BBB Business Review
This Business is not BBB accredited
A & P Financial Loans
Phone: (877) 375-2022 Fax: (877) 904-0878 312 Walnut St, Cincinnati, OH 45202 View Additional Email Addresses ! A & P Financial Loans is Believed to Be Out of Business !
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This business claims to offer consumer loans if consumers pay various upfront fees before the funds are to be released. A consumer has complained to BBB that the business requested she wire money to pay for insurance to secure her loan. However, after paying the insurance, the business did not fund the loan as agreed. When the customer questioned the business about this, they told her that additional upfront funds were required. BBB has attempted to contact the business regarding the complaint, however mail has been returned due to "insufficient address" and the business has not responded to telephone messages.
The company is not registered as a lending institution with the Ohio Department of Commerce or registered as a legal business entity with the Ohio Secretary of State.
This business is not BBB accredited.
Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:
- This business has no rating because BBB has information indicating it is out of business.
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Customer Complaints Summary
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Advance Fee Brokers
The following Government Agency(s) or Association(s) may be able to provide you additional information:
Federal Trade Commission 600 Pennsylvania Avenue, NW, Washington DC 20580 Phone Number: 202-326-2222 or 1-877-382-4357 http://www.consumer.ftc.gov
BBB's experience with loan offers of this nature is that the consumer does not receive the promised loan after paying the required security deposit, administrative fees or insurance fees. No legitimate company will ask for funds in advance of a loan, nor will it ask for any fee to be wired to them directly by Western Union, Moneygram, or any other wire service. Fees incurred in a legitimate loan generally are deducted from the loan amount before the funds are dispersed.
BBB has attempted to contact the business, however mail has been returned due to "insufficient address" and the business has not responded to telephone messages. The company is not registered as a lending institution with the Ohio Department of Commerce or registered as a legal business entity with the Ohio Secretary of State.
Any individual or business owner who suspects that he or she may have been victimized by this scam should file a complaint with BBB. Victims are also strongly urged to contact their state's Attorney General's Office, their local police and the Federal Trade Commission (www.ftc.gov) at 877-382-4357 to file a complaint. If instructed to wire funds to Canada, victims can also contact the Canadian Anti-Fraud Center, otherwise known as PhoneBusters (www.phonebusters.com) by calling 1-888-495-8501.