I applied for a loan through Acclaro Financial Services and was approved for a $5,000 loan. I contacted the company and the person assisting me was Carolyn Thorn. She processed the paperwork and told me the interest rate would be 6% and the monthly payment of $117.00, however because of my credit score they would either need me to provide a co-signer with a credit score of 630 or higher or purchase loan insurance in the amount of $590.00
I had a co-signer, however I was told their credit score wasn't good enough so that I could still purchase the insurance and that I would need to purchase a MoneyPak card for the insurance.
I purchased the MoneyPak and provided the "loan officer" the number. I was guaranteed the money would be in my account within 2 business days. I receive an e-mail from the loan officer stating the money was scheduled to be in my account by noon. Noon came and went and no money. I contacted the loan officer and she explained that they took a closer look at my credit and that I would either need to find another co-signer or purchase the larger insurance package for 1000 dollars. I explained that I had no other co-signer and didn't have an additional 500.00 to pay for the higher insurance. I then requested a refund. I was told that my refund would be processed and that she'd put a rush on it.
The next morning I received an e-mail stating the refund had been processed and I'd be receiving it within 3 days. A week has no passed and no refund. I've tried contacting the "loan officer' and have been unable to get her to answer the phone or reply to my e-mail.
This is a very clever scam... Don't fall for it... I'm now out $590.00 and no way to get it back.
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