GE Capital Bank
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I went on line to apply for a loan . Then next thing I know I am getting a phone call. When I answered , the man on the other end of the phone said his name was Mike Smith from GE Capital Bank , and I was approved for a loan for up to 5,000.00 dollars . He ask me for how much did I need ? I told him only $2,000.00 . It ask me for how long a period of time ? I said for 12 months. He said that the payments would be $195.00 per month . I told him that would not be a problem . He then says everything is good to go and that his supervisor would be calling me back in approximately 10 minutes to verify things . I get a call from a man identifying himself as Ryan Pearson . He says that because of my past credit issues they need for me to show good faith in purchasing a green dot money pack filling it with the amount of the first months payment of $195.00 . So I did so and called him back to let him know . He asked for the code on the back of the pack and I gave it to him . He said that everything was good and that they would finish up my application and deposit the amount of the loan of $2,000.00 plus the $195.0 that I put on the card , and would call me back in about 45 minutes . He called me back and said that everything was good and that The money would be in my account for use in approximately 15 minutes . When I checked my account there was no deposit that had been made . So I called them back to inquire about the deposit . Ryan Pearson says that he needs to check in to things and that he will call me back within 10 minutes . He calls back and says that due to a rule by the federal trade commission I could only have a certain amount of outstanding debt and my deposit is being held up. Then he says for this to get approved I need to show good faith once again by depositing another $105.00 to make it an even $300.00 on my behalf . I did as he asked and got the additional $105.00 and called him back with the information on the money pack . As before he will call me back to let me know of the approval . He does call me back in about 30 minutes and says everything is O.K. and that the money has been deposited into my account and will be ready for use in approximately 15 minutes . Once again I have checked my account and there is no deposit of money there .