ADVANCE CASH EXPERT
Complaint
JACQUELINE FLORES
Country: United States
They said i owe 529.00 from Advance Cash Expert i never got any money from this place they need to stop send out this kind of bogus email and they even left a number 954-762-7500 and a japnese or indian person answered the phone whan i told him i was turning it over to the FBI he hung up
Comments
Their claims of some owed "debt", and their illegal threats, are all fake.
No one owes them anything.
Dear Mr. Williams; I have not now nor have I ever done business with the company you claim to be representing. I will not send you anything to pay off a past due bill I know i have never incurred. If you would like to send me a Certified copy of the original documents from said company within the next 24 hours i will contact you to discuss. But first please provide me with a valid number and address . Also that I was aware that it was a felony to send out this type of email as well as criminal charge to threaten a person with fines or imprisonment due to a collection call. And that was going to forward his email to the FBI Fraud /SCAM department. IC3.GOV IS WERE YOU CAN REPORT AN INTERNET SCAM OR CRIME TO THE FEDERAL GOVERNMENT FOR THEM TO INVESTIGATE. I sent that email two days ago and I have not gotten a response or a call from this so called legal company.
I SUGGEST THAT ANYONE DO THIS WHEN GETTING THESE KINDS OF EMAILS BEFORE THINKING THEY ARE LEGITIMATE.
The scam emails have been ramping up, as seen in consumer complaints.
About 2 months ago, it appears they registered a domain name for their scam.
So now they are sending extortionate text spam?
Used to be this scam was all about just threatening phone calls, under several different names.
The progression to spam email, and now spam texting, suggest that they are having problems getting enough successful cons, so they have to send high rates of low yield spam first, to focus on gullible suckers who respond.
Not likely that text spamming will be very effective. People already highly distrust it, far more than even email. They only expect legitimate texting from friends, and already get bombarded with fraudulent and harasssing junk spam texting.
You could enter ANYONE's name, address, and phone numbers on one of the "payday loan application" sites, and they would start calling and harassing them, trying to extort payment of some fake "loan".
Not recommending it, but it would "poison" the credibility of that fake site as a source of extortion "leads".
(Don't use emergency numbers.)
This is what the email said
This e-mail is in reference to your account with Advance Cash Expert. This account has been referred to my office for collection action. We are a Legal Attorney based in Michigan and New York. As per the client you are currently several payments behind on this pay-day loan account. The total outstanding amount on this account is $605.00.
The file indicates that you have failed or refused to pay the above claim even though it appears just, owing, and correct.
You are hereby further advised that if payment is not set up within 2 business days of the date of this issue, suit in small claims court may be commenced against you forthwith and without further notice for the amount indicated above, together with prejudgment interest. Instead of small claims court, this matter may be referred for suit in municipal court.
As I am sure you are aware, if this matter goes to suit, all court costs, process server's fees, sheriff's fees, attorney fees where permitted, and other post judgment costs will be added to the amount that you already owe.
You can avoid the unnecessary actions and further expenses of a lawsuit by making immediate reply to us. For any queries feel free to call us on (231) 354-2500.I owed supposedly $605.00, they supposedly have proof of IPN address from my computer, banking information that says a deposit in the amount of 300.00 was deposited into my checking account. They also say that they have a copy of a contract with my email signature. I sent back an email stating that I have not heard of Advance Cash Experts and if they have a contract with my signature I would like to see it, I also told him that social security numbers, email address' and banking information can be hacked. Havent heard anything back yet!!!! I can barely pay my bills now. I am not giving anybody a penny!!!!!!!
"This e-mail is to inform you, that your account with Advance Cash America has been referred to my office for collection action. We are a Collection agency and a Legal Attorney based in Michigan and New York. As per Advance Cash America you are currently many payments behind on this pay-day loan account. The total outstanding amount on this account is $496.00.
We have been instructed to bring legal action against you as may be necessary, which may result in Judgment.
The Case file mentions that you have failed or refused to pay the above referred claim even though it appears just, owing, and correct.
You are hereby further advised that if payment is not set up within 2 business days of the date of this issue, suit in small claims court may be commenced against you forthwith and without further notice for the amount indicated above, together with prejudgment interest. Instead of small claims court, this matter may be referred for suit in municipal court.
As I am sure you are aware, if this matter goes to suit, all court costs, process server's fees, sheriff's fees, attorney fees where permitted, and other post judgment costs will be added to the amount that you already owe.
You can avoid the unnecessary actions and further expenses of a lawsuit by making immediate reply to us. For any queries feel free to call us on (231) 354-2500 and speak to Mr. Mike Jones (Legal Consultant) who has been assigned for this case. He will be handling this matter over with you and will be providing you some Settlement options if available.
Sincerely,
Legal Group of Attorneys (Nation-wide)
New York
(231) 354-2500
"