321Loans, Inc. Reviews

They are running a scam in that they are claiming a "non-profit" status and all they are doing is "assuming" your debt. It's another "shell game" with a new twist. They have many "buzz phrases" but at the end of the day they are not loaning money to folks with descent credit histories... They are "co-signing" your debt as one of their representatives put it. I am going to the FTC and the IRS with their twisted agenda. Won't see them around for long... BE VERY AWARE!

She is the Kindest and Helpful person I have worked with yet. Thank you! I am looking forward to being debt free and making my life what it should be. Thank you again. J. Schafer

I don't think I could have made it through the day without talking to her. I was already freaking out and so worried I couldn't even think straight. After my call with her I was so much more comfortable about the situation. She explained everything to me in detail to much more than my satisfaction she gave me some relief about my account.

I was called stupid on the phone and the manger would not give me his name. I called to change bank account information and no one answered. I left a message and no return calls. I called again to cancel my service since no one had return my call. I received emails and text messages about a return payment on a closed account. I called to see what i needed to do to cancel and they were like you are passed your 10 day grace period. I stated that I called twice. The lady said well we have been out of the office since the 23 and just got back in on the 30th. My payment was due on the 27th. The so call manager stated they tried to call me on the 27th and then turn around and say I called on the 27th and the reason I did not get an answer because I did not call the direct line. But yet I did not call the direct line and got transfer and a miracle happened.. they answered the phone. So not they talking bout they are going to put this on my credit as a late payment and default. SMH DO NOT DO BUSINESS WITH THEM AT ALL. Better off doing this myself.

All the information I needed to know was explained in detail. Excellent job, Rachelle!

URGENT!!!! I am a customer of HAG for almost two years now, for the last three weeks I have been trying to contact them and it only have a busy tone. I have also email them with not response back yet, my payments was supposed to be taken out this past 05/20/17 and has not come out of my account, that was when I stared to worried. I continue to call and busy tone still going on, I can't log in in to my RAM acct at all. I need help, I need to know what to do, I want my money back. This is unbelievable....

I am extremely disappointed and very angry with the Helping America Group. I have paid over 9,000 dollars towards my "debt settlement program". I kept asking where my money was going but there was never an answer. I was paying 250+ per month for over three years and now this. The waiting to speak with someone was forever listening to some pathetic music that made me want to throw my cell phone against the wall. Everyone who was conned should have their funds returned IN FULL! It is not right to have to pay twice. It's DOUBLE JEOPARDY!!! Hope whoever is involved in this mess is in PRISON!!! I don't know where to go from here. My heart goes out to everyone who has been scammed by these crooks.

I want to say that Sharon ext 1369 is a very positive and Knowledgeable Individual for 321 Loans. Thank you

I have had the pleasure of working with several great professionals with this company. However, Michael Combs and John Caceres are a dynamic duo! When I saw no light at the end of the tunnel, Michael must have spent hours on the phone gaining my confidence and helping me see how 321 would benefit me and my spouse, the most of all the things we were considering. Then along came John Caceres and made the transition so easy and stayed on the phone with me until everything was complete. It was easy to realize these two enjoy their job, but mostly love helping those who need help the most! Thanks Mike and John!!!

Its been 7 days already and nobody has returned my call or email. I don't trust this company wish I would have done more research before signing up. All I wanted was help to pay something off and every time I call they say they will have someone call me back right away.

Started the program with a 436 credit score. Twenty eight months later, I was able to get financed for my first home. Now my wife is happy, I'm happy, and I have a brand new lease on life......with a baby on the way! Can't be happier with the program. Two of my brothers are also in the program because of what happened. Thank you for all the help.

321Loans is a very difficult company to communicate with. The customer service people are very nice. So far the only real problems I have had are my fault. I didn't have enough in my bank account to make the payment and have been trying to make it ever since. I am just now getting it scheduled after a month. If not for that, I would probably be all right with the company.

They are slow with my accounts. When I call them, they answer all of my questions satisfactory.

Company is good and workable as well and they can take a work load as well

URGENT!! Please go onthe FTC website regarding HAG. I have been a customer for almost three years. I cannot believe this!! I am at a Loss. The company is being investigated by the FTC and the state of Florida.

IM NOT EVEN SURE WHERE TO START...FIRST OFF, I HOPE ALL INVOLVED IN THIS WHAT I WANT TO CALL LIKE A PONZI SCHEME, IS OK..WE ALL HAVE BEEN DUPED AND ITS A BIG NATIONWIDE SCAM...SO DONT FEEL ALONE...THANK GOD IT GOT SHUT DOWN SOONER THAN LATER..UNFORTUNATELY!..AS WE ALL INVOLVED WOULD LIKE TO THINK THAT MOST COMPANIES ARE HONEST AND FORTHCOMING, I GUESS WE WERE WRONG...WHAT A DISASTER..AS WE WERE ALL THINKING WE WERE GONNA BE OUT OF DEBT AND HAVE OUR CREDIT SCORES BACK IN ORDER, IN A TIMELY FASHION, WE COME TO FIND OUT THAT THE OWNERS OF THIS BERNIE MADDOF SCHEME ARE DRIVING NEW BMW'S, LEXUS,ETC. AND EATING LOBSTER, AND FILET MIGNON FOR A SNACK... TRAVELING, PARTYING, SHOPPING,. AND LIVING LARGE ON OUR DIME...IM BEYOND LIVID!...THANK GOD THE FTC HAS SHUT THIS SCAM DOWN WHEN THEY DID...I HAVE THIS SICK FEELING IN MY STOMACH ABOUT HOW HARD WE ALL HAVE WORKED TO MAKE THESE MONTHLY PAYMENTS AND THINKING THAT FINALLY I CAN GET BACK ON TRACK FINANCIALLY....ALL WE CAN DO NOW IS BASICALLY CONTACT AN ATTORNEY AND GET ADVICE ON WHAT TO DO..NEVER HAVE BEEN THRU SOMETHING LIKE THIS BEFORE..IT SUCKS BECAUSE ALL THAT MONEY COULD HAVE BEEN USED ON A REPUTABLE COMPANY BUT WHO THE HELL KNEW...WATCH AMERICAN GREED ON TV..ITS A GREAT SHOW ABOUT HOW PEOPLE SCAM MILLIONS OF DOLLARS FROM INNOCENTS SUCH AS ALL INVOLVED HERE...IM PRAYING EVERYDAY BECAUSE IM JUST STRESSED OUT AND HOPING FOR A GOOD OUTCOME..THEY SHOULD CONFISCATE EVERYTHING AND ANYTHING THAT THE PEOPLE BEING PROSECUTED OWN AND PAY OFF ALL OF THE DEBT THAT WE ALL HAVE..THAT WOULD SATISFY ME AS WELL AS THEM GOING TO JAIL AND NOT SEEING THE LIGHT OF DAY FOR A LONG TIME....TO THINK I TALKED TO THESE GUYS AND THEY HAD TO KNOW WHAT THEY WERE DOING WAS SO WRONG BUT YET LIED AND RIGGED STUFF TO MAKE IT BELIEVABLE....I FEEL SO NAIVE NOW...LETS PRAY FOR A GOOD OUTCOME AND STAY POSITIVE THAT WE EITHER GET REIMBURSED OR GET OUR DEBTS ALL PAID OFF. .WHAT ARE THE ODDS OF THAT?..CONTACT AN ATTORNEY FOR ADVICE..I THINK EVERYTHING IS UNDER LOCK N KEY SO WE COULDNT ACCESS ANYTHING IF WE WANTED TOO..WHEN THINGS GET TO TOUGH TO STAND, KNEEL!!!GOOD LUCK TO ALL...WERE ALL IN THIS SINKING SHIP TOGETHER...HANG ON!

I contacted 321 Financial 2 years ago when I was going through a tough time in my life. I lost my job and the credit card bills kept piling up. I got a hold of a specialist with Helping America Group and they set me up with a payment that I could afford and a program that would get me from where I was to where I am today rebuilding the entire way. Not only has my credit score increased, but I have had multiple debts dismissed that I had enrolled in the program. I would enroll my mother in this program if she was having difficulties. Truly a blessing. Thank you again Santino

321 has always gone out of their way to help me and, unlike other companies I have used, actually do what they say they will. I recommend them to anyone.

I was under the impression that this company would take over my debts and pay off those debts. I only added more debt to my credit score and put myself in more of a bind. I wouldn't recommend this company to any of my peers going through what I am going through. I will try to find a way to terminate my agreement and handle my finances in another way.

Great Job I rate you as 10

I started off in a bad way financially. My payments for different accounts were so high. Now with Helping America Group I am back to living my life without the stress and burden. Elizabeth and Rita are great!

Dinora was very helpful today, her help was 5 stars

Mr. Marcus and Mr. Smith are clearly violating the Fair Credit Reporting Act. This company sent me a mailer. The mailer contained my current revolving debt level, which they could have only gotten from either one of the credit bureaus, a data reseller, or theft. The credit bureaus and resellers are required by the FCRA to put in my file the names and addresses of every ultimate user (called "end-users" in the law) of my consumer credit report. Neither "321Loans, Inc", nor any of the other companies owned by Mr. Marcus and Mr. Smith appear as end-users on my bureau reports. Which means, unless "321Loans" stole the info, someone's lying to the bureaus, which is a violation of the law. More to the point, any time you send an unsolicited mailer using consumer credit information (like overall debt levels), you must include on the mailer the disclosure required by 15 USC 1681m. That didn't appear on the mailer from them. That's illegal. Don't trust a place like this, they don't follow the laws they claim to know so well. Hopefully, they will soon meet the fate of their fellow scammer Michael Ainbinder and his "Golden EG Ventures LLC".

When I call in I usually get one person repeatedly. That Agents name is Rita Daniels. She is an amazing csr, and is very direct and helps me understand all I need to know about my bill everytime I call. Very smart and intellectual customer rep, and she needs a raise! Give her a raise please, cause she definitely deserves one!!!

Wonderful service, great company. Especially Nicole Foreman. Walter Berryhill

I signed a contract with this company thinking thT my debt was going to be settled and I would finally get a little air to breath. I was completely wrong! They don't return phone calls or emails. I still have debt collectors and loan companies calling me everyday because there was no settlement between this company and no papers were mailed to them leading them to think that I was just not giving payments. I was mailed paper work for me give to my debt collectors. I am doing their job for them and paying them $350 a month. Now I don't know how to dig myself out of a bigger hole I created for trusting this company to help me consolidate my loans. Please avoid signing anything with this company and save yourselfs a headache and stress!!

Over two years into my payments and nearing the end of my $6,000 debt. I too was told I needed to be patient and this was a process. I was sued by one creditor, cost me an additional $300 to settle. My credit score was around 700 and now it's around 400. I told these bozos that I did not dispute the debt. All I wanted was for them to pay my creditors as I was keeping my end of the deal and making payments to them. I didn't care at that point if they violated my rights, I just wanted them paid so that my credit didn't go completely in the pooper. I paid nearly everything I owed and now I owe almost double from where I started. After not paying creditors over two years, I'm sure that they will not be willing negotiate anything I can afford. I'm 58 years old on SSDI. I am extremely low income and live paycheck to paycheck. Will we see any refunds from the money we paid? How long will that take? Years? In the meantime, what do we do? If anyone has any ideas, please share. All I can think of is making an appointment with a bankruptcy attorney. And of course that will cost another couple thousand dollars.

I've been enrolled for almost a year now and they have kept me up to date with my accounts. Everyone I have spoken to has been very helpful with my questions and concerns. I am very pleased with the services so far. Excellent service!

Great company and they assist all your needs. Highly recommend.

My name is cody mock from albuq nm. I have paid them a lot of money and have not seen anything happening on my behalf. And reading the replies on this blog from them every single one says we have been trying to reach you with no success. Anyone on here have a name of a good lawyer please email me. I need the money I payed hag back so I can take care of my credit cards. I had a 790 credit score before I signed up with them and now I have a 545 score all thanks to them. please give me a name of a lawyer. I'm sure there are a lot of lawsuits out there. And helping amarica group don't reply to this post that you have tried to reach me because we all know that is crap

Toni was patient and understanding of my needs and went above and beyond to meet my needs and ensure documents and emails was confirmed. She also gave me some additional information. Going step by step with me was great!

If you are ever lucky enough to get a call from Helping America group and you are in a financial bind listen to them and do it, it is great. they take the time and so much of it to explain everything and too stay up with you on a regular basis, I would be a wreck now if they had not called me out of the blue....thanks s to Ryan, Jovan, Helen Savat and Jonathon Caceres and all the other people there.

I was in quite a bind with interest rates on all my open accounts until I considered consolidation. 321 Loans INC definitely helped me get out of a big mess. Carmen Sansom, Rita Daniel amongst the other considerate, informative and kind staff at 321 helped me get my life back on track and away from worry and frustration. I now just pay one bill for all those accounts. Thank you 321 for all your services, especially for all the kindness that all your staff have given me, Bless to you all, Donald Murphy

Its a little over priced but when you need help getting out of debt and one low monthly payment suits you better then coming out of pocket for a large debt I think it is great. Rita knows what she is doing and I recommend her.

I was able to get a really good rate using them!

I have been trying since October to get a refund on my 1st payment that they took after I had sent in my 10 day Cancellation notice in September. I have called several times and each time told it will be submitted for higher review and refund. Send another email yesterday still no answer. Sent email a few weeks ago was promised they were working on it and to watch for their phone call this past week. No phone call. Alot of empty promises and no action. Do not tell me it is being resolved and someone will call me, just refund my money like your contract said it would within 10 business days! 2/16/2016 Like your comment below, check mailed on the 15th. I deposited your check and it was returned. Great company not only don't keep their word but write bad checks. Thanks a lot. You will be hearing from me further.

Toni was patient and understanding of my needs and went above and beyond to accommodate me and to give me some additional tips to benefit me when dealing with Creditors.

The worst company ever do not use beware I found out the hard way.

321financial really helped me when i just didn't know what to do anymore. i was up to my ears in debt, credit cards, loans, behind on payments. The calls from the debit collectors were enough to drive me crazy. The rep there was very patient with me and helped me get all the paperwork together. I have been using them for a few months now and my credit score has gone up. The debt collectors have stopped and I have just one payment monthly now. I even recommended my sister and they are helping her now. Only thing is the customer service line is always busy and I have to wait. But all and all I'm happy with the service.

just starting with this and so far very good. looking forward to being debt free. Johnathan was very helpful today and worked with us to get things going. so far satisfied. Mountain City Tn Family

I feel like for the first time there is a light at the end of the tunnel. I have never been one to give in and am more than willing to pay what I owe. It just seemed for a very long time that I would never be able to dig myself out. Now, because EVERY time I speak with someone at 321 Loans I feel confident in the job they are doing and know they are working hard. I see it because my calls are getting less frequent and my bills are getting resolved. Patience it paying off and I am thankful for everyone that helps me with questions and concerns. I know they value me as much as I value them and appreciate everything they are doing to get me back on track with my finances. Thank you!

I signed up with 321 Loans on March 14th. I ended up deciding not to go with the company because I personally wanted to take a different route to handling my finances. I was told by the person who signed me up that my policy would be cancelled and everything was taken care of. There was a little miscommunication where I did start receiving messages saying that I would be charged soon, and that there was a form I was supposed to have mailed to them in order to cancel. After attempting to contact the company, I was contacted back by a supervisor and sent a confirmation email that everything was cancelled and I have nothing to worry about. While I can't review the company itself as I ended up deciding not to go with them, I am happy that they were able to cancel everything for me even though I was misinformed about the cancellation policy and procedures. Edit: Since speaking with a supervisor and getting both an email and a voice recording confirming my cancellation, I did receive a phone call from my initial recruiter saying that he was proceeding and a 5 day payment reminder. Online, my loan status still shows as active. For now, I will leave the review at five stars and give the company a chance to get things handled, but if the payment is taken out of my account on the thirtieth despite the promises that it wouldn't be, I will be updating this review further. Update: They never did take the funds out of my account. However, here I am one month later, and the loan from them is showing on my credit report. When I check the site they originally gave me to check on the loan (which the link starts with 321 Loans, so Ronnie can't try to tell me that it's another lender doing it this time) it says that the loan is still open and active and that I'm two payments behind. It seems they properly cancelled the autopay, but did not cancel the loan itself. It never should have hit my credit report as I was told the loan was cancelled long before it was submitted into their systems, and it definitely shouldn't say I owe them money. My credit report shows that I have 100% on time payments, and if their failure to properly cancel a loan that I was guaranteed multiple times was cancelled affects that, I will be filing formal complaints to whatever agencies will listen.

I am being helped more than I thought I would be. Everything is fine at this point, J. Butler

Mr. Marcus has now changed his name on Facebook and who knows what else. There have been no updates since August on this case, and It looks like he and his wife are still going on nice beach vacations (presumably with our money) when all of their assets are supposed to be frozen? What gives?!? His new “name” is Jeremy Brisk and his little b**ch wife is Amanda Finley. These a**hats need to be brought to justice NOW! I’m tired of waiting for my $11,200 something back, and paying that same money to the actual creditor. SO WRONG!

I have been paying them to take care of my debt and it is not improving my credit at all, it has actually gone down almost 100 points since I have been with them. I am so ready to leave this company. Also I spent over an hour on the phone going in circles and was getting really irritated because of how I was talked too.

Every time I called they handle my account immediately. I would definitely recommend them to friends and relatives. I am looking forward to building my credit and being debt free.

321 FINANCIAL AND HELPING AMERICA GROUP ARE CROOKS DO NOT TRUST THEM WITH YOUR MONEY OR YOUR DEBT THEY WILL SCREW YOU. I have never stop getting phone calls from my creditors. I get calls from my creditor and I followed exactly what 321 financial gave me to say and question to ask, I finally asked my creditors if they received a letter for 321 or helping America in regards to my accounts and they said no. On top of that before I signed up I asked about an some accounts that my mom cosigned on and was told" yes that can be added on to the program", because I trusted it could be done I moved forward. Not only have they screwed my credit up but my mom’s accounts were kicked out of the program and it screwed up her credit too; not to mention they have put a 25K loan on my credit report, all to say they don’t pay the debt, they get it dismissed and they couldn’t take it off; So I told them to give me the 25k or pay my debt and I would make a monthly payment. Wait for it…….. They said no it’s like having a car you still pay for. So instead of having 25k of debt they have added the loan and have done nothing in regards to my debt and know I have a total of 50k on credit. I think we should get together and file a CLASS ACTION LAWSUIT, they are misleading and they’re ruining lives. I’m seeking council, if anyone want to come together on this my e-mail is [email protected] gmail.com

I am very unhappy so far. I am 1 month short of 2 years in this process with 321 Loans. I have 5 creditors they are supposed to be taking care of. I have paid them over $12,000 dollars to date, and I still have the same 5 creditors. They have not been paid a single penny. My total debt was about $20,000, so that is the loan amount that I am paying. That loan amount is in addition to the $20,000 I already owed, making my total debt $40,000. Customer service keeps telling me that this is a long process, be patient. The process could take 1 to 2 years. Well, here we are. I have been patient. Now I want results. I am to the point that I am considering legal action against 321 Loans. 1 of my creditors is suing me, and true to their word, 321 provided me a lawyer (for $300 extra. No problem). When I received a settlement proposal letter from 1 creditor, the lawyer suggested that I settle and asked me how much I am willing to settle for. Me. Not 321 Loans. So, either he doesn't understand what his role is, or I don't understand what I am paying for. I have paid so much money now, with no results. None.

Everyone I have talked to has been very helpful. I feel good in knowing that someone is there to help out with the creditors so I don't have to be bothered with the new annoying calls.

Just to let everyone know, HAG, 321Loans, etc are under investigation as mandated by US District Court Judge Ceceilia M. Altonaga. You will not get any one by phone as all assets have been frozen and Jonathan E. Perlman, Esq. is the court-appointed receiver. Visit Website: 321loansreceivership.com financialfreedomreceivership.com or call 1-888-982-4182

It was a 5 start rate because she soooo professional and helpful with me. She answered all of my questions made things clear. Thank you!

Ridley Jackson was such a great help to me.he made everything go so smoothly,he made it feel like I was talking to a great friend.this company needs more people like Ridley Jackson hands down one of the greatest experiences of this company so far. Joshua Taylor

I have been with the company for over a year. I read the contract but unfortunately didn't pick up on some of the things I should have. They are not very good on the communication front. Also... don't think that they are going to pay your debt off any time soon. I have called and begged and pleaded to get them to pay some things off. It isn't going to happen. They do take care of a few things like the letters and such to your debtors. I did this cause I wanted to do the HONEST thing and pay my debts but have help along the way. I can tell you that if I had to do it again I would definitely not do this program, because this is not a debt consolidation loan as advertised. If I could get out of it I would. One of the worst financial decisions I have ever made.

Bonita Dor was awesome kind and really professional. She helped me figure everything out and hopefully in a year I can say goodbye to my debt. These people are great! If your in debt and need to get out call it these guys!!!

My experience with my call was positive and I look forward to having 321Loans help me resolve my credit issues.

Hi, Curtis Brian McLilly and I have been trying to get a hold of you guys for the last week, but I have gotten no answer. I am now having legal action taken against me. I asked the last lady I talked to to give me a number so my creditors could call them but that number doesn't work either. I have paid great money to this company and I expect great service. I need a call asap so I can get some relief. They have no problem blowing up my phone for me to sign an agreement so why not pick up the phone. Truly saddened bout this company.

I decided to cancel my contract with 321financial, 321 loans or whatever they are going by within the 10 day grace period. Even after confirming cancellation, 321 loans drafted $483 from my account. After seversl attempts to collect my monies, 321 loans finally sent me a refund check in the amount of $493.93 which included an nsf fee they created. 6 days later tge check comes back. Per my bank, 321 loans issued me a check from an inactive account. Needless to say I am still out my money they owe, and new nsf fees have been added. Please dont do business with this company. I will be seeking legal advice.

My credit score is worse than it ever was, I have paid this company over $1500 and nothing has been done to pay the creditors. When I have received a call from 321, they just say stuff, but still nothing is done and I am truly unsatisfied with this company. Unfortunately there is a contract and they got me so far in debt now I will never be able to climb out of it.

I have been trying for days to find out why no one is answering the phones ? This is like dropping off of a cliff. I paid a lot of money and have not gotten any results. If anyone out their knows anything please tell me.

I was dealing with a financial nightmare and this company was the DREAM scenario I was looking for!If you are drowning in debt look at this company to be your LIFESAVER!!!

Jonathan was very helpful and took the time to explain the process in detail. Which was lacking from previous calls. I feel much better about the company and look forward to getting to the end. Jonathan is my go to guy now. He's the reason I'm still here.. Thanks, M.Knight

The communication needs to better concerning what is going on with the customer case. When I call to check the status of my case it's always the same answer. It seems like the agent is reading from a script. I received more calls, emails, and text about payment is due within ten days then I do about status of my case.

I just want to thank Helping America Group for all the help and assistance when I am in need. They helped me with my hardships and their kindness and patience is greatly appreciated. They are all my angels, and Elizabeth Enriquez is a sweetheart and very kind. Thank you so much! -CN

I AS A CUSTOMER. I AM VERYPLEASED WITH THE SERVICES & THE ABILITY OF EVERYONE TO BE SO HELPFUL IN ANY PROBLEM OR SITUATION THAT I HAVE ENCOUNTERED. I WOULD RECOMMEND THIS COMPANY TO ANYONE.