vip loan shop and fast efunds...CA resident needs help!

In California, you need to report them to the Dept of Corporations, as they are the state governmental agency that handles this. You can find complaint forms on the California.gov website. The only drawback is that they are overwhelmed, so it might take awhile, but they do respond and get back to you.

ahh ok i see, i thought reporting to the bbb somehow was record of my complaint. These guys still havent emailed me back, but my payment date is not til the 31st so im sure once they try to take out money from my closed account they will try to contact me. My bank told me too that since my account was closed nothing can come in or out, and i have called twice to verify this because i read on here that other people had issues with bank of america.

To start with, did you also revoke ACH before you foreclosed your bank account? Revoked volantary wage assignments? If not, you need to do those. Pay the balance of the principal using either a money order or a prepaid debit card.

As for these illegal lenders reporting on your credit file, they usually do not do so but in case they are stupid and they do, you can just dispute it in writing (stating that the loans as well as the lenders are illegal) and have the tradelines removed from your report.

Reporting to the BBB is pointless. They are not capable of doing anything substantial. You actually need to file complaints with the AG and the FTC.

fax it over to the attorney general or fax it over to the companies trying to get money from me?

I think they might have a fax # on their website. Print out the Desist & Refrain order that's available and fax it over w/ your email that you have sent over to them. Keep the fax confirmation for your records.

Thank you for that reply eeyorelover79.

So now of course they are calling me constantly and they have not replied to my initial email. When I answered the phone and explained that i emailed the customer service email that was posted on their website they stated that they do not conduct business through email. I told them I dont want to talk to them then because I need proof of the correspondence we are having. Another time they called I ended up reading the email i wrote to the guy over the phone and he said that he will mark my account as "refusal to pay" and send it to collections. Unfortunately this failed to stop the calls. Is this just expected? what other steps should i do. So far i have only sent that email and it seems to have fallen on deaf ears. Again I just worry this will hit my credit report. Also when i read the email to the guy over the phone with my terms (stating how much i have paid and how much I am willing to pay back) he said they will never go for that, and then he said he is going to mark it as "refusal to pay" even tho under my terms I would be paying back what I borrowed. Help me out here guys

Rollovers are illegal in CA as are the lenders....stay off the phone period. BBB complaints are a waste of time...they cannot do squat. You owe principal only, no interest, no fees. Keep emailing them and report them to the CA AG's office and the FTC

oh ok, what is a rollover? I did send them another email today i think thats what i will do, just every time they call i will just shoot them an email. Does anyone know where to report it to the attorney general? i am having a hard time finding where to do this.