Consumer complaint received 2016-03-18
Company: MNE Services, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was and had been in need of some funds for substantial needs of food and bills. I had been looking for a loan online and several financial institutions. However, due to my income that has and only consisted of Social Security XXXX Benefits because of my XXXX that XXXX each year as I get older. After already dealing with a type of scam previously, I am very cautious about certain possible felonious offers for any assistance. So that being said, I received an email from US FastCash loan services which by the email was endorsed by the XXXX and another prevalent business. The email offered me an approved loan of {$7000.00} with a 28 month term and a {$270.00} monthly payment ( I still have this email saved for future reference ). After calling and trying to get these much needed funds, I was asked for my account routing and account number for them to deduct the 275 monthly payment due ( this did n't raise any flags for me due to the fact that I have given this same information before to companies to pay for other items I have purchased and any borrowed funds from previous short term loans for a bill or cash for necessities. After never receiving any funds and my bank account balances at XXXX XXXX XXXX began to change, not to mention my Checking Account had a balance of $ XXXX, I called my bank to be informed that they intentionally made that my balance on purpose so I would contact them to question this ridiculous transaction. I explained what I had done ( in all actuality, they knew I was trying to get a short term loan deposited ). I was immediately informed that my account was being closed for giving a company my account and routing number. I tried to explain I 've gave this information out before in order order to pay my bills. This was my only account and the only way for me to receive my Social Security XXXX Benefits which is my only means of income due to the XXXX effects of XXXX I deal with on a daily basis. The closure of my account caused my XXXX benefits to be delayed, which caused a snowball effect of the payment of my monthly bills bills needed to survive including rent, water, power, groceries, doctor appointments and medications just to name a few. I do n't feel that the decision to close my account was called for and I was never given the option of closing the vulnerable account for a new one so I could receive my benefits and condolences was never ever expressed to me as a victim. I WAS THE VICTIM OF THIS FRAUDULENT SCHEME. I was made to feel like it was all my fault. It was very unfair, detrimental, and has caused me a lot of pain and suffering. I do n't know the laws very well within the financial institutions,, but I know I was n't treated fairly or respectfully and honestly I feel some legal or procedural actions from XXXX XXXX XXXX were broken and violated. I was violated not only by by the bank but the scam as well. I hope there is a way of getting the original email sent to you for my complaint. Please let me know how I can get the email offer to you from US FASTCASH. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation