Robert Matthews, United Legal Processing Div. Called my job to tell me I owed a balance of $925.00 to a loan company. I was being charged with fraud and will be arrested for not living up to the loan agreement. He threatened that I would be arrested @ my job and my manager would be called. I argued with them indicating I owed no one because my debt was being managed by a reputable credit counseling co. All my creditors had been contacted and were working with the credit counseling with payments.
I insisted on knowing who the loan company is - Robert was very vague and unclear. He indicated I could fight the charge and go to the court, but I would be arrested first or I could make the payment. I told him I was a law abiding citizen and have never defrauded anyone. I was not going to pay the balance. Robert continued to instill fear that I can make that choice but I would still be arrested. He put me on hold and later came back and said they checked my background and noted I have no criminal history. However, he persisted if I didn't pay they would arrest me.
I insisted on trying to obtain the loan company's name but Robert was very vague. Feeling under duress, I told him I would pay but he would have to accept payments. I didn't have $925 lying around to give him. He then asked how much I can give initially - I said $250. He put me hold and then told me they would agree to that amount as long as I pay the balance - $675 by the end of the week - Friday, 08/15/08. I provided the necessary info and the $250 was out of my account the next day.
On Friday, they initiated the $675 remaining balance against my account. My bank splits payments for that large amount so $300 was sent Friday and $375 was sent by Saturday or Monday. ULPD received the $300, but in their impatience they re-initiated the $375 debit a second time - a split of $200 and $175. They finally received the first $375, but also accepted the second $200 and $175 - so they were overpaid $375. I have been calling daily since 8/15/08 to get this amount back. It caused a negative balance in my account.
I told Robert it's amazing how I had to report and call in daily until they received the first payment of $250 or they would report me to the court, so he said. Now that I am trying to get the $375 back, he is never available. I would get messages he was in meetings.By the end of the day, I did not receive return calls. Robert claims his department doesn't handle the financial end, another department is handling it.
I sent Robert a fax showing the negative account balance and fees against my account which amounted to $240.00. I told him I wanted the $375 plus the overdraft fee amount. The fees are adding up until I get paid again. I will be faxing that info to them today, 08/28/08. Robert tries to sound like he emphathize with me and understand how I feel. He said the loan company is trying to re-send the mony back electronically, but they are having problems. He said it should be resolved by Tuesday, 09/02/08. I told him he had been telling me that all this week.
I told him if I don't see the $375 the $240 overdraft fee in my account by Friday, 08/29/08, I will be filing a suit against them in Small Claims Court. I told him I shouldn't have to call him every day to understand the status of the situation. I demanded that he give me the loan company's name and asked why he had not sent it. He said he had to wait until the loan company pay back the overpayment then he could send me a statement indicating the outstanding balance was paid. I told him that has nothing to do with that. He can send me the information now. He told me the company's name was on my account. One debit was from Midland Marketing and the other debits were from All American Services. I told him I never heard of these companies and need their contact info now. He said he would call me the next day to keep me posted on the situation.
I don't trust that he will call me. I don't trust that anything is being worked on. I need help from someone who can identify who this company is. Robert sounds like he's from India. I work with employees from India, so the accent sounds very familiar. Robert claims they are a reputable company and they only work with reputable people. Well, in this age of technology, funds can debited and returned in 24 hours electronically. It doesn't makes sense that a company need a 1.5 week to figure out how to return the money.
I'm angry with the situation that people are potentially scamming people thru this venue. I want to see this company arrested! I need someone's help.
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