On or about 02/19/10, I applied for a no credit check-earnings only loan. Shortly after, I received a call from D. Richards (loan agent) informing me that I had been approved for an $80000 loan, from Cardaro Lending Solutions, 535 Griswold St., Suite 2100, Detroit Michigan 48226.
She went on to tell me that in order to get the loan I had to put down collateral in the amount of $989.00 and in 5 months and without missing or being late on my payments the collateral would be returned along with any charges for wiring the money as directed and put 100 points on my credit. I agreed and in turn she took my e-mail address and sent the application.
On 02/25/10, I faxed Ms. Richards the application along with all my income statements. After about 2 hours I called her and she told me the application had arrived and all I had to do is wire the money and the loan would be in my banking account the next day. We agreed I would wire the money on Saturday 02/27/10. After I wired the money and faxed a copy of the receipt, I called Ms. Richards, gave her the MTCN #. She then checked for authenticity and told me every think is ok and the money would leave their office at 4:00PM and in my bank account Monday morning.
Monday morning came, I checked my account, however there was nothing pending. I called 4 5 times but got no answer. I called early Tuesday morning 03/02/10, spoke to Ms. Richards. I told her the money was not in the bank and she said it should be. She then looked checked the computer, then told me the money was on hold and to call the Customer Service Manager at11:00AM, as this is time they are open for business.
I called back at 11:30AM, Detroit time and spoke to the manager. After telling him my name he told me the loan was on hold because he wanted $949.50 more. I told him I sent the collateral and I want my loan in my account today. He then said no send me the money and I will have the loan in you account in 2 hours. I got outraged and said, I knew this was a scam, it was too good to be true. He then said this is not a scam. I then told him to send my money back and I want it by Saturday 03/06/10. He then said I will give you an option, take your money back or give my $945.50, and I will have the money in your account within 2 hours. I asked him why did I have to sent more money, and why had did t any one call me and let me know what was going on? He hesitated and said Sir you have an option, one take get your money back or send me $949.50and I will have your money in your account in 2 hrs. I then told him I wanted my money along with the service fee of $86.00 in my hand by Saturday 03/06/10. He said It will be to you in certified check by Tuesday 03/09/10 I then said NO by Saturday.
On 03/09/10, I called the manager because my money had not been returned to me. I called again 03/12/10, and the telephone # is still working but the loan agents and the customer service managers # were not working.
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