Saturday, December 11, 2010

Payday Loan Scams

This information was posted on the FBI website.

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim 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.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.
Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.
If you receive these calls, do not follow the caller’s instructions. Rather, you should:
  • Notify 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.
Tips to avoid becoming a victim of this scam:
  • Never give your Social Security number—or personal information of any kind—over the telephone or online unless you initiate the contact.
  • Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
  • Avoid filling out forms in e-mail messages that request personal information.
  • Ensure that your browser is up-to-date and security patches have been applied.
  • Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
  • When you contact companies, use numbers provided on the back of cards or statements

33 comments:

  1. So I need to let you all know out there I have been getting the same calls for over a year now. These guys are such idiots ....to keep calling.me.....so instead I got pay back and educated myself. Everytime these idiots call I always start off at yelling.at them....they try to say they are trying.to.collect.on a payday loan I supposedly went diliquent on....I laugh and scream bull****.....and repeat this back to them .......under FTC regulation they need to provide me.with the business information of their companies name address business lic# and if they claim they are from an attorneys office..... I yell back that.under the.law they have to.provide.me with the.bar associations lic# .....anyone who calls you from a debt.agency is obligated.underneath the.law.to provide this this info.....now here's how .much of.a dumb as theses guys are......first.its.always some.dudes.with INDIA accents..... second.its the same ass****'s that call they just use a different.company name .......I've been.hit with national payday advance, quick cash, and American payday loans and much more...they are such idiots....if one calls you stating....if.you.don't.pay them. They will call your job or file paperwork and sue you....tell them.this.....come and.get.it.you piece of s***........ you can have half of.what.I.got....which is all my debt.and.soon to be damage fees after a real attorney rapes your.ass and.prosecutes you for false representing.yourself.as a debt agency.....my advice to all of you is f*** with them ....always f*** with them .....eventually when there.is enough of us.doing.it.the dead beats maybe can try.to.apply for.a McDonald's job ....instead.of.trying.to scam us out.of.our.hard working.income.......and some.here's some...helpful advice always check.your.credit......bank of america has a program called privacy assist or.there.is. identityguard.com these will let you know.exactly.what.is going on all the time......and if they say you Owe a debt check.the.credit....if its reported it could be.ligit... however always double.check and.if.you think.your information has been.compromised dispute it.........as fraud and the credit.bureau will investigate the.company.....you can also check a.businesses ligit status.at the better.business bureau website....a ligit company has to hold a license in order.to.service the.public. .....hope that helps and.....like.I.said always f*** with them ........until they get the.picture ....though I.still get calls from.them ...like I.got.one.today....they arent as.often and they always recognize me.by when I.starting.going.off.on.them.....

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    1. no need to argue or yell--just tell them to do what they say and you will be waiting for them. That you would love to see them in court. After a few times, they stop calling. Trust me--it always works for me.

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  2. So I got a call today from the same type of company. Like the previous comment there were two men sounding of Indian descent stating I took out a payday loan to a prepaid debt card. Well thats bull**** . So I then start arguing with the guy "if I owe it send me paperwork stating I do, send me everyting uhave on me , take me to court I cant wait. U have to dig ahole in their asses seriously.

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  3. I have been getting these call stating there from the Internet crime complaint center. Her name is Kimberly and she state she works for the FBI Internet Crime Complaint Center. Has this India Accent and I kept asking her who this payday loan company was, and she told me she wasn't playing my games and I will just have to go to court. I told her yea ok you don't even know the company cause your nothing but a scammer. How do they get my number when its a new phone number.

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  4. well they have my email address and home phone which is different from my cell because its my sister number and she tranfer her number when she move in with me but they ask for me.they call my job a year ago my job got involve because he was bad mouthing the office help.so my job start to investigate and it stop but now a year later they are calling and emailing me even after i talk crazy to them and told him to do what he had to do and ask for prove i own and let him know i know it was a scam.they have got smarter with the email now they have if you not the address of this email do not copy and destroy email.I guess so if they get caught the can said it was not intended for me.last email they had my name address ss no. a lot of my info.I wish they catch these scammers.you would think with them using the internet something will give them away.

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  5. AmericanPayDayLoan called me and said I was approved for $1500.00. They want me to wire them $150.00 for security deposit.nThis happen to me beforenjdoes any one know if this id legitmate?

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    1. I just recieved a call from them and decided to investigate them because it did not sound legit. I would not do it if I were you because most payday loan companies do not require any deposit, they only check your info to find out if you qualify, so if you do, why would you have to make a deposit. If anything you should report them to the BBB, like I am doing! Good luck.They told me I was approved for more than 1000 but I had to first purchase a Green Dot Value Card and place 150.00 on it. He got frustrated when I asked who the company was and wouldn't give me any more information. He claimed if I didn't want to do it then he is not forcing me. That was enough. I never applied for a "Personal loan" anyway.

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    2. not legit i was scammed $420 today by AMERICAN PAYDAY LOANS

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    3. Dang that sounds so familiar this just happen to me!! They took my money!!

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    4. no it not legit.don't be a fool

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    5. America payday loan scammed me for 350...some guy named William....the number is 206-317-1680

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  6. It isn't legitimate! American PayDayLoan is a SCAM! They are located in Delhi Mercad, CA, but you have to wire the money via Western Union to Dehli, India; you have to mark the application as "personal", and they will give you a "contact" to include on the form like SANDASH or some other Indian name. They tell you that as soon as they receive the money, they'll transfer the money to your account, but it never happens. You call them and they'll tell you there is a technical problem. There is no tech problem, and you'll never see your money. They pulled this crap with a friend of mine who was desperate for money. I loaned her the money she needed, and AmericanPayDayLoan is well known with fraud agencies across the country. Be careful, if you need money that badly, do your research. Legitimate pay day loan companies DO NOT ask you for momey! They will ask for your personal information, your employer, the last two times you were paid, they will call your bank and verify the last two salary payments made to your account, and you will receive your money the next business day.

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  7. They r doing it to me to American payday loan. Threating to take to court and everything else that was said above India accents very mean and nasty. I will file a complaint with the ifc

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    1. they got me for 225 on a 3000 dollar loan today! what or how can we get or monet back???

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  8. Just got my call today from these same folk!!! When does it end. I told them to tell me the company....send me paperwork....then he got upset and said i would be served papers by the sheriff within 24 hours. I will take this to court if they continue PLUS I plan to file with the IFC if they continue!

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  9. i was scamed out of 365. in january by a so called on line loan company i still have not recovered i am now forced to file bankrupty when will we be safe in america!! I to was threaten at work to go to jail if i didnt pay 1200 for a 200 loan please be carfull!

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  10. I got the same threats and threats of being arrested in the next 24 hours from these Indian pricks! They did their schpeel, but then said (with an attitude) that their client is "American Payday Loans." I never had an account with them, ever, and in Colorado, it's illegal for anybody to do any business with payday loans (or any relevance to it) via online or over-the-phone.
    Plus, I've been bombarded on several occasions (sometimes literally all-day and even way past hours of operation at 11:30pm and later) by these pricks! Also, I am on a "DONOT CALL" registry. These "people" have broken countless local, state and federal laws, and we're outsourcing our jobs and funding to them? What in the hell?!?

    These "people" told me that I owe a huge debt to American Payday Loans in the amount of $8,845.00, not including attorney fees, court costs, etc. They even went so far as to threaten me "being arrested, my credit report being shot, employers not going to hire me, etc." I am a Disabled/retired veteran, and I am wondering who in this country actually "sold our information", if these "people" have such accurate details (without us telling or verifying any of it)? Good Lord! This is really starting to piss me off to no-end!

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  11. Barela family of 5 was taken for $200 America's paydayloan the guys ray Martinez he said he worked with my bank and had all my info earlier that day I got a loan for 240 dollars from my bank Wells Fargo after I receive my $240 dollars I went to sleep for a while and my wife woke me up with a guy sayinging I could get a loan for $3000.mobility impaired and my job was lost due to a work injury my daughter is due this month 27 we really needed that money going to 200 dollars I knew place will be open for another 3 to 4 weeks it's called community of friends don't know what to do now can't make police report until Tuesday until then I guess the guy gets away his name is Ray Martinez phone number it I will give you 302-724-9132 and ther acct# endinging 0057 that's all the greed dot man will tell me and that I had to make a police report if you can help please due you can even go to google look up rudy barela rv see our strugle.310-625-7938 barela family call us if you can help doughter is due 27 our place won't be ready for 1 month

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  12. Ya I got the same call from Amarica payday loan. They said that I was qualified 4 a 5,000.00 doller loan. If I would send them 350.00 dollers they will put the funds in 2 my Account. I told them they are full of shit. You do not need 2 put money out 2 get a loan that kind of beats the purpos of a loan. They are nothing but scamming assholes they do not want to work and they want to screw other people out of their hard earned mone so don't believe anything they say. That's all I can tell you

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    1. I feel your pain. I was scam for 110.00 dollars, by pay day loan America. I was applying online for a loan to take my son on vacation, and ESE student and his heart be broken, and lose a lot of money. I'm on social security disability check, and these people do not care, they are very selfish! They need to be stop! I just I hope not funding for terrorist, its a joke they call their company America, its a insult. ! The agent wanted a another 170.00 in a green dot card , when I didn't have the money, they went to 125.00, I'm glad I read your testimonies, I need to change my account information, b4 they really rob me.. how do I file a complaint? One of my dear friends told me, file a complaint to district attorney office. Please help me... I'm sorry for all the people that was victimize...

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  13. Plus, I've been bombarded on several occasions (sometimes literally all-day and even way past hours of operation at 11:30pm and later) by these pricks! Also, I am on a "DONOT CALL" registry. These "people" have broken countless local, state and federal laws, and we're outsourcing our jobs and funding to them? What in the hell?!?

    These "people" told me that I owe a huge debt to American Payday Loans in the amount of $8,845.00, not including attorney fees, court costs, etc. They even went so far as to threaten me "being arrested, my credit report being shot, employers not going to hire me, etc." I am a Disabled/retired veteran, and I am wondering who in this country actually "sold our information", if these "people" have such accurate details (without us telling or verifying any of it)? Good Lord! This is really starting to piss me off to no-end!
    upsidedowncarloan.net

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  14. I just finished my telephone call with these jerks. They wanted me to send them $390.00 using green dot and only the paper not plastic. Reason for this was the time it would take for them to redeposit my money into my account. These same people did this to me last year and I did not play their game then or now. How can one be protected form these guys. I agree, they sound like they are from India. Think I am going to text them this information. Hope they don't con anyone else today!!!

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  15. had a call from unavailable number told me to call 904 827 7520 this man said he was from www.american -payday-loan.com and then he want the number give to me . when i went to the web site he said he couldn't talk to me anymore i needed a number him at i ask where he was he said florida . i called and told not to call me anymore. 3/25/2013

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  16. They just got me for $525. first they tell me in order for me to get a $1500 loan, I had to buy a vaniilia prepaid visa and put $125 down to insure that I will make my payments, I do that, and expect to see the funds transfered into my account. Not their, so I call back they tell me that it was a red flag on my credit report, and I had to pay $225 to get it removed. I argued with them that I didnt have it and then they said all I have to pay is half they would front the rest. So I did, still no funds. I call back they were having problems putting the money itnto my account, so they had to western Union it, but western union would have a charge of $600 I argued i didnt have it, they said they would pay half and I pay $300 and Mike would stay on the phone with me until the funds were transfered. Like an idiot I did it. Oh I forgot they uped the loan to $3000. they gave me 2 fake MTCN numbers wich the people at western union could not find. No trace of the company or me. I feel like a fool. I took $300 for my joint account thiking that I was going to put it right back in. Now I am short for my rent, my babys daycare. And I have a pissed of wife. I wish I new where these chumps lived. May the wrath of GOD come down hard on these dudes. 4/2/2013

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  17. I've been getting calls from these folks for the past 4 months. I have changed my acct number w the bank and working w a loan assistance center. I've been getting harassing calls from them telling me that they are sueing me in my county court. its against the law in my state. they have called my parents numerous times. there is no way they would have their number. how do they do that. my poor mother is scared out of her mind not understanding all this. they have told these people over and over to stop calling. they have call my work. i have caller id there and it didn't show where this person is calling from. the # 855-486-6512 is an answering service. i have no idea how to get rid of these people. Im going to talk to a lawyer very soon. Im at my wits end

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  18. american payday loan is a complete scam. screwed me out of $210.00. keep away from these people!!!!

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  19. I was also scammed by these creeps on Thursday. In a desperate attempt to pay off several debtors I put $120 on a green dot card. I feel so stupid for not doing the research. The guys names are Ben@972-594-9329 and Rabi@917-477-8731, since I can't get my money back I call them over and over again to let them know I'm gonna get $120 worth of harassing you now. These are the biggest assholes around. American Payday Loan my ass!

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  20. I don't know if anyone else has had this done but a loan company deposited $200 into my bank account with me even signing an agreement or requesting from them the loan. My mind says take the money & run but then I read they are unlicensed so I should have them reverse the deposit & close the account....sounds like free money.... the company is united holdings.. anyone know of them?

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  21. contact the state attorney general in the state they are calling from and file a complaint

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  22. I too was scammed out of money. The company said that if I were to pay the proccessing fee that I would get my loan within minutes after the fee was paid. I called them back to find out why the money that I was borrowing was not in my account yet and they said that the US Government was holding the money because I had to pay taxes on the loan money. I am not sure why I needed to pay any money upfront to get my loan, so I called the US Government to see if that was true and they said that it is a scam. I am in the proccess of getting my money back from the fake payday loan company. I am taking them to court.

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  23. I received some info from them also. I did not fall for this one but I have been scammed by something similar in the past. I say have some fun with them.. Just keep sending them emails with the stupidest questions you can make up. I signed one of mine "Juan Tequilleu", translated as "Want to kill you...". Sorry you folks got scammed. I can relate and it just pisses you off the more you think about it. Hopefully these jerks will get caught.

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  24. im getting these calls day after day finally I told them I was reporting them to the attorney generals office in Massachusetts we don't like pay day loans in this state just ask cash call how they like this state lol

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  25. How do I find out if this is real. The man that called his name was Brandon Walker number is 1-901-347-4002

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