They deposited money into my account as well, however I called them and dealt with it. They took back ONLY the amount they put in and I haven't had any problems since then. Yes, they were hard to get ahold of, they were rude and they are shady and cruel, but after looking through my emails - I see that they did send me one. It was put into my spam - so check your spam! Here is a copy of the email (w/my personal info taken out). In the email addressee is
customerservice@starcashprocessing.com - - look for it and don't let them screw with you!!! ((The little bit of cash they are offering you when you're in a pinch is NOT worth the extra money, trouble, hassle and stress they cause after it! ))
Star Cash Processing
Phone Number: 1-888-322-4069
Fax: 1-866-571-0908
Attention: *****(name) ******
Customer Number: ****** (6 digit #)
Congratulations, your loan in the amount of $250.00 has been approved. The cash will be sent to your bank on **** date ****. It will be up to your bank to post the funds to your account, though the posting usually takes place the next business day. If you have questions regarding your deposit, please call your bank and ask for the ACH Department to verify posting.
If you have further questions about your account, please contact us at
customerservice@starcashprocessing.com or call us at 1-888-322-4069. We are open Monday through Thursday 7:00 AM to 4:30 PM and Friday 7:00 AM to 3:00 PM.
Thank you,
Star Cash Processing
*Dates are estimates only.
PLEASE REVIEW THE FOLLOWING REMINDERS REGARDING YOUR LOAN:
Loan Receipt:
By receiving a loan through Star Cash Processing you agree that your loan will be renewed on every due date unless you request to pay in full or to pay down your principal amount borrowed, at least 3 full business days prior to your next due date. If you do not notify Star Cash Processing 3 full business days prior to your due date, you will only pay the interest fee plus any scheduled pay downs on your due date. If your loan is renewed, you will acquire a new interest fee. If your pay date falls on a weekend or holiday and you have direct deposit, your account will be debited the business day prior to your normal pay date.
Renewal:
Your loan is always due on your paydays. By receiving a loan through Star Cash Processing you agree that your loan will be renewed unless you request to pay down an additional amount against your principal, or pay the balance in full. Renewing your loan means that you will pay the renewal fee (only) on this due date. Every time your loan is renewed, you will accrue a new renewal fee. You can renew your loan four times. On the FIFTH renewal, you must pay the renewal fee plus pay down your balance by $50.00. This is called an automatic pay down. (EXAMPLE: for a $300.00 loan the fee is $90.00. On the 5th renewal, you pay $140.00 which equals the $90.00 renewal fee plus the $50.00 pay down. If you renew your loan again on the next due date, your principal balance will be $250.00 with a new renewal fee of $75.00. When the automatic pay down process is in effect this will decrease your principal loan amount and your renewal fee.) After your fifth renewal, your loan must be paid down every due date until it is paid in full.
Pay Down:
You can pay down your principal amount by increments of $50.00. Paying down will decrease the fee charged for renewal. To accept this option you must notify us of your request in writing via fax at 1-866-571-0908, at least 3 full business days prior to your due date.
If for any reason you do not wish to renew your loan, meaning you wish to pay the full amount due on this due date please contact our customer service department at
customerservice@starcashprocessing.com or 1-866-571-0908.
There is a three-day rule on a full pay out or pay down on your loan. We need to receive the documentation in our office by 4:30 p.m. THREE FULL BUSINESS DAYS prior to your due date. That means if you are due on Friday, we need to have the document by 4:30 p.m. on Monday.
If we do not receive the documentation, in time, your loan will be renewed.
By receiving a loan with Star Cash Processing you have agreed to the terms listed below:
AGREEMENT TO ARBITRATE DISPUTES: By signing the application and to induce us, Star Cash Processing, to process and consider your application for a loan, you and we agree that any and all claims, disputes or controversies that we or our servicers or agents have against you or that you have against us, our servicers, agents, directors, officers and employees, that arise out of your application for a loan, the Loan Agreement that you must sign to obtain the loan, this agreement to arbitrate disputes, collection of the loan, or alleging fraud or misrepresentation, whether under the common law or pursuant to federal or state statute or regulation, or otherwise, shall be resolved by binding individual (and not class) arbitration by and under the Code of Procedure of the National Arbitration Forum ("NAF" ) in effect at the time the claim is filed. This agreement to arbitrate disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at
www.arb-forum.com, or at National Arbitration Forum, P.O. Box 50191, Minneapolis, Minnesota 55405. If you are unable to pay the costs of arbitration, your arbitration fees will be waived by the NAF. Any arbitration hearing, if one is held, will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. This Agreement To Arbitrate Disputes is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above.
Governing Law: Both parties agree that this Note and your account shall be governed by all applicable federal laws and all laws of the jurisdiction in which the Lender is located, regardless of which state you may reside, and by signing below or by your electronic signature, you hereby contractually consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the Lenders is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of residency.
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