My Payday Advance has something that all tribal loan companies have, and that common thread is online complaints. The only Native American lenders that do not have any complaints are those that are brand new, like a brand new outfit like Kashia Lending. But once a tribal loan shop has been open for more than six months then the odds of finding online complaints jumps considerably. My Payday Advance is no different, there are a number of complaints out there.
Below are a few of the complaints that were easily found with a simple search...
I send an email to My Payday Advance on a Saturday and let them know that an email was being sent to the company. For personal reasons I had to close my checking account and that I would call them on September 26 with new payment information. My repayment was due on Sunday September 25th but I already knew the company would try to take it out on Monday.
On that Monday I couldn't get my checking balance online so I planned to call and request my balance, then count my money and call the lender back.
So I called the customer service number and instead a collection agent answered. I requested the balance, she gave it to me, then it got quiet for a few seconds and I told her thanks so much and hung up the phone.
Just a few minutes later I was counting my money at home and the same agent called me back and threatened that she will be adding more fees to my balance because I had been rude to her.
I told her that I was not rude to her, that I told her thank you and then that was the end of the call so I hung up. She insisted on her version of the story and kept repeating that until she hung up on me. I then made the decision that I will call the same number to see if I could get a different agent and talk about what she had said since I didn't think it was right. But with my bad luck I got the same unhappy agent again, and I then asked to speak to her supervisor. She claimed that she was the supervisor working at that time and I hung up since I knew that this wasn't going to go anywhre.
Then I decided to send an email to [email protected] since it was on a loan email receipt that I had received with the My Payday Advance name and I also contacted the customer care email at My Payday Advance. I used both email addresses to voice my complaint. The complaint that I wrote contained all the details about how I was treated and threatened.
Someone from one of the two companies called me at around 2pm. She was friendly but she only provided me with the paying information and she never even apologized about the other bad agent that had been so rude to me.
I inquired if the balance was the same on her screen and if there were going to be any added fees like the mean agent had said and she said no that my balance was unchanged from the day before. The thing is I was really happy to get the loan and with the terms of the loan, and how I was treated by the customer service team when I originally got the loan. But I wasn't too pleased with the repayments, but at the same time it did help me in those hard times.
In the end I am most unhappy about the agent that called me and was abruptly mad at me and said out of nowhere that I would be looking at some added fees because I was supposedly rude to her? She was the one that was rude to me and I felt like I was talking to some angry teenager. I informed the last agent, which was the nice one, that I would call on Tuesday morning with my debit card information.
With customer care members like that, how can you afford to trust them and it also makes you wonder how they stay in business. I have no plans of using this lender anymore, I just do not trust this company because they think it's alright to have a rude representative answering the phone and talking down to customers. It's good that my contact info has now been changed and so has my account number with them. No apology and no response about the rudeness, I just don't get how this happens without any mention. They should save their anger for the people that don't bother calling or making repayment arrangements, not be angry at the people who are actually working with them on repaying the debt.They should be glad that I called them and planned to pay and worry about the people that don't call.
Alright so that review makes a lot of sense and it confirms what I personally think is going on at these tribal payday loan shops, which is that the customer service teams just live in a state of constant frustration. And wouldn't you as well?
You have a company issuing extremely high interest loans and then of course there are going to be customers who are falling behind, trying to move repayment dates or just stop paying altogether. And all of those problems fall to the employees of these loan shops, like My Payday Advance, to try to hustle, negotiate, cajole, plead and demand repayment from these people who are in bad financial shape.
Let's just remove any ambiguity here, this type of job will start to break anyone down and that's most likely why this particular customer went through the awkward and inappropriate encounter with the customer service rep.
It's a small thing but yet this is just another sign of why I don't want to be involved with or be a customer of these tribal payday lenders. My Payday Advance is not as relaxed or flexible as many other Native American loan shops, and that's why I have my list of other lenders. The big five tribal lenders that I like right now are Plain Green Loans, Spotloan, Clear Creek Lending, Great Plains Lending and the last is not least, in fact it's the best, Mobiloans.
I just don't understand why people are customers of My Payday Advance when there are superior tribal loan options that are just as easy to qualify for as the My Payday Advance loans? It's most likely because people don't know they exist. Well, now you do.
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