Rosebud Economic Development Corporation

I applied for a loan on XX/XX/XXXX. I received a phone call on XX/XX/XXXX stating I had been approved. When I questioned the representative as to documentation and my signatures. She stated rudely, the money will be in your bank on XXXX XX/XX/XXXX, I then asked again and she said I should receive an email with all the information. This what I received : From : My Quick Wallet Customer Service XXXX Date : Wed, XX/XX/XXXX, XXXX Subject : My Quick Wallet - Upcoming Payment Reminder To : XXXX XXXX XXXX Courtesy Reminder - You have an upcoming payment. Payment Type ACH Will Appear On Statement As MY QUICK WALLET Payment Amount XXXX Payment Date XXXX Account Type Checking Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Thank you for using the services of My Quick Wallet. This courtesy email is to remind you that you have an upcoming payment due on this loan. Information regarding your balance and payment schedule are below.…

My Quick Wallet, used my general loan inquiry information and entered me into purgatory loan that I didn't agree to or apply for with this company. This is a fraudulent loan company took over {$400.00} from my bank account for a {$300.00} loan. I contacted the company in regards to this matter and informed them that they fraudulently entered me into a loan that had a ridiculous interest rates and repayment amount that tripled the amount of the supposed loan. I asked them to produce the agreement that I supposedly agreed to but, they never furnished me. After, I contacted them I made a claim with my bank, who also reached out to this fraudulent loan company in regards to them withdrawing unauthorized, but my bank received no response. So as a result my bank refunded the funds and any overdraft fees from the transaction back into my bank account.…

On XX/XX/year>, I was contacted by a representative calling from XXXX, claiming to represent an agency associated with the email address XXXX. The company is attempting to collect an alleged debt of approximately {$4000.00}. This alleged debt does not appear on any of my three official credit bureau files ( XXXX XXXX, or XXXX ). During the initial contact, the representative subjected me to intense high-pressure tactics, demanding immediate payment on the spot and refusing to allow me time to review the claim. When I stated I could not pay immediately and needed to investigate, the representative hung up on me. I called the number back and reached a female representative. They sent an email containing an unrecognized account number and a supposed loan agreement. They stated that because the account was late, they were immediately sending it to legal arbitration, threatening that I would owe significantly more money if I attempted to exercise my right to dispute it.…

On XX/XX/XXXX I sent an email to my quick wallet stating that I revoke any ach authorization from my bank account and to verify they received my email and that they stopped the authorization. Well they totally ignorey request and still took the {$88.00} from me account on XX/XX/XXXX. I try calling but they never answer. I went to my bank and they did a stop payment just have to wait to see if its stopped in time. They completely ignored my request and under regulation XXXX they have to stop

I took out a high interest loan not fully anticipating the fees and interest and struggled to pay the bi weekly amount. I called multiple times for refinancing options and was informed that I do not qualify. The interest is usurious and they make it nearly impossible to catch up. I owe far more than I borrowed and customer service just wants to know when I can make a payment rather than working with me

I was applying for loans online. I was checking out my options and seeing what interests rates would be. I connect my checking account to are if inwould be approved. I didnt not accpe tany loan agreements and this particular loan is 1000 % apr. I would have never accepted this loan with thay interest rate.

I applied for a loan for {$700.00} through my quick wallet on XXXX of XXXX. I completed the application process and was told my application was pending. The next day or so, {$300.00} was deposited into my account. I did not receive or sign any paperwork for this said amount borrowed. No rates, dates of transactions, or total amount was given to me. I have been paying anywhere between $ XXXX {$100.00} bi weekly per paycheck since XX/XX/XXXX until XX/XX/XXXX totaling {$920.00}. Not to mention my quick wallet took these payments from my account I did not decide how much was taken. If the full payment of {$290.00} was due at a certain date, they had access to take that amount by the correct daye, but didn't so they could over charge my account. When I called my quick wallet to complain they finally sent me a document about my loan. A document that I never signed because I had never seen it until the emailed to me {$920.00} later.…

I am filing this complaint against Willow Lake Lending regarding a {$420.00} consumer loan made to me as a New Jersey resident. I believe this loan is illegal, usurious, unenforceable, and in violation of New Jersey lending and consumer protection laws. Willow Lake Lending issued me a {$420.00} loan and has already collected {$450.00} from me, which exceeds the amount borrowed. The withdrawals appeared on my bank account as XXXX payments from WillowLakeLend, including {$110.00} payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>, along with additional amounts bringing the total paid to {$450.00}. I dispute the legality and enforceability of this loan. New Jerseys usury law generally limits interest to 6 % per year, or 16 % per year where there is a written contract, unless a valid legal exception applies. New Jersey also has criminal usury limits for loans subject to New Jersey law, including a 30 % maximum for non-corporate borrowers.…

On XX/XX/XXXX, I notified My Quick Wallet that I was revoking authorization of my bank account and debit card for my payment on XX/XX/year> of {$190.00}. The company never responded via email or phone but did remove my bank account from the authorization. However, they never removed my debit card. This payment method was included in my revoke authorization email to them. Today they took the unauthorized payment of {$190.00} from my account using my debit card.

This is an emergency update to active Case # XXXX. My Quick Wallet is actively retaliating during a federal investigation. On XX/XX/year>, they sent a new email explicitly threatening to contact my employer and bank, knowing it jeopardizes my job. This is a severe, ongoing violation of the FDCPA. I am attaching the new threat email as evidence.

This company requested an excessive amount of personal information, including my online banking login credentials. After completing the bank verification process and being informed that my loan was approved, I was suddenly told that my application was denied. Since then, I have been unable to contact the company, as my calls appear to be blocked, and I have not received any denial notice or explanation as required. I am extremely concerned about the handling of my personal and financial information. If this company attempts to withdraw funds from my account or otherwise misuses my information, I will pursue all available legal remedies, including filing complaints with the appropriate regulatory agencies and seeking legal action.

I am filing a formal complaint against XXXX XXXX XXXX ( associated with Rosebud Lending ) for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding illegal workplace harassment and failure to cease contact.On Thursday, XX/XX/year>, a representative from this company called my place of employment. During that phone call, I explicitly and clearly informed the representative that they are not authorized to contact my workplace and that my employer strictly prohibits personal financial communications.Despite having direct knowledge of this restriction, the same representative ( identifying themselves as XXXX XXXX ) sent me an email today, Friday, XX/XX/year>, for Account ID : XXXX. The email explicitly states : " Please also be aware we may be contacting your employer for verification of the employment information on file.…

I am formally disputing the accuracy, validity, and reporting of the above-referenced collection account associated with ZocaLoans / Rosebud Lending LZO . The original loan amount was approximately {$800.00}. However, the account is currently reporting a balance exceeding {$5000.00}. I request a complete accounting and validation of the balance being reported, including an itemized breakdown of all interest, fees, penalties, charges, and calculations used to arrive at the reported amount. The original agreement reflects an APR of approximately 771.77 %, which raises concerns regarding the legality and enforceability of the balance being reported and collected. I further dispute whether the amount being furnished to consumer reporting agencies accurately reflects a lawful and verifiable debt obligation. Additionally, the reported dates appear inconsistent across consumer reporting agencies. My understanding is that the date of first delinquency was XX/XX/year>.…

Subject : Complaint Against Debt Collector for XXXX Disclosure and Improper Collection Practices I am filing a complaint regarding the collection practices of a company attempting to collect an alleged debt associated with Quick Wallet. The company has contacted not only me, but also third parties whose information I never provided and who are not directly associated with this alleged account. The collector has : Contacted my place of employment and disclosed information regarding alleged legal action to general staff members. Left voicemail messages stating I would be served with court papers and referenced a court order summons. Sent text messages regarding possible legal action to a phone number belonging to someone related to me by marriage whose contact information I never provided to them. Used my maiden name in communications, which I no longer commonly use. Additionally, I attempted to resolve this matter previously.…

I received an email then a text stating that a short term loan was available for {$1500.00} without an apr stated. I attempted to get a document of the loan sent to me as well as log into my account. It took several efforts and calls and I finally got through to them in under 30 days of the loan being issued. I asked to cancel the loan and return the {$1500.00} issued because customer service stated the loan had an APR rate of 507.81 % I refused the loan and asked for them to cancel it as the loan was new. They instead are trying to take a weekly amount of {$150.00} out of my bank account for 60 months or 5 years. They not only had my log into information incorrect but as well didnt send a copy of document of the loan until after they put money into my account. I offered to return their money as it had not been 30 days with the XXXX XXXX due but come to find out they withdrew {$620.00} out of my account already and refused to just take the {$1500.00}.…

I took out a loan for XXXX They didnt tell me interest or the cost per month. Then after I got the loan they said I would paying {$580.00} every two weeks. The total loan repayment is over {$18000.00}. I had no idea

I received the loan amount of {$1500.00} at {$170.00} every week started XX/XX/XXXX and end XX/XX/XXXX and {$63.00} XX/XX/XXXX. When I applied I was working full time.. However my job is ending XX/XX/XXXX. I will not be able to continue to pay weekly payments of {$170.00} and continue to service my other household bills without being evicted and utilities turn off. It is going to be a great struggle for me.

My account has been closed and said to have been sold to another company called " XXXX '' but no other information was given on how to contact the company or who it even actually was. On Tuesday, XX/XX/year> my husband and I both received a call from a woman named XXXX from a company called XXXX and XXXX XXXX stating she was a courier and needed to give me documents that I needed to sign in person and that she was going to be going to not only my home but my place of employment as well. I let the call go to voicemail but my husband spoke with the woman who said she was going to be serving us tomorrow XX/XX/XXXX whether it be at our home or at my place of employment if we did not pay the amount of debt from My XXXX XXXX. We are struggling with money but my husband took it seriously and unfortunately gave his debit card information to her over the phone. I then received an email from XXXX.…

In compliance with Terms & Conditions, emailed company XX/XX/year> to discontinue future ACH withdrawals. Company proceeded to attempt an ACH withdrawal on XX/XX/year>.

applied for a {$750.00} loan and realized Sunny Day Lending is charging APR 499.22 %. They do not provide ANY ACCOUNTING or records of payments made. The company also does NOT PROVIDE THE ABILITY TO REPAY THE LOAN IN FULL.

I will attach what I got off the website for my account

I borrowed {$1400.00} on XX/XX/XXXX and was given a schedule of $ XXXXand change to be debited form my account every two weeks u til paid off. Showing it would take approximately 1 year to pay off. I signed the loan agreement, my first payment was said amount and now the second payment they are debiting is {$420.00}! I would have never agreed to repay that as I can not repay that. And only {$10.00} of it goes to principle. I was NOT given a copy of my signed agreement, I can not access any signed payment agreement in the customer portal either.

Company repeatedly call my job after being told to only communicate with me via email or cell phone. XX/XX/26 I sent a email stating to only contact me via email. XX/XX/26 I spoke with a representative via phone after phone calls to my job kept happening.

My work location has a strict no personal call policy. XXXX the representative with my quick wallet has been sent an email on XX/XX/year> to refrain from calling the work location. Shortly after another attempt was made and I explained the no call rule as it could result in serious consequences. I reminded him of my work schedule XXXX and I would return a call during normal business hours or information could be sent via email communication. XXXX confirmed getting the notice and yet still ignored the request. XXXX and quick wallet gave ignored the communication. Resulting in 3 phone calls since then, Ive been reprimanded Due to the policy here at work.

I applied for a personal loan on the XXXX XXXX XXXX XXXX.I applied online for {$600.00} and everything was completed online, all my personal information regarding address, employment, bank etctera .On its completion within few minutes I was approved.They said I was qualified for a loan up to {$1800.00} but I only wanted to borrow {$600.00}, however they never disclosed whatsoever would be the interest rate and finance charges.They were never transparent about the exorbitant interest rate of 735.61 % and the finance charges on a {$600.00} loan for {$2800.00} and total payments expected for $ XXXXThe funds were deposited to my XXXX XXXX bank by ACH on Monday morning and I paid a bill from that account.When I called them up the after logging in with account information I was totally surprised and shocked at the terms of the loan when I read it.The terms also included a payment schedule laid out beginning XXXX and amount to be paid of {$170.00} every 2 weeks, that coincide with my pay…

I took a loan {$450.00}. I agreed to a payment plan of {$110.00} but was not told about the interest %. I have paid {$680.00}. I called the company and was told that I am paying the principal and exactly {$1.00} from my payments are going to my loan. This is outrageous and highly unfair.

My information was compromised several times and also stolen as part of the data breach this account is not mine and I have never ever done business with this company I dont owe this and its identify theft

I applied for a payday loan online for {$700.00} on XX/XX/year> to help with holiday expenses. I was given {$300.00} the next day. Never received any paperwork. I have been paying the loan back bi weekly starting on XXXX in various incriminates. I have payed back a total so far of {$860.00}. I called my quick wallet and they said I still owe {$200.00}. I only received a loan for {$300.00} and they are saying my total pay back is over {$1000.00}. This is fraud. The lady i spoke to told me to email XXXX which i did to have my paperwork emailed to me. I have not had any response from the company. They are overcharging me and not giving me any paperwork to verify the amount.

On XX/XX/year>, I successfully secured a small loan of {$600.00}. However, upon reviewing my payment history, I discovered that my total outstanding balance had increased to {$3200.00} as of XX/XX/year>. Despite making {$160.00} payments every XXXX weeks, I am perplexed as to why I continue to make payments. I have already completed XXXX payments, amounting to {$2500.00}, which exceeds the initial loan amount of {$600.00}. XXXX 642.52 %

I obtained a {$750.00} installment loan from Willow Lake Lending in XX/XX/year>. Since origination, I have paid approximately {$3500.00} through scheduled debits ( 34 payments of {$100.00} ), yet the lender is still asserting a remaining balance of approximately {$580.00}. I am disputing the lenders payment practices and ongoing ACH withdrawals. Given the substantial amount already collected relative to the original principal, I have serious concerns about how payments have been applied and how the remaining balance has been calculated. I revoked ACH authorization and notified both the lender and my bank that no further electronic debits are authorized. I also opened a dispute with my bank and provided supporting documentation, including the loan agreement and payment-related records. Despite these actions, collection activity appears ongoing and the lender continues to claim a remaining balance.…