Consumer complaint received 2017-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MNE Services, Inc (NY)

On XX/XX/XXXX, I applied for a payday loan for {$1500.00} through a website I found through XXXX. OnXX/XX/XXXX, I received an e-mail from usfastcash with a loan approval letter that was attached to the e-mail that I was approved for a loan. On XX/XX/XXXX, I called to confirmed and and spoke to XXXX and I register my bank account at bofl federal account to have the loan sent to. XXXX told me that they do n't do business with that bank so he asked if I can have the loan processed through my credit card and I gave him my credit card information. XXXX  told me that in order to get the money that I must buy XXXX gift card for {$100.00} and pressured me that I must do it within 1 hour. I went to the rite-aid store and XXXX called me while I was in the store before I even had the chance to call him and asked me am I at the store. He told me to buy 4 XXXX gift cards worth up to {$400.00} and I must buy it through a credit card. The cashier told me that they only accept cash payments. so I left the store and XXXX on the phone and he started arguing with me asking me why did I have him on the phone at the cashier and did n't tell the cashier that I was buying the gift cards for my own personal use. I told him that instead of processing my money through my credit card I rather collect the loan through XXXX and he told me that its going to charge me {$100.00} at the check cashing place. So I called him 2 more times and he was always appearing to be very aggressive with me on the phone so he calmed down and told me that if I want to collect the laon through moneygram I must go buy 1 XXXX gift card for {$100.00}. I went to XXXX 's and bought 1 XXXX gift card of {$100.00} purchased through a credit card. I called XXXX again and gave him the code on the back of the card and find myself repeating the process several times because he was getting the numbers wrong. Within 5 minutes after being placed on hold I was then told by his manager that I must purchase 4 more gift cards of {$100.00} so I went to XXXX 's again and was told that I can not make credit card transactions over {$100.00} of the gift cards so XXXX called me again and asked did I buy the gift cards and I told him I could n't buy the gift cards with the credit card and it lead to an argument and I told him that I will report you then he threatened to tell him he is sending the police to my house to arrest me for threatening him and he is suing me so he hung up the phone on me, he calls again 5 minutes later and tell me to go to another store and buy those 4 XXXX gift cards {$100.00} each and I told him okay. He calls me 20 minutes later and ask me am I at the store yet and I told him I am on my way then he lied and told me that I was lying to him and I am at my residence which is a lie so he immediately called the police on me through 3 way then he hung up. XXXX calls again 5 minutes later with a police officer in my jurisdiction in a 3-way call and lied to the police that I was defrauding him, XXXX  also lied to me and the police officer that he called the XXXX store where I bought the XXXX gift card from because I e-mailed him the receipt of the purchased and said that someone at that XXXX  's location said I never made a purchase of XXXX gift cards. I explained to the ploice officer over the phone that I was trying to get a loan and was not frauding XXXX in any way so XXXX hanged up, 15 minutes later XXXX calls me again and tells me that the police wo n't be coming to my house because he claim to explain the police about the misunderstanding so he tells me to go buy just 1 XXXX gift card for {$100.00} and he cancelled the one I purchased earlier with a promise that he will reimburse me when he gives me my loan. I went to rite-aid again and purchased another XXXX gift card for {$100.00} which I paid in cash. I called XXXX again and told him that I purchased another gift card but this time it was 2 {$50.00} worth of gift cards and then he tells me I have to call him the next morning because the account services in his office was closed and it was approx. XXXX XXXX  when I made the call. This morning at around XXXX XXXX calls me and tell me that {$840.00} payment was made into my credit card. I looked into my credit card statement online and verify that and I became suspuscious with that transaction I called XXXX immediately to cancalled the payment and confirmed that I was not the person that made the {$840.00} transaction with the checking account ending XXXX. I called XXXX again to verify about the {$840.00} transaction which was made XX/XX/XXXX after I specificallt told him several times that I want the laon processed through XXXX. XXXX got aggressive with me on the phone telling me that I need to send him that {$840.00} back to him in order for him to give me the loan and tells me that I must purchased {$800.00} worth of XXXX gift cards {$100.00} each and I refused.