Fraud?
Complaint
D.Bogle
Country: United States
I received an email on July 12, 2010. On July 16,2010 I tried calling the number that was listed on the email. An Alleged Attorney with a thick Indian accent answered the phone after calling him twice. I asked him who he was representing and he stated EME Marketing. I asked this person what his name was and he stated that he was an Attorney Ricky Christy. I asked him in what was this email that was sent to me in regards to and he stated that I had taken out a payday loan from a company called EME Marketing from the internet. I stated to him that I have never heard of the company. This alleged attorney Ricky Christy stated to me that he was just going to "download" my alleged collection account to the court house and begin legal processing if I failed to cooperate. I then told this person that I thought that he was a scammer. He immediately got defensive and stated he was forwarding my case. This person Ricky Christy is located in Sunrise, FL. I have done an internet search and was unsuccesful on finding any payday loan company called EME Marketing. I looked through the yellow pages and did a search to see if I could find this person by name and phone number. Again, unsuccessful. I have contacted my Human Resources Dept and inquired if anyone had trying to get in contact with me and had negative results. This Email was very threatening and very upsetting!
Comments
https://complaintwire.org/Complaint.aspx/_dK2egnOUgBqqAjMTkez8Q
They are a scam, basically a phony "payday loan debt collection" extortion racket. They use threats of legal action or arrest to attempt to panic people into paying them money.
It appears that some network of payday lenders went bust several years ago, possibly with connections to Florida, and they may have had an associated call center in India or Pakistan. They appear to have access to some old payday loan information, as well as U.S. consumer credit reports or skip-trace information. This has allowed them to fabricate the appearance of collecting on a "debt", and to call and harass relatives and employers.
They are generally reported to have thick Indian or middle eastern accents, but using "plain American" sounding names. They may be calling from overseas, via VoIP, which also allows them to spoof caller id. They have been operating for several years, and there are a number of warnings from several state Attorneys General, as well as BBB. They tried to con an employee of the Kansas Attorney General.
The alleged "debts" are phony. Even if you had once had a payday loan, and even if you might still owe it, you would not owe it to these criminals. There are numerous complaints of people receiving calls who never had a payday loan, yet they had address, SSN, and employer information. There are other complaints where consumers checked with a payday lender they had used, and confirmed no balance was due.
These are just lying phone thugs.
"he stated that he was an Attorney Ricky Christy"
That is not his hame, and he is not an attorney.
"he was just going to "download" my alleged collection account to the court house and begin legal processing "
They use legal sounding mumbo-jumbo as part of their threats, but some of it is quite laughable.
"I thought that he was a scammer"
He is, but someone must be falling for this.
"he was forwarding my case."
They can threaten anything they want on the phone, but it doesn't mean sh*t.
"Ricky Christy is located in Sunrise, FL"
Maybe, maybe not. But the defunct payday lender/debt collector is reported to have been connected to Florida.
Basically, the email is a phishing attempt to lure you into contact so they can pull their scam.
File a complaint with the FBI, contact your local TV consumer reporter, but ignore their threats. They can't do anything.
and to find out I was almost taken...so sad..
and to find out I was almost taken...so sad..
AGAINST YOU AND THEY ARE
(1) Violation of federal banking regulation
(2) Colletaral check fraud
(3) Theft by deception
(4) and the bigesst one is E.F.T.that is electronic fund tranfer
The united states Legal investigation bureau??? Anyhow what scares me is they have my social cecurity number and old bank account information. The company they are trying to collect for is FTR-processing. I work in law enforcement and know that this is a sham, I returned an email to this individual stating that I am forwarding his information to the arrorney general's office and will be looking into how he obtained all this information on me.
All their "charges" are made up, designed to panic and con you into paying them money you don't owe them. Similar fake "debt collection" schemes are proliferating rapidly, and now account for about half of "collection agency" complaints on this site.
Similar schemes are often reported to be calling from overseas, probably India or Pakistan, using cheap VoIP and changing their numbers frequently. They are often reported to have obtained access either to old payday loan data, or possibly information entered into phony on-line payday loan sites, or even may have access to U.S. consumer credit report and skip-trace information, which they use to fake the appearance that you owe some old "debt".
Their e-mail is essentially the opening gambit in a phishing scam, looking for who to sucker.
There are such frequent reports of this scam accompanied by use of identity information, combined with harassment of relatives or employers, that it may indicate direct access to current credit reports. In other words, the criminals have compromised the credit reporting and skip-trace companies.
bye
bye
https://tips.fbi.gov/