My husband was a victim of ID theft due to an advance loan fee scam through TRANS CREDIT FINANCIAL. Once he was aware of what had happened, he contacted all online payday loan places and told them what had happened and I faxed the police report/fbi report and the ifcc report to them.
United Cash Loans has been threatening to have him arrested and wage garnishment, and severe harassment at his place of employment, which is a violation of the fair debt collection act. They have been notified to stop calling at work, and they keep ignoring the request. Since a copy of the report to the FTC was faxed to them, they have calmed the calls down at his place of employment. The officer who took the report said that they can't legally file anything due to having a open police report.
On 9/13 I received a phone call from a woman named Christina supposedly from United Cash Loans, and she stated we had 48 hours to pay 510.00 on a 300.00 loan for procedures would begin. I informed her that I had all documented proof of the theft and that they are not licensed to do loans in the state of Nevada. Christina told me to prove it and I faxed the documents to her from the Financial Institution in Nevada that they had sent me. She then called back and told me she wasn't from United Cash Loans and she was from Pinion Management in Carson City, Nevada.
I told her she was violating our rights with her threats and that I would have the officer who took the report contact her and she stated I didn't have the guts to do that. Within the hour, the officer called and told her she had two choices, either cease and decist the threats or criminal charges would be filed. She stated that we were stealing money from them and he stated to her that it isn't stealing when no check was signed and being a victim of ID theft. We only have to pay the 300.00 back because they were notified of our checking account being closed due to the id theft, and that they are the ones who chose to keep trying to debit a closed account. Christina has to take $25.00 monthly payments til the loan is paid in full.
Does anyone know anything about Pinion Management? If you do, please let me know who they are and if they are a scam collection agency like Ellis Crosby and Associates.
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