Complaints

This profile includes complaints for CashNetUSA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  CashNetUSA

  175 W Jackson Blvd Ste 1000 Chicago, IL 60604-2863

• 

  CashNetUSA

  200 W Jackson Blvd Stop 4 Chicago, IL 60606-6941

• 

  CashNetUSA

  175 W Jackson Blvd #1000 Chicago, IL 60604-2863

• 

  CashNetUSA

  P.O. Box 643990 Cincinnati, OH 45264

• 

  CashNetUSA

  7828 W Highway 124 Harrisburg, MO 65256

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/07/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  U-Haul deposited my $500 loan into my deceased parents banking account which I have no access to and does not even have my name on it. You told me to call the bank I did they told you they told you to stop payment on the check, but you have yet to so you told me to send you banking information I did which is for chime because I cannot open a traditional account and you all claimed to help people with Bad credit now you tell me you cant deposit into chime yet you all accept chime as payment so that doesnt make sense then you asked for a bank statement proving I didnt spend the money. I cannot get a bank statement from somebody elses account. Thats not mine thats impossible. Its insane to even ask somebody that All you have to do is stop payment like the bank said and they will return the funds back to you and then you put them into chime account, which is what should be happening, but it has not happened. Its been weeks now. Ive lost my phone. Im getting evicted all over this money. I would like my money put into the proper account because now youre saying Im late on my payments how can I be late on the payment when I never receive the money I want my payments recalculated after I receive my money if not, cancel my account cancel everything and take loan off of my credit report You all claimed to help people with bad credit will help somebody. I cant open it additional account. Ive tried all behind this yet. You wanna charge me money I never received. Im not paying for something. I never got so please find it in your heart to put it in my chime account so then I can then therefore pay back the loan that I got, Im not paying back loan that you did not give me simple as that And I cant give you bank statement into a bank account that doesnt belong to me to prove that I didnt spend it all you have to do is stop payment on the check and Ill send you the money back. That should be proof enough. 

  Business Response

  Date: 05/23/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On April 13, 2025, Ms. ******* submitted an application and was approved for a $500.00 Installment loan with CashNetUSA.According to our records, Ms. ******** loan was scheduled for deposit on April 14, 2025, to the bank account provided in the application and that she agreed to and was listed on her loan agreement. A confirmation email was sent to **********.
  

  On April 27, 2025, Ms. ******* contacted our customer service department stating she did not receive the funds for her loan. As such,CashNetUSA advised Ms. ******* to verify her banking details. Typically, if an account is closed and isnt accepting deposits, the funds should return back to CashNetUSA usually within 7 days. Please note, the 7 day time frame has lapsed and the funds had not returned back.
  
  Ms. ******* account was escalated for further review and on May 8, 2025, we received notification from the bank advising that the account was an invalid bank account and the initial funding of $500.00 was returned back to CashNetUSA. Subsequently, a confirmation email was sent to ********** advising as such. Since Ms. ******* does not owe a balance, CashNetUSA will not attempt to debit funds from her bank account.
  
  Based on our review, Ms. ******* submitted a new application(s). However, after careful consideration, it was determined that ********** did not meet our underwriting requirements for a CashNetUSA loan. *********** application was ultimately denied for a CashNetUSA loan product, and a notice of adverse action (NOAA) was sent as required by law, informing him of the principal reason(s) her loan application was not approved.
  
  Please note, we provide a thorough verification process in order to ensure responsible lending. During our underwriting process, we use a variety of tools and techniques to verify identity, employment, banking information, and overall financial health. As such, we require certain verifications to determine a decision.  Review of each of Ms. ******** applications confirms that her applications were reviewed uniformly with our proprietary underwriting model/standards and that she received the correct adverse action reason(s) in each instance.
  

  If Ms. ******* has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday:8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  

  
  

• Initial Complaint

  Date:05/06/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today, 5/6;2025 I applied for an online loan for $1500. After completing the loan document online, I was transferred to a loan supervisor who tried to get me to agree to a loan for $3000. When I wouldn't change, he asked me to go to ******* and purchase a $300 gift card. I said that I would not do it and to cancel my loan request. He said I would be charged $399 to cancel so I hung up the phone.

  Business Response

  Date: 05/20/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, CashNetUSA currently does not provide financial services to residents of ********. In addition, CashNetUSA does not ask for gift cards as a form of payment or charge a fee for cancellations.
  

  After a careful review, we have determined that this is fraud. CashNetUSA is not associated in any way with the persons referenced in this complaint. Based on the details of the complaint, it is clear that fraudsters falsely posing as consumer lenders have contacted Mr. ******************** persons are fraudulently using our trade name in an attempt to extort money from consumers by claiming to offer consumer loan services.
  
  Our records do indicate Mr. ******** applied for financial services in 2017; however, we were unable to approve their application. Therefore, a loan/funds were not issued.
  

  While we sympathize with Mr. ********* situation, we cannot take action because the complaint is not related to CashNetUSA. If Mr. ******** suspects that they are being contacted by a suspicious entity, we recommend that they follow the links below to the ************************* web site for information on how they can protect themselves against this type of activity.
  

  ********************************************************************************
  

  ************************************************************
  

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information,please contact us.

• Initial Complaint

  Date:05/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I borrowed money from them and kept asking about the payments and every time I made payments to them the interest kept going up. They were not forthcoming about the payments and interest rate on the loan. I have paid the loan off. I don&#**;t want any further contact by the business.

  Business Response

  Date: 05/21/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  

  On November 12, 2024, Ms. ******* opened a $1,150.00 line of credit with CashNetUSA. When Ms. ******** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated November 12, 2024.Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to her (via email) when she opened the account.
  

  As set forth in Ms. ********* line of credit Agreement, interest will be charged each day on the principal that is scheduled to be outstanding. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e., interest is charged on principal only and not on fees or accrued interest). 
  

  As set forth in Ms. ********* line of credit Agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  The Minimum Payment due each payment due date is all interest accrued at the end of the prior billing period, plus 5% of the total of the outstanding Principal Balance.Whenever a billing period closes, Ms. ******** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount.
  

  Since establishing the line of credit,Ms. ******** has requested one (1) cash advance. Although Ms. ******** has made payments, she has failed to make all the required payments under the Agreement and her account balance is past due. Contrary to Ms. ********* assertion, she has not paid the account balance. As such, our collection efforts have been initiated.
  

  In reviewing Ms. ********* account,our records confirm that Ms. ******** has correctly been managed in alignment with the signed Agreement. 
  

  Further in our review, Ms. ******** contacted our customer support team in regard to the concerns mentioned in her complaint and advised that she has sought the assistance of a third-party consumer agency. Therefore, her concerns were escalated. Additionally, she requested to cease communication. Therefore her account was escalated, we updated our records accordingly and a confirmation email was sent advising her that we will contact her within 10 business days.
  

  We are willing to work with *********** regarding her past due account balance and schedule available repayment options. We ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT for assistance.

  
  

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23293088
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ********

  Customer Answer

  Date: 05/22/2025

  Iwas not give n information on payment ask what and how many payments they told 2 payments  also said there were no more payments available till I started to make several payments  most fraudulent I have paid them back I do no or will not pay no more more to them they are not trustworthy. The over dreamy back accounts twice....took payments when they were told not to I have proof of payments they are paid ******* dispute *** this account...I just got another notification from them today ...they were told not to call...texts...or email.

   

  Business Response

  Date: 05/23/2025

  Thank you for forwarding the additional correspondence to our attention.
  

  As mentioned, on November 12, 2024,Ms. ******* opened a $1,150.00 line of credit with CashNetUSA. When Ms. ******** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated November 12, 2024. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to her (via email) when she opened the account.
  

  In addition, Ms. ******** signed an Automated Clearing House (ACH) authorization allowing for debits and credits to be made to her bank account.
  

  As set forth in Ms. ********* line of credit Agreement, interest will be charged each day on the principal that is scheduled to be outstanding. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e., interest is charged on principal only and not on fees or accrued interest). 
  

  As set forth in Ms. ********* line of credit Agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  The Minimum Payment due each payment due date is all interest accrued at the end of the prior billing period, plus 5% of the total of the outstanding Principal Balance.Whenever a billing period closes, Ms. ******** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount.
  

  Since establishing the line of credit,Ms. ******** has requested one (1) cash advance. Although Ms. ******** has made payments, she has failed to make all the required payments under the Agreement and her account balance is past due.  As such, our collection efforts have been initiated.
  

  Please note, payments are not fixed and may vary based on the statement balance. They can decrease with timely payments or increase if additional cash advances are taken or if there are past due balances.
  

  In reviewing Ms. ********* account,our records confirm that Ms. ******** has correctly been managed in alignment with the signed Agreement. 
  

  As mentioned, Ms. ******** contacted our customer support team in regard to the concerns mentioned in her complaint and advised that she has sought the assistance of a third-party consumer agency. Therefore, her concerns were escalated. Additionally, she requested to cease communication.
  

  Therefore her account was escalated,we updated our records accordingly to cease communications and a confirmation email was sent advising that we have updated her account cease further contact.
  

  If ****************  has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.

  
  

  Customer Answer

  Date: 05/23/2025

   
  Complaint: 23293088
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:04/29/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received a letter on May 1st, 2025, that claims that there will be ACH transfer in amount of $450 on May 2nd. I have not authorized a payment and am concerned this may be fraud.

  Business Response

  Date: 05/15/2025

  Thank you for forwarding this complaint. CashNetUSA takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.

  On June 30, 2023, Ms. ****** opened a $2,000.00 line of credit with CashNetUSA. When Ms. ****** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; Ms. ****** acknowledged her acceptance by electronic signature on the application dated June 30, 2023. CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement, a copy of which was provided to Ms. ****** (via email) when Ms. ****** opened the account. In addition, Ms. ****** signed an Automated Clearing House (ACH) authorization allowing credits and debits to be made to her bank account.

  As set forth in Ms. ******* line of credit agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  Whenever a billing period closes, Ms. ****** receives an email notification that the statement has been generated. This statement will detail the scheduled payment obligations,including the due date and minimum payment amount.

  Since establishing the line of credit, Ms. ****** has requested twenty-one (21) cash advances.

  Based on our review, Ms. ****** had a payment due on April 18, 2025.However, on April 16, 2025, Ms. ****** called our customer support team and adjusted the payment date to May 2, 2025. Please note, a confirmation email was sent to her advising her of the adjustment. In addition, Ms. ****** also had a regularly scheduled payment due on May 2, 2025, resulting in two (2)payments due on the same day.
  
  An email was sent to Ms. ****** indicating the upcoming debit. Federal law requires that we send this notice to customer prior to initiating a payment transfer attempt in connection with the account if the date or amount is different from a regularly scheduled payment or if the payment channel is different from the immediately preceding payment transfer attempt. We also must provide this notice prior to re-attempting any payments that have returned for any reason.
  
  Further in our review, on April 29, 2025, ********* contacted our customer support team and adjusted her regularly scheduled payment due on May 2, 2025 to May 16, 2025. Please note, a confirmation email was sent to her advising her of the adjustment. In addition, Ms. ****** also had a regularly scheduled payment due on May 16, 2025, resulting in two (2)payments due on the same day.
  
  We have reviewed Ms. ******* account and our review concludes that her account has been serviced in alignment with the signed ******************************* has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday:8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was given a loan amount and used it partially and then drew from multiple times over the last 9 months or so. However I have been making outlandish bi weekly payments from *******. My original amount for loan was ***** not cash nets net says I owe ******** but can take 600 now of a NEW goal of to *****. However I have made 5 straight $445 and $450 payments and my pay off amount continues to increase even without with drawing. It showed ***** a few days ago and now showing over ***** for payoff. It goes up even when nothing is due or being used. 

  Business Response

  Date: 05/13/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On September 3, 2024, Mr. ******* opened a $2,400.00 limit Line of Credit with CashNetUSA. When Mr. ******* applied for the line of credit, he was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if he wanted to proceed with the application process; he acknowledged his acceptance by electronic signature on the application dated September 3, 2024. Before he entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest. 
  
  As set forth in Mr.******** Line of Credit Agreement, interest will be charged each day on the principal that is scheduled to be outstanding. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e.,interest is charged on principal only and not on fees or accrued interest). 
  
  As set forth in ***************** of Credit Agreement, he is required to make at least the minimum payment every billing period he carries a balance.  Whenever a billing period closes, Mr. ******* receives an email notification that his statement has been generated. This statement will detail his scheduled payment obligations,including the due date and minimum payment amount.
  
  Since establishing the line of credit, Mr. ******* has requested fourteen (14) cash advances. Although Mr. ******* has made payments, he has failed to make all the required payments under the Agreement and his account balance is past due. As such, our collection efforts have been initiated.
  
  Please be advised, payments are applied to interest and fees first. Mr. ******* has the right to make a payment in advance in any amount and at any time without penalty.
  We have reviewed Mr. ******** account, and our review concludes that his account has been serviced in alignment with the signed Agreement. 
  
  If Mr. ******* has any additional questions regarding this matter, we ask that he please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  
  

• Initial Complaint

  Date:04/25/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Background: I have a $0 balance due with CashNet USA. I don't have an existing or pending line-of-credit draw. On April 25, 2025 at approximately 9:40 am, I phoned CashNet USA customer service and spoke with an agent who identified herself as, "*****". I requested that my CashNet USA customer account be closed/deleted. ***** told me Federal law forbids my account deleting. I demanded she provide me the Federal law/regulations. ***** put me on hold and returned at approximately 9:44 am. She repeated the claim federal law didn't allow my account deletion, added state law also forbids such deletion. ***** didn't give me the statutes/regulations I demanded to know. I demanded to speak with a supervisor. ***** claimed she didn't have a supervisor. I demanded the legal department phone/email information. ***** claimed no such information existed. I ended the call with *****. I attempted to open CashNet's "terms and policies" link on the website but there was no such page when I clicked the link. I tried to delete my bank/debit card information on the website but there is no such option. I am writing this to demand that CashNet USA respond and either 1. inform me that they have deleted my customer account per my demand or, 2. Provide me with a phone number or email address to their legal department so my attorney and I may discuss this matter with CashNet legal representatives.

  Customer Answer

  Date: 04/26/2025

  
  Better Business Bureau:
  
  The Business has addressed my concerns outside of addressing the BBB in reference to complaint ID ********. My issue is resolved and my complaint can be closed. 
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/22/2025

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Somebody else took out a loan in my name and I can't get cashnet give me the date the loan was taken out or to send me any of the paperwork from the loan agreement on so that I can take it to my police department and get this figured out

  Business Response

  Date: 05/06/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  After carefully reviewing this complaint, based on the information provided, CashNetUSA is unable to locate a profile that matches the complainants information. In order to assist ********* further, we ask that she please contact us to provide a CashNetUSA account number and/or personal identifiable information to verify if there has been an account opened on their behalf. Our customer service departments phone number is ************.  Please note our hours of operation are Monday Friday 7AM 8PM CT and Saturday 8:30 AM 5PM and Sunday 10AM 6:30PM CT.
  

  Customer Answer

  Date: 05/09/2025

   
  Complaint: 23235921
  
  I am rejecting this response because:
  Upon receiving several calls from people claiming to be cashnet USA employees I have asked them multiple times to provide me with the date of the loan, the loan agreement and any other paperwork pertaining to my supposed loan and not one of them could tell me the date the loan was even taken out, let alone provide any paperwork I asked for. I have filed a case with my local police **** bc I did not take out the loan. 
  Sincerely,
  
  ******* ******

  Business Response

  Date: 05/09/2025

  Thank you for forwarding the additional correspondence to our attention.
  
  As mentioned, based on the information provided, CashNetUSA is unable to locate a profile that matches the complainants information. In order to assist Ms. ****** further, we ask that she please contact us to provide a CashNetUSA account number and/or personal identifiable information to verify if there has been an account opened on their behalf. 
  
  Should Ms. ****** wish to contact us directly, our customer service departments phone number is ************.  Please note our hours of operation are Monday Friday 7AM 8PM CT and Saturday 8:30 AM 5PM and Sunday 10AM 6:30PM CT.

  Customer Answer

  Date: 05/13/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Cashnet refuses to update my account as paid in full

  Business Response

  Date: 05/08/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  On February 2, *****, ********** opened a $2,000.00 line of credit with CashNetUSA. When Ms. ******* applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated February 2, 2019. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement.
  
  As set forth in Ms. ******** line of credit Agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  Whenever a billing period closes, Ms. ******* receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount.
  
  Since establishing the line of credit, Ms. ******* has requested two (2) cash advances. Although Ms. ******* has made payments, she has failed to make all the required payments under the Agreement and her account balance is past due. As such, our collection efforts were initiated.
  
  On June 21, 2019, we received Ms. ******** notification of Chapter 13 bankruptcy filing. As such, we stopped collection procedures and have not attempted to contact her since that time.
  Based on our review of Ms. ******** account, ******************** has received payments from Ms. ******** Trustee, however, a balance remains.
  
  Further in our review, Ms. ******* has previously called our customer support team in regards to the concerns mentioned in her complaint and she was advised of the aforementioned information. However, she was advised to contact our bankruptcy support team for further information. At this time, our records indicate that Ms. ******* has not contacted our customer support team for assistance.
  
  If Ms. ******* has any additional questions regarding this matter, we ask that she please our bankruptcy department at ************,Monday Friday, 8:00AM 4:30PM CT for assistance.
  
  

  Customer Answer

  Date: 05/08/2025

   
  Complaint: 23235148
  
  I am rejecting this response because I have left several messages with the bankruptcy office and forwarded several emails that never received a reply.

  In consideration of the estimated $25 balance that is allegedly owed, Cashnet presumably agreed to the lesser balance when contacted by the Trustee or was informed of the settlement dollar that the company would receive as this is customary bankruptcy court practices. 

  Per my bankruptcy discharge all debts were satisfied any any remaining residual charges were written off as these items have met statute and are no longer collectable.

  I am convinced that Cashnet has exercised bias practices in this matter concerning my  bankruptcy filing and avoided admission of their practice by omitting pertinent information concerning attempts to contact their bankruptcy office.

  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 05/12/2025

  Thank you for forwarding the additional correspondence to our attention.
  
  Ms. Jacksons account was forwarded to our ********************* and she is able to reapply.
  
  If Ms. ******* has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday:8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  
  
  
  
  
  

  Customer Answer

  Date: 05/21/2025

  Better Business Bureau:
  
  The complaint has been resolved. Thank you for your assistance. 

  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I submitted an application with CashNetUSA and was approved. The Unspecified amount of monies was deposited into my checking account without my knowledge. The company did NOT email the loan agreement prior to depositing these funds into my account. Two days later I received the agreement which stated interest would accrue DAILY! This $2000 loan, 4-5 months later has escalated to almost $6000! I called the company and the representative stated, Oh, You live in Alabama, those are the fees for Alabama . I will agree I owe $2000, but to blindside customers by NOT sending an agreement, for review prior to depositing funds into their accounts then charging the close to $400 every pay period is FRAUD/ SCAM on a bigger level. SHAME ON CASH NET ***!!!!! Youre NOT helping YOU ARE KILLING CONSUMERS!!!!

  Business Response

  Date: 05/05/2025

  Thank you for forwarding this customer complaint. We take all complaints seriously and make every effort to implement a fair and satisfactory resolution.
  
  As an initial matter, at all relevant times, ********** line of credit account with ******************** has complied with the applicable laws including our lending and interest.  CashNetUSA is licensed by the State of Alabama State Banking Department.
  
  On August 30, 2024, Ms. ****** opened a $2,000.00 line of credit with CashNetUSA. When Ms. ****** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated August 30, 2024. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement.

  Contrary to her assertion, a copy of her loan agreement was provided to her (via email) when she opened the account.
  
  As set forth in Ms. ******* line of credit Agreement, interest will be charged each day on the principal that is scheduled to be outstanding. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e., interest is charged on principal only and not on fees or accrued interest). 
  
  As set forth in Ms. ******* line of credit Agreement, there is a cash advance fee for every cash advance requested.
  
  As set forth in Ms. ******* line of credit Agreement, she is required to make at least the minimum payment every billing period that has an outstanding balance.  Whenever a billing period closes, Ms. ****** receives an email notification that her statement has been generated. This statement will detail her scheduled payment obligations, including the due date and minimum payment amount.
  
  Subsequently, on August 30, 2024, per ********** request, a $2,000.00 cash advance was funded on September 3, 2024.Please note a confirmation email was sent to Ms. ****************** ****** has made one payment toward the account balance and has failed to make the required payments under the Agreement. Consequently, her account balance became past due. As such, our collection efforts have been initiated.
  
  On January 13, 2025, Ms. ******* entire outstanding balance was accelerated due to non-payment of past-due amounts, and the entire outstanding balance for her line of credit, became due,which includes all amounts owed on her line of credit.

  In reviewing Ms. ******* account, our records confirm that Ms. ****** has correctly been managed in alignment with the signed Agreement.  Therefore, we will not be able to honor her resolution request to void the interest.
  
  Based on our review, Ms. ****** contacted our customer support team in regards to how the line of credit works and she was advised of the aforementioned information.
  

  If Ms. ****** has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  

  
  

  Customer Answer

  Date: 05/08/2025

   
  Complaint: 23225399
  
  I am rejecting this response because

  The time-stamp in the system will reflect I did NOT have the said documentation prior to depositing the funds into my account. I would have NEVER accepted the ********** daily interest this company applies to their loans. Their means of help is destructive. This company received my banking information and transferred the funds while I was still in the process of competing the paperwork. I will NOT disclose any additional information in regards to the mannerisms of how this company uses fraud to misuse the means to proper lending.

  
  Sincerely,
  
  ******* ******

  Business Response

  Date: 05/09/2025

  Thank you for forwarding the additional correspondence to our attention.
  
  As mentioned, when Ms. ****** applied for the line of credit, she was presented with and required to agree to the CashNetUSA and Terms and Conditions (Agreement) if she wanted to proceed with the application process; she acknowledged her acceptance by electronic signature on the application dated August 30, 2024. Before she entered the agreement, CashNetUSA disclosed the terms and conditions of the Line of Credit including the Annual Percentage Rate (APR) for Cash Advances and Paying Interest.  The interest applicable to a cash advance were fully set forth in the agreement.
  
  As mentioned, a copy of her loan agreement was provided to her (via email) when she opened the account.
  
  As mentioned, on August 30, 2024, per ********** request, a $2,000.00 cash advance was funded on September 3, 2024.Please note a confirmation email was sent to Ms. ***************** set forth in Ms. ******* line of credit Agreement, interest will be charged each day on the principal that is scheduled to be outstanding. Please note that daily interest is applied only to the amount borrowed that is outstanding on that day (i.e., interest is charged on principal only and not on fees or accrued interest). 
  
  As set forth in Ms. ******* line of credit Agreement, there is a cash advance fee for every cash advance requested.
  
  Based on our review, our records indicate that Ms. ****** did not contact our customer support team to rescind the cash advance and her account has been managed in alignment with the above referenced Agreement.
  
  If Ms. ****** has any additional questions regarding this matter, we ask that she please contact our customer support team at ************, Monday Friday, 7:00AM 8:00PM CT, Saturday: 8:30 AM 5:00 PM CT and Sunday 10:00 AM 6:30 PM CT.
  
  
  
  
  

  Customer Answer

  Date: 05/09/2025

   
  Complaint: 23225399
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been contacted by someone that says that CashNetUSA is seeking to sue me and they are they are my last resort before doing so. I took a loan out in 2021 and made some payments. I do not remember much after that due to my health taking a huge hit. I am NOT seeking pity. I am just stating facts. I did not receive mail from them, as in postal service. IF they would have contacted me that way instead of waiting 4 years to attempt to sue me, I would have contacted them and tried to work something out. If there were phone calls from a number without a name attachment and no voicemails left, I do not call back. I am being honest. I get just basically disability now and work around 8 hours a week now compared to then. I can pay it back if allowed to do but not at the excess of $3,000.00. A more affordable plan would be more beneficial than what my other options are for myself. Again, it can be considered predatory practice if it goes straight to being sued. No notice. I mean NO NOTICE by anyone. Isn't that predatory practice? 

  Business Response

  Date: 04/07/2025

  Thank you for forwarding this complaint. CashNetUSA takes all complaints seriously and makes every effort to implement a fair and satisfactory resolution.
  

  As an initial matter, CashNetUSA is not responsible for or is participating in the complained conduct. CashNetUSA is not attempting to collect any money from Ms. ******** and has no knowledge of the situation that *********** mentions in their complaint.
  

  Based on the details of the complaint, it is clear that fraudsters falsely posing as collectors have contacted Ms. ******************** persons are fraudulently using our trade name in an attempt to extort money from consumers by utilizing threatening tactics.
  

  After review of our records, Ms. ******** was funded an flex loan of $2,000.00 with CashNetUSA, on December 17, 2021. The account became delinquent, and it was eventually sold to a third-party collection agency, *****************, on November 30, 2023. The outstanding balance was $3,777.28 and there has been no attempt to collect on this debt since the debt was sold. Inquiries regarding this debt should be directed to ***************** their contact number is ************.
  

  It is always our prioritized goal to adhere to and comply with all regulatory requirements while conducting regular and collection business. We train our staff accordingly and follow the collection guidelines set forth by the Fair Debt Collection Practices Act (FDCPA).
  

  While we sympathize with Ms. ********* situation,we cannot take action because the complaint is not related to CashNetUSA. We recommend that they follow the link below to the ************************* web site for information on how they can protect themselves against this type of activity.
  
  ***************************************************************************
  

  We hope that this response resolves this complaint and answers any questions that your office has. If we can provide any additional information, please contact us.