USA Payday Loan
Complaint 340661 Details

I was contacted by a Johnny Abrahm from phone number 302-683-1097. He informed me I had been approved for a loan of $5,000 and that I had to provide $200 for processing " in accordance with government regulations." and after providing the loan would be in my account within 90 minutes. I was instructed to purchase a moneygram Xpress card, which was only sold at a store about 30 minutes from my home. I did so, called him and provided the 10 digit number on the card. I waited about two hours until he told me that due to my credit and the payment department I had to provide another $250 and again must be a moneygram xpress card. The next day I again drove 30 minutes to get the cards. After providing I did not hear back for hours, it was a Saturday and they were closed on Sunday. I finally heard back on Monday that there was a red flag under my name according to the legal department and to receive the funds and clear my name I had to pay $150, again a moneygram xpress card. At this point I began to cry. There had been so many back and forths, driving, I gave everything I had to them. I told Johnny that I would be using my phone bill money to remove the red flag, and was starting to become very suspicious but after he went on and on about the legal process and the supposed red flag I again purchased another moneygram Xpress card, drove 30 minutes etc. I was told within 1 hour the red flag would be cleared up and I would receive the funds. I was told I would be refunded for all of the upfront paying in addition to the loan fyi.
Here is where it gets even more interesting/absurd ; another day went by and I still had not received the loan. Johnny still was answering his phone and said that they could not for some reason put the money in my account and that they would have to use Western Union to provide me the funds, but they were not legally allowed to pay the western union fee and I had to pay the $100 fee which again had to be Moneygram Xpress card. I was beyond mad, I felt like I was possibly being scammed and expressed so but had come that far, so I AGAIN drove and provided the moneygram xpress card. He split the funds into two Western Unions of $2900, and $2550. He provided me with two 10 digit numbers. I went to a Western Union store and was told the numbers did not register. I called Western Union and was told the numbers did not generate and were false.
I realized at this point I had been scammed. I look back on the whole experience so angry at myself for not seeing it, but more so at this Johnny. In the many conversations where I expressed how I had invested everything I had in the loan and how I was trusting him, he came off so sympathetic and genuine, a true manipulator.
The story continues! I called my dad and explained everything to him, he called the number as did I and Johnny still answered saying that we needed to provide an additional $100 as for each western union $100 fee applies. Why was I not told that initially? Where did the fake numbers come from? He stated the payment department provided him the numbers. I refused to pay any more and stated I wanted my money refunded. He said it would be by Monday, 6/15. Of course it still has not been refunded. He even called yesterday stating if I provided a credit card he could put the loan money on it as well as the refund. Why would I ever give him or this corporation a credit card after all the lying? He assured me the money would be refunded in my checking account by 6/17 at 12pm. It has not been. Now when I call it goes straight to voicemail.
I asked for the business address, I have asked many times to speak with a supervisor and have never received a call back. I am looking for help/ guidance. I feel so taken advantage of. I hope this helps someone else from being duped like I was.