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Hello, have anyone here dealt with loan point usa??

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Drugger,

Are you facing any problem with them? Please let me know.

Like | Dislike | Share | Posted: Tue, 08/14/2007 - 02:44 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Ya they're taking out money through ACH withdrawals even after i've paid it all. I am thinking of filing a complaint against them. does that stop such withdrawal?

Like | Dislike | Share | Posted: Tue, 08/14/2007 - 02:48 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello Drugger,

If you file a complaint with the state AG, it will help you stop them from taking out money from your account. But that will happen only if the AG finds them guilty. It will take some time i guess.

Like | Dislike | Share | Posted: Tue, 08/14/2007 - 03:52 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Drugger,

Welcome back to forum.

Yes, you can file a complaint about their illegal activities of garnishing your account to an attorney general. He will surely investigate into the matter and help you to prevent such garnishment.

Like | Dislike | Share | Posted: Tue, 08/14/2007 - 04:34 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I had received a loan and the week before the due date I had told them to take the full amount out. They called me on the due date and said they didnt receive it in time

Like | Dislike | Share | Posted: Mon, 08/20/2007 - 11:43 | Post subject:

miller_st's picture
miller_st | Joined: January 17, 2007 04:47 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Why they are saying that they did not receive the amount in time?

If you had given them the permission to take out money then there should not be any problem with it. Did they provide any explanation/reason because of which they have not received the amount in time?

Miller

Like | Dislike | Share | Posted: Mon, 08/20/2007 - 16:00 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi La Donna,

Have you asked why they have not received the money on time despite of your permission? And now, what are they asking you to do? Please let us know.

Like | Dislike | Share | Posted: Tue, 08/21/2007 - 01:55 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

recieved loan then job ran out what do i do

Like | Dislike | Share | Posted: Mon, 09/10/2007 - 16:19 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest,

When you have lost your job just after receiving the loan, you may face problem in continuing the payments. So it is better if you cancel the loan.

There are some states like Washington where you can change your mind and cancel the payday loan within one day. So if you fall in that state, you can easily cancel the loan.

Like | Dislike | Share | Posted: Mon, 09/10/2007 - 22:54 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

MY HUSBAND RECEIVED A LOAN THROUGH THIS COMPANY AND THEY HAVEN'T MESSED WITH US YET BUT NOW I AM BEGINNING TO WONDER THAT THEY WILL THNX FOR EVERYTHING PEEPS

Like | Dislike | Share | Posted: Thu, 03/20/2008 - 00:42 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

That's ok Nickel. If the company has been ok with you, then that's really good. :)

Like | Dislike | Share | Posted: Thu, 03/20/2008 - 05:14 | Post subject:

jbarto65's picture
jbarto65 | Joined: November 4, 2007 04:09 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

whatever you decide to do, continue to do your research until you have decided to make a commitment. Knowledge is power, goodluck.

Like | Dislike | Share | Posted: Mon, 04/07/2008 - 04:08 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was filling out an ap. for a personal loan and then something came up for this payday loan, when i found out what was going on i stop all info. and signed nothing, well in a few days a saw a 400.00 deposit in my account, no info. on were it came from, no e-mail stating funds deposited, no website info, no pay back info, " nothing" i did'nt no were the money came from. My back had to look into it for me. And the pay back for this was a mess to deal with.

Like | Dislike | Share | Posted: Sun, 07/13/2008 - 14:25 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

So, did you utilize the payday loan funds? and where did you apply for the personal loan? did you at all send an application to Loanpointusa?

Like | Dislike | Share | Posted: Sun, 07/13/2008 - 23:00 | Post subject:

enriko's picture
enriko | Joined: March 5, 2008 04:00 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My friend was using them and as far as i know it all went really well!
Sorry to hear that you were treated badly, i hope it will end up well for you.
Yeah do some research, call them and ask what is going on! Explain them your situation and if they are mistreating you- then file them and claim your money back.

Like | Dislike | Share | Posted: Tue, 07/29/2008 - 02:56 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

loanpointusa will not let me send them my money have original money order for date loan was due and nowhere to send it pleasde help they say i owe them 15oo.oo now when i had the 510.00 on due date there pissed cuz they cant get to my account what do i do to get my money to them

Like | Dislike | Share | Posted: Sun, 08/10/2008 - 14:51 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

welcome paula,

This is strange as in why don't they let you pay off the loan. Isn't that what a lender wants - to get back his money in due time? well i just have the feeling may be they're not accepting the payment right now so that later on they'll say you haven't paid and you have to pay late charges and stuff like that.

By the way, how are they stopping you? are they returning your payment? don't you have the address where you need to send the payment?

Like | Dislike | Share | Posted: Sun, 08/10/2008 - 22:03 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I summited my application already and they said that they will send the money from 24 to 48 Hors.Is almost the 48 hr and i didn't received nothing.I'm scared now.

Like | Dislike | Share | Posted: Sun, 08/24/2008 - 15:36 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome aidelin.

Why don't you contact the company directly and ask them the reason for being late to send the loan amount? loan point usa. Phone Number is 1-800-351-8820. Try it out and let me know if you have any further queries.

Like | Dislike | Share | Posted: Mon, 08/25/2008 - 04:47 | Post subject:

aidelin26's picture
aidelin26 | Joined: August 25, 2008 10:09 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I call them to that number they finally said today is the day .Thanks a lot :P .

Like | Dislike | Share | Posted: Mon, 08/25/2008 - 10:22 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome back aidelin.

Good to hear I can help you out. But pay the loan off on the payday and better stay away from this company as they don't have a very good raputation in the market. Let me know if you have any further queries.

Like | Dislike | Share | Posted: Tue, 08/26/2008 - 04:01 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks Niicss i will do that.If i have a problem sure i let you know.Thank you very much!!!!!

Like | Dislike | Share | Posted: Tue, 08/26/2008 - 17:31 | Post subject:

sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You're most welcome Aidelin. Do share your experiences with us here. And of course, try and pay off the loan at the right time. Also, check your account from time to time to verify that the company hasn't taken out extra money from your account. That's what I hear most of these payday loan companies doing. So, just be careful and let's hope things will be fine.

Take Care

Like | Dislike | Share | Posted: Wed, 08/27/2008 - 03:23 | Post subject:

vegas_storms's picture
vegas_storms | Joined: September 12, 2008 03:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

It's always a better idea to ask family and friends for referrals to a solid loan officer/lender then to ask if a company is any good online.

Like | Dislike | Share | Posted: Sat, 09/13/2008 - 02:45 | Post subject:

lisa.scherzer's picture
lisa.scherzer | Joined: January 4, 2008 08:48 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Never heard of them but that doesn't mean much. Just do research on them to find out if they have complaints through their governing agencies.

Like | Dislike | Share | Posted: Wed, 09/17/2008 - 00:24 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The same has happened to me. I was approved for $500. I agreed to the terms of debiting my checking account the following pay and they only took out $120. I tried called the representative, left messages and she nor anyone of customer service has called be back. Then the following week, the same thing, and so on. I'm being charged for a stop ACH from my back each pay period. And still no one from Loan Point has called me back. Who should I talk to and what should I do? After reading the post, I should file a complaint with Attorney General? This is crazy. Lesson learned!!!!

Like | Dislike | Share | Posted: Fri, 10/03/2008 - 16:55 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

You should better consult an attorney on this regard.

Sussane

Like | Dislike | Share | Posted: Sat, 10/11/2008 - 01:08 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi MAVARRY!

You are most welcome. It is always better to be careful and one should check the background of the lender before taking a loan. This will help you in saving your hard earned money as well as the harassment that some lenders cause.

Thanks,

Jerry

Like | Dislike | Share | Posted: Fri, 11/14/2008 - 02:31 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Now I'm scared. What if they mess up my checking account? They are charging me $150 for $500 that i am borrowing. Which i thought it was a lot but since I need the money, I said OKAY. I talked to them yesterday. I was suppose to sign the papers online but i haven't yet. I checked my checking account and they have not yet deposit the money. I guess I still have time to cancel. Thanks for the information.

Like | Dislike | Share | Posted: Thu, 11/13/2008 - 11:11 | Post subject:

jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi grich,

Thanks for sharing the information in the community forums. This will help a lot of people in resolving their issues with Loan Point USA.

Thanks

Like | Dislike | Share | Posted: Mon, 11/24/2008 - 22:48 | Post subject:

grich7388's picture
grich7388 | Joined: November 24, 2008 08:05 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Well I'll have to say if you're in dire straights and you've handled your acount to whatever point you could then you should try contacting Rebecca West there at "rwest@genevakc.com". If anyone in that organization can help you out its her. She's professional and has the authority to help you figure out how to solve your situation and seems more than willing to help. Contact them rather than avoid it and get it worked out. I did and was amazed at the outcome. :)

Like | Dislike | Share | Posted: Mon, 11/24/2008 - 08:09 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I HAVE HAD PAYDAY LOANS WITH THEM SEVERAL TIMES. I HAVE EVEN GOTTEN RAISES IN THE LOAN AMOUNT. DON'T BORROW IT IF YOU CAN'T PAY IT BACK. I HAVE LEARNED A TRICK OR TWO. I GET PAID BI-WEEKLY. I CAN CALL AND RENEW MY LOAN WITH THEM A WEEK AFTER I GET PAID AND THEY WILL GIVE ME THREE WEEKS TO REPAY IT. ALSO, AFTER THEY TAKE THEIR FINANCE CHARGE OUT OF MY ACCOUNT, I CAN GO TO WESTERN UNION AND PAY 13 DOLLARS AND WIRE THEM THE REST BEFORE MY NEXT PAYDAY TO AVOID PAYING FINANCE CHARGE A SECOND TIME. ALWAYS CALL AND ASK QUESTIONS BEFORE MAKING A PAYDAY LOAN. IF THERE IS NO WAY OF TALKING TO A LIVE PERSON, THEN DON'T BORROW THE MONEY. LOANPOINTUSA HAS BEEN A GOOD RESOURCE FOR CASH FOR ME. YES, THEY ARE THE SAME AS GENEVA ROTH.

Like | Dislike | Share | Posted: Mon, 12/15/2008 - 09:04 | Post subject:

jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi SONIARR,

Thanks you for sharing the information with the community. It will be helpful for a lot of people.

Jerry

Like | Dislike | Share | Posted: Tue, 12/16/2008 - 00:26 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I PAID THE WHOLE PAYMENT, THEN GEAVA ROTH TOOK AN ADDITIONAL PAYMENT. BUT I'VE NEVER HAD A LOAN WITH THEM. AND H OW COME YOU CAN GET ON LOANPOINTS WEBSITE?

Like | Dislike | Share | Posted: Fri, 12/19/2008 - 07:35 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome MZJONE,

If you haven't taken loan from Geneva Roth, then they are illegally debiting money from your account. You can file a complaint with the State Attorney General regarding this.

As far as LoanPointUSA is considered, their website is:
"http://www.loanpointusa.com/"

Like | Dislike | Share | Posted: Fri, 12/19/2008 - 23:47 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I obtained a loan from this company and it is the worst desicions I ever made .They have obtained from me more than 2,000 dollars and is money that I could use to feed my children. I have already payed them the initial 650.00 that caused en overdraft on my account, Be careful!

Like | Dislike | Share | Posted: Tue, 12/30/2008 - 13:08 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

well i got a loan and i hope they dont mess me up,because it will be some trouble.

Like | Dislike | Share | Posted: Mon, 01/26/2009 - 08:52 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I wish you good luck nette-p! Hope you have a good experience with them. Do post your experience in the community and let others know about your experience.

Like | Dislike | Share | Posted: Mon, 01/26/2009 - 22:18 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

does anyone know the site for setting up the payment arrangement with them,they gave me the wrong website address?

Like | Dislike | Share | Posted: Sat, 04/04/2009 - 15:49 | Post subject:

smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi cheri!

Welcome to forums!

You can get their contact details at "www.loanpointusa.com/ContactUs.aspx". You can contact them directly and set up a payment arrangement.

Sussane

Like | Dislike | Share | Posted: Sun, 04/05/2009 - 20:24 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

WHAT HAPPENS IF YOU CLOSE YOU BANK ACCOUNT AND DONT PAY THEM

Like | Dislike | Share | Posted: Fri, 04/17/2009 - 10:44 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

WHAT LEGAL OR ANY OTHER ACTIONS CAN THEY TAKE IF YOU CLOSE YOUR CHECKING ACCOUNT AND NOT PAYTHEM

Like | Dislike | Share | Posted: Sat, 04/18/2009 - 08:17 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i am closing my checking account not going to pay them

Like | Dislike | Share | Posted: Mon, 04/20/2009 - 10:55 | Post subject:

adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If you close the account and do not pay them off, they may take legal actions against you.

Like | Dislike | Share | Posted: Mon, 04/27/2009 - 01:18 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I REQUESTED A LOAN AND THEY SAID IT WAS APPROVED AND THEN IT DIDNT GO THROUGH SO CANCELLED RECEIVED THE REPLY FROM THEM CONFIRMING IT WAS CANCELLED AND STIPP PUT IT IN MY ACCOUNT WELL I CLOSED THE ACCOUNT AND OPEN A STATMENT SAVING LETS SEE WHAT HAPPENS

Like | Dislike | Share | Posted: Mon, 04/27/2009 - 08:48 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Baller - if the loan didn't go through, contact the company to ensure that they don't have record of it - the account info might have been incorrectly entered on the app, etc -

to those saying they are closing the accounts and not going to pay, PLEASE DON'T DO THIS. What you are doing constitutes as fraud and theft, and they will take legal action against you, including garnishment, leins on property, etc. If you ever apply for another payday loan, be aware that when they get your new account information they WILL debit your new accounts - because the contact you agreed to states they can and it is NOT illegal.

Contact them via phone and set up arrangments - they are very good at working with you and will do what it takes to get your loan paid off quickly.

Also - don't borrow if you do not completely understand what you are doing - READ the contract, TALK to them when they call you to confirm you understand and if anything happens CALL them because they will help you out!!!

Banks aren't lending money and used responsibly payday loans are a great way to get through a short term cash crisis. Don't blame the lender for your lack in consumer responsibility because it doesn't matter how many times you complain, they have the legal ground because you signed the contract.

GOod luck everyone.

Like | Dislike | Share | Posted: Tue, 06/23/2009 - 12:25 | Post subject:

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