Desperate for some advice!!
Date: Sat, 05/16/2009 - 16:51
I had 2 PDL with PaydayOne and CashnetUSA I sent them both letters to revoke the ACH got 2 email replys back from them both stating that they recieved them!
I have also been going back and forth with BOA about my account. So I withdrew everything out of my account and canceled all my direct deposits.
Now I get a letter from BOA telling me that I have an over draft in the amount of 276.29 plus 35.00 service fee for something that they paid!!
Apparently even after CashnetUSA received the ACH thing and emailed me back they then ran this through.......Now I got a email from CashnetUSA today stating that on the 22nd since I am out of extensions they will charge me another 282.33 for the balance!!
How can they keep debiting this account?? That can't be legal and what am I suppose to do when BOA will do nothing about it!
They say they cant do anything and I need to keep asking them to stop the ACH. AGHHHHH I am going nuts
Hmmmm, well, they violated a Federal Law by debiting your accoun
Hmmmm, well, they violated a Federal Law by debiting your account AFTER you revoked it. If I were you, I would print out the email you sent and received with the ACH revocation, make sure the date is on it. Then I would take it to the bank, ask for the branch manager, remind them they MUST honor a revocation and the lender broke the law by not honoring it. File a complaint with your AG, BBB and the FTC. BOA will probably ask you to fill out a dispute for the transaction, after all, you DID revoke any further debits BEFORE it was debited, am I right?
Yes I recieved a reply back from them Tuesday, May 5, 2009 6:05
Yes I recieved a reply back from them Tuesday, May 5, 2009 6:05 PM and this is what they put
Thank you for choosing CashNetUSA as your trusted online lender. At this time
you do have a payment due on 5/08/09 for the amount of $276.29 for the extension
fee. Also since you stated that you did not want to use your bank account please
contact our customer support team there available 24 hours a day, seven days a
week to help answer all your questions via phone, email or online chat
concerning different payment methods.
Customer Notice: Payday advances should be used for short-term financial needs
only, not as a long-term financial solution. Customers with credit difficulties
should seek credit counseling.
Darlisha W
Then they debited my bank account on Friday.
They could be in big trouble for doing that, they broke a Federa
They could be in big trouble for doing that, they broke a Federal Law: EFTA (Electronic Funds Transfer Act), look it up on the net and print it out, take it to the bank with you.
Well I filled out the form on the texas attorney general's websi
Well I filled out the form on the texas attorney general's website and they had a link to the FTC but when I filled out the form on there it said unable to submit try again later.
I have read on here stuff about the BBB is it really worth filing a complaint with them??
Should I contact CashnetUSA or should I just wait and see what happens???
Well I filled out the BBB complaint form but unfortunately there
Well I filled out the BBB complaint form but unfortunately there was no place to upload the emails but we will see.
I will be going once again to BOA on Monday with all the paperwork and hopefully get some good news.
Okay I just got home from work and I have been thinking all day
Okay I just got home from work and I have been thinking all day long about this BBB thing.
It said that after a complaint is filed they will send the complaint to the company....
Has anyone had any experiance with this?? whats gonna happen and is all hell going to break loose with this place?
I just need to prepare myself for whats to come.