The complaint has been investigated and
resolved to the customer's satisfactionResolved American Credit Services — Phone call regarding a supposed loan
resolved to the customer's satisfaction
Received a phone call from number listed as [protected]. The gentleman named Johnathon on the phone had a strong accent and stated it was urgent I or my attorney contact him at [protected] (not the phone number listed on the caller id). Since this appeared suspicious, I first called the number listed on the caller id [protected]) and the service provider indicated the number was no longer working. I then called the [protected] phone number and I had to call this number several times before I was able to get through. The individual on the line stated his name was Andrew Brown and he was an attorney with the Crime Monitoring Division Law Firm based out of California with the zip code listed as 92805. He stated that if I did not pay approximately $1500.00 by today, I would be sued for approximately $5500.00 beginning on tomorrow by American Credit Services. He stated someone would come to my place of business and arrest me and I would be very sorry. He stated this payday loan has been in default for over a year (since 01/08) and that I had neglected to respond to over fifteen (15) emails sent to me. I never recalled requesting a payday loan from an American Credit Services and surely would not have ignored a default of over year nor emails, so I requested Account information regarding the loan. Mr. Brown stated he did not have any account information other than he knew ALL my personal information and that I needed to settle this matter IMMEDIATELY. I told him I wanted to honor all my obligations, but I needed more information before making a $1500.oo payment. I requested he have copies of the emails sent to me or a copy of the supposed contract and he stated that would be a conflict of interest between his law firm and American Credit Services. I requested he at least give me a loan number because every loan has an account number, but he kept referring to my personal information and I found this to be very creepy. I then asked for at least a contact number for American Credit Services and Mr. Brown stated he could not provide this information. I became further suspicious. Mr. Brown stated I would need to fax two (2) letters to [protected] with the first letter containing a letter of apology listing my full name and the second letter containing authorization for me to make payment. I then said I wanted to talk to his financial services department to make arrangements for the payment of $1500.00 and he transferred the call. A young woman answered and I began asking what the loan account number was to I could reference this in my payment and she started to stumble in her speech and put me on hold. When she came back I could hear Mr. Brown speaking to someone else in the background and she said she did not have an account number other than my personal information (that Mr. Brown had provided to me earlier) and that if I wanted specifics she could transfer me back to the attorney. I asked her the attorney's name and she said the gentleman I had been speaking with but could not give me a specific name. I was getting more suspicious by the minute. While speaking with her over the phone I began searching the internet for this American Credit Services and could not find out any specific information. The more questions I asked the more confused the young woman became and stressed I might need to talk back with the attorney. I told her that was not necessary and I asked what forms of payment she accepted. She stated they would accept credit cards and/or debit cards and I told her I would make payment but I needed to transfer funds into my account and hung up. While searching on the website for American Credit Services or Crime Monitoring Division Law Firm of California, I stumbled upon another complaint for American Credit Services. Because the complaint I read sounded so similar to mine, I felt the need to make a complaint as well.