I applied for a loan application through American Choice Funding Enterprise and they approved me for a $15,000 loan. They sent me a contract to my email. They told me since my credit score was low I would only qualify for a unsecured collateral loan. They asked me to provide upfront collateral of $2254 and they would release my loan of $15,000 to my bank account. I sign the contract and sent it back with my bank information so they can deposit the money. The loan rep I was talking to was a lady by the name of Donna Lee at 855-451-3609 ext. 445. I was suspicious about sending that amount of money western union. Donna Lee said I would have to send it to a second party person which is the lender by the name of Donna Randal. I told Donna Lee during that time that I did not have $2254 to send. Donna Lee contacted me back to notify me that the lender would release the money if I sent a partial payment of $1610. I question Donna Lee cause I was concern I was getting scam, she then said she wasn't pressuring me but advised me that the company would be there if I ever decided to use their service. I called back and talked to the switch board operator or someone pretending to be one to voice my concern of sending money to an unknown person. I also contacted the customer service rep by the name of Erica Jessup or Jessop. I then thought that I felt a little more reassured so I then sent the money amount of $1610 via Western Union/Money control transfer number 330-563-1158 6:11pm on Aug 1 to Donna Randal with a payout location of Homestead Florida. I contacted Donna Lee back to give her the money control number. 24 Hrs. Later Aug 2nd the money was never in my account in which I contacted Donna Lee and inquire why it never posted in my account. Donna Lee played like she was unaware of the situation and said she would contact the lender and then give me a call back. When she called me back, i thought it was a little suspicious again because the number registers on my caller ID as 855-000-0000. But again I didn’t react with any sense. Donna Lee said that the lender did not release the $15,000 because the insurance company back out of insuring the loan because it was only a partial payment. Donna Lee stated that the only way they would do the loan is all the partial payment to include fees be paid up front which was $1200 additional to the $1610 already sent. I asked for a refund in which she said she was willing to do but notify me that it would take up to 5-10 business day. I then was irate and angered and felt like I just lost money, I was also upset at her instating that why is it that I sent money via western union money in minutes but it takes American Choice Funding Enterprise 5-10 business day to get it back to me. I then was desperate thinking well I've already put up $1610 so asked Donna Lee if I send the $1200 I’m guaranteed the loan. She said yes she already talked to the lender and the insurance agreed to the loan a 100% if I paid the extra $1200. I then sent $1200 via western union on Aug 8th between 9-10 am to Donna Randal with a payout location of Homestead Florida. Aug 9th I looked at my bank account and there was nothing there. Aug 9th a lady by the name of Erica Jessup/Jessop called by Finance to notify her that loan cannot process because the loan rep Donna Lee did not relay all the information provided to actually get the loan properly. I then spoke with Erica Jessup, she notified me that Donna Lee did not give me the correct conditions of the loan and that she is being reprimanded due to that incident. Erica told me that the company American Choice Funding would not give anyone with a low credit scores a loan in the amount of $15,000 without a good amount of secure collateral which would actually be in the amount of $4000. Erica also stated due to the hardship we endured myself and she is willing to negotiate with the lender. Erica stated that since we've already sent a total amount of $3000 that it was actually $1000 short of the required $4000. Erica said that the lender is willing to negotiate $500 towards the payment to send the $15,000 into my account. My Fiancée questioned it but agreed to do so and sent $500 more dollars via western union to a payout location of homestead Florida to a Frances McDonald. When Aug 10th came no money was in my account and I tried calling American Choice Funding back and got a temporary disconnected answer voice server. I then looked them up on the internet by Google and found out through a website called www.usask.com that another consumer was ripped off by the same company and same used fake names Donna Randal, Donna Lee and Frances McDonald along with Wayne White. I really then known that I've been scammed and plus their numbers being disconnected. I called western Union to report the Fraud and names used to pick up the money. The western union rep told me the first transaction in the amount of $1610 with a payout location of homestead Florida was actually pickup in North Miami Beach Florida and the second transaction in the amount of $1200 was pickup in Wilton Manors Florida by a lady with a name of Donna Randal. I contacted my local police authorities and have a case number but was blown off because they notified me that they don't really handle computer internet scams. I put my entire rent money up being desperate to get a loan
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