I took a Payday loan with MyCashNow.com on August 22 for $1000.00. I was told that I would payback $1239.40, since my husband had had a stroke and was in the hospital I needed the money for the payment to the ER since we have no insurance. I get paid on the 15th of each month so I set up to pay the loan back on September 15. I go an email from the company on 09/13 stating that the payment was due on the 15th BUT if I needed an extension I could pay the $239.40 and pay the $1395.98 on October 15, I would only be allowed one (1) extension and the loan had to be paid in full on 10/15. I agreed and they took $239.40 out of my checking account and I went on about my day.
Today, 09/27, I received a phone call from 714-485-9593 and a man with an Indian (India) accent by the name of Christopher Brown stated I was being sued by CashNetUSA for non payment of my PayDay Loan with Cash4u, I informed him that I had a Loan with MyCashNow and not Cash4u. He said that they were all one company and that my final payment of $1395.98 was due on 09/26 and I did not make the payment as I promised, I told him I never promised that, I promised to pay by them debiting my account on 10/15. I got very angry with him when he said that it was not the terms and that if I would pay $1200.00 today I could stop prosecution. I hung up the phone.
I then received a call from Joe Brown 1-800-522-5222 stating that I misunderstood Christopher Brown and that he was wrong in telling me I was being sued. I told Joe Brown the same thing they could take the money from my account on 10/15 as I had promised on 09/13. I hung up on him too when he got ugly with me saying the loan was due yesterday. I then received a call from 1911 from a man named Joe Brown again and he stated he was with the FBI, that Christopher Brown and the other Joe Brown were Senior partners and Attorneys and I was going to be prosecuted in the morning for internet Fraud and that the ICCD law stated the a background check into my profile showed I was a fraud and that I would not pay the money back. I asked for his FBI Badge number and he gave me MAR-80291 then when he repeated it he said MAR-80219.
I asked him for the number to the FBI in Washington DC, he said he was with the Ventura California branch of the FBI and I did not need to call Washington. I demanded the number and he gave me 310-853-3491, I hung up and called that number and it was to... You guessed it CashNetUSA! I was put through the the supervisor over security and a man by the name of Dexter Cruz came on the line, he stated that I was being prosecuted for hanging up on the Browns and that if i did not pay today I would be taken to jail and prosecuted for Internet Crimes and Fraud. I asked which was it, for hanging up on the Browns or for Internet Fraud. I got my attorney on the line and he told them to sue me and go ahead and prosecute.
I then received a call from Mac Johnson stating that I did not need to involve my attorneys that I misunderstood, that they were trying to save me $200.00 if I would pay before the end of the month, I said my attorney advised me not to do so. I then got a call with an ugly message left on my voice mail by Dexter Cruz stating that I had no respect for authority and that he would see too it that I went to jail for a long time for Internet Crimes and Fraud. Calls like that went on for 7 hours. Finally my attorney to me to call them back and pay now to save the $200.00 and then we would go after them. I called Dexter Cruz back but he had left for the day and Christopher Brown answered and paid him the $1200.00, so I could stop the phone calls and told him I was suing them and going to tell this story anywhere I could on the internet everywhere I could, he said not to do that they still wanted to keep me as a customer!!!
I then got a paid in full letter via email from Christopher Smith was was also Christopher Brown, Mac Johnson and Joe Brown... I am going to make it my mission to make sure that NO ONE ELSE deals with this company, I am going to report them for impersonating an FBI Agent (3) different ones, for mental anguish and for harassment, and when I told Dexter Cruz that, he said that they had explained it to me wrong they only work WITH the FBI... The moral of the story is no matter how desperate you are for cash, this PAYDAY Loan scam is just that a scam no matter what company you use, they are all tied together and they will make your life a living h*ll even if you are not behind on the payment.
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