Report: #1146894

Complaint Review: United Cash Loans - Nationwide

  • Submitted:
  • Updated:
  • Reported By: Zarra M — San Antonio Texas
  • United Cash Loans Nationwide USA

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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: https://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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#3 Author of original report

get a lawyer

AUTHOR: Zarra M - ()

POSTED: Tuesday, June 17, 2014

Sorry. I have been working overtime to catch on what was missing. Hiring an attorney is the best advice i have for you.

They are now trying to get my husband for 1200. And saying he will be arrested if he doesn't. Feeling a little stressed.

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#2 Consumer Comment

What can we do.

AUTHOR: MLindle - ()

POSTED: Thursday, June 05, 2014

This exact thing just happened to my husband and I. The worst part is they somehow knew exactly how much money my husbands check was because they did the same thing to us. Get this green dot for this then green dot for money gram, then green dot for taxes. It's ridiculous. But, to come find out they have been in my life for over a year. They at first claimed to be debt collectors. If you find any way of getting your money back could you please tell me.




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#1 Consumer Comment

There never was a loan. The whole thing is a scam

AUTHOR: FloridaNative - ()

POSTED: Tuesday, May 20, 2014

This is a very common scam called the Advance Fee Loan scam. You can read all about it at FTC(dot)gov under consumer scams. These scammers aren't afraid of anyone because they had you pay them through untraceable methods (Western Union, Green Dot and other reloadable cards). 

The main tip that this is a scam is that the "lender" requires any up front fee from you prior to issuing the loan. It is not legal for a lender here in the US to charge an up front fee for a consumer loan. Fees are deducted from the proceeds in a legitimate loan. The scammer will tell you anything to get you to send multiple fees. In fact, they will keep making up fees until you catch onto the scam or until you run out of money. By the way, the names of these people are fake. The company name may or may not be real. These scammers use whatever name they feel like using. The phone numbers are spoofed. There is an excellent chance that they are NOT in the US at all.

Report this scam to your police department, the FTC and the AG. I don't think you will see any funds returned to you, but it is worth reporting. Next time a stranger asks you to send money through an untraceable method for any reason, just say no. There is a follow up scam to this since you sent money already you very likely will be contacted again by scammers. The follow up scam is the Payday Collection scam where they try to collect the 'loan' that you never received. Be careful.

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