I had a nightmare of a day when I found out someone stole my debt card and took a sweet vacation on my account, leaving me -$1000. The fraud department takes up to ten days to refund my money. My bills are overdue and I bit the bullet and contact a title loan place.
The lady over the phone was so sweet. I was crying so hard but she reassured me I would be okay and they would take care of me. She pre approved me for $4,000.
I go to the location nearest me with all my needed documents. The lady at the counter was rude from the start.
She said that I shouldn’t have listened to the girl on the phone and that she didn’t know anything.
She also said she highly doubts I would get that much (great customer service).
I hand her my 3 months of bank statements and tell her about the recent fraud on my account with the attached report number.
She asks for pay stubs. I tell her I’m self employed. She said she needs pay stubs. I guess 3 months of deposits doesn’t count.
I told her I work on call for the VA and haven’t had a call in over a month and that’s the only pay stub I receive. I showed her My bank statements prove my full time income.
She rolled her eyes and asked what I do. (She looked at me like I was a drug dealing prostitute). Im a hospice nurse!
She said she was going to speak with her manager and walked away.
At this point I’m crying again. Thinking about how I am going to lose my house and nobody will help me. I’ve never felt so low.
She walks back and simply says “we can’t help you. You have no proof of income and fraud on your account”.
Wow. Merry Christmas to me.