About a week ago I went online and found cashnetusa.com and decided to apply for loan. However my loan was rejected. About two days later I get a call from a man claiming to be Mike **. He had a very heavy accent like that of someone from India or Pakistan. The number was ** and on my caller ID it indicated that the name belong to Patricia **. Anyway this person proceeded to tell me that I qualify for a $3,000 loan although I was only looking for 800 the time. I explained I didn't need that large amount and 800 will be fine but he told me 3000 was the minimum. With needing to get groceries and pay bills and get caught up on past due rent I took a chance and that's exactly what it was... a chance... So I let down my guard and gave all of my information including my online mobile banking info.
Mr. ** told me that my account to be verified before I will receive the entire $3,000. He told me that an initial deposit of anywhere from 500 to $1,000 would be deposited into my account and once it posted I was supposed to go to my bank and withdraw the money or do it at Walmart and then send him a wire via MoneyGram.
After 3 days I got an email from my bank letting me know that there was a hold on my account for approximately $1,330 and that there was another amount deposited of $887 that they could not collect on and that deposit was kicked out. Once the deposit was made Mr. ** called me immediately and told me I needed to get to the bank Walmart to wire the money as soon as possible because it was time sensitive. During the phone conversations I could tell that this was not a call center that my phone call with into because in a call center you normally would hear other employees talking on the phone and I didn't hear any of that. It was very quiet.
Mr. ** was very aggressive and pushy. I was told that our phone conversation will be recorded and if I accepted the terms of the loan offer that it would been as good as if I had actual signed documents. To make a long story short the deposit that went into my account actually cleared around 7 pm est. I will not be wiring this gentleman any money and hopefully this money will just fall off.
I was afraid of what might happen since this man had all of my information including my mobile banking info so I contacted my bank and told them what was going on and I asked them if they could give me a timeframe on how many days it take to find out if a deposit is fraudulent. I just asked them to close the account. I went back online and change my username and my password. My bank put a freeze on that existing account and set me up a new checking account. They are also sending me a new debit card. I feel somewhat relieved now but I hope this doesn't happen to anyone else. We all work too hard for the money that we make and it is sad that people will knowingly scam you out of your money and not care.