On September 23 and September 25, I received voice mail messages on my cell phone. Both messages stated that there was an issue that required my immediate attention. I returned the second message and was told that I was being charged with bouncing checks and money fraud. I was told that I should prepare to be arrested by my local sheriff, placed in jail and be able to post bail.
I asked what the charges were in regard to. I was told that I had requested a payday loan in April and failed to pay it back. He had the last four of my social security number, the last four of my current bank account, the name of my bank, and the street address of my residence.
The total amount that I owed was $5,384. I explained to the very rude, obviously foreign gentleman on the other end that I had no idea what he was talking about and that this was the first time I had heard of 1st. U.S. Bank.
I than explained to the gentleman that there is no way that I could have requested a payday loan in April because that particular account number he had not been opened at that time.in fact, I had no accounts with the bank at that time. He responded by saying "so." Your name is on the application. He even had the names of two of my relatives that I had alledgedly used as references.
Out of curiosity, I asked him what the name of the company was and where it was located. He asked my if it would affect the case. I said I don't think so. I just want to know who I am dealing with. It is my right to know, I said.
I researched the company and found that there were several other individuals that had been victimized in the same manner as myself. I did contact my local police department. I have also contacted the Federal Bureau of Investigation, Federal Trade Commission and the California Attorney General. When I looked up the company's address on an address locator, it was not a valid address.
I have not heard from the company since the phone encounter.
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