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 mistaken for Advance America, money Advance Centers of Washington, LLC, that is an authorized Lender In Washington

The Washington state dept. of Financial Institutions (DFI) warns customers never to provide any person that is nonpublic, such as for instance social protection quantity, charge card, or banking account information to virtually any specific, internet site, or company without first verifying their identity and permit status. Customers can see whether a services that are financial or person is paydayloan correctly certified to conduct company into the State of Washington utilizing the “Verify a License” function in the DFI’s website at Customers also can check always license status with all the Department of Licensing at

DFI has gotten reports of obvious frauds conducted 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 consumers received telephone calls and/or emails from individuals claiming to represent cash loan America, money America, and Advance America payday advances where in actuality the callers offered loans in return for upfront costs. Although a few customers never sent applications for a pay day loan, the callers insisted which they had been calling to talk about the consumers’ pay day loan applications. One customer stated that, whenever she declined to wire cash into the caller, the caller threatened appropriate action against her. Some other customers compensated the fee that is upfront failed to get the loan guaranteed. A minumum of one customer additionally received a loan that is similar via email.

Two customers reported getting a call from an individual claiming to represent advance loan America. In a single instance, the customer had been told they might get a deposit and had been instructed to get iTunes gift cards and send them to your caller. The buyer complied with all the caller’s needs; nevertheless no loan was 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 purchased A amazon present card alternatively as soon as the customer suspected it could be a fraud. The customer contacted the so-called agent who the consumer defined 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 Cash. One customer reported receiving harassing that is multiple calls. The caller reported that the customer owed a financial obligation for a 2007 pay day loan but declined to present every other information about your debt. The customer stated that he didn’t sign up for any payday advances in 2007. A consumer received a text message demanding payment in another case. That customer stated that he never ever had a loan.

Two customers reported emails that are receiving individuals claiming to represent cash loan United States Of America. The e-mails suggested that the customers owed for a so-called financial obligation and needed seriously to spend straight away in order to avoid further action. Both customers reported never ever getting that loan with advance loan United States Of America.

In 2 other cases that are separate customers received a contact that stated the “Semrad law practice” will be managing the collection in the event that customer didn’t spend money. One e-mail reported it was from “Kristen Johnson” in the “Accounting Department,” as well as the other reported “Nik Ramon” in the “Settlement Department.”

An additional case, a customer received a page that reported “Pacific Legal Group” could be managing the collection in the event that customer would not spend money. The page threatened that a civil action had recently been filed and unlawful action and wage garnishment could be forthcoming in the event that settlement quantity had not been compensated instantly.


  • 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 doesn’t have 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 made of our company likewise incorporate caller ID with this 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 just isn’t 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, and font as Pacific Legal Group in past times, Pacific Legal Group’s website referenced in every communication is Further, all interaction from Pacific Legal Group will additionally reference the Utah telephone number (801) 788-4122, and also 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)

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often take part in particular practices that indicate they have been committing a fraudulence or otherwise breaking Washington State law. By way of example, such entities usually utilize non-business e-mail addresses (such as for example,, or other similar easily obtained e-mail addresses) to deliver communication, threaten legal or action that is criminal consumers try not to respond straight away, or have many different typographical and spelling mistakes within their communication to customers.

Nonetheless, often times, emails or letters from unlicensed entities participating in fraudulent task will include accurate information that is personal, such as for example present or previous details, active telephone numbers, or social protection numbers. The Department encourages customers whom get communications containing information that is personal contact their banking institutions, credit-reporting agencies, as well as the personal protection management to make sure there is absolutely no unauthorized task to their reports.

Commercial Collection Agency Laws

In the event that you received financing from the loan provider or owed money to a small business and some body aside from the financial institution or company is now trying to gather away from you, the collection task could be at the mercy of the federal Fair Debt Collection techniques Act (FDCPA). In the event that you be given a interaction from a celebration claiming that the financial obligation is owed, you really need to request a “written validation notice,” which must range from the quantity of your debt, the title regarding the creditor you borrowed from, as well as your legal rights underneath the FDCPA. The Federal Trade Commission at 1-877-FTC-HELP, or online at when you have concerns regarding business collection agencies legislation, contact.

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

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