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

I was called by Amanda from Johnson's law firm and has anyone been called from 760-230-8069.

I have been called by them too!

I've been getting calls from 209-207-7416... The # says California... If they call me and I don't answer they light up my phone and then start calling work and asking for a manager or supervisor... What do I need to do to end this

Same here is it payday loans and they have a forin language like middle eastern.

learn how to spell before you post a comment

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 just got scamed for 400. My last $400 til payday nearly a month

James this just happened to us also. Scum. We got scammed our last 296.00.

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.

You are certainly right...these scammers are from India and they are using good phone technology to have their numbers change frequently....they are professional thieves...THEIR FAVORITE METHOD IS GREEN-DOT...and of course, people who are naïve fall prey to their mischievous tactics.

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.

The same thing just happened to me. They can not bring any charges against you. They scammed you. Dont lose any sleep worrying about charges against you because they are the criminals.

Wow this just happened to me. They called saying i owe an outstanding payday loan but could not send me any written paperwork. And then when i said i wasn't paying they called me from a 911 number saying i was going too be arrested. I got worry and sent the 100 dollars. Now they said i need too pay 500 more or i will get arrested

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 recently went online to apply for a payday loan.. The next I was flooded with all theses phone calls325300165 saying I was approved for a loan and all I had to do was go in a site and pay 1.00 to get my credit score... I told the person with the heavy accent that I already got my score for free but he insists that I need to pay for one on there site.. I told them no and that I know they are running a scam and I told them I was gonna call news channel 7 and expose them.. He hung up.. I tried to call back but it just kept ringing.. Only thing I'm worried about is that they do have my personal info but my credit is so bad that they wouldn't get anything from it... Just the point of them having my info is scary.. Don't know what to do

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,

Ifeel for you Cindy I just got scamed out of $900 this week you keep giving and get nothing

We got hit hard today too. Same thing $911 they said we would be refunded thru the loan once funds were wired. But then we were flagged by the IRS??? For $850 we could still get funded? They lied told us our good faith money was tied up with the IRS so no refund, but $850 could get us our $3000 loan!

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 $#!!

I received a call from a foreign claiming to be from a law firm, notifying me that a warrant for my arrest was going to be issued. I am going to be charged with check fraud and several other things. He could not tell me who I supposedly had a payday loan from, that I apparently did not pay. He just gave me the name of a big company American Cash. I said I was going to look them up and he told me they are not online.

I keep getting repeated calls from a local#. She stated her name but not where she was calling from. She called me repeatedly like 10 times. She then said it was her final atempt and would be served papers as they have verified my address and work address. When I call # back it says that department cannot receive incoming calls. Some investigation department. Please give me some direction.

Cash advanced USA scammed me out of 300 dollars. They called me and told me to purchase money pak green dot cards. First it was 100 then I had a "red flag" on my ssn so I need 80 more to lift it then I didn't have loan insurance so I needed to pay 30 . Finally I got smart looked them up and it's a scam they call from (551) 200-5885
NJ, USA don't let them scam you!!!!!

The NSA should be helping put a stop to these ass-hats. It's their responsibility in the USA to do so.
The phone scam terrorism needs to stop.

Ive had calls from the david alexander guy saying i got a loan from cash america i called them personally spoke to a lawyer after i was told i wld be going to court for it. I necer recieved a loan. I had started to apply for one but never finished. He swore i had gotten it called me a liar. The lawyer informed me it was a scam. I still 4 years later get calls and refuse to answer but it is now even on my credit report.

I have received one phone call from 3073167491 to my cell phone. I called them back to see who they were, they didnt say, just "give me $300 before I send you to court and the cops will arrest you." I told them to mail me the documentation to prove. I had this bill. It may be a true bill may not be, just send me the proof from 4 years ago. Philip is now calling my place of work, a hospital, and tying up emergency lines.
Security and the police are working on this. I will probably lose my job over this "so called bill". I will sue the company that made me lose my job. He is using my cell phone number to call into the hospital looking for me, he is calling other floors, etc. I had to change my cell phone number. which costs money to do. I am very worried about losing my job.

I got a call from a 2052770085 talking bout they go arrest me they have a bodily attachment against if I don't pay the 330 dollars for a loan I applied for. But they called my sister and said it was for Wells Fargo but when I calles it was loanshop these low life have me scared straight they new all my info idk how they got my job number I gave them my debit card info cause im thinking man Im bout to go to jail what do I need to do please help

You need to cancel that card and close your bank acct ASAP!!!!! YOU WERE NEVER GOING TO JAIL they knew your info from off of your credit report you need to contact the police and your bank IMMEDIATELY to report this and to make sure they dont get your money because youll never get it back

Heres an idea. everyone that is getting calls need to do this. document every possible phone # these asses call from and give them a "taste of their own medicine" by repeatedly calling them back with a *67(phone # here). I would bet that eventually they will stop using that #. I realize they will just start using a different # but someone needs to start somewhere.

Received a call that stated "we are very concerned for you and will need to speak with you immediately." Received several calls, back to back. I called back after listening to the voicemails. The phone rang 10x and an automated answering service picked up the line. It did not state the name of the business just stated to leave a message. I did not leave a message, however a call was immediately returned. I spoke with a lady and she asked if she could verify information. She them stated that she needed to connect me to a compliance officer. Once on the phone with "Frank Watson" he was able to provide me with very detailed information including : banking institution, previous address, current address, previous employer and social security number. After giving me that information "Frank" stated that I owed $790 immediately or I would need to surrender to authorities or they would come to my residence and detain me this evening. He told me that he would give me an hour to call family to get the money paid. He then offered me to pay 60% and finish the payment within 30 days. Before hanging up he wished me the best and said he wanted me to resolve this issue. If I did not resolve the issue within hours I would be detained on a level 3 felony. Please excuse the misspelled words and poor grammar. I am unable to edit this post. Sarah Austin/Houston Texas

The people that contacted me were americans they didnt even have a hint of a foreign accent.the number theyve been using now is 516-208-2876.the woman tells you she is nicole tarantino with the law office of thomas & keane in New York.the only problem with that is when you google the law office theres no match.theres an attorny with the name of thomas keane and hes a defense lawyer smh i almost fell for the whole "federal charges for meticulously deceiving the bank that gave you the loan" mess until i said i had no kind of credit/debit card and i wasnt going to buy a prepaid card no matter what the consequences and she got mad. When she called again and i let her know that i found who really owned my debt and we had set up our own arrangement she began to curse at me tell me id go to jail for contacting the person who owned my debt and cursed about the gentleman i spoke to.i let the real debt company know what was being said too.the next day(2 days ago) the woman who called me said she was "officer cynthia" from a county i lived in for 10 years and still have family in but my caller id showed a number that was in the town i lived in.after they hung i notified the real debt collector again and they went to extremes to help me.they called again the next day(yesterday)and by then id already read articles like this and knew what was happening so after i answered and let "nicole" begin her tirade then i cut her off and i told her this:dont you and your scamming friends ever call me again and i hope you stay on here because the ftc and fbi are recording all phone calls on my phone because of you dumb people.THEY ARE LOOKING FOR YOU!!!!! Have a blessed day and may GOD bless you always.she started stammering then said huh?what? Then hung up.i havent heard another word since.i know i lied but i knew itd get them to leave me alone lol and they never got 1 red cent from me either

Same song second verse. They got me today for 180.00. THEN THEY WANTED ANOTHER 80.00 Name is Tom Bailey address is in Chicago. I have contacted Green Dot they said to bad you been had. Number is
312-473-4930 There is also a man named Jim.

I have applied to a loan company who said I have to pay 1st installment in to a bank account.done this then they called me and said I have bad credit and need to pay 155 then get the loan and get the 155 back. They said it is tax. Is this a scam

Hi, dondon,

Legitimate lenders usually take out any fees that you owe from the money you borrow. Check out our article about Advance-Fee Loans. It says: "Scam lenders may say you’ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for insurance, processing, or just paperwork."

I have applied to a loan company who said I have to pay 1st installment in to a bank account.done this then they called me and said I have bad credit and need to pay 155 then get the loan and get the 155 back. They said it is tax. Is this a scam

They said it is tax for the loan as I have bad credit.they said I have to pay tax on the loan because it a loan from black market and not work they said I would get the 155 back with the loan in half hour after it is paid in to santander bank account. I have deposited 125 fir the first loan installment can I get this back

Cash advance lady name linda mathis told me the same thing about the tax on the load that I needed to pay 50 for the tax like a fool I sent the money....long story short I called my bank and the police filed a report on them

Has anyone heard about these loan companies that want to give you a loan for amounts up to $2500, but because your credit is poor want you to verify you have funds available to repay?

I feel for you i was scamed out of $900 and got no loan

I applied for payday loan on the website asked for my info gave it to them. Thinking they were legit bought a green dot money pak card loaded 250$ then loaded anther one with $350 my rent money thinking I was getting the loan. Then from there they called me saying I was going to get sued by bank of America I asked y they told me bs now I'm scared there after me . Can they sue me if I didn't recive nothing yet I'm getting a lawsuit?

I haven't paid my pay day loan for a half and a half. Upon making more money I decided to give them a call to set up payments ect. But after I called I received an automated message saying the company(Cash Express Direct) had went out of business. How am i supposed to pay them back?

I was told what everyone else was told some indian accented guy who claimed his name was Shawn Williams told me I needed to get a 211 MoneyPak card stayed on the phone with me my drive there then waked for me to get the numbers then told me my find were on block because of a bad credit score so I need to put another 200 on a different money pak I told him I reloaded the first 1 and he said that's impossible you can't do that I need a whole new 1 so I took the phone to my sister whos a lawyer and she was livid at me because she asked him who did he bank with and he hung up on her but called right back and said so do you have the other 200 or what. She then asked for his address and he laughed and hung up again but called right back and asked me again so are you able to get the other 200. I'm devasted and upset I couldn't even cry because I know I'm smarter than that but once your really desperate for money you go through lengths. Theyre calling from 7542108889 and an 888

well after reading all these scam artist, and feeling so stupid for believing in these creeps! I also have been taken for nearly 2,000. dollars and still being harassed and promised a loan. they are so convincing, each time you give them one amount then they connect you with another loan officer, and demand more for fees. I told them I have no more money to get more cards, and they get more upset with you. I told them I had been scammed by them then I get a call from someone who claims to be from the federal trade commission that was working for the FBI, he took all my personal information as well as all the numbers on the green back cards. As soon as he got what he wanted turned me back over to this same guy that was demanding me for more money.This has really been tough and has been a financial nightmare for me and family. I was counting on this loan to pay my bills, including my home payment. I have nothing left now except green cards that is a bad reminder of how bad people can be.. I cannot believe I can be so stupid! I hope karma comes their way in a big way...

If you receive a call from someone claiming to work for the FTC, take down their name and hang up. Then, contact the agency’s headquarters at (202) 326-2222 and ask to speak with the staff person who called you. Verify that the call is in fact from the FTC. If they call you and ask you for money you can be sure it is a scam. You can file an online complaint at www.ftc.gov/complaint or call 1-877-FTC-HELP.

Thank you, I just wish that I could retrieve my money.

Anybody got acall from 682-841-2213 ????

Received a phone call from 218-429-4037 with a threating voice message to both my cell and work number from a guy with an Indian accent. I recently filled out an online application for a pay day loan which I have not taken. When I called the number, some other guy answers the phone, "Something Law firm." I asked him to repeat it and still did not catch the name. I then was in the process of telling him whatever the name of the firm, I know this is a scam and not to call me anymore. I was hung up on mid sentence. Beware!!!!

didn't put money or green dot card but they have my information and they have been calling regliously. I will not be sending them anything but afraid of being scammed because they have my information.

did not send money but they have my information. afraid they may use fraudulently

If you are worried about identity theft here are some steps you can take to protect yourself. Find more information about identity theft at ftc.gov/idtheft.

Once they asked for green dot card, I hung up but now they keep calling and have my acct info, I called bank they said they usually don't mess with bank accounts just get people to buy green dot cards but they flagged my account for safe measures....have they taken any money out of y'all accounts or just the green dot cards bc now I want to close my account.

I received many calls from 360-849-7002 today. The man left a voicemail and stated that his name was Roy Jackson and that I or my attorney should call him back or legal action would be taken. So me being tired after a long day and being completely scared after this voicemail, I called them back. He had all this information about me saying that I owed $8,000.00 or something. He said that I was being accused of fraud and that id I didn't pay today that I would have a warrant out for my arrest and that there would be police at my home and my job to arrest me first thing in the morning. That being said, in my scared s***less frame of mind, I didn't think...at all. I should've noticed the signs of scam. Anyway, He was asking me about my financials and when I would ask what exactly he was calling for he wouldn't tell me. He didn't offer any information until I asked what I had to do to take care of it. He had me drive to an atm and get as much cash as I could get and put it on a green dot card. I lost $400.00. He told me that I needed to pay another $250.00 in 2 weeks or I will end up getting arrested.
My question to y'all is, If and when they call again, how do I handle it? or should I just ignore them till they stop calling? I need some help!

Our advice is to stop speaking to them. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing. You can find more tips on how to handle calls from a fake debt collectors here.

These cockroaches took my last 3 bens bastards

Received a phone call from 218-429-4037 as well to my job threatening of a law suit, told them i would call them back and he didn't want to hang up finally he gave me the number and hung up. He called me back because i did not call back at the time i said i would which i was just waiting for my lunch time, i finally was able to call back they asked for my info which i didn't give to them I told them if you called me you should have my info and it was weird i never got anything on the mail to which they said they emailed me, so i told them i dint get anything because it probably goes to my scam then told them not to call me anymore and hung up. They called my cell phone almost right away more than once finally i answered and told him to tell me what i was being sued for then he said let him get my file and transferred me to someone else then i had enough and said do not call me anymore if i am being sued i will wait for my local authorities to contact me because you are scaring me he hung up without saying a word. I believe something official will come with a letter first and not all the workers will have the same Indian accent beware do not give out any info and it works to mention the authorities...

Received a call after 4 years saying I owe for a past due payday loan which I know I do. The call came from area code 949. The guy said they have been trying to serve me at my current address and previous address. The problem is I haven't had any one show up at my door. Also, they said I will be served on the 15th between 12 am and 12 pm. I thought about it and called back and spoken to the guy and he said he couldn't talk to me and hung up. Afterwards a friend called the number and the guy couldn't give him the name of the company. Later on I tried to call again and the phone number was disconnected.

My sister was taken by these scammers< she was really desperate for money so she filled out and online app for a loan. They called her back to say she had been approved for 1500 dollars. But first she had to verify that she had the means to pay it back so she had to pay 165 dollars from a green dot card. All she had was 30 dollars so she asked me to loan her the rest, which I did, but I should have known better. My first red flag was when she told me she had to pay money to get money, that just didn't sound right to me. But she paid the 165 and they put her on hold for a very very long time, they kept coming back on saying we are verifying everything with your bank ect ect. Then they came back on and said ok you can pick the money up from western union, but first you have to pay a $400 processing fee. What!!!! If you apply for a loan that means you need money, so how is she suppose to pay that?! So that is when I stepped in and tried to tell her that that was a scam but she wouldn't listen. She talked them down into $250 but I had already had enough. so I stopped by the western union to see if this had some truth to it and sure enough she told me that we were being scammed. What ever you do not send anybody any money if you do not know them. And you never have to pay money to get money. And lastly in the state that I live in you cannot receive a loan over the phone no matter how good it sounds. Please be careful!!

Thanks for sharing your experience. You can file a consumer complaint with the Federal Trade Commission (FTC) at www.ftc.gov/complaint.

It's important to submit a complaint because investigators from all over the country access the FTC's complaint database. Watch this video to learn more about how to file a complaint with the FTC and why it matters.

I had been receiving these phone calls fro a michelle Jackson and agent dibbs from rapid recovery for a month now on a pay day loan I took out almost three years ago well the other day I had gotten a call and was told that if I did not contact them that I would be arrested for check fraud and theft by deception so me being scared due to never being in trouble before I paid them 225.00 which was my rent money for the month and then they proceeded to tell me I still owe them 1060.00 by Monday after looking up the number and finding out that it is a landline phone I put a report in to the attorney generals office and with the bureau of consumer protection the number is as follows so that no one else gets scammed out of money like me and my family 1-630-701-7763

HERE IS ANOTHER # FOR YOU 979-871-6697, ACE CASH EXPRESS, SO CALLED LOAN AGENTS "DEN MILLS, AND ALAN COOPER." YELP, THEY SCAMMED ME OUT OF $240.00 AND NOW TRYING TO GET ME TO PAY $170.00 TO WESTERN UNION TO GET THE LOAN MONEY BC MY ACCOUNT IS HACKED SO THEY CAN'T DEPOSIT MONEY INTO IF THEY DO SOMEONE WILL TAKE MY MONEY. YEAH RIGHT!! SCAMMERS, THIS CRAP REALLY TICKS ME OFF BC I HAD A FEELING IT WAS A SCAM BUT DID IT ANYWAY. WELL I LEARNED MY LESSON AND IM DESPERATELY TRYING TO GET MY MONEY BACK FROM GREENDOT AND MY BANK. *****PLEASE DO NOT FALL FOR THIS MESS LIKE MYSELF AND OTHERS HAVE****

They told me 1000 will be added to my Citibank account for I was approved for a loan of that amount then they said I would have to show 180 dollars first when I tried to ask more questions they hang up but yet they called my phone all day from different numbers and yes they did have a western Indian like accent I can hardly understand a damn thing there saying and they have the nerve to speak fast as hell and get angry when you say slow down

I got scammed last wk too. I was trying to get a loan from a guy with a thick accent. I filled out many online applications and got probably a 100 calls a day. I'm aware of online scams, but since I was getting so many different calls from so many different #'s, I thought there had to be some legitimate ones out there. This guy said he was from TD Bank. I looked up TD Bank online, and it it legitimate. He had me put $275 on green dot money pak for funds verification so he could see I could afford to pay the loan back. He told me it would be deposited into my acct in about 30 min but called back saying my credit was too bad and I had to pay another $179 to Western Union!!!!! I said to cancel my loan and give me my $275 back, and he said he couldn't do that. I've also been called by numerous so called law enforcement agencies & attorneys telling me they're looking for me for check fraud for some cash advances I never took out. They use phrases like "a restraining order has been issued against you" I was contactd by some of the same ones I read about on here. I even filed a police report about the scam I was involved in, but they said they couldn't do anything to catch them. This is so awful how this is allowed to go on!!!!! This is completely criminal activity, and they're praying on broke people with bad credit, and no one is doing anything about it!!!!!

It’s best to stay about from lenders who ask you to wire money or pay with a pre-paid card to get a loan. This is a sign of a scam. The article Advance-Fee Loans provides six sure signs of an advance-fee loan scam.

I been receiving calls all day from guys with thick accents asking me to put 150 on a visa card

Jake Thompson Phone # IS 1-773-377-6843 AND Dave Jones Phone # 1-312-473-7061 They Claim To Be CASH USA PAY DAY LOANS. They Are Scammers Do Not Give Them Any Information or Money Hang Up On Them. They scammed Me Out Of $565.00 Useing Green Dot MoneyPak Cards. They Are The Scum Of The Earth Beware.

You can go to your local county clerk's office, or contact them to look up the background of these businesses before you deal with them. They seem to be a necessary evil? People need money and other people are willing to give it to you. Avoid the scams though, they are in the plenty. You can do your research contact your clerk and find out if they are legitimate. Safe travels :)

just leave numbers below I will call them all day and night like they do you

If they call you nonstop just Google some soundboards and have some fun, it seemed to have helped me.

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