Is Ameriloan a legit payday loan company?

As stated above I have been having a lot of trouble finding a number for them to extend my loan and the time is ticking. Does anyone have a contact number?

I am not sure this company or many companies like it who are payday loans for the desperate person needing assistance are good. Ameriloan is certainly not friendly in assisting resolution of your account. I requested to pay off the loan earlier and told them to go ahead and debit the money. When it didnot show up as debited and I call to find out why, they insisted they had no record of the conversation. As a result the loan would if paid when I asked would not have incurred an additional $90.00, I checked just today becuase they still hadn't debit it and when I called in I talked with a supervisor who said it was to have been debited, but now they are waiting until my payday to do it. That was not what I asked her to do.
Personally, these payday loans are a rip off and anyone seeking to use them are placing their financial situation in a much higher risk and cost. I suggest try working your financial issues out with your creditor and avoid paying 300-400% more for a loan.

So if I have names and exts of people at Ameriloan that have left messages for me, what do I do with this information? One of them states that it doesnt matter what state I live in, they only work with OK law and I have misinterpreted the law anyway. This man said that my account would continue to be in collections. Although technically he didnt threaten me, it was implied. The other one has a woman who works for Ameriloan (who believes she has hung up on my call) reading another debtors email. What should I do with this information?

you file AG complaints with your state AG and the OK AG.this is an illegal bottomfeeder with no license whatsoever.if you paid back the principle in there fees.you owe nothing more.know that they can't and won't do a thing except call and threaten.

Thank you Paul! Should I also complain to my state's Banking and Finance department? It has been suggested before instead of contacting the AG. Out of curiosity what will they do? How long should I expect the threatening phone calls?

i would prefer your states AG.if you want file with the OK banking and finance as well as the OK AG.the more complaints the better.being as this is illegal bottomfeeding slime.they will call and threaten alot of stuff they can't do.like tell you your going to be arrested,you commited fraud,they will gatnish your wages.they can't do none of it.don't let them get to you.just file the complaints CMRRR and wait for them to sign for it.

I BORROWED $200 FROM AMERILOAN, AND THEY TOOK A LITTLE OVER $600 DOLLARS FOR A $200 DOLLAR LOAN, THAT IS SO RIDICULOUS IF YOU ASK ME, THERE ARE TWO OTHER LOAN COMPANIES THAT I'VE USED, AND THEY'RE PRETTY STRAIGHT, THAT DISCOUNT ADVANCES.COM AND CASHNET USA. I WOULD NEVER EVER USE AMERILOAN AGAIN. :twisted:

Ameriloan sent the following to the BBB:

To Whom It May Concern:
We recognize this complaint asresponse to a template of a form letter circulating the Internet. This form letter is full of mis-leading and inaccurate information. Unless this customer has a specific complaint regarding the handling of their account, we do not believe a response is warranted. Thank you for your consideration in this matter.

How should I respond?

re-file your complaint.that is an example of a template letter.i goy that as well in response to my BBB complaint with USFASTCASH.they are incredible.they use the same form letters for everything,but accuse us of doing the same thing.did you file AG complaints?if not do so.

Interestingly enough, I got the exact same response this morning from United Cash Loans. So, you are right, they are circulating their own response.

I like many people don't read the 3 pages of fine print...because honestly i've taken out payday loans before and it worked like this..i took out the loan i paid back the loan plus a fee......they just take out money automatically until you schedule a payment of the loan.....so they will just continually take out $105.00 from my bank until i actually scheduled a payment with them....they have no interest in going out of their way to tell you that this is what will happen. Definately a scam if you ask me.

well my friend.being unlicensed there contract isn't worth the paper it's printed on,but you are right in it's a scam.just don't let them con you into thinking the contract means anything.it doesn't in there case.

I filed AG complaints with my state. Do I need to do so with theirs? Also, these complaints were an online form that did not have a print out option. Should I also type something up and send it to those companies showing that I have complained to the AG?

Well today I received a message from the BBB stating that since they sent the refusal back again and I rebutted, there is nothing they can do. The will close out my complaint and put it as unresolved. I will file another complaint stating as you mentioned before. I don't know why I didn't read it quite correctly or whatever I thought I should stay with the same complaint. I have filed with my AG's office online, but there was no print out option or file # given to me or anything, so I don't know how to inform these companies that my AG's office is aware of my concerns.

either e-mail or call your AG'S office to find out.i would still re-file the complaint.some AG'S won't investigate until they receive a certain number of complaints.

Anyone know there toll-free number?

Their customer service number according to my last email from them is: 1-800-536-8918

good luck!

:c TODAY IS FRI. 13TH OF MARCH, AMERILOAN, JUST TOOK $245.00, OUT OF MY BANK, WITHOUT MY AUTHORIZATION, THEY PROBABLY THOUGHT I WOULDN,T FIND OUT ABOUT IT....BUT NOW THEY ARE IN ALOT OF TROUBLE, BESIDES ALL THE OTHER PROBLEMS I INTEND TO CAUSE THEM, I HAVE CONTACTED THE BETTER BUSINESS BUREAU, REGARDING THIS ATTEMPT AT FRAUD. SAME DAY THEY TOOK $90.00, THEY TOOK ANOTHER $75.00, THEN ANOTHER $50.00, AND LAST ANOTHER $30.00 TOTAL AMOUNT STOLED $245.00. i,AM GOING TO MAKE THIS REAL SIMPLE......I WANT MY F...... MONEY BACK....NOW. ALL FOUR AMOUNTS OF MONEY TAKEN IN ONE DAY , HOW CROOKED ARE THESE PEOPLE. IN SHORT IF MY MONEY IS NOT RETURNED TO ME....NOT THE BANK, I WILL TAKE LEGAL ACTION AGAINST AMERILOAN, AND I,LL MAKE SURE EVERYONE KNOWS ABOUT IT.

If you use Ameriloan you will be charged crazy amounts of interest. Its in the gray area of illegal in my opinion. Check out ripoffreport.com

ameriloan is illegal in the extreme.tribal immunity or not.

Can you help me?

yes we can.please provide more info on your situation.

Paul do they have a license to lend ANYWHERE???? If so I cannot seem to find it.

ameriloan is a fraud they are two companies in one united cash loan and ameriloan are the same people same address and everything be careful

To my knowledge they aren't licensed to lend anywhere in the U.S.

is ameriloan legal or illegal

Illegal

i got the loan of $300.00,and i was told in 5payments it will be paid in full,but that was a lie....i have paid $360.00,and they said i was just paying to hold it another month..B.S.i dont agree with that...u can borrow from a loan co.and get $300.,and after 5payments ur paid in full... :evil:

IF ANYONE IS INTERESTED THIS COMPANY IS GREAT I LOVE TO DEAL WITH THEM BUT I AM FINISH WITH PAY DAY LOANS FOR A WHILE ECONOMY IS PRETTY BAD AND MONEY IS GETTING PRETTY LOW THESE DAYS .STAY AWAY IF YOU CAN. THE FEES ARE TERRIBLE.BUT I LOVE THIS COMPANY

THESE TWO COMPANIES ARE TOGETHER DIDNOT KNOW THAT UNTIL RECENTLY GOT A LOAN FROM THEM BOTH AND THE NUMBER ARE IDENTICIAL AND THE FEES ARE THE SAME AND SO IS THE PAYOFF BUT A GOOD COMPANY TO DEAL WITH.PEOPLE'S ARE VERY PROFESSIONAL

that's great.i'm happy for you. :roll: :roll:

better yet avoid pdl's all together.sound good?it does to me.

I need the address for Ameri loan, Im also having problems with them.
Thanks all
CJ

this is an accurate address since i'll be mailing court docs to them
AMERILOAN
PO BOX 111
3531 P STREET NORTHWEST
MIAMI OKLAHOMA
74355

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It appears my last comment got deleted. Not by me. Prob bc I was stating the real truth about these companies. This website caters to people who want to remain victims they're whole life. Not people who genuinely didn't understand the loan process...it for people who wanna go online and get a stranger to desposit several hundred into their acct then only pay back what they borrowed. That's not how it works this is america...want money? Go borrow it from your mom. Otherwise prepare to pay fees..that's business. Also have fun complaining to the bbb or fdpca or sending your court docs to the mailing address....it will accomplish nothing since WHAT THEY ARE DOING IS NOT ILLEGAL!!!!!!!!!!!!!!!! They most definitely have a license that is just nonsensicle to believe they don't. I can't stress this enough it is a legitimate debt!!!!!!!!!!!! Next time read the contract ans learn from your mistakes. I hope this doesn't get deleted bc i'm trying to help and these people need a reality check....not some guy behind a computer helping them place the blame on someone else. I have a100% accurate response to every post on here I know what i'm talking about THANK YOU!!!!!!!

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I had a problem with Ameriloan and they kept charging me $60 per pay period. The whole time I thought I was paying off the loan, but I wasn't, I was just paying the interest and not anything on the principle. I realized that they had accrued 400 dollars in interest from me and I still owe 400 dollars. I froze my account, paid the bank their negative balance and closed my account. Now they will get periodic money orders from me but they will never have my new account info. Just a little FYI.

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All payday loans are aweful. I had fraud in my checking account and I was seriously negative because of the fees and the payday loans kept trying to take out the money. I called them to explain to them what happened and they said there is nothing they can do it will still try to come out. My bank account was almost $1000.00 negative. I had to open another account and work on paying this one that was negative off. The negative account finally closed and the payday loan people then said that I was in collections. They were calling me at work when I told them not to that I can not receive calls at work. They tried to say they were sending me to the DA in my area for fraud. Well I contacted lawyers in my town and they informed me that they can not because it is not fraud, they did not give me money to buy property. I would stay away from loans, learn how to budget your finances, learn to live on less, and learn to save for emergencies, and try to find ways to lower bills. I have gotten a magicjack phone, it is awesome, I pay $20 a year for a phone with long distance, I buy more store brand foods and I stick to my limit. There are more ways to adjust to living on less.

Don't knock these loans too bad, I borrowed $200 from a friend and it ended me paying him interest plus dinner. The darned dinner cost me $40, I would have been better off if I had went with a payday loan, if you can pay them back early you shouldn't be anymore in debt to them than you would so called friends, I did get a payday loan one time, and it was no more expensive then my friend or a finance company. Anyway whe nyou are desperate these loans can be a lifesaver if you will have the means to pay off soon, it is just what it says, a temporary loan.

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Does Ameriloan ever just lay off? They seem to call and threaten lots to send the debt to the collections department if they don't get a response from them. I don't respond and then they are gone until I hear from them again with the same threat.

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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.

As of 10/19/2010, you remain in collection status with UnitedCashLoans. Although we have previously contacted you about your delinquent account, we have received no response. You must make arrangements to settle your account.

Please contact our collection department at 1-800-587-9648 immediately, to make payment arrangements. If we do not hear from you within 48 hours, your account will be referred to an escalated collection department.

In order for your payment to post to your account properly, please include the following code: EM501
Certainly, your continued good credit standing with our company is important to you.

Thank you for your prompt attention to this matter.

Sincerely,

Customer Service

[QUOTE=Anonymous;761174]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.

As of 10/19/2010, you remain in collection status with UnitedCashLoans. Although we have previously contacted you about your delinquent account, we have received no response. You must make arrangements to settle your account.

Please contact our collection department at 1-800-587-9648 immediately, to make payment arrangements. If we do not hear from you within 48 hours, your account will be referred to an escalated collection department.

In order for your payment to post to your account properly, please include the following code: EM501
Certainly, your continued good credit standing with our company is important to you.

Thank you for your prompt attention to this matter.

Sincerely,

Customer Service[/QUOTE]

should i send them a c & d letter

I would^^^^

now have another ? Can a bank or other financial institution withdraw their money first before paying other debts. It is happening to a relative's account which is making a bill not get paid. They now owe the company more than $ 100.00 cause of the bank or financial institution