Cash loan America – Feasible Collection and Advance Fee Loan Scams

Cash 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

Also Conducting Business Like:

  • Advance America
  • Advance America Pay Day Loans
  • Money America
  • Advance loan of America
  • Advance 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 Department of Financial Institutions (DFI) warns customers never to provide any nonpublic individual information, such as for example social protection number, bank card, or banking account information to your specific, website, or company without first verifying their identity and permit status. Customers can see whether a economic solutions business or person is precisely certified to conduct company when you look at the State of Washington utilizing the “Verify a License” function from the DFI’s website at www. Dfi. Htm. Consumers may also check always permit status because of the Department of Licensing at www. Dol.

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

Many customers received telephone calls and/or emails from individuals claiming to represent cash loan America, Cash America, and Advance America payday advances in which 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 towards the caller, the caller threatened action that is legal her. Various other customers compensated the fee that is upfront would not have the loan guaranteed. One or more customer also received a loan that is similar via e-mail.

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 consumer complied with all the caller’s requests; nonetheless no loan ended up being 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 buyer purchased a gift that is amazon alternatively if the customer suspected it may possibly be a fraud. The buyer contacted the alleged representative who the buyer recognized as Brian Jones. Whenever she told Mr. Jones she bought yet another form of present card the buyer reported that Mr. Jones became extremely upset along with her.

A few customers had been contacted by individuals claiming that a debt was being collected by them owed to advance loan America, Advance America, or Speedy money. One customer reported receiving harassing that is multiple calls. The caller reported that the customer owed a financial obligation for a 2007 cash advance but refused to present virtually any facts about your debt. The buyer stated that he would not remove any loans that are payday 2007. An additional case, a customer received a text demanding repayment. That customer stated that he never really had that loan.

Two customers reported getting e-mails from people claiming to represent advance loan USA. The email messages suggested that the customers owed on a so-called financial obligation and needed seriously to spend straight away in order to prevent further action. Both customers reported never ever acquiring financing with advance loan United States Of America.

In 2 other cases that are separate consumers received a message that stated the “Semrad law practice” will be managing the collection in the event that consumer would not spend money. One e-mail claimed it was from “Kristen Johnson” in the “Accounting Department, ” while 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 civil action had been filed and unlawful action and wage garnishment could 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 statement that is following customers regarding their company tasks: “At the present time, Pacific Legal Group, PC does not have any customers in Washington State, but we do provide appropriate representation into the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, PC will not make any unsolicited calls 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 provided the following declaration to customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California is NOT connected with Pacific Legal Group, a subscribed d/b/a/ of Avery Burdsal and Fale, Computer with workplaces in Utah. Even though the Huntington Beach company has utilized name that is similar logo design, and font as Pacific Legal Group in past times, Pacific Legal Group’s website referenced in every communication is www. Further, all interaction from Pacific Legal Group will reference the Utah also telephone number (801) 788-4122, therefore the workplaces in Utah. Also, we try not to typically do business collection agencies work. ”
  • Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
  • Pacifica Law Group (Seattle, WA)
  • Pacific Legal Group (Bangkok, Thailand)

These apparent frauds are linked to the after email address: adam. nick. cash. Advance. www.

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often practice specific practices that indicate they’ve been committing a fraudulence or Washington State that is otherwise violating legislation. As an example, such entities usually utilize non-business e-mail details (such as for example,, or any other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or action that is criminal customers try not to reply instantly, or contain a variety of typographical and spelling mistakes inside their correspondence to customers.

Nevertheless, from time to time, emails or letters from unlicensed entities participating in fraudulent activity will include accurate information that is personal such as for instance current or previous details, active cell phone numbers, or social safety figures. The Department encourages customers whom receive communications containing private information to contact their banking institutions, credit-reporting agencies, additionally the personal protection management to make certain there is absolutely no unauthorized task to their reports.

Debt Collection 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 a celebration claiming that a financial obligation is owed, you need to request a “written validation notice, ” which must range from the number of your debt, the title for the creditor your debt, as well as your liberties underneath the FDCPA. The Federal Trade Commission at 1-877-FTC-HELP, or online at www. for those who have questions regarding business collection agencies legislation, contact.

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