Saturday 13th of October 2018 05:04:57 AM
I was contacted today at my place of work by a "legal department" who claimed to represent Cash Advance USA. First off, I was embarrassed to have to take such a call in front of co-workers. Having nothing to hide, I took the call since it must be a misunderstanding. The man quite bluntly stated a judgment had been made under my social security number and that I must be willing to settle a debt that was in my name or else, legal proceedings will be taken against me. He rattled off my complete social, address, place of work, etc. He had the goods on me. What he didn't have was any solid evidence to back up his claim. He said regardless of my own bank statements, he had proof I took out a cash advance loan back in Dec 2011 for $300. "No way", I said. I need more than just a stranger's word on that!Well after refusing to divulge any information, I told him they will have to mail me in writing all the details and transaction numbers, who authorized the said transfer, etc. He hung up, but not before I got his number. 5 minutes later, it dawned on me what was happening so I called him back. This time, I tried getting as much info out of him as possible. I said in order to make payment, I need the company's address, license number, etc. All he would tell me was they are in Georgia. Georgia, as in the USA? No response. Then he hung up. I called right back and got no response, I mean no machine or anything, just dead air. So I gave it another 10 minutes and finally, someone answered. It was a different person and I called from a cell phone this time just to throw them off. I acted like a potential customer and simply wanted a street address for my records. "What is your name sir?". Mind you, every person I talked to had a heavy Indian accent. For giggles, I told him my name was John Smith. I heard a few giggles in the background and yet again, got hung up on. That's where it ends. Just like everyone else who goes through this scam attempt, I failed to see the obvious signs like quickly threatening legal action, not having detailed info or even an exact date of any transaction. The biggest thing was the fact that I know I never failed to pay a loan back or even took one out in the first place. They move fast and prey off your fear. They have just enough personal info on you to appear legit, but when you lead on that you suspect anything isn't right, they cut ties right there. There are other fish in the sea for them to catch.