Payday Loan scam
Complaint
Christy
Country: United States
This is an e-mail I received the other day! Don't know who these peolpe are but they have been calling me SEVERAL times a day off of random numbers but leave no message. When I do answer and tell them to they have the wrong number and quit calling me before I call the police about harassment they hamg up! This is getting a little rediculous and I am tired of it! I wish someone could do soemthing about them.
LOAN INFORMATION
Due Amount- $640.00
Loan Company- Advance Cash America
You are going to be legally prosecuted within couple of days. Your Social Security Number has been marked as Red Flag by US Government, so before something goes wrong we would like to notify you about this matter.
It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Advance Cash America. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
If we do not hear from you within 48 hours of the date on this e-mail, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you.
We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at (210) 399-3400.
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON (210) 399-3400.
ACS LEGAL GROUP
LEGAL GROUP OF ATTORNEYS
(210) 399-3400
LOAN INFORMATION
Due Amount- $640.00
Loan Company- Advance Cash America
You are going to be legally prosecuted within couple of days. Your Social Security Number has been marked as Red Flag by US Government, so before something goes wrong we would like to notify you about this matter.
It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Advance Cash America. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
If we do not hear from you within 48 hours of the date on this e-mail, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you.
We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at (210) 399-3400.
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON (210) 399-3400.
ACS LEGAL GROUP
LEGAL GROUP OF ATTORNEYS
(210) 399-3400
Comments
Please report to the FBI.
Date: Wed, 7 Oct 2015 18:04:08 +0530
Subject: Important Notification
From: tracey.butler@manager-collections.com
To:
Dear Debtor,
As you are aware, you have a small pay day loan bill of $970.80 that remains unpaid. We feel we have done everything possible within reason to collect the money you owe us. We have decided that unless you make immediate plans to repay us this money, we will write this debt off our books and claim it as “bad debt loss” to the IRS.
Did you know that any money you owe us and don’t pay should legally be declared as “additional income” for you or your business during the year in which you incurred the debt?
If we decide to write off this debt, we will use IRS form 1099-A which will show the IRS that the $970.80 became income for you and bad debt for Advance Cash America.
You can avoid the unnecessary actions by immediately getting in touch with us through e-mail. For any queries feel free to e-mail us back. We will be handling this matter over with you and will be providing you some pay off or Settlement options if available.
Note:- For further details kindly reply to keith.dsouza@advancecashservces.com
Thank You,
Advance Cash America
Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill?
It's a total scam!
We really appreciate your good intentions in order to resolve the issue.
Full and final payment of $400.00 on or before February 22th 2016 looks absolutely fine.
Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full.
Your updated mode of payment is RELOADIT.
The mode of payment will no longer be through secure mode of payments like ACH, VISA or MASTER Cards. The only mode of payment we are allowed to accept has to be through PayPower Reload Pack (REloadit) as per FDCP act, so that you do not give out any of your personal information any more to anyone.
All you have to do is get a PayPower Reload Pack (REloadit) for the amount of $400.00 from the store, scratch on the bottom on the back side of the card, and provide us with the 10 digit reference number.
Kindly fill the information below and e-mail us back, so that we can collect your payment accordingly.
RELOADIT
Loan Account Number #LN203417
Full Name
Address
City State Zip
Phone Number
RELOADIT(10digit)
Amount
To know the nearest RELOADIT store, kindly visit https://www.paypower.com/StoreLocator/StoreLocator.html
For any queries related to PayPower Reload Pack (REloadit), feel free to email us back. DO NOT BUY NET SPEND RELOADIT.
Please do not give the reference number to any one and do not scratch in front of the shopkeeper.
Kindly send us the scan copy of the RELOADIT along with the receipt.
Best Regards