Fidelity Cap Financing
Complaint 322463 Details

Was approached at the beginning of the month by a lady named Colleen Gallant from Fidelity Cap Financing, saying i could be approved for a loan of 15,000 Can, with low interest and payments of 270.00 per month for 72 months. I said I was interested,but she gave me options as to what i could do to get the ball rolling. I had 4 options, co-signer, car collateral,1500.00 one time insurance or 810.00 money collateral. As I was in financial hard ship and needed to pay off a few payments, i fell for it!! I told her I would take the 810.00 but couldn't pay until I Borrowed the money , she said to call her back once the payment was sent and she will send me the documents to review. Her number to contact her was 1-855-207-4489,ext 188- but when she called me she called from 1-888-525-5522.I sent the signed paper work back to her on april 14th. I called her back on wednesday and she gave me the info to make the 810.00 payment by western union, make it out to a lady named Christina Lee, put location, toronto, ontario. This was through a private lender apparently as my credit wasn't good enough to go to bank....no kidding, I wouldn't have done this otherwise!!!When I sent the money it was put on hold, this Colleen Gallant told me to call western union and tell them it was for personal and to let it go through!! Western union asked me a whole bunch of questions...if i knew this Christina Lee..for how long and what was the nature...I SHOULD'VE seen the red flags!!!At the end they let it through.I called Colleen Gallant back to say it went through, and she said I would expect the money in my bank through email transfer! Imagine my surprise when it didn't show up, I called her next day, and she informs me, she made a mistake, that they couldn't release the funds until i paid the insurance of another $1190.00, she negotiated a deal apparently for 1/2 as she felt bad for the screw up. I was upset about this as in the documents I signed. I asked about the insurance document, and she said not to worry about that. her excuse was she thought I was not a new client. I then went back to make a pymt at western union, to a new name Alicia Sandy ,because Christina Lee wasn't in the office. After that was done I called her back with the MTCN number. and she told me I would have the fnds by the end of the day , she put mine on priority! well I waited all day and still nothing!! I called continually to her local, she never answered! The next day I called again and again, by this time I was extremely angry and left messages at the "supposed customer service" and emailed the supposed legal department" no answer! I was finally able to get a hold of Colleen and she said I need to talk to a supervisor in "operations" in regards to my account and to release the funds. Next I was sent to "the supervisor, Heather Foster" (she had an english accent) she said the there was still a balance owing on the account and that is why the funds were not release????????????? She said I still owed 1250.00 for the insurance and that colleen had not authority to negotiate a rate!!! I asked her why she needed more money. I told her I had yo borrow it again, as I had no more to give. I told her that this was a scam..she convinced me again it was legit...(they are extremely convincing and good)she said it could take up to 14 business days to get my money back! I ask why was that so, when it only takes minutes to get theirs through western union, they should be able to do the same! She said the have to go through certain channels...could I borrow the money from someone even if its for a few hrs..I gave them my whole paycheck..and borrowed the rest,I had to let mortgage pymt bounce, so I was desperate to get the money. I was able to get it and sent ANOTHER western union made out to Alicia Sandy,omg how stupid can I be!!!! THIS Heather Foster, called to confirm and I said I sent it, and she said everything has been confirmed and I would definately have my money in a couple hrs...it is the next day..and still no money!!! I then started calling for the next 3 weeks but nobody would return my phone calls so I relized I have been scammed!!! I feel so sick, I got taken in...so not like me!!! I knew it wasn't right...I had a sick feeling!!! these people are good at this scam...now I'm out 3600.00 and not a penny to my name!!!I filed a Better Business Bureau complaint.But that is going nowhere either ,then I came upon this web site about scams.So I gave my info also.
Scott from Canada