When Check Into Cash Customer Service Fails

How to File a Claim Against Check Into Cash Payday Loans

When Check Into Cash hits you with hidden fees, robocalls, bait-and-switch scams, these are your options to file an official legal complaint against the company.

What is a Payday Loan?

Payday loans are small, short-term loans that have to be repaid quickly, with an extremely high interest rate. Most people can borrow between $50 and $1,000 with a payday loan. Typically, payday loans require repayment within 30 days.

Common Issues with Check Into Cash Payday Loans

There are a lot of tactics to watch out for with payday lenders.

  1. Bait and switch tactics are common when lenders charge customers hidden fees that weren’t advertised at the time they took out a loan.
  2. Payday lenders tend to use abusive or otherwise unfair practices like failing to present the loan price as something that can be negotiated, convincing unsophisticated or otherwise unknowing borrowers that they have to sign on the dotted line with the terms they are presented.
  3. Overly aggressive collection practices when lenders sue a borrower for a single bounced check, adding additional penalties and sometimes sending the debt to a collection agency immediately are quite common. This usually results in threatening phone calls and emails, among other forms of harassment.
  4. Payday lenders target low-income communities and military communities.

There is current government action against Check into Cash Payday Loans initiated by the Department of Business Oversight

On December 11, 2017 Check Into Cash of California Inc entered into a consent order with the Department of Business Oversight. The Assurance settles allegations that the business paid for referrals of some of its CFL loan borrowers, failed to adequately assess some borrowers’ ability to repay loans, failed to permit some borrowers to make advance payments in any amount on any loan contract at any time, the business also charged borrowers in excess of the rates of charges prescribed, and also made materially misleading statements or representations to some borrowers about the terms or conditions of their loans. Under terms of the Assurance, the business agreed to desist and refrain from the above violations, they agrees to refund borrowers totaling $121,587.40, and agreed to pay investigative fees in the amount of $18,238.11. The Assurance was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law.

What can you do to file a claim against Check Into Cash Payday Loans for these and other issues?

File a Claim in Small Claims Court

What is it?

The fine print of your loan agreement with Check Into Cash payday loans typically prohibits you from engaging in most lawsuits. However, the one exception is small claims court. Using small claims court can bring your issue before a judge who determines whether you deserve compensation.

When to try it?

This is a very time-consuming process; it costs money, and it takes multiple trips to the courthouse. Small claims court is a viable legal option when you have a lot of time and energy on your hands, and you want to make your case against the company public.

What you need to do

Find your small claims court and verify what the requirements are where you live. Every location is different; your state and county might have specific rules for how this process is to be done. 

What to expect

If you follow each of the steps laid out by your small claims court and you have a good case against the company, it’s very likely that you will receive compensation. It’s also likely the company will offer you a settlement early on in exchange for dropping the civil lawsuit against it.

File a Complaint with the Consumer Financial Protection Bureau against Check Into Cash Payday Loans

What is it?

The Consumer Financial Protection Bureau (CFPB) is an organization that has a complaint database. CFPB represents a federal agency, the first-of-its-kind with the authority to regulate the payday loan industry.

When to try it

The CFPB wants to know about the following issues:

  • Unexpected fees or interest charges
  • Unauthorized or incorrect charges to their bank account
  • Payments that were not credited to their loan
  • Problems contacting the lender
  • Not receiving money after they applied for a loan

What you need to do:

You can submit a complaint online by visiting www.consumerfinance.gov/complaint. You can also call the toll free numbers 1-855-411-CFPB (2372) or TTY/TDD phone number at 1-855-729-CFPB (2372). If you want to send a fax, send it to the CFPB at 1-855-237-2392. You can mail a letter to: Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, Iowa 52244.

What to expect

Don’t expect to get compensation this way, but rather to lodge a formal complaint against the company and help the CFPB exercise justice.

File a Better Business Bureau Complaint against Check Into Cash Payday Loans

What is it?

The Better Business Bureau (BBB) and its local chapters are private organizations that collect and publish complaints against a wide range of companies.  One of those companies is Check Into Cash Payday Loans. The BBB gathers information from customers to give companies a rating. BBB also allows companies the opportunity to respond to consumer complaints.

When to try it

The best time to try it is when the BBB page shows that the company is actively responding to complaints.

What you need to do

Go to the Check Into Cash Payday Loans BBB profile and follow the instructions for submitting a complaint.

What to expect

The outcome depends entirely on whether Check Into Cash Payday Loans responds to consumer complaints. If the company responds, it might contact you directly or you might receive notification from the BBB that the company has tried to reach you. At this point, you might have to provide further clarification or documentation to substantiate your claim.

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