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
From: Michael Hester [mailto:michael.hester@qwikadvancecashusa.org]
Sent: Tuesday, March 14, 2017 11:08 AM
To: Michael Hester <michael.hester@qwikadvancecashusa.org>
Subject: Account: CSU-9034721 (Urgent Attention Required)
Dear Customer,
We regret to inform you that due to your unpaid debt amount of $988.56 (full debt amount, additional charges and interest cost) to Cash Advance USA, from today, March 14th 2017 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 through e-mail.
Assuring you of our best service at all times.
Warm regards,
Manager
Cash Advance USA
CAUTION: External Email **
Dear Brenda
Mcduffie,
This is in regards to the loan account of yours with Cash Advance USA. The loan amount of $300.00 was taken from the company and as of now the total outstanding amount is $988.56.
No payment has been made on behalf of this loan account.
Kindly let us know whether you want to resolve this issue by making payment towards it or not so that we can update the account accordingly.
We do have a settlement offer. If interested then get back to us ASAP.
Best Wishes,
Manager
Cash Advance USA Inc.
On Tue, Mar 14, 2017 at 10:09 AM, my response I wrote:
I don’t know who you are trying to reach, but I do not use or need cash advances from your services. Please get the email to the proper persons.
CAUTION: External Email **
Dear my name was here,
This is in regards to the loan account of yours with Cash Advance USA. The loan amount of $300.00 was taken from the company and as of now the total outstanding amount is $988.56.
No payment has been made on behalf of this loan account.
Kindly let us know whether you want to resolve this issue by making payment towards it or not so that we can update the account accordingly.
We do have a settlement offer. If interested then get back to us ASAP.
Best Wishes,
Manager
Cash Advance USA Inc.
File No.:- AY1816299
Affidavit of charges which FAST CASH LOANS pressed against Nickw
The charges are,
Count 1:- Violation of federal banks regulation.
Count 2:- Collateral check fraud.
Count 3:- Theft by the deception.
This affidavit states that, Nickw (Further known as “OFFENDER”) was monitored online using the email address nick@yahoo.com and SS# in order to solicit funds from a website which is owned and operated by the FAST CASH LOANS. The funds were successfully transferred into Nickw bank account by using an interstate EFT which stands for an “electronic funds transfer”.
When FAST CASH LOANS “CREDITOR”, attempted to extract the funds from offender’s account back as a repayment, consecutive 6 EFT's were returned back consisting worthless electronic checks. So, as of now rather than chasing “OFFENDER” for money the “CREDITOR” have finally decided to write this money as a loss , as well as they pressed charges against the offender.
As per the details present with the Creditor, the offender gave out her electronic signature via taking out an internet payday loan. As per agreed terms and condition mentioned in the loan agreement, anyone who is taking internet payday loan, he or she has to pay the money back within 21 days. If the borrower fails to pay the money back within 21 days, the creditor has the legal right to extract the amount from the offender’s bank account.
FAST CASH LOANS intends to file a legal case against Nickw under Section 9 and Chapter 19.
We hereby, acknowledge the offender regarding the options they have.
Pay the outstanding $1697.00 (including late fees, interest & penalty) and request to process for termination of this affidavit.
If Nickw is on any state supervised probation on payroll, then you will need to intimate the officer about this case addition and process accordingly.
Final offer to pay one time settlement offer $655.00(excluding penalty) valid only today.
Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with zero balance and the your case file is closed.
We, hereby, would also like to inform that any prior convictions including but not limited to worthless check, grand theft or money laundering, be aware that they shall handle this case as that of a habitual offense, as offender’s state is zero tolerance state. Against the offender, creditor has all the legal rights and authorities to inform the offender’s employer about this case which may result in permanent suspension from his/her job as well as shall be blacklisted among other similar employers. The Creditor shall NOT be liable for any of such results or consequences once the case is downloaded and executed with the judgments related to such issues. As per data available with us, the offender had kept her employer’s name as a security of this loan and also as a part of additional security, two more names were used.
Finally, the offender has the right to hire an attorney. If she has one or she cannot afford one then one shall be appointed to her by FAST CASH LOANS. We want to make sure that the offender have or has been seeking legal assistance regarding this case because once this is downloaded and executed with judgments against her and if she is found guilty under the bench of jury, offender will have negative remarks on her credit history and finally she may end up being jobless and rely on state’s unemployment policy.
It is advised that you pay the outstanding amount and close the affidavit because once the case is downloaded and open in court, the creditor will make a petition for the full amount excluding the legal charges you will have to bare amounting more than $5100.00 excluding bail charges, attorney charges and the rate of interest, late charges and affidavit charges.
Also to bring to your notice, “Nickw name and SSN would be reported to one of the three major credit bureaus of U.S.A.
1) Equifax 2) Trans union L.L.C 3) Experian
This case will be downloaded court summons will be issued in the UT Court House and County sheriff department for arrest warrant on May 30th, 2017 at 11.00
This is the last and final chance for you.
This Legal Proceeding issued on your Docket Number EVR-946195 with one of Cash Advance Inc. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.
Case File #: ACA-9645
Loan Amount: $350
Amount Outstanding: $798.00
Settlement Amount: $450
You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold 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 Payday Services. 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 3 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 24 hours of the date on this letter, 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 then you have to bear the entire cost for this law suit $6300 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.
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.
Regards
Copyright © 2013 Advance Cash America | Privacy | Terms of use
--------------------------------------------------------------------------------
Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
CREDITOR: ADVANCE AMERICA
mailto:attorneydeputygeneral@gmail.com
CASE NO: ABD55678/15
Outstanding Amount is $687.85
Today’s Settlement amount of $558.00
This Proceeding issued on you Docket No: - ABD55678/15 with one of ADVANCE AMERICA. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of “THE SEMRAD LAW FIRM” has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on Sept. 7, 2017 but you failed to respond on time now it’s high time if you failed to respond in next 2 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $8679.68 and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO Settlement Department:-mailto:attorneydeputygeneral@gmail.com
Be advised that ADVANCE CASH AMERICA® has recently retained our office to represent them in a pending Legal Case (Court Proceedings, Sec 09 Chapter 19C) proceeding against you. Case details are as follows:
Due Balance: $660.00
Account/Case No.: 7456-31996
Filing Date: November 17th, 2017
Jurisdiction: Western District of North Carolina, Charlotte Division
A copy of the Amended Invoice Plan and Notice of Case Filing will be mailed to all the Major Credit Bureaus & Your Employer, on November 17th, 2017 and this debt will be written off, we are using IRS form 1099-C which will show the IRS that the $914.00 became income for you and bad debt for ADVANCE CASH AMERICA®.
Please direct any inquiries regarding this account through our office (contact information in my signature line). Further contact with ADVANCE CASH AMERICA® will be considered a violation of the Automatic Stay of 11 U.S.C. Section 362.
Thank you in advance for your anticipated cooperation in this matter.
(NOTE: IF YOU DON'T WANT ANY TROUBLE, YOU DO HAVE AN OPTION TO DISCUSS THE SETTLEMENT BEFORE THE COURT DATE.)
Camellia Jacobs,
Sr. Investigation Officer. |
ACS LAW FIRM.
2108 South Boulevard
Suite 118, Atherton Lofts
Charlotte, NC 28203
EB
Eugene Baker <cashsettlement@usacreditsettlement.com>
Reply|
Mon 05/01/2017 3:48 PM
To:
tonyalmiller1976@hotmail.com
Find Your Warrant Copy
CASE FILE #: HA5 - 3265301
Cash Net Us Group
DUE AMOUNT-$1487.77
Respective Debtor,
This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed 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 case. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
Now, FTC is pressing charges against you regarding 3 serious allegations:
1. Violation of federal banking regulation act 1983 (C)
2. Collateral check fraud
3. Theft by deception (ACT 21 A)
If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to $13,428.15, excluding amount you borrow, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have or can't afford one then the court will appoint one for you.
NOTE: If you want to resolve this case then you can email to our account head : Darlene Meyer on Account.head@usacreditsettlement.com
Eugene Baker
Copyright (c) 2006 FTC.
LEGAL NOTICE AGAINST YOUR NAME AND SSN
KT
KEVIN THOMAS <kevin.legaldept@hotmail.com>
Reply|
Wed 11/15/2017 5:47 AM
To:
sasha_bushor@yahoo.com
1508152015175_PastedImage
ATTENTION:-
Loan Account Number #CK67149688
Amount Due: $550.64.
This is Loan Officer White Smith From Cash-Advance Inc.
This is the last and final chance for you.
This Legal Proceedings issued on your Docket Number GS-7865368 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash-Advance has decided to mark this case as a flat refusal and press legal charges against you.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. TERMS & CONDITIONS, YOU AGREED.
We have sent you this warning notification about legal proceedings of March 8, 2016. But, you failed to respond on time. Now, it’s high time and if you fail to respond in the next 4 HOURS then we will register this case in court. Consider this as a Final Warning. And we will be Emailing/ Fax this issue to your Current Employer to make sure they take strict actions against you. Your salary, wages will be garnished.
Do revert back if you want to get rid of these Legal Consequences and make a payment arrangement today or else we would be proceeding legally against you. And our apologies that this notification will also sent to your current employer.
The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your Employer and your References regarding this issue and the lawsuit will be the next step which will be amounting to $6300.00 and will be totally levied upon you and that would be excluding your attorney charges.
If you take care of this out of court then we will release the Clearance Certificate from the court and we will make sure that no one will contact you in future.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your Local County Sheriff Department and you will be served with a court summons at your door step.
Note : This notice is provided to you on behalf of Cash-Advance Inc. and its parent companies.
By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
Regards
Cash-Advance Inc (Accounts Dept.)
25954 Eden Landing Rd.
Hayward
CA 94545
United States
Thanks & Regards
Our credit policy requires that we place your accounts for collections.
This decision does not come easily, but it is important that we are fair to our business and that we require our customers to honor their commitment to our credit terms.
Please contact us if there is a problem in sending the payment for the past due balance today.
Thank you for your attention to this matter.
Regards
Billing & Accounts
Advance America