Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I took a {$300.00} XXXX XXXX  from Dave, with a repayment amount of {$310.00}. 
Every single time I have used XXXX in the past, the settlement window has always been XXXX days, and Dave has never changed that pattern. 

Without any notice or disclosure, Dave suddenly shortened my repayment period from XXXX days to only XXXX days, setting the due date to XX/XX/XXXX. 

I had no reason to expect a new settlement date, because XXXX has consistently used the same seven-day window in all of my past transactions. 



Unauthorized Early Withdrawal Before the new due date even arrived, XXXX took {$50.00} early from my Dave Checking account. 
This withdrawal was : Unauthorized, Undisclosed, and Contrary to their own historical repayment behavior with my account. 

After taking the {$50.00} early, Dave then attempted to demand the remaining full {$310.00} repayment on the same day, effectively creating a double-charge within XXXX settlement period. 



Deceptive Explanation From Support When I called Dave, a supervisor named XXXX claimed their system detected a second income source and that this supposedly caused the repayment date to change. 

This explanation is : Illogical, Unsupported by any policy, Never disclosed anywhere in the app, and A clear attempt to shift responsibility onto me for a change they made without notice. 

He refused to escalate the call to any XXXX. 



Predatory Fee Acceleration & Forced Repeat Borrowing Daves sudden reduction of my repayment window appears intentionally designed to accelerate their fee collection and push customers into repeat borrowing. 

By cutting my repayment from XXXX XXXX XXXX XXXX XXXXs : Dave forces me to pay the same {$16.00} fee XXXX days earlier. 
This effectively raises the cost of borrowing and increases the annualized fee rate. 
The early withdrawal drained my account faster and created immediate financial hardship. 
This hardship forced me to take another XXXX XXXX  sooner, generating another {$10.00} {$16.00} fee for XXXX. 

In addition, the replacement advance Dave offered also has a shortened repayment window ending on XXXX, not the full XXXX days I have always received. 

This shows a pattern : Dave manipulates settlement dates to cycle borrowers into back-to-back fees. 

This is not an accident it is a repeat-borrowing revenue model disguised as a due date adjustment. 



Why This Violates CFPB Standards Daves conduct is : Unfair : It causes unavoidable consumer harm through early withdrawals and shortened repayment windows. 
Deceptive : They changed repayment terms without disclosure and gave false explanations about income detection. 
Abusive : They exploited trust in their consistent XXXX history to force accelerated fees and repeat borrowing. 



Harm I Suffered Loss of the early {$50.00} withdrawal Financial hardship from the sudden XXXX repayment requirement Forced repeat borrowing due to account depletion Emotional distress and wasted time dealing with deceptive support responses

Company response to consumer: Closed with explanation