Same Day Loans contacted me with an alleged loan approval for $2,000. The "verification" department called me to verify my information and I gave my info to Joseph. He then told me that I was approved and that my loan would fund within 90 minutes.
I waited the full 90 minutes and received no funds. I called back and Danny, (the "receptionist") answered the phone letting me know that he would email my loan person and they would contact me. I got the call from Joseph (acting like he knew nothing was wrong). I told him the loan did not fund. He put me on hold for a few minutes to check with the "underwriting" department. Came back on the line and told me that I had to show "good faith" or the ability to repay the loan and so I would need to pay a fee that would be refunded or "piggy-backed" on the loan when it funded.
I feel like a complete idiot. I even questioned this guy with all the suspiscions in my head that any rational person would. I was assured they were legit. I even told them that I wanted a call from Green Dot to ensure me of their company. In which, I actually received a call from a GreenDot customer support person. I redialed the number after I got off the phone with the guy, and it was a greendot number. He confirmed that they did business with this company and they were legitimate. He said they had been doing business with this company for several years.
I am at a loss for what I need to do. I would have never paid that money if I thought it wasn't a legitimate finance/loan company. I'm the one always telling others about scams and you should never have to "pay" to get a loan. Then this happens. I really needed that loan to pay bills and now I'm not only NOT going to get the loan, but I'm also out of a lot of money and no clue as to where it's going to come from or even if I'm going to get it back.
Even though I got a call from greendot, everything that I see on their website is telling me that it's not their fault and the moneypaks are not refundable. Which is one of the questions that I asked the guy from greendot and he assured me that the money that I paid would be given back to me along with my loan. Still trying to figure out what greendot has to do with this.