Complaints

• Initial Complaint

  10/28/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have been a member of Cash Advance Now since last year. On October 7th,2023 I was eligible to take out a secondary loan of $700.00 weekly on Fridays. I had gone out of town October 16th,2023 due to a family emergency. When I returned my hours were reduced I had requested to revoke my ACH until I was able to get back on my feet. On December 30th,2023 I reached out to CFPB and I received a response on January ******* and the response I received said I have partial payments.and that Cash Advance Now is willing to make a settlement of $447.00 The payment plan began on May 31st,2024 of $44.78 8 bi weekly payments. I reached out in June and asked if I can make my payments monthly instead and my first monthly was July 26th,2024 of $75.00 and the Second Payment was $75.00 on August 26th,2024 and the last payment was made September 26th,2024 of $75.00. I was affected by hurricane ****** and because of that my hours were cut because my job closed due to hurricane ****** and I was out of work for 3 days. I asked if I can move the payment and it was deferred to November 26th,2024 of $75.00 making the maturity date to January 27th,2025. I am trying to get back on track the balance on this settlement is $178.03. I am on a fixed income barely getting by and I have been struggling financially for a year and a half and I have Doctor's Appointments which is costing me money. I do not want to be struggling I would like to settle for what has been paid towards this loan and close this account. I look forward to a resolution to this matter

  Business response

  11/04/2024

  ****** ******* BBB 22484990
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. We note that this complaint was previously received and responded to. The following is our response to the items noted.
  
  As indicated in our prior responses, Cash Advance Now is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* ***************** Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  We communicated with ****** ******* directly in an effort to resolve their previously expressed concerns. Our settlement offer represented the remaining principal balance owed on the loan. All interest and fees were waived. Cash Advance Now was simply looking to be made whole.
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ****** ******* is legally binding. Thus, we had every right to expect payment as scheduled in the agreement. We have reached out to ****** ******* directly in an effort to resolve their complaint. ****** *******, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now

• Initial Complaint

  09/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I continue to receive emails of adverse action from this business denying a loan that I never applied for.

  Business response

  10/02/2024

  ****** Maati BBB 22330211
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, ****************** received a loan application in ****** Maatis name and subsequently completed underwriting.  Too date this application has been withdrawn and per ****** Maatis request, we have opted them out of our communications. 
  
  If fraud is suspected, we recommend that they file an Identity Theft Report with the ************************ at ****************************** and with their local authorities, and then email a copy of these reports to us at ************************************************************  for our records.  
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now
  
  

• Initial Complaint

  08/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was told that I could skip a payment as long as was not back to back on the modified payment. I chatted and asked to do this. I was told not a option and was basically called a liar even though I have proof. The person was very rude and tried to give me so called options that don't work. I need them to give me the option I was told I could do

  Business response

  09/03/2024

  ********************************* BBB BBB Case Number: 22198496
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments,good or bad, very seriously.  The following is our response to the items noted. 
  
  We would like to take this opportunity to provide you with some background information on our company and our actions in response to our customer.  ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.
  
  We would also like to apologize for any miscommunication and resulting inconvenience experienced by ********************************* related to our payment modification process as we always strive to offer exceptional customer service.
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ********************************* is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, ********************************* has only made a partial repayment towards the total outstanding loan balance. 
  
  Nevertheless, we will communicate with ********************************* directly in an effort to resolve their concerns.  Correspondingly,*********************************, at their convenience, may call our customer service line,and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now

  Customer response

  09/03/2024

   
  Complaint: 22198496
  
  I am rejecting this response because:
  I already delt with customer service and was told that I can not do as i was previously told I could do. I even told them that I have proof that I was told I could skip payment as long as was not back to back with modified and was basically called a liar. Your company lied to me and unfortunately did not allow me to do as I needed when I was told I could do that and caused me even more stress due to over draft acct because of my extremely unexpected expense that came up. 
  Sincerely,
  
  *********************************

• Initial Complaint

  08/06/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On August 6th 2024, I received a denial letter for a loan. I have not requested services from this company. This is Fraud.

  Business response

  08/15/2024

  ************************************** BBB 22098524
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* *****************
  
  Cash Advance Now received a loan application in *************************-Carneys name and subsequently completed underwriting.  The application on file was withdrawn and a notice of adverse action was sent to ************************************** on August 5, 2024.
  
  If fraud is suspected, we ask that ************************************** file an Identity Theft Report with the ************************ at ****************************** and with their local authorities, and then email a copy of these reports to us at ******************************** for our records and so that we may take internal action on the account.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now 

• Initial Complaint

  07/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Experian. / *********************************** LLC, DBA Cash advance Now. is in violation of multiple laws set forth by Congress in regards to the following account # ************. ** U.S. Code ***** ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person (r.) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( ************ Finance LLC, DBA Cash advance Now.) shall not furnish any information relating to a consumer ( ******************* ) to any consumer reporting agency (XXXX, ***** ) if the person knows or has reasonable cause to believe that the information is inaccurate. *********************************** LLC, DBA Cash advance Now. can not collect on a discharged debt. This is now considered a certificate of indebtedness per the *** and income can not be reported. The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the *** website. By Definition, the *** Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from *********************************** LLC, DBA Cash advance Now. for the cancelled debt the account #***** / full amount { {$ *******} } in order to file as ordinary income. Where is my 1099-************************************* LLC, DBA Cash advance Now. is clearly writing off debt with the *** without sending out 1099-C as required by the *** for debts greater than { {$600.00} }. This is unsatisfactory! *********************************** LLC, DBA Cash advance Now. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In *********************************** LLC, DBA Cash advance Now. terms and conditions they agreed not to share my information with non affiliates.

  Business response

  07/31/2024

  ******************* BBB 22034764
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Our process should not affect consumer FICO scores. Cash Advance Now does not perform credit checks with the three major credit reporting bureaus, but we may use alternative providers to verify identity data points and active military status. These alternative providers may use information obtained through the major reporting bureaus, and these checks may simply show up as soft inquiries on consumer FICO reports.
  
  It appears the complainant is claiming Cash Advance Now is somehow responsible for the inquiries and violations appearing on their credit report.  We can confirm that Cash Advance Now is not affiliated with any of the entities that appear on the complainants credit report.  While we strive to provide excellent customer service, we cannot control the actions of unaffiliated entities and banking institutions, and we suggest the complainant seek recourse against those entities.
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ******************* is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, ******************* has only made a partial repayment towards the total outstanding loan balance.  
  
  We will communicate with ******************* directly in an effort to resolve their concerns.  Correspondingly, *******************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now
  

• Initial Complaint

  07/02/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On 04/03/24, I was looking at loans for $550, when I saw how high the rates were for Cash Advance Now, I closed the tab and DID NOT SIGN ANY DOCUMENTS. The next day (04/04/24), I get a deposit of $550 in my bank, I thought maybe I had sign something and started my payments of $78.34. I have successfully done 10 payments of $78.34 which should be MORE THAN ENOUGH to repay a loan of $550. I get an email says my payment had been returned and I still have a balance of $2045.68!!! For a LOAN OF $550!!! And it was being sent to collections!!! This is freaking ridiculous as Ive already paid off $550!!!! And should not have remaining balance!!! Apparently, ** suppose to be paying $78.34 until 12/12/24 with a final payment of $62.18 on 12/19/24 again for A LOAN OF $550 that I DONT EVEN RECALL SIGNING A DOCUMENT FOR. YET THEY HAVE RECEIVED 10 PAYMENTS OF $78.34 WAY OVER PAYING $550. I do not believe I owe this company any MORE MONEY let alone $2,045.68. Let me repeat THIS WAS A LOAN FOR $550.

  Business response

  07/11/2024

  *********************** BBB 21935373
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted.  
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Second, ****************** received a loan application in ****************** name and subsequently completed underwriting.  A fully signed loan agreement purportedly executed by ***********************, including ACH authorization, was received on April 4, 2024. All payments collected thereafter were made in accordance with the loan agreement.
  
  Third, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by *********************** is legally binding.  Thus, we have every right to expect payment as scheduled in the agreement.  To date, *********************** has only made a partial repayment towards the total outstanding loan balance.  
  
  We will communicate with *********************** directly in an effort to resolve their concerns.  Correspondingly, ***********************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now
  

  Customer response

  07/19/2024

   
  Complaint: 21935373
  
  I am rejecting this response because: I do not remember every sign a contract, when I noticed how high interest was, I excited out of tab and again signed NOTHING!! So no, I did not sign anything agree to this loan. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  07/01/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  While paying off my loan in full, the Cash Advance Agent charged my debit card twice for the payment in the amount of $1,252.56. The payoff amount was $626.28. After I informed them of the error, I was hassled to call my bank with them on the phone to verify their error. Although, the error was verified, Cash Advance refused to refund my money to my bank account that day. I made them whole that day by paying off my loan in full. Cash Advance left me holding the bag with an overdrafted account. Its unfair to me that they were enriched today, and I was not. Poor customer relations. I need the bureaus help to get my money back.

  Business response

  07/10/2024

  ********************* BBB Complaint ID: ********
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments, good or bad, very seriously.  The following is our response to the items noted. 
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  ****************** would like to address all of ***************** concerns. Cash Advance Now did not refuse to refund the complainants overpayment.  A refund was issued the same day to ***************** bank account. This process, unfortunately, is not immediate.  We do apologize for any inconvenience caused by the overpayment, and the time it takes to process such refund transactions.  We have not been made aware of any overdraft fees associated with the overpayment.  We encourage *********************, at their convenience, to contact our customer service line with information related to any overdraft fees so that we may completely remedy the issue.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product.  Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now

  Customer response

  07/10/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  06/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am being harrased by this company to pay a loan that I did not take out. I have no idea how to stop the harrassement and they will not give me any details unless I give them confidential information.

  Business response

  07/01/2024

  *************************** BBB Complaint ID: ********
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB.  We take all comments,good or bad, very seriously.  The following is our response to the items noted. 
  
  We would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer.  ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* Indian Community.  Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing.  The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  ****************** received a loan application in ********************** name and subsequently completed underwriting. A fully signed loan agreement purportedly executed by ***************************,including ACH authorization, was received on March 28, 2023.  On April 3, 2023, we received communication from *************************** revoking ACH and advising that she never applied for a loan. At that time, *************************** was advised to file an Identity Theft Report with the ************************ and with their local authorities, and then send us a copy of these reports for our records.
  
  The requested documentation was never received,and thus normal collection processes resumed on May 9, 2023.  As previously advised, if fraud is suspected,we recommend that the complainant file an Identity Theft Report with the ************************ at ****************************** and with their local authorities, and then email a copy of one these reports to us at *********************************
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement purportedly signed by *************************** is legally binding unless we receive identify theft documentation indication otherwise. To date, *************************** has not made any repayment towards the total outstanding loan balance.
  
  We will communicate with *************************** directly in an effort to resolve their concerns.  Correspondingly,***************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now
  

• Initial Complaint

  06/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was lied to. On 5/31/24. I called twice and ******** , another lady told me same day advance. They did not say anything about only business day !!! I have bills due on 6/1/24!!!!!!!!!!!!!I applied for $600.00 on 5/31/24. Agent ******** sent me my consent form which I have gave him my banking information. I received an approval along with my signature of acceptance. He sent me my payment list . ****** starting on 6/14. He assured me it would arrive at the end of business day. Which I call to verify because I received a phone call from them . When I call to check . The agent said . There was no need to worry he said ! II was supposed to be fine !!!and I completed at 10 am . Where is my money ?! You have my information. It is 6/1/ Saturday. No money ever came !!

  Business response

  06/10/2024

  *********************** BBB 21788155
  
  Dear Better Business Bureau:
  
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
  
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* ***************** Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  
  Upon a review of our records, we can confirm that the loan was signed, approved, and that funds were disbursed on May 31, 2024, to the bank account on file. However, the bank account on file determines when the funds are made available to the customer.  We certainly apologize for any confusion or difficulty experienced by the complainant, as our primary goal is to satisfy our customers, but we do not see any indication that a problem with this account exists.
  
  We certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by *********************** is legally binding. Thus, we have every right to expect payment as scheduled in the agreement. To date, *********************** has not made any partial repayment towards the total outstanding loan balance.
  
  We will communicate with *********************** directly in an effort to resolve their concerns. Correspondingly, ***********************, at their convenience,may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  
  As noted above, Cash Advance Now is subject to robust consumer protection requirements.  We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  
  Respectfully,
  
  Cash Advance Now 

• Initial Complaint

  04/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I repaid this loan; the interest rate quoted to me was half of what it actually ended up to be. This loan was more than paid off, and I believe they are illegally trying to collect more from me.

  Business response

  05/02/2024

  ************************* BBB 21628994
  Dear Better Business Bureau:
  Cash Advance Now is in receipt of the above-referenced complaint filed with the BBB. We take all comments, good or bad, very seriously. The following is our response to the items noted.
  First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer. ****************** is committed to complying with the principles of federal consumer protection laws and regulations, as well as the laws of the Fort ******* ***************** Cash Advance Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. The APR is disclosed on the Cash Advance Now website and is prominently displayed in loan documents that are reviewed and signed by the customer.
  Second, we certainly understand that everyone faces financial difficulties from time-to-time, but the loan agreement signed by ************************* is legally binding. Thus, we have every right to expect payment as scheduled in the agreement. To date, ************************* has only made a partial repayment towards the total outstanding loan balance, and has not even repaid the principal balance on their loan, despite the claims made in the underlying complaint.
  We will communicate with ************************* directly in an effort to resolve their concerns. Correspondingly, *************************, at their convenience, may call our customer service line, and they will be directed to a representative who can assist them with any additional questions.
  As noted above, Cash Advance Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Thank you for the opportunity to respond.
  Respectfully,
  Cash Advance Now

*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. ↩