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Advance America Spoof

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Advance America Spoof Reports & Reviews (2)

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To get the loan they wanted me to take out 360.00 of insurance

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I was doing some shopping around on the internet for a personal loan. I received a call from scammer known as "Ray Gibson" who so called was an loan officer of Advance America. He called me and left me a voicemail message stating that I was approved for $5,000 loan. I called him back 2 days later and left him a message. He then returned my call telling me about the loan and told me since my credit score was under a certain score I had to pay insurance on this loan before the funds are released in my account. I said "well I don't have funds to pay for this insurance if I did I would not need this loan. Then he goes, don't worry about that part we are going to have our insurance company deposit the funds in your account and then his insurance department would instruct me on what do to from there. So before putting these funds in my account, he said he would need to verify my account information to make sure this was my account and the company needed my user id and password to my online banking account. I was uncomfortable giving him this information because I've received personal loans before and never had to do this process. Then he said this is a new process just to make sure its my account and I had nothing to worry about. He then proceeded that his insurance company was going to put the funds in my account. I let a couple days pass by without providing him with my bank information. I thought about it, thought about it and decided to go through with the loan. So on Friday, June 8th I contacted him and told him to send me documentation about the loan - he emailed me all the documentation that seemed pretty legit at that time. I looked up the company's website and everything seemed to be legit. So I proceed to give him all my account information my online ID and password. While I'm on the phone with he supposedly was verifying my account information. Once everything cleared he said okay my insurance company will put the phones in your account tomorrow morning and when the funds are in your account you need to call him asap so the insurance guy and tell me were to wire the funds. So Saturday morning, June 9th I received a notification from my bank that a mobile check deposit was deposited in my account for the amount of $925.11. The supposedly insurance guy called me at 6:30am that morning asking me if the funds were in my account and I told him yes they are. Then he goes, how close are you to a walmart so you can moneygram the insurance funds to me and then my loan officer can deposit the $5000 loan to your account. I told him 20 mins - so I went to my bank and withdrew the money. My fault that I never looked in my account to see where this money was coming from, but in a strange way I felt confident that this was a legit deal. He told me as soon as I complete the monegram to call him with the confirmation number. So now, both the Loan officer (Ray Gibson) and insurance guy (called himself Kenneth) kept calling my phone and wanted to know how long it was going to take me to complete the monegram. I started getting annoyed and Kenneth the insurance guy starts to text me. Then he goes "you need to purchase iTunes Gift Cards for $900 from Walmart and purchase the higher denomination card. When I saw that text come through my phone I knew at that very moment I was scammed. I called my fiance and told him what had happen and he said yeah they scammed you. So at this point I'm thinking Oh My God these people have my bank account info my log in info. My fiance did some research and there is a legit Advance America loan company - we've contacted them on the phone and talked to the office manager and she told us they do not do loan on line they do everything in their branch office. She said she is aware of these people trying to scam people and using their company name to persuade people. She said this has been going on for about a year now. She advise me to close my account because asap because these people will be taking money out of my account. I then when to my bank closed my account and open up a new account. So come to find out these scammers put a stolen mobile check in my account and had me withdraw the money from my account to send to them itunes gift cards. The merchant who the check belong to which I found out the check belonged to "National General". The bank wind up reversing my account for the $925.11 which caused my account to go into overdrawn status of which $105 are for overdrawn and returned item fees.

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