IMC or Cap Net was given $795.00 for a first and last month payment for a lease of equipment. I was working with a sales rep that never answered the phone. I decided not to go through with the loan due to the terms and I was promised my money back in July. I kept calling and calling and in September I was pushed to another sales rep. He did not want to give my money back. He offered me another loan instead of giving me my money short of processing fees. He said they did too much work on it and were only going to give me back $200.00. He offered just a regular loan. I did not agree to the terms of that loan and he did not want to give any of my money back. I kicked and screamed to no avail. No one ever returned any of my calls. The sales rep was rude and wanted to get into my personal and business affairs when I chose to do a loan elsewhere and got approved. He was rude and would not let me talk. I just want my money back. It should be illegal for the bank to not act in such a way and not be prompt when addressing consumers.incidentally, the reps never answer the phone, they never return calls, they steal your money when you do not agree to terms. That is how they make money. Their terms are ridiculous so they know you will not agree and take your money. It is best to go to a local bank for loans and not to trust anything you get in the mail. They are scam artists and slick. They just want to take you for a ride and and take your money.
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