Complaint Review: Atlantic Finance LLC - Chicago Illinois
Atlantic Finance LLC Gary Hawkins Brian Rich They offered me a $5000 personal loan, emailed me papers to sign then asked for my bank info to deposit my loan. Chicago Illinois
*Consumer Comment: Happened to me the exact same way! His name was Eric something
I applied for a $2000 personal loan online through a few different companies. Soon after I was getting flooded with calls and emails offering me loans but none of them were over $400 cuz I have crappy credit. Then I got a text saying I was approved for $1000. They asked me to call to verify my information. When I called they told me that I was actually approved for $5000 which blew my mind. Then they started going over the details of my APR and monthly payment amount and length of the loan. All that seemed pretty standard to me.
Then they told me in order verify my bank account info they need to make a verification deposit. They said after they get confirmation that it went through they would call back and in the meantime I should work on signing the loan papers. As soon as I saw the loan papers I got that feeling that something didn't feel right. They were very basic and not professional looking at all. It was just so vague, there were no real details. I signed them anyway, I was just so excited about the money and how much it was going to help us that just ignored the red flags. They told me it would only take about 20 minutes for the verification funds to hit my account.
I finished the papers made some lunch. About 45 minutes had passed and I thought I should check my account just to see. I had a checking account with Bank of America in excellent standing and was a loyal customer. I opened my mobile banking app and logged in. I was surprised when a big box popped up and said, "Your account has been locked please give us a call.". I wave of panic swept over me and I knew for sure right then and there that I was being scammed. I quickly dialed the 1-800 number on my screen and anxious waited for a rep. A lady finally came on the line. She went through the usual verify yourself questions and I answered them. She said how can I help you. I didn't say anything about the loan company cuz I felt pretty stupid at that point. I just told her my account was locked and I wanted to know what was going on. She said ok let's take a look. There was this very long pause, too long. Then she proceeded to tell me that the bank has closed my account and deactivated my debit card. I was speechless.
Finally I managed to croak out the word, "Excuse me?". She said yes ma'am your account is closed. I said, "I don't understand what are you talking about? Why is it closed? What happened?". She said she didn't know, that it didn't say why or give a reason. I was freaking out by then fighting back tears and feeling sick to my stomach. And that was it. She said have a nice day. I hung and just sat there completely dumbfounded. After about 10 minutes I regained my composure and sent a text to Brian my "loan officer" I said, So I just talked to my bank and they closed my account and pretty much wiped me from existence.".
He replied a few minutes later and ok give me 10 minutes.". I was like what the hell for? I then jumped on google and started researching this company and I couldn't find a d**n thing. I texted him again and said my account was still closed, never heard a word from them again.
This report was posted on Ripoff Report on 02/03/2021 04:31 PM and is a permanent record located here: https://www.ripoffreport.com/report/atlantic-finance-llc/chicago-illinois-gary-hawkins-1504663. 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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