The Government is a JOKE!!!!

When my husband lost his job after fourteen years of being with that company, he should have been able to receive unemployment.  Instead, he was repeatedly denied unemployment benefits and without a very good reason.  After filing one appeal after another, they finally agreed that he was eligible for unemployment but not without further delaying the process by setting up a hearing about 3 or more weeks later.  In the meantime, we were denied TANF because they claimed my bi-weekly paycheck made put us over the limit!!!  If I had been making $1,000 per week, I could understand.  But who in their right mind would possibly think a family of four can survive off a paycheck that's less than $1,000 per week when you have car payments in addition to rent and utilities.

The brain dead feds in charge are the ones that make up these ridiculous rules.  The fact that even in other states where millionaires and average citizens can win the lottery and still collect food stamps yet, hard working people who suddenly find themselves out of work with a family to support aren't even eligible for unemployment, food stamps or TANF shows that the feds are completely brain dead!!!

Thanks to being denied unemployment, we fell behind in our car payments.  Without a car, we can't very well get to and from the food bank since they enjoy delaying our food stamps.  My husband eventually landed a job after spending 3 months out of work but even though his is commission only and he's paid twice a month, they claim we're not eligible for TANF.  And with all this in tact, our car could be repossessed any dany now.  Without a car, I can't very well go to job interviews!!!  I repeat, the government is one big fucking joke!

Online Scams

When things became unbelievably hectic for us a few months ago, I thought it might be a good idea to get a loan.  I began looking into online loans that claimed they could make a deposit into your bank account.  I filled out numerous forms and received tons of email from hundreds of companies each stating that I've been approved or that they were ready to make a deposit but that I needed to finish the paperwork in order to get things activated.  

A number of places even followed up by phoning me and telling me how much I would need to pay upfront in order for them to give me a loan.  I declined every single one of them especially when one place said that I would have to pay $90 upfront for a $200 loan.

It wasn't until the following week while viewing my account online and seeing a name that I didn't recognize when I discovered some strange company had made a deposit into my account.  I panicked and phoned my bank to ask about all this.  They were kind enough to look into it and phoned me back days later to inform me that SSM Group LLC was a loan company.  It made me wonder how the hell a loan company could make a deposit without having me provide them with all the information all the others had asked for especially since I didn't show a copy of a paycheck stub and decided not to follow through on getting a loan.  

SSM Group LLC also goes by River Elk Services.  I went along with allowing SSM Group LLC to withdraw $60 from my account every other Friday until they suddenly refused to return my calls, refused to respond to my emails and refused to answer my questions, withdrew a total of $300 and I wasn't able to continue working.  The last time I phoned SSM Group LLC and asked to speak with the person about making that $200 into my account without proper authorization, the person would only answer a question with a question.  So to protect myself, I stopped payment on them.  I later went to the bank and complained about SSM Group LLC and was advised to close my account.  Thinking I had to keep it open just a bit longer in order to take care of smaller bills first, I delayed closing it right away.  BIG mistake.  That short delay gave the thieves another opportunity to attempt taking money out of my account after I had told them to stop!  I didn't learn about this until the day I returned to the bank to close my account.  I had already filed a complaint against SSM Group LLC with the Federal Trade Commission but now, I needed to file a fraud report against SSM Group LLC since they decided to play dirty.

I also have reason to believe that SSM Group LLC is behind a toll free number that has a reputation for harassing people and trying to scam them out of a large amount of money.  The number is 

888-497-6840 Usually some guy with a thick Indian accent answers and tries to scare people by claiming to be with a legal service or something, they like to falsely accuse people of taking out a loan in a large amount of money and threaten them with jail and warrants for their arrest.  One time they phoned me REPEATEDLY and wouldn't leave a message.  I don't answer numbers I don't recognize and when I eventually did pick up the phone, the jack ass claimed that I had taken out a loan last September!  I knew he was running a scam because I never took out a loan last year!!  He even tried to scare me by saying he had my social security number, email and IP address.  I yelled at him, called him a liar and told him to go straight to hell.  They didn't begin phoning me again until I took action against River Elk Services.  

It is illegal for a loan company to deposit money into your account without authorization and without proof of employment with a paycheck stub.  You cannot go to jail if you're unable to payback a loan.  The most they can do is take you to court and garnish your wages.  It is also illegal for a company to harass you with phone calls.

After doing some research on SSM Group LLC/River Elk Services, I found numerous complaints about them.  One person complained that SSM Group LLC made a $250 deposit into her checking account without his/her signature.  Another victim complained that SSM Group sent an email saying that his/her due date is 11-27 with his/her name at the bottom of the page but he/she never signed up for this.  When the victim checked his/her account, a deposit had never even been made!  There are hundreds of complaints like this and more against SSM Group LLC.  The fact that they're so cryptic when they're asked questions, their refusal to return phone calls or respond to emails shows all the more what a scam they're running.  Legitimate places will answer questions, return phone calls and respond to emails.  All SSM Group LLC wants to do is steal as much money from people as possible.

The bottom line is to NEVER ever give out your personal info (especially bank information) even to online loan companies.  Companies such as River Elk Services/SSM Group LLC only want to screw you over!  Do not be a victim!  If this ever happens to you, file complaints against them and close your bank account immediately and open a new one.