I received calls from what was flagged as spam on my phone. Sometimes it happens to my doctor's office, so i called the number back, as it was a 405 area code.
The person who answered said that they were at an attorneys office, and i was called by a legal assistant, in regards to a loan from spot loan. The person had a bunch of my personal information, including the last 4 of my social, an address that i haven't lived at in over 7 years, etc...
They said they were going to be serving me paperwork and filing charges for theft of services, and loan fraud for an amount of approximately $700.00.
I didn't know what they were referring to, and advised them as much. She said something about a bank account that i used to have, which was closed due to identity theft, by a prior roommate.
This roommate also attempted, to take out credit cards in my name from macy's and nordstrom's, as well as get a phone through t-mobile. I received a bunch of credit denial letters, which had alerted me to this, and was reported to the credit bureaus at the time. I also closed that bank account as i was getting fraudulent charges on it.
I didn't continue the discussion, due to the fact that the time frame she said this loan was taken out, was during the time i was dealing with the identity theft. And when i explained this, she brought up the account i had closed due to this, as if it proved i took out a loan i did not. So i advised her, i would not be discussing the matter further, and hung up.
Apparently, from my small amount of research, this is an online loan company. Everything is done through a computer, and they do not verify who the person is, applying for the loan.
All the identity theft applications, were applied for online, in the last month or two that i lived at the address she brought up. It seems pretty scammy, that i have never seen this on my credit report, or heard of this company until today. But that she brought up it was applied for, during a time where i was experiencing identity theft, which was reported to the credit bureaus.
Not sure if anyone else, has dealt with this specific issue, with this company. But i wanted to file a report just in case.
In 2013 my ID , wallet , check card, and check book was stolen out of my car , approximately a year later in 2014 , a bill collector called in behalf of a place called SPOT LOAN ? Saying that I was in default on a loan I took out with them for the amount of $1700!
They had my old checking account information that was stolen which was immediately closed the next day due to being stolen , they claimed that a "Payment " was made from a CLOSED account! Supposedly the loan was taken out on line!
When I asked to see my supposed signature, they said it was electronically signed and the couldn’t produce any information pertaining to me being tied to the loan other than the checking account that was in my name, they have continued to harass me and members of my family to the point I’m seeking legal action against them !!
These people are are complete scam artist!!! This is a warning to anyone dealing with the people !!! They are CRIMINALS!!!!
Spotloan I just want to let you know how terrible of a company you are. spotloan the reason why I say that is because I just got off the phone with one of your representatives and I just recently had a disaster occur in my state that I live in and when I got my power turned on I received either an email or voicemail indicating that you guys were giving us a either credit from the taxes or the interest but I wasnt aware a phone had to be made to get this option every other major company did not require acess but for some reason spotloan unable to access. well nevertheless i was unable to make a phone call to you guys because I had no power I had no means of communication and when speaking to the representative she was saying oh it's too late now and I informed her that I had a weather disaster that occurred to me in my state. she said she understands oh I waited too late and that's the reason why I didn't receive it I should have called or emailed and I said to her how would that have happen with no power mama and did she had common sence and she has no common sense is very very stupid for even bring that up. the reason being is if a person has gone through a hurricane disaster how in the world will they have electricity let alone internet to be able to contact anyone. I shouldnt have tell her that the compassion and understand should of turn on some however I think it was very very stupid of her but thats who represent your businesses. i will be glad to be done with Spotloan and will never recommend anyone to Spotloan as a company. it would be in your best interest to educate your customer representative to be a bit more compassionate to a disaster situation because it's not my fault that i couldn't call because there was no power
I am a disabled person on ssi.I had applied for a spot loan on Oct 21 2016 to help pay off a household bill.when i took out loan it asked how much you could pay and what was my pay dates.The original amount of loan was 300$ with a 120$ payment due on the 3rd of each month.When i was approved it was took 3 days then my loan was deposited in my acct.Then i realized they wanted the first full monthly payment on nov 3rd 2016?It was only 9 days? So i emailed spotloan and was told if i wanted they could set up the first payment for dec 5th for 158$? I said that would be fine even thou that wasnt the agreement .I was desparate so i agreed.Then i recieve another email the next day they added the intrest wron it would be 161$ monthly starting dec 5th til april 2017.Today week before my loan is due i look online at my acct and it showes my acct as due as of date 11/28 444$ and 161$ due dec 5th?? Where did my loan go from 300$ to 444$ I emailed spot loan and haventheard anything yet ?? This is so wrong on many ways i hope that no more people are taken advantage of like this.Also if they dont correct this matter i will contact my bank because that is not the original payment or loan that i aggreed to and they are not allowed to fraudulently take money from my acct.
This website gives small loans, however they have an extremely high interest rate, so it takes forever to pay off any loan, and a small loan costs way more then it's principal. I read the small print on the website and I saw in very very tiny print after I had received my loan that this was one of those Native American loan things and I saw something about 450%. When I contacted the company about paying the whole thing off, they scheduled it, but then I had an issue where I could not obtain the money because a delay with transferring money in my bank. I contacted them, asking for a few more days to pay off the loan early, and asked if I could just go ahead with my regularly scheduled payment. They said we need 2 days notice for anything. I gave them notice the day before. All correspondence after that was ignored by them. They ignored me a lot. Terrible customer service and really deceiving terms that are very small on the website and hard to read.
After giving my bank information routing and Account number I was denied. They now have like full identity. I have to go cancel my account and open up a new checking account
I took a loan out through them like in January so on taking out the loan of 300.00 dollars I missed like three payments an when I talk to them they seem ok with an friendly so then I made up for cpl of payments so I ask for my balance for the three missed payments an it went from 285.00 too 400 after three payments so i was ok but then I made four payments of 49.00 which should bring me back down too 200 but then after that I said let me check my account it stated I owed almost 600 so after that they said if you need to miss a payment call them two days prior so I call them two days prior to my payment an they said That they couldn't stop the payment I called on Thursday an the payment was schedule for Monday they said it was a error in their system but to sum it up they caused my bank account to become negative so these's guys are a scam an I told my bank to stop payments cause they are a scam
800.00 yes was put in my account I thought it was from my daughter money she owed me, Put money in my account without permission
Fraud charges against this company I'm fighting cancer this happened the day our computer was hacked by a phony company we reported to Internet carrier
Spotloan Reviews
I received calls from what was flagged as spam on my phone. Sometimes it happens to my doctor's office, so i called the number back, as it was a 405 area code.
The person who answered said that they were at an attorneys office, and i was called by a legal assistant, in regards to a loan from spot loan. The person had a bunch of my personal information, including the last 4 of my social, an address that i haven't lived at in over 7 years, etc...
They said they were going to be serving me paperwork and filing charges for theft of services, and loan fraud for an amount of approximately $700.00.
I didn't know what they were referring to, and advised them as much. She said something about a bank account that i used to have, which was closed due to identity theft, by a prior roommate.
This roommate also attempted, to take out credit cards in my name from macy's and nordstrom's, as well as get a phone through t-mobile. I received a bunch of credit denial letters, which had alerted me to this, and was reported to the credit bureaus at the time. I also closed that bank account as i was getting fraudulent charges on it.
I didn't continue the discussion, due to the fact that the time frame she said this loan was taken out, was during the time i was dealing with the identity theft. And when i explained this, she brought up the account i had closed due to this, as if it proved i took out a loan i did not. So i advised her, i would not be discussing the matter further, and hung up.
Apparently, from my small amount of research, this is an online loan company. Everything is done through a computer, and they do not verify who the person is, applying for the loan.
All the identity theft applications, were applied for online, in the last month or two that i lived at the address she brought up. It seems pretty scammy, that i have never seen this on my credit report, or heard of this company until today. But that she brought up it was applied for, during a time where i was experiencing identity theft, which was reported to the credit bureaus.
Not sure if anyone else, has dealt with this specific issue, with this company. But i wanted to file a report just in case.
TO Whom It May Concern,
I been dealing with spotloan since 2010, and in 2013 they increase my inst rate on
loan. Which is more than loan sharking.
In 2013 my ID , wallet , check card, and check book was stolen out of my car , approximately a year later in 2014 , a bill collector called in behalf of a place called SPOT LOAN ? Saying that I was in default on a loan I took out with them for the amount of $1700!
They had my old checking account information that was stolen which was immediately closed the next day due to being stolen , they claimed that a "Payment " was made from a CLOSED account! Supposedly the loan was taken out on line!
When I asked to see my supposed signature, they said it was electronically signed and the couldn’t produce any information pertaining to me being tied to the loan other than the checking account that was in my name, they have continued to harass me and members of my family to the point I’m seeking legal action against them !!
These people are are complete scam artist!!! This is a warning to anyone dealing with the people !!! They are CRIMINALS!!!!
Spotloan I just want to let you know how terrible of a company you are. spotloan the reason why I say that is because I just got off the phone with one of your representatives and I just recently had a disaster occur in my state that I live in and when I got my power turned on I received either an email or voicemail indicating that you guys were giving us a either credit from the taxes or the interest but I wasnt aware a phone had to be made to get this option every other major company did not require acess but for some reason spotloan unable to access. well nevertheless i was unable to make a phone call to you guys because I had no power I had no means of communication and when speaking to the representative she was saying oh it's too late now and I informed her that I had a weather disaster that occurred to me in my state. she said she understands oh I waited too late and that's the reason why I didn't receive it I should have called or emailed and I said to her how would that have happen with no power mama and did she had common sence and she has no common sense is very very stupid for even bring that up. the reason being is if a person has gone through a hurricane disaster how in the world will they have electricity let alone internet to be able to contact anyone. I shouldnt have tell her that the compassion and understand should of turn on some however I think it was very very stupid of her but thats who represent your businesses. i will be glad to be done with Spotloan and will never recommend anyone to Spotloan as a company. it would be in your best interest to educate your customer representative to be a bit more compassionate to a disaster situation because it's not my fault that i couldn't call because there was no power
MR bond calls to say im going to get served at my house and employment says my wages are getting garnished and will call
family and friends
I am a disabled person on ssi.I had applied for a spot loan on Oct 21 2016 to help pay off a household bill.when i took out loan it asked how much you could pay and what was my pay dates.The original amount of loan was 300$ with a 120$ payment due on the 3rd of each month.When i was approved it was took 3 days then my loan was deposited in my acct.Then i realized they wanted the first full monthly payment on nov 3rd 2016?It was only 9 days? So i emailed spotloan and was told if i wanted they could set up the first payment for dec 5th for 158$? I said that would be fine even thou that wasnt the agreement .I was desparate so i agreed.Then i recieve another email the next day they added the intrest wron it would be 161$ monthly starting dec 5th til april 2017.Today week before my loan is due i look online at my acct and it showes my acct as due as of date 11/28 444$ and 161$ due dec 5th?? Where did my loan go from 300$ to 444$ I emailed spot loan and haventheard anything yet ?? This is so wrong on many ways i hope that no more people are taken advantage of like this.Also if they dont correct this matter i will contact my bank because that is not the original payment or loan that i aggreed to and they are not allowed to fraudulently take money from my acct.
This website gives small loans, however they have an extremely high interest rate, so it takes forever to pay off any loan, and a small loan costs way more then it's principal. I read the small print on the website and I saw in very very tiny print after I had received my loan that this was one of those Native American loan things and I saw something about 450%. When I contacted the company about paying the whole thing off, they scheduled it, but then I had an issue where I could not obtain the money because a delay with transferring money in my bank. I contacted them, asking for a few more days to pay off the loan early, and asked if I could just go ahead with my regularly scheduled payment. They said we need 2 days notice for anything. I gave them notice the day before. All correspondence after that was ignored by them. They ignored me a lot. Terrible customer service and really deceiving terms that are very small on the website and hard to read.
After giving my bank information routing and Account number I was denied. They now have like full identity. I have to go cancel my account and open up a new checking account
I took a loan out through them like in January so on taking out the loan of 300.00 dollars I missed like three payments an when I talk to them they seem ok with an friendly so then I made up for cpl of payments so I ask for my balance for the three missed payments an it went from 285.00 too 400 after three payments so i was ok but then I made four payments of 49.00 which should bring me back down too 200 but then after that I said let me check my account it stated I owed almost 600 so after that they said if you need to miss a payment call them two days prior so I call them two days prior to my payment an they said That they couldn't stop the payment I called on Thursday an the payment was schedule for Monday they said it was a error in their system but to sum it up they caused my bank account to become negative so these's guys are a scam an I told my bank to stop payments cause they are a scam
800.00 yes was put in my account I thought it was from my daughter money she owed me, Put money in my account without permission
Fraud charges against this company I'm fighting cancer this happened the day our computer was hacked by a phony company we reported to Internet carrier