Westmont Capital Funding LLC Pay the security deposit in order to qualify for a loan New York New York

On April 28, 2014, I received an email saying that your loan application was recently approved for $7000. When I contacted one of the customer service (name: Eric Flecher), Eric asked me to email copy of my driver licence & SS#, and he also required a co-signer or collateral such as home, cars, ect... in order to get approved, and I don't have any of those, so I asked if there is other way, then he said "yes" which is called "Security deposit collateral" for the amount of $646, and this money will be refunded back to me after the first 4 months on time payments. Then, he emailed me the 8 pages loan agreement (it look very legit) and payment instruction of how to wire money through Western Union (receiver's name: Adrian Hushes, state: Ontario, Country: Canada). I asked why the receiver is personal name and why Canada, he explained because the lender is in Canada who offered a lower interest rate. On April 30, I made the wire to Andrian Hushes (total $704 including $58 wire fee charged by Western Union), and I called Eric  to let him know, then he checked with his act department (name: Allen Hunt), then Eric told me the loan will be deposited within 4 hours. So I waited six hours, but I didnt see anything in my bank yet, so I called them but it was after hours already.

Next day morning, I called Eric and asked why the money has not been deposited, after 4-5 min putting me on hold, he got back to me and said that because I'm considered a high risk customer (because i have too much credit card debt) so they required me to purchased an insurance which cost $1482.64, I was very upset and asked him straight that "is it a scam", he said absolutely not and comforted me by saying "Dont worry, if you don't want to purchase the insurance, we will return my money back by sending me a check (take 3-5 business days). For some reason, I felt a bit better after the offer, then he said "let me check with Allen to see if there is other option", after on hold minutes, he got back and told me that our company will share half of the insurance amount which is $741.32, so he left me two options, either purchase insurance for $741.32 or they will cancel the loan & return my money back. Because I needed the loan badly so I decided to continue.

Same day on May 30, I wired to the same person and gave him a call just like the 1st time. He told me the same thing, the money will be processed and deposited to my act within 4 hours, later on that day around 5pm est time, I still did not see any money in my act, I was very frustrated and gave him a call, this time I request to talk to Allen directly, and he said that after overview my application our company require a full amount purchased of insurance, I was really pissed and Allen told me very firmly that if I don't want to, he can go ahead and send me the money back. I said "yes, please send me back my money", and of course it will take 3-5 business days.

After I hung up, about 45 min later, just because of the desperate for the loan, and I talked to myself that if they are really a fraud company, I won't get my money back anyway, so I decided to risk another $741.32 because i had put too much money in already, I called Allen back. Next day morning, I went to Western Union and did the same thing, and Allen told me the same thing. It was around 10am Friday morrning, this time I kept calling him every one hour to make sure everything all right, and each time he assured that the loan had been finalized, and I will received the money by 2pm. I waited till 2pm and nothing happened, so i called him back, after checking something, he told me there was some wire fee (which is $675) that why it being delayed, and he told me the company will cover that fee for me but I have to wait 3 business days. I was mad again, I asked him why the wire fee is $675, it is ridiculous, and why I have to wait for 3 days to get the fund deposited. He explained that "because the company cover that fee so I have to wait, if I want to get the fund to day I have to pay it myself".

Now, I start realized that I might be a fraud victim, so I kept asking him to tell me straight if I got scam by you guys, please tell me and I will not blaming you because it was my stupidity, and he kept saying "no sir, you are scamed, we are big company, you will receive your money by Tuesday the latest". At that time, I felt like 70% that I got scam, but still 30% hoping for Tuesday. Then I hung up, and call the FBI fraud department in Newyork to try to find out if their officer really exist, but the police refuse to go there because I'm in California, the police had googled up their website and she told me it look legit, so just wait til Tuesday if its really a fraud, and also they ask me to search on the Better Business Bureau website for more info. And I checked that website, I found out that there are similar situations like mine and they are fraud. So, I kinda knew that 99% I got fraud. Please help me to arrest these guys, get my money back and to stop them doing that to other victim. Thanks...

Kenny Nguyen 

Huntington Beach, CA

USA