Complaint Review: CashNetUSA - Internet

I received multiple threatening calls today by men identifying themselves as Dan Wilson and Ronnie Cooper. Dan said he was an attorney for Cashnet and would be suing me in court tomorrow. He later conferenced me via phone with Ronnie and they told me my final payment on a loan had been declined by my bank. When I told them there had to be a mistake of some kind of clerical effort, they told me they needed $1235 by the end of the day. I knew I only owed about $438 at the most and began to ask several questions, thinking this was some kind of identity scam.

They held a short conversation with one another, pretending like I wasn't on the line and said they would accept new debit information. I told them the bank had sent me a new card, but the checking account information was the same. I had assumed they would draw a final payment as a check. They told me I was a cheater and a liar and I repeatedly asked for names and contact phone numbers. They told me not to ask questions, that they were the only ones who could ask questions. They said I should run to the nearest fax machine and I had 30 minutes before my life would be turned upside down. I kept asking for someone to speak English because I could not understand the mumbling and the accents. They seemed Asian or something. They kept talking about the letter of apology and I asked what time it was in California and they told me not to worry about the time, just to run and do what had to be done or else.

I told them I did not understand why they were treating me so horribly when I had been a good customer and the day's mistake and final payment was something clerical on their end or my bank's. I told them I had tried to call my bank, but it had gone to voice mail. I would have to try tomorrow. They said tomorrow would be too late and I would have to pay $800 in fees to stay out of court. I asked them how I knew they were for real and they began to recite my personal information to me. I told them I could pay the $438 in an installment of $250 today and $188 tomorrow so that my debit card would not be flagged. I stopped at an office in a neighboring town on my way back from a class out of town. They graciously faxed the letter of apology for me. Within seconds, my phone was ringing again saying the card had been declined. I told them that was not possible. They then asked me for my zip code information and they had apparently transposed it themselves all along. Ronnie Cooper kept asking me how I intended to pay the rest of the money. I told him I did not know what he was talking about. He said I should pay them something for their trouble.

Again, I told him I must be having a hard time understanding them, but that I knew $438 was all I owed. He then said how about I add on another $100. I mentioned that my son worked for an attorney and that the son of a friend worked for my state's attorney general. Ronnie then said I could pay the $438 and be done with it; however, they hoped I would be a returning customer and that I would refer others, as well. He said he need a "gold stamp" letter from the post office tomorrow. I could use the same letter and just send it again. I kept asking what he meant by gold stamp and authorization...He said to do it at the post office and they would know. I finally asked if he meant notarized and he said yes. I never did understand why I had to send the letter twice. He did say that in the original letter I had called him Lonnie and should change it to Ronnie with an R like in Romeo. He again said he had done me repeated favors by not charging my hundreds of dollars in legal feels and court costs to avoid further action.

All in all, I had two hours of phone calls from these people who did nothing but badger and belittle me for what apparently was their mistake all along in transposing some numbers. The day was not over and my loan was due today. I gave them the updated debit information and thought all was well. I will never do something so silly as to do a payday loan online again. I am just worried now about protecting my bank account, my credit and my overall finances. When I went to the ATM to check my balance tonight on the way home, I discovered the balance was considerably off. I will go to the bank tomorrow to check on what has been authorized as payment.

Jennifer in Missouri

Aurora, Missouri

U.S.A.