Complaint Review: American General Fiancé - Internet

These people are telling you that you are approved for these loans and for how much you are approved for. Then you discuss how much your monthly payments will be, you both agree on how long you want to finance the loan for, and at what interest rate. They give you your loan number, and then they tell you to go get these Green Dot Money Paks to either put your first months payment on, just to show that you are serious about your promise to repay the loan, because these are unsecured loans with no credit check, then they will have you scratch them off, give them the numbers and with in 15-20 minutes your loan will be transferred into your account.

They have you get these Green Dot Money Paks, because they are basically untraceable, they are not linked to any bank accounts, so there really is not a way for you to recover these monies. They direct you to go to the corner store like Walgreen, CVS or Walmart, because they want you to go where you are comfortable and familiar with the store you purchase these money Paks from, and you can only use cash for these money Paks along with paying for them usually around $3.95. Unfortunately hours later still waiting for your transfer they are calling you, telling you that they need another money pak, for one reason or another, your loan amount is for a substantial amount so they need x amount of dollars to secure the loan, usually this phone call is by someone else who claims to be from a different department, and he will tell you he has the final push, the system is holding him up, I believe at this time he told me he was Government loan Officer.

I told him, look I can not pull together any more monies, I already was victimized by another company who took every penny it had. I had given this current company just one money pak at this time and they had taken down the name of the first company that had scammed me, and the information for the money pak which made me more comfortable with them and made me less suspicious, because they made me think they were sympathetic to my situation and really wanted to help me,,,,LOL, jokes on me. This particular so called Government worker promised me that this would be the very last thing that will ask for, and he swears on the life of his family, on the life of his 2 small children that this would be it, and I will definitely get my money not if ands or butts.

I called all my friends and family, I asked everyone I could think of, I really need this loan, I will be able to give you your money right back, 30-45 minutes tops.  I found the help, I went and got the third card. Now for this company it was only two cards, the first card was with another company, and I had called my bank and had asked if they had ever heard of loan companies asking for these money Paks and I was told yes, she had just been made aware that they are asking for these and she had not heard of any issues what so ever, so I really and truly believed that I was dealing with genuine humans, especially when he swore on the life of his Children... I then gave him the card number and waited for 40 minutes before I even checked my account, I figured I would gives extra time, and we'll, it was not there.

I called and asked for this Government loan person, and we yet someone else came in the got on the phone, and low and behold, I need to go get another money pak because of the large dollar amount the system is asking for a tax on the loan, this way I will not have any trouble getting loan from this company in the future. Why did we have to think about a future loan when I can not even get through this one? What happen to the Government loan officer who gave me his word on the life of his children, he was suppose to be the last person who touched it, that was it no more? He was busy and could not talk, but this guy was the floor Supervisor. Don't worry ma'am we are not here to take your money, the computer is holding up your transfer, we want to help you for wad your patience, and we don't want to lose you as a customer, I asked him, would he be able to tell me will this be the last and final time, will I get my loan today, or are they no better than the first company?

I told him, I have no idea where I was gonna go, I begged, borrowed and sold my first born for the monies I have given already. I was suppose do had a loan by now, and all my monthly bills paid, and on My way to the grocery store to finally be able to by groceries for kids. He told me, yes this will be it, no more, you have my word. Well, I know, I am a fool for trusting people like this, but I would not take any kind of money from someone not even a dollor that was not mine, with out it being a gift, monies I earned for a job or something like that I could never take what is not mine, I guess because I can not think that way I have a hard time imagining other people can, and to do it to people who have small kids, OMG, no way.... I was able to scrap up for this very last time, I called this floor supervisor with the number, he told me just wait on the line,

I will verify the funds, and you will have the transfer, just a couple minutes tops...I waited, and waited, and waited, and waited, and he came on the line and told me they were having trouble with my bank, please stay on the line, so I picked up my husbands phone and I called my bank to ask them if they were having trouble getting their EFT's and they told me they had been getting them all day, he came back on and said, they don't know why but they could not get it to go to my bank. I asked him to send it to another bank, he told me it would cost me more money, well I could not contain myself anymore and asked him how he could live with himself and how could they do that poor families trying to do for their families, and just kept saying shame, shame, shame, shame, every time he tried to say something,

I would say, shame, shame, shame, he said I am not here to take your money, but you did, and you are, he said, they can not help it if they are having transmission problems, if I could just wait an hour or so, we should have the problem fixed.  They never sent the deposit, I called he said problem fixed,but they are behind, if you do not get it tonight 1st thing in morning. Well I waited until late afternoon, called to talk to supervisor and yet someone else got on phone and said he was from the IRS, NOT the actual company, and I owe taxes so they can not release my funds, unless I give them more money. I could only laugh at this point, and told him, with all my defendants, and my poor income, the government is always very generous with me at the end of the year, and my licensed account who has been doing my taxes for past 10 years who has been doing taxes for 40 years would never allow that to happen,

so he needs to think of something else to come up with, and that he could go ahead and set-up my refund of all my money cards, and when he talks to previous customer service reps, he should probably have his employee titles straight, because the very 1st day that I was working with the original loan officer, the same guy told me he was the loan officers supervisor, she told me, I will never get my money back, never, never, never, and hung the phone up on me.  I waited a couple hours to get my bearings, and called from someone else's phone, because, they must have caller ID, I asked for the supervisor, and told him about my previous hang up, and all I wanted was a loan, l am apparently not going to get, would just like my money back, and he needs to tell me why I don't get it,

because if would like the reasons so I can put it on the scam book.com website, and the BBB complaint web site, he told me, there is not a reason why, and he just got in, hold on......he came back on and said well just verify more money and we can release your funds, I said no more verifications, they have way more than I do, and I want my money back, the so called Government Loan Officer said, ok, we are done with you, I am rejecting your loan, and if you give us, $50.00 right now we will give you, your money back..... I have to now pay you for my actual money, he said yes, and we are giving you a break of $50.00...I said, well I don't have anymore, I did not have the last $300.00 I sent, there is no where else to get it,

I will just have to make sure that I put your names out there, so other people are made aware that you are a group of heartless, heartless people, who are victimizing innocent victims trying to take care of their families, he said its a shame I won't give him $50, so he can release my $500.00......So plz, plz, make consumers aware of these heartless, heartless creatures, so other down on their luck consumers don't lose every penny they have left in the world like my family and lose their credibility with their friends and family who they borrowed money from for these money Paks on the impression that they are gonna get these loans immediately and be able to pay them right back, and instead are so much worse off then they were when they got out of the bed that morning.