- Report: #233714
Complaint Review: United Cash Loan - Internet
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United Cash Loan
unitedcashloans.com Internet, U.S.A.
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United Cash Loan Took money from my bank account that was not authorized or owed to them. Loan was paid when they posted another debit to my account. Internet
I got a loan for $300 from United Cash Loans. I have a copy of the loan agreement which clearly states that they would only be taking a total of $390.00 from my bank account which I had authorized them to do. This included all fees and interest and would be the total they would be taking.
They have now taken over $500.00 and the Bank of America who DID NOT have my authorization to pay them any more than the $390.00 paid the additional money regardless and did nothing to help me other than file a dispute against United Cash Loans. The does nothing for me since they have paid the funds without my authorization to do so and I will probably never get a cent of it back from the bank or the United Cash crooks.
I have read hundreds of similar complaints about United Cash Loans on this site and have to ask; why is this company still getting away with stealing people's money over and over? Are they exempt from the laws covering fraud and theft? It is so morally bankrupt when they are stealing from their customers and customers who are obviously in a financial bind already when they had to use a company such as theirs in the first place.
You know a couple of hundred bucks maybe chicken feed to so many but to me right now it may as well be a million bucks with the end result being I just don't get to buy any groceries this week. How can this just keep going on with the bank not being accountable at all and this company stealing from good people and here we are paying the price? I don't understand why this has not been stopped yet?
The mere fact these people are not behind bars let alone still free to steal from innocent and vulnerable people is a source of deep disgust to me and the justice system in this country and something should just be done to stop them and make them pay every single cent back. Maybe the CEO or the CFO will have sell their wives Jaguar or Mercedes to pay some of it back, ah well cry them a river!
Cindy
San Francisco, California
U.S.A.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it hasbeenmore than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist youproperly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to dealwith it,take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was.Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
demand tion E.
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and orm.
They have now taken over $500.00 and the Bank of America who DID NOT have my authorization to pay them any more than the $390.00 paid the additional money regardless and did nothing to help me other than file a dispute against United Cash Loans. The does nothing for me since they have paid the funds without my authorization to do so and I will probably never get a cent of it back from the bank or the United Cash crooks.
I have read hundreds of similar complaints about United Cash Loans on this site and have to ask; why is this company still getting away with stealing people's money over and over? Are they exempt from the laws covering fraud and theft? It is so morally bankrupt when they are stealing from their customers and customers who are obviously in a financial bind already when they had to use a company such as theirs in the first place.
You know a couple of hundred bucks maybe chicken feed to so many but to me right now it may as well be a million bucks with the end result being I just don't get to buy any groceries this week. How can this just keep going on with the bank not being accountable at all and this company stealing from good people and here we are paying the price? I don't understand why this has not been stopped yet?
The mere fact these people are not behind bars let alone still free to steal from innocent and vulnerable people is a source of deep disgust to me and the justice system in this country and something should just be done to stop them and make them pay every single cent back. Maybe the CEO or the CFO will have sell their wives Jaguar or Mercedes to pay some of it back, ah well cry them a river!
Cindy
San Francisco, California
U.S.A.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it hasbeenmore than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist youproperly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to dealwith it,take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the chargetruth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics s) to your account; no matter how long ago it was.Be sure to call the Media if necessary so you are telling the EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
demand tion E.
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and orm.
