An Online Payday Loan Or Window To A Scam?

Strapped for cash? You might think an online payday loan is a quick and easy way to help stretch your money. But before you enter your bank account or any other personal information on a payday loan website, back away from the keyboard! That online payday loan might be a window to a scam.

A federal court has granted the FTC an order for contempt in the matter of Suntasia Marketing, Inc., a company previously involved in a telemarketing scheme that bilked consumers out of millions of dollars. This time around, the scammers took advantage of people looking for online payday loans by tricking them into completing an online application. The catch? The website and application were a pretense – an attempt to get people’s bank account information. Once the company had their account numbers, they enrolled unaware consumers in an ongoing membership program for an online mall. But because the terms of the program were obscure and buried deep in the website, there was no way for the consumers to know. And the company took their silence and failure to cancel as acceptance and permission to regularly debit money from their accounts on a regular basis. 

So how can you avoid a scam like this one? It can be tough. But knowing how some scam operators work can make you think twice about the sites you visit and what you do when you get there.  

  • Keep a close hold on your personal information. Whether your visit to an online payday loan site results in a loan, simply entering information on the site may come back to haunt you. Even if you never hit "Submit" to complete the transaction, your information can be captured through keystroke logging – a program used to see and store everything you enter on application. Scammers can use this information to commit identity theft, or debit money from your accounts.
  • Read the fine print. If the details of any online transaction, application or membership program aren’t apparent and understandable, don’t follow through. Incomprehensible or hard to find details could be warning signs of a scam.
  • Review your bank account and billing statements for unauthorized charges. Regularly reading all your account statements can help you see where your money is going, and help you flag unauthorized billing charges. If you suspect an unauthorized charge, ask your bank or the merchant about it, and dispute it.

If you suspect a scam, file a complaint with the FTC. For more information, check out our Payday Loans and Online Payday Loans article.

 

Comments

they had had me going a year thinking I was going to be garnished from work pay, finally took out of my debit card with out authorization..call card company and disputed it # they call from..707-637-0905...209-207-7416...800-228-1188...319-731-0157..i really thought I forgot to pay something..took 260.00 one time and just today 275.00 which I did not authorize either...

They change their phone numbers constantly and if you ask them where they are located they will say different places in the U.S but they are located in India. Change your bank account and check your credit reports too.

They been calling my mom my sister telling them if I don't pay 500$ they taking me to court for checks fraud harassing me all day

They been calling my mom my sister telling them if I don't pay 500$ they taking me to court for checks fraud harassing me all day

225-331-3020 <--This phone number has continually called me at home, work, and my cell phone! Recently he left me a message threatening me stating that if he does not hear from either me our my attorney I will not like the hell that will be ensued on me and my family! After googling the number online I found out that I am not the only one and he uses a different name every time... Please someone stop this man and put him and/or his company in jail!!

These people are from India pulling the same scheme on tons and tons of people. People have gotten fired from their jobs due to them calling them constantly. They don't only change their names they also change their numbers quite often too. I am doing my research to catch these scumbags because jail is where they belong!!!!

I don't understand how these places were allowed to begin with unless the Government got a kick back off the 400% profit. They are just modern day loan sharks. /if you're in a pinch, take out one of these but pay it off when it comes due. They don't encourage this because they don't make much off it. Be careful or you'll find yourself on that long black train to payday hell.

I don't care what anyone owes these vulchers, the low life collection agents have no idea why your account is delinquent and they are not paid to pass judgement. So if a company is using rude or fear inducing tactics as a way to manipulate vulnerable and decent people, then they have already broken the law because they are prohibited by the law to use aggressive tactics to collect on bad debt. So ignore these bastards as they clearly don't respect the laws that govern their own conduct in collecting debt.

these people are scam artists scamming tons and tons of people, they are a fake company constantly changing their names and phone numbers, they are a group from India with the name of their company DFF, look up DFF complaints and you will see what these scumbags do.

I applied for a online loan, they asked me to put
$250.00 on a green dot money pak. I did and was
told I have red flag on my social security card and to call the federal trade commission and pay them another $100.00 to get the red flag lifted.
I did not the first number for the loan is 818-945-1877 and the number for the federal trade commission is 424-245-6138 can you provide me with any help getting my money back

You most likely will not get your money back. Sorry. The number to the TFC is 1-877-382-4357 File a report

The Federal Trade Commission doesn't collect debt from individuals. The agency doesn't "flag" people's Social Security numbers because of debt either. This is another version of an imposter scam where someone claims to be from a government agency and demands payment. We've written about this in several recent blog posts:

Hello, James, I recently did the same thing, applied for an installment loan, and purchased a green dot money park card and loaded 200.00 and was told I could get a refund back once , I complete the loan transaction. Then I got back telling me I owe taxes for a previous loan and it was reported by FTC. Call Green Dot. Fraud division, they wwill need a copy of receipt and the front and back of the great dot scan, to investigate. I still trying to get my 200.00 refunded. Good luck.

I keep getting phone calls the last one was from 717 447 7840. the man on the other end said he worked for the Federal Trade Commission and that he was calling me because of an outstanding balance with US Cash Advance. he said he name was Erick Johnson. I asked when did the FTC call citizens regarding debt. I never got an answer.

I too just received a phone call for a guy representing the FTC. He said he was an officer and he would arrest me. Phone # 850-910-8076.

I have been working through personal debt for a little bit now. If he can't send me something in writing then I pay him no concern.

I have received emails and phone calls as well asking for money for a payday loan in which I never heard of this compay. I did google number and saw it was a scam. Its annoying. I can send you a copy of the latest two emails I received. I told them to go to hell.

The one thing no one seems to be mentioning is this. Most of the calls, if not all of them, are coming via VOIP (voice over internet phone) and they are coming from India yet all the thick accented scammers have very American names. If they were in the United States, this would not fly, but considering they are outside of the country, they will make threats, call repeatedly, curse and try to threaten legal action. Incase you didn't know, here's a few tips. NO law enforcement agency collects debts. They will not call you, they will not ask for money over the phone, they will do none of the things described in previous posts. If law enforcement is looking for you, they sure as hell aren't gonna tip you off and tell you. Secondly, as far as eing sent official looking court papers, again, if they ask for money its a scam. Court papers will be delivered by hand by the local sheriff or other law enforcement authority or sent by certified mail with legitimate contact names and numbers.

Yes you are right they are from India and they change their names and numbers constantly. They told me they would continually call my work until I paid them $300.00 and they called my work 3 days straight robo calling and calling my co-workers names when they answered the phone. They somehow even tied up our lines at work too. Big time lowlife losers they are, cant wait to see the look on their faces when they go down because these scumbags will get caught, I am researching to make sure this happens. Do a search on DFF complaints and you will see the havoc they have caused in peoples lives. Also I believe they read these sites too.

They leave a recorded message stating Hello my name is Arthur Abrum I am the director of the Claims Processing Department of Check Services. I am attempting to service notice on to Michelle Boggs in regards to case file #3134607 naming you as the primary person of interest. at this time you are now considered to be in contempt of this deposition due to lack of response from respoonder. This is your official notification of this process, if you wish to enter a statement on your behalf press 9 to be connected to a processor or you may call us at 877-669-0522. I have received these calls several times and the one time (1/27/14) when I called back they told me that I was going to be charged with Theft by receiving and fraudulant check writing on a payday loan account with Advance America. I requested that they send me a copy of where I owe and they said you will get the copy when you are served with a warrant tomorrow. I called Advance America on the same date and spoke with Lisa whom stated I did not owe Advance America anything, I had paid in full in 2010.

it is a scam, do a research on DFF Complaints and you will see the havoc they cause people, don't send them any money as lots of people have and they still continue to harass them. They are from India scamming lots of people. They change their numbers and names all the time.

Received email from FTC stateing that I had commited fraud by getting a payday loan and not paying on it ,yes I have 2 payday loans but not with the company they are saying and the comp.take themoney out 2 x every month msg.threatened to inform my employers They should be exposed as scammers

The Federal Trade Commission doesn't email individuals about debts. This is another version of an imposter scam where someone claims to be from a government agency and demands payment. We've written about this in several recent blog posts:

My family received a call for someone looking for me saying I was about to go to jail for payday loans. Coincedently it was the same time I had defaulted but I had read about these crooks before. Needless to say I filed my taxes this year and someone has stolen my identity.

I was looking online for a loan I could get without having to use a physical check since I do online banking that was set up with my college a few years ago. I got a call from someone stating I needed to finish my loan application and I needed to pay $1 to a site that would give me my credit score from 3 companies. I didn't do that, but then I kept getting calls from various numbers such as 888-980-1520, 750-432-1533, 643-928-7900, 673-684-4346, and the list just continues. They finally stopped calling once I had my phone's auto block feature turned on to block all calls unless they were in my address book. I left that one for a few days then turned it off and I haven't received anymore calls, except for one. This guy claims that I am being sued by someone, but the guy wouldn't tell me what I was being sued for. When I asked what kind of situations his "law firm" handles, he told me he couldn't tell me and that I would need to talk to his partner and they would give me the information. The day before I actually talked to the guy he left a voicemail stating that I needed to contact him at this number 785-433-4070. After searching for the number I found that it was a scam that other people had encountered and on one of the websites, it gave me a map of the location of the call. After talking to the guy for a couple of minutes, I hung up on him and he called me right back and left a voicemail saying that me hanging up was not appreciated and just for that I would be going to jail the following day at 11am. He said that I would need to have an attorney to represent me and that because I hung up on him that it was not a smart idea since he had my DL number (which I don't have a DL), my address, phone number, email address, social security number, and bank account information. Now when I applied for an online loan, I never entered my bank account information, I'm not exactly sure how or whom I would inform about my SSN possibly being stolen from this guy, if he really does have it. So I waited a few minutes before my husband called the same number, pretended to be my attorney and asked if he was located on street, such and such, in this city and state, the guy claimed he couldn't hear my husband and started blowing into the phone before hanging up. My husband waited 5 minutes then tried calling back only to not be able to get through because his cell phone number was blocked.

These are scam artists from India, they are scamming tons and tons of people out of money they don't even owe. They have gotten people fired from their jobs from constantly robo calling them. Do a search on DFF complaints and you will see. Check your credit reports, these scumbags have somehow gotten a lot of peoples info.They told me my whole social security number, my drivers license number, my email, my home address, where I worked and my checking acct. number(I changed banks but that was my checking acct. number when I banked there). How scary is that? I am researching these people and they eventually will be caught because I am hot on their trail. Lowlife scumbags they are who have no life, I want to see the look on their faces when they are busted from their elaborate scams they are doing.

Someone please help me!! Yes I did attempt to take out an online payday loan. I was told I was guaranteed to receive the loan, but they wanted me to put $120.00 on a green dot card as to show them good faith to them that I would repay the loan. Once they received the green dot payment I was then told that they couldn't give me the loan after all and I would be charged like $490 to cancel the request for the loan. They said they could television it from my bank account, so I quickly notified my bank and had that account closed to keep them from taking my money!! Now they are threatening to arrest me for check fraud!! I'm really nervous about this because I have never been I trouble for anything in my life!! And I NEVER recieved a dime from them to be considered a fraud!! Someone please tell me they can't do this!!!

Please do not feel threatened by these people in any way. They are nothing but scammers. like you said you did not receive anything from them so you owe them nothing. these people took my mother for 1200 dollars. don't worry you have done nothing wrong.

A suggestion.. No matter how enticing those payday loans are, they are in fact, legal predatory lenders and will charge you around 300 percent interest. You will not be able to pay these back, next pay day. Sorry to say I have learned from experience.

716-951-7764 number with recorded robo call from WirePayToday.com. I knew right away it was a scam but it's still annoying when it's calling at 6 AM. Just wanted to pass along this information so they can hopefully be stopped. I also filed a complaint.

I got a call from them today at work an then my cell and my work again back and forth for an hour,claiming they were from a law firm called brumley law firm. The guy said hold I'm going to transfer you to an officer so supposedly this officer works there too whatever.they said I got out a payday loan which I didn't they couldn't tell me when I supposedly did this. Just that I was getting sued and going to jail for 30 days. The number that called me was 785-408-7670 it's a number from Topeka,kansas

High-pressure tactics to scare you into paying, such as threatening to have you arrested, are signs that this caller could be a fake debt collector. Report it to the FTC at www.ftc.gov/complaint if you think you've received a call from a fake debt collector. It might help stop the scam.

I have been getting a call from RSB Equity Grp saying final attempt and it is a complaint from a financial institution but they don't say who. I or my legal representative need to contact them or they will recommend wage garnishment, bank levy or civil suit. I have been dealing with various calls but never getting anything in the mail and I have been scammed out of $600 before for the same payday loan company supposedly Cash Yes.

These same low life vultures have been bothering me in multiple places. I am really disappointed that they are not hunted down and stopped. I do not care what country they are in. This is getting ridiculous. They call my job, cell, etc. This is crazy!

Watch out for a company call credit Union Bank that is a scam ,a David Alexander/ Jose Sander claims that you get a loan amount of 3000.00,they scam me out of 945.00 greendot Moneypak ,I have been trying to get my money back since February ,2014,watch out for this phone number 9735515642

march 3 ,2014 MAgic jack scammed me out of 1,175 dollars.everyone please do not pay them on a green dot paypal card,them keep you on the phone while they take your money, they want money for loan and more money for irs taxes and more to send and guess what ,you loose your money and no loan,its all crap,please do not let them take your money,,,,,,these people should be put in jail,,,,

I FELT SO STUPID THAT I LET THEM DO THIS TO ME,YOUR LIKE A FISH IN THE RIVER WITH A HOOK ON THE END OF IT,ONCE YOU GIVE THEM YOUR MONEY AND THEY WANT MORE AND MORE AND MORE,,,,THEN YOU DO NOT GET YOUR LOAN AND LOOSE YOUR MONEY,

scammed out of 1,175 dollars magic jack scammers on green dot pay pal cards,

They got me today for $200.00 same crap green dot card then I called my account where my paycheck is directly deposit to they tell me they will send me a new card but can't change my account number if I report it to the commission then they will close my account and u won't be able to have another account through them how does that work I mean if they want my credit they can have it ill gladly give them my debt if I had any money then I wouldn't need the loan to begin with lol so what to do now they won't be calling me back they hung up on me after I blew up their phones called them repeatedly as soon as they hung up on me I hit send again and again f*ing bastards

Just got a robo call from wirepaytoday.com claiming I am preapproved for a $1000 payday loan. All I have to do is go to their website, sign up and use the code they gave me. Ya, right! The number they called from is 716-945-8947. They called at 8am and it's not legal to make a telemarketing call in my state before 9am. So I definitely knew this was a scam call. Also, it was way to good to be true, the first clue you are being conned. DO NOT go to the website.DO NOT give out your bank and other personal info on any of these sites. They are all scams. A legit company does not do business in this manner. If it's too good to be true, it's most likely a scam.

Received call from 716-304-3921 stating preapproval for $1000 with preapproval code. Called, but found out not true. Wish I had come to this site first.
Several other companies called stating I had been approved for $2000, but had to pay anywhere from $180-250 on greendot moneypak, but I refused. They prey on people who need money.

I WAS SCAMMED BY THIS LOAN COMPANY OUT OF FLORIDA. THEY TOLD ME I HAD BEEN APPROVED FOR A LOAN. HAPPY I WAS. THEN THEY TOLD ME IN ORDER TO GET THIS LOAN I WOULD HAVE TO PUT 345.00 ON A GREEN DOT CARD. SO I DID. AFTER BEING ON HOLD AND BEING TRANSFERRED TO AND FROM, I WAS TOLD THAT I HAD TO PUT 425.00 ON ANOTHA GREEN DOT CARD IN ORDER FOR THE FUNDS TO BE RELEASED. THEY THOUGHT I WAS STUPID---NOT!! IF I WOULD HAVE LISTENED T MY MOM I WOULD NOT BE IN THIS SITUATION, WHO HAS TO PAY MONEY UP FRONT T GET A LOAN. PEOPLE PLEASE BEWARE. I AM A CANCER PATIENT THAT WAS TRING TO PAY OFF SOME MEDICAL BILLS. I AM HURT. PLEASE DO NOT ACCEPT CALLS FROM ALBERT WALKER AT THIS NUMBER 352-505-7662.

wirepaytoday woke me this morning, saying a previously rejected loan was now approved. I was asked to press 1, which I did, repeatedly. Kept replaying the "go to website" message. Kept it up during my morning ablutions. About 10 minutes. At least that tied up one of their phone lines, and I hope cost them some money.

they are all scamssssssssssssssssssssss

Got a call from 585-466-8043 saying I was denied a loan in the past but now approved for gold status for 1000$ go wire payday or whatever put in 7707 to get it.i knew they were trying to scam me they blow my phone up everyday all day it's getting to were I want to have my phone service disconnected.they get mad when you tell them you didn't apply for and thing you don't want a loan .then they start cussing you yelling at you I had one call me a stupid b***h and a c**t because I told him to stop calling my phone or I was going to report him he hung up and kept calling me back so I started passing the phone around the room to people and letting them make jokes and him and act like they were trying to sell him something it made him really mad then I told him it wasn't my fault his mom was a goat hearder and that made him really really mad and he hung up so we started calling him back he wouldn't answer needles to say he has never called back.they call from numbers when you call back you can't get through or they are always busy or disconnected area codes from 715. 771 760. 404. 440 850

Applied for A PAYDAY LOAN WAS CALLED AND APPROVED BUT HAD TO GET A POWER PAY CARD AND PUT 40.00 ON IT AFTER THAT CARD i WAS TO GET A RELOADED CARD AND PUT 60.00 TO COVER MAINTENANCE FEES........... AFTER THAT THEY SAID MY LOAN WAS NOW 1100 AND IT WAS THEIR MISTAKE SO i ONLY HAVE TO PAY 95.00 MORE THEN THEY WILL ONLY REQUIRE ME TO PAY BACK AT 92.00 A MONTH SO i PURCHASED 95.00 AND NOW THEY NEED DOCUMENT FEES OF 70.00 THEN I WILL BE ENTITLED TO ALL THE FUNDS WITH A NEW PIN NUMBER.................... AFTER 200.00 i'M DONE NO MORE i'VE BEEN HAD BUT THATS ALL THEY GET 727-748-8091 Oscar, Jose....... all from india?

these people have been calling me for two years now and i have changed my # 7 times how the heck they keep getting my # ?they will not stop calling ,threatening me !please someone catch these $#!!

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