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I took out a $1000 loan in April 2019, before I accepted the loan I chose a nine month term to pay it off. It displayed an installment amount of $195.08 which I knew I could handle for nine months and then be done.

It wasn't until after my loan was approved and they sent me my loan documents (which had not been made available BEFORE I accepted, I now saw they planned to withdraw $195.08 every two weeks from me, not once a month like they spelled out during the finalization process. I immediately asked for this to be changed or my loan term extended within only a day of having the loan and reminded them they had not been transparent with my loan documents, and was basically told tough cookies they're taking what they want to take out of me. The payments have literally put me on the brink of eviction from my apartment and repossession on my car because they're taking $400 a month from me with no end in sight. I did extensive research and found out that although this type of loan is allowed in my state of New Hampshire, interested is capped at 36% I let them know this twice and requested to settle, that I would pay for the principal and 36% interest only, nothing more, and certainly not 20 payments of $195.08 on a $1000 loan.

Both times I reached out I have been ignored. Granted both times I reached out were through their email (that promises to be responded to within 48 hours but never does) because I was advised to have a paper trail to use if I need to escalate to my attourney general and the banking commission.

Do yourself a favor and run from this company, if you get their flyers in the mail, burn them. I don't care how tough of a spot you are in, never go to this company for a loan!

On July 26 2019 AWL withdrew 2 monthly amount of 481.36 I contacted AWL about the withdrawal. Everyone I talked too was very apologetic and stated we will take care of this on the 27 July it is now the 31st and they are still taking care of it. I now have to pay late fees on my account

Albert Crawford

I took out a loan with AWL in April and paid it off in July. It was a for $1500 payments of around $400 per month 12 month term and I paid it off 8 months early and after I paid it off I paid AWL a total of around $2800.

There is a statement in my loan agreement that says "prepayment: if you pay the loan early you will not be subject to a penalty and you may be entitled to a refund of part of the finance charge." I paid my loan 8 months early and my finance charge was over $3600. I contacted AWL and spoke to multiple people who said I can't get a refund. When I asked why they said because i only get a refund if I overpay. I explained that the statement in the loan agreement doesnt say that and they all asked me where in my loan agreement am i seeing that statement.

I had to explain to the representatives where to find a statement in their own loan agreement paperwork!? I filed a complaint with the BBB and i spoke to a resolution specialist with AWL who told me the same thing and again asked where I was reading that statement. She told me she would look into it for me and call me back. That was a week ago....

and not only that but AWL responded to my BBB complaint by saying they never got a hold of me. I spoke to them on 7/22 and the next day is when i received their response to my BBB complaint about never speaking to me. I did put in my BBB that i spoke to the representative and the time I spoke to her as well and AWL never responded after that and the representative still hasnt called me back. I emailed AWL customer service and still nothing.

I have been doing a lot of research and based on what I found it says AWL is illegal in PA which is where I live and I have been told that I actually didn't even have to pay as much as I did because they arent legal in PA. My interest rate was over 300% and based on that statement in my loan agreement i am requesting a refund of only $800. The $800 is the difference between what I paid to AWL and my finance charge. I'm not asking for all of the interest that i paid to AWL, just a refund of part of what I paid based on the statement in my loan agreement, and also there is nothing in my loan agreement that disqualifies me from a receiving a refund of part of my finance charge.

I am upset that AWL hasnt called me back, and that they lied by saying they never got a hold of me, and that everytime i talk to them they tell me that what I'm reading doesn't mean what it says.

They all keep telling me its just that I dont have to pay the remaining finance charge or that i dont get a refund because i didn't overpay. That statement specifically states prepayment and uses the words pay early and refund of part of the finance charge which is all I am asking for.

You absolutely saved me from A LOT of stress. I keep receiving offers to take out a loan and at one point considered it but wanted to do research.

Reading the reviews lets me know this isn't a good fit for me.

Sounds like loan sharks!!! Thank God for reviews.

I was told everybody left for today

I recently took out a loan for $400 because I have fallen on hard times. When I read the application, I was told I’ll be 6 payments of $58.76 to pay it off.

When I downloaded the app and looked at the agreement, it stated that I had a 580% interest rate and I would be paying back well over $1500 for a $400 loan which is ridiculous. Don’t get a loan from them, they are scammers.

They lie to you about your payments being twice a month and don’t try and fix it for you. They charge you 600 percent interest which is a rip off. My $700 dollar loan they are charging me 450 a month for 9 months ridiculous and the way they did it was very sneaky not to mention illegal to charge that much interest!!!

I am wanting to pay off a loan completely but the only way they will let me pay it off is to give them my bank account information or use a Green Dot card. I am willing to send a money order to an address but they refuse to allow this option.

I am not sending my bank account to them because I don't trust they won't then take more money out of my account instead of letting me pay it off.

I have gone round and round with them to no avail. I now believe it might be easier dealing with a collection agency.

They want to run up the interest while I just want to pay the loan in full.

took a loan out for my pet surgery, first couple of payment fine then they started posting to my bank 3 days early which earn me a 36.00 dollar overdraft, call them they told me i made the mistake lol, so now when it post to my bank acct early my bank returns it , i have talk to 4 people there they say it's recorded line fine i have been recording them also they have lied and said this will be corrected ha ha it has not so i have brought my recording to my states attny. general office and will be waiting for them to not let them do bussiness in Minnesota

AWL is a terrible option for people in need, instead of helping, they just cause more harm !!! I was aware of the terrible loan i was getting into and i cant balme them for that part, i needed cash and agreed to the aweful interest rate they offered, knowing i was going to pay it back early.

This is where i had issues with this company !!! They push you to download their app and use it to make extra payments, then when you try to, it never works. It tells you that you are to close to your regularly scheduled payment date. I waited till my regularly scheduled payment of $94 dollars was taken from my bank account on Friday May 3rd, 2019, then tried several times that day to make the payoff of $803 dollars, with no success.

Again on Saturday, i went on the app to try again, the payoff was now $816 & i received the same message not allowing me to make the payoff, to close to my scheduled payment date. So then i tried their website, it also wouldnt allow me to make the payoff of $816, no reason given, it just wouldnt accept it. Finally i was able to schedule an $800 payment on the website, but it made me use the date of Tuesday, 5/7/19 which increased the payoff ammount yet again. So i was finally able to contact AWL by phone today and i attempted to settle my account for the payoff ammount of the $803 that it was when i originally tried the entire day to make the payoff and was rudely told i couldnt and that the amount went up once again to $868.

So basically i am expected/forced to pay an additional $65 dollars for their faulty app and website or the loan wont be closed and will continue to accrue interest. All told, in 4 weeks i made four $94 dollar payments on a $800 dollar loan and i still owe $868 now......stay away from these Blood Sucking Thieves !!!!

I paid my loan off in Feb.2019 and there was another payment of $159.08 taken from my account. I've have talked to several people and tried to get this resolved. I am sending my bank info in hopes of resolving this issue.

Statement Date: Enclosures: Account No.: Page: 300******( 1)(1)04/15/2019 1

CHOICE CHECKING SUMMARY Type : Status : **TRNC Active Category Number Amount Balance Forward From 03/15/19 27.61 Debits 1 650.00 Automatic Withdrawals 1 159.08 Automatic Deposits 1 1,111.52+ Card Activity 13 325.51 Ending Balance On 04/15/19 4.54 Average Balance (Ledger) 69.39+

Direct Inquiries About Electronic Entries To: Phone: (270) 982 - ****

ALL CREDIT ACTIVITY

Date Description Amount 03/25/19 ANTELOPE FLATS, PAYROLL 1,111.52

ELECTRONIC DEBITS Date Description Amount 03/18/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/18/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 9.99 03/25/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/26/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/26/19 AWL877860**** DEBIT 159.08 03/27/19 VSA PUR GOOGLE BUFFALOSTUDIOS G.CO HELPPAY CA 2.99 03/28/19 PUR WAL-MART 0709 ELIZABETHTOWN KY 84.48 03/28/19 VSA PUR COXS SMOKERS OUTLET - MOUNT WASHING KY 53.11 03/29/19 VSA PMT DB TWC TIMEWARNERCABLE 513-469-**** OH 129.75 04/01/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 04/01/19 VSA PUR CHICK-FIL-A 02500 LOUISVILLE KY 24.26

Continued 04/3007/1

Statement Date: Enclosures: Account No.: Page: 300******( 1)(1)04/15/2019 2

CHECKS AND OTHER DEBITS * indicates a gap in the check numbers Date Check # Amount Date Check # Amount Date Check # Amount 03/26/19 650.00

DAILY BALANCE SUMMARY Beginning Ledger Balance on 03/15/19 was 27.61 Date Balance Date Balance Date Balance 03/18/19 21.63 03/19/19 5.66 03/25/19 1,114.19 03/26/19 302.12 03/27/19 299.13 03/28/19 161.54 03/29/19 31.79 04/01/19 4.54

COLLECTED BALANCE SUMMARY Beginning Ledger Balance on 03/15/19 was 27.61 Date Balance Date Balance Date Balance 03/18/19 21.63 03/19/19 5.66 03/25/19 1,114.19 03/26/19 302.12 03/27/19 299.13 03/28/19 161.54 03/29/19 31.79 04/01/19 4.54

OVERDRAFT FEE SUMMARY Total For This Period Total Year-To-Date Total Overdraft Fees $0.00 $0.00 Total Returned Item Fees $0.00 $160.00

This Statement Cycle Reflects 31 Days

Three hundred dollars was deposited by wire transfer into an inactive checking account. I did not apply for a loan.

Called my bank. There directed me to AWL for resolution.

Called twice. No reply

I cannot believe I fell for this scam. You take advantage of people in every horrible way.

Borrowed $600 paying back over $1500.......I have already paid back $1079.00 with 5 more payments. I am so embarrassed that I didn't read the fin print. This should be out lawed. My husband has lost his job and this makes me want to cry.

I am paying $134.95 every other week. I am so upset.

I understand that I would pay more interest but really? This is like a legalized loan shark.

C Johnson

I recently took a 2000.00 loan knowing I would repay quickly. I saws the interest rate was excessively high but was in a tough spot.

After 7 payments I paid in full ~1862.00 (on a 1670.68 balance) which meant that of the 7 payments I made very little went to principle. In fact two of the payments were recorded as interest only. I expected an adjustment when paying in full that would change the interest rate and give me a refund of overpayment.

There was none though the contract says there could be if paying off early. paying off with 11 payments left...