Payday Express USA
Complaint 288374 Details

At 0646 am 21 Nov, was contacted by “Payday Express” (361-237-4338) about a loan (payday loan I had applied for) and wanted to see if I was still interested. I said yes I am, and the representative “Kevin Baker” went on to explain the procedure of their loan process and how much I could qualify for. He mentioned that they offer loans up to $3000. Considering my situation, I decided ok, I want to go ahead and continue with the loan. Applying for the full amount of $3000, my payments would be $215 per month for 15 months beginning 21 December and the 21st of each month until paid in full. To me that sounded doable and affordable. As the conversation got deeper, his accent sounded like he was from India a or Nigeria, but he squeezed that I needed to obtain a prepaid card (Green Dot, Money Pak) for my security deposit with his company in the amount of $200 and in turn, I will receive $3200 ($3000 initial loan and $200 that I originally sent) in my account from Bank of America within 45 minutes of submitting the $200 and that each month on my statements I will see Bank of America debiting my account for the installments of $215. When he told me that, I got hesitant and wanted to do more research on his company and as well as with the bank he kept mentioning that would be debiting my account. I called BoA and their representative in the fraud department “Kris” said they DO NOT OFFER PERSONAL LOANS and the only loans they offer is automobile, home and business. Then I said the gentlemen stated that her bank was the one that was going to be debiting my account. She informed me it was a scam and do not give them any information, but they had my information from a website that I initially applied for a loan saying they were not a lender. He gave me a Application number of 3303 and his website of paydayexpressusa.net I looked at that website and recognize that was one of the websites I visited to try and get a loan, but didn’t realize the fine print that the website I was on “WAS NOT A LENDER”. I called the gentlemen back and told him after researching his company and all the information he gave me that I was hesitant and think that this is a scam and I wanted ‘’LEGAL DOCUMENTS SHOWING HE IS A CREDITABLE COMPANY WITHIN THE UNITED STATES, AND NOT A SCAM ARTIST”. Still haven’t received the documents requested, but got another call around 0818 am saying that they sent me the documents I requested to my email address (which I haven’t gotten). Finally got the "legal document" from the company but still doesn't look legal enough. I am glad I didn't send them anything and I will report them to the FBI because as you all mention, they have our information already!