Universal Loan Firm

The loan request was initiated last 11/2019. The loan advance fee was paid for $1150, lender issued the FAKE wire transfer and could not be reached.
Private lender default - Universal Loan Firm, /***

At the beginning of 11/2019, the private lender *** sent me the loan invitation by the online platform regarding the loan proposal. I was seeking a loan for my brother's home foreclosure.

- 11/29/2019 The monthly payment plan was received by the private lender , ***

- 12/4/2019The approval letter was issued for the loan amount of $30,000

- 12/5/2019 The loan payment of $700 was requested. I was told that it was the ONLY payment required for the loan advance fee.

- The $300 loan fee was paid by*** and followed by $400. Both amounts were paid.

- I requested his ID AND LENDER LICENSE by the emails.

- On 12/6/2019 The Fake receipt of the Wire transfer/*** was sent by email and told me that my bank would receive the wire transfer by next Monday, 12/9/2019.

- On the "Wire Transfer receipt, " there were plenty of the errors , including the date as 9/32/19? And no account number , etc..

- *** told me that he would go to the bank to redo it on 12/9/2019 (Monday)

- On the *** wire transfer receipt, my Account Number WAS WRONG.

- I was told on 12/11/2019 that $1600 was needed to paid for the insurance

- I did not respond and discontinued the communication with ***
- On April, 2020, *** sent me the text message and said he would refund the loan advance fee of $700

- He wanted me to open the*** account and linked the account to the bank. He would send convert the Coin to my bank account.

- After many attempts, he wanted to log in my *** account but the appl failed him

- For some reasons, the coinbase account did not allow me to use the link with the bank and the coinbase account.

- *** continued messaged me from June to July , 2020

- He mentioned that his Board will refund me the $700 loan fee

- In August, 2020, he said that he would issue the Guaranteed letter

- He asked for the $450 as the insurance as compared to $1600, he said that his company waived the most of the fee for me.

- I told him that I wanted to receive the $700 refund prior to any transaction.
- On 8/1/2020, *** told me that the Board can issue the Guaranteed letter for the previous loan requested.

- On 8/10/2020, The Guaranteed letter was signed with the Private lender name as *** was the loan officer.

- On 8/13/2020, The $450 was paid by*** address provided by ***. The receipt was provided.
- On 8/14/2020, the FAKE Wire transfer copy was received from ***
- The Account number was wrong and several emails were sent to *** on 8/15/20 to fix it. No response.
- On 8/16/2020 , received email from *** ( private lender) that the error will be looked into on 8/17/2020 Monday.

- On 8/17/2020, the second copy of the Wire Transfer contained many more errors, it looked like FAKE one, the name misspelled, the recipient address has the bank address on, the bank address column has another mysterious address etc...

- Received text message from *** that he would go to the rehab and will be released in 10/2020.

- On 8/18/20 and 8/19/20 , the bank indicated that NO transfer was received.

- Chains of emails and calls to *** by emails, NO RESPONSE.

I was approved for a loan with this company and executed an agreement for repayment. As sson as the origination fees were paid I was told I needed to pay an additional $420 for credit protection or the loan would not be funded. r