These folks tried to tell me I qualified for the loan I had applied for up to 10,000. I did not apply for any loan.I asked them the name of their company and the connection was so bad and there was so much background noise (call center) I could not understand what the gal was saying. I asked her three times, she got annoyed and wanted to know if I wanted the loan or not.
DO not trust Monny Loans. Do not give them any information. My wife applied for a personal loan and got a call back from Monny Loans. We almost fell for it. They kept asking for the user name and password to my bank account so they could make a small deposit to verify the account was ours. I did not give them my id or password but they did have my routing number and bank account info as well as my wifes ss from a bogus application we filled out for them. somehow they contacted my bank and disputed a 500 dollar atm withdrawal that i had made. The bank credited my account with 500 dollars pending an investigation.If they investigated the account and found the withdrawal to be legit they would reverse the credit. Monny loans then asked me to go to the atm and withdraw the 500 to verify that it was my account and provide them with the transaction id. I went to the atm and picked up an old receipt from the floor and provided them with that transaction ID . They told me perfect and that my account had been confirmed with that transaction ID. They then asked me to go to CVS and obtain a one vanilla card for 480 and to provide them the number so they could reimburse the verification department and that then they would deposit 5000 into my account.I provided them a number for an old card my son had gotten for his birthday, they then asked me if I had added money to the card because it showed no funds available. It was at this time that I confronted them and let them know they were scum and were the lowest possible life form on earth.
The problem is twofold. First, they have your banking information and can make a withdrawal anytime they feel like it. Second they have your wife's SS#. So you need to have the bank change your account. You also need to do the following:
If you feel you SSN has been compromised, in addition to putting a fraud alert at the 3 credit bureaus, you may want to notify the IRS. Here is the link, fill out the proper form (probably 14039):
http://www.irs.gov/Individuals/How-Do-You-Rep ... aud-Activity%3F