Complaint Review: Advance America Cash Advance

I am laid off and in the process of filing for disability.  I was shopping for loans and applied every where. I received phone calls and then an email from America Cash Advance USA saying I could get a peer to peer loan of $15,000 at 10% interest. I would have monthly payments of $300.00 for a 55 month term.

“Sebastian Taylor” went on saying that all I had to do was put $415 on an iTunes gift card or send it Moneygram to “Scott Bell”. This money “Sebastian” said was for “FDIC insurance and was refundable”.  

I spend almost hours on the phone throughout this whole process. Even speaking with “Sebastian’s ‘supervisor Edward’”. I was then told that I gave the wrong routing number with my checking number.  They went onto tell me they will make a deposit $1,176 into my account via US government & for me to send it back to them for the loan to go through.  No problem, right?  Except the check from the US government   is a fake per Wells Fargo (my bank).

I call back and they tell me to wait until Friday and it will be resolved.  Friday has come and gone.  I am out:  $426.50 (Moneygram - Loan “insurance”; $1,176 for the fake US Treasury check & OVER $300 in fees I incurred because of the aforementioned.

At this point I'm livid. I feel like a moron and now my debt is even bigger.  I just want my $1,906 back ASAP and for these people to be SHUT DOWN so they can't hurt anyone else!