CashNetUSA.com
Complaint 277978 Details

I was contacted on Monday September 30, 2013 stating that I was approved for a loan up to $5000 with no credit check. I accepted a loan for $3000 and was told that I needed to put a fully refundable $250 deposit on a Green Dot MoneyPak. I went to 7-eleven and purchased the card and called back Jennifer Johnson (with Indian accent)at 312-473-6994 to give her the Green Dot MoneyPak number. She took the info and said that someone from accounting would call me in 30-45 mins to verify my funds and finalize the paperwork. I got a call from Steven Martinez (Indian accent) 312-473-6009, stating that my paperwork had been signed by the Federal Trade Agent but a condition was put on my loan requiring an additional $300 deposit. When I stated that I didn't want to put an additional deposit and wanted to get the $250 deposit back, Steven informed me that there was a $200-210 processing fee for the loan. I asked to speak to someone about getting my deposit back. Steven referred me to Ryan Ford (emp ID 752018239, work id 8644)at 312-473-6012, the Federal Trade Agent, because the FTC was the agency that charges the cancellation fee. Ryan stated that he was with the FTC and he signed my papers authorizing the funds and that his department had nothing to do with the cancellation fees. He then assured me that if I put down the additional $300 he would make sure that the funds were transferred into my account as soon as possible. I decided to put the additional deposit down, because I desperately needed the loan. So I got the Green Dot MoneyPak for $300 and called Jennifer Johnson back with the info for the card (Steven wasn't answering his phone at this point). Jennifer stated she would call me back within 20 minutes and the money would be in my account within 30 minutes after she called me back. She never called back. I called her line and Steven's line until someone finally answered and stated that everyone was gone for the day, but someone would call me first thing in the morning. I called them at 7:30 am PST (9:30 CST). Jennifer Johnson was not available when I called and was told she would return my call when she arrived in the office. As soon as I hung up, Robert White (Indian accent), employee id KJ2010, called and stated that he was doing a random check of files and that the funds could not be transferred into my account until I took care of some outstanding taxes that I owed. I don't owe any taxes. When I asked him to send me documentation of these taxes he state that he wasn't sending me anything until I took care of the debt that I owed. He then stated that he was a federal employee and was authorized to help me make arrangements to take care of the $982 in taxes that I owed. When I questioned how he had that information because I never gave him my SS# he said that it was a confidential matter and that he could not verify any information over the phone. I then explained to him that if he in fact was a federal employee and had information regarding my taxes then it was standard practice to verify my SS# and address and to mail or email me verification of the information he was claiming that he had. He then asked if my zip code was 94610 and I told him it wasn't. He then verified my mailing address, which was correct. I then asked him to verify my SS# and he said he wasn't giving me any more information until I took care of my taxes that I owed and stated that since it is implied that I don't have the money to make arrangements that the loan would be cancelled and I would not get any of my money back. I then told him that I would file a complaint against his company and he said he was not an employee of CashNetUSA he was a federal employee and the manager of his department. He said for me to call my lawyer and file a lawsuit and that he would counter sue me and charge me with a felony offense and that I was not getting a refund of the deposit and hung up. I called back all of the numbers I had until someone answered. It was Ryan Ford. I asked for Jennifer Johnson and was told that she was on another call and then he said she wouldn't be in until after 1 pm. I then asked for Steven Martinez and he said I could call him on his direct line. Ryan then stated that he had my file and that all I needed to get the funds was to pay the wire transfer fee. I asked what that fee was and he said it would be $222.83. I informed him that I was not told about a wire transfer fee and he apologized for this and stated that he would assure the funds would be in my account after I paid the fee because he was the Senior Manager for the Accounting Department. I asked if he was the same Ryan Ford that I spoke with yesterday that told me he was a Federal Trade Agent? He said that I did speak with him but he is not a FTA, he is the Senior Manager. I asked if there was any notation on my file about the taxes that I supposedly owe, and he said "Oh you owe taxes? Don't worry about that, I will take care of you, all you have to do is pay the wire transfer fee and I will make sure you have your funds today." I stated I would call and talk to Mr. Martinez and Ms. Johnson and I would not be sending anymore money. I have been calling for over an hour now and my calls go directly to voice mail. I just called 312-473-6009 and a male answered. I asked if I was speaking with Steven Martinez, he said yes, I asked if I could have his employee ID, he said yes and then disconnected the call. When I called back it went right to voicemail.