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First Union Financial

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First Union Financial Reports & Reviews (2)

- Fenton, MO, USA

Applied for a loan via business website www.firstunionfinancial.com

Received an email from [email protected] on January 22, 2019 informing me that my loan was approved and Loan Representative Kimberly Allen at 1-855-744-9224 ext 252 would be contacting me to discuss the terms of the loan.

Received VM from Kimberly Allen on January 22, 2019 at 11:46am CST, "Hello this message is for Miss _______. My name is specifically Kim Allen and I'm just giving you a call from First Union Financial. I'm calling in regards to a loan approval that I have received here for you in the amount for $6,000.00. You can definitely give me a call back to discuss the terms and conditions of your loan at 1-855-744-9224 and my extension 252. Again that's 1-855-744-9224 and my extension 252. Thanks a lot and have a great day."

I called Ms. Kimberly Allen back on January 22, 2019 at 2:33pm CST (confirmed with AT&T official phone records) and left a VM for Ms. Kimberly Allen.

I called Ms. Kimberly Allen again on January 23, 2019 at 3:04pm CST and again at 3:05pm CST (confirmed with AT&T official phone records) and left a VM for Ms. Kimberly Allen.

I called Ms. Kimberly Allen again on January 25, 2019 at 10:00am CST (confirmed with AT&T official phone records) and a lady named "Carlett" answered the phone and explained that Ms. Allen has been out of the office with a family emergency and she has been assigned to answer Ms. Allen's extension 252. Carlett was happy to discuss the loan offer First Union Financial made. My three options were:

1. Have a non-relative cosigner added to my loan

2. Secure my loan with a vehicle title for a 2016 or new vehicle that I own in full with no title liens

3. Pay collateral of 3 monthly payments up front. She then further explained that my monthly payments would be $150 so I needed to pay $450.00 today and then my first payment would not be due until May of 2019 in which I'm also given a 30 day grace period to make first payment to be received no later than June of 2019.

She asked me which of those three options I wanted to go with so they could send a contract. I decided on option 3 - securing my loan with $450 collateral payment.

I received an email from Tanya Simons email address [email protected] on January 25, 2019 with a 6 page contract between myself and First Union Financial. I reviewed and e-signed the contract and it was dated 1/25/2019. I called Carlett back at 1-855-744-9224 ext 252 to ensure she received the e-signed contract. She confirmed that it was received and had gone through processing. She then gave me the information to make my $450 collateral payment. Based off my location (St. Louis, Missouri) my option was to use any Walgreens and send my $450 payment via Western Union to:

Aimee Tucker in Orlando, FL

She then informed me to send "Minute to Minute" and the Service Fee would be reimbursed to me and the time my loan funds are deposited in my account and to just keep the Western Union receipt. She instructed me to call immediately after making the payment to provide the tracking number so the payment could be processed and I would receive my loan funds one hour later.

The Western Union transaction was completed on January 25, 2019 at 1:08pm CST with verifiable tracking number.

Carlett was given the Western Union tracking number on January 25, 2019 at 1:11pm (verifiable with AT&T official phone records). Carlett said my loan funds would be directly deposited into my account within 1-3 hours. The funds were not in my account by 4:55pm CST so I called 1-855-744-9224 ext 252 at 4:55pm, 4:58pm, 5:01pm, 5:15pm, 5:18pm, 5:20pm, 5:27pm, 5:28pm, 5:29pm, 5:37pm, and 5:47pm and left several voicemails. At 5:56pm CST I dialed ext 100 for Client Care where I left another voicemail.

On January 26, 2019 at 9:39am CST I called 1-855-744-9224 ext 252 and received Ms. Kimberly Allen's voicemail. At 9:40am CST I dialed ext 100 for Client Care and left another Voicemail. At 10:46am CST I received a call back from a Client Care representative who reviewed my loan paperwork to figure out why I had not received my funds. After a 9 minute conversation, I was told that I had not received my funds because I had not paid the 9% taxes that needed to be paid by the borrower (me). She was very apologetic that my loan representative did not explain that to me when going over my contract and because of that, they were going to give me my first year interest free. She then informed me that I had to pay the 9% taxes of $540 via Western Union to Aimee Tucker in Orlando, Florida and to call her back with the tracking number once the payment was made so she could expedite the processing and have my loan funds deposited in my account within one hour.

The $540 Western Union transaction was made on January 26, 2019 at 12:56pm CST. I called 1-855-744-9224 ext 252 as instructed at 12:58pm, 1:08pm, 1:10pm, 1:13pm, 1:18pm, and finally at 1:22pm CST she answered the phone. I gave her the tracking number for the transaction and she assured me my loan funds would be deposited by end of business.

I continued checking my account on January 26, 2019 and January 27, 2019 and the funds were never deposited and their office is closed on Sunday (January 27th).

I called first thing Monday morning, January 28, 2019 at 7:59am, 8:01am, 8:03am, 8:04am, 8:09am, 8:12am, and at 8:46am CST Carlett finally answered the phone. She reviewed my account and apologized that they did not inform me on Friday or Saturday but I had to pay for Full Coverage Insurance on the loan which was mention in ONE sentence in my contract. This fee would be $1200 BUT since they failed to discuss this with me while going over my contract, they were going to give me my second year interest free. So now the first two years of my loan were interest free from their failure to effectively discuss the terms of my loan with me. I explained to Carlett that I did not have $1200 as I have already paid $450 for collateral and $540 for taxes. She placed me on hold to see if the Legal Department would waive or negotiate the policy to a smaller amount. After 22 minutes she told me they would deduct what I paid in collateral from the $1200 policy leaving me with a payment due of $750 for the Full Coverage Insurance.

Carlett told me instead of sending the payment to Aimee Tucker in Orlando, Florida to send it to Aimee Grayson in Orlando, Florida because that is her married name and she has all of her identification changed from Tucker to Grayson and to prevent any further delay with my loan funds to send it with her married name of Grayson. I was again instructed to call Carlett back and give her the Western Union tracking number once the transaction was made.

On January 28, 2019 at 2:59pm CST I made the $750 transaction ($816 after minute to minute service fee that I'll be reimbursed for). I called to give Carlett the tracking number at 3:00pm, 3:01pm, 3:03pm, 3:05pm, 3:06pm, 3:08pm, 3:09pm, 3:11pm, 3:12pm, 3:15pm, 3:19pm, 3:22pm, 3:23pm, 3:25pm, 3:28pm, 3:29pm, 3:32pm, and finally at 3:34pm CST she answered the phone and I gave her the tracking number for that transaction. She told me that was it and the funds would be in my account within 1-3 hours and to call her back at 6:45 EST (one hour ahead of my CST) if the funds were not in my account yet. The funds were not in my account so I began calling as instructed at 5:36pm, 5:37pm, 5:40pm, 5:41pm, 5:42pm, 5:43pm, 5:44pm, 5:46pm, 5:48pm, 5:49pm, 5:50pm, 5:51pm, 5:53pm, 5:55pm, 5:56pm, 5:57pm, 5:58pm, 5:59pm, 6:00pm, and 6:02pm CST. No one ever answered my call and now their office is closed (7pm EST).

On January 29, 2019 I started calling again at 7:58am, 8:01am, 8:02am, 8:03am, 8:06am, 8:07am, 8:10am, 8:11am, 8:12am, 8:13am, 8:15am, 8:16am, 8:17am, 8:18am, 8:19am, 8:26am, 8:27am, 8:28am, 8:30am, 8:31am, 8:32am, 8:34am, 8:35am, 8:36am, 8:37am, 8:38am, 8:39am, 8:50am, 8:51am, 8:52am, 8:54am, 8:55am, 8:56am, 9:04am, 9:06am, 9:10am, 9:12am, 9:13am, 9:16am, 9:17am, 9:19am, 9:20am, 9:25am, 9:26am, 9:27am, 9:28am, 9:30am, 9:31am, 9:32am, 9:34am, 9:35am, 9:36am, 9:37am, 9:39am, 9:40am, 9:41am, 9:43am, 9:44am, AND FINALLY at 9:46am CST a gentleman answered ext 252. I told him I still had not received my loan funds. He placed me on hold to review my file. He returned to the line and seen that Carlett had made notes that my Full Coverage Insurance had been negotiated down to $750 from the original $1200 because they deducted what I had paid in collateral which was $450 but because of that now it looks like I'm short $450. He instructed me to call back at 2pm EST which is when Carlett would be back in the office so she could correct the error.

On January 29, 2019 I began calling at 1:00pm, 1:02pm, 1:03pm, 1:04pm, 1:06pm, 1:07pm, 1:08pm, 1:10pm, 1:11pm, 1:12pm, 1:13pm, 1:14pm, 1:15pm, and finally at 1:17pm CST Carlett answered the phone. She placed me on hold to review my file. When she returned to the line she apologized and said their Legal Department "jumped the gun" and never got approval from the lender to waiver $450 off the Full Coverage Insurance policy and said I would have to pay the remaining $450. I'm beyond mad at this point and demand my contract be escalated because I had already had to pay for what their employees screwed up. She told me she would speak with the Team Lead of their Legal Department at 4pm EST and to call back at 4:30pm EST to see if she is able to waive the remaining balance. I told her this was not good customer service as I have called well over one hundred times in the last 24 hours and no one ever answers the phone and I cannot leave a voicemail since Ms. Allen is out of the office. I demanded that someone call me back. Carlett then started saying, "I don't have time for this. I have other clients." etc. I'm pretty much in an internal outrage at this point trying to figure out how someone doesn't have time when they've not given me any time yet I've called for hours upon hours. Not to mention, I had made 3 prompt payments as instructed and delivered the needed tracking number immediately after making the transactions and I said, "Son of a *** this is ridiculous". Carlett disconnected the call at that point.

I called at 3:32pm CST and Carlett answered and I asked her what the Team Lead of Legal decided to do with the $450 "balance". She immediately stopped me and said she was no longer going to help me with my loan since I said a cuss word and insulted her intelligence and further explained that my two options were to pay the remaining $450 or to cancel my contract and they would refund me all of my money MINUS the minute to minute Western Union service fees in 30 (THIRTY) DAYS! I instantly started crying, I was completely frustrated and floored that after being nothing but cooperative with this company that I was now being treated this way. I asked her why it takes 30 days to get my money pack when they got their money in minutes. She said, "I don't have time for this, 30 days is our policy. What would you like to do?" I then asked, "if I pay the $450, are you 100% positive that this would be the last payment and I will receive my loan funds an hour later?" She said, "Yes!" so I asked her if she could please give me her word in writing and she said, "I do not have time for this." and hung up the phone.

On January 30, 2019 at 1:06pm CST I called and spoke with Carlett asking her if she could review my contract one last time and confirm that this $450 payment is truly the last payment I will have to make and to make sure there's nothing else in my contract that could prevent it from being processed. We reviewed my contract together and their was nothing else that would need to be paid or processed AFTER the $450 remaining balance from the Full Coverage Insurance. I then asked her when the payment would need to be made by and she said no later than Friday, Feb 1 because my contract was only good for one week (which we did read in my contract terms). She told me to call her first though so she could tell me which Executive Loan Specialist to send my payment to to ensure it would be processed the fastest way.

On January 31, 2019 at 3:27pm CST I called Carlett to find out who I send my payment to. She told me the only Executive Loan Officer that can guarantee 1-3 hour processing time is Chelsea Mitchell in Ontario, Canada and instructed me to call her with the tracking number as soon as the transaction was completed. The transaction was completed at 3:50pm CST and I called her at 3:50pm and got VM so called again at 3:53pm CST and Carlett answered this time and the tracking number was again provided to her. She thanked me and said that was it and my loan funds will be in my account for sure by the end of the day.

I continued to check throughout the night and into Friday morning on February 1, 2019 and the funds never hit my account. I called 1-855-744-9224 ext 252 and a lady answered the phone and sounded just like Carlett so I said, "Hi is this Carlett" and she said, "No, my name is Patricia". I explained what was going on to "Patricia" who placed me on hold to review my file. When she returned to the phone she told me that my contract is not complete because I need to pay an 8% brokerage fee since I did not make my payments within the one week time frame. I asked her to please pull out a calendar and count with her fingers from the date the contract is signed (which we were both looking at) dated 01/25/2019 and count to one week beyond that which would be 02/01/2019. ALL of my payments were made on or before January 31, 2019 - one made on 01/25/19, one made on 01/26/19, one made on 01/28/19, and one made on 01/31/2019. She said they use the date the offer was made which was January 22, 2019 when Ms. Kimberly Allen first called me. I explained NO OFFER was made to me until January 25, 2019 because Ms. Allen was out due to emergency and the first time an offer was made to me was January 25, 2019 which is why my CONTRACT is dated January 25, 2019. She told me there was nothing she could do and I would have to pay the 8% or cancel.

I cancelled and she said my refund would be deposited into my account on MARCH 15, 2019. I disputed that and demanded to speak to a manager in which case she said she was then manager so I demanded to speak with "her" manager and she said there is no one else I can speak to.

I disconnected the call and immediately called Western Union and opened a fraud claim. Then I went to my local police department as instructed by the Western Union Fraud Claim Specialist and provided the claim number with them, all Western Union receipts, my First Union Financial contract, and my phone records from AT&T.

Received Approval Email in regards to $10,000.00. But what stuck out was the low interest rate 7.75-8.0% and i had the option of three ways to secure loan.

Co-Signer

3month payment of $195=485.00+

Or Title of Equal Value if defaulted.

Can't find No Information on Company.

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