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The Cash Store Complaints - Misleading Advertising

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The Cash Store
Posted: 2008-12-04 by Lisa Hamilton  [send email]
Misleading Advertising
Complaint Rating: 0 % with 0 votes
Company information:
The Cash Store
Carrollton, Texas
United States
cashstore.com

The Cash Store is running television ads saying all you need to get a payday advance is 1) a steady income and 2) a bank account. A few months ago I was turned down for a payday advance by a Carrollton, TX Cash Store location because the pay stubs I provided them were 1099 and not W2. I'd been working for the employer for a year and a half and was being paid on the 1st and 15th of every month. Doesn't get much steadier. So their television ads are very misleading.
Comments United States Business & Finances
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The Cash Store - Fraud and cheating

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 275 days ago by   michellemybelle89 0 Votes
i worked there just recently, and was FIRED because i came down with bronchitis and could not attend work on monday (family day) so i came in two days later ready to go on my trip with work and she canned me right there. Out of all honesty, its not a total loss for me because it is a terrible company to work for, with ZERO understanding people. Everyone complained about managers etc. I highly recommend for anyone who would like to take out a payday loan, to take it to money mart or EZcash, they are friendlier and a whole lot less ignorant. I couldnt stand how ignorant my ex manager (who was 19 btw) treated people, she was a straight stuck up girl. So anyone contemplating "The Cash Store" do NOT waste your time...go somewere better and more relaxing. Not to mention the RETARDED interest rates of 59% and now there doing some scam crap to make you purchase a 15$ Mastercard, stating Ohhh sorry we dont have any regular cash cards left...its ALL CRAP...like i said, money mart and EZcash has cheaper interest rates as well as they give you cash upfront, not on some lame ass card.
 122 days ago by   Mad Customer--they suck 0 Votes
I went to the cash store in grand prarie and waited for and hour then they finally turned me down..I could of sworn they said you are qualified as long as you have the proof that they need..Such a rip off and a waste of my time
 105 days ago by   coronetsrock 0 Votes
1099s are not sufficient collaterral for an advance because it does not display federal deductions. They need to confirm that you are in no way in bankruptcy or being garnished unvoluntarily from the IRS. Of course ads make things easily misleading, but you must take into consideration that whether or not they say it, there is an underwriting process assigned by a third party lender that must be met.
 81 days ago by   princessglenda -1 Votes
The woman above who talked about reversal of checks is right on the money. The same thing has just happened to me.
The Cash Store went into my bank account on July 10th of this year - then they encouraged me to pay off the balance of $392. 00 a little at a time. Imagine to my horror yesterday I am in Church and these bastards called me telling me that I still owe them $800.00.
As much as I tried to explain to Alex then Freda - then Erin (all morons who work for the Cash store) that if they looked properly they will see that my check for $423.00 was paid & cleared my bank almost 7 wks ago - these idiots kept telling me that I still owe the full amount. They are trying the same trick - send us a copy of your Bank Statement so that we can have proof that your check cleared.

Now tell me if my check was reversed would I not have that money in my account & would I not question a windfall ???? ALSO...why would it take 7 wks for this take place.

So now I am at the point where I WILL NOT BE PAYING THEM A DIME more and they will have to take me to court for the balance of $392.

Also I think that I will be reporting them to the BBB immediately.

They are dishonest & theives.
 76 days ago by   coronetsrock +1 Votes
Your check could have very well have been reversed, but how are we to know? (Note: I don't work for the cash store but am very versed in how they work.) Sometimes, there are times when the check will not clear and it does take longer than a month to hear back from the bank about it. If your check really did clear, why are you so adamat about not providing proof that it did? Do you not really care about your debts? Lots of people who go to the cash store don't.

The only way I can think of that you were able to pay half of your bill is that your initial check didn't clear in the first place. It isn't rocket science. Each customer is responsible to read their contracts when they are given them at the time of their advance. When you sign the 3rd page of each contract, they will ask you to check the first box. Congratulations! They just got your premission to debit your account one half the amount of your debt and then the other half later once it returns insufficient! And who's fault is that? Yours. You can kick yourself for that later if you don't like it.

To summarize, you had a loan for 800 dollars. You didn't come in to meet your financial obligations, so they debited your account for $800(or whatever it was) to get it back. You didn't have funds available, so they returned the check. My only guess is that you were unresponsive to their phone calls so they went ahead and tried to debit one half of the amount. Time went by and it returned for whatever reason(fraud, reversal, customer advised not authorized, insufficient funds, account close, stop payment, etc.)

So... unless I see otherwise, based off of my own knowledge of their ways and what you said, you basically didn't pay it to begin with. So, why do you care about them calling you? Also, it's unfair to list their names in your post. That makes you an ass. Do you want them listing your names? They're just doing their jobs, yet you find a way to make fun of them and call them morons when I could say the same for you. You've just demonstrated how horrible of a person you are and that you don't feel the need to repay your debts. I need to tell everyone about PrincessGlenda, hold the phone!

And again, I DON'T work for the Cash Store. I just think payday loan "victim" stories are pretty interesting(and amusing when they are at fault.)
 50 days ago by   vvv03 0 Votes
I totally agree. I went on my lunch break to get a loan and the girl the day before on the phone told me all I have to have is my current check stub, current bank statement, and a check and my license. I provided all the information and work right up the street for a huge dealership and they kept calling the corporate phone number that takes care of 100's of dealerships to get income verification and they said that was policy and procedure. They said that they couldn't call my direct dealership phone number. I was totally irritated because they mislead me first and had horrible attitudes second. I then asked the girl for her General Managers name and contact info to issue a complaint and she said she wasn't able to give that information out. She then gave me a card with the managers name scratched out . She then said she was the manager of the branch go figure. Oh and the reason I was misled on the phone is because the girl that talked to me the day before that was her first day ever working there. That to me was very misleading . They took to long and I was late back from lunch . The girl should have never stated that it would only take minutes. They are so full of it.
 29 days ago by   Tee2009 0 Votes
Oh my goodness. I almost got a loan with this company. I am getting married in a couple of weeks and needed some extra funds for some unexpected expenses. I filled out an app on line and used the online calculator. It said I could be approved for up to $1275. I'm like, great. I go in, they still take FOREVER to verify everything (eventhough my HR department verified right away) and she tells me I'm only approved for $800. I mean, I knew the online calculator was an estimate, but that's a big difference. So, I'm like okay, I need something so the lady starts trying to hand me the papers to sign, but she hadn't explained repayment, finance charge - NOTHING. So I'm like, hold on, how do I pay this back? She tells me $217 every two weeks 10 times! I said, that's over $2000 paid back to you for an $800 loan! YEAH RIGHT. I'm not stupid!

So, if you can possibly find another way to get the money you need, please do! I went to check n go instead and got approved for $725 and I only have to pay back $900...what a difference! RUN, DO NOT WALK, AWAY FROM THIS COMPANY! YOU WILL BE INDEBTED TO THEM FOREVER!
 29 days ago by   Maggie 0 Votes
You're very lucky if you get turned down by a payday loan outfit. Most of them have very shady operations, and you'll end up repaying tons more than you actually borrowed.
 25 days ago by   Tdot +1 Votes
All you people keep giving payday loans a hard time and im sorry if you need the money that bad go to your bank and take out a loan and in most cases you cant bcause you have bad credit with them already so these payday loans places are there to help you in a short quick time do you honestly expect it to be FREE or close to it?? NO your the one choosing to go there your the one with bad credit to begin with to have to go there so if you need the money and signed the papers...suck it up buttercup
 12 days ago by   itwasme75 0 Votes
In my opinion, pay day loans are a quick way to cover unexpected expenses without dropping your credit score. I have a great job and excellent credit. I have used the Cash Store. Why? Because every time your credit is checked, your score drops a bit. Every time you open a loan, it drops a bit again. So, for me, having this quick method is easier. Yes, I pay more than my bank but for the convenience of not having my credit report ran, its a good thing. just my opinion though of course and obviously we all have one. :-) In addition, I do not take more than I can pay off in a month. Period. They dont make as much money off of me since I pay it off early :)

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