Financial Club International
Complaint 123574 Details

I received a phone call around May 28th from a company saying they were a financial service called Financial Club International, based out of California. They told me they had gotten me approved for a $10,000 loan, which I immediately found odd since no one else would approve me for $1,000, but she proceeded to tell me that due to my lack of credit and extremely low score, no banks would approve me so they had to go through private lenders. I had heard this before and never fell for it but this lady is an expert con! She said all I had to do was secure my loan with my first 3 payments up front until I make 6 consecutive payments, then I would get that back. I even called the FTC, Dept of Financial Services, everything, trying to find out if this was a scam. I couldn't get anyone to give me a straight answer! So I looked them up on the BBB and they aren't accredited but they are rated an "A" because they had been open for 20 years and haven't had any complaints in at least 3 years. So I decided to do it but for some reason they had to have me put it on a greendot moneypak, I knew better!!! But the BBB said they were ok and they haven't had any complaints so they couldn't be that bad, I thought. I sent it in and was supposed to have it within 6-12 hrs, I even had a contract that confirmed everything and what I was unsure of in contract, I had her confirm by email. By the time I sent it, it was about 8pm central time so she said I would still get it by noon the next day. When it wasn't there I emailed her and received and "automated message" in response that said she would be out until Monday and if I had any questions to call Robert Peterson at 1800-495-8308 ext. 3, he had been told all about my case. When I call the recording sounds just like her but it says that I'm calling Arrow Credit and Financial Services so I knew right then I had been got but I just didn't want to believe it. I talk to him and he said he hadn't gotten it until late the night before so hadn't had time to get to it and it would be monday. I call Monday and he tells me all I have to do is pay 10% of the insurance for my loan, which would be another $450!! I had been told, and had in confirmed by email, that their company was covering the insurance for it and all I had to pay was the deposit and I told him that but he wouldn't listen so I just cussed him and hung up. A few minutes later I was contacted by yet another!! financial service company saying they were the ones in charge of transferring the funds and they needed to know what to tell the lenders because they were waiting to pay, this guy was completely ignorant and gave himself away in the first 2 sentences, he was acting like a child and wouldn't let me speak when I tried to tell him what was going on, it was just ridiculous. I said some sweet things to him and hung up. Their name was Bannister Financial. If anyone is ever contacted by any of these companies, no matter how great the deal or how much they know, DO NOT FALL FOR IT!! I can't believe I was such an idiot! I even told her it was the very last dime I had and she still took it! Now I've been sitting here for a week without a dime and because of that $600 debt, I ended up getting in debt $1500. I just don't know what I'm going to do. I want them to pay... and get a real job that doesn't involve stealing from good, honest people!! They make me sick!!