Total Lending a Shady Payday Loan Company?

As we all know there are hundreds, if not thousands, of payday lenders out there. One of these is Total Lending. Many lenders have a decent reputation (with the exception of extremely high interest rates), but this company does not.

After a quick internet search for Total Lending, one will find that their customers' experiences are negative. By visiting sites like Debt Consolidation Care, one can discover that Total Lending has withdrawn unauthorized debits from accounts. Other sites like ripoffreport.com illustrate similar issues of unauthorized debits and instances of company representatives bullying customers into paying.

Some customers have apparently had a decent experience with Total Lending. However, other customers have had payments of roughly $60 withdrawn from their account for several months if not a year. During this time, the loan is not paid down - the balance sits there.

When customers try to contact Total Lending regarding any payment issues, they often have trouble. This has been expressed by some individuals on Yahoo Answers. Contact information is hard for customers to find. They cannot look at their statement to find contact information because there are no statements sent to customers. Also, customers have not been able to find much of a website for Total Lending. When you visit totallendinginc.com you see one and only page that only gives an address, phone number, fax number, and an email address. Is it any surprise that a lender of ill repute has an address in the Bahamas?

A customer even reported that they had a payment issue with an associated company, and was called by a representative from this associated company listed only as "gfsil" on their bank statements. This representative threatened the customer with bank fraud charges and an arrest warrant. The fraud charges and arrest warrant were bogus.