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Everest Cash Advance

Posted:    fluffycats

payday loan money theft

Complaint Rating:  94 % with 78 votes
Contact information:
Everest Cash Advance
don't know
United States
Phone: 866 794-3244
everestcashadvance.com
This is an online payday loan company. They have debited my bank account and continue to steal from me. I have asked for a refund and they do not respond. I don't know who these people are but they are going to answer to this. I will spend as much time as necessary, trying to recoup my money. I have paid them their $300 loan back and them some-$990.00 total payments. This is not right. Do not deal with these people. They are hiding behind another business name because you cannot find any information about them. I am very sorry to read that most of these payday lending companies are traced back to Indian Reservations. So, do not deal with this company. They only list an email address and telephone numbers. No physical address like a REAL BUSINESS would.
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 30th of Aug, 2010 by   James23504 +3 Votes
I agree, I borrowed $400 and they have been debiting my checking account every two weeks at $120 a pop. I have already paid back $600 and I have been trying to contact them by e-mail and telephone with no response. I understand that they have the right to make money on the loan, since I didnt pay the entire amount on the due date. However, I have been trying to pay the loan in full, so they will stop taking $120 every other week and they will not contact me back. I am going to try to resolve this for about another week, in the meantime they will steal another $120 from me. After, that I will have no choice but to notify my bank to stop payments. I bet it wont take them long to get in contact with me after that, then I will pay them another $400 and thats it. Do not mess with these people.
 19th of Nov, 2010 by   ressa +3 Votes
they took $120 from my account and then $90 that following day and still taking money after me and my bank talked to them so our best out is to close our accont.
 19th of Nov, 2010 by   Jitterbugg +3 Votes
DO NOT, I REPEAT, DO NOT pay them anything further! Close your account ASAP and open a new one because they will continue to deduct money from your account until you do. Check out a site called Debt Consolidation Care because they have a wealth of information on how to deal with these crooks!
 20th of Nov, 2010 by   Tracy Graham +2 Votes
to whom it may concern, I, Tracy Graham has never obtain a loan through your organization, but some how they are taking $120.00 out of my checking account every two week, this has being going on for a while, but i just now got a print out of my statements from the bank, i would relly appreciate if i could be reinburst for the money that was taking and the 3 overdraft fees of $ 37 that i have incures. i dint understand how i got a debt with you and i never applied for a loan, so please handle this issue as soon as possible because i hate to have to make it a legal isssu. if i do ahve an account with you, can you explain to me what the account is and the number, because i truly do not know about this account.
 29th of Nov, 2010 by   Melissa7777 +1 Votes
This place is a total rip-off, Do not do it. You never pay off your loan unless you pay it in full. You are charged $90 every two weeks and that does NOT go towards your balance, your balance never goes down unless you pay it in full!!! They do not make this clear at all, I was under the impression that I would be charged $90 for the loan and after that your payments would go towards your debt. When I called to talk to customer service all they do is apologize that I didn't understand the fine print. All they are doing is ripping people who obviously don't have the money in the first place!!! I wish I would have seen this site first, but they feed off of people who are in dire need of paying bills! I hope they go out of business!!!
 6th of Dec, 2010 by   lovemonkey +1 Votes
I agree they are doing the same thing to me!! They take $90 out every 2 weeks and on top of that they got the paydays wrong so they are taking money out when there is no money in my account so im getting over draft charges every time!!! They told me the $90 would go towards my loan after the first payment. My loan was only $300 ive already paid about $500, now there telling me I owe $420 to pay off my loan!!!
 6th of Dec, 2010 by   ccc1946 +2 Votes
Wow, my God I hope this doesn't happen to me. I borrowed money but I paid it off in full on the due date, now I'm worried I can't afford for more money to be taken from my next paycheck. This was my 1st payday loan and if I ever need another I will not use this company. I should really have checked them out prior to the loan.
 13th of Dec, 2010 by   WellWell 0 Votes
Every negative complaint about this company is true. This company should be shut down immediately. If you are trying to help yoursel, do not deal with this company. I wish there is someway that this company can be exposed nationwide!!! Learned my lesson the hard way!
 21st of Dec, 2010 by   tjames62 0 Votes
well they are harassing the heck out of me, and you cant understand a word they say when they call because they are not american, 1st the guy tells me his name is justin smith and in the same sentence repeats his name as john smith, and goes on about a lawer and legal matter, i tell him 1st of all use your REAL name not a made up fake one and if you wants to talk about legal matter maybe i should get a lawyer for harrasement cause i have on my caller i.d where you called me like 10 times straight in a row.
 31st of Dec, 2010 by   tmbcsb 0 Votes
I have to agree with everything that is being said. I got a loan for $600 and they have been taking $180 bi-weekly. So after a few weeks I thought my account was paid in full. We I called to speak to customer service to ask why money is still being taken out of my account they state that I have not paid of my account. I told the guy I don't understand you have taken almost $700 out of my account. So I asked to speak to an supervisor and he snapped at me and said I am telling you the situation. You still owe $600. I could not believe it they have been ripping me off. I went to my bank to put a stop payment on the account.
 15th of Jan, 2011 by   Sickof beingstolenfrom 0 Votes
I needed $300 until next pay day and it has now cost me $180 and they still havent taken the principal of the loan even though we told them to. I am filing a dispute with my bank for the charges. Call your bank. They will file the dispute and reverse the charges for you. I also went to the Better Business Bureau website and filed a complaint. From that site I was able to get the company address:
Everest Cash Advance
300 Creek View Road
Newark, DE 19711
866-794-3244 Hopefully we can all shut them down!
 26th of Jan, 2011 by   mkelley49 0 Votes
What they are doing is illegal. They are also known as VIP Loans, Everest Loans and SCS Processing. Do some investigating and I am sure you will find something. They are not even located in the US.
 11th of Feb, 2011 by   Kates Kid 0 Votes
Fortunateli I recognized the call back number on my phone before I signed anything. I had a moment of weekness and was going to get a payday loan (DUMB< DUMB DUMB!) and then I remembered the heartache I wnr through before> GO WITHOUT HEAT, GO TO A SOUP KITCHEN, YOUR LANDLORD CANT EVICT YOU OVER ONE MONTHS LATE RENT-DO ANYTHING BUT DEAL WITH CREATURES OF THIS ILK. I DONT KNOW HOW THEY CAN SLEEP ATNIGHT OR LOOK IN THE MORROR. NASTY, NASTY OPPORTUNISTS WHO PROBABLY HAVE SIDE JOBS AS POLITICIANS. gb
 11th of Feb, 2011 by   shyblonde74 0 Votes
I hadn't had any issues with this company till yesterday and today. I had a loan with them previously and was able to talk to customer service and pay the account in full. It's a different scenario this time, I have sent 3 emails advising them I want to pay my account in full with no response, 9 phone calls to customer service with a "long hold time" message, wait on hold for about 5 mins, and no one answer and it goes to a voicemail box. I have left voicemails with no return calls. I finally did what you all suggested above and called my bank and put a stop payment with them. They have been taking funds each pay period for about 2 months now, which more then pays back the small loan I took from them. I will watch my bank statements and make sure they don't withdraw the funds under a different name. If so, I will stop pay that too!
 11th of Feb, 2011 by   mkelley49 0 Votes
They also go by VIP Loan. What they do is take all your money and call it interest. You have to tell them that you are paying on the principle or they will keep charging you interest. They are horrible. I do not think they are even located in the U.S. I wish someone would sue them.
 11th of Feb, 2011 by   Shannon36535 0 Votes
OK FOLKS LISTEN UP . WHEN YOU TAKE OUT A PAYDAY LOAN THE INTEREST YOU ARE PAYING ...I.E. THE DEBIT THEY ARE TAKING OUT EVERY PAYDAY FROM YOUR CHECKING ACCOUNT IS NOT PAYING BACK YOUR LOAN. IT IS MUCH LIKE RENT. PAYING FOR USELESS SPACE. YOU ARE PAYING TO BORROW THE SAME MONEY YOU BORROWED IN THE FIRST PLACE. IT IS JUST LIKE PAWNING A PIECE OF JEWERLY IN A PAWNSHOP. YOU CHECK IS PAWNED. IF YOU DONT PAY FOR YOUR CHECK IN FULL, THEY WILL ACCEPT INTEREST AND HOLD THAT CHECK ANOTHER 2 WEEKS, AND ANOTHER 2 WEEKS AND SO ON.

BEST BET. LOOK AT YOUR CONTRACT. YOU WOULD HAVE RECEIVED ONE BY EMAIL MORE THAN LIKELY OR IF YOU CAN GET AHOLD OF THE COMPANY FIND OUT WHAT THE PAYOFF IS. PAY THE FULL LOAN ( PRINCIPAL) AND 1 INTEREST PAYMENT IN FULL. THEN CONTACT YOUR BANK AND PUT A STOP PAYMENT ON THE COMPANY NAME OR ANYTHING COMING OUT OF YOUR ACCOUNT FOR 90 DAYS OTHER THAN AUTODRAFTS THAT YOU ARE AWARE OF ..I.E. ELECTRIC BILL, PHONE BILL ECT.

YOU ALSO NEED TO REQUEST A LETTER FROM THE COMPANY FOR A PAID IN FULL NOTICE. OFTEN ENOUGH ONCE IT IS PAID THEY WILL SELL YOUR INFORMATION OFF TO ANOTHER COMPANY TO TRY TO COLLECT THE SAME DEBT . I WORK IN THIS INDUSTRY AND THEIR ARE GOOD PAYDAY AND TITLE LOAN COMPANIES, BUT IF YOU ARE GOING TO DO ONE DONT DO IT ONLINE. DO IT LOCALLY, WITH SOMEONE YOU CAN GO INTO THE STORE AND MEET, SHAKE HANDS WITH AND ASK QUESTIONS. ASK WHAT THE LAWS ARE AND FOR COPIES OF ALL OF YOUR PAPERWORK AND CONTRACTS. BE SMART ABOUT BORROWING MONEY AND DONT TAKE SOMEONES WORD FOR IT.
 11th of Feb, 2011 by   shyblonde74 0 Votes
For the above comment, I understand how loans work and that I need to call the company 3 days in advance prior to the payment withdrawal date for the interest to advise them that I would like to pay in full. But who's fault is it when the customer (such as myself) is trying to do the right thing per my contract and call them in advance and they don't respond? I have worked in loans and contracts for 14+ years. At this point, it's on them to contact me after numerous emails/phone calls and yet no answer. hmmm?
 12th of Feb, 2011 by   Shannon36535 0 Votes
I feel your pain blonde but I would contact them in writing, preferably certified mail this way you have proof cause odds are they will tell you 3 days is not enough time to set up the withdrawal.
 26th of Feb, 2011 by   neaster 0 Votes
You all need to stop your whining and read the contracts when you authorize the loan. They are not scams I haven't had any problems with them. And if you need to speak to someone you can reach them Mon-Fri at 866-794-3244
 26th of Feb, 2011 by   neaster +1 Votes
Listen you all need to stop whining and read the contracts before you sign or authorize them, and don't tell me you didn't cause they wouldn't have given you the loan. I've had several loans through them and never had any issues. If you read they said in normal print we will debit your account for the fee bi weekly until the loan is paid in full. Which means if you have a 300.00 loan it is 390.00 to payback completely and you must tell them atleast 3 days in advance if you want to pay in full. If you do not do this they debit 90.00 from your account bi-weekly for the fee alone, which does not go towards principal until you call in advance and tell them you want them to take the full amount. You can elect to pay the fee plus some of the principal which will lower your fee next time if you pay atleast $100 on the principal. It says all this in the contract, and if you need to contact them call 866-794-3244 Mon-Fri 8 am to 5 pm.

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