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Universal loan firm Reports & Reviews (2)

- Charlotte, NC, USA

Private lender default – Universal Loan Firm, /Carter Davies

At the beginning of 11/2019, the private lender Carter Davies sent me the loan invitation by the online platform regarding the loan proposal. I was seeking a loan for my brother’s home foreclosure.

- 11/29/2019 The monthly payment plan was received by the private lender , Carter Davies

- 12/4/2019The approval letter was issued for the loan amount of $30,000

- 12/5/2019 The loan payment of $700 was requested. I was told that it was the ONLY payment required for the loan advance fee.

- The $300 loan fee was paid by Cash Appl and followed by $400. Both amounts were paid.

- I requested his ID AND LENDER LICENSE by the emails.

- On 12/6/2019 The Fake receipt of the Wire transfer/Chase was sent by email and told me that my bank would receive the wire transfer by next Monday, 12/9/2019.

- On the “Wire Transfer receipt, “ there were plenty of the errors , including the date as 9/32/19? And no account number , etc..

- Carter Davies told me that he would go to the bank to redo it on 12/9/2019 (Monday)

- On the Bank of America wire transfer receipt, my Account Number WAS WRONG.

- I was told on 12/11/2019 that $1600 was needed to paid for the insurance

- I did not respond and discontinued the communication with Carter Davies

- On April, 2020, Carter sent me the text message and said he would refund the loan advance fee of $700

- He wanted me to open the Coinbase account and linked the account to the bank. He would send convert the Coin to my bank account.

- After many attempts, he wanted to log in my coinbase account but the appl failed him

- For some reasons, the coinbase account did not allow me to use the link with the bank and the coinbase account.

- Carter Davies continued messaged me from June to July , 2020

- He mentioned that his Board will refund me the $700 loan fee

- In August, 2020, he said that he would issue the Guaranteed letter

- He asked for the $450 as the insurance as compared to $1600, he said that his company waived the most of the fee for me.

- I told him that I wanted to receive the $700 refund prior to any transaction.

- On 8/1/2020, Carter Davies told me that the Board can issue the Guaranteed letter for the previous loan requested.

- On 8/10/2020, The Guaranteed letter was signed with the Private lender name as Benjamin Ako and Carter Davies was the loan officer.

- On 8/13/2020, The $450 was paid by Biticoin address provided by Carter Davies. The receipt was provided.

- On 8/14/2020, the FAKE Wire transfer copy was received from Carter Davies

- The Account number was wrong and several emails were sent to Carter Davies on 8/15/20 to fix it. No response.

- On 8/16/2020 , received email from Benjamin Ako ( private lender) that the error will be looked into on 8/17/2020 Monday.

- On 8/17/2020, the second copy of the Wire Transfer contained many more errors, it looked like FAKE one, the name misspelled, the recipient address has the bank address on, the bank address column has another mysterious address etc…

- Received text message from Carter Davies that he would go to the rehab and will be released in 10/2020.

- On 8/18/20 and 8/19/20 , the bank indicated that NO transfer was received.

- Chains of emails and calls to CarterDavies and to Benjamin Ako by emails, NO RESPONSE.

- Santa Clara, CA, USA

I was told to pay for origination fee for the loan. After getting approved. I was told I needed to pay for premium insurance in order to proceed with the loan. After the payment I was told I needed to pay for maintenance fee. After everything was paid, I waited for a month. They kept telling me that It has been process and I needed to wait 7 days. Between the 7 days supposedly the boss named ben told his loan agent named barry that I needed to accept an approval in the email of a tax credit and I will get the loan. Everything did not make sense. Everytime I request for a refund. I was told they will loose their money if they've already sent it. But it is all lies. I kept getting promises that I will receive the loan but there are always excuses from 1 after another. This buisness straight scammed me for my money and I never received the loan.

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