Consumer complaint received 2022-08-04
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a loan from AmeriCash Loans in XXXX or XXXX in the amount of {$600.00}. The loan was paid in full, I requested that I receive an official letter which reflected my account was paid. After several requests sometime in XXXX through XXXX XXXX, I received a letter from AmeriCash Loans that my loan was paid in full. Additionally, a refund check was enclosed with this letter which had been issued to me by XXXX XXXX Bank for an amount under {$50.00} for account overages. I can not recall when however, I began to get mail mentioning I was being sued. Therefore, looked under the XXXX Courts Case Access website to find that litigation had been sought against me as of XXXX XXXX by AmeriCash Loans. I contacted the corporate offices of AmeriCash to speak with a manager/supervisor from corporate who notified me to contact XXXX XXXX XXXX XXXX XXXX offices XXXX There was no other information that could be given. To this day I have no paperwork to review concerning this claim. I contacted my financial institution XXXX XXXX to receive documents which reflected payments were made toward this loan until it was paid in full. The records for this account were archived, therefore I had to wait for the individual who could assist me to return to the office to acquire my financial documents. I called the law firm with the attempt to speak with someone and left my email. On XXXX XXXX, XXXX, I got an email from an individual who attached the XXXX of Hearing. That same date, I submitted my financial documents to the law firm and have not had any follow up since. 
During the proceeding I notified the commissioner there was an attempt to submit my evidence to the courts for review. However, I was turned away by the court clerk, but the documents had been received by the attorneys office via email and there has been no follow up. The commissioner stated the documents were not submitted in a timely fashion for the courts to review. So, judgment was granted in favor of the creditor. The commissioner explained, to work with the attorney which may lead to an alternative outcome, this attempt too has continued to be unsuccessful. Frustrated I sought out legal assistance from XXXX XXXX I reside in. Due to a shortage of legal aid, I was referred to an online legal service which advised me after review of the case there was a conflict regarding how the case was recorded. I Reopened the case, with the information given as of XXXX, XXXX this attempt to was not successful. I became sick and had fallen behind at work and had to allow the judgement to continue. As of XX/XX/XXXX I have satisfied the entire judgment totaling {$4100.00}. XXXX weeks before the final payment was made I received a letter titled : Earnings Garnishment Debtors Answers requesting an additional {$1900.00} amount be received. I again completed the form as required and sent it to the attorney on file to respond and this too has been unsuccessful. As of today, from a {$600.00} loan I borrowed I have paid {$7000.00} back. This includes the initial repayment for the loan, the judgment for garnishment that has taken place with lawyer fees included and they are now requesting additional funds to be retained. I have done all I can, the action they have placed against me is unethical, discriminatory, and predatory. I am at risk of loosing my vehicle, I have fallen behind on other expenses such as rent and medically this has taken a toll on me.

Company response to consumer: Closed with explanation