Cash loan America – Feasible Collection and Advance Fee Loan Scams

Cash loan America – Feasible Collection and Advance Fee Loan Scams

Cash loan America – Feasible Collection and Advance Fee Loan Scams

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 Department of Financial Institutions (DFI) warns consumers to prevent provide any person that is nonpublic, such as for instance social safety quantity, charge card, or banking account information to your specific, internet site, or company without first verifying their identity and permit status. Customers can see whether a monetary solutions business or person is precisely certified to conduct company within the State of Washington utilizing the “Verify a License” function in the DFI’s website at Customers may also always check permit status aided by the Department of Licensing at

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

Many customers received calls and/or emails from individuals claiming to represent cash loan America, money America, and Advance America payday advances where in fact the callers offered loans in return for upfront charges. 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 declined to wire money towards the caller, the caller threatened action that is legal her. Some other customers compensated the fee that is upfront would not get the loan guaranteed. A minumum of one consumer additionally received a comparable loan offer via email.

Two customers reported getting 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 demands; nonetheless no loan had been supplied. In the 2nd instance, the customer had been told to get a Bing Enjoy present card from an area merchant so that you can show the buyer could repay the mortgage. The customer bought a gift that is amazon alternatively as soon as the customer suspected it may possibly be a fraud. The customer contacted the so-called agent who the buyer defined as Brian Jones. Whenever she told Mr. Jones she bought an alternative types of present card the customer claimed that Mr. Jones became really upset along with her.

A few customers had been contacted by individuals claiming that they certainly were collecting a financial obligation owed to advance loan America, Advance America, or Speedy money. One customer reported receiving multiple harassing phone calls. The caller reported that the buyer owed a financial obligation for the 2007 pay day loan but declined to supply any kind of factual statements about the debt. The customer stated that he failed to take out any payday advances in 2007. An additional instance, a customer received a text message demanding repayment. That customer stated that he never really had a loan.

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

In 2 other cases that are separate customers received a message that stated the “Semrad law practice” could be managing the collection in the event that customer would not spend money. One email reported that it was from “Kristen Johnson” in the “Accounting Department,” as well as the other stated “Nik 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 the civil action had been already filed and criminal action and wage garnishment will be forthcoming in the event that settlement quantity wasn’t compensated straight away.


  • Pacific Legal Group, Computer (san francisco bay area, CA)Pacific Legal Group, Computer has provided the after declaration to customers regarding their company tasks: “At the current time, Pacific Legal Group, PC does not have any customers in Washington State, but we do provide appropriate representation when you look at the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, PC will not make any telephone that is unsolicited to customers. All telephone calls made of our company likewise incorporate caller ID with your mail cell phone number: (415) 746-1470.”
  • Pacific Legal Group (Provo, UT)Pacific Legal Group has furnished the statement that is following customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California is certainly not connected with Pacific Legal Group, a subscribed d/b/a/ of Avery Burdsal and Fale, Computer with workplaces in Utah. Whilst the Huntington Beach company has utilized comparable title, logo design, and font as Pacific Legal Group within the previous, Pacific Legal top 10 payday loans online Group’s website referenced in every communication is 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 don’t typically do business collection agencies work.”
  • Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
  • 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 specific practices that indicate these are typically committing a fraudulence or otherwise breaking Washington State legislation. By way of example, such entities usually utilize non-business e-mail details (such as for example,, or other similar easily obtained email addresses) to deliver correspondence, threaten legal or unlawful action if consumers usually do not respond instantly, or have a variety of typographical and spelling mistakes within their communication to customers.

Nevertheless, on occasion, emails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal, such as for instance present or previous details, active telephone numbers, or social protection figures. The Department encourages customers whom get communications containing information that is personal to contact their banks, credit-reporting agencies, therefore the personal protection management to make certain there’s no unauthorized task to their reports.

Business Collection Agencies Laws

In the event that you received that loan from the loan provider or owed money to a company and somebody apart from the lending company or company is now trying to gather away from you, the collection task can be susceptible to the federal Fair Debt Collection methods Act (FDCPA). 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. The Federal Trade Commission at 1-877-FTC-HELP, or online at for those who have concerns regarding commercial collection agency regulations, contact.

If somebody threatens to garnish your wages, contact your manager, or makes use of threatening, daunting, or language that is offensive report such actions to mention and federal regulators. See below for how exactly to contact the correct state and federal regulator.

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