Complaint
10/20/14. Scammers. Guaranteed loan approval. They contacted me by email said I was selected because I qualified for personal loan or credit card free
247loangroup.com of faLlsofneuse road raleigh contacted me via email. Stated I qualified for personal credit card or loan unsecured due to score qualifications. I read all rules, completed app. Was sent enail congrats many lenders want to finance you.
Desired Settlement
I expect 247loangroup to phone all three credit reporting agencies and tell them to remove their credit inquiry off my credit profile immediately! I want my money refunded immediately for credit scores they charged me for when I had current ones done, the company they sign you upto automatically for theft protection, credit reporting and so forth I want them to cancel it immediately or it will be reported as fraud! I want A statement for all three credit reporting agencies that this company after stating on their site does no credit check, to send me personally by mail that this company and all associated companies they have had do the same have been removed from my credit report! Again I shall report it to the government as fraud. I want their website information corrected to be accurate and true or I shall report it to the Internet cyber crimes division! I want a mailed letter of apology for their inaccurant false information leading people to sign up to profit them by kickbacks from this credit score reporting companies they use! I am a licensed web design/developer in Durham,NC and I know exactly what to do to have their site banned from****** unless all the above demands are met immediately! Thank you BBB for looking out for consumers this company is a complete scam artist! And take advantage by initiating contact on their own. I will settle for no less than the above demands as they are not going to hurt my current credit score by the mess they create in bulk reporting access!
Business Response
We do not guarantee approval anywhere on our site.
We match consumers with lenders based on the information they input on their application. One of the most important variables when determining where we route applications to is the consumer's credit scores. ALL of our lenders are able to make credit decisions without doing a hard credit pull. Therefore, when applying with us, there will not be any impact whatsoever on your credit score. Nor will there be any information listed on any of your credit reports as though having applied with us or any of our lenders. This is clearly stated on our website.
Since we route application based on credit scores, we provide an option for applicants to obtain their current, up-to-date credit scores. Many applicants either do not know their credit scores or haven't viewed their credit in quite some time. Therefore, providing a trusted on site option for consumers to obtain their credit scores and reports from is a logistic part of our business model. We do not handle any of the transactions related to the ************** offer. Any requests for cancellation need to be communicated directly with **************. This is clearly stated on every page of their sign-up process.
In conclusion, there is no fraud here. There is no scam. We process several thousand applications/day. I am requesting that this case be closed.
Consumer Response
Your emails sir are targeted audience emails! It just so happens that I am not a " bad credit" rated client! I have a current medium score and qualified for a ********! Now you state you match your " Lenders" with companies associated to your " company based on accurate information placed in the credit application, Then I would not first off have been charged for an already current full credit report and score that I have, and secondly you site information links verified, loans for people who are on social security! You did not by proof of your own site email response for more information on employment you sent, my info to companies who work within in the categories in opposition to categories, that I clearly placed on the application! Your site in fact bulked it out to high rate lending sites who required employment and verify employment and you sent a second email regarding asking for further information on employment which I have saved as well as your two initial emails! So that is the digital proof your site did not and does not in fact follow the protocol that you stated in your response nor on you web site period! So your response as it is proved as well your site does not direct the application information status to the particular groups that they fit but to a bulk of sites that are more or less payday loan type ventures! Maybe you should research the more than 10000 complaints on the Internet about your services because believe me they are all not simply excusable! And your site does not let you move beyond the forced sign up for secure source! When a personal already has their current full score so this is in fact proof again of you strict connection to a program that still did not provide any documentation to me personally of any score that they ever obtained! I am going forward with my complaint and as I stated, My next move from here is to notify ******. As a developer/ designer and optimization person I know what move needs to happen next visa vi you will not accept accountability and responsibility! For scammer people.
Final Business Response
We do not target only bad credit people. We help people of all good and bad credit types but unfortunately cannot help everyone. We do not guarantee approval. We absolutely have lenders that work with individuals that receive benefits.
There are several key variables lenders look at when determining approval including but not limited to loan amount compared to your total debt and income (can't apply for a loan you aren't going to be able to afford payments on), your employment history, residence history, open credit lines, payment history (lates and/or defaults), use of payday loans, etc.. We are not privy to the info as to why you were declined. Lenders do not provide that info. Btw, qualifications for an unsecured loan are VERY different than an FHA loan.
Obtaining your credit score from our trusted third party is totally optional and is provided for convenience for those that either do not know their scores or haven't viewed in some time.
We've addressed your complaints/concerns in your original filing as well as this one. I do apologize your experience was not what you were looking for and you didn't receive the financing you expected. We process several thousands apps/day. Our service is trusted and reliable with many of our clients are referrals and repeat clients.
Regards,
**************
