Cash loan America – Feasible Collection and Advance Fee Loan Scams

Cash loan America – Feasible Collection and Advance Fee Loan Scams

Also Conducting Business Like:

  • Advance America
  • Advance America Payday Advances
  • Money America
  • Advance loan of America
  • Cash Loan USA
  • Fast Money

Note: “Advance America” Should Not Be mistaken for 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 offer any person that is nonpublic, such as for example social protection number, bank card, or banking account information to virtually any specific, internet site, or business without first verifying their identity and permit status. Customers can see whether a services that are financial or person is properly certified to conduct business within the State of Washington utilizing the “Verify a License” function from the DFI’s internet site. Customers also can check always license status using the Department of Licensing.

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

Many customers received telephone calls and/or emails from individuals claiming to represent advance loan America, money America, and Advance America pay day loans where in actuality the callers offered loans in return for upfront costs. The callers insisted that they were calling to discuss the consumers’ online payday loan applications although several consumers never applied for a payday loan. One customer stated that, whenever she refused to wire cash to your caller, the caller threatened appropriate action against her. Various other customers compensated the fee that is upfront didn’t have the loan guaranteed. A minumum of one customer additionally received a loan that is similar via email.

Two customers reported finding a call from a person claiming to represent advance loan America. The consumer was told they would receive a deposit and was instructed to purchase iTunes gift cards and send them to the caller in one case. The buyer complied with all the caller’s requests; nonetheless no loan ended up being provided. 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 if the customer suspected it could be a fraud. The buyer contacted the so-called agent who the buyer recognized as Brian Jones. When she told Mr. Jones she purchased an alternative style of present card the buyer reported that Mr. Jones became really upset along with her.

A few consumers were 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 multiple harassing phone calls. The caller claimed that the buyer owed a debt payday loan but declined to deliver virtually any information regarding your debt. The customer stated that he would not remove any pay day loans. An additional instance, a customer received a text demanding payment. That customer stated that he never ever had a loan.

Two consumers reported receiving e-mails from individuals claiming to represent cash loan USA. The email messages suggested that the customers owed for a so-called debt and necessary to spend straight away in order to avoid further action. Both customers reported never ever getting that loan with cash loan USA.

In 2 other cases that are separate customers received a message that reported the “Semrad law practice” will be managing the collection in the event that customer would not spend money. One email reported it was from “Kristen Johnson” when you look at the “Accounting Department,” and also the other“Nik that is stated Ramon in the “Settlement Department.”

In another instance, a customer received a letter that reported “Pacific Legal Group” will be managing the collection in the event that customer failed to spend money. The letter threatened that a civil action had been already filed and unlawful action and wage garnishment will be forthcoming in the event that settlement amount had not been compensated straight away.


  • Pacific Legal Group, Computer (bay area, CA)Pacific Legal Group, PC has provided the after declaration to customers regarding their company tasks: “At the present time, Pacific Legal Group, PC does not have any clients in Washington State, but we do provide appropriate representation into the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, Computer 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.”
  • Pacifica Law Group (Seattle, WA)
  • Pacific Legal Group (Bangkok, Thailand)

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often take part in particular practices that indicate these are generally committing a fraudulence or otherwise breaking Washington State legislation. For example, such entities frequently utilize non-business e-mail details (such as for instance or any other similar easily obtained email addresses) to send communication, threaten legal or action that is criminal customers try not to respond instantly, or have a variety of typographical and spelling mistakes inside their correspondence to customers.

However, on occasion, emails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal such as for example current or past addresses, active telephone numbers, or social safety figures. The Department encourages customers who get communications containing private information to contact their banking institutions, credit-reporting agencies, as well as the personal protection management to make sure there isn’t any unauthorized activity 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. You should request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA if you receive a communication from a party claiming that a debt is owed. When you yourself have questions regarding business collection agencies legislation, contact the Federal Trade Commission.

If somebody threatens to garnish your wages, speak to your company, or makes use of threatening, daunting, or unpleasant language, report such actions to mention and federal regulators. See below for how exactly to contact the right state and federal regulator.

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