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Oneclickcash / Scam practices!

1 United States Review updated:
Contact information:
Phone: 888-5536477

I was out of work for 1 week due to my diabetes and hypertension and other medical problems. I received several email from payday advances and went with Oneclick. I was contacted by the company because I never completed the application process.

-I talked to 5 different reps before I decided to go with through with the pay day loan. I was told by all 5 reps that 90 dollars would be drafted from my account biweekly until the $ 390.00 (90 was suppose to be the interest)the was paid in full).

- Something just didn't feel right so I called on Jan 17th to reverify the info I was given and the rep stated ' She saw a payment of $90.00 that would draft out on Jan 18th that would reflect on my balance.

-I still had a unsettling feeling so I called on Jan 29 spoke with a male and he stated I haven't even started paying towards my balance of the $390.00. I informed him of my 5 conversations with reps I spoke with before the transaction took place and he stated there were no notations showing I spoke with 5 reps.

-During this conversation I advised the rep that no funds should be from my account and I would mail in 110.00 to payoff the account. He stated he couldn't stop the transaction and he would fax me a form.

-He then went on to say very rudely that he didn't show I spoke with a rep on Jan 17th. I ended the conversation due to my medical condition and called my cousin who is in law school.

-Thus on Jan 30 I called the company back and spoke to yet another rude lady that stated I hadn't paid a dime towards the $390.00 ($90.00 was suppose to be the interest) she stated that the 270.00 that has already drafted was interest!? By now everyone in my home listening to this conversation or FLOORED.

-If I had known that One click Cash was so Crooked I could have paid them back in FULL the same week I borrowed the $300.00. Pay Day Advance Companies shouldn't be allowed to take advantage of the consumers with such bad practices.

**Thus I have decided to report the company and try to began a Class Action lawsuit.

Va
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Comments

Ao
  3rd of Feb, 2008
Agree Disagree 0 Votes

My Loan Amount fron OneClickCash: $150.00

I Agree To Pay Them Back: $195.00

This company has debited 4 times now $45 from my account totaling: $180.00

I should owe $15.00

They still say i owe the original amount of $195.00
and all 4 debits of $45 don't count towards the loan, they're just INTEREST!!! <------

CONSUMERS STAY AWAY FROM THIS LOAN SITE COMPANY THEY WILL TAKE WHAT THEY CAN GET UNTIL YOU HAVE TO CLOSE YOUR BANK ACCOUNT!

Ch
  29th of Jul, 2008
Agree Disagree 0 Votes

i to0k 0ut the l0an "that they said" i "wasnt "appr0ved!!! f0r.. it was 200 i didnt know i got the loan..! UNTIL MY ACCOUNT WAS CHARGED !..THEY SCAMMED the ### 0uT of me...waYYYYYYYYY t0 much m0ney d0 n0t GET ANYTHING FROM THIS COMPANY OR MONEY AND MORE THEY ALSO GOT ME STAY AWAY

Je
  28th of Nov, 2008
Agree Disagree 0 Votes

i agree they took my money made me close account to now they say i owe the full amount still they are ###s and they are not getting any more from me

Ro
  1st of Dec, 2008
Agree Disagree 0 Votes

I am so happy I had the opportunity to get out of a bad situation when I found out about these complaints. I applied for a $2oo loan at 4pm. I was approved, and they would also send a username and password for me to check the status on my loan (and in case I wanted to renew). The username and password were never sent. After getting an uneasy feeling about this loan, I did some research on this company. THANK GOD for this site, and others like it! After reading the horrible reviews, I re-read my contract. I noticed that I had 48 hours to cancel the loan. After 45 MINUTES, I e-mailed them (I had to hunt for an a-mail address- mind you), saying "Due to the alarming amount of complaints regarding your company, I have no choice but to take my business elsewhere. " I then told them that the account I requested the funds for will be closed, and any confidential information I have provided will have a fraud alert attached, (just in case they tried something that could haunt me later). I went to their website, printed out the cancellation form, filled it out, and faxed it to them. Not ten minutes after did I receive an e-mail saying, " Your application could not be processed, and your loan has been withdrawn." YEAH RIGHT- It's only "withdrawn" now because I thwarted their plans to screw me! So again, a HUGE thank you to all who posted in regards to this company, and I know now to do my research before I make a decision about allowing access to my finances and not after.

Pi
  19th of Apr, 2009
Agree Disagree 0 Votes

I just received a payday loan due to medical problems from them. I haven't had any problems. If you read the fine print, only the interest will automatically be debited from your checking account on a biweekly basis unless otherwise indicated. Meaning, if you wish to pay in full, you have to go to your Profile and let them know or they will continue "renewing" your loan and just deduct the interest.

If you cannot pay it off in full, you can opt to pay it down in increments of $50.00.

Basically, you have to manually log into the website and click on which repayment option you want. If you do nothing, only the interest will automatically be deducted biweekly, therefore renewing your loan.

You can only renew your loan 4-5 times.

I work for a lawyer and former government agency and it doesn't look like there's a scam anywhere because I made sure I read every single word in their loan statement and disclosure (as well as understood it) before I clicked "submit".

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