Owe for a payday loan
Complaint
cammie davis
Country: United States
Recieved a aggressive phone call today from a Mike Stevens identified himself as an police officer stated i am being sued possible wage garnished for a payday loan dated back in June 2009 he had all of my info checking account, home address,my employer,refrences, email account i was truly upset and concerned then he asked did i want to take care of this Yes or No He really had me believing i owed the monies he was asking but then i thought whats the name of the company i owe he stated EME Marketing llc i asked for the number so i could get to the bottom of this and how much are my fees he states $780.00 which includes out of court cost he then gives me a number to contact this EME Marketing company(936)657-4224 i immediatly called the number which he had given to me and it sounded like the same Foreign speech as the man who called me in the first place I was also give the name Roy Wilson I asked him if i owed the claimed monies why has it taken one entire year to recieve a phone call from your company you guys don't believe in sending out letters this was after i verified this company US Investigation Bureau is a SCAM he denyed that was his voice on the previous number that he had given to me and still claims EME is a payday loan company....what so scary about this is i did apply last year for a loan and random payday loan companies would appear for me to apply Help how scary is that to have all of my info what do i do now that goodness that account has been closed for quite some time now
Comments
Report them to the police or FBI, and if they call again, tell them you did. Then just hang up until they give up on calling you.
Most complaints of this type claim they never had a payday loan, or that they had paid it off, or even verified with the lender that it was paid off. Some payday lenders have posted warnings about this scam. Yet there are many complaints that they have id info like addresses, phone numbers, SSN, DOB, employer, etc, even on people who never applied for a payday loan. Some of this might be from phony internet "payday loan" sites set up to capture information, but they may also have access to U.S. credit information.
" if i did not pay 600.00 dollars that he would take me to jail and my company would be under investigation. "
They can't do anything but make threats. They are con artists, with the emphasis on the "con" not the "artist".
Complaints against that number start in June 2010. They typically keep changing their numbers. They may be using VoIP, as their "area codes" keep changing. They have also been reported to spoof caller id.
https://800notes.com/Phone.aspx/1-786-345-1038
Real debt collectors normally have lots of call reports even after a few months of starting to use a new phone number, and usually keep using the same number for years.
I was advised to place my cell number or home number on the do not call list. I believe their web is donotcall.gov but you can Google the web address or phone number.
The FTC told me Payday Load companies across the US had their computers broken into and all their personal customer files were stolen.
The FTC also told me these scammers may not even be in this country, as they manipulate the phone system to show they are calling from Texas, Nebraska, or wherever.
I've been calling this guy back and got him so riled up he began shouting, Allah, Allah, Allah and then making that funny blubblua, blubblua, blubblua chant.
Keep on this guy ... he is no doubt a non-US citizen only harassing US Citizens as part of their war campaign against the US.
Below is a copy of the letter the FTC sent to me; so file your complaint today!
July 1, 2010
UNITED STATES OF AMERICA
FEDERAL TRADE COMMISSION
WASHINGTON, D.C. 20580
RE: FTC Ref. No.
Dear TK :
Thank you for your recent correspondence. The Federal Trade Commission acts in the public interest to stop business practices that violate the laws it enforces. Letter from consumers and businesses are very important to the work of the Commission. They are often the first indication of a problem in the marketplace and may provide the initial evidence to begin an investigation. The Commission does not resolve individual complaints. The Commission can, however, act when it sees a pattern of possible violations developing.
The information you have provided will be recorded in our complaint retention system. This computerized system enables us to identify questionable business practices that are generating numerous complaints and may be in violation of the law.
Thank you for providing information that may be used to develop or support Commission enforcement initiatives.
Sincerely Yours,
Consumer Response Center
Later that same night I had a message from "Michael" stating that I had said I would call him back after work and to please return the call with an evening number and time I can be reached. I called and again Michael answered "Hello" (not identifying any business or legal department). He said he was pulling my file (I didn't give him my name yet!) and proceeded to call me by a different name, told me that he knows I live at (a different address) and I shouldn't be sharing my social security number with my husband (I'm not married)....then GAVE ME SOMEONE ELSE'S SOCIAL!!! I told them they were screwing with the wrong person, that I deal directly with NCIS, and the federal government doesn't take too kindly to people harassing their employees (this was safe, since he obviously thought I was someone else). I told him I have his number and I am reporting him to NCIS. He hung up on me and hasn't called back in 2 days. (he had been calling 2-3 times a day)
Now what no one is telling is this when they theaten you or your family this is an act of terrerism, believe it or not and it is against the law.
We are currently trying to contact them with all numbers that they have given I to would like to sue them however there is no none address for this comapny.
Now what no one is telling is this when they theaten you or your family this is an act of terrerism, believe it or not and it is against the law.
We are currently trying to contact them with all numbers that they have given I to would like to sue them however there is no none address for this comapny.
724-512-2120. the guy that called me was John something, my boyfriend and i are trying to decide if it was Edwards or Ackwold. either way, the guy is definitely NOT american, could not pronounce my name or the city i live in correctly (and it isn't that hard! LAKE??? LOL) i know it isn't funny, but really, how do they think they can get away with this?
Now, here is the insight I am getting:
--How come that the information that was given to payday loan is been given to outsiders? Does payday loan know about this?
--they quoted my email address, current home addrees, SSN,DL,my work number was called..
--could it be that the information given to payday loan or cashnet is been sold to these folks, eventhough they indicate that these informations given are confidential?
They are running a phony "payday loan debt collection" extortion racket, with no connection to any actual legitimate payday loan.
They appear to have obtained access to U.S. credit reports and skip trace services, and may also be obtaining consumer information from fake on-line "payday loan" application sites.
There are some indications that these schemes originated with an Indian debt collection call center run by a U.S. debt collector, Ellis Crosby, once based in Florida before it was shut down.
They make outragous threats, but basically, they can't do anything.
They are probably most vulnerable through their phone providers, who must maintain a U.S. based operation through which these VoIP calls enter the U.S. phone system. In addition, follow the trail of any credit report inquiries, and also pull your files through Accurint, Choicepoint, etc, to see if there are any indications of overseas access.
More than half the "debt collection" complaints on this site are now related to these phony criminal rackets.