- Report: #154092
Complaint Review: Sonic Pay Day - Wilmington Delaware
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Sonic Pay Day
sonicpayday.com Wilmington, Delaware, U.S.A.
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sonicpayday.com Sonic Pay Day DISCRIMINATION Wilmington Delaware
If you want to be given a hard time, be sure to try to get a cash advance from sonicpayday.com. They are very difficult during the initial lending application process and obviously would be very difficult to deal with once a loan customer (I think that they are a discriminatory company too, let me know what you think). I chatted with someone first to find out my loan status. The person I spoke with is Cheryl. Our conversation follows:
Please wait for a site operator to respond.
You are now chatting with 'Cheryl'
Cheryl: Thank you for visiting Customer Care. How may I help you?
Elise: I was told to chat with someone on this website to verify my information for my loan application.
Cheryl: May I have your priority ID number, please? It is the number you received when you completed an online application.
Elise: 102XXXXXXX
Cheryl: May I have your social security number, please?
Elise: XXX-XX-XXXX
Cheryl: Are you paid by direct deposit or do you receive a check from your employer?
Elise: Direct Deposit
Cheryl: Are you paid by salary or hourly wage?
Elise: Salary
Cheryl: Do you have access to a fax machine or e-mail?
Elise: I have access to email.
Cheryl: We offer a first time loan of a minimum of $200 and a maximum of $500, until your next payday. Your credit limit, however, will be determined by your net income.
Cheryl: I am going to run a Teletrack inquiry to see whether or not we will require any documents from you.
Elise: Okay.
Elise: Can you tell me what exactly Teletrack is?
Cheryl: Your Teletrack score helps us determine, without doing a credit check, whether or not we can fast track you right through the loaning process without requiring you to provide us with any documents.
Cheryl: In order to process your loan application, I will need to get some information from you.
Cheryl: May I have your full work address and job title please?
Elise: Do you need my work location or the address for employment verification?
Cheryl: Your work location address.
Elise: See, I have a difficult situation.
Elise: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Cheryl: So you are not actively working right now?
Elise: No, I am not. I will not be actively working until next summer, but I am getting paid.
Cheryl: How are you still getting paid if you are not working?
Elise: I am part of a program, in which the agency provides up to $XX,XXX a year for school and a salary throughout the year, and I go work for them in the summer months. They provide the salary so that I won't have to worry about juggling school and a job.
Cheryl: Unfortunately since you are only receiving government funding, we will not be able to loan with you. You have to be actively employed to qualify for a loan with us.
Cheryl: Is there anything else I can help you with today?
Elise: You see, I am a government employee, that is the thing. I can even give you a mailing address and fax number you can use to verify that I am an employee. I am paid an annual salary.
Cheryl: We cannot take that pay as consideration as you receive government funding.
Cheryl: We cannot loan with you, you need to be actively working all year round.
Elise: It is not government funding, it is a paycheck. I guess it can be similar to a work at home position.
Elise: I receive pay on the same day as any other employee of the agency.
Cheryl: You are not actively working.
Cheryl: You stated you are part of an undergraduate scholarship program.
Cheryl: We cannot take that money into consideration.
Elise: But I am employed. There were no guidelines on the website that stated that you have to be going to a job every day to be considered, they just said you must have a job (salary), and I do.
Elise: I receive money for school AND a regular salary.
Cheryl: We consider that government funding.
Cheryl: We cannot loan with you.
Elise: I don't understand why not
Elise: That's discrimination.
Cheryl: You receive government funding.
Cheryl: That is not discrimination, we cannot accept your scholarship as income.
Elise: The only thing that is important is that I am paid a salary.
Cheryl: No, we cannot loan with you according to our company policies.
Cheryl: You need to be actively working. We cannot loan with you.
Cheryl: Is there anything else I can help you with today?
Elise: Can you please email me a copy of that policy?
Cheryl: You can read about our polices on our website.
Elise: My salary is as good as anyone else
Cheryl: We cannot consider your scholariship as income.
Cheryl: We CANNOT loan with you.
Elise: It is a SALARY!!!!!!!!!!
Cheryl: No, we cannot loan with you.
Elise: Don't you understand?
Cheryl: It is scholarship.
Cheryl: I understand.
Cheryl: We cannot loan with you.
Elise: So, you don't lend money to work at home applicants because they don't go to a job everyday?
Cheryl: That is correct.
Cheryl: We do not loan to people who work at home with their own business.
Cheryl: We do not loan with homemakers.
Elise: Well, can you provide me the link to your terms.
Cheryl: And you stated above you receive money as part of a scholarship, and we do not loan with those people.
Elise: I have a scholarship and I am also a government employee.
Cheryl: If you have any questions, please refer to the website.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, you can provide me a direct link to those terms.
Cheryl: You stated you are not even actively working until next summer.
Cheryl: Please go to our website at www.sonicpayday.com.
Cheryl: Thank you for using our online chat service. I would be glad to assist you with any of your questions related to our company. If you do not have this type of inquiry, I would like to terminate this conversation because of the nature of the language being used - I am quite uncomfortable with it. Thank you and please keep us in mind for any of your future financial needs.
Elise: A direct link please
Cheryl: Go to our website.
Elise: I need a direct link to those terms because I am feeling like I'm being discriminated against.
Cheryl: You are not being discriminated against, and I've already given you the website address.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, I need the direct link, and you are not helping me get the information that I need.
Elise: You are supposed to provide me with service, so please provide the link.
Cheryl: I'm going to have to end this chat. I've stated above that you can refer to our website at www.sonicpayday.com.
Cheryl: Thank you for chatting with us.
Chat session has been terminated by the site operator.
***I thought that you are actively working if you have a job, and are salaried. ?????
I decided to log in once more to try to see if Cheryl just wasn't familiar with such a situation. I was then privileged enough to speak with Rahwa. Here's how it went:
Please wait for a site operator to respond.
You are now chatting with 'Rahwa'
Rahwa: Thank you for visiting Customer Care. How may I help you?
EA: I have a question.
EA: What are the requirements for a loan?
Rahwa: You would need to be more specific.
EA: As far as job and income requirements
Rahwa: Do you mean account requirements, employment requirement.
EA: Yes
Rahwa: You need to be employed actively and any kind of benefits from anyone is not accepted. You also need to get direct deposit from your employer.
EA: How can you be employed inactively?
Rahwa: You can be on pension, on medical leave, retired.
EA: So, as long as you are a salaried (or hourly) employee, you qualify?
Rahwa: You also need to have direct deposit .
Rahwa: Do you have any of these?
EA: So, if you have you own business, do you qualify?
Rahwa: No.
EA: Okay, I just chatted with Cheryl, and she told me that I didn't qualify for a loan even though I am a salaried employee.
Rahwa: In order to be able to assist you, may I have your full name and social security/insurance number?
EA: Elise AXXXXX XXX-XX-XXXX
Rahwa: Thank you for waiting. I'll be with you in just a moment.
Rahwa: Thank you for your patience Ms Arnold.
Rahwa: Are you a full time employee or is your salary an extension of your scholarship?
EA: I am a full time employee. I receive the scholarship as well as an annual salary.
Rahwa: You are full time student and a full time employee there?
EA: Yes I am.
Rahwa: You told our representative that you start work next summer.
Rahwa: Meaning you are not employed now.
EA: I am employed (as in I'm paid my salary {not scholarship---salary} now) and I actually go to the building that I am supposed to work at next summer.
EA: So it's like the best of both worlds, I suppose.
Rahwa: As per your explanation:
Rahwa: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Rahwa:
EA: Exactly, I am an Employee
Rahwa: A status is not what matters, it is the fact that you are actually working actively.
Rahwa: Which as per your explanation, won't happen till next summer.
EA: I am. I don't have my own business. I receive a salary.
EA: You said to me earlier that receiving benefits, retirement, or something similar was considered to be inactively working.
Rahwa: It is not relevant that you have your own business or not.
EA: I am an employee, receiving a regular salary, and I have direct deposit, now tell me again why I don't qualify?
Rahwa: In our definition of working actively, which means that you are working and being paid rather than just holding a status of employee.
EA: Do you want a contact to ensure that I am an employee?
Rahwa: You are not considered as an actively working personnel
EA: I attended New Employee Orientation and was sworn in as an employee.
Rahwa: It doesn't matter
EA: I have proof to back me up. I have a letter stating that I am an employee.
Rahwa: because you are still not actually working.
EA: Yes, it does.
EA: I am. I am an employee getting paid a salary with direct deposit, the requirements you mentioned earlier in our conversation.
Rahwa: What are you getting paid for?
EA: Working
Rahwa: As in what do you do?
EA: I am a Student Reserve
Rahwa: Which like you said to the representative you chat with earlier, "Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). "
EA: But I am employed with an agency
EA: Does it matter when I report to the building?
Rahwa: Yes .
Rahwa: It means that is when you start working in the true sense.
EA: I started working when I went to New Employee Orientation. You start working when you are put on the payroll.
EA: At any rate, may I please have the city and state that you company headquarters is located?
Rahwa: That is not true. People on pensions and sick leaves and maternity leaves are still on the payroll but not working actively.
EA: Okay, that's fine.
EA: I'm done with it because if your company is this difficult in the loan process, I can imagine how difficult it would be if I become a loan recipient.
EA: Can you please give me the city and state of your headquarters?
Rahwa: Our head office is in Wilmington, Delaware.
EA: Okay, thank you, that's all I needed. Please watch ripoffreport.com for a report from me (and I also see that others have filed reports against you as well).
EA: Thank you for not allowing me to do business with you. It has been a pleasure.
Rahwa: Is there anything else I can help you with today?
EA: No thank you. You've been a great help.
Rahwa: Thank you for chatting with us. Have a great day!
Chat session has been terminated by the site operator.
I am glad I found ripoffreport.com to expose businesses who do issue injustices to their customers.
Elise
Swansea, Illinois
U.S.A.
Please wait for a site operator to respond.
You are now chatting with 'Cheryl'
Cheryl: Thank you for visiting Customer Care. How may I help you?
Elise: I was told to chat with someone on this website to verify my information for my loan application.
Cheryl: May I have your priority ID number, please? It is the number you received when you completed an online application.
Elise: 102XXXXXXX
Cheryl: May I have your social security number, please?
Elise: XXX-XX-XXXX
Cheryl: Are you paid by direct deposit or do you receive a check from your employer?
Elise: Direct Deposit
Cheryl: Are you paid by salary or hourly wage?
Elise: Salary
Cheryl: Do you have access to a fax machine or e-mail?
Elise: I have access to email.
Cheryl: We offer a first time loan of a minimum of $200 and a maximum of $500, until your next payday. Your credit limit, however, will be determined by your net income.
Cheryl: I am going to run a Teletrack inquiry to see whether or not we will require any documents from you.
Elise: Okay.
Elise: Can you tell me what exactly Teletrack is?
Cheryl: Your Teletrack score helps us determine, without doing a credit check, whether or not we can fast track you right through the loaning process without requiring you to provide us with any documents.
Cheryl: In order to process your loan application, I will need to get some information from you.
Cheryl: May I have your full work address and job title please?
Elise: Do you need my work location or the address for employment verification?
Cheryl: Your work location address.
Elise: See, I have a difficult situation.
Elise: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Cheryl: So you are not actively working right now?
Elise: No, I am not. I will not be actively working until next summer, but I am getting paid.
Cheryl: How are you still getting paid if you are not working?
Elise: I am part of a program, in which the agency provides up to $XX,XXX a year for school and a salary throughout the year, and I go work for them in the summer months. They provide the salary so that I won't have to worry about juggling school and a job.
Cheryl: Unfortunately since you are only receiving government funding, we will not be able to loan with you. You have to be actively employed to qualify for a loan with us.
Cheryl: Is there anything else I can help you with today?
Elise: You see, I am a government employee, that is the thing. I can even give you a mailing address and fax number you can use to verify that I am an employee. I am paid an annual salary.
Cheryl: We cannot take that pay as consideration as you receive government funding.
Cheryl: We cannot loan with you, you need to be actively working all year round.
Elise: It is not government funding, it is a paycheck. I guess it can be similar to a work at home position.
Elise: I receive pay on the same day as any other employee of the agency.
Cheryl: You are not actively working.
Cheryl: You stated you are part of an undergraduate scholarship program.
Cheryl: We cannot take that money into consideration.
Elise: But I am employed. There were no guidelines on the website that stated that you have to be going to a job every day to be considered, they just said you must have a job (salary), and I do.
Elise: I receive money for school AND a regular salary.
Cheryl: We consider that government funding.
Cheryl: We cannot loan with you.
Elise: I don't understand why not
Elise: That's discrimination.
Cheryl: You receive government funding.
Cheryl: That is not discrimination, we cannot accept your scholarship as income.
Elise: The only thing that is important is that I am paid a salary.
Cheryl: No, we cannot loan with you according to our company policies.
Cheryl: You need to be actively working. We cannot loan with you.
Cheryl: Is there anything else I can help you with today?
Elise: Can you please email me a copy of that policy?
Cheryl: You can read about our polices on our website.
Elise: My salary is as good as anyone else
Cheryl: We cannot consider your scholariship as income.
Cheryl: We CANNOT loan with you.
Elise: It is a SALARY!!!!!!!!!!
Cheryl: No, we cannot loan with you.
Elise: Don't you understand?
Cheryl: It is scholarship.
Cheryl: I understand.
Cheryl: We cannot loan with you.
Elise: So, you don't lend money to work at home applicants because they don't go to a job everyday?
Cheryl: That is correct.
Cheryl: We do not loan to people who work at home with their own business.
Cheryl: We do not loan with homemakers.
Elise: Well, can you provide me the link to your terms.
Cheryl: And you stated above you receive money as part of a scholarship, and we do not loan with those people.
Elise: I have a scholarship and I am also a government employee.
Cheryl: If you have any questions, please refer to the website.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, you can provide me a direct link to those terms.
Cheryl: You stated you are not even actively working until next summer.
Cheryl: Please go to our website at www.sonicpayday.com.
Cheryl: Thank you for using our online chat service. I would be glad to assist you with any of your questions related to our company. If you do not have this type of inquiry, I would like to terminate this conversation because of the nature of the language being used - I am quite uncomfortable with it. Thank you and please keep us in mind for any of your future financial needs.
Elise: A direct link please
Cheryl: Go to our website.
Elise: I need a direct link to those terms because I am feeling like I'm being discriminated against.
Cheryl: You are not being discriminated against, and I've already given you the website address.
Cheryl: Is there anything else I can help you with today?
Elise: Yes, I need the direct link, and you are not helping me get the information that I need.
Elise: You are supposed to provide me with service, so please provide the link.
Cheryl: I'm going to have to end this chat. I've stated above that you can refer to our website at www.sonicpayday.com.
Cheryl: Thank you for chatting with us.
Chat session has been terminated by the site operator.
***I thought that you are actively working if you have a job, and are salaried. ?????
I decided to log in once more to try to see if Cheryl just wasn't familiar with such a situation. I was then privileged enough to speak with Rahwa. Here's how it went:
Please wait for a site operator to respond.
You are now chatting with 'Rahwa'
Rahwa: Thank you for visiting Customer Care. How may I help you?
EA: I have a question.
EA: What are the requirements for a loan?
Rahwa: You would need to be more specific.
EA: As far as job and income requirements
Rahwa: Do you mean account requirements, employment requirement.
EA: Yes
Rahwa: You need to be employed actively and any kind of benefits from anyone is not accepted. You also need to get direct deposit from your employer.
EA: How can you be employed inactively?
Rahwa: You can be on pension, on medical leave, retired.
EA: So, as long as you are a salaried (or hourly) employee, you qualify?
Rahwa: You also need to have direct deposit .
Rahwa: Do you have any of these?
EA: So, if you have you own business, do you qualify?
Rahwa: No.
EA: Okay, I just chatted with Cheryl, and she told me that I didn't qualify for a loan even though I am a salaried employee.
Rahwa: In order to be able to assist you, may I have your full name and social security/insurance number?
EA: Elise AXXXXX XXX-XX-XXXX
Rahwa: Thank you for waiting. I'll be with you in just a moment.
Rahwa: Thank you for your patience Ms Arnold.
Rahwa: Are you a full time employee or is your salary an extension of your scholarship?
EA: I am a full time employee. I receive the scholarship as well as an annual salary.
Rahwa: You are full time student and a full time employee there?
EA: Yes I am.
Rahwa: You told our representative that you start work next summer.
Rahwa: Meaning you are not employed now.
EA: I am employed (as in I'm paid my salary {not scholarship---salary} now) and I actually go to the building that I am supposed to work at next summer.
EA: So it's like the best of both worlds, I suppose.
Rahwa: As per your explanation:
Rahwa: I was hired with a government agency as a Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). I am, however, on the payroll and classified as an employee year round.
Rahwa:
EA: Exactly, I am an Employee
Rahwa: A status is not what matters, it is the fact that you are actually working actively.
Rahwa: Which as per your explanation, won't happen till next summer.
EA: I am. I don't have my own business. I receive a salary.
EA: You said to me earlier that receiving benefits, retirement, or something similar was considered to be inactively working.
Rahwa: It is not relevant that you have your own business or not.
EA: I am an employee, receiving a regular salary, and I have direct deposit, now tell me again why I don't qualify?
Rahwa: In our definition of working actively, which means that you are working and being paid rather than just holding a status of employee.
EA: Do you want a contact to ensure that I am an employee?
Rahwa: You are not considered as an actively working personnel
EA: I attended New Employee Orientation and was sworn in as an employee.
Rahwa: It doesn't matter
EA: I have proof to back me up. I have a letter stating that I am an employee.
Rahwa: because you are still not actually working.
EA: Yes, it does.
EA: I am. I am an employee getting paid a salary with direct deposit, the requirements you mentioned earlier in our conversation.
Rahwa: What are you getting paid for?
EA: Working
Rahwa: As in what do you do?
EA: I am a Student Reserve
Rahwa: Which like you said to the representative you chat with earlier, "Student Reserve (meaning that I won't actually report to my work location until next summer, and also meaning that they haven't told me exactly where I will be working at this time). "
EA: But I am employed with an agency
EA: Does it matter when I report to the building?
Rahwa: Yes .
Rahwa: It means that is when you start working in the true sense.
EA: I started working when I went to New Employee Orientation. You start working when you are put on the payroll.
EA: At any rate, may I please have the city and state that you company headquarters is located?
Rahwa: That is not true. People on pensions and sick leaves and maternity leaves are still on the payroll but not working actively.
EA: Okay, that's fine.
EA: I'm done with it because if your company is this difficult in the loan process, I can imagine how difficult it would be if I become a loan recipient.
EA: Can you please give me the city and state of your headquarters?
Rahwa: Our head office is in Wilmington, Delaware.
EA: Okay, thank you, that's all I needed. Please watch ripoffreport.com for a report from me (and I also see that others have filed reports against you as well).
EA: Thank you for not allowing me to do business with you. It has been a pleasure.
Rahwa: Is there anything else I can help you with today?
EA: No thank you. You've been a great help.
Rahwa: Thank you for chatting with us. Have a great day!
Chat session has been terminated by the site operator.
I am glad I found ripoffreport.com to expose businesses who do issue injustices to their customers.
Elise
Swansea, Illinois
U.S.A.
1 Updates & Rebuttals
Taryn
Winnipeg,Manitoba,
Canada
Information from an ex employee, payday which is actually ECare customer contact centers
#2UPDATE EX-employee responds
Mon, August 29, 2005
I worked for Sonic payday which is actually ECare customer contact centers. They won't give out their address because they want people to think that they're company is based in either Ireland or in Delaware. I can assure you that there never was nor will there ever be an office in Wilmington Delaware, all they have their is a mailing house that forwards they're mail to they're real head office which is located in Surrey British Columbia Canada. They do have an office in Ireland with employees but all business decisions and all work is done in Winnipeg manitoba. There winnipeg address is 433 Main st 3rd floor. They use the Ireland office so that they aren't ruled by the US laws. If it looks like thy're operating out of the UK then that's the rules they are governed by. This is one of the shadiest companies I have ever had the misfortune of working for. If you think how they treat customers is bad you should see how horribly they treat their employees. I have intimate knowledge of their business practices and I know that they are currently having financial difficulties. Also they have a group of very inexperienced people running the company, none of the people in the highest positions in the company have any actual experience running a business. This is why their business practices are so shady. They are a privately held company and therefore are not accountable to a board for any bad decisions they might make. Basically they are making the rules up as they go along. They put out a million forms on the internet under "payday loans" so that you don't know that you are actually applying to Sonic payday. In addition to Sonic Payday they also have prldirect.com. Basically they are operating these as 2 seperate companies under the ECare name. They tell people that ECare is the outsource company for both Sonic payday as well as prldirect.com. It's a lie. ECare rules everyting, there are no seperate comapnies. Everyone's info is held in one database and all of the work with the exception of issuing the loans is done from the Ecare office in Winnipeg. They issue the loans out from the Ireland office so it looks like it's coming from there. It's not. I have so much more information on this company and all of there shady practices. If anyone has any specific questions, please feel free to reply to me and I'll do my best to help you out of whatever situation you've found yourself in. There's nothing I'd like better than to give this xompany a dose of it's own medicine. There's actually a class action lawsuit that's going to be started against them in Winnipeg by a number of former employees from both the Winnipeg and British Columbia areas due to unfair labour practices. Good Luck everyone and I hope that I've provided some good information that you can use. STAY AWAY FROM THIS COMPANY.
