Complaint Review: USFASTCASH.COM

I was moving to a new city, I was a little short on cash, so for the first time I ever I applied for a cash advance online for $300.00. I received a loan from USFASTCASH.COm with fees to come to a total of $390 for the loan. This was on 8/1/2007. I admit I didn't read the loan agreement carefully, otherwise I would have known that I needed to contact them when I wanted to pay off the loan, however I am not pleading ignorance, theres more to the story. USFASTCASH deducted the following amounts on these respective dates: 8/23/07 - $90, 9/6/07 - $90, 9/20/07 - $90, 10/4/07 - $90, 10/18/07 - $90, 10/18/07 - $50. At this point I'm looking back over my bank statements and saying why they are still deducting from my account. So I went to the website and filled out the contact us information requesting account information. I received nothing. I also filled out the request for login information and received nothing via email. When deductions were still happening on 11/1/07 for $75 and $50, again I went to the website and filled out the contact us and login information, again I received nothing. The last straw was on 11/15/07 when the deductions for $60 and $50. I contacted my bank and again filled out the contact us information on their website. This time I did get a response and information for the login so I could check my account online. That night I scheduled the payoff which was for $195. I was very angry but b/c I didn't read the loan agreement I was only but so mad. However, once I started to try and contact the company and was getting no response I was not alone in the negligence. When I called I spoke with a Rep, she stated that I should have been getting emails before each deduction was scheduled to offer a payoff. I haven't received any emails from USFASTCASH since the loan was approved on 8/1/2007! I have checked my spam folder, and my trash (which dates back to June of 2007 and I only have the loan approval email from USFASTCASH. Below is the email I sent to the compliance Department on 11/26/2007. I have not heard from the collects rep or the compliance department yet. I doubt they will do the right thing, and I am beyond pissed off about this. I don't have money to throw away, had I been contacted sooner I would have paid the loan off. I even applied for another loan in October, because I thought this one was paid off when I got the not at this time message, I again filled out the contact us box. USFASTCASH has deducted a total of $735, that's not including the overdraft charges I have been getting from my bank! Because I have been trying to contact them I figured it was a mistake so my bank credited me the $110 from the last deductions. So the grand total that USFASTCASH has deducted is $625. I am still willing to pay the $195 but not the $305 they are requesting. They are sneaky, conniving and untrustworthy. I believe they didn't contact me on purpose to draw out the life of this loan. Below is an email I sent them, This company is Horrible!

I am sending this about a week late; however I was ill and unable to tend to this any sooner. I received a phone call today from Kevin (x433) stating that my account was now at $305. To get the where this is coming from I will go back to the beginning of this saga.

In October after the 10/18/2007 deductions I started to add all the deduction up to see how much was being taken out of my account. For some reason I thought that I would be deducted until the $390 was paid. When I saw that $500 was taken out I went to the USFASTCASH.com website and filled out the box that says contact us. I stated that I needed account information; at the same time I filled out the information to receive my email address. I also reapplied for another loan around the same time, because I thought I was finished paying this loan off. I did not receive any communication from those attempts. Then after the 11/1/2007 deductions I again filled out the Contact us info on the USFATSCASH website, and again I was not given any information. After the 11/15/2007 deductions I called my bank, because I figured this must be some kind of mistake. After I talked to the bank, I again filled out the Contact us box. This time I did receive information via email, I also received the login information so I looked up my account details and saw where I was mistaken, then submitted for the payoff amount of $195 for 11/29/2007. I'm not pleading ignorance, ignorance is no excuse nor am I trying to get out of money that I owe USFASTCASH, however, I am saying that if I was contacted and had access to this information back in October I would have set up to do the payoff, then and not given away an additional $235! On 11/19/2007 I spoke with Melissa, a supervisor in the customer service department, after talking to one of the agents, who took down the wrong contact information, purposefully. By sheer diligence I called back to make sure a supervisor would return my call, thats when another rep. told me the number that was on the return call log and it was completely incorrect. If I had not called back, no one would have contacted me again! After I spoke with Melissa and told her what the problem was she told me she would try to find out why I wasn't getting the emails from the contact us page, and she would also let the compliance depart aware of the issue. That was last week and that is why I am saying this is late, I should have sent this email out last week. From 8/23/2007 to 11/1/2007 a total of $625 was deducted from my account. I am not including all the overdraft fees I incurred for there being two separate deductions each time. I am even saying I understand I was unaware of the pay off obligation on my end, and that's why I agreed to pay off the remaining $195 for 11/29/2007. However, if the communication was better, I would have settled this in October or in the beginning of November, had I been given my account information. On 11/15/2007 an additional $110 was deducted from my account which I do not believe USFASTCASH is entitled to. At that point it was robbery, especially when I have made efforts to contact this company and settle this loan. As I stated earlier, I am more than willing to pay the $195 pay off amount. If litigation is necessary for the remaining $110, as Kevin (x433) threatened, then I guess I'll have no choice but to go that route. I'm hoping to resolve this without further delay.

On another note, which I briefly touched on throughout this email your representatives, at USFASTCASH are extremely rude and unprofessional. As I stated earlier the first customer service rep I spoke to was rude and callous, she entered the wrong callback information in the system purposefully. Then when I spoke with Kevin regarding the issue and told him I wanted to file a grievance he laughed, which I thought was unprofessional, being that this situation isn't a laughing matter. When I told him that I had been filling out the contact us boxes and no one was getting back to me he said there was no record of that and I told him that, that was crazy because I filled those boxes out, again he laughed. He then said he would talk with his supervisor and call me back. I am still awaiting that call.

As I stated previously, I am serious about settling this and ending this saga. I would have done so along time ago had I had access to my account information. I am having someone from the Geek Squad come to the house to see if he can't track when I sent those electronic emails on your website, I see now that your company is going to claim they never received them. I hope this is not the case, but to be sure I'll be ready. Again I hope to resolve this without further delay. Thank you.

Madashell
Baltimore, Maryland
U.S.A.