I have been through the very same thing as all of you. I really did take a loan out online, but when you apply, you are blanketed to a zillion other websites. I paid my loan off in small $50 installments, and at the time the harrassment started, I was still making my payments. I did in fact miss a payment, and just so happened to be the same time frame the calls started coming in. I got a phone call at work, as well as on my cell phone from a man with an accent saying his name is Jack Smith from American Credit Services. ( The name and company would change from day to day) The person named Jack ( odd name for a forigner) said that he had a legal matter concerning my name and my social security # to discuss, that this is a very serious matter, and that I need to call him or have a retain attourney call IMMEDIATELY. He stated that I had defaulted on a payment, and that the company did not wish to talk with me since they think I am a CRIMINAL. Jack would not provide me with the company's name to which I took the loan, nor could he send me documentation. I was scared... Jack asked me to send a money order in the amont of $2000 for a $400 supposed loan. I found this to be concerning, so I contacted PRE-PAID LEGAL, and they said it was classic fraud, and to file a complaint with the attourney general. I did both, but for almost 2 years now, continue to get threatening phone calls almost every month. I don't want to change my #, so I just ignore the calls. I do get nervous though every time.
I did check with the company that I had taken the loan with, and they said I was still in good standing, and that even with a missed payment, they would NEVER send me to a collection agency like that, and that I would be notified by them. They said they would just charge 2 payments when there was a late payment, no big deal.
I am so thankfull to find these posts, it makes me feel as if I am not alone!
