Cumberland Lending Services

Is Cumberland a payday loan company?

They are neither BBB accredited nor rated. The following link would take you to BBB's review on Cumberland Lending.

bbb.org/memphis/business-reviews/loans/cumberland-lending-in-memphis-tn-44043090

I do not believe so.

have they mentioned any upfront money?the reason i ask is because that name is ringing a bell.i smell SCAM,but that's just me.

yes they are asking for $1750 upfront collateral before the loan could be funded and I felt that was a bit strange. Do you suggest asking them for any information such as license number and tax id?

no they are a scam.the TN address is a front or shell.they are in CANADA.they are a scam.do not do it.if they call again tell the scam you have reconsidred.if they press,tell them you are aware it is a scam.US law prohibits upfront money for a loan.again this is a scam and you will not get any loan.

thank you so much for your information I really do appreciate it.

if i can save one person like yourself from being scammed it's worth it.

These scammers make me sick!!!!!!

Ditto ^^^^

These people are really the worst. I was trying to get money so that I could travel to school and like an idiot I wired them money, expecting that I would get a loan. I really thought that they were legit and they had an actual address and a website that looke real so I thought that this was ok. Anyway they said that the money was going to be wired into my account on monday and then on the day that the money was suppossed to be deposited they called and said that there insurance company had reevaluated my application and that they could not give me a loan based on my 5 mo. up front payment, and they could give me the loan if I paid 5 more months up front, or they could "look" for another loan company to give me my loan, I told them that they were not going to get any more money from me and that they better look for another loan. On Thursday they called and said that they had found a loan for me and they faxed a second contract for me to sign and then they said that it would be in my account friday night, saturday morning. Of course it wasnt and when I called monday they said it was going to be in my account that evening, of course I wasnt suprised when it wasnt there. What makes this entire situation really crappy is the fact that they kept on leading me on, that they returned my phone calls, that they gave me hope, and that they took away valuable time that I could be looking for another solution. The people are really a piece of work.

So I was desperate to get money so that I could travel to the college that I got accepted to, and when these people called me I was estatic because I was getting rejected everywhere else because my credit history was not long enough. They asked for 5 mo. upfront payment that would serve as collateral, and that I could either wire them the money, or I could send them a check. Since I needed the money asap I wired it to them like an idiot. They honestly seemed like a real company, they had a "real" address, a website, and they faxed me a contract to sign. They told me that on monday the funds would be deposited into my account, but then they called me on monday and said that they reevaluated my account and the lender did not feel comfortable giving me the money based on my down payment. They then proceeded to tell me that they could give me money back ( but that could take up to a month), they could give me the loan if I put another 5 mos. down, or they could find another lender for me that would agree to not reevaluate my application. I told them that they were not getting any more money from me and that they better find me a loan somewhere. On Thursday they called and said that they found a loan, and they sent more contracts over for me to sign and they said the funds would be deposited friday night, saturday morning, they werent. I called on monday and "Anthony" said that there was a mix up and that they would make sure that the money was in my account that night, needless to say I wasnt supprised when it wasnt. What makes this situation so bad is the fact that they led me on for so long, they acted like they cared, they took my money, they wasted valuable time of mine that I could have been using to find a situation to my problem. They are the ultimate sleeze balls. The icing on top of the cake is that when I went to the police they were very condescening, and they made me feel like I was bad guy and not the victim.

i thought my first post didnt go through, sorry

So I wanted to let everyone know what a real piece of work that these people really are. I called "Anthony" the manager of "Customer Service" and he informed me that I slandered Cumberland Lending Services name on this website and that they were no longer going to give me the "loan" because of what I posted here because it was so slanderous. When I asked why the money wasn???t in my account on Monday night like he said it was supposed to be he would not give me an explanation other than that I am an "impatient little girl," and that the CEO of the company decided to not deposit the loan because of what I said Monday night. I told him that I would have never had said anything to anybody if the funds had been deposited like they were supposed to be. What amazes me is that they keep on insisting that they are a legitimate company and that this is not an advance fee loan scam at all and after I questioned them about there address in TN they insisted that it was correct, even though the BBB just contacted me saying that they are not there. Another thing that irks me is that it seems like they are going to get away with what they are doing because the FTC wont take action against them unless multiple people complain. This seems a bit crazy to me, wouldn???t the government want to stop people like them before anyone else gets scammed?

I was contacted by Cumberland Scamming offering me a loan for $8,000.00 for a small fee of $730.00 which was sent via moneygram to a Faith Waters in Winnipeg Manitoba. Frank Turner the agent then turned me over to Anthony Stewart in customer service. When the money wasn't deposited as promised I contacted Mr. Stewart and was told that my application had been re-assesed and they needed another $730.00 to insure the loan. When I asked him why the money was going to Canada he told me they had to use a Canadian lender. Again, like an ldlot I sent the money on Saturday to Faith Waters in Winnipeg Manitoba and was told the loan would be direct deposited to my account on monday. When the funds still didn't arrive I tried to contact the office numerous times but was told by the automated system that neither Frank Turner or Anthony Stewart were available. This went on for two days and I filed complaints with the Michigan State Police, the Tennessee State Police, The F.B.I., the Royal Canadian Mounted Police, the B.B.B., and another organization- I also know someone who is a U.S. Marshall whom I will be talking to today. When I finally got ahold of Anthony Stewart and asked what was going on he said he just got out of another meeting- how many times I heard that- and he had my file in front of him. When I informed him that I had filed complaints and criminal charges he was astounded and became belligerant insisting that they were not a fly-by-night scam company and that I was more than welcome to come and see them at their Memphis, Tenn. address which the B.B.B. also told me was BOGUS!!! The B.B.B. says they are in Canada! That would explain Faith Waters. Anthony Stewart asked me if I wanted the loan or not and I told him no as I didn't believe they were a legitamate business and I demanded a full immedite refund. He said they couldn't refund my money until the end of the month. I can almost bet the phone is turned off when I call in the next couple of days. Once they have scammed you they have your phone and name on e-file and when you call the automated system asks for your name and they won't take your calls. Also, I was never faxed any paperwork or documents even though Anthony Stewart insists that I was. The phone line on the fax machine will have anything sent or received on the bill. Just for the record, up-front loan payments are illegal here in Michigan and alot of other states. BEWARE OF THIS BOGUS COMPANY!!! My next step will be the F.T.C. after I talk to the U.S. Marshall. If anybody has any information on Cumberland that I don't-like a business license number or anything please let me know. Guess what Cumberland Scamming? You ripped off the wrong Yankee from Detroit and it's going to come back on you!!!

Has anyboby gotten their money back from these CRIMINALS?

nope.they are a scam in canada.chances are when the gov't gets a bead on them they pull up stakes and move.that means a new name,ph#,phony address in the US.so i always state.it is against the law to require upfront money to procure a loan.anything like that is a scam not located in the US.

After living in Detroit almost 50 years do you think I would recognize a scam? What a dumb-ass I am! Anybody else I can file a complaint with?

you did nothing wrong.they are scummy scammers bottom line.you can file an FTC complaint.go to www.ftc.gov you can do it online.

This time it's from a single mother trying to do the right thing. TN office like the others, "Mr. Brad Richardson" and his side kicks " Lori Amerson, Lori Fredrick" working with him. Only this time when I google his name... It's like the hockey player that is from canada. No other name search came up with his side kick. I sent the money out, got the refund and then like a person wanting to believe in it, resent it again. They got the money and told me that He would return my call in a couple of hours "fri" but later that day, I could not reach him at all. YES he said that he work for people that gives loans and we would pay cumberland the payment and no they are not trying to scam us over 730.00 when they are there to help! We talk for about a week before I done this. He made it sound so good and trusting. His words were the money will be in the account saturday no later than monday... I now have a fear feeling that it's not going to happen. I must learn to research better. What sounds good, not always good. I am a single mother working from paycheck to paycheck with grandchildren in the home (3) under 19months, (3) children, One disable and I'm going to school. I want to get caught up with bills, and make a nest. Instead I just got deeper in debt, light and water off , and could be getting ready to be homeless. Cumblerland lending services is not in TN. There is no one at that 1407 union ave memphis, tn 38104 address according to the TN Memphis police department with the phone number of 1-888-239-1238 x 315 "brad richardison". Please, for want I was just told. If you have to give money to recieve money IT'S NOT TRUE, if you have to QUICK PAY, WESTERN UNION, MONEY GRAM it not true. Call money gram and they would tell you that CANADA has a red flag and only send money to the ones you know. Do not allow these companies to tell you, You must send money before you could get your money.

I found out that the IP address for their website is mississauga, ontario canada. I dont know if this will help the person from detroit but maybe you can pass it on to all of the authorities that you have contacted.

Thanks for the IP address. I'll pass that along to the authorities I have contacted. I also filed a complaint with the F.T.C. Anyone else who has been scammed please file complaints with the proper law enforcment . If we all do this maybe these scumbags can be caught. I wonder if these a-holes know what happens to people like them here in Detroit!!!

I can't even find a website for them. Does anybody have it?

Their website is www.Cumberlandlending.com

So they have only 1hr 10 min. to put the money back into my account ( like they promised), otherwise I am putting my new passport to use and I will go to Canada and MAKE them give me back my money :) I was also wondering what did the FTC tell you when you talked to them, because I got a whole lotta nothin.

The F.T.C. didn't tell me anything. I had to file a complaint online.

Suprise, Suprise the money was not in my account and now they are not answering their phone. Since I know that the thugs (i.e. Anthony Stewart, Robert Johnson, Brad Richardson, Lori Amerson, Lori Fredrick, Susan Yorke, Faith Waters, and Frank Turner) at Sumberland Scamming are monitoring this website I just wanted to let you know that no one messes with me or my education, and since I have so much free time on my hands I can dedicate my self fully to bringing people like you down. Oh and if you think that what I wrote here was slanderous, wait until I find other sites like this one and I will let everyone know who you really are.

Does anyone else have the extensions of the different people that they talked to, maybe I should leave them some nice messages.

Just as I figured, They aren't answering the phone. Try calling from a different number as they have yours on file. Ext. 419 is FRANK TURNER. I keep leaving nasty-grams every day but get no response. I'm not done with them yet. I hope these assholes burn in HELL!!!!!

Has anyone else been able to get ahold of these people over this past week?

I have tried from many different phones, even ones with different zip codes, it just automatically goes to voice mail now. I honestly don't know what to do now. :( I can't believe I fell for this scam. Has anyone else heard anything from the authorities?

There website and phone is no longer working, I guess we all got screwed.

You're right, Allison. We got hosed. They must have packed up and went to open a new location. I'm just going to keep calling from different phones and see if I ever get one of those IDIOTS!!! I haven't heard from any of the authorities I contacted but that could take some time. Sorry to hear your story. I was going to use the money to buy a home in the mountains up in New Hampshire but since those SCUMBAGS stole my money now I have to rent an apartment.