Advance loan America – Feasible Collection and Advance Fee Loan Scams

Advance loan America – Feasible Collection and Advance Fee Loan Scams

Advance loan America – Feasible Collection and Advance Fee Loan Scams

Alert quantity: CA050055_03/27/2019(3/20) Updated: April 02, 2019 Originally posted: October 26, 2012

Additionally Conducting Business Like:

  • Advance America
  • Advance America Pay Day Loans
  • Money America
  • Cash loan of America
  • Advance Loan USA
  • Fast Money

Note: “Advance America” Should Not Be Confused with Advance America, money Advance Centers of Washington, LLC, which will be an authorized Lender In Washington

The Washington state dept. Of Financial Institutions (DFI) warns customers to never ever provide any person that is nonpublic, such as for instance social protection quantity, charge card, or banking account information to your specific, website, or business without first verifying their identity and permit status. Customers can see whether a monetary services business or person is correctly certified to conduct company when you look at the State of Washington using the “Verify a License” function from the DFI’s website at www. Dfi. Htm. Customers also can check always permit status utilizing the Department of Licensing at www. Dol.

DFI has gotten reports of obvious frauds carried out by people claiming to express Advance America, money America, cash loan America, cash loan United States Of America, Speedy money, and Advance America pay day loans.

Many customers received telephone calls and/or emails from individuals claiming to represent advance loan America, money America, and Advance America payday advances where in fact the callers offered loans in exchange for upfront costs. Although several customers never sent applications for an online payday loan, the callers insisted which they had been calling to go over the customers’ online payday loan applications. One customer stated that, whenever she declined to wire cash to your caller, the caller threatened appropriate action against her. Various other customers compensated the fee that is upfront failed to receive the loan guaranteed. A minumum of one customer additionally received a comparable loan offer via email.

Two customers reported finding a call from a person claiming to represent cash loan America. Within one situation, the buyer was told they’d be given a deposit and had been instructed to shop for iTunes present cards and deliver them to your caller. The buyer complied with all the caller’s demands; nevertheless no loan had been supplied. The consumer was told to purchase a Google Play gift card from a local retailer in order to prove the consumer could repay the loan in the second case. The customer bought a gift that is amazon alternatively as soon as the customer suspected it could be a scam. The buyer contacted the representative that is alleged the buyer recognized as Brian Jones. She purchased a different type of gift card the consumer stated that Mr. Jones became very upset with her when she told Mr. Jones.

A few customers had been contacted by individuals claiming that a debt was being collected by them owed to cash loan America, Advance America, or Speedy money. One customer reported receiving harassing that is multiple calls. The caller reported that the buyer owed a financial obligation for the 2007 pay day loan but refused to present any kind of factual statements about your debt. The buyer stated that he would not sign up for any loans that are payday 2007. A consumer received a text message demanding payment in another case. That customer stated that he never really had that loan.

Two customers reported getting email messages from people claiming to represent advance loan United States Of America. The emails suggested that the customers owed on a so-called financial obligation and had a need to spend instantly in order to prevent action that is further. Both customers reported never ever acquiring that loan with cash loan United States Of America.

In two other split situations, customers received a message that stated the “Semrad law practice” will be handling the collection in the event that customer would not spend money. One e-mail reported it was from “Kristen Johnson” in the “Accounting Department, ” and also the other“Nik that is stated Ramon in the “Settlement Department. ”

A consumer received a letter that claimed “Pacific Legal Group” would be handling the collection if the consumer did not pay a settlement in another case. The page threatened that a action that is civil recently been filed and unlawful action and wage garnishment will be forthcoming in the event that settlement quantity had not been compensated instantly.


  • Pacific Legal Group, Computer (bay area, CA)Pacific Legal Group, Computer has furnished the statement that is following customers regarding their company tasks: “At the current time, Pacific Legal Group, PC doesn’t have clients in Washington State, but we do provide appropriate representation into the Ninth Circuit Court of Appeals to Washington State residents. Pacific Legal Group, PC will not make any unsolicited phone calls to customers. All telephone calls produced from our company likewise incorporate caller ID with your mail phone number: (415) 746-1470. ”
  • Pacific Legal Group (Provo, UT)Pacific Legal Group has provided the statement that is following customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California isn’t connected with Pacific Legal Group, a authorized d/b/a/ of Avery Burdsal and Fale, Computer with offices in Utah. Even though the Huntington Beach company has utilized name that is similar logo, and font as Pacific Legal Group in past times, Pacific Legal Group’s web address referenced in every interaction is www. Pac-legal. Further, all interaction from Pacific Legal Group will reference the Utah also contact number (801) 788-4122, and also the workplaces in Utah. Furthermore, we usually do not typically do commercial collection agency work. ”
  • Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
  • Pacifica Law Group (Seattle, WA)
  • Pacific Legal Group (Bangkok, Thailand)

These obvious frauds are from the contact information that is following

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often participate in particular practices that indicate they’ve been committing a fraudulence or otherwise breaking Washington State law. By way of example, such entities usually utilize non-business e-mail details (such as for instance -@gmail, @yahoo, or any other comparable easily obtained e-mail addresses) to send communication, threaten legal or action that is criminal customers usually do not reply instantly, or contain many different typographical and spelling mistakes within their communication to customers.

But, from time to time, emails or letters from unlicensed entities doing fraudulent task will include accurate information that is personal such as for example present or previous details, active cell phone numbers, or social safety figures. The Department encourages consumers whom get communications containing personal information to contact their banks, credit-reporting agencies, additionally the personal protection Administration to make certain there isn’t any unauthorized task on the records.

Business Collection Agencies Laws

From you, the collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA) if you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect. In the event that you be given a interaction from an event claiming that the debt is owed, you need to request a “written validation notice, ” which must are the quantity of your debt, the title of this creditor you borrowed from, along with your legal rights beneath the FDCPA. The Federal Trade Commission at 1-877-FTC-HELP, or online at www. when you yourself have concerns regarding commercial collection agency regulations, contact.

If some body threatens to garnish your wages, speak to your employer, or makes use of threatening, intimidating, or unpleasant language, report such actions to convey and federal regulators. See below for just how to contact the correct state and federal regulator.

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