Advance loan America – Possible Collection and Advance Fee Loan Scams

Advance loan America – Possible Collection and Advance Fee Loan Scams

Alert quantity: CA050055_03/27/2019(3/20) Updated: 02, 2019 Originally posted: October 26, 2012 april

Additionally Working Like:

  • Advance America
  • Advance America Payday Advances
  • Money America
  • Advance loan of America
  • Advance Loan USA
  • Speedy Money

Note: “Advance America” Should Not Be mistaken for Advance America, money Advance Centers of Washington, LLC, which can be an authorized Lender In Washington

The Washington state dept. Of Financial Institutions (DFI) warns customers to prevent offer any person that is nonpublic, such as for example social security quantity, bank card, or bank-account information to virtually any specific, internet site, or business without first verifying their identity and permit status. Customers can see whether a economic solutions business or individual is precisely licensed to conduct business when you look at the State of Washington using the “Verify a License” function on the DFI’s website at www. Dfi. Htm. Customers also can always check permit status using the Department of Licensing at www. Dol.

DFI has gotten reports of obvious frauds carried out by people claiming to express Advance America, money America, cash loan America, cash loan USA, Speedy money, and Advance America pay day loans.

Many customers received telephone calls and/or emails from individuals claiming to represent advance loan America, money America, and Advance America pay day loans in which 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 go over the customers’ online payday loan applications. One customer stated that, when she declined to wire cash towards the caller, the caller threatened appropriate action against her. Various other customers compensated the upfront cost but failed to get the loan guaranteed. A minumum of one customer additionally received a comparable loan offer via email.

Two customers reported finding a call from a person claiming to represent advance loan America. In one single situation, the customer had been told they might get a deposit and had been instructed to acquire iTunes present cards and deliver them to your caller. The buyer complied with all the caller’s needs; nonetheless no loan had been 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 bought A amazon present card alternatively if the consumer suspected it might be a scam. The customer contacted the so-called agent who the customer recognized as Brian Jones. Whenever she told Mr. Jones she bought an alternative kind 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 gathering a financial obligation owed to cash loan America, Advance America, or Speedy money. One consumer reported receiving multiple harassing phone calls. The caller advertised that the buyer owed a financial obligation for the 2007 pay day loan but declined to present just about any factual statements about the debt. The buyer stated that he would not remove any loans that are payday 2007. An additional instance, a customer received a text demanding repayment. That customer stated that he never ever had that loan.

Two customers reported emails that are receiving people claiming to represent cash loan United States Of America. The email messages suggested that the customers owed for a so-called financial obligation and had a need to spend instantly to prevent action that is further. Both customers reported never ever getting a 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 consumer would not spend funds. One e-mail claimed it was from “Kristen Johnson” in the “Accounting Department, ” and also the other reported “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 action that is civil been already filed and unlawful action and wage garnishment will be forthcoming in the event that settlement quantity had not been compensated straight away.


  • Pacific Legal Group, Computer (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 doesn’t have 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 produced from our firm likewise incorporate caller ID with this mail cell phone number: (415) 746-1470. ”
  • Pacific Legal Group (Provo, UT)Pacific Legal Group has provided the statement that is following customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California isn’t related to 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 Group’s web address referenced in every interaction is www. Pac-legal. Further, all interaction from Pacific Legal Group will reference the Utah also contact number (801) 788-4122, as well as the offices in Utah. Furthermore, 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 from the contact information that is following

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often practice specific practices that indicate these are typically committing a fraud or otherwise breaking Washington State law. For example, such entities frequently utilize non-business e-mail details (such as for instance -@gmail, @yahoo, or any other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or unlawful action if customers usually do not respond straight away, or have many different typographical and spelling mistakes inside their communication to customers.

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

Commercial Collection Agency 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. The Federal Trade Commission at 1-877-FTC-HELP, or online at www. for those who have concerns regarding commercial collection agency 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 mention and federal regulators. See below for just how to contact the right state and regulator that is federal.