I thought they seemed to be legitimate. They were on the BBB with no complaints and the address appeared to be real. However, they are a scam outfit. After I paid their insurance (they wanted it wired to Welland, Ontario, Canada) I was unable to reach the representative I worked with "Angela Scott" 866 840-3080 ext 208 and 866 311-9935 ect 208). Also, they provided a new toll free number of 866 311-9935 explaining that they changed providers, however the old number of 866 840-3080 still works. I looked up the "new" toll free number and it is new as of 07/10/08 and has a name of Wong Associates and a physical address of Toronto Ontario Canada. I was originally told by "Angela Scott" ext 208, that I would receive a wire by 4:00 pm Pacific time if my wire was received prior to 11:00 am. When I called "customer service" at ext 207 "Sheila Gardner" advised me that the funds would be received within 48 hours. When I called Sheila Gardner 7/21/08 at ext 207, I got her voice saying she was Judy Ellis with Cross Point Lending. Cross Point Lending's toll free number is owned by Tanya's Catering in Ajex, Ontario, Canada. When I reached "Sheila Gardner" she said my funding would be revceived Tuesday. I have not reeived any loan. American Community Lending is definitely a scam as is Cross Point Lending. Do not send any money To American Commumity Lending, Cross Point Lending, or Ridgeshore Associates. I sent enough for all of us. All these "companies" are actually based in Canada and pretend to be based in the US to rip off US Citizens. I have lost enough money for all us, do not wire any funds to American Community Lending, Cross Point Lending or Ridgeshore Associates. I believe American Community Lending may be using the name and address of an actual California based company.
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