800-620-3813

I contact this company to get a loan . Signed a contract . Paid my part of what contract says. Then next told I had to pay insurance and they would pay other half . So I paid the half and next day told me I had to pay the other half . Then next day they said I had to pay more because fees were overseas fee and then today they ask for more . I said no and I want refund . Yes I know better but to late

they said i had to send three months payments to secure it and get the loan so i did then i was waiting for my money and didnt get it so i contacted them and they said it was an issue with their insurance so i had to send three hundred then i would get that added onto my loan so i did that then still didnt get anything from them so kept trying to call my rep and she wouldnt answer so i left a message saying either you give me my money or call me back asap and let me know whats going on or else other parties will be getting involved. then i finally received a call back but it wasnt my rep it was the so called manager and he told me that it was taking so long because my lender had to use his account from overseas so if i wanted the loan i had to send like almost four hundred dollars then i would get my money plus reimbursed for insurance fee and the overseas sending fee and i said no i need my money now ive waited for how long and ive missed payments because of you this is completely and utterly ridiculous either you find me A lender who will release the funds now or else i want a refund. he said ok ill try to find someone who will release the funds without an extra charge and i will get back to you. i said ok so the next day he called me back and said he found a lender who would be able to release the funds right away without an extra fee so i said ok and he then proceeded to say that this guy was maxed out and wouldnt be able to loan me my money till april 28th and i said well i cant wait that long i need my money now! he said well then ill get the refund process going and i said ok and he said it could take up to thirty day so i said fine. then it turned into thirty business days which would mean my refund date is may 27/28 and i said ok i want it back by western union because that is how i sent the money to you and he said ok we will discuss that on your refund date and i said ok so i waited like a week and called again and said it should not take thirty business days to get a western union and he said that was their refund process and still no money as of yet and i cant even get ahold off them anymore. i got screwed. screwed so bad i was missing like every payment i had to make calls to everyone and tell them my situation and set up a payment schedule and change my bank account and everything. im still having money issues and because of my missed mastercard payments i cant even get a loan to help me get ahead. i think im completely and utterly screwed thanks to this company

Same thing happen to me as the person that got srewed big time. I have recieved a call from a rep saying that i was approved for a loan and that all they need was three month payment and everything would be good so i did. Sign agreement forms and all and also ask rep if this was a scam and she promised me that it was not. So i paid the 300 and still was kind of scared about this but she assured me it was all legit with agreement papers . Then got a call from guy asking for more money i said no i have given y'all all my money that was suppose to go to my car payment. Told him want refund back then we called back told me my refund date. Now i tried calling them, number is no longer or they must have changed it . I think that we who all got scammed by this big lender company should do something bout it because of them we are behind bills while they seat in their fancy chairs laughing at people like us. Now that i remember my rep was Brenda morrison and i think the manager was a Mr.Watson please find out who they are get get are money back. Mr.Watson had a accent like if he was Jamaican or from Haiti. IT'S ARE MONEY AND WE WANT ARE DEPOSIT BACK NOW!!!!!!! Any one veiwing this lets make somthing happen a sue to this company

They did me the same way trying. To call. To get. Refund. Phone. Is disconnect. Those sons of [***]. I got. A Daughter. Battling. Cancer and. They took my damn. Money. I hope. They ducking die. A horrible. Death when I catch those [***] they will pay

Report them:  http://www.stopfraud.gov/

Report them:  http://www.stopfraud.gov/  Their activities sounds suspiciously like something you'd get from the Indian or Pakistani debt scammers.

I can't find any record of this company in the records of the Secretary of State of California.

http://www.jacobyandmiller.com/

800-620-3813  (Appears to have been disconnected)

Jacoby & Miller Financial Trust
1730 N. First Street 6th floor,
San Jose,
CA 95112

________________________________

This Business is not BBB Accredited

Jacoby & Miller Financial Trust

(800) 620-3713
1730 N 1st St Fl 6, San Jose, CA 95112-4508
http://www.jacobyandmiller.com

BBB® Non-Accredited D+ Rating
On a scale of A+ to F
- See more at: http://www.bbb.org/losangelessiliconvalley/bu ... h.bNRBjNXX.dpuf

Same thing happened to me . Suppose to receive my money tomorrow . But as yall know phone disconnected . I have a son with open heart and diabetes and I sold out truck to pay them money . I felt like it was legit because I signed a contract . I pray to god we get our money back and stop them from hurting anyone else

Advance fee loans are illegal, period.

http://www.consumer.ftc.gov/articles/0078-advance-fee-loans

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 you can start a business or consolidate your bills. But one who doesn’t care about your credit record should worry you. 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 grant firm offers of credit to anyone.

Fees that aren't 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.

And if a lender says they won’t check your credit history, but wants your personal information, like your Social Security number or bank account number? Go somewhere else. 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 by phone in the U.S. to promise you a loan or credit card 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 professional. Some scam artists have pretended to be the Better Business Bureau, a major bank, or another reputable organization; 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 money.

Finally, just because you’ve received a slick promotion, seen an ad for a loan or credit card 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 work hard to make you think they're legitimate, so it’s really important to do your homework.

Dealing with Debt
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 you 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 free or low-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs.

http://www.consumer.ftc.gov/articles/0153-choosing-credit-counselor

I didn't give any money until I signed a contract that is why I felt it was legit . So I guess your saying we will probably not receive or money back

I also have the copies and names of the people I takes to and the lenders names and addresses.

No, you won't get any money back.  It is illegal to ask anyone to pay money upfront in order to receive money - this is per federal law.  The only people who charge money upfront are scammers.

Soooooo, I take it nothing is being done about this. Scammed of nearly 1,000.00. Stupid me! Stupid scammers, I want my money back!!!!! This was over a year ago.

This is a scam.  You will NOT get your money back.  You should make a complaint to the California Attorney General.  You should also contact your own authorities.  Make a fraud complaint to your own law enforcement.  Print out a copy of this thread and give it to police.

See my entry dated 18 May 2015   This group was originally in San Jose California but I'm sure they are now long gone.

I agree! even though they got me like 3 years ago now I still can't over losing $800, Ughh

This caller just called my work asking for owner said he was So cal Edison and was sending someone to turn the power off if we didn't give them  money