Complaint / review text:
We were trying to get a loan, and applied for several different loans. Our credit stinks and no one would help us. Two days later Larry Johnson called my husband and said he was approved for a 5000 dollar loan! We were floored, then the man told us we had to send a 985 dollar insurance premium.
We went ahead and told him to send us the contracts to see if they were legit. They had a business licensce a brokers number, and had no reports against them on the BBB. We thought that it was legit.
So the next day we sent him 985 dollars, but we had to send it to Jamila Peters in Canada. We thought that was odd but did it anyway, plus the 15 dollar Moneygram fee. We were desperate. The next day we still had no loan! Called them up and they asked us for 695 dollars for a brokers fee, like I said we were desperate, and sent that too (plus a 56 dollar Western Union Fee). Two days later we still had no loan. Called back, and Larry Johnson said that we also had to pay 350 dollars for a money changing fee, my husband asked why they couldn't take the money out of the loan they were funding. The woman had the audacity to ask my husband if that money should come out of there pocket. What is that? So, we asked for our money back.
They told us the money all 1775 dollars (the insurance money, the broker fee and the wire fees) would be sent back to us within 14-30 days. We still have not recieved our money back. That was three months ago. We have tried to call them every week to see where our money is, every week it is a new excuse, or it will be there on Friday.
We tried to call them today, and now there phone number is disconnected. We went to a JAG and they looked up Certified Lending on the BBB, there is now complaints against them from 5 different states. They also stated that Certified Lending has not funded a single loan. NOT ONE LOAN! Also, they say they run out of Minnesota, because in Canada it is illegal to fund loans with any up front fees! I hope that the American People and our Judicial system will not let this company get away with this FRAUD.