RainofCash
Reviews and Complaints

I gotta say, RainofCash is a total rip off. They keep taking money out of my account for something they call an "extension fee." It's $105 every time, and I've already paid them $700 on a loan that was only $300 to begin with. They say that's just for the extensions, and that I still owe them $497 for the original loan and finance charge. But get this - none of the money they've taken out of my account has even been applied to the loan! It's like they're just stealing from me.

Seriously, do not borrow from these people. They are terrible. If you need a loan, go to Plain Green Loans instead. They actually explain everything to you and don't try to scam you out of your hard-earned money. RainofCash is just a bunch of crooks.

I had a really bad experience with RainofCash. I needed some money urgently and decided to take out a loan with them. They promised that I would get the money the next business day, so I felt relieved. However, things didn't go as planned.

On the day I was supposed to receive the money, I talked to four different people from RainofCash. Each of them assured me that the money would be there by 5:30 pm. I waited patiently, but nothing happened. When I called them again, they told me that there was an error on their end and that the underwriter would fix it by midnight. I was frustrated, but I decided to wait until midnight.

Unfortunately, midnight came and went, and I still didn't receive the loan. Instead, I got hit with NSF fees, which made my financial situation even worse. I was really angry and disappointed with RainofCash. Their customer service was terrible, and I felt like they didn't care about my situation at all. I think their underwriters need more training, as they clearly don't know what they're doing.

To make matters worse, RainofCash claimed that I was a VIP customer, but I didn't feel like one at all. If this is how they treat their VIPs, I hate to think how they treat their regular customers. Overall, I would not recommend RainofCash to anyone who needs a loan quickly. They are unreliable, unprofessional, and their customer service is unacceptable.

So, I was checking out RainofCash and I saw that they had two options for payments. You could either have them automatically withdrawn or you could send in your payments. I chose to send in my payments and typed my name in the option I picked. But when I called them to complete the process, the guy I talked to said he needed to call my bank to verify my routing number. I was confused because I wasn't going to have them take my payments out, so I asked him why he needed to do that. He said that's just how they do things and that they use ACH. I told him that their own paperwork said I didn't have to do ACH, so they were false advertising. He didn't have an answer for that.

After that conversation, I realized why so many people were complaining about RainofCash continuing to take out money. It's because they gave them access to their account! So, if you're thinking about doing business with them, DON'T! Even if you choose to send in your payment, they will still get access to your account if you give them permission to call your bank to verify your routing number. So, don't give them permission!

If you do go through the whole process and get a loan, thinking you're going to send in your payment, be careful. They might still run the ACH and you could end up double-paying. And good luck getting that money back!

I'm so mad about this false advertising that I'm thinking about filing a complaint against them. I'll definitely be contacting the BBB to let them know what's going on. So, be warned and stay away from RainofCash!