Advance America Cash Advance Centers [AARC] review: email scam 13

I received an email from Frank Hamilton (frank.hamilton20@gmail.com CC: markatcashadvancebackend@gmail.com with personal information (my social security number) included in the email as follows:

CASE FILE #: ACS-20176/TC41/9522

Total Outstanding Amount: $4973.75 (Including Late Fees, Penalties, Loan amount, Interest Rate)

Settlement amount : $1986

CREDITOR - CASH ADVANCE AMERICA LOANS.

Dear Tracy G******o *********,

This is in reference to your Case File ACS-20176/TC41/9522 with CASH ADVANCE AMERICA LOANS in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 (Internet Crime Complaint Centre) has decided to mark this case as a flat refusal and press charges against you.

This is regarding your case and charges which are going to pressed under your name are:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

I regret to advise that unless payment is received before the end of this week this invoice will be passed over to our debt collection agency/lawyer. This could seriously affect your credit rating so I urge you contact us immediately to make payment or arrange an alternative before this date.

We will be forced to proceed legally against you and once it proceeds the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $26220 and will be totally levied upon you and that would be excluding your attorney charges, pending balance and bail charges . If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future .

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step.

You will receive the document from the court house once the case will be downloaded. We have tried several times to work with you but as we are not getting the same cooperation from you so unfortunately, we have to proceed further with legal actions against your name and SSN in order to dispute this matter into the court house as you have failed to make the payment.

We have the affidavit which states that you were monitored online using your email address in order to silicate funds from the website which is own and operated by the parent company.

For settlement, payment arrangement or any other queries feel free to contact us.

Cashadvanceamericaloans.usa@gmail.com

Thank You,

Mark Troche,

Wilford Law Group.

So, I replied in the following manner:
I will be contacting the Fedral Trade Comission http://www.ftc.gov/ and The Consumer Financial Protection Bureau to report this e-mail commiunication as a fraudulent attempt to scam and solicit funds from an unsuspecting victim unless you provide a “written validation notice, ” which must include the amount of the debt, the name of the creditor you assume I owe, and my rights under the FDCPA (Fair Dept Collection Practices Act).

I have been advised that unlicensed entities often engage in certain practices that indicate they are committing a fraud or otherwise violating the law. For instance, such entities often use non-business email addresses (such as @gmail.com, @yahoo.com, or other similar easily obtained email addresses) to send correspondence, threaten legal or criminal action if consumers do not reply immediately, or contain a variety of typographical and spelling errors in their correspondence to consumers such as your poorly worded email. If I do not receive a reply with a legitimate document enclosing the above requested information, I will be contacting my lawyer to press charges against you for unfair debt collection practices as outlined under federal law by the Fair Debt Collections Practices Act.

I received almost the same exact email
Dear sir/madam
This is the last and final chance for Christie

These Legal Proceedings issued on your Docket Number DNR 18189 with one of Cash Advance Inc. A company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you

CASE NO MA/[protected]

Outstanding Debt 783.67 Dollars

Creditors Cash USA which is a parent company of more than 400 cash websites and internet web portals in the USA and operates under different names in different states apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job

You are going to be legally prosecuted within a couple of days in the Court House and Internal Revenue Service will put your social security number on hold causing severe damage to your credit history or credit report and your income pay checks will be put on hold any child support or disability or unemployment or retirement benefits will be either placed on hold or will be stopped until you will pay the outstanding amount of 783.67 Dollars back to us

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won't be able to help you out of court our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court

We have sent you this warning notification about legal proceedings of March 8, 2015, but you failed to respond on time now it’s high time if you failed to respond in next 4 Hours we will register this case in Court consider this as a final warning and we will be Emailing/ Fax this issue to your current employer to make sure they take strict with you and your salary wages will be garnished.

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you and we are also informing you that this notification will also be sent to your current employer the opportunity to take care of this voluntary is quickly coming to an end and you can lose the option of resolving this before it goes to the next step which is a Lawsuit against so you must take immediate action

Let us informed you that we have more than 17 kinds of technical proof against you to prove that you are guilty and committed the following frauds

United Legal Investigation Bureau has stated Four Serious Allegations against you which are given below
Violation of Federal Banking Regulation

Collateral Check Fraud

Theft by Deception

Electronic Fund Transfer Fraud

You can contact us at our Email address to get the payment mode too

We have all the Rights Reserved with our Department to Inform to your Local Sheriff Department and to your Employer place about this Case File We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to 4300.00 Dollars and will be totally levied upon you and that would be excluding your attorney charges If you take care of this out of court then you have to pay only 783.67 Dollars and we will release the clearance certificate and the OOCR documents from the Court House and we will make sure that no one will contact you in future

We believe that this was not your intent and these steps are unnecessary we merely require you to contact our recovery asset location department contact us on our Email address
customerhelpdesk.cashnet@gmail .com

Let us know what your intention is by today itself so we can hold the case outside of Court or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep
We may report this information of your Account to Credit Bureaus as this Case is Under Investigation with Major Credit Bureaus
Terms and Conditions you agreed
when you have electronically signed the Loan Agreement by clicking the I Agree on button you have confirmed that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records
To make the payment you would have to contact our email address
customerhelpdesk.cashnet@gmail .com

Bureau of Defaulters Agency Debt Collection Management
We are informing you that if we will not receive your payment then, unfortunately, we have to proceed further with the legal action against your name
If you ignore this email and failed to take care of this debt than all of your bank accounts will be seized through Major Credited Bureau within Seven Business Days that's why your co-operation will be appreciated

Officer Peter Scott
[protected]
Financial Crime Enforcement Department
P.O BOX 944225
Sacramento, CA [protected]

Reply Reply to All Forward More

I received this in my morning email 27jun2018)
Looks identical to at least one of the above.
*

Notice with immediate effect
Outstanding amount: $1450.61

Loan a/c no: #ms6/72b/35s-13

(outstanding amount : $1450.61)

Attention:

This is tammy harrison from credit control department. this is the last
And final chance for you.

In order to notify you that after making calls to you on your phone number
We were not able to get a hold of you. so the accounts department has
Decided to mark this case as a flat refusal and press legal charges
Against you.

Case file no: [protected]

Amount outstanding: $1450.61

This legal proceedings issued on your docket number rvs-[protected] with one
Of cash advance inc.

Warrant id :- #[protected] which will be going to release on friday noon 2 p.m.

We may report information about your account to credit bureaus. late
Payments, missed payments, or other defaults on your account may be
Reflected in your credit report.

Terms & conditions, you agreed.

We have sent you this warning notification about legal proceedings in may
2016. but you failed to respond on time. now, it’s high time and if you
Fail to respond then we will register this case in court. consider this as
A final warning. and we will be emailing/ fax this issue to your current
Employer to make sure they take strict actions against you. your salary,
Wages will be garnished.

Do revert back if you want to get rid of these legal consequences and make
A payment arrangement today or else we would be proceeding legally against
You. and our apologies that this notification will also sent to your
Current employer. the opportunity to take care of this voluntary is
Quickly coming to an end. we would hate for you to lose the option of
Resolving this before it goes to the next step which is a lawsuit against
You, but to do so you must take immediate action.

You can email back to get the payment mode too.

We will be forced to proceed legally against you and once it is processed
The creditor has entire rights to inform your employer and your references
Regarding this issue and the lawsuit will be the next step which will be
Amounting to $4500.00 and will be totally levied upon you and that would
Be excluding your attorney charges. if you take care of this out of court
Then we will release the clearance certificate from the court and we will
Make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold
The case or else we will submit the paperwork to your local county sheriff
Department and you will be served with a court summons at your door step.

Note : this notice is provided to you on behalf of cash advance inc. and
Its parent company, and their respective family of companies including
Cash advance, its parent company,

Cash america international, inc., and all of their respective subsidiaries
And affiliates, (hereafter collectively referred to as the “cash advance
Related companies, ” “we, ” “our, ” or “us”). the cash advance related
Companies include, but are not limited to: cash advance, cash america
International, inc., and all of their respective subsidiaries and
Affiliates, including those that operate under the trade names cash
Advance, 100 day loan, net loan usa, fax free cash, payday one, sonic
Cash, money tree, egg loans, check cash loan, quick payday, personal cash
Advance, rapid cash, sonic payday, speedy cash, my cash now, national
Payday, paycheck today, payday ok, cash central loans, cash net 500, cash
Net usa, allied cash, super pawn, check into cash, check smart, ez money
Cash america net, cash america, cash america pawn, cash land, super pawn,
Cash america payday advance, or any company-owned mr. payroll locations.
“you” or “your” means you as a participant in or as a user of the products
And/or services offered by a cash advance related company.

By electronically signing this loan agreement by clicking the "I agree"
Button below, you are confirming that you have agreed to the terms and
Conditions of the consent and that you have downloaded or printed a copy
Of this consent for your records.

(collection team)

3017 douglas blvd roseville ca 95661 united states

I received a similar one as well. Case [protected]/N.

I got an email too. Just like the ones above. Only problem is that I have NEVER used Cash Advance. What is really sad is that people actually fall for it.

I received an email today too. I have 2 outstanding loans but not with cash advance inc. I know who I borrow money from and try to pay them back but never never never with this company... so sad how they try to intimidate people to fall for this do not give them any information... scam scam scam sacm

I Just Got this one saying that i owe $1086.78 and if i don't pay than it will go up to $6, 300

I received one today from Martin White,

LEGAL NOTICE:

Docket AC-356248 with one of Cash Advance, Inc. Company, Case No.: [protected]/N Balance Amount $890.64. At the bottom it indicated if I want to resolve Case outside of Court then contact Restitution Department: linda.debtcollector@gmail.com

Sincerely,
Settlement Department
Cash Advance Inc.
Houston, TX. (no zip)
Copyright (c) 2018 Gibson Law Firm/Privacy/Terms of use

I got this from attorney.danialwatson0@gmail.com Letter in Advance of Legal Proceedings Department of Debt Collection and Bank Fraud
Dear,

We regret to inform you that due to your unpaid debt amount of $3896.47 (full debt amount, additional charges and interest cost) to Advance Cash Services, from today June 19, 2019 we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense.

Three allegations are been charged as under:

1) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation Letter in Advance of Legal Proceedings (6/19/2019)

2) Under Section 37 U.S.C 2342 Collateral Cheque Fraud

3) Under Section 42 U.S.C 5619 Theft By Deception

Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.

NOTE: IF YOU IGNORE THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

If you wish to settle the outstanding amount, please do not hesitate to contact us back immediately.

Thank you for your prompt attention to this matter.

Sincerely,

Rachel Watson

Here is an email I received today from someone claiming I owe a on a previous payday loan.

Complaint Case File No. D80-5002786
Total Outstanding Amount: $980.45 USD
Date- July 9th, 2019
Case File Transferred to ACE:- July, 2019

Subject: Notice of Legal Proceedings against fraud activity.

This is in reference to your Account number [protected] with Cash Advance Inc. in order to notify you that after making calls to you on your phone number, we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement within the next 24 hours or else we would be proceeding legally against you.

Yours sincerely,
Elizabeth Williams
Sr. Investigation Officer.
Collections & Legal Department

© 2019 ACE CASH EXPRESS SUPPORT

3/27/2020 I received a similar email about a final demand for payment in reference to Cash Adavanced Inc. I obviously never did business with such a company. These scams infuriate me as I have little to no credit debt and do not need cash loans. The email said it was from Stephan Lockman Law Firm. I would like to file a complaint but I am not sure where to start. This name is a real attorney, I am wondering if I should contact him and let him know his name is being used for a scam?

For kicks I have told them they come to my house unannounced they will get shot in the head and loose a leg or two. I dont take threats or harrasment very kindly even if its a fake. My life is currently in danager so I will take action if need. I just like to play with them back and in case they stop time to time. Once I say I shoot you in the head and cut your legs off. The just stop, but then they go back at it again. I can do this all day. But now I have wrote a virus to crash their hard drive when they email me.

I got this on May 24th 2023, I got a hold of my bank right away and got new card sent to me just to be safe.

Payment Dues:-$755.00

Case Format- Fair Debt Collection Act 811 (FC/SC)

Case file received from Major Credit Bureau, WA

Amount to be paid to-Advance Cash Services (Parent company of all payday loan collection agency)

Dear Debtor,

This is to notify you and requires your immediate attention.

We have received this case file from the Major Credit Bureau regarding Payday Loan. There is a pending loan amount showing in your name and ssn. The initial loan amount which you took it goes up to $755.00 (Due to late fine fees and rate of interest).

This is Advance Cash Services which is the parent company of all payday loan collection agencies. We are trying to close your account before the matter goes to court house.

After giving you several notifications we didn't receive any response from your side. We will consider that you are ignoring this matter and you want to dispute this case file. We are in a process to inform the Social Security Administration & major Credit Bureaus as well

This is your last and final chance to settle this account. If you failed to settle this account within 15 days we will proceed to court house, Which carries a maximum sentence of 3 years of prison and a fine up to $5825.36.You Can Apply For An Out Of Court Resolve Option (OOCR): All you do is email us back for taking care of this matter outside the courthouse.

Kindly make payment asap so that we will close your account and we will send you a full and final receipt stating as you are no more debtor of the company.

As per our accounts department we can give you a one time settlement amount for $750.00 to be paid today and we will close your account with that amount.

You can reach us by email Monday to Friday 9AM to 5PM or to this email to close this account.

Note:- When you reach us, ask for Felipe Rivera.

Thank you

Regards

Shawn Edward

Investigation Officer of

Advance Cash Services