American One Financial Solutions Caroline Reed Bait and Switch on this internet loan scam New York, New York

29th of Dec, 2011 by User400670

I applied for a loan on their website and had an email that stated I was approved and to call Caroline Kennedy at 855-233-2900 ext 327, which I did. She said it was a secured loan and that I would have to pay the first six months of payments that totaled $1,166.50 and it needed to be Western Unioned to a Wilhelmina McDonald in Miami and that was the courier for the loan company. Now I am a very smart person, but for this giving my situation and going through a divorce, I acted on emotions and sent the money on 10/31/2011. Realizing afterwards that this was wrong and did not feel right. I called that night and a Ruth answered and said it will fund the next day or 24 hours from the transaction. The next day came and I just knew I was scammed as I called once they opened and Caroline called me and said it would fund by noon on 11/1/2011, but never did. So I called at 1:00 pm that day and spoke to Ruth who said she was the office manager and that looking over my account, that it was on hold. I read this on a scam blog for this company that they would ask for additional funds, which she did. Ruth said that there is a currency conversion of $672 dollars as the money was coming from the Caymen Islands and I refused to send it. Told her that the contract that I signed (the paperwork they send over looked very legitimate)said nothing of this and that if there was a fee they would need to deduct it from the loan proceeds as required by law. They refused and I said I will be contacting my lawyer for breach of contract. She said she would refund my $1,277.50 to me,but it would take 15 days and it would be by check. That was thirty days ago and the phone number is no longer in use I think. I am hurt, scammed and embarrased that this happened and just want my money back, but most of all I want them to not be able to run this scam anymore and pay for their deliberate defrauding of consumers.

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