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Report: #287184

Complaint Review: Jeff Sinku Owner Of KC Payday Loans - Shawnee Kansas

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  • Reported By: Shawnee Kansas
  • Author Confirmed What's this?
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  • Jeff Sinku Owner Of KC Payday Loans 13210 W. 62nd Shawnee, Kansas U.S.A.
  • Phone: 913-962-2274
  • Web:
  • Category: Loans

Jeff Sinku Owner Of KC Payday Loans Hidden Agendas- PayDay Ripoff Shawnee Kansas

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Owner threatens to report you to BAD CHECK REPORT after promising to hold your check...

Hello, At this time I have found the courage to report this ridiculous business.

The Payday Loan company I am reporting, has not been in business for a long time. Like many payday loan companies, it popped out of nowhere to start charging high rates. Thei annual rates are at a 391.07% plus on top of that if a consumer does not pay the loan on time, the contract states that a 3% monthly charge would apply until the loan is paid in full.

When we need to borrow and are desperate to find help, we don't quite think that an emergency can come up and delay re-payment. This became my case and you will be shocked to learn what happened.

After roughly my 10th loan at this place, one would think that the owner must know you are a credible person. After all, he frequently makes small talk to me whenever we met to take out another loan. There had been a couple of times where Jeff offered happily to hold my check. During those times he would always call me names like baby, sweetheart, and he would dare ask me out and tell me that with him, I would never have to borrow or find myself in a financial situation. Jeff said he would take care of my needs. I always reminded Jeff that I had a fiance and I would soon be married. Still, he insisted to constantly remind me that he had a liking to me. This made my borrowing experience very stressful and uncomfortable. I thought that by ignoring him and putting on a happy smile he would just talk business. Well, it did not work. He even offered me a job to work there. WOW! I am sure this guy knew that I was an honest and sincere person with no hidden agenda.

On Saturday, November 17, 2007, I was scheduled to come in and re-borrow the loan I had taken for $250.00 with a fee of $37.50. I could not make my appointment due to personal emergencies. I wanted to re-borrow but decided that I would instead have him cash it at my Bank. I was going to call him on Monday, November 19, 2007 to ask him to hold my check until Wednesday 21, 2007. In the past he would gladly hold the check for me so naturally, I felt confident in planning to call him on Monday to ask him to hold it. I also, told him that I planned on paying off the loan instead rather than borrowing again. Well, he decided to call me early morning on Monday, November 19, 2007 and left me a very rude message. He said that my check was no good and that he was coming to get me. I was shocked to hear this coming from him. After all, I was only 1 day late. He kept calling me throughout the day at work while I was tackling high volume calls. He threatened to come and get me. HUH! I was in shock and puzzled by his behavior. Knowing that he had made passes at me in the past and how awful I felt to meet for my loans, I decided to not give him my new telephone number. He kept calling me on Tuesday and Wednesday at my work for more than 3-4 times a day. He called the reception area and was transferred to my voicemail. By the way, on Tuesday, November 20, 2007 he fulfilled his threat to come and get me at my home. I heard a someone knocking at my door at roughly 6:30 pm and it was Jeff Sinku. I looked through the peep hole and told my son not to open the door to him. I was calling the police but I noticed he had taken off.

When he left me some messages on Wednesday, November 21, 2007 one of them said that he was coming to my work and that I'd better make an appointment to see him, I immediately told the receptionist to call the police if he dared to show up. Every time he left me a message he left his personal cell phone number rather than his business number. I got the courage to call him on his cell phone number and told him to look at his email address. I was not about to talk to this irrational sicko, and advised him to send all of his inquiries and concerns in writing. I wrote him a letter explaining my situation and that I he can cash my check. I spoke to a loan officer earlier and they told me he should be able to cash my check. I don't know why he couldn't unless he was new at this payday loan business. So, anyway, he calls me back saying that he doesn't see anything important in my email and that he would proceed to take my check to the Kansas District Attorneys office and file a BAD CHECK REPORT on me. WHAT!!! There is obviously something else going on with this weirdo. He also said that he cannot think of any reason why I should not call him. I can think of a huge one, STALKER and Sexual advances. HELLO! Oh, and by the way, he ignores my wishes in writing to him to cease and desist his collection methods. I wrote to him to stop coming to my apartment. He decides to show up once again on Saturday, November 24, 2007. I did not open the door to him but I did get his license plate number. I was going to video tape him with my magnified telephone-camera but it was too late he drove off.

I ignored his calls and decided to email him again. He had replied to my email demands not to call me and not to harrass me anymore. He said on his message that he can do whatever he wants to collect because he is running a business. I told him that I wrote to him that he would be paid and that if he tries to prosecute me the judge would see my attempts to resolve the issue of re-payment in a calm and organized fashion. I promised him in writing through my email address that he would be paid in the form of a Cashiers check no later than Friday, November 30, 2007. Oh, and I also told him it would be mailed to him with Return Receipt.

The last call I got from him was on Monday, November 26, 2007 and he threatened me again with prosecution and multiplying my debt for re-payment by three times if I didn't call him on his cell phone and if I didn't come by to pick up my check. He also adds that I had until 2:00 pm that day to show up and pick up my check or else he would walk it to the Kansas District Attorney's office then he hung up the phone. He didn't mention anything about re-payment. He obviously wanted me to show up and see him again. YUCK!

My last letter to him states a promise to pay and also states the times and the dates he came to my apartment. I warned him to stay away from me or I would file a complaint about his stalking attempts. All this happened in less that a week and a half. This person is a liar, pushy, and tries to corner, frighten and black mail a consumer under false and misleading pretense. I have never had a most shocking experience like this one. I have a feeling that I am not the only girl that has felt like she has been sexually harrassed by Jeff Sinku and that has been a victim of attempt to mind control and belittle a consumer by fear and threats of criminal charges that by the way he cannot press any criminal charges. The state of Kansas does not allow this and supports a plan to re-pay any payday loans.

I wish to no longer have any contact with Jeff and KC Payday Loans after this awful experience. I may have to get an attorney if he deems himself to send a BAD CHECK REPORT for my check that he could have held like he has in the past. PLEASE becareful with this individual. He appears to be charming and offers to help but in the end he may have a hidden agenda especially with females. Also, before borrowing from a Payday loan make sure that you know the consumer information and the regulation for the state for which you would be borrowing. This helped me to get out of debt and have the lenders work with me. I have had other Payday loans and they are willing to help me pay back the money. I did not have to borrow again stopping the repeat lending that can get quite expensive and is very hard to stop. Emergencies happen and we may be back to square one. Please be careful with this Payday loan company. If it is not willing to help it's consumers and threaten to report you for a check they can hold, this means that Jeff is not a good business man and is in the business for his own personal gain not for the well being of consumers.

Everything I have reported is true and correct. I also, kept recorded messages and transferred to my personal cell phone for future evidence. If he shows up at my front door again, I will get the chance to video tape him through the peep hole. Sometimes, you have to resort to these detective methods to unmask a liar and a user.

Anna XXX
Shawnee, Kansas
U.S.A.

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This report was posted on Ripoff Report on 11/27/2007 03:29 PM and is a permanent record located here: https://www.ripoffreport.com/reports/jeff-sinku-owner-of-kc-payday-loans/shawnee-kansas-66216/jeff-sinku-owner-of-kc-payday-loans-hidden-agendas-payday-ripoff-shawnee-kansas-287184. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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