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

Additionally Working Like:

• Advance America
• Advance America Pay Day Loans
• Money America
• Cash loan of America
• Cash Loan USA
• Speedy Money

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

The Washington State Department of Financial Institutions (DFI) warns customers to prevent provide any nonpublic individual information, such as for example social safety quantity, bank card, or banking account information to your specific, website, or business without first verifying their identity and permit status. Customers can see whether a monetary solutions business or person is precisely certified to conduct company when you look at the State of Washington using the “Verify a License” function regarding the DFI’s website at www. Dfi. Wa.gov/consumers/findcompany. Htm. Customers also can always check permit status using the Department of Licensing at www. Dol. Wa.gov.

DFI has gotten reports of obvious frauds carried out by people claiming to express Advance America, money America, advance loan America, advance loan United States Of America, Speedy money, and Advance America payday advances.

Many customers received calls and/or emails from individuals claiming to represent cash loan America, money America, and Advance America pay day loans where in actuality the callers offered loans in return for upfront charges. Although a few customers never sent applications for a cash advance, the callers insisted which they had been calling to talk about the customers’ pay day loan applications. One consumer stated that, whenever she declined to wire cash towards the caller, the caller threatened appropriate action against her. Various other customers compensated the fee that is upfront didn’t have 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. Within one situation, the customer had been told they might be given a deposit and ended up being instructed to buy iTunes present cards and deliver them into the caller. The buyer complied with all the caller’s demands; but no loan ended up being supplied. Into the 2nd situation, the buyer was told to buy a Bing Enjoy present card from an area merchant so that you can show the buyer could repay the mortgage. The customer bought a gift that is amazon rather if the customer suspected it could be a scam. The customer contacted the so-called agent who the consumer recognized as Brian Jones. Whenever she told Mr. Jones she bought an unusual types of gift card the buyer claimed that Mr. Jones became extremely upset along with her.

A few customers had been contacted by individuals claiming that a debt was being collected by them owed to advance loan America, Advance America, or Speedy Cash. One customer reported receiving harassing that is multiple calls. The caller reported that the customer owed a financial obligation for the 2007 cash advance but declined to present any kind of facts about your debt. The customer stated that he failed to 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 getting e-mails from people claiming to represent cash loan United States Of America. The email messages suggested that the customers owed on a so-called financial obligation and necessary to spend instantly in order to avoid further action. Both customers reported never acquiring that loan with advance loan USA.

In 2 other cases that are separate customers received a message that stated the “Semrad law practice” could be managing the collection in the event that customer failed to pay funds. One e-mail claimed it was from “Kristen Johnson” in the “Accounting Department, ” plus the other stated “Nik Ramon” in the “Settlement Department. ”

An additional instance, a customer received a page that stated “Pacific Legal Group” will be handling the collection in the event that customer failed to spend funds. 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 amount had not been compensated straight away.

“PACIFIC LEGAL GROUP” SHOULD NOT BE CONFUSED UTILIZING THE FOLLOWING SIMILARLY NAMED ORGANIZATIONS:

• 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 current time, Pacific Legal Group, PC does not have any customers in Washington State, but we do provide appropriate representation within the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, Computer doesn’t make any unsolicited phone calls to consumers. All telephone calls created from our company likewise incorporate caller ID with your mail phone number: (415) 746-1470. ”
• Pacific Legal Group (Provo, UT)Pacific Legal Group has furnished the after statement to consumers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California is certainly not related to Pacific Legal Group, a authorized d/b/a/ of Avery examine the link Burdsal and Fale, Computer with workplaces in Utah. As the Huntington Beach company has utilized comparable title, logo design, and font as Pacific Legal Group in past times, Pacific Legal Group’s website referenced in every interaction is www. Pac-legal. Further, all communication from Pacific Legal Group will additionally reference the Utah telephone number (801) 788-4122, plus the workplaces in Utah. Furthermore, we don’t typically do commercial collection agency work. ”
• Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
• Pacifica Law Group (Seattle, WA)
• Pacific Legal Group (Bangkok, Thailand)

These obvious frauds are linked to the contact information that is following

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often take part in specific practices that indicate they have been committing a fraudulence or Washington State that is otherwise violating law. As an example, such entities frequently utilize non-business e-mail details (such as for example -@gmail, @yahoo, or other comparable easily obtained e-mail addresses) to deliver communication, threaten legal or unlawful action if customers usually do not respond instantly, or have many different typographical and spelling mistakes inside their communication to customers.

Nevertheless, on occasion, emails or letters from unlicensed entities doing fraudulent task will include accurate information that is personal 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 Social protection management to make certain there isn’t any unauthorized task to their reports.

Business Collection Agencies Laws

In the event that you received that loan from the loan provider or owed money to a small business and some body aside from the lending company or company is now wanting to gather away from you, the collection task can be at the mercy of the federal Fair Debt Collection methods Act (FDCPA). 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. Ftc.gov when you have concerns regarding business collection agencies guidelines, contact.

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