I got in contact with AmOne with hopes of getting out of my credit card debt.
Initially they told me I was “pre-approved” and it wouldn’t hurt my credit score to apply for a loan. My credit was already really bad and I didn’t need any help lowering it. They did a hard pull on my credit and impacted my score, of course. I was under the impression this was a for sure deal. Only to find out that all it does is show you how it should be done. They gave me a list of places to go and try for a loan. They charge you a fee to speak to a “specialist” who basically just gives you information you have access to for free on google or doing any basic research. It’s ridiculous!
I asked for a refund since clearly they gave me the impression that this was a completely different service and have yet to hear back from anyone. I’ve been scammed and don’t think I will ever see this money come back to me. It’s outrageous that they would do this to people who are already covered in debt. Shameful.
Beware!! I am not angry but feel like I have been scammed by Am One. I gave these ###s $199 per Trevor we could get a refund back if not happy. Janelle from Am One said they do not give out refunds. I know they are not a loan company but research banks and pass information on to you as a consumer. WRONG!! The banks are junk and you are better off going to a website and researching banks on your own. We have a 800 credit score but banks are very picky these days. We wanted a loan to roll all our doctor bills and few credit cards into one sum and Am One does not promise a loan but the banks are junk. If you did get a loan using them “Great”, but please do not lie for them and if you do work for AM One, “Please” do not post like your a consumer and got a loan. That is very misleading and gives hope to consumers. If they helped you in a time of need I am happy, but the people who did not get help I feel for.
I should have known better. First person (salesman) I spoke to was wonderful. I explained my situation to him and he said although there were no guarantees, that it should be ‘no problem’. I was very clear as to my circumstances and the amount that I needed. The actual consultant was brief, but he submitted two applications for me. Those people informed me that NO ONE would give me a loan with my circumstances, and most certainly not in the amount I needed. The consultant then said I could get a co-signer… and he would not be able to submit those applications but would give me instructions. They had told me that THEY did all the leg work. At any rate, that was $300 right down the tubes. I needed that $300!! Stupid me.
I used America One and was disappointed with the rate I received. I saw on the website they were advertising a 6.9% rate. Mine came back way higher, 9.5%. I have good credit. I don”t see why places post one rate and then give you another. It seems like alot of places do this. They told me I could get my money back if I was able to get a better rate somewhere else but I have no idea where to go, that”s why I retained there services. I guess Im out with my high rate.