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AmeriLoan Complaints & Reviews - Unauthorized charges!

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AmeriLoan

Posted:    Valerie

Unauthorized charges!

Complaint Rating:  91 % with 78 votes
Contact information:
Ameriloan
United States
Phone: 800-362-9090
www.Ameriloan.com
I took out a payday loan with Ameriloan a few months back, trying to make ends meet. In addition, I had two other internet payday loans with other companies. Unfortunately, I found myself further and further in debt and, unfortunately, had to file for bankruptcy. I was advised by my attorney to put stop payments on all of these loans. I did this on the 11th of January. The companies contacted me and I told them what was going on (1) that I had filed and (2) to contact my attorney. Well, guess what? Today, January 30th, I happened to check my bank account and saw that I was $1500 overdrawn! These people (Ameriloan, United Cash Loans and One Click Cash) all ran checks through my checking account! These checks were NOT authorized!!! I'm just devastated by this and hope that my bank will reverse these charges. I just wanted everyone to know DO NOT, EVER get a payday loan with ANY Company. They are very unscrupulous people who prey on those that are in a financial bind.


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 1st of Feb, 2008 by   Kimberly Bentley 0 Votes
Your bank will return your money as long as you go to your branch and fill out an Affadavit stating that you did not authorize the loan companies to debit your account. Even though you initially gave your authorization when you signed up for the loans, you notify the companies and informed them of the stop payment and your bankruptcy. You must complete the affadavit to say NOT AUTHORIZED. You have a very small amount of time to do this in order to get your money refunded. Good luck
 26th of Feb, 2008 by   Nikki 0 Votes
I'm sorry yet another person Ameriloan has screwed!! They did almost the same thing to me. I was moving out of state and therefore no longer using that bank account. I sent them an email via their website stating that i was moving and would no longer be using that bank account and I would contact them when with new bank account info. Well not only did they charge my account but they broke each amount payment up into 3 separate charges equaling whatever the monthly payment was. So they charged my account on about 3 separate occasions with 3 charges each time for a total of around 9 charges to my account. My account was overdrawn and I was charged overdraft fees for each charge. When i talked to someone at Ameriloan, after arguing with them they said they would deduct the overdraft fees from the amount I still owed them. so after all was said and done they said I would owe them like $60 but I had to pay it within the week. I had just started a new job in a new state and hadn't even gotten paid yet so I told them i couldn't pay it within the week. I was told take it or leave it. So I had to leave it. Now almost 3 years later they have harrassed me at my job almost everyday. They called using fake names. They've been threatening to report me to the credit bureau and haven't done so yet. 3 years later!! Now what company do you know that you owe money to that doesn't report you within the first year??? A company operating without a license and under ficticious names that's who!!
 11th of Sep, 2008 by   angela willis 0 Votes
these bitches took unauthorize money out my account... also this shit is not cool . i HATE CHEATIN PEOPLE WHO HAVE TO STEAL TO GET AHEAD...
 27th of Jan, 2009 by   mconk +1 Votes
No, they don't. They charge you according to the agreement that YOU signed! There are so many people out there with similar stories to yours. All of these paydal loan companies work the same. If you do not opt to repay your debt in full, they will refinance your loan, and will therefore see two seperate ach debits on your bank statement. This can very easilly be avoided by simply opting to repay your balance in full, by calling, writing or faxing a letter to the company, three full business days prior to your due date. Once you do this, call to confirm they have your information on file. If ths information is on file at that point, you will see ONE ach debit from your bank account for the total amount due - and unless you apply for another loan - you will never hear from them again. Again, all of these payday loan companies operate this way - but 90% of people FAIL to read the loan agreement!!!
 11th of Feb, 2009 by   alana 0 Votes
Unfortunately, I loaned money from both AmeriLoan and United Cash Loan. That was before I found out about the complaints against them. Luckily, my bank (Bank Of America) is just Great! United Cash loaned me $300. After they took out $90, they took out $600! It even caused me overdrawn fees and all! I called Bank of America and they tolf me to file a complaint and they will investicate. In a week or too, all my $$$ got refunded and they advised me to close my account. Ameriloan had loaned me $300, and they took out $360. That wasn't all, Ameriloan called and said that the $360 they got were all interests and they have yet to collect their $300. Well, good thing I closed my bank account because I heard they run their own checks if you just block them from online withdrawls
 28th of Mar, 2009 by   tess 0 Votes
i have had a loan through ameriloan and had no problem. I paid them back every 2 weeks as was set up to begin with and have no problems. since then I have been laid off but have another loan with them and they are working with me to set up payments that will satify us both and I anticipate no problem if I pay back as promised
 2nd of Apr, 2009 by   FatherOf2 0 Votes
I was also scammed by this Ameriloan and PayDayCash, I borrowed 200 dollars and they both took $500 dollars each then they had the nerve to tell me my loan wasn't paid off yet !!! I stopped the payments, canceled my debit card and closed my account! I told them to send me a letter, I have yet to hear from them. I will never again take out a loan online, or give my bank info to anyone online again - I have been a wreck trying to sort through this. The sad thing is their attacking people who don't have the money to begin with, their thieving scum if you ask me.

SBL Williamsport, PA
 2nd of Apr, 2009 by   FatherOf2 0 Votes
I have had the same problem with Ameriloan and PayDay Cash, they are thieveing scums. I borrowed $200.00 from each and they both took $500.00 each. I stopped their payments, called Ameriloan and they told me I still owed them money - the woman I spoke to was unpleasant and nasty to me. I told her to send me a buissness letter, I have yet to get it !!! I closed my account and will never again give out my info again - you just never know!!!

SBL
 2nd of Apr, 2009 by   FatherOf2 0 Votes
No offense but they are snakes and yes they have a contract and I showed it to my bank, the womans jaw hit the floor, also the CEO of my bank had been getting many complaints from thie Ameriloan - you would not think they would be so unethical! Educate yourself and the best bet is borrow from a freind if you can !!
 8th of Jul, 2009 by   MisterMikeInAr 0 Votes
I recently ran into a small financial bind. While my monthly income more than enough would satisfy my debts this month, one of the payments due on a truck was escalated to earlier in the month. So, I contacted Ameriloan, and I borrowed $400. I was told very clearly that the finance charge to go to the end of the month paycheck would be $120, so my total amount due would be $520. I was also told very clearly that as long as I call them three days in advance of the due date to arrange for the payoff, they would take a single charge of $520 and that would be the end of it. However, if I do NOT contact them, they would only take the $120 and then roll over the loan to the next paycheck. Since this is something that I needed, I am taking responsibility for this and I have already entered into my calendar to remind me to call them exactly three days beforehand and arrange for the payoff. I am going to do this via phone, fax, and written email, and I am going to document exactly who I was speaking with. I have used these services before, and truly I have never had a problem as long as I paid careful attention and made sure to honor my end of the deal. And I expect no differently this time around from Ameriloan.
 14th of Aug, 2009 by   mimiaz.1208 0 Votes
I think that hearing both sides of the stories have definitley taught me something. i have recently got a loan for $300.00 and now im terrified to check my balance of my checking account and see what happens. my pay date was here today and was unaware that the office was closed today, , FRIDAY..i was also unaware that u had to actually make contact with them three days prior to make the full payment.i also wish i would have saw the consumer complaints before i took a loan out.my advice as a first timer is to actually look into and research these companies before.so many people lack resources for help in desperate times causing them to turn to companies that easily rip people off.i like many others dont have the privilege to borrow from a friend so do have to turn to loan companies like these.overall, thanks for ur stories they help !
 17th of Aug, 2009 by   doctor no 0 Votes
i took out a loan ith Ameriloan 2 1/2 months ago and every payday since they have deducted 120.00 from my account. 5 payments of 120.00 and then an additonal payment of 50.00 for a total of 650.00. hen i try to call they simply don't answer the phone. i ent to their ebsite and they do not have a contact # or email address. today i closed my account and reopened a ne one in an attempt to make them call me. We'll see what b.s. they throw at me. i think it is ridiculous that i have already paid 650.00 for a 400.00 payday advance and from the looks of things they are going to tell me that the loan has still not been paid off yet. they will be hearing from my layer about this, luckily i have a lawyer that orks for my business and is not charging me if i have to pursue this issue in court. STAY AWAY FROM AMERILOAN. I've done this before online with loan rollovers and this has never happened to me until i ran into AMERILOAN. They are crooks and you'd be a fool to dispute that!
 23rd of Aug, 2009 by   cthommen3 0 Votes
we all know these people are crooks, so i closed my bank account & when they didnt stop calling me at 7 in the morning, I fought back calling them right back about 300 times for over 4 hours lol (i had the day off & the surf was flat). they got so annoyed they eventually stopped calling. HARRASS THEM BACK, if you got kids like me show them how to operate a soundboard give them the number and let em go to work. When they ask for payment tell them like this "wish in one hand and s**t in the other and see which one fills up first" or if they ask when they will recieve payment tell them "why don't you pick a date, that way we can be supprised toegether". Their company is a sham, and thier employees are rude, ignorant and downright evil. Give them s**t until you can't poop anymore. and remember *67 blocks your phone number. Remember these people dont care & niether should you, they will eventually be brought to justice, so why not have some fun while giving them the finger on the way down!!! God Bless and good luck people.
 8th of Mar, 2010 by   Mother of 2 0 Votes
I took out a pay day loan in December for $200 under the assumtion that it was going to be debited from my account in full on my next payday. They did not do that they did not send me an email or try to call to inform me that they were only going to post a $75 charge per month torwards intrest ONLY! To make a long story short I have given them a little over $900 on a $250 loan that should be against the law. They prey on people in need of financial assitance and end up getting 4X's what they loaned you. I'm in the wrong business! LOL
 19th of Jun, 2010 by   Amber and Nick 0 Votes
My fiance signed up for a loan and we NEVER RECIEVED ANY MONEY BUT THEY HAVE BEEN TAKING MONEY OUT OF HIS ACCOUNT its really messed up and they screwed us over big time i hope they are happy with themselfs for taking two peoples grocery money and making us go hungry! when we never got a penny form them we had to close my fiances account because they were charging hundreds of dollars every week! never do any type of loan online especially AMERILOAN THEY WILL ONLY SCREW YOU OVER!
 3rd of Aug, 2010 by   kelli jo 0 Votes
does any body know how to get rid of ameriloan, from 5/2009 I borrowed 350 and an India company which is a scam, has been calling from august 2009 to may 2010, we recently change our phone number, and the assholes, our calling my husbands company from another state this past month, from 7/2010. they are getting so frustrated that they were alsmot not going to hire him back, because he calls them once a week. legally, my husbands company cant tell them any thing about their employees which is the law. I called ameriloan tonight and they said oh, stay away from these people its a scam, no duh, but how do I get a hold of these people to stop calling my husbands work. I used to have their 1800 and actually talked to the guy. assholes. any hope would be helpful. thanks. kelli
 20th of Oct, 2010 by   misslady86 0 Votes
OK FIRST OFF, THE LOAN AGREEMENT IS VERY SIMPLE. IF YOU READ IT, YOU WOULD KNOW HOW IT WORKS. IF YOU DO NOT LET THEM KNOW 3 BUSINESS DAYS BEFORE YOUR PAYDAY WHAT OPTION YOU CHOOSE, THEY TAKE YOUR EXTENSION FEE AND AN ADDITIONAL 5O THAT GOES TOWARDS PAYING YOUR PRINCIPAL BALANCE. I TOOK OUT A LOAN WITH AMERILOAN AND THEY WERE WONDERFUL. REALLY WORKED WITH ME. ALSO, IF YOU ARE GETTING COLLECTION CALLS, YOU OBVIOUSLY WERENT BEING RESPONSIBLE AND READING THE LOAN AGREEMENT OR LISTENING TO ANYTHING THE LENDERS SAY. ALSO, THE INDIA COLLECTION CALLS, IS NOT AMERILOAN. THEY ARE IMPOSTERS. EVERYONE I'VE SPOKEN TO FROM THAT COMPANY IS FROM OKLAHOMA. SO IF YOU ARE GETTING CALLS FROM THOSE PEOPLE, ITS NOT AMERILOAN. ALSO...IF YOU DONT HAVE THE MONEY TO PAY IT BACK, DONT TAKE OUT THE LOAN! BE RESPONSIBLE! IF YOU CANT AFFORD AN INTERNET PAYDAY LOAN, WHICH IS A SHORT TERM LOAN AND PEOPLE USE IT AS A LONG TERM LOAN, AND IN THE LOAN AGREEMENT IT STATES IF YOU ARE LOOKING FOR A LONG TERM LOAN, ITS NOT FOR YOU, THEN DONT TAKE OUT A LOAN. DAMN PEOPLE, IS IT REALLY THAT HARD TO READ A VERY SIMPLE LOAN AGREEMENT?
 4th of Dec, 2010 by   Ammsna<a> 0 Votes
does any body know how to get rid of ameriloan, from 5/2009 I borrowed 350 and an India company which is a scam, has been calling from august 2009 to may 2010, we recently change our phone number?
 17th of Dec, 2010 by   philipinacrazy 0 Votes
Does anyone know Ameriloan's mailing address? I can not find it anywhere and they will not give it to me.
 8th of Feb, 2011 by   Suezer20100 0 Votes
I NEVER applied for a loan with ameriloan they deposited 300.00 into my account today, who are these people ????

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