws and is known as predatory lending. Requesting address for corporate office and phone number to write a complaint to get the interest back.Business response
07/03/2024
Good day,
Thank you for contacting Right Now Loans.
We are sorry for any inconvenience that you've had encountered. We would appreciate it if you can provide the details of your account so that we can further investigate and provide necessary actions as required.
Right Now Loan is committed to promptly resolving customers' issues. Kindly contact us at ************** and one of our Resolution Specialists will assist you.
Regards,
Right Now LoansInitial Complaint
05/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I applied for a loan and was told I was approved and e signed my documents and the money was supposed to get deposited in 24 hours and has not Been yet.Business response
05/20/2024
Good day,
Thank you for contacting Right Now Loans.We are sorry to hear that you were not able to get the loan that you wanted. No one likes to feel rejected for anything.
An individual who is pre-qualified means they meet a certain level of qualifications to move forward with the full underwriting process, which is necessary for any lender to complete before the extent of credit.
Any loan company with whom you apply will ask for the same information to not only ensure account correctness, but customer identity as well. We need to know the account information so that in the event you are approved for the loan, we know we have the correct account into which the funds would be deposited. Our applications pass through a preliminary screening before they download into our database. If they pass this screening, they are considered pre-qualified. This does not mean that the application has been finalized, and we conduct verification to ensure customer identity and correct account information in the event that the application will, indeed, be completely approved.
Our apologies for any disturbance, and hopefully the above information has provided more clarity.
Regards,
Right Now LoansInitial Complaint
03/22/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I brought 400 from this company they got me pay back 3500 and taking out my ckeck every two weeks 140Business response
03/26/2024
Good day,
Thank you for contacting Right Now Loans.We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.
Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs. We really want to help you.
We can also provide you a new payment plan that will be suitable for you in order to settle your account. Please call us and ask to be transferred to the ********************* so we can best assist you.
Regards,
Right Now LoansInitial Complaint
03/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I took out a pay day loan for ****** and this company wants to charge me ***** for an entire year to repay the loan. I was told before I signed that the payment schedule wld change once the loan money was dispensed. Now they are telling me the rest of the payments are interest payments.Business response
03/21/2024
Good day,
Thank you for contacting Right Now Loans.We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.
Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs.
Upon checking our records, you already spoke with one of our Resolution Specialists and assisted you with your concern but If your concern is still not resolved, kindly contact us at **************.Regards,
Right Now LoansInitial Complaint
03/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
They gave me a loan I did not authorize and now they a preying on me trying to get me to pay back quadruple the amount that they put in my accountBusiness response
03/19/2024
Good day,
Thank you for contacting Right Now Loans.We are sorry for any inconvenience that you've had encountered. We would appreciate it if you can provide the details of your account so that we can further investigate and provide necessary actions as required.
Right Now Loan is committed to promptly resolving customers' issues. Kindly contact us at ************** and one of our Resolution Specialists will assist you.
Regards,
Right Now LoansInitial Complaint
01/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company is refusing to tell me the payoff amount or how to make the payment. In doing so I am accruing interest at a rate of 700%+. Each day that they refuse to take my payoff is a day I accrue unnecessary interest charges. I call and they tell me a different department is handling my loan. They transfer me and the phone stays on hold and eventually the call disconnects.Business response
01/19/2024
Good day,
Thank you for contacting Right Now Loans.We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.
Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs.
We reviewed our record and found out that one of our Resolution Specialist already assisted you regarding your concern.Regards,
Right Now LoansInitial Complaint
01/11/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I don't remember doing a $5,000 payment on a $750 loan with this business. Right Now Loans was already paid $750. They said that I was making 23 payments on the $750 loan. I was overcharged $227.62 twenty three times.Business response
01/12/2024
Good day,
Thank you for contacting Right Now Loans.
We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.
Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs.
As a courtesy, we will disregard your remaining balance and your account will now be closed as "Paid Off-Settled".
Should you require further assistance, please do not hesitate to call us back at ************** and a Resolution Specialist will assist you.
Regards,
Right Now LoansCustomer response
01/12/2024
Complaint: 21134395
I am rejecting this response because:I never got refunded after the overcharge, overbilling scheme.
Sincerely,
*********************Business response
01/15/2024
Good day,
Thank you for contacting Right Now Loans.
We understand you've put so much time and effort into this, and it has to be difficult for you. Please accept our deepest apologies for the inconvenience.
We encourage you to contact us **************, and we will make every effort to address your concern.
Regards,
Right Now LoansCustomer response
01/17/2024
Complaint: 21134395
I am rejecting this response because:Right Now Loans manipulated me and overbilled me. As a result of this, I was faced with financial hardships after I was overbilled multiple times by this company. This was an overbilling scheme.
Sincerely,
*********************Initial Complaint
12/26/2023
- Complaint Type:
- Order Issues
- Status:
- Answered
I was trying to close out this predatory loan and was given an amount on Thursday ***** of $1500.00. Was also about to make a payment the next day through automatic payment. When I called back on Friday after the payment came out of my account, I was told if I closed it out it would be $1005.83. I repeated the amount and within hours to make that arrangement, it went back to $1500.00. I cant reach a supervisor to have management to review the calls. I need this loan closed out and not be stolen from.Business response
12/27/2023
Good day,
Thank you for contacting Right Now Loans.
We are sorry for any inconvenience that you've had encountered. We understand that you feel that there are unexpected charges associated with your loan. During the loan underwriting process, you were made aware of certain charges or fees related to the loan as well as the APR. Under the Federal Truth in Lending Act and other applicable regulations, we are required to provide an accurate and comprehensive fee disclosure. The charges related to your loan were written out in the loan documentation which you agreed to during the lending process.
Before funding a loan, customers are advised of the total cost of their loan and the fees along with different plans to pay the loan back which we believe are competitive with other lenders. This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs. We really want to help you.
We can also provide you a new payment plan that will be suitable for you in order to settle your account.Please call us at ************** and ask to be transferred to the ********************* so we can best assist you.
Regards,
Right Now LoansInitial Complaint
12/19/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company charged me a 781% interest rate on a $500 loan. There is absolutely NO WAY this is ethical. Because they are run by and backed by tribal community and law they are taking advantage of those in need. I have offered a fair settlement amount and was treated horribly by their representative on the phone.Business response
12/20/2023
Good day,
Thank you for contacting Right Now Loans.We are sorry for any inconvenience that you have encountered. We are an economic arm and instrumentality of the Tribe operating under the laws of the Tribe, and its operations are required to comply with Tribal and Federal consumer protection laws. To that end, the Tribe maintains its own mechanisms and procedures for handling consumer complaints and otherwise ensuring compliance with applicable law.
Right Now Loans does offer 3 different repayment options. If you go to our website under Frequently Asked Questions, "How much does my loan cost?" we provide our customers with a sample rate chart explaining to them on schedule under which how their payments may be made.We also advise our customers that if they want to minimize the total cost of their loan, they should take steps to either pay off loans in full as soon as possible or to pay as much as possible towards principal in addition to each minimum loan payment under their payment schedule in order to repay as quickly as possible and reduce the finance fees paid. Right Now Loans never charges early prepayment penalties.
Base on our records, you already spoke with one of our Financial Officer to assist you with a new payment arrangement, but If you think that your concern is still not resolved, kindly contact us at ************** and a Resolution Specialist will be happy to assist you.
Regards,
Right Now LoansInitial Complaint
11/14/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company is fraudulent pretended being right now loans claim ********** would've give employee ID called from ***********, gave number as ************, when she remained silent when asked her ID and to speak with Supervisor called back and *** answered pretended to find Supervisor and kept putting me on holdBusiness response
11/15/2023
Good day,
Thank you for contacting Right Now Loans.
We understand you've put so much time and effort into this, and it has to be difficult for you. Please accept our deepest apologies for the inconvenience.
We encourage you to contact us **************, and we will make every effort to address your concern.Regards,
Right Now Loans
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Customer Complaints Summary
31 total complaints in the last 3 years.
13 complaints closed in the last 12 months.