Review and analysis of over 74 Payday Loan complaints against Cottonwood Financial Ltd.
Cottonwood Financial Ltd. consumers have reported over 74 official complaints related to Payday loan. Out of the 74 consumer complaints against Cottonwood Financial Ltd., 14% were disputed by the consumer (i.e. the consumer was not happy with how Cottonwood Financial Ltd. responded to their complaint) and 100% were processed in a timely manner. 1% of consumer complaints against Cottonwood Financial Ltd. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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Cottonwood Financial Ltd. Debt collection taking/threatening an illegal action threatened to sue on too old debt February 6, 2017 - In - I took out a payday loan from the - in Illinois, I though the loan had been satisfied, but apparently it had n't. On -/-/- I received a call on my work phone from - stating that I needed to contact " - - '' ( - ) and give them claim number - - -. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this situation.... |
Cottonwood Financial Ltd. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay January 17, 2017 - I made - payments of $190.00 for a Cash Store debt settlement from -/-/15 - -/-/15 and I received a call yesterday from another collection agency that this debt was not paid... |
Cottonwood Financial Ltd. Payday loan payment to acct not credited payment to acct not credited December 1, 2016 - I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru - - - because I ran into financial problems. I pay $1600.00 which paid it in full. Today I received a call from - then the lady transferred me to - - at -. He told me I owe $940.00 on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.... |
Cottonwood Financial Ltd. Payday loan can't contact lender can't contact lender November 28, 2016 - - keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made 1 payment of $77.00 then 2 further payments. they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from $1300.00 to $2800.00. I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. I requested a copy of our " recorded '' conversation an... |
Cottonwood Financial Ltd. Payday loan can't contact lender can't contact lender November 14, 2016 - Charged fees I was not aware of Did not credit payments as I paid them. Ca n't contact lender closed - in - Wisconsin - The Cash Store. - Cottonwood Financial is charging me over $2200.00 after I made payment on a loan of $1500.00 of - payments of over $300.00. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. - -, WI - - -... |
Cottonwood Financial Ltd. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect November 8, 2016 - Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.... |
Cottonwood Financial Ltd. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay November 2, 2016 - Threatened of being taken to jail. I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.... |
Cottonwood Financial Ltd. Payday loan can't stop charges to bank account can't stop charges to bank account October 25, 2016 - I submit a stop payment request on this payday loan from my bank, -. I paid the fee of $30.00 but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.... |
Cottonwood Financial Ltd. Debt collection communication tactics frequent or repeated calls August 25, 2016 - My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no $400.00 to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!... |
Cottonwood Financial Ltd. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay July 20, 2016 - I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a $800.00 payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hol... |
Cottonwood Financial Ltd. Debt collection communication tactics threatened to take legal action June 8, 2016 - I received calls today from - - -, - different numbers from - different states all stating the same thing. " Up now. Again this is a final call for - only. If you are not -. You must hang up now. This is your final call. This is - (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday - -. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by - today Wednesday - - at ... |
Cottonwood Financial Ltd. Debt collection communication tactics called outside of 8am-9pm May 18, 2016 - I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at - and after -. ... |
Cottonwood Financial Ltd. Debt collection false statements or representation impersonated an attorney or official May 18, 2016 - The company is owner of the note is dispute. and the calls at - or the calls at - are against the credit laws. The amount is incorrect on the note amount. I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it. ... |
Cottonwood Financial Ltd. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect April 11, 2016 - I got a call from a collector from the Cash Store on a SUNDAY NIGHT at -. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the - and other agencies. i have been in credit and collections for - years so I knew they were violating the law.It was for 400 % which was not told at the time ... |
Cottonwood Financial Ltd. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect March 3, 2016 - A lady named - - called from - to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " - ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail, ... |
Cottonwood Financial Ltd. Payday loan applied for loan/did not receive money applied for loan/did not receive money February 5, 2016 - The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # - - - - - - - -, Texas - - - - - - - - - - - - -, TE-AS - Application was completed in person on - - - at - and was rejected. Previous application was submitted on - - - and was rejected. Demographics for the applicant are the following : - Veteran, - - income only -, over -, no -. ... |
Cottonwood Financial Ltd. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt January 30, 2016 - I submitted a claim earlier about - - - and gave a description about what happened. The Cash store is another creditor they did the same thing as - in the previous claim. ... |
Cottonwood Financial Ltd. Debt collection improper contact or sharing of info contacted me after i asked not to January 11, 2016 - I keep getting calls from this number with threats of having me prosecuted and being verbally abusive. ... |
Cottonwood Financial Ltd. Payday loan payment to acct not credited payment to acct not credited January 7, 2016 - On -/-/15 I borrowed $3000.00 from the Cash Store # -. On -/-/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for $730.00 to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday - and Monday - and they still would not take my payment. As result I incurred an additional $180.00 in finance charges. Furthermore, I find it very dece... |
Cottonwood Financial Ltd. Payday loan can't stop charges to bank account can't stop charges to bank account December 22, 2015 - - - - in - - was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of $1200.00 on a $400.00 loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of - contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted ... |
Cottonwood Financial Ltd. Payday loan can't contact lender can't contact lender December 13, 2015 - I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in -, T-. The loan sad for $1200.00. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the accou... |
Cottonwood Financial Ltd. Debt collection improper contact or sharing of info contacted employer after asked not to September 29, 2015 - The cash store turned my debt over to - - - who have a guy named - - calling me and My employer, demanding to speak with the -. He has repeatedly discussed that I owe money and that they are serving me in - hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the -. I have many recordings of his statements. ... |
Cottonwood Financial Ltd. Debt collection improper contact or sharing of info talked to a third party about my debt August 12, 2015 - I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references. ... |
Cottonwood Financial Ltd. Debt collection communication tactics threatened to take legal action July 24, 2015 - I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again. ... |
Cottonwood Financial Ltd. Debt collection cont'd attempts collect debt not owed debt was paid June 30, 2015 - I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since - 2015. On - -, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared. ... |
Cottonwood Financial Ltd. Debt collection communication tactics frequent or repeated calls June 25, 2015 - The Cash Store calls multiple times a day ( - ) Using different numbers - through -. They have also begin calling my workplace. ... |
Cottonwood Financial Ltd. Debt collection cont'd attempts collect debt not owed debt is not mine June 6, 2015 - I did not request or receive a loan from anyone. I have had no dealings with this company. I am being contacted by repeatedly by several different companies and each time the lender and collection name changes. I am not even sure how they got my information. ... |
Cottonwood Financial Ltd. Debt collection communication tactics called after sent written cease of comm June 6, 2015 - I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on - -, 2015 at - per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly. ... |
Cottonwood Financial Ltd. Debt collection cont'd attempts collect debt not owed debt is not mine June 3, 2015 - I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, - -, 2015, I received another escalated '' call from the company. ... |
Cottonwood Financial Ltd. Debt collection communication tactics frequent or repeated calls May 14, 2015 - My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called - - - at -. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of T- laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for $470.00... |
Cottonwood Financial Ltd. Debt collection communication tactics threatened to take legal action April 27, 2015 - Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court. ... |
Cottonwood Financial Ltd. Debt collection taking/threatening an illegal action threatened to sue on too old debt April 23, 2015 - Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them. ... |