Complaint Review: Rebuild Financial Services

Well just to start, I was applying for payday loans and got caught up in a circle of fill your information out and we will direct you to lender that can help you, every time I put my infomation in they would direct me to another directing service. So I stubled across rebuild.org, did my research on here and everywhere I could think of looking to see if it was a SCAM. I did not find anything on this company. So after talking with Paul Hainsley we put together my loan of $10,000.00. It was really good terms which of course make you think it is too good to be true, but every time I talked to him about being a scam I was reassured that it would be taken care of. They gave me 3 options for obtaining the loan. 1. put up collateral such as a house or vechile. 2. get a co-signer and have them put collatera. or 3. pay $645 for insurance for the loan. Of course after looking at my options what would you have picked? So I picked the $645. So Paul Hainsley sends me the loan papers which state everything we just talked about. Of course he doesn't send them to me som guy by the name of Danny Hendersonnn (RED FLAG) sends me the email with the attachment. So I procced to fill out the information and TRY to fax it back but after trying SEVERAL times I gave up and emailed it back. With a email stating if this is a scam please tell me now and maybe if this isn't a scam they should correct the spelling of financial in the contract and the person that is sending out the email should have 3 n's. So I proceed to keep talking to Paul Hainsley about it being a SCAM so in good faith he said he would take 1/2 off of the $645  last Friday (7/30). So I went to Western Union (RED FLAG) and sent $322.50 to Mark Sanders city of London ONT (ANOTHER RED FLAG). I was told to call Paul Hainsley back with the MTCN number and he will process my loan. He took my banking infomration and told me to call back in an hour if the funds had not been wired into my account. So an hour goes by and no money. So I call, of course I don't get to talk to Paul Hainsley I have to talk to a Jerk named Alex Cooper because he is now in charge of my loan. He states he needs the other half of the $645 to get the loan to go through. I thought, ok since it does state in my paperwork I can understand that. Of course needing that kind of money I didn't have the $322.50 until the next payday which brings me to today (8/6). So I call the number several times today to tripple check that there is NOTHING else I need to do and I get Mr. Beck, mind you the man will NOT give me his 1st name. So I go to the Western Union and do exactly as I do the 1st Friday. Send it to the same place and everything. So I call in to give my MTCN number and I get Mr. Beck (he is the only person that seems to be answering the phone at the moment) and he asks me how to spell my name and yada yada yada, after about 10 min this guy is starting to annoy me because he is asking me questions that should be right in front of him if he has a loan there for me. So he says call back in an hour if the funds are not deposited into your account. So an hour and 1/2 goes by (I am at work) and no funds. So I call the number and get Mr. Beck. He gets annoyed with me and says that it does take up to an hour for the person to recieve the funds. I said LIAR I can see on Western Union.com that they have been picked up. So he says call back in 1 and 1/2 we should have everything ready to go for you. So an hour and 1/2 goes by, no money, so I call and I get Mr. Beck, by this time I am so pissed that I did my homework, this place all checked out. But no, Mr. Beck tells me I need to send ANOTHER $350 today for this loan to be processed today. Supposedly since I sent it to Canada in 2 seperate payments that I am a terrorist. So I tell him, I have paperwork here (from his company) stating that I just had to pay the $645 and I would have my loan. He says that the insurance company can charge me on the back end and that is what they have decided to do. So I tell him I want my money back, he tells me it is going to be 52 days before I can get my money back, I said HELL NO I sent it western union, you can send it western union. He says call me back in 20 mins I will see what I can do. So I call back in 20 mins and be proceeds to argue with me to just send in the $350, I said of course you want me to send the money, then you would SCAM more money out of me. He says its not a scam and starts to be rude to me. So I ask for his manager, any customer service company has to have a manger right? He tells me look at the time, its Friday they are all gone, I said your in CA they all leave at 2:20pm he said no ma'm we opperate on EST. So then I ask for Paul Hainsley, he stated he wasn't there. So I asked for Alex Cooper and asked why I wasn't talking to him as he stated from the 1st set of money I sent in I would be dealing with him. Mr. Beck was rude and now wants me to either send more money or tell him I want my money back but they will not western union it to me he will send it and I MIGHT receive it on Tuesday. SCAM SCAM SCAM