BENEFICIAL ripoff False Advertising & Unprofessional Business Behavior. SAN JOSE California

I received a check by mail from beneficial, when my bank Wells Fargo Bank tried collecting the funds they refuse releasing the funds.

Which there explanation was this funds can not be release for the reason that this account is not existent. All my check bounce & I had to pay $33.00 dollars for every check bounce & besides that it make me look really bad with my other creditors.

I call Beneficial and spoke to Maria Pantoja she schedule me for 7:00pm to go over to the office & she was going to write me another check & void the check I received by mail.

Afterwards suddenly I received 2 statements from Beneficial with 2 different account & different loan amounts. I contact Beneficial by phone & explain them what happend they said they we're going to fix this problem, & should be receiving the right statement with the right account# & $amount.

After this problem was never fixed I received a letter from Benefial Collection Office, saying that I needed to send the past-do amount on my account before my credit suffers furder collection consequenses.

On Saturday morning I received a call from Beneficial Collection Dept. I explain the situation again, but wasn't fixed. Sunday night I received another call from them again & they said for me not to send any payment until they fix my acc. & I receive the right statement.

Finally on Wednesday 4/14/04 early morning around 8:00am or 8:20am I was getting ready to go to work when my phone rings and it was Beneficial Collection Dept.
I spoke to Michael, I tried to explain him what is being going on with my account but he just being very rude and harrassing me when I told him "well from which acc. are talking about & tell me if for sure there's only 1 acc. under my name.

As soon as I said that he answers "well this account is the one I'm talking about, so tell me when are you sending your payment I need for you to actually sended right away.

Then I told him "well I was told not to send a payment until my account was fixed" then he started pressureing me with (well you wan't to talk come on talk to me, you know I'm from Beneficial Collection Dept. so come on talk to me) so after listening to the tone of his voice & the rudeness way he was talking to me, I told him "sure can you please give me your name & number were I can call you back because I really need to get to work and I can not be late, but he kept on going until finally I said "Don't worry you will receive you payment, then he finally said ok by".

But besides this to top it off financially I got worse after I used this loan, & I got in trouble with my Supervisor at work for the reason that Beneficial use to call her Dept. asking for me & when she was trying to be helpful by try asking them for a name & phone #, they wouldn't even answer anything but they would just hang-up.

(Why should I pay for a loan that suposely I borrowed, when Wells Fargo Bank return to me the original check that I received by mail with a letter explaining why they couldn't collect the funds.)

I'm sorry that I ever got this loan, for the reason that Beneficial screw me up from the begining & they got the rudest people working for them like the representive I mention Michael.

Mirna
San Jose, California
U.S.A.