I applied for a $200 loan with numerous places and received tons of email from each one stating that I had been approved and needed to complete the paperwork so they could make the deposit into my bank account. Since each place required proof of employment with a paycheck stub, I didn't follow through.
It wasn't until the following week while on the phone with my bank and looking online did I come across a $200 deposit that had been made to my account by an unfamiliar name. I asked the bank about this and they offered to do some research to find out for me. When they phoned me back, I was informed that SSM Group LLC was a loan company. You'd think that this company would have notified me BEFORE making the deposit. Not after.
Since then, I've allowed them to withdraw $60 every other week from my account even though I never got to use the $200 on what I needed since I never knew about the deposit.By state law, one MUST have a business license for my line of work but since my business license expired, I haven't been able to work. Therefore, $60 every other week to SSM Group LLC makes it impossible for me to get the loan paid down. Most loan companies allow people to make payments of $50-$60 or whatever in order to pay off a loan. But SSM Group LLC thrives on ripping people off and claims that $60 every other week is to refinance!!!
I left a phone message and sent an email regarding the fact that they're supposed to notify a person when they're making a deposit into their account, that they failed to do this with me and that since all the other companies required proof of employment with a paycheck stub, they were supposed to do the same but failed to do so.
I have reason to believe that SSM Group LLC may also be part of another scam because a man with a thick Indian accent made harassing phone calls to my house from May until sometime in June pretending to be from a legal service and falsely accused me of taking out a loan last year. I know he's lying because I never took out a loan last year nor did I have a bank account last year.
I've also read other complaints from people about SSM Group LLC depositing money into their bank accounts UNAUTHORIZED. One person complained about SSM Group LLC depositing money into their account when he/she had never filled out a form nor signed anything for them to do this!
I have left phone messages and sent emails to SSM Group LLC about all this but they NEVER return calls nor do they respond to emails. When I phoned to get their mailing address and asked for the name of the person I'd need to speak with, the phone rep would only answer a question with a question!
I complained to my bank about SSM Group LLC and stopped payment so they can't continue to withdraw money from my account. When I went into the bank last week, they advised me to close my account just to be on the safe side and open a new one so SSM Group LLC couldn't continue to take money from me. I've also filed a complaint against them with FTC. We'll see what happens next.
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