• Report: #1166716

Complaint Review:

  • Submitted: Fri, August 01, 2014
  • Updated: Mon, August 18, 2014

  • Reported By:
, Select State/Province

Mc Fadden Intigrity Lending Bureou Mc Fadden Intigrity Lending Bureou are crooks West Palm Beach Florida

*Author of original report: Mac Fadden Intigrity Bureau Predatory Lender

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I lost my job and needed a persoanl loan to pay my rent and other bills. I live with one of my children who is diagnosed with a serious deciese and waiting for ssn and disability benefits. We have not enough to make it and will soon be evicted. That is in short the background to why I accepted a loan offer from The Mc Fadden intigrity lending bureau.

I was approved a loan of $5000 usd with an affordable plan of 34 months to pay back the loan at an interest rate of ten percent/10,00%. Initially before signing the loandocuments I was told to pay up front $484.02 usd.
thesusde money I was told was to grant the lender a collateral payment, a 3 monthly payments of $161,34. My " Loan officer " presebted her self as Crystal Moore and we had frequent contact via phone and emails. The process of gettong the money was delayed due to that I had to find the collateral money somewhere, I was almost broke. When I called and contacted mrs Moore to find out when the money should be transferred to my account she said I have to come up with an aditional $515 and these money was security to the lender, in case I would get sick or lose my job, so now I had paid them all in all $ 1000.

I have saved all written statement made my mrs Moore including the lates which is a statement that confirm that they will not charge me more money and that my loan $ 5000 will be wired to my account on Friday before noon. On thursday I had my sons part of the rent paid to me, and had to use these money to be able to pay the $ 515 usd., I trusted mrs Moore who called me many times during Frday asking for the money wire , and she explained that she was concerned that I would have the loan wired into my bank account before she left her office on Friday afternoon. No money I called my bank nothing pending. I then recieved Ia phonecall from a women who said her name is KImberly Fletcher and that she has taken over the case because Mrs Moore had to leave for an emergency.Kimberly stated that I must pay a transaction fee ( because it is electronic transaction ) the fee is now $ 300 usd. that need to be wired immidiatly if I want the money..I believe that I spoke to Kimberly all the time, I also had a short conversation with a man who use to answer the phones, thus he would not say his name and also spke with a very low voice. I told Kimberly that I will not accept these nwe conditions and its is not stated in the contract between us, noor are the fees I paid previously. She said that there is nothing she can do about the wire stransaction fees, beacsue it is not done by her but by the lender and the lending department. Now it was clear to me that I had been scammed and I told Kimberly Fletcher that she better fullfill the obligations that is written in the contract between us , or I will both report her and her company and sue them.She hang up on me.

I need help I cant solve this problem by my self. I am devastated, we will be evicted for not paying the backrent  that I inteded to use part of the loan for, pay our telephone bill( the phones will be turned off tomorrow )and medical bills. ( I believe that Crystal Moore the nice loanofficer, is Kimberly Fletcher).

 

 

 

 


This report was posted on Ripoff Report on 08/01/2014 12:45 PM and is a permanent record located here: http://www.ripoffreport.com/r//Select-StateProvince/Mc-Fadden-Intigrity-Lending-Bureou-Mc-Fadden-Intigrity-Lending-Bureou-are-crooks-West-P-1166716. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Author of original report

Mac Fadden Intigrity Bureau Predatory Lender

AUTHOR: charlene - ()

I was contacted online by a women with the name Christy Moore, she told me she was a senior loanofficer at Mac Fadden Intigrity Lending Bureau and that I was approved for a personal loan of $ 5000. She told me that if accepted the loan I was suppose to pay a collateral. I had 3 alternative: a car, a coop apt, and paying op front three times $ 164, 3 monthly repayment of a 3 year term. I choosed the last alternative and when asked for their bank account, Mrs Moore told me the collateral payment must be done vis Western Union. I wired $ 415 and they were confirmed in email the following day. Before sending money I asked for a contract/loan agreement and commitment letter which was signed by April Scott and returned signed by me. The money was suppose to be in my bankaccount within 24 hours. However I recieved no money and waited one more day, when I was tols by Mrs Moore the lender demanded another 3 months repayment to release the money. I paid them $ 515 and now the collatera.l was $1000 plus $ 40 transaction fee to Western Union, money sent to the lender with the name Shawn Young, in Kingston Jamaca I waited more than 2 days to recieve the money, and emailed a number of times to Crystal Moore, whom so far had return my emails. this time I was told in email to contact the loan officer. Called her several time but no Crystal Moore picked up the phone indstaed now I was contacted by Kimberly Fletcher and she told me she had taken over the case, because Mrs Moore according to her had to leave early for emergency. I incisted that I did not want to change loanafficer, but she told me she had taken over the case. KF told me their financial department needed $300 to send the money to pay the insuranse for " so much money". I told her that in the contract with them there was stated that no fee was suppose to be paid to get the loan. She insited, I told her I will call my legal adviser and she hanged up on me. For more than 2 weeks now I have been trying to contact Crystal Moore, but to no prevail, nobody return my phone calls, no email communications from them. I have realized I am a victim of a predatory lender, and have turned to legal authorities to get help. The money I was forced to send them where my last money, I have now bills I cant pay and have financial problems. I strongly advise everyone to never contact Mac Fadden Intigrity Bureau they are predatory lenders lurking on seniors and people with below " good" credit, in desperate need of a loan.

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