I applied for a loan with Freedmens Financial Resources online on June 21. I received an e-mail on June 22 from Tanya Clayton asking me to contact her at the phone # she gave me in the e-mail. I contacted her and she said I had been accepted for a loan of $5,00.00. She said I had to secure it with either a co-signer or collateral or take out an insurance policy. She e-mailed me the loan papers and asked me to fill them out and send some verifications. I did choose to take the ins. Policy and I had to send $795.00 Western Union plus pay the fee of $54.00. Tanya said they would give me the $54.00 back.
I questioned the Western Union and asked her if she could take it out of my bank account and she said the Western Union was the only way to do it. I went down to Western Union and there was an alert about sending money Western Union for Loans. I called Tanya back and she assured me that the loan was legit and it was a legal binding contact I went back to Western Union and sent the money. I called Tanya with the transaction # and she said my money would be in the bank Friday which was two days after the day I sent the deposit. She said all that was left to do was have a rep call me the next day and verify my banking information.
The next day I waited all morning for the rep to call and never received a call. I called Tanya back and she gave me Debra Lewis's # and told me she was the one that would be handling my file from now on. I left several messages for Deborah. I also called Tanya back and told her I was having trouble reaching Deborah and she was frustrated at the fact Deborah wasn't calling me. Tanya said she would give a call downstairs to her. She did call back that evening and left a message saying she needed to verify information.
I got in touch with her finally on Friday morning and she said there was a mistake and she needed to look into it, that I should give her a call back in an hour. I did call her back and got her answering machine all day. I finally got in touch with her on Tuesday morning and she said I have to pay Canadian taxes on the loan before they could release it to me. I asked her why I couldn't take the taxes out the loan and she said they couldn't do that. I told her that I didn't have anymore money that I had borrowed the money to go forth with this loan to begin with. She said I could put the loan on hold until I had the money or she could give me a refund. I told her I just wanted a refund. She said she would find the details out and for me to call her after 4pm. I did call her and again I got nothing but the answering machine.
The next day was the 4th of July and I couldn't get in touch with them until Thursday. Thursday morning I spoke with Deborah and she said the refund was going to be issued on Oct. 31st. At this point I was very upset. Deborah said she would try to rush my refund and she would have someone call me back (which by the way never happened). From that point I was not able to get in touch with anybody and the #'s for this company are no longer working.
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