My name is Alfred from Waianae, HI., I applied for a loan in the amount of $5,000 with Pinnacle Financial Corp. Around the beginning of June I was notified by a representative by the name of Margaret James she went on, on how I had qualified for the loan amount that I had requested and that if I was interested she could begin with the process and start faxing me paper work,
Well my wife and I talked about it and agreed to go ahead and further our interest with this company because we saw it as a resolution to our financial problems and we could handle the monthly payments that they were asking easier, then the bind we were already in, as the process neared the end we were asked to send $700.00 plus the western union fees $61.35 a total amount of $761.35 as a security deposit/show of good faith and we did that with money that was already accounted for toward our bills. This was only done because of the promises told by us that we would receive the money direct deposit into our account with in a 24-48 hour period and that was based on how fast WE did our part on paper work and sending the money.
So believe me when I tell you we hustled to make this work when the money promised did not show in our account we didn't think anything rite away but I did call Margaret James to find out the status of our loan,
After a few phone calls she did manage to answer the phone and explained to me that there was a problem with my credit and that the lender had done a secondary credit check on me and had found some problems that made the lender uncomfortable and that I would need to send another $761.35
So that everything would be o.K. And the funds (loan) would be released to our account,
This is when my wife was like something's wrong with this, but we also agreed on what was told to us because we knew our credit had some faults on it and like I had stated earlier we had already used monies that were accounted for and had nothing left so we were in quite a situation we needed the money in a few days to pay our obligations and if we refunded, it would take nearly a month for anything to be processed as it stated in the contract,
So we borrowed the money from family members that same day and that was also processed the same day Margaret James confirmed the transaction and sated You folks are going to have a great week end the money will be in your account in 12 hours. Well the week end came and went with nothing in the account
This is when all hell broke loose the stress level was just too high to handle at this point my wife and I were at each others throats bill collectors calling threats of electric/phone ect. Being turned off losing my truck you name it, it was a nightmare.
I called Margaret James and explained to her my situation she said she don't know why and that she would look into it. She doesn't return my calls but I continue to call every day when I finally manage to get someone on the phone, Anthony McCoy this idiot tries to talk rough and hard to me telling me to send another $761.35 and I should be good.in response I tell him NO I want my money back and this is what he said and I quote JUST SEND THE MONEY B*
At this point I am pissed off and the next thing I know there is another voice on the phone (Ron Klutcher) telling me that he apologizes for his employees actions and tells me do I want my refund you've come this far all were asking is another payment and your account will have the money I said NO he then tells me well ok process for your money takes a month and hangs up.
I waited till the end of July but no refund I then proceeded to call them again and who should take my call Anthony McCoy he proceeds to answer the phone like this HOLD THE DAM LINE and then Ron Klutcher comes on and says all your paper work for a refund has been processed and a check with the western union fees will be sent to you either by regular mail or express mail on AUGUST 04 so I stated so I should receive this in what another 20 days He states oh no sir with in a few days, and of course NOTHING and it is AUGUST 31
Since speaking with Ron Klutcher at the ending of July I have called numerous times left messages called different extension anything to get someone on the phone and did, so guess who it was again Mr. Professional Anthony McCoy I asked him the status of my refund he states in about 4 weeks, I replied what happen to August 04 he stated that they ran into some problems and the refund will take a little longer so I tell him be straight with me you talk like you're a tough guy are you ripping off or is this just a ploy because you all need time to screw everyone else too, well he hung up.
Since then the 1-866-598-3080 number is no longer accessible from my phone and my family and I are still struggling the worse point ever in our lives.
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