- Report: #1224364
Complaint Review: Capital One Bank Loan - Internet
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Capital One Bank Loan
Internet, USA
Phone:
786-504-7035 Ext 373
Web:
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Capital One Bank Loan Samuel Thomas, Loan Officer, Mark Brown, Funding Manager RCVD call and email re loan approval Phone # is from Hampstead Internet/FL
Received e-mails from Samuel Thomas and Mark Brown and phone call from Samuel Thomas regarding a loan approval.
Approved loan was for $4,500; 36 months; $159/month. Samuel Thomas told me I needed to go to Moneygram and loan $120 on a PayPower card to send to ATC which I did that same day. Was told I would receive credit in 3 months.
Next day was told the ATC required we use an insurance policy for security. I should go to Moneygram and load $270 on their PayPower card to be sent to the insurance which I did. Was told I would receive credit in 2 months.
Next day was told IRS was requiring we pay 10% of the loan amount, $450, before IRS would release loan for wire deposit. I did not have anymore money to send and told Samuel Thomas this. He said he would hold the loan until we could get it to him.
I contacted Samuel Thomas and told him I wanted to void the loan being processed because I had no more money. I requested the $390 I had sent him be wire deposited into my bank account. He said he would void the loan and would send me a cashiers check that I would receive in 3 - 5 days. Today is the fifth business day and the check was not in the mail.
My husband hit the roof and called Samuel Thomas and demanded the money be returned immediately. Samuel Thomas told him we had to pay a cancellation fee of $500 and he would return the $390.
I was not told of a cancellation fee. All I was told earlier was he would send the cashiers check in 3-5 days for $390.
My husband was very demanding and Samuel Thomas wound up hanging up on him. Every time he caled back, Samuel Thomas hung up on him.
We both are over 65 and on a fixed income and strict budget. We agreed to the loan so we could use it to repair damage to our bathroom when the water heater blew up. We were going to pay other bills to either pay off or get current. It was not to be used to just "blow".
Anything anyone can do for me would be appreciated so very much.
2 Updates & Rebuttals
Ryan
Minot,North Dakota,
USA
Capital one fast loans
#2Consumer Comment
Sat, December 19, 2015
If anyone has been scammed into putting money on a myvanilla card and giving these scammers the card number please tell me if they are missing money from there actual checking account i was just scammed by these guys and they have all my personal information including routing number and account number! They ripped me off with the myvanilla card but im scarred they will go after my checking account now.
FloridaNative
Palm Beach Gardens,Florida,
USA
You were scammed - twice by the same people
#3Consumer Comment
Sun, April 26, 2015
Capital One does not do personal small payday type loans. The scammer you sent the money to isn't sending you a refund. They used Capital One's name to sound legitimate. The names are fake, the companies are real companies but they don't have anything to do with these type of loans. The scammer just takes the names to get you to let your guard down.
Never pay any money up front. It isn't legal in the US to charge an upfront fee in advance of the loan. Any time you are asked to send money up front via Moneygram, Western Union or a pre-paid card it is a scam. Don't wait for the refund as it isn't coming.
Take a look at all the reports in this website with people being scammed by others using the same pattern. Different names of different companies, but all of it is the same patttern. Go the to FTC(dot)gov website and read up on these scams so you don't fall for it again in the future.
By the way, since you fell for this scam it is likely your name is on a list and you will be contacted by this same scammer or different scammers for a future scam. Once you have sent them money, they come back to see if you will send more. Just hang up on them if they call or contact you again.
