Cash Advance USA review: Bogus Collections - Scammers!!! 446

william.justiniano@us.army.milClassification: UNCLASSIFIED
i never had us cash advance sorry there are a lot of scams going on i got some scam last month and they got 500.00 from my account . Send me some proof of wath you are talking about i will give it to lawyer THANK YOU .WILLIE 10/07/11, Rob Williams wrote:

> Mr. /Mrs. william justiniano
> 649 54 st, brooklyn, NY, 11220
> Phone Number:- [protected]
>
> Let me introduce myself. I am Senior Affidavit Processor Officer Rob Williams from State Investigation Department. As we were trying to reach you since a couple of days regarding a very serious matter about a lawsuit filed on your name stating that you are doing some fraud and criminal activities.
> I am really very sorry to say you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you I am sending you an final notification Email. So please take a piece of paper and write down your case file NT7768 and second thing since it’s a legal matter you will be needed my help, so please write down my callback number is [protected] Ext 2005
> For the records you...
>
> Name: - william justiniano
> SSN:- [protected]
> Email: - william.justiniano@us.army.mil
>
> The Factual Basis for the complaints is as follows:-
>
> Mr. / Mrs. william justiniano, ascertained an income advancement from US Cash Advance with your Bank Account Information as collateral for said advancement.
> Mr. / Mrs. william justiniano, agreed to return the funds from the aforementioned income advancement as per contract.
> As of today’s date the funds have yet to be returned and the collateral has proven to be null, that is to say of no value.
>
>
> At present, US Cash Advance is seeking either of the following remedies:-
>
> All funds to be returned as per terms of initial contract.
> Mr. / Mrs. william justiniano, be proceeded against to the fullest extent permissible by current Federal Banking Law.
>
>
>
> Mr. / Mrs. william justiniano, as I was investigating your profile, I found you to be genuine person so it is my duty to help you out but for that I need some right answers from your side. Also we want to know your intentions?
> So do you want to resolve this issue outside the court house, or you want to go to the court house with legal proceedings? This was a final notification Email to you as we found you to be genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount or the Settlement Amount as decide by the Court House? You have to give me a flat answer without any excuse.
> Reply to me back on my phone number [protected] Ext 2005. or Email me.
> Thank you
> --
>
> Rob Williams
> Senior Affidavit Processor
> State Investigation Department
> Utica, NY
> Contact: [protected] Ext 2005.
> Fax: - [protected]
Classification: UNCLASSIFIED

You might contact the NY state Police, they operate out of the Bronx, and claim to be agents of the state police. I can give you more details if you need.

I also got a call yesterday from "Kevine Jones" claming to be from LLC Law Office, I was given a call back number [protected]. The towel head I had on the phone told me I was being charged with 3 county Fruad, theaft of Service and Violation of Federal Banking Laws. I was also told that the media would be notified, when I requested an Index/Docket Number I was told a Certified letter would be sent to me.These people think I'm an ### and can be intemidated. WRONG. DON'T FALL FOR IT - IT'S A SCAM

Today, as well I was almost victim of a scam, I was first left a very nasty message from "john" to call him and failure to do so will result in further legal actions. It was very hard to make out the entire message, but I got the number [protected]. my called ID however had 0901 which I have been told is from India. When I called some guy read this statement to me and I was told I would be arrested and the media would be call and they would make an example out of me. ADVANCE AMERICA CASH ADVANCE. i have never taken a pay day loan, but they kept asking me for my attorney's name and number, they never asked me for money since I kept asking him to repeat himself because of his very heavy accent. he was horrible and very nasty to me, he then hang up and the "attorney" Brad Smith call me and kept asking me for attorney info. They did say I would have to go to court and pay over $5000 for some loan I never took. I called the FTC and place alerts on my SS#. it is disturbing because I was told all conversation was being recorded and they did have my employer's name, SS# and e-mail. their is nothing I can do..maybe next time I should just say "I'm an attorney"...horrible people!

All Americans should know that threatenning anyone with arrest for a DEBT is committing a crime--there is NO DEBTORS PRISON! Turn the tables on them!

I've been receiving these calls fot the past 6 mos. Evry mo it's a new person with a new company saying the same thing "I owe the $" They always say they are investigator's and that I took out a payday for $425 on 5/20/10 which now has become $700 and on 4/26/08 of $350 which is $900 from all the fees these so-called loans have collected. One of the dates they gave me was 3 yrs ago at the same time i gave birth to my son. Iv'e gotten a copy of my credit report, and nowhere on there does it have the negative charges. I want these ### caught cause there are so many people out there who have given their $ away because they are scared of the threats, but they picked the worng b**** to mess with.

I got a phone call at work from a guy with a very thick indian accent, saying he was from a law firm and that he was to advise me that I was vbeing served with an arrest warrant for fraud, because of some payday loan, they were going to arrest me and it would cost me 5, 000.00 dollars to get out of jail. I asked who was filing charges on me and he said it was US Cash.Ianted to speak to his supervisor, he said they did not have one only an attorney, I said ok let me speak to them. He said he could not but he would let me speak to someone else but I was not to ask them any questions and I was to be extremely nice. By this time I was racking my brain, I had never had a payday loan and didnt understand what was going, again I was at work and this was starting to worry me. He transfered me and the lady said I could either set up payment becuase I had never been in trouble before or they could just come arrest me and I could see a judge, I tried to ask questions and she got very hateful, so I said there is no way this is mine and they could just arrest me. I hung up on her and thought about it for about an hour, then I thought tis has to be scam, because I had never had a payday loan. So I called the number back and asked for the number to US Cash advance and they would not give it to me. So I hung up and called right back and got a different person and asked if I could speak to someone from Armerica. Then I got hung up on. I didnt aprreciate being scared like that at work, now I am jsut angry about this and that they can do this to people. I wonder how many people just pay because they are so scared. This is ludicrious!

I am so glad i found this website, i too am a victim of these scammers, getting harrassing calls on my cell phone, now they are calling my job, a man nmae STEVEN YOLKS, phone number [protected] claims he is calling from Hopkins law firm and that i took out a loan with cash advance for $300, now thats a lie! Had all my information, home address, work number and where i worked at, I knew from the beginning that he was lying, just BE CAREFUL AND DO NOT SEND ANY MONEY to these people, they are foreginers with heavy accent who leaves threating messages for lawsuits and or arrest at home or work!

i too keep recieving these calls. I want to file a complaint or even more a warranty against them! This infuriates me! the people who are calling me have a thick middle eastern accent too. They have some bogus standard name like john martin. I just wonder how they have gotten as much information as they have. I hope no one is so uninformed that they would actually give these people anymore information. I did speak with my lawyer and he said to disreguard the calls. The police said that if it were legit that there would be something served to me by a sheriff. They said they are getting calls daily from elderly people getting the same calls. This is so harrassment but what can we do about it.

I can't believe this scam continues. It is so annoying. I put call block on my phone so my phone doesn't even ring.
I contacted our local police department and filed a claim of harrrassment. I contacted the FTC and advised them of this situation. Then, I called the Attorney General for the State of Colorado and informed them. Next time someone calls you and it's Jim Smith (with an extremely thick middle eastern accent, ) cut them off and tell them your have contacted your State Attorney General Office. You would be surprised at how quickly they hang up.

I now am receiving calls from Jason Smith (equally thick middle eastern accent) claiming he is with the sherriff's department in Colorado and they were coming to get me. Oh please, get over your stupid scams. How can we stop this from happening?

I have been receiving these calls for months. I never took out a cash advance. I have been threatened with bodily injury, told that I was crazy and that I needed to see a psychiatrist. The latest call I received today was from [protected]. Look out now, because they are claiming they are the sherriff and I should be shaking in my boots. I was also instructed to contact them the minute I got the call. There are some things you can do that do work:

File a police report with your local police department. This provides necessary information regarding theses scammers.
File a report with the FTC regarding the calls, providing numbers, names, etc.
Contact the Attorney General of your state. In doing so, a database is being created allowing the government to intervene. If you can, put call block on your phone. I have comcast and it does not cost anything. The message relays the comment that this phone number is not accepting your call. Your phone never even rings.

Also, tell these idiotic, condescending yodelheads that you have contacted the Attorney General. You will be surprised how quickly they hang up.

Same thing happened to me, received a call from a number [protected] claiming to owe money for a cash advance from Dec. 2010. I know I don't owe this money cause I never got a cash advance then. For the past 3yrs if I needed some type of advance I go through my personal bank. I then hung up called the police and the police refused to do anything about it. So it looks like our tax money doesn't go toward pertecting us from situations like this. So from my understanding that all these complaints mean nothing cause nothing will get done, out federal officials will just tell us to ignore them. So it looks like someone needs to take this matter up with the supreme courts. Its the only way to resolve this matter. Good luck everybody, and never give any information about yourself

Under federal law, if you ask them for a copy of the original loan where your signature is, they must provide it to you. Of course they will argue, but hold firm. They can't produce it, when they buy these debts, they never bother to get all the proper paperwork. It will shut them down. I promise you.

Well i guess it all started when i applied for a cash advance. A company called Online Plantimum Group took out 99 dollars out of my account. Not only was it a fraudlant charge, but i received no services, or any reasioning for this charge. I filed a complaint with my bank, and was able to get the money back, but that is when i started to get the calls from " US Cash Advance Attorneys". What a scam. They constantly call me, and even after i told them that if they call me again i would press the matter with the michigan attorney general. Now i just ingnore the phone calls and voicemails that claim that they are bringing me up on check fraud. Well guess what. I am in the process of contacting an attorney, and i am sueing for stress and agervation. They now call from a number that is based out of Seattle Washington. Now there is someone in the US that I will be able to go after.

I got a call around 1:30 pm from someone claiming to be an Attorney and said I need to pay $1000.00 payment right now and I was being sued in court. This man was rude beyond belief. I asked when did I get this loan and he said last year. He then demanded my attorney information which I refused. I then told him to give me his number and I would call him right back. I got the number which is [protected] and I also Googled the look up number which is in Portland, Maine. I got to thinking that maybe I had gotten said loan and I went back as far as September records from my bank and found NO electronic transfers from Advance Cash. I then called the man back telling him my bank had NO electronic transfers from Advance Cash. I don't know how he managed to get my SSN or my phone number or even my name but he has it. He then asked me what was the name of my bank (dummy me) told him and to that he then says that's not the bank information I gave them when I got this spose to be loan. The bank name he gave me is Kohler Credit Union.. Now I am thinking a mile a minute. The man then becomes quite rude and hung up on me after I told him I never heard of that bank before and do not have a clue where it is. After he hung up I decided to look up online and see if I could locate this bank. LO and BEHOLD. they were online. so I picked up my phone and I called this bank which by the way is located in Wisconsin. Yes, Wisconsin and I live in Massachusetts LOL . I have never been in or called Wisconsin before in my life. So I called the Bank in Wisconsin and I asked the woman who answered if she would be so kind as to look in her computer and tell me if they have an account in my name there. I ended up having to explain what had taken place less than an hour earlier. She then said I was NOT an account holder there at the bank and she would be happy to do a 3 way call and explain this to the "Attorney" who is hell bent on suing me. While she and I stayed on the phone she had his number ringing and he didn't answer it at all. This is now fishy to me because if he was a Attorney then I would have thought a Secretary would have answered the phone. The woman in Wisconsin advised me to call my local Police Dept and my own Bank (whom I have been dealing with for 9 plus years). This so called Attorney has an India accent and babbled off things so fast I couldn't understand him. Several times I told him to slow down because I didn't understand and this is where he got rude with me. Now if this man thinks I'm gonna give him $1000.00 from my Social Security Check.. he is crazier than I thought. I have never done business with Advance Cash before nor do I intend to. I want his name and address as I am going to file a complaint with The Assistant District Attorney's Office in Boston on Monday morning. He said it was from a $400.00 loan. For that amount I would have just gotten the money from my 2 son's if I needed money that badly. This is pure and simple fraud.

I just recieved a phone call from us cash advance- [protected], first off I have not taking any loans out, I am not in default, second I thought phone numbers were only ten digets, when i called the number back, because the person hung upon me, the number can not be completed as dialed, who ever they are. they are telling me, i am in default and they are sueing me for the money, when i asked when this loan was taking out and how much it was for, all the person would tell me is that it was for 200.00 and that it was taking out in 2009. i laughed at this because i didn't have a computer in 2009. I didn't get my laptop till Febuary of 2011, I live on disability and can't afford for the ###. Yes, I have applied for a loan and have been turned down every time. because of my income is not enough to get a loan. I HAVE NEVER RECIEVED ANY MONEY FROM ANY LOAN COMPANY OR ANY CASH ADVANCE, PAYDAY LOAN OR ANY WHERE THAT I CAN PAY IT BACK ON TIME. AND WHY CAN'T SOMEONE THAT SPEAKS GOOD ENGLISH BE THE ONE WHO IS DOING THE CALLS? PERSONALLY, I FEEL THAT IF THEY WANT TO TAKE ME TO COURT FOR THIS. GO AHEAD. YOU CAN'T GET BLOOD FROM A TURNIP, MAYBE THEN THEY'LL HAVE SOMEONE WHO YOU CAN UNDERSTAND WHEN THEY SPEAK.

I received a call this morning at work about me not paying a payday loan that i received through US cash advance. I asked a Robert Caldwin for information concerning the loan and he said its over 350 loan companies and he didn't know exactly which one it was. I immediately got aggravated and told him i was going look it up on the internet. He cussed me out and I cussed him back and hung up. I found all these post on the internet and I thank u guys for posting this because I probably would have paid. Now i am going report this to the ftc. Thanks everyone!

I received a phone call from [protected] on two different dates, but the calls were sent to my voicemail. A man with a middle eastern accent by the name of Scott McColson left me a message saying that I needed to contact him, and if I didn't it would be very hard for me, and he would see me in court. I called Scott if that's really his name back. He stated that I had applied for a loan and I owed money back to US Advance Cash. He told me that I need to contact my lawyer and the paper work would be sent to my lawyer. I then told him I did not have a lawyer, but I am a performer so I have to deal with all types of legal procedures, and it is my right to represent myself. I then ask how much did the loan company give me. He had no answer, I then told him, I never recieved any money to my account. He told me that was not his problem he was just with the legal office. when I asked him his name, he didn't want to give me his name, and then he said his name was Josh. WOW a totally different name from what was on my voicemail. Now I have perfect pitch so I can recognize voices very well. It was the same man who left me the voice message. He refused to let me ask any question, which is real rear for a lawyer whether he is with you or coming after you. He then Hung up on me. I told him it was my right to know all the details about there case towards me. I called back several times only for him to pick up the phone, and then hang up. Finally he answer and said, please stop calling me. I told him I would continue to call until him or his supervisor gave me all the info I needed for the case. He then Hung up again. @ That time I called him back, and asked well what is my account number that was used for the transaction, he hung up again. I call all my banks, none of them had any transactions from US Advance Cash. Scott or Josh you get the point stated that the info would be mailed to me in 3 to 4 business days. then he said any other question go to the court house, and hung up. Well what court house. I live in CT so where do I go.

Im getting phone call about me oweing cash advance I owe them nothing they went as far as to tell me I was commeting fraud I asked for the number and he said he could not give it to me so I hung up on him, how can i stop these calls.

I am having this same promblem.Calling my place of work and my cell.Tell me they need my lawer.This all started end of June 2011.Triced call coming out of Mi.Now the next call Is coming out of Ca.They told me I took out A payday loan And did not pay back and are going to file Theft charges In my state.Told them to go ahead because I have never gotten any money from them.

You guys, turn the tables on them. This is a fraud...but there are only maybe 4 people in the "office" at one time. Go to google voice, and call them repeatedly...all the number you have for them. It ties up their phone lines so that can not contact other people. Funny as hell because they can not doo anything about it and it really trips them up. OH, AN USA DOES NOT HAVE DEBTORS LAWS...NO ONE goes to jail for bad debts...it will never happen, the jails would be more prevelant than houses...
Take an hour out of your day and harrass these ###s for a while...it is quite entertaining listening to them get all pissed. they get to the point where they wont answer the phone. too...

Question: How many Latinos do you know of that have thick Indian and Middle Eastern accents? When I received a call [protected] saying that his name was Jack Lopez and he was with the FBI Crime Fraud Unit, regarding a collection on a loan that I NEVER received or even paid back? Not to mention I haven't seen not one letter nor not a statement in the mail regarding this.

I glad I finally got on board this website as of this morning since I have received several phone calls for unsolicited numbers regarding this company. I got a call from a Leo Hernandez and a call from a James Patterson(with thick cannot understand Indian or Cambodian accents) from this number [protected]. The message stated that there is a lawsuit in my name regarding some bogus loan that I NEVER received or did I ever received a letter in the mail or a statement regarding this manner. I have received numerous threats from these people and everytime I asked them about this they get really rude and nasty with me on the phone, and to make matters even worse I cannot understand one thing they're saying on the phone. This was a matter that was about a loan back here around February for $431.00 and they would get my employer involved with this and they would start taking legal action against me on criminal charges. I'm sick and tired of this and I get a LOT of these calls on a everyday basis, and they're calling me on the weekends too. I told them that I don't have the money and they want me to put it on my debit card, and got nasty with me when I told them I cannot do that because it would be insufficient funds from my bank which would get me into trouble, but I will not do this! And I told them so! The calls are bogus from not only USA Cash Advance Services, but from INV Cash Services, and a bogus company called Morgan and Associates Law Firm. Is there anyone who can provide me with information so I can call in on these fools who continued to keep harrassing me about some loan that I never ever received? I'm at my wits end with this and I'm sick and tired of it. Has this company been reported to Clark Howard? Please I need serious help regarding this company's shabby practices. rayman007@hotmail.com

Co-worker hands me his phone, listen to a message sent to his phone concerning me. Indian voice is hard to understand but leaves number. Call the number and heavily accented Indian male voice tells me his name, Kevin Peterson - right? - and tells me that I have an outstanding debt to US Cash Advance and that his client is ready to file legal case against me unless I want to settle right now. I have had cash advances in the past, but not for many years. I listen and confirm information that this man has: name address, last four of SS#, email address. I do not give him any more information. He transfers me to the "Accounting Department" where I speak to another Indian accented person who starts to give me instructions on authoring a letter of authorization that I am to fax to her in order to allow them to debit my account for the $617.00! I say no way, this person says that I can use a pre-paid credit card. I say give me an address to send a payment to. Once I can confirm the debt I would send them a Money Order. This person says that they don't take anything but credit cards, I say that is rediculous. I put on the breaks. I then ask, when was this debt incurred? I am then transferred back to another "Attorney" - Indian of course, who then informs me that the debt occurred in the last quarter of 2010. I say give me a date. No concrete date is ever given. I inform this person that I am going to confirm the debt before paying anything. The Indian male "attorney" threatens me and states that they will be contacting my employer and that I will be terminated. I don't bite and say: "send me a legal document to my address, you're a lawyer right? Give me a date to respond by and then I will have an attorney look into this." Unaudible response. I say "You're an attorney right?, Yes, sir.", he replies. "Good, send me a legal document.". At this point, he gets frustrated and says that he is transferring me to his attorney! Wow, an attorney of an attorney, really!? It is at that point that the call ends. I gave no money, or further information. I contacted my bank immediately. I filed a complaint with the FTC, just a few minutes ago. Do not take this crap from sham artists, however realize as I have that most of us get these call because we used an online payday loan search engine and our data is out there floating around in electronic limbo waiting to be used in hopes that we are stupid enough to fall for bull@^*% like this. If you are getting emails, mail, text, tweets, phone calls concerning payday loans - opt out. You have to opt out, remove yourself from call lists, email lists...etc. Be active because doing nothing produces nothing. You have no defense if you don't defend yourself.

I would like to alert everyone to phone calls from an "Agent Marshall with the FBI Internet Fraud Divison" phone numbers; [protected] & [protected] saying he is calling on behalf of Cash Advance America to collect monies they say I never paid back...DO NOT FALL FOR THIS MIDDLE EAST SCAMMER! I too have never had a loan with this company! His message to me was if I did not pay the loan to him right then he would have the FBI Agents on my door step first thing Monday morning to arrest me. He also would not give me the number to call Cash Advance America and said I would have to deal with him only. He had my SS# & my e-mail address and said the company had sent me 23 e-mails trying to collect. Right then I knew somehow I was being scammed. I did a reverse phone look up and the number was from San Jose, CA. I looked up and called the FBI office in San Jose and told them of the phone call. The FBI Agent informed me it was not them, not their phone number, they do NOT collect or hunt down anyone with bad debt unless it was Big Corps. The agent advised me right then to call the FTC and file a complaint which I did. The agent at the FTC said the complaints coming in on these type calls were huge and not only is the FTC hunting them down, but the FBI has gotten involved because of their name being used. I had kept my phone message from this scammer which the FTC Agent listened to and recorded himself. Keep all your messages and let the FBI listen to them, it gives them the evidence they need. I was told by the FTC to call my bank and all credit agencies and let them know so a security alert could be added to my accounts. Do it people, call the FBI and report, call the FTC and file a complaint, call your bank and call the 3 reporting agencies.
Somehow, some way, these crooks have to be found, stopped and made to answer for their crimes!

I am very very glad I googled this information because I have received a very disturbing call from Mr Nathan Davis and the number was [protected] and he also woudln't provide me with any information and told me that there was 3 criminal charges being filed against me for a payday loan that I took out from cashadvance.com (have no clue) on who they are! However, he wouldn't give me any validity of this assumption and proceeded to tell me that my case was being downloaded into the court at 11 PST...Really disturbing!

they asked me for me to fax a copy of my driver' license, and my debit card information and I owed $300. I ask for the reference numbers to the "issues" they were supposed to be calling in reguards to. and they he wasnt able to give me any. He said he was going to report it to my work company and get the money himself. I have my receipts, went to a actual place, and they said i didnt owe anything, its a scammer in their system, wow...

I just got a call from them myself saying that I owe a debt. Well i missed the call and the lady that left a voicemail was rather threatening I feel claiming that it is time sensitive and if I dont call back immedialty everything that happens to me will be because of my own doing and that I better a very good attorney. Well I called back using a friends phone and they were claiming to be a law firm representing American Payday loan. I have NEVER had a payday loan. So I requested them to send me a letter verifying I owe the debt. The guy on the phone proceed to tell me he couldnt do that in case I would default. Well after I told him that under the FDCPA I have a right to request verification of the debt. he started to get real short and rude with me. Claiming that they are going to take any property I own to collect on the debt. Well after that threat I told them I am ending this call and they have broken several aspects of the FDCPA. After I hung up they called my friends phone number back and rather then dealing with them when I answered it I told the new guy that called that I wasnt around and that he was speaking to my friend (which it really was a friends phone). If it wasnt really me he would have told my friend all about the debt and the fact that I will be arrested in the next 30-60 days. Reported to my state AG and the FTC.

WOW, I am glad I did my research and found this site. I received the same phone call at work today saying I owed a payday loan from US CASH ADVANCE for 786.00. He said his name was Officer Joesph Gardner and gave me [protected] as his phone number. I googled US CASH ADVANCE and contacted them. They said I didn't owe them a single penny and that they are aware of scammers calling. I called back and pretended to be a lawyer...every time I call, they hang up on me. SOOOOO funny. Do your research before you pay any money.

Had a wonderful conversation with a guy named Jack Thomas with a thick Indian accent. I was slightly sarcastic with the guy, saying I didn't know that India had become so westernized. He kept asking me if my name was Jason, which it was, but I denied it to him. He kept telling me he needed to talk to "Jason" and I kept telling him that I needed a million dollars. This went back and forth for a while until I told him to take me off of his list. He then replied he wasn't going to take me off any list, so I asked to speak to his supervisor. His supervisor came on, which sounded like the same guy and he had a different name. I forget what it was...something like steve johnson and I, of course commented on how coincidental that I would talk to TWO Indian gentlemen with very western names. I then asked him if he had ever heard of something called google. He repeated the word google as if I had said a word he had never heard before (or I caught him off guard) but he quickly recovered by asking me again to speak to Jason and that it was a legal matter. I informed him that I had googled the telephone number that he was calling from [protected] and that the scam was revealed to me. I said, apparently he had been busy, since I am sure not everyone reports these types of incidents online and there was at least 100 complaints about him and his western name and indian accent. He then told me the last four digits of my SSN, to which I again told him that he wasn't speaking to Jason so I don't know why he is trying to tell me someone else's information. He then told me that I better give him my fax number. I said, "Are you guys still using fax machines in India?" His whit fails him and, again, reverts to asking me to speak to "Jason". I tell him one more time that I am not Jason, but that I am sure the police will be glad to talk to him and that I am recording his voice. He promptly hangs up. Go figure.

I just got the same call. Actual, ly my wife got a message from a Rachel (Indian accent) saying that we owed money and that if we did not pay it we would be sued in a local court. I called the number several times and was told by a recording that the mail box was full. The number: [protected]. I finally did get through and some guy answered (again indian accent) and immediatly I asked who I was calling since the guy just said hello and did not identify himself or the "business". I gave him my name, he told me that I had borrowed $700 from Cash Advance America for a payday loan. I said I never would ever do such a thing, when was the money borrowed and where did it go. This guy gave me a date, but when I pressed for more info like the bank or mailing address we got disconnected. I called him right back. This time he identified himself as dominique from debt solutions. After some more talking he claimed that it wasn't a loan, but a payment for some device to lower my energy bill and seemed surpised when I have never recieved such a device and then wanted to sell me one.
Here is how you deal with people like this. You take charge of the conversation. Talk over them and keep asking questions until you get the answers you are looking for. The main purpose of this is to trip them up and find holes in their story. Once you do that, go in for the kill. Don't let up, they get flustered and say you are confusing them. You just tell them, "No, I'm taking control of this conversation. I want some information and if you will not give it to me we are done. Don't call, email, or write ever again!" Then hang up, or you could stay on the line and start insulting them, it was kind of fun. They believe if they can keep you on long enough, they'll say the right magical combination of words that will make you fork over sensitive information.

This happening to me...OMG!

Get a copy of your credit report, and request a copy of the loan papers. They have to provide you with proof of the debt

I registered my own complaint as I recieved similiar calls today - I called the FTC they said it is a SCAM!

I am also very glad to find this site. I received a call today from a person named "Jacob" who said that they were suing me for fraud because I had received a loan and I had given them false bank information. First of all, if I had given him false information how would they have deposited the money into my account? I asked him to tell the loan amount and who it was for and he said USA Cash. He asked if I had a lawyer and when I respond NO then he said that I had to options 1) to settle out of court for the sum of $1045.00 or 2) go to court. I asked him for this name and number and he hesitated. After the fifth time of asking he told me his name was "Jacob" and that his number was [protected]. He also had a very thick Indian accent. I told him not to call my work number and that I would call him back. He kept asking to talk to my employer and I told them that I would call him back. I hung up on him and he kept calling back right away. Each time he called I told him to stop calling me at work and that I would press charges for harassment, he kept saying he didn't care and kept calling back. I finally had to transfer the lines over to the exchange. I tried calling the number and there was no answer and no messages could be left. I then decided to look them up online and, well, that's how I found this site. Unfortunately, I believe they will be calling back.

FBI WEBSITE: E-SCAMS & WARNINGS: Telephone Collection Scam Related to Delinquent Payday Loans

12/01/2010—The IC3 receives a high volume of complaints from victims of payday loan telephone collection scams. In these scams, a caller claims that the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check cashing services.

One of the most insidious aspects of this scam is that the callers have accurate information about the victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and names and telephone numbers of relatives and friends. The method by which the fraudsters obtained the personal information is unclear, but victims often relay that they had completed online applications for other loans or credit cards before the calls began.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide to the victims any details of the alleged payday loans and become abusive when questioned. The callers threaten victims with legal actions, arrests, and in some cases physical violence if they refuse to pay. In many cases, the callers even resort to harassment of the victim’s relatives, friends, and employers.

Some fraudsters instruct victims to fax a statement agreeing to pay a certain dollar amount, on a specific date, via prepaid visa card. The statement further declares that the victim would never dispute the debt.

These telephone calls are an attempt to obtain payment by instilling fear in the victims. Do not follow the instructions of the caller.

If you receive telephone calls such as these, you should:

■Contact your banking institutions;
■Contact the three major credit bureaus and request an alert be put on your file;
■Contact your local law enforcement agencies if you feel you are in immediate danger;
■File a complaint at www.IC3.gov.

I have been recieving phone calls from this same place advising that I borrowed money from an online cash advance for $435 then they said $300 back in 2010. I advised him that I have never recieved any cash loan from any company. He then told me I was a liar and that I gave my employer information and a reference name. He said that he would be filing a law suit the nest day in my state of record. I told him its clearly identity theft and he would not listen to me. They have been calling me daily since last week. Yesterday they called my employer. This is very stressful. I have filed a police report and am hoping that this stops.

I received a call today saying that I had to go to court in California tomorrow and may need a lawyer or I will be convicted under 3 counts of crimal actions and one being check fraud. They claimed I owed them $478.78 and I did not consent to their agreement with my signature. I do not know if I really have to go to court but from reading others complaints it is apparent that this company Cash Advance America is a fraud. They even said that my job would get paper work in the morning from the court house in CA. What is this world coming to that people can scam like this and get a way with it.

I just started getting these calls 2 days ago and they have left detailed messages at my employers also stating that it is a legal matter. I have received a payday loan, but not from any of the US Cash Advance Companies. They have all of my information, including my SSN. Who do I contact to make a complaint? These men are veery difficult to understand and not even calling from the same place. It shows on my cell phone where the call is coming from and one was from Seattle, WA and the other Los Angeles. Please help!

wow, all these stories sound pretty much like the one call i got today, these ###ers are apparently still doing this ### and my nerves were shot all day long until i found this site..so thank you, i will have to change a few of my things now though