Needing Help in Arizona

i would speak to a bank manager and move up to corporate if you have to. they can do this, stopping payments will not work as they will simply go under a different name and take money out anyway.
i do not know the state laws of AZ but am pretty sure geneva roth is illegal everywhere - not positive though. that is the only company listed i have had experience with. how much did you pay each company?

Unfortunately I have spoken to the banks corporate office who told me that since I have done business with these companies in the past there is nothing I can do except provide the bank with proof that I notified the companies that I had revoked the ACH and they will file a "claim" to see if they can get our money back.

I am working on figuring out how much I have paid back, I am just having a hard time determining if they are legal or not. I printed a list of licensed lenders in AZ but I know that a lot of them have many names so it is hard for me to tell if they are legal or not.

A think a good handful of them are illegal.

I know one member on here is from AZ and may have delt with these companies.

I will also do some checking.

CashNet USA I know is legal in most states but the rest I am not sure about.

ZIP I think is legal in one state but I don't think there are in AZ.

If you notified them at least three days before the ACH then you gave them notice and can give your bank that information. By Federal law the bank has to honor that.

Can I ask what bank you have?

The bank is Bank of America and I have been dealing with them since March 6 with no satisfaction. In fact, one of their customer service representatives called me stupid and advised me to take my business to another bank.

It looks like CashNet is legal in AZ.

I don't mind dealing with the leagal companies but I would like to sort out the illegal ones so I know who to make repayment plans with.

I thought it might be BOA.

If you have not talked to the branch manager then try that if they won't help then you have to go over the bank manager and go to corporate to get any help. They are horrible at customer service when it comes to PDLs.

I know there are others who have had the same problem with them.

I would report that customer service person.

I will search and see if I can find a thread from last month about a person that had the same issues with BOA and see if I can find what they did to get them to finally shut down the account.

Quote:

Found it.

Here is a thread about some BOA issues.

Here is the thread were he got is resolved with BOA.

If you click under Tims name were it says "posts" it will take you to all his threads and you can read everything he had to do to get BOA to finally close down his account.

Good Luck and keep us updated.

Thanks for all the great info. I wil keep trying.

Any advice on how to find out if these companies are legal? I printed the list but that was almost more confusing since most of these companies have multiple names.

Zip 19 300.00
Cash Net USA 500.00
Cash Supply 400.00
SJM Marketing 300.00
Geneva Roth 500.00
Integrity Advance 400.00
One Click Cash 300.00
United Cash Loans 300.00
Fast Money 911 400.00

The only one from that list I found on the database was CashNet.

You want to make sure you are looking at the list for deferred presentment companies. When you first click on the license link you will see it over the right.

Hello SuzP I am from AZ as well. When I started reading your thread I knew right away that it was BOA you were dealing with. They are horrible!!!!! When I came to this forum back in October like you I read everything I could to begin the process. I knew my first hurdle would be BOA so I took a different route with them to get my account closed. I dont know where you are located in AZ but find a branch that will help you. If you have to go from branch to branch and tell your story do it until you hit the right person. Also take a copy of your Rights on EFT which I will provide you the link for.

http://www.paydayloaninfo.org/chelp.cfm#11

Read the Section on Your Rights on Electronic Payment of Payday Loans

Write the Bank a letter including this information and take it with you then follow the sticky on how to deal with illegal lenders.

Cashnet is legal and licensed to lend in AZ and you should call and work out payment arrangements with them.

Thanks for helping me find out who is legal and who is not.

I will be sending out letters to the illegal companies today.

I will keep trying wit B of A. I have been to all 3 of our local branches and they just seem annoyed that I have come in and keep telling me to call customer service since no account changes can be made at the branch level.

By the way, since I could not get any help from B of A I stopped my direct deposit and opened an account with another bank. Is there any chance that even thought the new bank said the account was approved that they can come back and close it?

Then call corporate.

Keep calling and complaining until you get someone to help.

You should be fine if they opened the account for you. I am sure at this point BofA has not reported you to Chex System which is usually why another Bank will not open an account. BofA will send you a notice stating their intentions to report you to Chex System if you do not clear your account with them and they will eventually close it but that will not stop what is happening now. You need to take that letter to them asap and call their corporate office for help. You need to make sure they understand that you are dealing with unlicensed illegal lenders. You need to fax or send the information I provided you to their corporate office or like I said go to your branch and provide them with the information and make them contact someone else for you. I hate to say this but you need to be agressive, I myself hate confrontations but you need to do everything you can at this point to protect your interests.

Any ideas where I can get contact info for B of A corporate?

I spent another two hours on the phone with them this morning to no avail. I keep geeting sent back to customer service.

You may try this. I found it in another thread.

Quote:

What part of AZ do you live in?

Name: Bank of America Corporate Office
Phone: (888) 341-5000
Address: PO Box 25118

Tampa, FL 33622-5118
Website: www.bankofamerica.com
File Open Date: May 2006
TOB Classification: Banks

Have you tried going to another BOA in your area to close your account?

Go to this post. I just posted some BoA contact stuff that I found.

I will try contacting Mr. Lewis. Thanks!
I can not close the account because it is overdrawn. Which, I understand but after talking with all of you I now know that it is overdrawn due to illegal pdls.
I faxed and emailed all of the companies I have contact information for this morning with the letter I found on the site to the illegal pdls stating that I knew they were illegal and they could only contact me through mail or email and I am reporting them.
I will start working on the complaint paperwork tonight.

I keep feeling like there is more I can do, is there?

I am going to get my budget together this weekend and call the legit pdl and make payment arrangements.

Best of luck! :wink:

Since I sent everything out this morning my phone has not quit ringing. At what point do they have to stop calling?

That is typical behavior from these companies. They will try to collect as soon as they realize you have blocked their ACH authorization.

The calls can be annoying, but they are expected to be nonstop for awhile. I suggest you tell them to communicate with you by USPS or email only. They will get the picture sooner or later.

Hang in there, they will stop after a while when they realize the only way you respond is email.

I got caller ID and it helped a lot. Now I don't even pick up the phone if I don't know the number or have it programmed in my phone.

No one has responded to my request for request for validation of debt. Will they ignore those or will they respond?

I sent those out on March 12 and again on March 24 and 25

nohiogal love the new avatar :)

Well give them a little more time. I guess they are holding a meeting and reading their handbook on what to come up with next :lol:

Did you send the letters RRR?

Thanks :)

That is Pugsly aka Puggle Wuggles aka Pugs. I adopted her last August and she is the oldest and sweetest of the group.

She has the most amazing green eyes I have ever seen.

:P Kewel Pugs!

No I did not send them RRR. I do have the transmission reports from the faxes.
Should I resend the emails?
I can not find mailing addresses for most of them, will the fax trnsmission report work as proof of delivery?

Possibly, you can also send them emails with a read receipt attached.

http://consumerist.com/259194/reach-bank-of-america-executive-customer-relations

This is the best link yet for BofA

That link rocks kfstaff!! :P

Yea I cant wait to use it LOL I have alot to say LMAO

Thanks for the link. I can't wait until Monday to call them.
Being agressive will not be a problem after the way they have treated me.
Who knows maybe if enough of us complain we can get the banks to help stop the illegal lending!

Best of Luck to you and hang in there!! Please keep us posted :wink:

My next step is to try and get my money back from PDL Assistance. I am working on a letter for them right now. I just hope we can get our money back from them.
After some of the other things I have read I may have just screwed up one more time.

You did not screw up. We have all been there and made these same mistakes.

It happens.

The best thing to do now is move on from here and do the best you can.

We are all here for you and everyone else in this same trap.

Hang in there, it does get better :)

Here we go....
How do I respond? I just received this
03/27/2009



UnitedCashLoans regrets to inform you that our ACH debit was not honored by your bank, and was returned marked ???for review???. As a courtesy to you, our valued customer, we are extending an opportunity to amend this oversight.

Your account with UnitedCashLoans remains delinquent. We have previously notified you of this situation, with no positive results. Please contact us immediately to make payment arrangements. For any correspondence, please use the following code: EM501

If you have any questions or concerns, or would like to discuss payment arrangements, please contact a customer service representative at 1-800-354-0602.

Surely, your continued good credit standing with our company is important to you. Prompt payment of your account may enable you to once again take advantage of our short-term loan program.

Thank you for your prompt attention to this matter.

Sincerely,

Customer Service

This is a typical template email they send all their customers. Reply back with your letter stating they are Illegal and you and unlicensed in your state :wink:

Did you pay them the amount borrowed?

Is so then respond that they loan they issued was unlicensed/illegal and you have paid the loan in full according to the laws of your state.

If you have not paid it all then respond the same but that you only owe X amount of dollars to make full pay payment.

Thanks!

I have paid MORE than the amount of the loan on all of the illegal pdls.

Well then they can definately Kick Rocks..LOL! :lol:

I got a couple of calls today while I was working. One of them was legit and now I can not get a hold of them. I'm not worried about the illegal pdls but I want to make everything right with the legal one.
Any idea how long will they give me to respond?

I'm also looking for anyone else who has had to get money back from PDL Assistance.

I am ready to write a letter to them to get my money back and I am curious how much anyone else was able to get back.

I don't know but you may find this interesting and can maybe use it to get your refund in whole.

Link

PDL Assistance was one of the 11 companies.

Good info NOhiogal hopefully SuzP can get her money back. I got mine back from them but I cancelled before their fee hit my bank account.

What a great article. My experience with them is that they do nothing!
I sent the letter requesting my money back.
I will keep you posted.

I can not get United Cash Loans to stop calling me. I have faxed and emailed the letter stating that I think they are illegal. Now they want me to send them a letter that must be notarized and they will send all information via fax. They are refusing to do anything through USPS or email.

On the bright side, the legal PDLs have been great in setting up payment arrangements. It is still going to be a huge financial stress for the next two months but I am seeing light at the end of the tunnel.

A letter for what? They want the same letter you sent them sent again but notorized? What the Heck?

I would not send them JACK! Keep sending your original letters to them. They will continue to refuse communication by other means untill you ignore them by phone.
??
Do no answer the calls, just fax your letters and wait for them to fold.