I took out a $400 dollar loan with U. S. Fast Cash. I made three payments of $120. Before I made the fourth payment, contacted USFC to find out my balance. They said my balance was still $400. I ask where did my three payment go to. She said it was a processing fee to carry my $400 dollar loan to my next pay period. They also went on to say if I wanted to pay my loan down, I would need to email them with the amount I would be willing to pay. This amount would be plus the $120 processing fee. I was HEATED that U. S. Fast Cash did not make this procedure clear.



In the State of Nevada, its the law that all pay day, fast cash loan type company must make the A.P.R. clear, not hidden in the small print of the loan documents. This is a scam.



I agreed to pay $220 my next pay day. For some reason unknown to me, USFC stop withdrawing my payment from my checking account like they did for the prior payments. I contacted them to find out why they stopped, but the call center operator could not give me an answer and she said my account is in the Review Department. I ask if should would transfer my call to the Review Department. She said no, I could only fax or email.



I sent them a fax requesting an explanation. I didnt get a response back for weeks. I later received a call from the U. S. Fast Cash Collection Department. They ask when will I be able to pay my loan in the amount of $520. I ask how did my loan get to $520, when I made three payments and the original loan was for $400. He advised me that it was interest and processing fees added to my loan. I then ask why didnt USFC take the $220 out of my account when I agreed. He could not give me an answer and continued to ask for the $520. I told him his company is a scam and I was going to report them to Nevada State Attorney General.



I contacted NSAG and they advised me to send them a letter to get everything in writing. I contacted U.S. Fast Cash and ask for a physical address and a mailing address so I could send legal documents. They would not give me this information. After calling several times, I tricked the Call Center operator in to giving me an address. She gave me an address in Miami, OK. I then called USFC again to get a owners name to serve him/her legal documents. A Floor Supervisor who identified himself as Anthony, said he could not give me any information on the owner and said he would get back to me. He called an hour later and said he could take off $30 of my loan, but he would not give me the information I original requested.



I called back several times, but the phone rang and went to a busy signal. I contacted the Miami Police Department to find out if the address the call center operator gave is correct. They said its an address on the Miami Nation Enterprise Indian Reservation, OK. I told her my problem and she advised me to contact the Ottawa County Sheriff office.



I contacted them and they agreed to deliver any legal documents to the address. They advised me the physical address is (3531 P Street, NW. Miami, OK. 74355). They are not sure if U.S. Fast Cash is the business name and they may use another name. I was advise to send a letter to this address to start legal action. I faxed and emailed the following request:

U. S. Fast Cash:

P. O. Box 111

Miami, OK. 74355

Re: Application #1925821846

Dear Sir,

Please fax or e-mail the following documents:

1) Original application.

2) Your company mailing address (physical address)

3) Your business license name & number, including the state of issuance.

4) Terms and Condition of loan.

5) Amount due to U. S. Fast Cash.

6) Amount paid to U.S. Fast Cash.

7) Amount of loan.

Please provide me with this information nlt MAY 20, 2011.

Thanks for your immediate attention in this matter,

cc: Nevada State Attorney General