Complaint Review: Enhanced Lending Services

On Monday, Aug 20th, I signed up for many loans. On Wednesday, Aug 22nd,
I founded out that Enhanced Lending Services approved me for a loan of $5000. Excitedly, I called that same night, left a message, and waited for the next day.

On Thursday, August 23rd, I called loan officer Vanessa McCoy and we talked about the company and the programs they offer. She was very friendly and explained to me that I had until Aug 31st to complete the paperwork. She Talked about the programs for my particular case.

She told me a deposit of $511.14 will secure my loan and she also told me that a deposit of $600.00 will assure my loan. In other words, if I send a deposit of $511.14, the lender won't recieve the 1st payment in 4 months therefore, the lender won't know if they will recieve their money. If I send $600.00, the lender will feel more confident that they will receive their money and it will be reported to the credit beareau.

She asked me if I had access to an computer I said yes but don't have a printer to print out the contract. We agreed that faxing was best but I had to use the fax machine in staples. She faxed me only the documents I needed to sign to complete the paperwork.

On Friday, Aug 24th, I faxed her back the documents and sent her a deposit of only $400. I sent her this because I had $535 saved and she was willing to take it because it was most of the deposit. I made the deposit in the same account that I made previous payment arrangements with creditors and money was deducted.

The other $35 went towards the western union fee. I faxed a copy of my social security card, a copy of my paystub, a copy of a voided check, a copy of my new york state id, and a copy of my bank statement to Ms McCoy. She told me to send th money to Mary Anne Rustenburg in New York, NY. I called her back and gave her the confirmation number and she told me that everything was straight and that my money will be deposited into my account on Saturday at 2:38pm.

On Saturday morning I became really sick and on my way to work I've decided to go back home. I called Ms McCoy because she told me to call her to make sure my funds were entered into my account correctly. I told her that I was going to be home but I'll have my mother escort me to the check cashing center to send her the remaining $200 by western union as agreed.

I called telephone banking at 2:40pm, no funds. I went to the atm, no funds. Checked one more time, no funds.

I called Ms McCoy to inform her of what's going on and she told me that that's odd. She told me that the funds should be in my account. She told me to call her in a half an hour while she go to the loan department to see what's going on.

I called back and she told me that they send the money already and it should be available Monday and told me to call her. On Monday, no funds and hard to contact Ms McCoy. Tuesday, no Ms McCoy. Wednesday Aug 29th I've decided to go to the address imprinted on the contract and on website and founded out that there was no company or employee by that name in the building or in their system. I now see why.

She took my money leaving me hopeless, upset and unpaid bills to pay. I just learned that one of my accounts were charged off because I missed an scheduled payment. I thought that if I recieved the money I can pay everything at once and pay one affordable money payment. I made my final calls to Ms McCoy and I've came across this site. I realized that I wasn't
alone. I feel sorry for her because she is going to live with that for the rest of her life. I feel good for myself because I've learned early on about the dangers of fraud. I'm not worried about the money, I'm worried about my identity. Some I can change some, no. I hope you find everyone involved. I pray everything works out. If I could be present I would be happy. Justice needs to be served and many need to be informed. Thank you for your time.

Jen
New York, New York
U.S.A.

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