Do not believe these people
My initial introduction with this company began about 2 months ago. I received a call from California on my cell phone from a man with a very heavy accent that appeared to be reading a script. The accent sounded to be of Middle Eastern / Asian origin. He was speaking very fast and I had to stop him to understand what he was saying because as soon as I answered the phone it was like flood gates open! Anyway, he proceeded to tell me I was being sued for an unpaid loan, and that I needed to pay back the loan immediately or else I would have negative demerits posted to credit bureaus under my name. They were adament about me receiving a loan - which I never did - and I know I didn't. (Earlier this summer, I was in a serious bond and naiively applied for a cash advance online, which in retrospect I now realize that's how they got my information.) Needless to say I never received a loan of any sort - I just wound up borrowing the money from someone.
So now this man is calling my phone about a loan I don't owe. I told him he had the wrong person, that I never received the loan, and not to call again...
I received another similar call about a week or two later. Then nothing...
Now out of the blue today, I received a voicemail from a women in New York, talking about this "loan" that I owe... Shocker. She, too, had a very thick accent - with hers sounding more like carribean (Jamaican, Trinidadian, etc...) I called her back, confused about the voicemail, and of course she started in as soon as I told her who I was. I mean, this woman never took a breath. I had to cut her off and tell her that she was a scam, and that I didn't owe CASH ADVANCE USA money. She then tried to threaten me, obviously peeved that I had exposed her by calling her a "scam", and said that I am more than welcome to get my lawyer involved. She said if I don't pay the money, they were going to call my job and get me fired, then they were gonna put negative comments on my credit report and prevent me from ever getting a mortgage, or any other line of credit.
I wanted to go off, but then decided to beat her at her own game. I told her, very calmly, that I never received a loan, and I never received anything stating that I borrowed/owed money. I told her that if she could provide me with copies of receipts, I would be happy to look over them and see if they were legit. She just responded saying that I owed the money and had to pay.
One very important detail about his situation is her lack of info - while she did have my SSN and routing number, she couldn't - for the life of her - give me a date of the transaction, nor the amount that I owed. Multiple times during the call I asked her when the money was put into my account, and how much the transaction was, and she got real sly, saying that I was "playing games with her" about the money and that I was going to have to pay or else. Well after she failed to tell me the amount OR the date, I told her she was a scam and that I'm not paying anything. I told her not to call my phone again or else I would call my lawyer, and hung up. She then called at least 4-5 times back to back from 2 different numbers. Finally I guess she gave up.
I'm telling everyone that has received these phone calls to IGNORE THEM. Protect yourself by checking your credit report, securing your indentity, and use your discretion as far as preventing your information from being compromised. Furthermore, don't let them intimidate you with empty threats. They use the scare tactic of disclosing your personal info and create a sense of urgency to bait you into thinking that they have clout. If you really had an outstanding debt and the cops/government officials were looking for you to serve you or take you into custody, they would show up to your door, not play on your phone - TRUST ME!
Please tell everyone you know - we've got to shut these people down!
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