Step One Financial Services
Queja 7832 Detalles
- Fecha cuando ocurrió 07/26/2013
- Daños Reportados: $1,311.00
- !
The complaint is against an online dating profile
The complaint is a listing fraud posted on public forums or sites against an anonymous entity
The complaint is mobile text spam or smishing related against an anonymous entity
The company or person contact no longer exists
International boundaries
I need a loan and applied through their website (steponefinancial.com). They called me back a couple days later and said I was suprised for the $10,000.00 loan I needed. The woman Megan Jones explained to me that they work with private lenders. She explained that because of my bad credit that a deposit would be required before they could send me my check and emailed me a contact, which I read over thoroughly, and it looked legit, and signed it. Before I sent it back to her I asked her a few questions about the business and the lender and she assured me that they were a real business and most scams involved foreign telemarketers from out of the country (valid point) so I did research online and even went to the BBB website only to find that everything was supposedly legit. So I sent the contract backby fax. I couldn't get in touch with Megan's extension and decided to press 0 for the operator and Jason Samuels answered and told me that Megan was out with pneumonia, and he could handle my transaction. I asked him a series of questions to make sure and he seemed to know what he was talking about. He told me my lenders name was Shatorra Mingand she lived in New York. I looked her up and found she had a myspace, facebook, and twitter account and that she made over $250,000 a year. I sent them the $1311.00 deposit and faxed them codes of both receipts (written and printed). He actually answered the phone, confirmed that he received them and told me my check would be here in 2-3 days. I never f received a check and I can't get in touch with anyone at the office. I have a contract that states after I send then my deposit that I would be given s $10,000 loan by Bank of America check. I spent hours re-researching them to find that the domain expired 09/05/2009 and was re-created on godaddy.com 07/07/2011 and expires 07/07/12 and it belongs to Weiwei Lin in Ontario, Canada. I found out the address used and the phone number ge have godaddy and I plan to sure to the fullest extent
Update: 07/30/2011
I still have the full contract and the receipt I had to sell my camera to get the deposit, now im out of work because of it.
Comentarios
- Kaila SBID #N/A
- Publicado 07/30/2013
-
Attention: Kaila Jackson
Private and Confidential
DO NOT READ Personal Disclosure
Please forward to the above mentioned
Thank you.
Senior Loan Consultant: Ms. Megan Jones
July 18, 2011
RE: Loan
Dear Kaila Jackson:
Congratulations, for being approved by STEP ONE FINANCIAL SERVICES financial loan-offer program. You have been approved for a loan through a Private Lender. The total amount is payable over 3 years at a fixed amortized interest rate of 7.25 % and a monthly payment of $309.92 USD per month. Once we have received your Insurance Deposit totaling
$ 1200.00 USD, your $ 10,000.00 USD loan will be issued within 1 – 3 business days.
These terms and conditions are set forth to you by your Private Lender. We would like to take this time to thank you for accepting the terms and conditions negotiated on your behalf.
In order for the loan process to begin we must complete the verification process in order to verify necessary information with you. Once the verification and the additional corresponding documents have been transmitted, the process will have begun to get the ball rolling for the release of the loan.
NECESSARY REQUIREMENTS for verification
? Valid Identification (e.g. driver’s license or another piece of government issued identification)
? Proof of Income (e.g. pay stubs, employment letter or W2 from previous year)
? Proof of Address (e.g. most recent phone bill, satellite bill, utilities etc…)
Your terms and conditions have been negotiated for you based on the information provided on your application for credit referral. Our company is not held responsible for loan default with the lender; all applicants are insured through a private insurer. The policy protects the lender(s) against clients who are high-risk and against failure of payment, by any of the following reasons: untimely passing, loss of job, long and /or short-term disability and bankruptcy. A summary of these conditions has been attached in the following pages.
Any questions please do not hesitate to contact a Business representative at
1(888) 456-0772 EXT 103 or fax 1(866) 645-7202 you for your interest in STEP ONE FINANCIAL SERVICES and we look forward to serving you in the future.
Sincerely,
Jennifer Spencer
Vice President
July 18, 2011
Client(s) Name: Kaila Jackson
Terms of Loan
Loan $ 10,000.00 USD
Fixed Interest Rate: 7.25 %
Monthly Payment: $ 309.92 USD
Term: 3 Years
Dishonored payment fee. $ 29.00 USD
Additional monthly statement copy fee: $ 3
Insurance Deposit: $ 1200.00 USD
Terms and rates are subject to change upon advance notification as required by law.
Please be aware that, by accepting this offer, you agree that we will process any credit insurance request made with the terms of your loan negotiated on your behalf.
I understand that after the account is opened, my portion of the commingled insurance deposit funds will earn a 3.75 % interest per annum. Any interest earned will be added monthly to my insurance deposit funds and will constitute proceeds to securing my obligations. By submitting the loan agreement enclosed the applicant(s):
? Certifies that the information provided is true and correct and understands that STEP ONE FINANCIAL SERVICES will rely on this and other information in deciding to open a Business Loan, Account.
? Requests that the Company open an Account and issue the amount of $ 10,000.00 USD.
? Understands that if the offer was pre-approved and the application was incomplete or incorrect, or the address has changed, or the application included a co-applicant, the application became non-pre-approved.
? Understands that the information provided on the application will be used by Credit or our service vendors to (I) open, maintain, service, process, analyze, and audit your account; and (ii) provide security for your account, protect you from identity theft, fraud, and unauthorized access to your account. You will receive further information about STEP ONE FINANCIAL SERVICES privacy policy when you receive your Welcome Package.
Credit Information: STEP ONE FINANCIAL SERVICES (L.C.I) may confirm the information set out in the application. STEP ONE FINANCIAL SERVICES and its affiliates and agents may share such information with credit reporting agencies, credit bureaus and any person, corporation, firm or enterprise with which the applicant has a financial relationship.
Client(s) Name: Date:
TO: Kaila Jackson
We are in receipt of all relevant documents as stated by STEP ONE FINANCIAL SERVICES. At this point you are required to send your insurance deposit of $ 1200.00 USD. This insurance deposit will be held in trust, to acquire your insurance policy to secure your loan.
The final processing of your loan from this point will take approximately 1-3 business days. In order to ensure prompt and accurate delivery of your loan, please read the following options and indicate your preference.
You can obtain your funds using either one of these options:
• Sent to you via courier (e.g. FedEx, Ups) 2-3 days
• Direct Deposit in your banking account, which will take 24-48 hours
(Please choose one of the following options, for accuracy please print neatly and clearly)
If you would like to receive your loan by courier, please complete this section:
? Name:
? Address:
? Delivery Time Preference:
? Contact Number:
If you would like direct deposit, please complete this section:
? Name of Bank:
? Bank Address:
? Routing Number:
? Account Number:
Note: The Loan Agreement, when received, is valid for a maximum of seven business days, after which time STEP ONE FINANCIAL SERVICES cannot guarantee the terms of the loan. It is your responsibility to correspond with your representative in regards to your account, until the disbursal of your loan.
Client(s) Name: Date:
Loan Agreement
July 18, 2011
Client(s) Name: Kaila Jackson Phone Number: (404) 769-8646
Loan Amount: $ 10,000.00 USD Monthly Payment: $ 309.92 USD
Terms: 3 Years Insurance Premium: $ 1200.00 USD
1) Interest in the Account; Ownership of Funds. I understand that the Account may be opened on an individual basis or jointly by two or more persons. STEP ONE FINANCIAL SERVICES may release Funds relating to joint Accounts upon instruction of any one of the persons in whose name a joint Account has been opened, and will not be liable to any other party to the joint Account for such release.
2) Promise to Pay. In return for this loan the borrower has been granted. The borrower shall sign in promise to pay $ 10,000.00 USD plus 7.25 % fixed interest, to the lender. The borrower understands that the lender may transfer this note at any payments under this Note is known as the “Note Holder”.
3) Security of Loan: I understand and agree that the $ 1200.00 USD that I provide with my legally binding documentation for a secured loan and all funds now or hereafter delivered by me to pursuant to this account at a depository institution (“Depository”), the deposits of which are insured by the Federal Deposit Insurance Corporation (“FDIC”) over which I will have no right of withdrawal (“Insurance Deposit Account”). The Insurance Deposit Funds will secure to Credit and/or LCI Insurance Group, the full performance and payment of my obligations (the (“Obligations”) under the agreement governing the Business Loan Account with Credit (“Account”). The Insurance Deposit Funds will be secured by the FDIC to the maximum extent permitted by law. Funds will begin to accrue a 3.75 % interest increase when deposited by the Depository in the Deposit Account.
4) Monthly Payments. I understand that I will make a monthly payment of $ 309.92 USD on the due date of each month, beginning (120) days after the receipt of loan or end (120) days earlier... I understand that I will make schedule payments for the period of 36 months until all principal and interest is paid. Monthly payments will be applied to the interest before principal. On the maturity date (last payment date) the borrower is subjected to pay all outstanding balances, in full to the Note Holder.
5) Return of Funds. STEP ONE FINANCIAL SERVICES agrees to return to me at my last known address on STEP ONE FINANCIAL SERVICES records any funds remaining in the Deposit Account within 30 days after the later of (I) the termination of my Account, or (ii) performance and payment in full of all of my Obligations.
6) Current Address. I understand that it is my duty to keep Credit informed of my current address and that STEP ONE FINANCIAL SERVICES will rely upon and use the last address provided to it by US Postal Service or me.
Client(s) Name:
Date:
Policy Type: This is to certify that the insurance policies listed below have been issued to the insured (Kaila Jackson) for the policy period of 3 Years indicated below, for the purpose of securing your loan. Notwithstanding, any requirement, term, or condition of any contract or any other document with respect to which this certificate may be issued or may pertain, the insurance afforded by the policies described herein is subject to all terms, exclusions and conditions as such policies.
Specified Uncertainties: Covers the policyholder against loss of income caused by the following.
TERMS OF COVERAGE:
? DEATH: Protects against death caused by accidental occurrence. This also protects against death caused by medical affiliation to natural causes.
? LOSS OF JOB: Protects against loss of employment due to circumstances beyond one’s control, such as company layoff/cutbacks, and illness.
? LONG/SHORT TERM DISABILITY: Protects against medical disability for over a year. Must be medically diagnosed and fulfill the terms for recovery as specified by a qualified physician.
? Note: Complete Policy information will be sent to you with your Welcome Package on behalf of STEP ONE FINANCIAL SERVICES, your Private Lender and Step One Insurance.
Policyholder: Kaila Jackson
Insurance Premium: $ 1200.00
Term of Coverage: 3 Years
Loan Amount: $ 10,000.00
On behalf of Step One Insurance, we would like to welcome you as a valued client. Our customer service representatives at Step One Insurance will be responsible for handling all your account details, until the loan has been disbursed out to you. GOOD LUCK ON YOUR NEW FINANCIAL ENDEAVOUR!
Sincerely,
Steven Dickerson
President
-
- thumb up
- 1
- thumb down
- 0
- flag
- Sara SBID #N/A
- Publicado 08/11/2013
-
Kaila,
I was just contacted by Jason Samuels about a personal loan myself. I haven't called him back yet. What number do you have? -
- thumb up
- 1
- thumb down
- 0
- flag
- Kaila SBID #N/A
- Publicado 08/11/2013
- I have 888-456-0772 , but they may have changed their number though. I know they won't answer my calls. They more than likely screen them and they try to make you say your name... It may sound a little professional with the hold music and everything, but the website is beat down, simple and registered through godaddy.com by some asian guy named Lin Weiwei in Canada... If they have a new number please give it to me, I got some words for Jason.
-
- thumb up
- 0
- thumb down
- 0
- flag
- SM SBID #9c3deda4ba
- Publicado 07/27/2013
- Hi Kaila I know this post is 2 years old but did you ever get this issue resolved? Stuff like this really makes me upset I can't believe people do stuff like this I need a loan and I wonder if Magnum Credit Services is the same company.
-
- thumb up
- 0
- thumb down
- 0
- flag
Similar User Submitted Complaints ▼
Neilsen Company (US) LLC Queja 354199 for $0.00
-
I received a $1,500.00 check (#175425) in the mail 10/26/16; date issued 10/20/16 from NEILSEN...
-
Claudia
- Publicado el 10/27/2016
¿Tiene una queja?
Añadir una queja y correr la voz. Quejas de alto volumen tienen una mejor oportunidad para recuperar su dinero. Presentar un informe y unir fuerzas con otras personas como usted!
Presente Una Queja AhoraResumen del Perfil de la Empresa
EstadÌsticas de la Empresa
- Queja Contra Step One Financial Services
- Quejas Presentadas: 1
- Daños Reportados: $1,311.00
What is SBID?
SBID is a unique id code that identifies the user's computer and location. SBID is used to prevent fraudulent postings and help our community find users who create duplicate user accounts.