I received a voice mail message on Saturday August 1 from a man named "John." He sounded foreign, his accent was heavy. I had to listen to the message twice to understand it all.
He left the number 408-331-8996.in his message he stated I needed to return his call because it was very important, or that my attorney needed to return the call. If I did not contact them, he said they would take legal action against me and I would lose my job.
I called the above number. I couldn't understand the man's name because he was also heavily accented.
He asked me for my name and using it pulled up my "face sheet" on his computer. He then asked for verification of my email address, the last four numbers of my social security number, and asked if I knew my mother and my best friend. When I asked where he got their names and my personal information, he claimed I had provided the information on an application for a payday loan.
He claimed to be a representative of Fast Cash International Creditors. He said I had taken out a payday loan and not bothered to pay it back.
He yelled and spoke over the top of me as I asked questions about who he was and who the company was. I asked for the amount of the payday loan and for the name and number of a supervisor.
After trying to argue with me for about 3 to 4 minutes he put me on hold to transfer me to a supervisor from Fast Cash International.
The man who then got on the phone with me, accented also but not as heavily as the first two, said his name was "Mathew Wilson." I asked him for a supervisor and a direct number because the previous person transferred my call. "Mathew Wilson" claimed he was a supervisor who was "taking care of these things" for Fast Cash International Creditors.
The more questions I asked, the more angry he got. He did eventually give me a direct number to him (714) 598-4239. I told him I had not taken out a payday loan and that I believed he was scamming me. He became more irrate, started yelling. I told him I was calling the police. He said "You do that!" and hung up on me.
I then immediately called my local, nonemergency police number and explained briefly to the operator what happened and that I thought it was a scam. Fifteen minutes later an officer showed up and I explained all of the above to him.
He told me he thought it was a scam and that he would try to make contact with these people. He went to his police car and called the person at the provided number. He told the man he was harrassing me and that he was not allowed to contact me again.
I've been stewing about it all day and decided to look them up on the internet. I couldn't find them but I did happen upon this site and decided to file a report.
I see there are alot of people with similar experiences with the same "comapny." My advice is to call Experian, TransUnion, and Equifax to let them know something fishy is going on. That way no one can screw up your credit. I've already closed my bank account but I will be contacting them for copies of my account activities since January of this year. (That way I can prove I received nothing from any company in my account.)
I am also contacting the Better Business Bureau, the US Attorney General, and state authorities. According to the police officer, the FBI could get involved if there's an investigation.
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