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
This was my response;
Okay, Here it is;
You are in violation of the Fair Debt Collection Practices Act; Section 5, Federal Trade Commission Act, USC 1692c Section 801, 1692b 1692c sections 1,2, and 3, 1681a(f) 1692b section 6 15 USC Section 8 subsections 1-16 and USC 1692f Section 808 subsections 1-8. The federal laws prescribed is in accordance with the Fair Debt Collection Practices Act where the following federal laws can be viewed by the general public.
Oh yeah, I am a retired military cop so they tried pulling their BS on the wrong person.
We regret to inform you that due to your unpaid debt amount of $1289.86 (full debt amount, additional charges and interest cost) to Advance Cash America, from today, April 8th 2016 we have passed your case to court.
You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense.
If you wish to settle the outstanding amount, please do not hesitate to contact us either through e-mail.
Our officers can be reached at the following number to provide all possible assistance to you.
Helpline number: (954)-374 6395, Timing: 9:30 AM to 6:30 PM EST, Monday to Friday.
Assuring you of our best service at all times.
Warm regards,
Manager
Advance Cash America
(954)-374 6395
From: Timothy Jones <timothy.jones@thecashinsta.com>
Sent: Thursday, May 12, 2016 8:24 AM
To: Timothy Jones
Subject: LEGAL DEPARTMENT
This is the final notification to let you know that the option to settle the legal case outside of the court house is going to end by today.
If we don’t hear from you by the end of the day today, the legal case will be downloaded.
The creditor has full rights to inform your employer about this fraud along with your given references and they will also inform the 3 major credit bureaus about it so that this fraudulent activity could be mentioned into your credit report.
This loan was for your short term financial needs however you refused to pay the money back to company.
Get back with us right away or the burden will be on your shoulders.
Also this is to inform you that we are not threatening you, we are just want to let you know about the consequences.
Best Wishes.
Advance Cash America.
(954) 374 6395.