Check City Loan/Check City Loan.com
Complaint 253623 Details

I was contacted by a company, Check City Loan, on 06/13/13 stating that I was pre-apporved for a loan and that the amount of $1500.00 would be deposited into my checking account. I was told that the interest amount of the loan was 7% and the first payment would be due on 07/15/2013. The phone number that contacted me was 315-507-3116. I was told that before I could receive the money that I needed to purchase a Vanilla Reload Network card in the amount of 170.00 and the I needed to call and give them the pin number on the account to verify that I was able to make the monthly installment payment. I did this. I was then contacted by a second number 940-440-8478 from an individual representing himself as a Bank of America Loan officer. This individual told me that I needed to get a Vanilla Reload Network Card in the amount of 170.00 as well for a processing fee, and again to call and give him the pin number on the back after doing so and the money would be deposited in my account. I told him I had already purchased one and he stated that was for the company that was initiating the loan and had nothing to do with Bank of America. I purchased another card and gave him the pin number. I was starting to get suspicious that this was a scam, but I was informed that I could transfer the money to my debit card, that these were refundable fees. The money for the loan would appear in my account within the hour. Of course it did not. I called the agency on 06/14/2013 and conveyed that I felt I was being scammed and they assured me that I would get the money today 06/14/13. I was contacted again by the 940-440-8478 phone number and was told that the check was on his desk and ready to be deposited into my account that I just needed to get another Vanilla Reload Network Card in the amount of 160.00. I conveyed to the individual that I had already given them 340.00 and received nothing in return. He told me that those fees would be refunded in the amount I would receive in my bank account within the hour of me getting the Vanilla Reload Network Card. He stated that the 160.00 was for taxes. He even gave me a loan approval number, AEK8151, I was really frustrated that I had already spent 340.00, but he assured me that I would get all this money back so I got another 160.00 and called him with that and was told that the money would appear in my account within the hour, of course it was getting passed 5 on Friday and I continued to check my account and of course no money appeared in my account. I contacted the supplier of the Vanilla Reload Network Card to redeem the money that I had loaded on the cards as the individual told me I could. I was informed that the cards had already been redeemed. I realized at this point that I had been scammed. I called both numbers and left messages with them stating that I was aware that I had been scammed and would appreciate the return of my 500.00. I received a phone call on Monday 06/17/13 from the 315-507-6118 number stating that the loan was approved and I would receive 1900.00 into my checking account within the hour, but I needed to get 140.00 to finish the loan. I informed that I knew I had already been scammed for 500.00 and they were not getting any more money. The individual became very belligerent with me and stated that I had not paid one dime for this loan and if I didn't get the money in the next 20 minutes that the loan would not be processed. I told the gentleman that was fine as I already lost 500.00 that I could not afford and I was not going to give them any more money. i told him that he could speak with my attorney and I put my husband on the phone, the individual became belligerent and threatening with him and ultimately I just hung up the phone. I went to my bank to let them know of the scam and closed my checking account as these people had my account information. While at the bank taking care of this I received a phone call from another number 209-789-5800 stating that the loan was ready to process and I needed to get the 140.00, I informed that I was done with this and I knew it was a scam. I thought this was the end of this until I received a phone call this morning from the 315-507-6118 number stating that they were very sorry for the mix up and they wanted to make things right and that I would receive 2100.00 today on a Visa Gold Card. When I stated "All I have to do is go get a Vanilla Reload network Card for a 170.00, right?" He said "No, this is not going to cost you anything." He stated that I just need to activate the card and set up a pin number. He stated that I needed to do this in the next 20 minutes and call him with the pin number. He wanted to verify my information and he asked me to give him my social security number so that he could record it, I told him "No, I wasn't going to do this." He gave me a Green dot Gold Visa Card Number, expiration date and security card number. When I asked and how I would receive this today he informed me UPS. My best guess is that they get people to activate this card and then they take the money and try to collect on a loan that a person never took out or received any kind of money for. I hung up on him and my phone immediately started "blowing-up" with phone calls. I ignored them and the my phone indicated that I had a voice mail, when I check the voice mail it went on for about a minute just repeating "you (Inappropriate Content Removed), you (Inappropriate Content Removed)". I think that they are using the magic jack phone system and they are of Middle Eastern ethnicity and use generic names such as John Smith, James Morgan, John Matthews, Mark Henley, Michael Green, etc. I realize that I can probably kiss my money good-bye, but I want to get this out there so more innocent people aren't taken advantage of by these scammers.