Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #4338937
Complaint Overview
Complaint ID: 4338937
Company: 2288984 Ontario INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Georgia
ZIP Code: 30141
Date Received: 2021-04-29T12:00:00-05:00
Date Sent to Company: 2021-06-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.
Frequently Asked Questions
What is Complaint #4338937 about?
Complaint #4338937 was filed against 2288984 Ontario INC. regarding Payday loan, title loan, or personal loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2021-04-29T12:00:00-05:00.
How did 2288984 Ontario INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against 2288984 Ontario INC.?
Yes, visit the 2288984 Ontario INC. company profile at readthecomplaint.com/company/2288984-ontario-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.