Complaint Review: United Cash Loans
United Cash Loans United Pay Day Cash Loans bait and switch Nationwide
*Author of original report: get a lawyer
*Consumer Comment: There never was a loan. The whole thing is a scam
*Consumer Comment: What can we do.
On May 14, 2014, my husband tried to get a loan through United Cash Loans (UCL) as a way to consolidate some of our bills into one lower payment. He was approved for $7500, but had to show he could make the first month payment ($300) before he could receive the money, this had to be placed on a green dot card.
At the time that they were doing the transaction they were having computer problems due to a storm. They decided Moneygram would be better and for his trouble they would increase his loan to $8000. He told them that was fine, they proceeded to tell him that in order to send the money they needed $500 put on two green dot cards to cover 10% of the loan. I don't know why he didn't stop there but he was able to get $500 on one card and $450 on another, so UCL decided to go with Western Union because the fees are less expensive. Now all of this money is refundable upon receipt of the loan.
Well once the Western Union was processed they realized that it had to be split into three transactions, however they said that they could not activate the tracking numbers without $70 per number, my husband tried to cancel the process and get the money back, but they said it was too late and the money was tied up in Western Union. At this point he was transferred to a supervisor, who apologized and said that he will get the loan if he gave them the $210. The associate should have paid closer attention. And without the $210 there was nothing to do. So he went to get the card with the $210 on it and the cashier at HEB accidentally put $214.95 on the card. He included the $4.95 activation fee.
The cashier and the supervisor for the cashier said they could not void correct the mistake, but it shouldn't cause a problem. UCL said Western Union could not leave any money on the cards and they wrapped the $214.95 into the loan so now the total amount he was getting back was just over $9000, but he needed another $210 to do so. Not possible. They said there was nothing they could do for him. The money was wrapped up in Western Union they couldn't refund any of our money back, they transferred him to Western Union earlier and WU said that they could issue a check for our fees. But when he called WU on his own they had no record of the tracking numbers.
He called UCL back today (May 15, 2014) and they said there was no record because they cancelled them. They said they challenge him to try to get any of his money back, and that he could try to get a lawyer, but lawyers don't scare or worry them. My husband said he would file a complaint which could make it so soldiers can't utilize their services. The supervisor then stated that soldiers don't read the list that says they can't use them. My husband just got scammed out of his entire paycheck and there is nothing we can do. They wouldn't give my husband their address, but the phone number is a NY phone number.
This report was posted on Ripoff Report on 05/15/2014 08:07 AM and is a permanent record located here: http://www.ripoffreport.com/reports/united-cash-loans/nationwide/united-cash-loans-united-pay-day-cash-loans-bait-and-switch-nationwide-1146894. 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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