Dispute Resolution Center / failure to pay off a pay day loan
I received a call from an Officer John from Dispute Resolution Center on behalf of U.S. Cash Advance. He informed me that I had not paid off a payday loan that I took on on March, 2010 of this year. He left 2 messages on my home phone as well as my cell phone. Informed that I had to speak to him by Tuesday or that a suit was being filed against me at the courthouse for nonpayment of the payday loan. If I did not comply my employer, manager would be notified and that I would be in jail for 3 years. Therefore, I did call the gentlmen to find out what this was all about, this man answered the phone stating his name was Officer John and asked me what I was calling about. I proceeded to tell that he had left a message on my phone and that I was returning his call. He asked me to verify my name. Then he wanted me to verify my SS # which I then in turn told him I do not give out my SS # over the phone. He said, then let me read off the information I have on you. He had all the information on me, address, drivers License # and what my checking account # was. The one thing that was incorrect was the email address he read off to me. I had him repeat it 3 times, and it was incorrect each time he read it off to me. He then proceeded to tell me "it must be a computer error". I had trouble understanding the man because of his middle east accent. He then informed me that i had a $625.00 loan with U.S. Cash Advance and that I hadn't paid it back through my checking account and that the legal fees and fines had added up to an additional $825.00 to clear this up. In addition, he had informed me that he was recording the conversation. Several times the connection went dead. He returned the call immediately, and proceeded to explain this to me again, for which I still have trouble understanding him. He then proceeded to inform me that he would answer all my question after he read some legal document informing me of the payday loan agreement I signed. When I went to ask him questions, he stated he was limited to time and that I would then have to speak to his manager. His manager got on the phone, informing me her name was Stacey Wright. She too also had an accent and proceeded to explain to me that in order to resolve this I would have to write a letter as such:
I___________ authorize my creditors/debit $825.00s from my debit/credit card towards my outstanding amount. I ensure the payment won't get declined and I won't dispute this payment. Date of amount to be paid.
She then proceeded to inform me that I could buy a prepaid debit card from Walmart and that it had to have a 16 digit number, my name on it, the expiration date, the CVV#. I also had to provide a current billing address, my signature, a photo ID such as my driver's license. Then she gave me the fax # [protected] and proceeded to tell me that I needed to sent this information no later than Oct. 5th, but I could send the money October 6th, because as I informed her I couldn't get to the bank. Then the call was turned over to an Officer Scott now, same fella I presume, same accent and he proceeded to inform me once again that if I do not comply with this matter in full no later than October 6th @ 3PM which I stated to Stacey that I could not possibly get to the bank to get this taken care of, that the documents would be filed in the courthouse and that I will go be hind bars for 3 years.
I also asked if I could have a copy of all these documents that Officer John/Scott or this Stacey Wright person was referring to. They said I could not and that I would only get the documents when I showed up in court.
I called the Verizon 411 on 10/1/10 because I didn't recognize the #, they informed me that the number was from Washington State somewhere in the Seattle Heights area and couldn't locate it exactly.
Today, 10/2/10 I called U.S. Cash Advance, which I might add is located @ 7953 Mall RD. in Florence, KENTUCKY 41042. I spoke with an employee of the company and she asked me if I was call directly by them or by a "collection agency". I told her that it was an Officer John and that he was from Dispute Resolution Center. She proceeded to inform me that I do not have an account or an outstanding account with them and that they only do Face to Face LOANS. You have to come into the office in order to start the loan process. We do not do loans over the Internet. She definitely informed me that her company was being targeted by SCAMMERS. Their number if [protected].