I found Carol CJ Wayland (US Funding Group AKA US Financial Group) on craigslist offering business loans. I contacted her and she told me I'd have to wire $4,000 to her US Bank business account. Account was in the name of US Financial Group. I wired her the money in Dec. 2010 and she told me it'd take about 30 days to have the loan directly wired to my checking account.
Carol CJ Wayland told me in January that it'd probably take a little longer than expected because of things being shut down during the holidays. I accepted this, but emailed her regularly for updates. I found that emailing her was the only way to get a response because when I called her she'd rarely return the call.
Every week when i'd email her, she told me the same thing. "We're waiting for the funds to roll over so we can wire your money to you. It's just taking a little longer than expected because of the holidays." She has been telling me this since January and gave me the SAME excuse as of March.
In March when I last was able to contact her via phone call, she told me she was going to try and get me into another funding program that definitely works. She told me to use my father's credit since his credit is outstanding. She kept pushing me to ask him to cosign for me. I told her I wasn't comfortable with asking him for that, and that I really didn't trust her anymore and I just wanted a refund.
Carol CJ Wayland told me it'd take about 2 weeks for me to receive my refund back to my account. I have since been given the run-around. She keeps telling me that she's still waiting on my refund to come thru and it's not her fault because my funds were forwarded to a 3rd party lender.
I email her everyday and she didn't respond until my most recent email. I told her I was tired of being jerked around, tired of being scammed, tired of feeling taken advantage of, etc. I told her I was going to contact all the local authorities in California and news stations and tell them what she'd done. I told her that she had committed wire fraud, and that I was going to report her to each and every law enforcement agency that I thought might like to hear about her scheme. I also told her I was going to make sure she lost her brokers license, cause she is licensed in California.
After that eye opening email, I got an email from "owner" of the company Mike Acer. He was pretty angry with me because of the threats that I'd made and told me nothing that I claimed was true about his company, and if I kept saying those things that he'd pursue legal action against me.
At this point, I've lost my $4,000 and he can threaten me all day long - I don't care. I've made my report with the BBB, and now I'm reporting them to usacomplaints.com. Hopefully this report saves someone else the time, hassle, money and headache of dealing with this company full of scam artists. I suppose this is what I get for dealing with a company I found on CraigsList.
All I can say is DON'T do business with this company, because they're going to scam you. They're going to call you repeatedly until you pay them, then they'll return your calls/email at their leisure. They'll blame everyone but themselves for the delay in the funding.
As for me, I'm still pursuing my refund from them. If it comes down to it, i'll go after them in court. My attorney says I can go after them for triple damages. Maybe that'll teach them a lesson. So disappointing.
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