US Cash Loans
Complaint 289591 Details

I applied for a $5K loan with a 24 month re-payment term. The representative, Stuart, asked me to prove I could pay the loan. Loan payments would be $225. He asked that I load $225 on a Vanilla Reload card and/or Moneypak card and call him with the number. This would be used to underwrite the loan. That was last Friday 11/22.

I was contacted again by Stuart [sounded Indian], and was advised that there would be fees associated with deducting the payment out of my account. Those fees over the course of the repayment would add up to $130. Stuart then needed me to go add more funds to another moneypak card and then I could speak with a Richard Crawl, Jr. He would complete the transaction when I called back. The loan did not go thru.

I called for two business days and no one answered; it went straight to voice mail. I called the following Wednesday, 11/27 and someone answered the phone and transferred me to Richard Crawl, Jr. Richard advised me someone from his accounting office tried to contact me (lie) because the funds were rejected.

I then spoke with Jeff Taylor who advised me that the funds were rejected because they were not a ABA institution. So then he offered to send me the money by Western Union or Moneygram. Knowing that Moneygram was cheaper, I asked him to send me the funds that way. He said he would be sending me the funds in 5 transactions of $1071 but the sending fees would be my responsibility.

I said that's fine, deduct it from the money I've already sent them. He advised that the money I sent them would be refunded to me along with the loan funds. I demand documentation from them and it took them over an hour to send them me. He said the documentation wasn't going to be sent to me until after the loan was funded but I told him he needed to send me the docs now. So he sends me the documentation, it speaks to the money I've already sent so he tells me the fees for the Moneygram are $210. I sent that money and they gave me 5 reference numbers. All of them were invalid. When I called back after calling 15 times, they answered the phone again. I was on hold for 10 minutes and then disconnected.