I waited on the phone with someone name Randy. He said I had to get two money gram cards from dollor general. One for the loan the other for insurance purpose. He kept coming to the phone saying wait 15 minutes. And I will be approved. Came back another 15 minutes saying I was approved because I had to pay 30 dollars for a red flag that's the only way I can get my loan. Then I asked to speak the manager again Randy was so rude he tells me the manager is gone. I asked what was the manager name he says manager.
I waited on the phone with someone name Randy. He said I had to get two money gram cards from dollor general. One for the loan the other for insurance purpose. He kept coming to the phone saying wait 15 minutes. And I will be approved. Came back another 15 minutes saying I was approved because I had to pay 30 dollars for a red flag that's the only way I can get my loan. Then I asked to speak the manager again Randy was so rude he tells me the manager is gone. I asked what was the manager name he says manager.
Read this:
"It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver."
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
If you or a friend need a loan, you really should read this:
http://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor
In fact, the more you need the money, the more urgent it is to read that information!
Protect yourself!
Recognize that NO legitimate company is going to offer you a loan, without their doing some background / credit checks on you, and they WILL generally need a snailmailed, signed contract.
If you or a friend fell for the scam, please try to educate your other friends. The only way to stop these scams is to cut off their source of money!
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Please reply to this post, to let us know you read it, or have taken suitable actions to protect yourself.
caller called, i asked what number are you calling, and they did not know, so i said can you please remove us..
"he said... you m**ther f***r" (he actually said that!)
This is why I am taking the time to write this, i can not believe someone working is able to just curse as they call to solicit whatever they are doing, hope you all have a great day!
Things to remember about loans offered by phone or e-mail: (Pay attention to item #4!)
Loans
1. No reputable lender will lend you money over the phone.
2. No reputable lender will lend you money by e-mail
3. On-line lenders are nothing more than conduits for another loan scam.
4. Advance fees for loans are always illegal. At least in most American states.
5. If you want to borrow money, go to an established brick and mortar lender that has been around awhile.
6. If you receive a call from someone with an Indian accent either a. threatening you or b. offering you something, you know it’s a scam and you should hang up immediately.
7. These people are predators, the calls are not random, they have information that they have bought from various sources and know your financial history. If you have ever taken out a pay-day loan, they have all your information. They know who they are calling. They like to pick on women, single mothers, the elderly and sometimes members of the immigrant community. Also, those who might be in financial difficulty.
8. Report them here: http://www.stopfraud.gov/report.html
9. And here: http://www.ic3.gov/default.aspx