I applied on May 19 on line for an advance loan. The site that I went to was a site that sent my information to multiple lenders. I was shortly contacted by to lenders at work, informing me that I was approved for $300.00. At that time I had decided to choose another route for my finances. On June 6, i accessed my bank account and noticed that there was a debit for $90.00 pending, to CMG Group LLC. I scrolled down and realized that on 05/20 a credit to my account was placed by this same company. I contacted them to find out what happened, I knew that I had applied last month for a cash advance but decided not to follow through with it. I left a message with the number that was provided on my bank statement for CMG. Yolanda, returned the call shortly. I explained to her that yes around that time I did apply for a loan but I two lenders that had called me. She stated according to their records that they called my job, and someone was told that I was on another line. They then proceeded to call my home and was greeted by my 12 year old son, who was given a message, for me to call them. I never received that message. Yolanda, informed that I was sent an email telling me of the terms and that the loan was approved and would be deposited into my account. I personally receive spam daily about advance payday loans so, if I no longer needed that type of service how would I have been able to decipher and email from a payday company that informed me that the money was deposited into my account.
I explained to Yolanda that I never agreed to the terms of their loan even though I applied, my information was sent to multiple lenders and that had different terms for their loans. My understanding by selecting the accept button, to tems and conditions of this application. That was exactly that an application. Not a borrowers agreement. I cann't accept to terms a loan company if I am not aware of the company and their terms. Their attempts to contact me were simple verifications of my application. I never agreed to this loan and now they are telling me to fax over a copy of my bank statement showing proof that I never spent this money. First of all if I applied on line for this type of service, there was a need. Secondly, I knew what my account was like at the time of deposit I refuse to allow them access to more personal information. I informed Yolanda that I was going to dispute that transaction with my bank. She could not provide to me the acceptance of this loan agreement. What she provided to me was my information cut and pasted to their borrowers documents. I never was informed or ever agreed to this loan. There is no proof. I called back an hour later to get information pertinent to filing this dispute I was told by another very unprofessional person with much attitude as if... That this company didn't have a company website and their was no address either physical on PO Box to reference. I know for a fact when a a tax id is applied for you have to provide an address, that was another incorrect misinformed unethical business practice. I am mad I am not sure what the outcome of this will be, but quite frankly I am willing to pay back the intial $300 today, because I don't want and didn't request even though they proceeded to ACH transfer without my authorization. I am unwilling to pay any additional finance fees for something that I didn't ask for!!!
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