Omni Lending Group Scammed, loan, deposit, fully approved New York New York

On October 12th I was contacted by Stephanie Davis with a company called Omni Lending Group. She told me that I had been fully approved for a loan for $5000. But because I didn't have the best credit, I would have to pay a deposit of $914 which would be put into a deposit account and would be refunded to me at the end of the loan, provided that I did not default on the loan. She faxed me all of the paperwork, which looks very professional and legit. I looked them up online prior to send the money, and at the time there was nothing negative towards them.

I have since learned that they got most of us on the same day, which is why there was nothing online yet. I borrowed the money from my roommate and sent it via Western Union to an Elizabeth Figueroa in Ontarion, Canada, and I was told that the money would be deposited into my account within 48 hours, which would have been Friday, October 19, by 4:30pm. When the money wasn't there, I immediately called Stephanie back at 4:31pm and she said that since the banks were opened later on Friday, it should be there by 6:30. Needless to say, it was never deposited.

So I called again on Monday. Stephanie answered and said that she was going to give my lender a call and find out why it was not deposited. She called me 2 days later and said that my lender took a second look at my credit and was becoming leery about loaning me the money. They wanted me to deposit $700 more. I said that if I had $1500 that readily available, then I wouldn't need a loan. And I asked for a refund of the $914. She said it would take 30 business days. We will see what happens.

So now I am further in debt instead of getting out. This situation seemed very legit. I consider myself to be decently educated and I never saw this coming. They covered all their bases. But I do agree with everyone else, what goes around, comes around!

Upset in Ky
Louisville, Kentucky
U.S.A.