877-745-3437
Tyna B
Tyna B
2011-06-06 21:04:47
Unknown
Any clue where this is from?
Karla
Karla
2010-03-11 06:54:32
Unknown
havent
Karla
Karla
2010-03-11 06:51:46
Unknown
I put in the complaints but I received any feed back... I want these people to get caught I just my money back
Jueles
Jueles
2010-03-06 20:36:51
Unknown
Me too, but I think we're out of luck.
Blake
Blake
2010-02-12 02:27:50
Unknown
My name is Blakely Makofka in CANAda, and many times I have had my name mistakenly recorded as MAkoska
Karla
Karla
2010-02-06 00:03:13
Unknown
I just want my money back and what should we do so that these individuals get caught
lamet
lamet
2010-02-03 16:26:08
Unknown
ADVANCE FEE LOAN SCAMS - No loans at all They will take as much money as they can get you to send them.  But no loans - because they are not making loans - they are stealing money

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt028.shtm
FTC Consumer Alert

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
A different breed of "loan shark" is preying on unwary consumers by taking their money for the promise of a loan, credit card or other extension of credit.

Advertisements and promotions for advance-fee loans "guarantee" or suggest that there's a high likelihood of success that the loan will be awarded, regardless of the applicant's credit history. But, to take advantage of the offer, the consumer first has to pay a fee. And that's the catch: The consumer pays the fee, the scam artist takes off with the money, and the loan never materializes.

Legitimate guaranteed offers of credit do not require payments up front. Legitimate lenders may require consumers to pay application, appraisal or credit report fees, but these fees seldom are required before the lender is identified and the application completed. In addition, the fees generally are paid to the lender, not to the broker or arranger of the "guaranteed" loan.

Legitimate lenders may guarantee firm offers of credit to credit-worthy consumers, but they rarely do this before evaluating a consumer's creditworthiness.

Advertisements for advance-fee loans generally appear in the classified section of daily and weekly newspapers and magazines. Often, the ads feature "900" numbers, which result in charges on your phone bill. Advance-fee loans also are promoted through direct mail and radio and cable TV spots. The appearance of ads in media outlets that you recognize - like your local newspaper or radio station - is no guarantee of the legitimacy of the company behind the ad.

The Federal Trade Commission says you can avoid being bitten by advance-fee loan sharks: Here's how:

Don't pay for a promise. It's illegal for companies doing business by phone to promise you a loan and ask you to pay for it before they deliver.
Ignore any ad - or hang up on any caller - that guarantees a loan in exchange for an advance fee. Legitimate lenders never "guarantee" or say that you will receive a loan before you apply, especially if you have bad credit or no credit record.
Never give your credit card or bank account numbers, or Social Security Number, over the telephone unless you are familiar with the company and know why the information is necessary.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2000

Advance-Fee Loan Scams: ?Easy? Cash Offers Teach Hard Lessons
http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm

Facts for Consumers  
Advance-Fee Loan Scams: ?Easy? Cash Offers Teach Hard Lessons
Looking for a loan or credit card but don?t think you?ll qualify? Turned down by a bank because of your poor credit history?

You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The catch comes when you apply for the loan or credit card and find out you have to pay a fee in advance. According to the Federal Trade Commission (FTC), the nation?s consumer protection agency, that could be a tip-off to a rip-off. If you?re asked to pay a fee for the promise of a loan or credit card, you can count on the fact that you?re dealing with a scam artist. More than likely, you?ll get an application, or a stored value or debit card, instead of the loan or credit card.

The Signs of an Advance-Fee Loan Scam
The FTC says some red flags can tip you off to scam artists? tricks. For example:

A lender who isn?t interested in your credit history. A lender may offer loans or credit cards for many purposes ? for example, so a borrower can start a business or consolidate bill payments. But one who doesn?t care about your credit record should give you cause for concern. Ads that say ?Bad credit? No problem? or ?We don?t care about your past. You deserve a loan? or ?Get money fast? or even ?No hassle ? guaranteed? often indicate a scam.
Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they guarantee firm offers of credit ? even to creditworthy consumers.
Fees that are not disclosed clearly or prominently. Scam lenders may say you?ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you?re told it?s for ?insurance,? ?processing,? or just ?paperwork.?

Legitimate lenders often charge application, appraisal, or credit report fees. The differences? They disclose their fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.

It?s also a warning sign if a lender says they won?t check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. They may use your information to debit your bank account to pay a fee they?re hiding.
A loan that is offered by phone. It is illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they deliver.
A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look slick. Some scam artists have pretended to be the Better Business Bureau or another reputable organization, and some even produce forged paperwork or pay people to pretend to be references. Always get a company?s phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities.
A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General?s office or your state?s Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks.
A lender who asks you to wire money or pay an individual. Don?t make a payment for a loan or credit card directly to an individual; legitimate lenders don?t ask anyone to do that. In addition, don?t use a wire transfer service or send money orders for a loan. You have little recourse if there?s a problem with a wire transaction, and legitimate lenders don?t pressure their customers to wire funds.

Finally, just because you?ve received a slick promotion, seen an ad for a loan in a prominent place in your neighborhood or in your newspaper, on television or on the Internet, or heard one on the radio, don?t assume it?s a good deal ? or even legitimate. Scam artists like to operate on the premise of legitimacy by association, so it?s really important to do your homework.
Finding Low-Cost Help for Credit Problems
If you have debt problems, try to solve them with your creditors as soon as you realize you won?t be able to make your payments. If you can?t resolve the problems yourself or need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are low- or no-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. To learn more about dealing with debt, including how to select a credit counseling service, visit ftc.gov/credit.


Where to Complain
If you think you?ve had an experience with an advance-fee loan scam, report it to the FTC.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

April 2008
Karla
Karla
2010-02-03 15:25:58
Unknown
Does anybody  know if these individuals got caught or if we will ever get our money back
Karla
Karla
2010-01-15 01:52:17
Unknown
I put a formal complaint there too, but is there a way to find out that somehing will get done and that we will be able to get our money back?????????
james
james
2010-01-08 19:01:06
Unknown
you know if they have a national loan service who put a note on the webpage saying that it is a scam why cant they get us our damn money back, like come on it shouldnt be that hard to find one damn person, and i traced her address too and it also came back as sonnyvale california, but i wasnt sure if it was a real address so i didnt move on it... the police officer i made my police report throught told me that if there were enough people to make a complaint on www.ic3.gov then they would probably do a full investigation. Hopefully someone finds this person and we can all get some Justice!!!!!
Karla
Karla
2010-01-08 18:30:33
Unknown
What do we have to do to get our money back
Karla
Karla
2010-01-08 17:03:29
Unknown
She got me for 2400 dollars she wouldn't answer any of my calls or emails for my refund
Becky
Becky
2010-01-05 15:55:07
Unknown
If you look at the website www.loans-xpress.com it now has a note at the top saying that this company is a scam.
I hope Christina Bell goes to jail for all she has done to all of us. I feel really dumb knowing that I did this.
Becky
Becky
2010-01-05 15:44:16
Unknown
I did trace her ip address on her email nad it came back to: 1398 Crossman Ave, Sunnyvale, CA 94089.
Mailbox Domain    e.mx.mail.yahoo.com
IP    216.39.53.1
Country    United States
City    Sunnyvale
Latitude    37.4249
Longitude    -122.0074
ISP    AS14779
This was the info I got. I'm not sure if this is a good address or not.
Becky
Becky
2010-01-05 15:41:45
Unknown
Well, the same here. Christina Bell got $2010.40 from me and when I asked for a refund she told me I would get in back in 30 days. Now the phone number is not working. I keep emailing here. It has never come back as not deliverable so I'm guessing that her email is still up and running.
Julie
Julie
2009-12-28 18:56:17
Unknown
I filled out the complaint online that the FBI suggested and then it was sent to my local DA.  They sent me a letter said it didn't meet their criteria  for them to work on.  I have a call into the DA, but with the Holidays here, it will probably be next week before I hear anything.  I tried calling the 877-745-3437 about two weeks ago and again today and got a recording that it was temporarily unavailabel to try again in a few hours ... Hopefully that means these people got shut down.  I wish I knew for sure.
james
james
2009-12-16 16:50:01
Unknown
yah she told me that by the fiftenth then i would have my money back well i called yesterday and today and now the number is disconnected..i kind of figured that was going to happen though!
james
james
2009-12-10 18:24:56
Unknown
they told me that if i didnt receive my money back by the 15th then to call back and they will continue with an investigation so i would call and file a report at least, because the more reports filed they will understand that people are getting scammed and they can take care of this issue. has anyone received any of there money back from ms. bell or anything?
Chris
Chris
2009-12-09 22:49:50
Unknown
What was the number that you were able to reach her at?
Chris
Chris
2009-12-09 22:41:56
Unknown
I just got taken for the similiar amount. The guy I talked to was named Colin Nyunen. He promised me eveything as well. First I sent the $1000 to secure the loan and when I saw nothing deposited, I called back. At this point, he said I needed another $1000 to secure the loan. So after all of this, still no money deposited. I was able to get ahold of another so callled agent (Monica Landry) who said I needed to pay a "border tax" in order to complete my loan application. That was a week ago and I have seen nothing. I kept trying to call but no one would answer. Does anyone have any advice because I am out alot of money just like everyone else? I want to get these SOB's and make them pay everything we were promised!!!
Julie
Julie
2009-12-07 15:21:30
Unknown
James, let me know what the Vegas Police Dept says - if its good, I'll file also.
Julie
Julie
2009-12-07 15:20:07
Unknown
Be sure you have your police department call Western Union.  I tried to call them, she said she needed a police report from the police department.
james
james
2009-12-04 18:11:49
Unknown
yah i filed a police report with the local sherrifs and he gave me that website and i filed a report with the ic3 right away, im still going to file a police report with las vegas metro but im skeptical to if they are even out of las vegas now since everything else they are doing is fake, this just really sucks that this many people are getting scammed and no one is doing anything about it.
Julie
Julie
2009-12-04 17:22:46
Unknown
Please read my message above.  go to www.IC3.gov and file a complaint.
Julie
Julie
2009-12-04 17:20:45
Unknown
Glen, I just got off the phone with the FBI.  I told me to go to this website www.IC3.gov and enter an online complaint.  We will not be getting our money back, but if they get enough complaints, they can press charges and stop this.  

ANYONE READING THIS, IF YOU HAVE BEEN SCAMMED OR KNOW SOMEONE WHO HAS BEEN SCAMMED BY FWMB, PLEASE GO TO THIS WEBSITE AND FILE A COMPLAINT.

WWW.IC3.GOV
Julie
Julie
2009-12-04 15:47:35
Unknown
Did you trace the website and phone number?
Julie
Julie
2009-12-04 15:46:24
Unknown
I sent my money in October $2021, then $1617, to Ben Robertson in Canada then they wanted another Unrefundable $1200 to process it.  I told them I could not come up with anymore money, that is why I needed the loan to begin with.  Christina Bell told me they only process refunds on the 15th of each money and they would wire the money in my account no later than Nov. 30.  Well, its Dec 4th and no refund.  I tried to contact the Attorney General's office.  I got a recording.  The recording gave me several options because the Attorney General's office is too busy to work on every complaint.  I called Western Union, but they told me I had to file a police report. I'm thinking about calling our local TV channel - they have something called "crime stoppers" they try to investigate.  Maybe we should work together on this.
Julie
Julie
2009-12-03 14:18:05
Unknown
Debra, yes I put in First West Mortgage Bankers, at the time, it was an A+ rating.  Now its NR.
Julie Haynie
Julie Haynie
2009-12-03 14:16:18
Unknown
I was scammed also.  Did you have any luck getting your money back.  I was told I would get a refund within 30 - 45 days.
james
james
2009-12-02 20:23:53
Unknown
yeah i sent my money to a julian makofka in canada also it must bethe same person with different id`s or something. but i spoke with her today and she also tryed to get another 1600 out of me but i demanded to get my security deposit back or she would be hearing from my attorney and she said she would direct deposit it into my account... we will see! someone needs to stop this person, its not right to be doing this to people!!!
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