Cash Advance America / Unpaid PAYDAY loan
I had been receiving calls from an "unknown" number on my cell phone for a week or so, with someone with a heavy East Indian accent, who said he was Officer Neil Thomas. He was intelligible, so I told him I wasn't interested and hung up. He called back and left a message that he was Officer Neil Thomas, and that he would take my hanging up in his mouth (his words), as proof that I was refusing to take care of this serious financial matter, and that I had better hire an attorney because I was going to need one soon.
Today I received a call, again from 'Neil', this time from [protected], which looks like a cell or magic jack number. He stated that he was with American Law Division, a Texas law firm, and that he was processing court papers for a lawsuit they were filing against me for an unpaid PAYDAY loan from Cash Advance America, unless I wanted to pay it off today, they would be having me served tomorrow. I told him I was unaware of any such loan, and that I needed more details. He said he couldn't give them to me, and then transferred me to his case worker, Alex DeCosta. Alex gave me the same dog and pony. I asked him for the details of the loan. He told me it was from October of 2009, for $500.00, and that the amount, with interest and expenses, was $1, 857.00 . He then told me, that if they filed the case as planned, that the cost was going to be over $9, 000, and that the only way I could avoid this, plus my attorney's fees, would be to make arrangements to wire the money directly to Cash Advance America today. I told him that I needed to check my records, and asked for a number that I could return the call too. He told me I had one hour, and gave me the number, [protected]. I told I would check and call back. I went back to my bank statements for the months of September, October, and November of 2009, to see if I had and cash advances for that amount, and/or from that company (I had gotten an advance in September from East Side Lenders for a lessor amount in September, which was paid in September). There were none. I called him back at the number provided. After several attempts, with the calls getting disconnect recordings and circuit busy signals, I got back to 'Alex', and told him I was not able to verify his claim and that I needed exact details. He then told me it was on October 13th, 2009, and gave me the last 4 digits of the checking number it went to. I asked him, if it was deposited, why had they not withdrawn the payment on the designated payday. He said that the eft was returned as worthless, probably because of insufficient funds. I told him I would have to go and check again with the bank to determine if I received the money, and whether ti had been debited back out or not, but that if I was correct, I would certainly want to pay. I told him that I would not be able to pay until my next payday. He told me that he was not trying to collect on the debt, merely making a courtesy call in case I wanted to settle it before they file. I told him if I owed it, I would want to settle, but not today, as I still needed to check my bank records. He told me that was fine with him, but that unless I was prepared to wire the money immediately, he would have to file the papers and I would have to deal with it in court. I told him since I could not settle it now, to go ahead and file. He told me to go hire an attorney because they had all the technical documentation they needed to prove their case, and that it was all on me to prove otherwise, and then hung up. I verified my bank statements again for the account that he gave me, for the date he said it occurred, and again there is nothing. It occurred to me after the last call, that in no time during any of the previous discussions, had they ever used my full ssn or bank account number. Sounds like a scam to me.
More Cash Advance America Complaints & Reviews
- Cash Advance Us & American Legal Services - SCAM 
- Cash Advance Inc. - Email Scam 
- advance america line of credit - loan scam 
- American Law Firm / Cash Advance Usa - scam 
- Cash Advance Inc. - Threatening Emails 
- Advance America Cash Advance Centers [AARC] - loan
- Advance America Cash Advance Centers [AARC] - Email received from one firstname.lastname@example.org regarding a lawsuit
- Advance Cash America - Harassment 
- Cash Advance Inc. - Email Scam 
- Cash Advance Inc. - Supposed payday loan