Collecting payday Loan
Complaint
EP
Country: United States
I got a call from this Amy Jones with Bryon Keith & Associates about two weeks ago and she left me a message for me to call back with a case number starting with B. I called back and spoke with a Shannon Jones and he tells me that I owed $775 from a payday loan from Lazer Lending. He wants me to pay something up front and then put me on a payment plan.He stated that the original loan was $480 but with the fees it went up and that he was willing to work with me and knock off $200. I asked him for some type of proof and all he faxes to me is a letter stating my name previous address and email the case number and the name of the original creditor on a letterhead with there name. But I dont know what to do he confirmed my full social but when I look up the companies name I find nothing on them. Can someone help they are talking about putting a judgement against me and garnishing my check. Back then I researched them and found no info on them and looked up there website and did not find anything. Today I looked it up again and did find a website but it does not look legal to me. Some way or another they are trying to get my money. Please advise!!!! I put a complaint in with FTC.
Comments
1) Fake "debt" shakedowns, fake "government grant" scams, "advance fee loan" scams, fake "IRS" scams, and fake "immigration service" scams all involve similar elements, and may be run interchangeably by the same scammers.
2) They appear to be overseas. Sometimes the scams can be determined to originate in India and Pakistan. There are even "businesses" set up there to run "IRS" scams, trying to get payment in iTunes card numbers.
3) Fake "debt collection" shakedown attempts often show up shortly after victims apply for some online "payday loan", so some of those sites are fake, or sell "leads" to scammers. Some victims report a bunch of attempts following such applications. That might explain SSN and bank account information in some cases.
4) Some victims have tied attempts to possible visible online information, occasionally unredacted court documents, sometimes just social media visibility. This suggests these creeps are searching the internet for enough information to credibly run the con.
5) There appears to be a pattern of old payday loan data showing up years later being used by scams. That suggests there may be a market in old data operating.
6) There are existing markets in stolen id information, which is really not that easy to use to open fraudulent accounts. A safer use, particularly for cheaper less complete data, would be in these anonymous scams.
1) Fake "debt" shakedowns, fake "government grant" scams, "advance fee loan" scams, fake "IRS" scams, and fake "immigration service" scams all involve similar elements, and may be run interchangeably by the same scammers.