8/12 I got a message at work from the Financial Accountability Association that I need to call them immediately, they had a legal matter to discuss with me. This person told my co-worker that if I didn't return his call, I would be in a lot of trouble. The co-worker being in collections and knowing the laws told the company to stop calling me at work. They proceeded to call me five more times in a 6 hour timeframe at work. At first I thought it could be a debt that I truly owned and I wanted to do the right thing and try to take care of it. Once home, I called the number and got a man named Dean Jones (heavy Indian accent). He informs me that I was being sued for not paying a payday loan I took out in December. That if I didn't resolve this matter now that I would be arrested. I told him I did not take out any loan in December. I asked who he worked for and he told me Federal Legislation of Unsecured Loans Association and that he was trying to collect the debt for One Quick Cash. I told him I never heard of that company and ask for their number, he said he could give it to me but if I called the company they had been informed not to release any information to me because of the lawsuit. At that point I started to get suspicion. I asked if I owed this company money why had nobody every contacted me to collect on the debit. He said they had record of sending me 16-18 e-mails and I never responded. Why no phone calls, Dean Jones said it was against the law for the company to call. At this point I know the whole thing was a scam, but played along so I could see how much information I could get from him. He told me that I owed his company $745.53. I laughed and he hung up on me. I called him back and said that I was sorry that I laughed and that I really wanted to get to the bottom of this. I asked what I needed to do to make the calls stop. I was informed that I would have to write a letter of apology to the company and pay the full amount due and no further legal action would be taken. I said I would have to check into it and call him back, he once again threaten me and hung up. I called my bank and they have no record of me receiving a payday loan from a company named One Quick Cash or any other payday company for that matter. They also showed no record of me having default on paying something back. I called and reported it to the FTC and was told this a scam. Once I filed a claim with FTC, I called back Dean Jones saying that I had connected the FTC and filed a claim and that I knew what they were doing was a scam. I hoped that would have stopped the calls, but the next day the called my work again threatening me all over ago. This time Im filing with the BBB and the State Attorney Generals office.
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