Insta Cash

I have been receiving calls from individuals that have very thick Indian accents and usually give a name such as Jeff ** or Jimmy **. They are claiming to be with the legal department of BFF and claim that my SSN is under investigation. They will not provide me any information or send any type of statement to me. They called a friend of mine on her phone and said she has to send them money because I am not cooperating. They are harassing me at work, at home and calling my cell. This is against the law. If I were to call an individual and threaten them, I would be arrested. It amazes me that our government can not stop these horrible people!

I am being extorted, assaulted, defamed, civil conspiracy. A gov contracto "hazard mitigation" who was hired by my former public employer has committed outrageous crimes since August 2010. My finances stolen, all cell phones meid ip addresses stolen and they are downloading things to make me appear to be a copyright pirate. They broke in my home, installed electronic monitoring devices, my pc circuit boards altered and can only be seen with a powerful magnifier, my postal mail stolen. They have obstructed justice from me by controlling my ip address and might likely falsifying information about me.

Considering they consulted my former 15 year employer, and my entire county, the law enforcement are influenced by the count. The county listens to the consultant. I am a victim of unbelievable human rights/civil rights crimes and I am financially unable to protect myself and children. My bank accounts have literally been hijacked and no explanation ever given. I may ask for advice. Evidence I have are cell phones I received from sprint which were hacked externally. My prepaid cell phone meid ip address stolen, the store which I purchased it had to give my meid.

A new unknown device logged into your Facebook account (Friday, January 6, 2012 at 11:16am) from Williamsport, MD, US (IP=66.87.4.83). (Note: This location is based on information from your ISP or. A new unknown device logged into your Facebook account (Friday, January 6, 2012 at 11:16am) from Williamsport, MD, US (IP=66.87.4.83). (Note: This location is base http://www.youhavedownloaded.com/?q=66.87.0.47. A new unknown device logged into your Facebook account (Tuesday, January 3, 2012 at 6:49am) from Winchester, VA, US (IP=66.87.7.157). (Note: This location is based on information from your Iwy. Device Info @ 2012-01-02-123400-0500

Everything I own is destroyed, my reputation, my credit, my neurological nerves system, my childrens quality of life. Every law that could be broken by this corporation has been. They have influenced utilities to turn off our electric, influenced the county to put a lien on our tax return due to us being late on maybe 1or two 20 dollar a month payments. I cannot seek employment without my resume being hacked and removed from networks. My medical coverage was stopped the day of important health treatments were to occur. They are extorting us from our home and property. All of our electronics, vehicles have been tampered with only an honest electronic forensics. Examiner could easily identify this. All electronics tampered with have a distinct marking. If I had the money to have this evidence validated, I could sue and recover from these outrageous crimes committed against us.

I received a call from a man with a very thick Indian accent from a local phone # ** and was told that I was being sued if I had an attorney if not that I needed to retain one. He then would not give me any information as to why I was being sued but that I needed to call this phone ** and speak to attorney David **. Another man with a thick accent proceeded to tell me that he could not give me the information unless he read to me the official affidavit and if I chose that option to not interrupt him until he had finished. He would read a little bit, telling me that I was going to be arrested and spend Christmas behind bars, during the conversation he put me on hold several times for 5 mins each, I finally told him that he needs to resolve this matter before he speaks with other "clients."

He advised me that same as all the others, check fraud, prison time, calling employer, arresting me within the hour. Of course I was upset, I kept asking him to explain what he was talking about all he could say was if I had checked my credit report lately and that I was a liar, then he said that he was sorry and hung up the phone. I called back and someone else answered the phone and basically told me that I was going to prison in the next 2 hours but if I wanted to avoid all the embarrassment that I could resolve this matter within the next 35 mins by sending $495 to them via western union. I just let out a sigh and he stated that he had his answer and said have a Merry Christmas behind bars and hung up. I have reported to the local authorities, these people need to be stopped!

This place keeps calling me leaving voice messages stating they are the State's attorneys office and there is a lawsuit filed due to a pay day loan I have not paid back. This is a scam and they had all of my information and bank information. The guy that left the voice mail said his name was John ** but sounded like he was from another country not the US, very strong accent. When I called I spoke with another guy with the same accent named David **, saying I will have police at my door and owe 5,000 dollars to Insta Cash USA. This is not true. I am very upset that these people have my information and sending me threats of going to jail. This is not right. I do not owe any pay day loan, any money. What am I to do about these people having my information?

They just had a foreign man call my job to tell me that there were criminal charges against me and that the FBI would be coming to get me at my job. I was told that I would be taken to California and I would have trial there. I don't know who this company is and I have never did business with them. This business had my social security number and all.

I was contacted on September 14, 2011 by a Middle Eastern man, saying that I was being sued by Insta Cash for $939.00 on a loan that I took out on May 25th, 2011. The call stated that he was from a law firm called Duna Law Firm out in Illinois. Phone number is **. He stated that on Friday, the sheriff's deputies would be at my work to pick me up and take me to court. The caller read me my routing number, checking account number and social number. I called the local cops who immediately Googled it and found that it was a scam. According to the caller, I was being charged with Federal Banking Regulations, theft by deception, and check fraud.

I received a call from a man with a very strong Indian accent, claiming his name was William **. He was calling from Insta Cash. And then, he said he was calling from Bradley & Duncan, Attorney at Law in Illinois. The number comes up differently every time, sometimes unknown and some time as **. Today, I got a threatening voicemail from this man claiming that there are fraudulent charges against me. He said that either myself or my attorney needs to call him back. He said that if we choose not to call him back, he will feel sorry for me.

I called back and spoke to another strong accented man. And I got more threats. I was told the same thing as was left on my voicemail. I was given 2 different amounts owed. The first was $10,400 and other was $695.72. He knew all of my personal information including my parents' name. He said that if it is not claimed in the next 3 business day, officers will be arresting me and detaining me for a period of 30 days in jail. If I was on parole or probation, I needed to let them know that new charges were put against me and I will be arrested. Also, they asked me if I ever had other judgements etc. He became annoyed when I refused to give out my personal information over the phone. I asked him to mail me these documentations that he has against me, claiming I did these crimes and applied for a Payday Loan. He said that they do not mail or call to go over these. He said he will just email us. I never received any emails, only calls threatening me. I am so nervous. I looked up this attorney's office (tried) and they do not exist.

Today, I was contacted by a Middle Eastern accented man informing me that I was about to go to jail for fraud and some other stuff I have no idea about. They claimed that I took out a loan in March from Insta Cash. I applied for a loan, but not once have I applied for one from them and because of a student loan, I got denied for all loans I appled for. As I called back for more information, the guy hung up on me. So I called the bank my debit card came from and they told me the only money I have available was $1.15. That's the balance from my last check from working at Burger King where I was issued the card. These people are not going to mess with me at my job or harass me on my cellphone or at my home over this non sense. This is crazy and I know it's fraud. How in the ** you are going to tell someone that they will be arrested and they don't know what for? I'm 7 months pregnant and have a two-year old. They can ** with me if they want too.

I received the first phone call from these middle eastern individuals back in December of 2010. I laughed it off assuming it was a scam, deleted the message and didn't think about it again. They have recently called me again. 4-5 times in the last 2 days. They leave very rude messages on my voicemail, demanding that i return their call and provide my attorneys phone number. So today, I called them back. I spoke with "Daniel Black" the first time i called. I was told i had 3 felony charges pending against me, check fraud, banking fraud and one other one I can't remember. I was told on the 1st call that I had taken a payday loan with "Instacash" and he could read me the afadavit info but i MUST NOT interrupt him and he would answer questions i had after he was finished. I hung up on him half way through....sickening.

The 2nd time they called i answered and they hung up on me. So i called them back. They asked me "what do you want" and i explained to them i was returning their call. He then tells me the exact same thing that the 1st person had, and in addition i was being sued for $5486.00 and that i had 24 hours to pay it back or i would be served papers. He says they could be delivered to my home, my place of employment, and that if i was pulled over for a minor driving offense i would be "taken downtown and spend the next 30 days in jail". SO, i got a little smart with him. I told him i didn't have a job, that i've never had a job and never taken a payday loan.

I am employed, at A FEDERAL BANK, but wanted to see what he would say. I also told him my identity was stolen a year ago and that this must have something to do with that. He started to stutter and stammer on his words and then told me "if you don't have an attorney, i suggest you get one, were coming for you" and hung up on me. I am in no way worried about this, i owe NO payday company any money and it is clear to me from reading the posts on this forum, that this is totally a scam....

Received repeated phone calls from a foreign man stating they are suing me for a loan from InstaCash, which I have never had. They had some of my personal information. I believe this is a scam and that they are trying to get personal information or money from those who don't know better. They wouldn't give me hardly any details about why I was being sued except that I used my bank account for soliciting funds in which they claim I never repaid. I've never even used a instant cash type of loan. There were 3 charges he said I was being sued for. Ridiculous! Annoying!

They called me at working threatening to sue me because I had taken a loan out from them and never repaid it. They said they sent me numerous emails and when I told them I never heard about this they passed me over to someone else who basically said they were going to sue me.

I searched my emails the words insta and cash never appear together in any email. I don't see any of these emails that they are referring too. If they were going to sue they can suponea me at work or home or whatever. When I pressed for dollar amounts and details so I could look at bank records on the chance I missed something they gave a date the suite was filed and an amount in the 900 dollar range to pay for fees and what not. When I said I think your scamming me he said are you kidding me. I will have the police at my work on Wednesday with paper work and then they hung up. If they were legite they would send something besides email as far as I understand email is not a registered mailing service. I am pretty sure this is a scam, I think they got my information when I was in trouble and needed a pay day loan. They won't work with you as soon as you press for details they hang up. I don't even see an pay day loan company called Insta Cash on the web.

I have been recieving several threaten phone calls from personnel of varying names with thick accents who claim that I have recieved a payday loan from their company which I have never recieved and that they are charging me federally with theft, fraud, misreprentation and that they will be sending people to my home which varies each time. the last time i spoke to and individual who was yelling at me telling me i was an idoit becuase i could not understand their afidavide that he was reading.

they have much of my personal information but will not give me any kind of dollar amount or information as to when this supposed case date is where the charges have been filed or when i supposedly recieved this information. As I am Active Duty in the US Air Force payday loan companies cannot loan to me due to the extremely high interest rates. is there anyway to get the harrasament to end and any ifnormation on when they will leave me alone?

I received several calls stating that if I did not pay, I would be subpoenaed into the courthouse and arrested for fraud, money racketeering, wire-transfer fraud and several other charges because I did not pay off my payday loan on time. They told me to wire the money via Western Union to a company name and telephone number they gave me.

I got a call from some foreign guy saying he was from some law firm, stating that InstaCash had a lawsuit against me for not repaying a loan -- that I would be prosecuted and arrested; and if found guilty, I would have to pay over 180-200 thousand dollars for my bail, and all court costs as well as their court costs. Then I told them that if they didn't quit calling me, I was calling the FBI. They then got hostile and said that if I threatened them, I would be arrested for threats to a law agency.

I knew this was all false because my mother works for a bankruptcy lawyer; and she states that you cannot get arrested and put in jail for unpaid debt, not even get sued and go to court. I never did business with this company; and this is just proof that your information is never safe, regardless the situation. One note I knew this was false was, they had everything correct but for 2 out-of-the-blue people I didn't know as my references; and the bank account they had, I just closed a month ago. So, everyone, beware of this scam. I already reported it to the FBI's IC3 site.

InstaCash is a fraud company; and these guys, who are calling you over the phone, are from India because one of my cousins who stayed in India worked for this company. They get all our details from hacking the computer system. So, I urge all the people of America not to fall for this crap because these guys are nothing but a bunch of losers.

They called and left a threatening message at my work. When I called back, they told me that I was being sued by Insta Cash for $8,000 + which I owed for fraudulently accepting money and not paying it back. Although I had inquired for payday loans, I never accepted or received any money. They asked if I was a criminal as this violates any probation, etc. When I told them that I knew they were scamming me, they got annoyed and told me that they would see me at my house, when I got served tomorrow and then in court, where I would see who scammed who. What the heck is going on here? It's so o scary. I pay my bills and am an upstanding citizen. I don't understand how they can do this.

On January 25, 2011 at 11:07am, a phone call voice mail message was received from Victor ** of the Federal Legislation of Customer Affairs & Business Regulation. He advised that my information came through from credit bureau reports against my social security number from headquarters and that I can be fired from my job. The next attempt to contact me will be to my supervisor. He further asked that I call the number back (**) ASAP.

I called the number back at 11:13am. The voice mail box was full. After making numerous attempts back to back, I finally got through and I spoke with ** at 11:41am. He read me my legal rights and affidavit. He asked me that I do not interrupt him and first let him explain everything to me. He also stated his company is a law office representing a company / client called Instant Cash USA. They've given me funds in the amount of $413.22. Instant Cash made many attempts to get the funds back and was unsuccessful.

I explained to ** that I did not receive such funds, and I do not know any company called Instant Cash USA. ** stated I'm a criminal and why should he talk with me. I asked ** the exact date I received these funds in the amount of $413.22. ** continued to tell me he does not know and he does not have a date. He continued stating he will have supporting documents to send to my job and will also have people in place to show up at my job to arrest me. ** further continued stating that I'm a criminal and I will be subpoenaed to the state of California to show in court. I told *** this is crap and his full of **. ** said (his exact words verbatim), "You're full of **, and I will sue your ** for $4,000.00." He hung up on me.

I called back. I talked with another man who answered the line. I didn't get another name, so I assumed this was **. Again, I asked for the date I purportedly received this payday loan. I explained again that no such funds were received. I talked with my bank Chase, and there's no such payday loan deposit. ** said I need to show up on court with my bank to California. I asked when the court date is, so I can show up to court in California. (I'm bluffing at this point to gain more information.) He told me to wait for my subpoena. ** also stated he will send documents to my job, and my job will show up in court too. He told me to get my attorneys ready, etc.... I continued asking numerous questions to this **, and then he hung up on me once again.

A John ** called my best friend in Oklahoma on December 10th, stating he works with the Bureau of Investigation of Internet Fraud. He stated that I took out a loan and that my friend was a co-signer and we are in trouble and going to federal prison for our crimes of federal bank fraud, check fraud, and theft by deception. I never took out a loan. I called this number 646-571-4563 and was told my case was going to trial so I had to speak to a Janet **. She stated I took a loan out in July for $300 and because I used my two friends for referrals, they too are being implicated and all three of us are going to federal prison for our crimes. They stated they tried to withdraw funds from my account and now with attorney's fees and I owe $5,484.87 from a $300 default.

These people prey on fear. Do not fall for this fraud. Even if you took a loan, you wouldn't go to the federal prison. In some states, they can garnish wages, but most Payday loans just write off the loss. Do not fall for their tactics; they are offshore like India or even Pakistan. They can't hurt you, but they harass and want you to fall into their trap by giving money out of fear. People are falling for this scam, people are sending money and their accounts are losing money because this offshore company received our information through online pay loan application. Now that is scary and makes you never to want an online loan again.

I filed an on line complaint with the FTC. This is against the FDCPA. They cannot harass people and curse at them to recover fines. I called the FCC, too. I also reported them to **. Call your local law office and the FBI; maybe soon they will see these people are making money off fear. I also called a local attorney, but I realized these people are offshore and you will not get any money for your pain and suffering. Forget it. Don't answer the phone and all they can do is to keep calling. Keep reporting them and maybe if enough of us do, they will get shut down for preying on Americans.

On 12/10/10, I received a phone call on my work number stating that I was being sued for check fraud and other interstate banking fraud charges. The man that called stated he was reading 3 charges filed against me and he was calling from the CA District Attorney's Office. He was stating that I borrowed money from InstaCash and that I was going to go to court and have to pay back $8500. In addition, he told me that an investigator would show up at my residence because he had my address and I would be taken to court and needed to have an attorney. I asked him why I had not received any notification of this in my mail. He would not answer the question. He confirmed my name and had the last four of my SSN. I told him these were accusations and not truth, as I had never borrowed any monies. He stated that I received money via EFT and used my personal email, again, the information in which he had. I told him that I would hire an attorney and fight these charges. He hung up on me. The phone number he called from was ****.

I was contacted by this person. I didn't answer the phone because I was sleeping. They did however leave a message which I couldn't understand. It basically stated that I should call this number regarding an urgent matter and if I didn't call back he said good luck as the matter unfolds on me. I called them back and I talked to Micheal **. He informed me that I took a payday loan from Insta Cash and I never paid it back. I told him I never heard of Insta Cash and he informed me that they were the main party and that I could have gotten the loan from another web site.

I asked him the name of the other web site and he couldn't tell me. I asked him the name of the place he worked for and he said State Attorney Services. He informed me that an investigation team was coming to my house on Monday and that I better be ready to go to the courthouse. I told him I want to look into this myself. I then found this website and everybody on it was talking about the same thing that happened to me. I then decided to call this Micheal ** back because I forgot to ask when I supposedly received this payday loan. So I called him back and he said that I got this payday loan in May, which is impossible because I never got a payday loan in May. He also stated that the amount of the payday loan was $400.00 and originally the first time I talked to him he said the amount of the loan was $500. I told him about that and then he said, oh, yeah, the amount is $500; he said he didn't have the paperwork in front of him.

He then asked me if he could call me back in 10-15 minutes to discuss this. He also stated that the investigative team was coming on Friday and I said to him that he told me they where coming on Monday. Now what day are they coming and he hung up on me.

I called the number back right away and I asked to talk to Micheal and the guy I talked to said Micheal left for the day. I told him that I just talked to Michael a couple seconds ago did he leave that quick. The man informed me that Micheal left 10 minutes ago and I said that impossible because I just talked to him. The person that I talked to this time informed me that criminal charges are being filed against me.

I told him that according to FTC regulations that they cannot threaten me with criminal charges because they cannot file criminal charges against me, only civil charges as far as payday loans go even if this was a legit matter. So that person also hung up on me. I immediately called back again because now I'm getting mad because they keep hanging up on me. I talked to someone else this time and told them my name. I was told to stop calling them and then that person hung up on me also. This sounds like one big scam. All the people I talked to had accents but they also had my info. I told them I have all my bank statements and there isn't a single payday loan on my account for May or any month around that time. I'll be sitting here waiting for the so-called Investigation Team tomorrow or Monday. When they don't come I'm going to call this company up again and ask where the Investigation team is and why they didn't show up and I'll see if they hang up on me again.

Oh, yeah, the second guy I talked to said the investigation team will be with me for a week, so I asked him why they will be with me for a week and he stated that they will be investigating me. So I asked him what they will be investigating for a week and he said stuff about me, whatever that means. Sounds like a bunch of crap to me. Why can't something be done about this type of stuff? This whole incident at first had me worried and wondering. After I read this what other people had to say on this website and after I got hung up on 3 times, I got mad because I don't like it when people try to scam me. I work hard for my money and I don't like it when people try to scam me out of it.

I received a phone call today from a phone number ****. They claimed it was a lawyer for InstaCash. I was being charged with fraud. This was the first time I heard of this. They have caused my nerves to be really upset. They have taken money out of my account and said I have failed to pay on a payday loan. Today is the first time I've heard of it and the court is supposed to be tomorrow in California. I have been a nervous wreck all day. I have not been able to eat. I am in fear right now.

I received a call from an Asian lady claiming to be in a law firm for Instacash saying that I need to pay them almost $1000 for a loan that I applied for. She says I need to pay this entire amount by the 1st of the month. I did take a loan from Payday loans and they are talking about pressing criminal charges against me because that amount has not been paid back yet.

My main question is, can they legally take me to court and press charges against me due to the fact I have taken this loan? Is this really an attorney? Why can't I hire a lawyer of my own (at least that's what she said)? Do I have to pay this entire amount (which is almost my whole check, so I can't pay my own rent, car payment, etc...)? Why can't I speak with the loan company and work out some payment options so I don't have to pay 1 lump sum?

I received a call stating that I had taken a payday loan out. The message said that I was to be served with papers and be taken to jail in front of my office and co-workers on Monday morning unless I agreed to settle out of court or risk being charged $8,000.00. I immediately called back this company because I had taken some payday loans out for vacation in July and paid them all back. They wouldn't supply any information to me. When I inquired further, they hung up on me so I called back. I found out that they had my bank account and the last four digits of my Social Security number. I am concerned, but after reading all of these complaints against them, I doubt if they can do anything.

I got a call today 11/8/10 at my job stating that I owe Insta Cash over 900 dollars and that a lawsuit was pending against me, for check fraud and a whole lot more that I could not understand. She said that if I'm convicted, I could go to jail or lose my job, plus have to pay back over $8000 dollars. I could barely understand most of the things she was saying to me, let alone get her name. I do know that this woman upset me very much, like I said she called my job. Oh, plus she read off 3 different ss#.

Man threatened me.

I keep getting harassing phone calls both at work and on my cell from this guy who says he's calling on behalf of InstaCash and that I received a loan from them. I have never even heard of a company called InstaCash nor have I had any dealings with them. I have asked what's the name of the company or bank that has given me this alleged loan and he says he doesn't know. They represent over 500 companies, which made me suspicious and so I started doing some research online. I have checked with my bank and the only deposits I have, have been from my employer or other accounts with my name, but they do know the last 4 digits of my checking account.

Also, the representative Alan ***, who keeps calling me, threatens me by saying they are going to sue me for fraud and writing bad checks but I haven't written any checks to them or anyone other company from that account. They are also threatening to try and get me fired from my job if I don't give them anything. Last time I spoke with Alan ***, I told him to have the company to go ahead and do what they have to do and my attorneys would go from there. However, they continue to harass me and just tell me a new date of when they are going to proceed with their alleged court filings. They continue to harass me at work and now management has asked me what this is all in regards to.

I received a call from a man calling himself Jeremy from the Four State Law Office. He informed me that Insta Cash was bringing a lawsuit against me for a $300 loan that I had supposedly taken out and had failed to repay. I informed him that I had never heard of his company or Insta Cash. I have checked with my bank and never received a deposit from Insta Cash or have they ever tried to withdraw money from my account.

Every few months I receive a phone call from someone claiming that I owe money for one of those cash advance type loans. They threaten to "drag me to a courthouse" and arrest me. They have called my cell phone and my work phone. I do not owe any money to anyone and I do not know what these people are after. They seem to be trying to get me to give them information. They will not give me any legitimate contact information. I am being harassed by these people and I do not know why. Any advice on how to get them to stop calling?

I have received various phone calls from scammers claiming I borrowed money online and failed to pay. One day, they are "Internet crime officers", then "US federal internet crime investigators", now they are "Officers with the Texas state attorney". They have eastern world accents which I suspect are tied with al-Qaeda and trying to generate money for their terrorist groups. I do not believe our friendly India country would allow this. The main caller goes by the name Don Smith but come on, he can barely speak English.

I applied for a loan online and they supposedly sent it to 10 lenders. They are all owned by a Florida based company. The caller calls the referenced contacts which unfortunately are my children and scares them by telling them that I have committed a serious crime and will be arrested. They are careful not to mention money but this what they are after. They will scare you into offering them money to avoid being arrested.

They are fake because they keep changing their names. Any law person would know that when you default on a loan, you can be sued but not arrested. Also they cannot contact your employer, or keep calling your references and telling them you will be arrested. I got the guy mad and he ** at me on the phone, like government employees would do that or even a real loan agency.

I have filed a complaint against the company with the Florida attorney generals office. I have also filed a report with the F.B.I. Internet Fraud Division. No one has yet contacted me. We need more protection from these people.

Today, I received a phone call from a guy called Eric who pretend to work in a collection agency and law firm. He told me that I have to pay 300 dollars because Cash USA lend me some money into my account, and according to him they tried to call me in numerous times. I applied for cash advance but Cash USA declined me.

Today a guy with an Asian or even an Indian accent tried to scare me, telling me that they are going to sue me if i don't pay the 300 dollars, and the result of the law suit would cost me 7000 dollars and I have 3 hours to pay. If I don't pay, they are going to speed up the law suit process. I went to Bank of America and asked them if I received any deposit into this account, I closed in July. In October, according to this company, the account cannot receive any money after closed, so I think this is a scam but I want to tell everyone to be aware of this kind of practices from Cash USA and affiliates. They called me from phone number **.

I received a phone call from this attorney's office stating that they were representing Insta Cash and that I owed a loan and had to pay $8000 by the end of the day or I would be arrested for bank fraud and a couple of other things. I never applied for a loan and when I requested a copy of the documents, they told me I had to pay $200. I had an attorney call them and they could not provide any information about this loan. I also contacted an attorney and the attorney general's office and was told that I could not be arrested, but I am still anxious. I am unable to sleep or perform my duties at work.

I received a call at work from a person named Jean ** at 4:05PM asking if I had an attorney. I asked who this was and she started asking me if I had a checking account with Wells Fargo. I did not answer her. I was then given a phone number **. I called and reached some man named Ashley. I tried asking from which company they represented and they said Insta Cash/California. I could not get any other information other than you owe them $825.97 for a lost account closed on June 19, 2010.

I never received any money from this company and they could not give me a telephone number to call the merchant directly. In addition, they stated I was going to be charged $8,000.00 additional attorney fees because they were going to take me to court. I also asked for documentation for this deposit because I had not found one from Insta Cash nor could they give me an account number from Insta Cash on the day this $300.00 was deposited into my account. I have found several cash advance withdrawals from three other companies in my checking account and had the stop payment on all three.

This company has called me at work two times and this last time, I asked them to send me documentation and they declined. I am willing to make restitution if I owe these funds. But I have never received any money from Insta Cash. My employer had asked me what was going on and that these types of issues would not be tolerated in the workplace.

I was called on 08/20/10 by these people and the story is the same. I have a payday loan and it is in good standing. These people had a very thick accent and I told them I could not understand them and knew they were calling from another country. I asked the same questions and the same responses. I asked for the company I am to owe the funds to, they yelled and said they could not tell me or the date or exact amount. They called me at work and left a message at my home. When the woman read the complaint and my "rights" she told me not to interrupt her. When she was done, I told her I could not understand a word she said.

I want in on any legal action to be taken against these people. This is harassment and if my employer is notified, I will go ballistic. I do plan on telling my employer on Monday as I want them to know if anything should happen.

I was sitting at home as I am a double amputee, when I received a call from an Andy with the Anderson Law Firm stating that my bank had refused the collection of $300 that I supposedly borrowed from them. Then he proceeded to tell me of three major felony charges against me and that in order to clear it up I need to pay this firm $6K. After I hung up on him, I immediately called my bank and they have no record of such transaction. I went through my statements back to 4/21/2010 and there were no transactions. I tried calling him back and he was full of argument, until I informed him of turning his name and number over to the FBI. These charges that he talk about are major felonies and I would be wanted by the FBI. As far as my info goes, well you apply for one Payday loan and they all have the info. The US government does not turn over major felony cases to the private sector. And I was also informed that they would embarrass me at work. LOL What work? BTW, the ***.com, the domain is for sale.

I received a call from a gentleman stating that I needed to meet him on the Court House Steps tomorrow morning because I was being sued for $800 on a Payday Loan from Insta Cash. I knew right away that this was a lie! He began yelling at me, stating that I now owe $8000.00 in attorney's fees and that if I didn't show up to the court house, that this attorney's office was going to show up at my home and take me away. He continually yelled at me and when I became persistent that he was a scam artist, he yelled even louder and hung up on me.

I was able to get his phone # and when I called back, another man answered and said that if I didn't pay them $8000.00 that they would show up at my house on Friday, 8/20/10. He grew angry when I repeatedly told him that I never received a deposit from Insta Cash. He became very angry, scream at me and hung up the phone. I immediately called the BBB and they told me that this is a scam, that is very wide spread right now. They advised me to call my local police department and inform them that someone may try to show up at my house tomorrow.

An Asian speaking man named Frank *** representing himself as a New York Sheriff called my job. He told my co-worker "I better come to court on Monday. (8/9/10) as I was being sued." On 8/17/10, he again called me at my job. Again he told me his name was Frank *** a New York Sheriff and I was going to be arrested for fraud. He stated "You owe Advance Cash USA $300 for a loan taken 9/09. You never paid the loan back so we are going to arrest you." He insisted he was going to speak to my manager. He was going to tell them that I committed "Fraud." So I looked up Advance Cash USA and called them in Miami, Florida. They do not have anything on record from me. They also informed me they are aware of these two Asian men calling people using their company name. They however did not seemed very concerned. The conversation was very matter-of-fact.

This person has been blowing up my cell phone saying that I owe them $700 and something dollars and when I asked him when did I first take the loan out he claims almost 2 years ago but after that time I have filed bankruptcy Chapter 13 and all my Payday loans were included but a lot of times these places change there names to something else. Anyway they have been harassing me at my job also saying that they are going to have me arrested if I don't pay.

I had this happen a while ago; it's the same thing, threatening me with police arrest if I don't pay them today. They won't give me a legitimate name of a payday loan company nor a date or written confirmation. They just threaten me and yell that I am a scammer. I had my attorney call the last time and they hung up. This call from Harry even sounds like the same guy but with a different number. I need help. I can't lose my job over a scammer threatening me or harassing me at work. I can get reprimanded or fired if they keep calling me at work. They are being dishonest and will not stop calling and calling and threatening me.

These guys called my work 8-6-2010 and told my boss they were going to arrest me on fraud charges. My boss called me at home and gave me the number to call them back. I called and this so called trooper Shawn ** threatened me and then transferred me to Austin **. Both guys have thick foreign accents and you can hardly understand them. I was then told they had my SS# and had been watching my residence and would come arrest me if I did not agree to pay 2 transactions with my debit card. Like a moron, without checking anything, I faxed them my debit card # and a letter of apology for not paying back a payday loan. I called the company, Cashnet, and found my account to have been paid in full.

I immediately canceled my debit card before any money could be drawn on it, which is supposed to take place 8-16 and 9-1 2010. I then went on the internet and found this site with all the same complaints. These guys have my SS# and have invaded my privacy and threatened me numerous times with arrest at my home and spying on my house. I think someone at Cashnet is supplying them with SS#'s. They lied to my boss about fraud charges against me and they have my Social Security number. I want something done about this so they cannot do it to other innocent people! Thank you.

On 08/9/10, I received a call @10:41am saying Jason ** was an attorney for Advance Cash USA and that I owe $300+ fees for a payday loan they have been unable to collect on. The man had a very strong Indian accent and would not allow me to ask any questions. I have taken out payday loans in the past but none with this company and they are all being paid on a regular basis. He did however have my information. He threatened to call my employer and to press charges against me. Please advice.

This person keeps calling me and threatening me with federal arrest for interstate fraud and such. When I asked for verification of what this is all about, I get nothing. He states that they emailed all the information but I get 30-40 emails a day and have never gotten one from this company. I never had a loan with this company. They told me that the police would be at my door to arrest me and take me to federal prison tomorrow morning. This was several months ago. I checked with my local police department and they said that it was a scam and the phone number for them would be gone by the time they checked it out.

They call my house every day, telling me that I owe money to CashAmerica and that a law suit is being file against me if i do not pay. They have stolen all my information from online, I know this is a fraud. I hope that you can stop these people from harassing me. I do not owe this company. They will not give an address, just what state they are in. I have terrible headaches, my blood pressure goes every time I talk to them. They are very hard to understand. They are all from the Middle East. They are stressing me out. I do not want to answer the anymore.

I have been constantly calling regarding a debt (a payday loan) that I did not create. This person that calls is clearly not American and has harassed me constantly at my place of business and also told anyone who would listen his reason for calling. He calls back to back and if I did try to talk to him, he over talks me because I am trying to find out what company gave him my information to which he will not reveal. I have not received any monies or payday loans from anyone. Although I did make an application through ACE, I was denied.

The "gentleman" is rude and belligerent and has threatened to have the police come and pick me up at work. I do not know what to do to stop these calls. I have filed complaints with the FTC, FCC and the Do Not Call Registry on my personal cell phone. What has resulted is that the harassing phone calls have disrupted my place of business and made me a nervous wreck each time I have to answer a "community" phone line to handle my company's business.

A Sgt. ** and Jack ** called me at work. They knew my social security number, address, place of employment, and my email. They said that I had an outstanding loan, and that they were going to file a lawsuit the next day, if I didn't pay them $488.00 immediately. It was very hard to understand them. They had a thick Middle Eastern accent.

They were very intimidating, and I was scared, so I sent them authorization to debit my checking account. Later, I found out that they were not representing the outstanding loan I had, in fact my loan was already paid in full. When i contacted Jack ** again, he just kept saying that the paperwork was in the mail, and gave me another phone number to call, 760-514-0143, of course, no one answered at this number! Unfortunately, I did authorize them the transaction, and cannot file a claim with my bank, but I hope to make people aware of this scam, so they do not fall victim to this horrible crime.

I do not have an extra $488.00. I am having a difficult time paying by bills as it is, and this created a hardship for my family, not to mention the mental stress caused, thinking I owed this money, and the phone calls at my job. It was embarrassing to think, I had let a loan get so far behind, that they were threatening lawsuit, but now to think I fell for a scam. This needs to be stopped before anyone else has to go through this.

This person called me and told me that I borrowed money from some pay day loan place and never paid it back. I assured him that I had done no such thing. He then proceeded to "brief" me in my case. He let me know that I was going to be sued for check fraud and 2 other things. He asked me if I was on probation or parole. I assured him that I'm only 20 and don't have a criminal record not even a speeding ticket. I told me that was too bad because Monday morning I was going to jail and that I would need to make arrangements to get a hold of 10,000.00 because after legal fees and all that's what I was going to owe. He also told me that I needed to go tell my employer what I had done and that I was going to jail.

I informed him, I had a small personal loan and a pay day loan that was drawn directly from my bank account. I didn't owe them any money. I finally got his phone number and told him I was calling my attorney, I would call him back. I was so scared. I called the local loan office to see if the girls could see my credit report and if there was anything on there from InstaCash. She assured me it wasn't there and that she had never heard of it. He told me the sheriff would be at my home on Monday morning with a summons.

I did not do this! I never received money from this company! I hope they were just trying to get my bank account numbers or something. I don't want to have to go to court over something that is totally false. Is there anything I can do? And when they call, they call my cell and my caller ID on my blackberry just says 0000 when the phone rings.

I received a call today from a man with a very heavy Middle Eastern accent who got on the phone and said you are being taken to court on criminal charges on Monday. I asked him, ''What are you talking about I have never received anything from anyone about this and who are you?'' He said that Insta cash deposited a pay loan into my account and they had proof and now I was being charged for fraudulent. I told this man that I have never received any deposit for any cash advance.

He told me that I was lying and that I was going to be picked up at my job and taken to jail on Monday. This call came in on Friday morning. He proceeded to tell me my home address, SS#, email address, etc and asked if this was me. I said yes but I still never received anything. He kept talking fast and would not let me say a word he was very rude and disrespectful when I told him that I could prove that I never received anything by getting my bank statements. He said that they were not valid because they could be changed.

I kept telling him that I never received any money and never received any notification from anyone about this prior to this phone call. He just kept saying you're going to jail and you will be picked up on Monday from your job to go to court and we will win. He then put me on hold and then transferred me to another man who then transferred me to a woman who I explained again that I never received any money. She told me that she would work with me if I was willing to make a $994.36 payment within the next 30 min otherwise it would be turned over to the court and I would have to go to jail until all fees were paid off which she indicated was over 8k-.

She gave me word for word what to write on a letter that needed to be faxed to her within the next 30 min which would also include my account information so that the money could be withdrawn. She said that the letter would need to be notarized but it would be okay for me to fax it first and then said the notarized one later. I told her I would need to speak to my husband and she kept saying I didn't have much time. I contacted my husband who advised me to go to our court house to check if I was scheduled for any court date since she and the man I spoke to stated that I was to be at court on Monday. The court house checked and nothing was found I explained to the criminal clerk what happened and she referred me to the police station to make a report she said it sounded like a scam.

I reported this to the police and did not provide any documents to them as they had asked me to do within 30 min the police officer said they are familiar with this scam calling people saying they owed money. He showed me numerous blogs on this company First State Svc Law Office who claimed to be calling for Instacash who was taking me to court. He also said not to take any of their calls. These people called me about 12 times after our last conversation where my husband spoke to them and told them that no money had been deposited and to go ahead and file in court.

The women got very aggressive and disrespectful and changed what had originally been said that I was already going to court on Monday to they were going to file on Monday. This is ridiculous! I did apply on line for a cash advance but did not accept any offer. I was bombarded by many calls with offers and approvals from different people but again I decline everything and no money was ever deposited. I would definitely know if money had been deposited especially if I was in need of it but no money was ever deposited by Instacash or anyone else into my account.

I am sick with fear wondering what will happen on Monday. Since I was told that I would be picked up at my job and arrested and that my employer would be notified of the so call criminal charges that are false! The police told me not to worry about them and have a good night but it's hard to forget. This is ridiculous! How people make a living on trying to scam decent people? Lesson learned for me is I will never apply for anything on line ever again, you never know who picks up your information off these different sites. I'm hoping the police officer is correct so I can stop worrying about these people.

I received four calls, back to back, on 7/29/10 from ** which is a California number. There were two messages left by a man with an Indian or Middle Eastern accent, whose name sounded like "Ashley". He instructed me (it sounded like he was yelling) to call ** immediately with my attorney's information. I've seen information about these types of scams, but I decided to return the call and see what he wanted. When I returned the call, it was answered by what sounded like the same man who left the messages. He gave me no information about what company he was calling from. He only told me that he was calling on behalf of a company called "Insta-Cash", which I have never heard of.

He explained that I owed them money (he did not disclose an amount nor did he ask me to pay what I, supposedly, owed) and told me that I had a lawsuit pending against me and that I needed to provide him with the name of my attorney. I explained that I have never done business with "Insta-Cash" nor have I ever received anything in writing regarding money owed to them or a lawsuit. He said that I was sent "16 emails" regarding this matter. He had my email address, my home address and part of my social security number. I have never received any emails from "Insta-Cash" or any company representing them, regarding a lawsuit.

This man then threatened me by saying that someone would be coming to my home to pick me up and take me to court. I told the man that unless he could provide me with written documentation, I would not be discussing the issue with him further. There have been no consequences at this time and I hope there are none. From what I have seen on this website and others, I am not the only person who has been harassed by these people. My issue is that this person has personal information about me and if they can call me and threaten me, then it leaves me concerned about what they are capable of doing with that information.

I was contacted by a person that said they were from an attorneys office and I was being charged with three criminal counts: check fraud, violation of federal banking laws, and theft with deception. I received a call on 7/27/2010 from a man that had a Indian accent like he was middle eastern or something. He said that he wanted to read me an affidavit and before he started, he read me all my sensitive information like social security number, etc. and stated that he would like to read it without interruption and after he was finished i could ask questions; and that I was going to have to pay $8484 in fees and charges. But I could settle for $848.51 out of court. He said that the conversation would be downloaded and presented in court in two days making it Thursday the 29 th at 11:30am. I was nervous and scared a lot until I read all the other posting regarding the matter. But it seems like this is just another company trying to make a quick buck off of honest people.

His name was Alex *** and he had a foreign country and worked for a law firm in CA.I was being sued and would be arrested on Wed. 28th at my job. I would not be able to work for any company in the USA.That I had taken out a loan with Cash USA, then said it was Quick cash. Then he said it was instant Cash USA and that I owed $ 6000. I told him I didn't have that kind of money and I didn't owe any of these company any money. I told him I would get back with him after I spoke with my bank.

He said "I didn't have time," and that was filing a lawsuit now but if I could hold on, he would check with company to see if they would accept ant less. He came back and told me if I could pay $ 450 right now within 15 min.and fax him a signed document with my credit card and number exp.date and 3 digit PIN and to also state that i would not dispute this amount in his name and that I would only have to pay $ 450 and not go to jail and lose my job.Thank God. I called my bank to see if I ever took out a loan with any of these company.

I have now been contacted for a third time regarding the same problem from Instant Cash USA. This time its from Annie ** which I have a hard time believing that's her real name because she is Asian and I could not understand much of what she was saying. Each time I have received a call, they say the same thing but I cannot get them to answer how I can resolve this issue but that I am going to be sued immediately. Each phone call is from a different person although each one is Asian, and are from different companies. The first was from a so-called law firm, the second was from some random company and now this lady says she is from the Bureau of Criminal Identification. I don't know what to do. I'm just so frustrated as to how to resolve this.

I had applied for a loan on-line, handled it appropriately and then my email and cell phone has been bombarded with calls from a John Henry stating I am going to be investigated by their investigation team and that I will be taken to the court house to plea my case. When I told him it was a fraud/scam he got mad and asked me if he has asked for any money. I told him no and he continued to tell me about what was going to happen to me. I told him I wanted to know what company he was representing. He couldn't tell me.

He said Insta Cash represented 400+ payday loan companies. I told him I didn't owe on any loans and he claimed otherwise but couldn't tell me who until I verified information. I refused to do that and he threatened with his investigation team coming to my home. I told him to send the crew. I would be happy to meet them.

I started receiving phone calls from this lawyers office representing InstaCashUSA saying that I owed them from a Payday loan that I took out in the amount of $300 and they tried to take it out of my account through BAC on 1-10-2010 (which they didn't). Now I owe $1645 and they know where I work, my son's name and if I don't pay them $1045 in 3 installments they will send it to court in California; plus they wanted me to fax a document with my credit card #, social security #, and my license by 9:00 tomorrow morning, or they will send this matter to the courts in California. I saw a whole bunch of other complaints about this company, so I think I will notify the local FBI office here in PA to see what can be done about this.

I received a phone call from this number over the past 6 months, claiming that I owe a Payday Loan to InstaCash from one of its sites. I called the number back and an Indian voiced person answered as Kevin **. I asked what company he was with and how they got my information, he provide basic information and an amount. When I questioned Kevin for more information, he would not provide it. I asked for Daniel ** (message leaver also with Indian accent), he too would not provide any more information about it. He then told me that If I wanted the information, I would have to come to court on Monday to get it. He would not provide what court or what county he would be at. I asked for a case number and one was provided, but I have checked with my courthouse and the case was not valid at least in my county.

When I called back again, Kevin answered and again, would not provide any more information on the court date and time. I was furthermore told that a judge from California would be coming to Texas to sit on a court room to arraign all parties in question. I did a phone search for the company making the claims and there is no listed company nor number in California for such a law group. I feel that this is a scam or fraud by hackers that have used the stolen information to commit fraud.

A few days ago, I received a call from an officer Michael ** with the United Nations and was told that I was being sued by Insta Cash for fraud and stealing money. I was in shock. He asked me about my social security and my bank information, and proceeded to threaten me about my life and my job and if I didn't resolve this issue that my local sheriff would come to my place of employment and arrest me. I told this man that I couldn't understand him because it was broken English and then I told him that I wanted to see all this information on paper, that he was to send me all this mess in writing.

He tells me that he would download this information, but need my attorney's name and number. I was still in shock at this point and he hung up on me. A few days after that, he calls me back and leaves me this mean and nasty voice mail telling me that if I do not resolve this issue and if I have children, they will be taken away from me, and that I will lose all that I have and own including my life. I was scared at this point. I made a few calls and found out that I'm not the only one who has been through this. I called my bank and we had seen where they were taking out $199 here and $29.99 there. We put a stop to it and I have proof. They still call me threatening me but I haven't seen my local police yet(!) or any paper work on this!

On 5/14/10 I applied for an internet loan. The process took awhile; apparently, I hit a button and another offer came up. I followed through with that lender and received monies and have since paid it off. However, today I received a phone call from a supposed law firm stating I was a suspect in a fraud claim. I advised them I never followed through by signing documents from Insta Cash. The very hard to understand rep was rude and not forthcoming with any information. She said I was on an affidavit and would be going to court on Monday 7/12/10. She also mentioned I could lose my job. I am in the process of printing all my bank statements and trying to locate a lawyer. This website was a relief to see.

I received a call on Tuesday the 29th of June, 2010. This person left a message for me, saying his name was Officer Mike **. I returned the call right away when I got home. It didn't seem right when I questioned what company he was calling on behalf of. When he said it was Cash USA, I told him that I did not owe money to them. I do not remember the entire conversation word for word because the call was a little unsettling to me. At one point, the man told me to shut up and not say a word until he read off his script about how there was a Federal complaint filed against me by Cash USA. He told me that I was going to be arrested for check and banking fraud and I needed to decide if I was going to settle this in or out of court.

If they tried to take money from my account, they would not have been successful. I am not able to keep any large amounts in my account right now. Their EFT would not have cleared. When I said out of court, he then tried to arrange a payback time and schedule for me. He said he had to record a statement from me saying that I was going to try to pay it back in a week's time. He was very pushy. He also said that I would be called at work. Prior to calling my number, he had also called my son-in-law's number because he is listed as a reference for me.

I do not owe this company any payday advance monies. I did fill out an application at one time and when I received the loan offer, I declined because of the included statement about trial membership fees. I was supposed to call the man back on Friday but I did not. I will wait and see if he calls again. Right now, there has been no after effect. However, the knowledge that someone unknown to me might have my bank account information shakes me up a bit. I am somewhat relieved to have found these prior complaints. It gives me some ammunition for the next call.

On 7-03-2010, I was just contacted by what sounded like an Indian person and was told that I was being charged with check fraud, violation of federal regulation, and theft by deception. They claimed that in January of 2010 they gave me a payday loan of $300.00. They also told me that my employer would be contacted and a sheriff sent out to get me. I have just gone through all of my banking statements thinking somehow I missed this. I did not. There was no deposit by this company at any point in time and I have no idea what to do as I cannot find anything about them online. If these people contacted my employer I will lose my job. Worse than that, I am completely consumed by this right now because I do not know what to do.

On June 28, 2010, I was contacted by voicemail on my cell by a Sam ** from United Attorneys in California. He informed me that I was to call him right away in regards to a very important matter that I or my attorney was to call him. If I or my attorney of record did not call, he wished me the best of luck as the situation unfolded.

I called back and asked for Mr. ** and was told that he was unavailable. I spoke with another person who sounded very much like Mr. **. I asked what the problem was that I needed an attorney. He said that I was being charged with computer fraud for requesting money from a payday loan company, which he would not tell which one that they tried to get their money from my bank account which kept claiming that I had insufficient funds. Yes, I did take a payday loan from Ace Payday Loans, which was placed in my account, and yes, that company has taken their payments from my account.

I was told by the person that a subpoena was going to be put out for my arrest and that I would have to pay court fees and attorney fees of over $8,000. If I didn't comply with their request, I would be arrested at work and my employer would be embarrassed and my fellow co-workers would know what kind of person I was. If this is a legitimate company, they are very unprofessional.

This has caused me to worry what is going to happen as I do not really know what is going on. I have changed my bank account numbers so as no one can get into my account at this time. It has caused my wife to be sick not knowing what is going to happen to her. I don't have the means to defend myself at this time.

I was contacted by telephone by a man with a very heavy accent mispronouncing my name. He claimed that I owed more than $8,000 to Insta Cash and that they would send the sheriff's office to arrest me for internet fraud, money laundering, theft, and other things I could not understand. I explained that I do not owe any money to Insta Cash and have never received any notice from them. He claimed Insta Cash mailed 16 e-mails to me and now that they (attorneys) were involved they could not supply me with the address or phone number of Insta Cash (I checked my e-mails and spam and have received no notice of any debt).

They said (they alternated between Kevin ** and Bryan **) I could avoid being arrested and criminally prosecuted by authorizing over $800 dollars immediately. I cannot find a way to contact Insta Cash directly-no phone number works. I e-mailed Insta Cash with no response. I strongly believe this is an internet scam and needs to be investigated as a class action suit. Who do I contact to protect my interests? I do not want to be arrested or sued. Please share any information you may have. Thank you.

I received a call from this company stating they were the Bureau of Criminal Investigation and that there was going to be a warrant out for my arrest. They stated that I violated federal laws in regards to an internet payday loan that was issued to me and that I did not pay back. I have contacted the company in which they claimed I owed the money to, and they advised me that there is an on-going investigation of fraudulent activity. This company has my social security number and bank account number along with my sister's phone numbers.

I received a threatening phone call at my work saying that I was getting criminal charges pressed against me for not paying back a payday loan from InstaCash. I never took out a loan from them. The only one I have is with Lakota Cash and it is on time with payments. I tried to talk nicely to the gentleman but he would not listen and did not want to tell me anything or send me any of the documentation.

I didn't sign anything with them. Also, I am with Bank of America and I see someone else with a Bank of America account had the same problem. I wonder if Bank of America is in on this with them. Not to mention, and not being ugly but the gentlemen did not speak good English at all. They called me at my work threatening legal action and when I hung up on them and told them not to harass me at work, they kept calling back and I kept hanging up on them. I finally sent it to voicemail and they told me they were calling my employer to get the money...or else!

I am very very upset about this. Not only am I being harassed at work, I have no money for an attorney to get them off my back, they have access to my bank account, my email and my work number. Not to mention, I don't want to get fired over something that I didn't do wrong. These people need to be stopped and if Bank of America is in on it, they need to be investigated as well.

I am receiving phone calls from this number at different hours of the day, as early as of 7:00 AM, and he is telling me that I will be sent to the Criminal Justice Department for failing to pay a payday advance loan for $300.00. I am told that if I failed to pay this amount. I will be handcuffed in front of my children, and will be prosecuted by the Department of Justice. They will not stop calling. Every time they call, the person's accent sounds of Indian descent. Please help me stop this type of harassment. I feel threatened my children are getting the calls, and they are telling my children that their mom could be arrested.

I received a hard to understand message on my phone on 6/25/2010, when I got off work (11:30 pm) and when I got to work on Monday (6/28). I was met by my supervisor and told to call Ashley ** as I was a "primary suspect in a crime". Needless to say, I tried to call immediately, only to find that you need an access code to make the call. I tried numerous times on my cell before finally getting through, only to find that they claimed I had an outstanding payday loan, which did not exist and to find that they would not let me speak, said they did not have to supply proof of the debt or that any loan was ever accepted, only told me to be quiet and pay or they would sue then.

They hung up on me. I called back this morning, was hung up on by Ashley again, redialed and asked for a supervisor, who said his name was Josh. I tried to explain the situation and advise them that their employee, both when speaking to me and especially when they spoke to my employer, did not follow FDCPA regulation, as required by law for the collection of any debt (whether or not it is disputed) by Federal Law. At which point he told me, that they did not have to follow FDCPA and hung up on me. This is a major scam and I wonder how many people have been taken to the cleaners by this company.

Twice this week, I received phone calls from a woman who spoke with a heavy accent who identified herself as Kate ** and she immediately transferred me to a man, again with a heavy accent, who proceeded to rake me over the coals regarding a "case just downloaded from my state" and that the charges were bank fraud, theft, money laundering, and many others and that my legal fees were now more than $8,000.

When I asked for more info, he screamed that if I did not cooperate, he would send his investigators to my home to arrest me and question me and that I had better have the more than $8,000 to hand over to them on arrival. He further informed me that he wanted the name of my attorney and if I did not have one or could not afford one, one would be provided.

This supposedly is based on a payday loan I took from Insta Cash and that when they attempted to withdraw the funds for repayment, the money was not there. He also told me that Insta Cash does not use their own name when making the bank transactions.

On this very same website, I have just read a number of complaints regarding the same issue. The phone number provided seems to be bogus and they refuse to give out the name of their firm. They claim to be attorneys but appear to not be of American lineage. One shocking revelation was that he knew my Social Security Number and that is scary.

Since this appears to be a scam, I fear my bank accounts will be tapped and drained by these perpetrators. I am semi-retired and live on a fixed income and this could be devastating.

Well, I supposedly took out an online payday loan, which I don't remember because I have way too much debit. So, they have been calling my job, which I have been out of work due to a mental illness and due to stress-related bills. Then they told me that they were very busy and had a warrant out for my arrest for check fraud because the bank closed my account due to me not being able to work. Now, I'm stressed even more and don't even know who the payday loan company was. What do I do? Should I get a payday loan attorney? Plus, they were going to call my job and tell them what's going on and that I was committing fraud. There was no fraud in it! I have stress and have an illness called lupus, which will get worse with my stress. Also, I have a mental disorder that will be affected by this.

I, like the other persons, received two voice mails on my work phone yesterday, 06-24-10. The individual was very rude in his tone. He stated that Insta Cash credited my checking account with money and that they attempted to take their fees and/or money due them but were rejected. I was also told that I was being brought up on charges to include federal wire fraud etc. This gentleman had an Indian accent I believe and also was very hard to understand. I asked him to slow down and repeat what he was saying, at which point he told me not to interrupt him. I have taken payday loans and currently am paying them off.

I feel this is a huge scam. I went through my checking account going back one year and don't see any credits from Insta Cash. These people had the last four digits of my social security #, but I understand that is very easy to get. When I asked for the number for Insta Cash, he would not give it to me. I myself have never received any emails or any other forms of communications through the USPS. This is very upsetting. I have notified my manager at work so they are aware of what is happening and they are not caught off guard if contacted. I also started a few applications on line for payday loans but never completed them. In each case the company did try to contact me about finishing the process.

Something needs to be done about this company. They are obviously ruining people's lives, reputation, and standing in their respective communities. If anyone can respond to my complaint who agrees, please do so. Life is tough enough in these bad economic times without these leaches trying to bring charges that bear no merit. I lose sleep over this. I feel that they need to be sued for the low life tactics and baseless claims that they are using.

I have had a very bad experience with a company called Insta Cash USA. They are trying to sue me for a loan that I have never received. I have seen many emails in regards to this. I am very scared. They say I have criminal allegations against me. They could not even give me the lender's name in which I supposed to have a $300.00 payday cash against. They said I have not made my payments. I do have a payday loan out there and I have been making my payments, so I am very scared and he called and threatened my job position. Please help, I do not know what to do.

I got a call saying that he had an affidavit for collateral check fraud and a couple of other things, because I never paid back a payday loan. I never received a loan from these people. He could not tell me the loan amount or the date I allegedly received it. He says I need a lawyer that charges are being brought against me and my mother, who I put as a reference and talked like I violated the Patriot Act or something.

I told him that I could produce bank statements to prove that I never received money from these people, but he told me that those aren't evidence because I could just fake them. He allegedly is sending someone to my office and my home to do something, I don't know what. I don't know what will come of this, but I called a criminal defense lawyer.

I received a call from an attorney's office on behalf of Insta Cash who said I was being sued for a loan I never repaid. I never received a loan from Insta Cash or any other online service. I did check into it but I did not like the terms for any of the loans. This is very upsetting for me but I won't pay back money I don't owe. I have been charged with several fees but I am not sure where they are from. I am going to close my accounts. I can't keep paying out money for nothing.

Paul ** left me a voicemail on my cell with caller ID **. I let it go to VM, and then not even one minute later, my work number rang and it's the same number on caller ID **. It was Bob ** calling from Financial Claims Department. I answered the call, but he would not give me the name of the company. Says he was calling on behalf of Claims File Department and the company was USA Fast Cash. They were a mother company of the company that needed to collect money from me. He read me an affidavit and kept repeating that this was a government recorded and safe line that 3 other people were listening to and that I was not to interrupt. He said this several times in the conversation. Violation of federal bank laws, collater of check fraud, tap by deception. He knew my social security number, my date of birth, my address and gave me an IP address which does not match my work or my home.

Then he gave me a date, 12/18/2009. He says it was an EFT check that I did not pay. I asked him if I could call my local sheriff department and see if they had a file against me. He said go ahead and call. I told him that I wanted to contact USA Fast Cash and asked him for the number and he said he did not have it. He said that he was not allowed to give out the information. That USA Fast Cash was a mother company to the company that was trying to collect on me. I told him that 3 weeks ago someone else contacted me and that they said the same thing but was calling for Quickcash.net. He told me that they were probably a fraud.

The more complaints I read, the more I was relieved to hear this is a complete scam. The scary part indeed is that this person knows my confidential information, such as my last 4 of my SSN, phone numbers and address which were obtained while reviewing "PayDay Loan" sites on the web. Apparently any application can be used to fuel this scam. Same type of complaint: this Vincent calls with a heavy Indian accent with static on the line while another phone calls my phone at the same time.

Apparently, a new person by the name of Christiano ** gets on the line and says I have a downloadable case against me and that he wished to speak to my lawyer to obtain $980.26 that I owe with a charge-off date of 1/15/2010. When probed for information, he changes his story or information at least five times and then hangs up. This is the second time in a month he has called. I've called this cell number several times this weekend reading him the Bible to fill up his voice mail. What a loser.

I notice weird numbers was calling my cell phone did not know who was so I didn't answers. So, I had voice mail I listen to them it was a man said he was Keith ** and man who said he was George. I just ignored it. Then I had phone call at work and man name George called me and he asks me if I had a lawyer and I ask him why? He said we can discuss it when u get off work I will call your cell. I didn't have a clue what this was about he was suppose to call at 4:35pm but, didn't call until 5:30pm.

I he went into detail to say that he was calling from United Federal Bank out of Los Angeles an upside collection agency that he was collection for Cash USA a loan that I had supposing got in 2009. And that he had charges against me and they had warrant for my arrest I am thrown in jail if I didn't settle with them right then in the amount of $700.00. I was so scared and terrified didn't know what to. I knew that I have not done anything and I did not take a loan out. He knew my social, date of birth, address and where I worked.

I received a call from this Anderson attorneys stating that I received monies from instantcashusa in January, and that I am being sued for non-repayment. I could not understand the person due to the heavy foreign accent, not sure if it was Asian, Indian, Iraq, Iran, but it was definitely not easy to understand. I asked to speak to someone who spoke better English due to not understanding, this "Jack **" stated that there was no one else there who speaks English. I then told him I didn't receive any money from them, there are no records of it in my bank account. This person then stated that a police officer will come to my house and to my work. He was nasty with me and said you took this money and didn't repay you will go before the judge and jury! He told me this several times!

I requested a paper statement to be sent to my home address stating what money is owed, for what, and to whom. The answer to this request was there were several emails sent regarding the matter. I told him I never received any email, I want a document sent to my home address. Again he stated there would be an email, I said no, I want a paper document sent. He then became mad and said the sheriff would be contacting me and arresting me. I then asked for his information: name, work number, name of company, and information on this so-called Instant Cash USA. He would not give me any of this information other than his name is Jack **, he was a deputy of the sheriff's office of Anderson attorneys at law and I got the phone number from my caller ID, but that is it. I've seen that several other people posted comments on this site with almost the exact same issues. The thing that really scares me is this person knows my ss number, bank, and home address and phone number!

I was contacted back in March or April asking for my lawyer's info, and like the others I couldn't understand a word that he hardly said. I have not taken a pay day loan out since November of 09 and I paid that back, but also like the other I got enrolled in some subscription thing that was charging me like $19.95 with some bogus check number. Now I just received a call from Andy ** saying that they were gonna have some officer serve me with papers and saying that it could cost me up to $8,000 and if I didn't call them back. He wished me luck in the courts.

My story is the same as everyone else's from Insta Cash USA. I got a call from a man who said he was an attorney for them and that they were suing me for fraud, theft, and other things and that I had a court date on Friday morning. I told him I had no clue as to what he was talking about. I have had several payday loans but believed that they were all paid. I asked for documentation, and he said I would get it in court and that I better have someone there to bond me out as I was going to jail.

After I got off the phone, I searched all my records and could not find any payday loan from this place. So I called them back and informed them of this. I got put through to a Brian ** who said I did owe this money--over $900 for the money I stole and attorney's fees. I told him if I did owe this, I would take care of it but couldn't do so until the 25th. He put me on hold while he talked to the other "attorney," came back, and said they would accept that with a letter stating I agree to pay by the 25th, my credit card number, and a copy of my ID. I regrettably did this.

After I did, I found this website and read the other people's stories and was totally shocked! I'd been scammed! I immediately called my bank and cancelled my card and put a fraud alert on my account. I called this Brian ** back and asked again for some documentation. He told me that I didn't have to pay and that was fine but that I would be going to jail, among other things. My account is safe, but what about my ID? I'm so worried about all of this. Don't fall for this. These people are scammers and nothing more.

About six months ago, I received a call from a man with a heavy Indian accent. I did not answer it. I received a message and he said I had until sometime to resolve or get back to him about a loan I received. He was very rude and I thought that was weird. I called back and he was even worse on the phone. I thought something was up. He told me I took this loan and I never paid it back blah, blah, blah. He scared me so I gave my father the number and he called him and I never heard about it again until today!

Today, I received an unknown call. I usually don't answer them but I did. I didn't say anything. Someone continued to say hello until I hung up! I hung up because I did not know the voice. The unknown number called back 20 times 20 so finally I answered. I spoke with a man with a heavy Indian accent, very rude. Also his name was Nick **. don't believe him though. He told me there was a case being downloaded on me. I was like **. I'm not a computer. What do you mean downloaded? So he got even more rude! He told me someone was going to come to my house and take me out! That scared the ** out of me. I'm a 22-year old female. My boyfriend is at work so I'm home alone! That's crazy.

I called my father crying. I was scared even though I know this loan ** is fake. That's scary. He had my address, my phone number, my work place but yet he couldn't tell me how much the loan was and when it was deposited into my account. I was persistent. He hung up on me. I called back and talked to a Sabrina **. I don't believe her either. She was nice but still she could hardly give me any information but she knew my account number which scared the ** out of me. I don't have a lot of money but I work my ass off for the little I have and I don't make enough for someone else to take it. She told me I could call my bank and ask them if they knew of any loan, which now makes me mad. She probably knows there's no loan and she's having me look like an idiot and waste my time calling my bank and asking them this.

So I called, no trace of any loan ever! I called back the number and spoke to a David ** who was the worst of them all. He was rude. He hung up on me constantly and when I asked to speak with a supervisor, he said no at first then said yes, after me practically begging. He gets on the phone and changes his voice! ** The world is a crazy place! Crazy. I changed my name, address and everything for this because I trust nothing now especially on the computer!

I was contacted by someone who spoke broken English telling me that I was a criminal and I borrowed $979.00 and didn't pay it back. Now I owed them $5979.00. Asked if I had an attorney. I asked to speak to someone who spoke English as a first language not as a second. He put me over to some guy who said he was attorney and that he was going to read me an affidavit. He said not to interrupt him. I could ask my questions after he was done. When he was done I asked him how they obtained my social number and my bank account info.

He said I got a loan from them and I owed over $5000.00. I told him he obtained my info fraudulently and to take me to federal court like he threaten me and send me all my copies so that way I could sue them for fraud and prosecute them in court. I said I would be seeking an attorney tomorrow morning. I have contacted an attorney to see if I can file an action against them. I left work early so I could consult an attorney. I'm stressed out because they have my personal info.

I'm stunned that I feel like I'm reading my exact experiences of this morning here from other people. I had messages on my home and cell voice mails telling me that I needed to call this number back or he was "wishing you luck in my future with trying to get out from under this." So I call him back. He tells me that I had taken out a payday loan and had given them banking information where they couldn't get the money and I was going to be prosecuted for bank fraud, violation of US federal banking laws, grand theft, etc, etc.

This of course took me aback so I started from the basics. I asked HIS name and he said "Brian **"; no offense to any Asians, but I've never met an Asian gentleman with this thick of an accent with such an Americanized name of Brian **. I asked who he worked for and who the client was. He said InstaCash or maybe Instant Cash. I asked for their contact information; he said that he couldn't provide that because they didn't want to communicate with me. OK well then what was the date of this payday loan he couldn't tell me the exact date? What was the amount? He couldn't tell me.

I explained to him that I had taken out 2 payday loans. Both of those loans I can trace the origin of the loan and every payment taken out of my account by both of those agencies. At no time were those payments returned by my bank. He said, and then you did take out the loan. I kept trying to explain to him that I didn't say I didn't take out a loan. What I said was that the two loans I had taken out I can trace exactly when that money came into my account and every payment taken from my account for those loans. He said I must have taken out a third loan and that I'm refusing to pay it. By this time I was definitely yelling at him as he kept telling me that a subpoena was being issued and that I had a court date this Friday; that InstaCash wanted to make an example out of people like me. And still I couldn't get any information from him about the loan I supposedly took.

I received a phone call for the guy threatening that I borrowed money from Instacash, which I have no recollection of. I called back and they were very impolite to me, threatening that I was going to be given an affidavit to appear in court to pay back money that I did not even get. I called several times and they refused to give me anymore information.

I received a call today from this James guy whose accent was so thick I couldn't understand his last name saying that he was representing his client and I'm being sued that I was money laundering and committed check fraud and so on and so forth saying I took out a payday loan on 12/22/2009. Funny thing is I didn't have a job at that time. I had my job for one day at the time. I said the funds were deposited into my account. I told him I didn't have an account with the bank he supposedly sent it to. I told him that and he just kept saying, "Yes, we did." I said, "You or your client?" then he changed subject and supposedly this was done online.

I didn't even have internet. I didn't even have cable for Pete's sakes but he said, "Well, you can send the money to this account and I will send you papers saying the case against me is dropped." He said he had me, my brother, my mother and my mother-in-law's names and when I asked him for the address it was done under, he wouldn't tell me. I asked my brother whom he'd called also what he said. He gave him my current address for the address the loan work was applied under December and I didn't have that address until two months after the fact and he wouldn't give me that information but he gave it to my brother.

I told him this sounds fishy to me. I asked him I want the paperwork sent to me. I wanted to see what they were seeing. He said, "Well, what do you want?" I told him whatever you see in front of your face is what I want to see in front of mine. He told me no. I asked why. He said he sent me emails. I went through my emails and I found nothing in inbox or junk. I asked to speak with someone else.

He said he had the person suing me on the line. Funny enough, the other guy sounded just like him. James goes on to call me a criminal and that I'll be arrested at work and the state of Texas is zero tolerance for debtors like me. I never ever applied for a loan in 2009. I think this is a scam to scare people and try to have people send money to them. I am going to take action. I just need to figure out how to even start. I am scared, angry, upset, confused and I just don't know what the heck is going on. After this guy, I am just mentally exhausted.

I received a phone call last Wednesday, saying that they had an electronic affidavit and that he would read me the affidavit and for me to wait until he was done for any question. He then proceeded to read it, saying that I was being charged with check fraud, forgery and something else. When I told him that I had all my statements from my bank account from the last year and that there were no deposits from any payday loans, he then told me that they loaned me the money and they are handling it like I stole the money because I never paid it back, and with fees, I owed them $897.00. I then told them that I work at a bank and I know about fraud and scams. I then asked them for a case number on the affidavit and they said that there wasn't one.

Then I asked for a website to see the so-called affidavit because it was supposedly electronic. Nope couldn't get that either. I asked for another number to contact InstaCash and nothing. I asked for a supervisor, who when he got on the phone, started to yell at me and tell me that this was my fault for borrowing the money and never paying it back. He told me that I was going to be served papers at the end of that week and possibly taken to jail for the charges against me. I told him to do that then because I had all the proof I needed to show then that it wasn't me. He then hung up on me.

I called my friend, who is studying law and asked her if there could be an affidavit without a case number and she said no. So I told her what was going on and she called them. She then called me back to tell me that it was fake and they gave her the run around. I didn't receive any calls from them until that weekend and I had my boyfriend answer the phone. He then asked them the same questions I had that week and still no answers. They hung up on him and I didn't receive any calls until yesterday. I told them that they were harassing me and for them to stop calling! They told me that they were not harassing me because I owed money. I told them of the numerous reports I had read online and felt sorry for the people that they had taken advantage of. I told them that they were fake and a scam. He hung up on me again.

I feel upset that they have this freedom to terrorize me over the phone and think that Im going to just give in and I'm not! I dont want to change my phone number but that is looking like that is what's going to happen.

I received a call today from Jack ** from a supposed law office. I could tell you exactly what they said but people have already said what they do. They said that I have a $350.00 payday loan and that on 12/15/2009, they tried to withdraw $747.00 from my bank account (which they knew the name of the bank) they also knew the last 4 digits of my social security number. They said I had 3 criminal charges blah, blah, blah.

I called my bank and they said there is a scam going on. They said, "I advise you all to contact an attorney and sue them for fraud." I went to instacash.com's website and I clicked on the link to apply for a payday loan and they page is no longer active. It really bothers me that they have my home number, my work number and my ss number a lot of information. It's very upsetting. If any of you that have been through this and would like to get together and talk, please let me know on this site. PS. I too talked to someone that could barely speak English, I thought he was Indian but the messages he left on my home phone and work phone are not decipherable (if that's a word) at all!

Yesterday I was off work and two of my co- workers said that someone who spoke little to no understandable English called asking for me and was very rude. They even told one of my co-workers that it involved a legal case against me! They gave me a number to call when I call it says extension 71 something is unavailable leave my name and number.

Finally they called again today and I answered the phone. I told them I cannot have personal calls at work. I did not wish to buy whatever it was that they were trying to sell me and to remove my name from their calling list. I then hung up. No sooner I hung up a guy name Jon said that he was an attorney representing a company, from the federal law office in Los Angeles County. He sounded of Asian descent. Very difficult to understand. His client was Called insta cash which I fraud! He said that I supposedly took out a payday loan with his client and never paid them back or stopped payment on a check to them? I started to talk and he told me to just shut up and listen. I demanded to know the date of the transfer. After snapping back at him he told me December 30th, 2009. I advised to him that I had gotten 2 payday loans during that time and that neither were with the company the he was representing. I also advised that I have copies of my bank records showing that bother were paid in full. He demanded that insta cash deposited the money into my acct. I demanded the last 4 digits of the acct that they supposedly deposited the money into. He said that he is not at liberty to say.

He said that he was filing criminal charges on me for intrastate money transfer fraud, writing bad checks, blah blah blah. He said that if I were on probation or parole that he filing would violate them and send me to jail. He said I would more than likely get fired from my employer because it is a felony. He said that he was going to subpoena me. I warned him, you listen to me, you do it and I will prove that I never received any money and once that I was cleared; I will sew inst cash for defamation of character and slander.

I got off the phone with him, called my bank and verified that the two payday loans that I did take out in December were paid off and to whom. They were paid and neither was with insta cash. I had them block any auto drafts from the acct just in case. They also said that they have no record of any direct deposit or wire transfer to my acct from insta cash. They advised me to contact the LA county police dept and speak with them. I called and left a message for them to return my call. I also took it upon myself to contact the LA county district attorney's office. I also called the Myrtle Beach, sc police dept and filed a report with them. After I found this site and all of the complaints are so similar, they are investigating it. We'll see.

It's a payday loan scam, exactly as stated in the report on this web site. They are threatening arrest, felony charges, and reporting to credit agencies. They have a great deal of personal information. They can't provide any information about the company they claim is suing me. They call numerous times a day despite asking them to stop calling. They have also contacted my employer and a friend used as a reference.

I have changed all bank accounts, alerted credit reporting agencies, made reports with the Federal Trade Commission and Better Business Bureau. I would like an attorney to contact me to follow up and learn how to get them to stop calling me and my references.

Much like everyone else, I was contacted by a man that spoke very broken English. He claimed to be a paralegal in a law firm representing Insta Cash. He had all of my information. He claimed I owed over $800.00. I asked to speak to his supervisor. He put me on hold for a second and then came back using another name. I confronted him saying, it was the same person. He became very agitated. I asked for proof and documentation of the charges. He stated he did not have to provide me with this information. This happened on June 2nd. I have not heard from them again. I contacted my bank and put an alert on my account and a code word. They are monitoring any unusual withdrawals. How can we be sure that they are not using our SS #?

I applied for a payday loan (not through Insta Cash). The loan is repaid. I received a call from an Alexander claiming he was from the Bureau of Investigation (call back # was 518-602-2415). I returned the call as I am a retired federal employee. He stated I took a loan out in January 2009 and did not repay it. My bank records do not reflect any such transaction. He said I was going to be charged with fraud and bank embezzlement and that the sheriff would be coming to my door. He has called my two references (one of which is a current federal employee). This has wreaked havoc in my life. Someone needs to shut them down!

I received a phone call from a man claiming to be an attorney representing Cas Advance USA. He claims that I had fund deposited into my Bank of America account back in December 2009. He kept asking me if I was aware of the lawsuit that was being brought against me. I told him I didn't know anything about what he was talking about and asked him who he was and how did he get my information.

I told him I was pretty sure no such deposit was made into the account. He asked for me to send him a copy of my bank statements. I refused, then he said he was going to be forwarding the case to states attorney office for further processing. I could expect the sheriff at my house to subpoena me with a date and time for the case. I told him that I would be contacting an attorney in regard to this matter, he replied, "Have him call me and I would not be calling you anymore." I would see him in court.

He was very hard to understand because he had a thick Asian accent. At first I was scared to death, because he had even given some sort of case number and said that the lawsuit was filed by Daniel ** and Robert **. I have never heard of either one of these people. He insisted that he could not give me any documentation to the suit, he said I will find out when I get served. He gave me a case number of ** and then **. I repeated it back to him and he corrected himself twice. I felt like there was something not right about the phone call and decided to look them up the internet and found that I could have fallen victim to these people.

We received a call saying we were in big trouble for check fraud and several other charges. They said we hadn't paid back a payday loan we applied for online. They really had us scared but the more I thought about it the more I realized it was a scam. I told them I had turned them into federal authorities and that they, along with my attorney, would be contacting them! They hung up on me and when I called back and asked why they hung up and if they are scared, they called me a dirty ** and hung up again. A law firm will always have complete details of any case they take on. They couldn't tell me the date the money was supposed to have been deposited, etc. Not only that but a law firm will always contact you by mail on company letterhead regarding any suit against you. If you do not reply to their written communication, they are required to contact you by certified mail before filing any case in any court!

Beware of these scam artists. I'm sure they have collected millions from scared people!

My husband received a call this morning from a "paralegal" representing Instant Cash, stating that I needed to call them due to the fact that Instant Cash is suing me for some fraudulent checks and I was being subpoena to court for non payment on a cash advance. My husband called me and told me about the phone call and that this lady had an Asian accent and she stated that I needed to resolve this or whatever happens will fall on my head. I went ahead and called 530-287-4210 and was connected with Mark (can't recall last name), he then informed me that they were representing Instant Cash and I was being sued because I produced fraudulent checks. This is the first time I have heard of this, so I asked him when was this "supposedly deposit made into my account" he informed me that he had an affidavit.

I asked him again to repeat himself due to the fact that I was having difficulty understanding him due to his accent. He then proceeded to talk to me as if I were retarded asking me if I knew what an affidavit was, I said yes and that I wanted to know what date the deposit was made. He began to tell me about the attempt to collect the repayment and I told him that I wanted to know when this loan was deposited into my account and I was yelled at telling me that I am not to interrupt him while he was reading the affidavit to me. When I asked another question, he hung up on me. I called back and they connected me to him again and he told me he hung up because I didn't allow him to finish what he was saying.

All I wanted to know was when this "loan" was taken out and he said "probably" around Oct or Nov since the repayment was attempted in Dec. I went straight to my bank after work and requested bank stated from Sept of 2009 til present and there are no records of any deposits made to my account. I then tried looking for this attorney's office online tried doing a reverse look up using the phone number that I have and there is no business. I then called them back and the guy on the phone wouldn't give me any information on address or where they are located. He asked me why I wanted this information and I said that I was going to contact an attorney and have this investigated (which I wasn't, I was just trying to get information) and the guy said, "Well, have your attorney call here" and hung up on me. I can't afford an attorney, so I am upset, stressed but at the same time how can I get them to stop calling me. I am waiting to see if they send me any paperwork. What should I do?

I was called this morning around 8:30 by a company claiming to be InstaCash. I missed the first call so they left me a message telling me about some type of legal action that was being taken against me for fraudulent funds that weren't available in my account.

I checked bank statements and called my bank to see if any such transaction had taken place and there was no record of one. Needless to say when I insisted that they give me some information about this account, they kept saying that I was asking stupid questions. They also kept threatening me about their investigating team coming out to my place of employment with legal papers and that the sheriff would be coming out to my home to serve me papers to show up in court in California.

I must say that this had my heart pounding a bit because I know that I have not had any run-ins with the law and I really try to avoid things like this if I can. I just retired from the military and this really had me upset being that I'm currently looking for employment. Whoever these people are, they need to be found so that someone can take legal actions against them. This is wrong and they need to be stopped.

I recently got a phone call from somebody who I couldn't even understand his name. I want to say his name is Andy, but I couldn't say for sure. He called my cell phone trying to get a hold of my husband. He knew everything from our account number to my email address, saying that he was going to send someone out to our house this Friday because we were being charged with fraudulent charges from taking a loan out with InstaCash or one of there sister companies. We have not taken out a loan whatsoever at all.

While he was on the phone with my husband he persisted to interrupt my husband's questions, ignore what he had asked, and basically tell us he was lying and that we had to have taken out the loan. We just weren't willing to pay it back. All he did was ask my husband questions and then persist on saying that we were liars and thieves. My husband is in the military. There is no way we would've taken out a loan with anybody like this. He kept saying that my husband didn't need to interrupt him and if he was going to keep doing so he wouldn't be able to talk to him anymore. By this time, my husband had politely asked for someone who spoke a little better English as he could not understand the man and the man goes, ok, I will talk slow.

My husband hung up and we immediately called the bank. We are nervously waiting for Friday as he said he was going to send someone out to our house to come get my husband and take him to court. Not once did he say when and with what exact company we had taken the loan out with. This is when my suspicions kicked into high gear. Even when my husband asked these questions he kept ignoring him and never answered. Ridiculous. This has caused an enormous amount of stress on my husband and myself. With him about to be deployed, this is not something we need going on in our life, especially with two young kids at home.

I too was called by a so called legal service saying that I owed money to Insta Cash for a payday loan, and that I would be served if I didn't come up with double what the loan was worth. I researched the law firm, and it doesn't exist. They also told me it was in Ervine California, and there is no such city. There is an Irvine California, but the street doesn't exist, and when I ran the street through Google Maps, it came up in a different city. The phone number in caller ID always had some country code, such as +7 or +22, and there are no such codes. The people I talked with also had Indian accents, and were hard to understand.

They use terror tactics like saying that if I don't pay, there will be cops on my doorstep tomorrow with a summons. They refused to send any documents, or log any information in writing, saying it can't be done, until the loan is paid or the summons is served. I have written Insta Cash, who is a legitimate payday loan service to let them know they are being misrepresented. I suggested they research this scam, or they will lose business. I have taken some short term loans out, but they have all been paid back. Also, they claim that when funds were to be withdrawn, they weren't there.

I caught them in the lie, when I told them that I had not taken any loans out, until after the time they said the funds were to be taken out. I also asked for their bar association registration number, and a contact number and address, and I was turned over to the original person, who again started the attacks. I had previously been offered the so called settlement, until I started catching them in the lies, and then they threatened legal action again. This is ridiculous, and has to be stopped. I would also like to know how they got my information.

If you threaten them back like I did, when I told them I needed the information, so I could forward it on the the States Attorney in Florida. They should stop, but they are very blatant, so don't expect anything but threats. I would love to find out who is doing this, because after reading this report, it sounds like I am not alone.

I received a call at 10:21 am this morning. A guy asked if this is me and began with his spiel that I had committed fraudulent activities and he was an attorney representing Cash USA. He said that I was in trouble and I would lose my job and an affidavit would be sent to my sheriff's office and delivered to me by them. They would also contact my work and let them know what I had done. He named off where I lived, social, banking info (acct number and routing number), where I worked, and my personal contacts (in this case my family, sister and mom). It was a bit believable until I started to research this and come to find out that I am not the only one this has happened to. Hopefully this is the end of this. I had to make sure that my bank account has not been messed with and still doing so. This has made it hard to work today and made me worry.

Much like the other complaints I read, I received a message on my cell phone saying that there was an urgent matter to discuss and god bless me if I didn't return the call. When I called back, I spoke to a man with an East Indian accent. He claimed that InstaCash has 1300 web sites that feed into it so he couldn't tell me what actual company I may have dealt with. He said I could get a copy of the loan paperwork after the loan was paid in full. He said my employer was going to be subpoenaed and that I would be arrested.

I told him I would file bankruptcy (foreclosure issue, too) and he stated that wouldn't release me.That they were charging me with a criminal claim of stealing money and writing a bad check. He insisted that I fax a written permission to debit my account with "Attention Mr. Andy **" and "Debit Card Payment Authorization" noted on the fax. He claimed to be from an attorney's firm. He stated that he would give me until Saturday to come up with enough to pay the withdrawal fees ($355) but the remaining $620 would be due on the first of the month. This was an adjusted amount as he told me I owed $1285 on an original loan of $400. He wanted me to send the authorization fax today and when I refused, he said he would wait until 1:00 tomorrow. If he didn't hear from me, a Sheriff would come to my place of employment. They claimed to be from a law firm named "Hunt and Henriques."

All I know is this man called saying he was an attorney and that I was in trouble because I had taken a loan out with Insta Cash and never paid it back. I said I know nothing of this and he said I was sent emails etc. He went on to say I was bank fraud and that he was going to sue me for the $350.00 plus interest and said he was going to take my social security card away. He also said they were going to the Supreme Court on Monday and that I was going to get a subpoena at work, that the local sheriff would be notified. I said I am a law student and I know the law and I never got any emails from Insta Cash nor did I fill out an application with them. I have no idea what they are talking about. He told me to call and ask for a Mr. Martinez, have his phone number he gave me at home. He was told that the California State Bar would be notified of this and that his licenses would be pulled. I told him I was studying to be an attorney. He hung up.

I received a phone call from someone with an Indian accent saying that I owe thousands of dollars for a loan that I took out. I asked him to verify what account number the money went into and it was a bank I've never heard of. This is a complete scam.

Calls started on 5/14/10 and person by the name of Mike * left a message stating I need to contact them as soon as possible if not, God have mercy on me. Call placed back because it was a scary message. No answer. I live in VA and it's a three hour time difference. I end up calling 411 and gave them the phone number of the people. They said they couldn't pull it up.

On 5/15/10, I get a call from them. I missed the call and called them back. I asked to speak to Mike *. I never did. To make a long story short, they told me the same thing as Rick, OK and Stacee, FL. I contacted my local police department. They informed to ask for certain documents. The Asian person was nasty, called me a liar, told me I was just taking the money and running, and telling me my two references will be at fault also. I never went through with the application. This was my first time having this to happen. I'm really scared.

The people said I would face criminal charges if I did not pay the $350 that I received in my account. The total amount would be $897.52. I requested information on the loan and I was told to stop asking stupid questions like that. The name that was left was John **. I asked several times and they hung up on me. They told me my court date will be on Monday, 5/17/10, and I should receive a summons soon. The person would not give specific information about who the loan was for and said that I was asking dumb questions. What can be done?

He left me a message and he claimed to be the National Crime Identification. When I called him back, he said that he was calling from a law firm and he claimed to be something like a police. He said that I am being faced some serious crime like fraud. Then finally, he said that I borrowed 200 dollars from US Fast Cash and because of that, he was going to block my social security so I can lose my job. I argued with him because I finally understood that he was trying to scare me so he can get the money back. He is accusing me of fraud when that never happened. He used false information such as claiming to be the National Crime Identification and then he said that he was calling from the government.

When I called, they wouldn't give me any information. Then they proceeded to threaten me with criminal wrong doings such as fraud bad check and so forth. Each time I called, the same person would give me different names. Then they blocked my number and would not give me the name of the so called law firm? I told them that I never heard of them and they couldn't even tell me any info about me? I want this investigated.

After some debate, she finally put me on hold and after a few moments a man with an Indian accent said "Hello, this is Keith N". I informed him I was returning his message and he asked me for my phone number. I refused to give it and he snapped at me and said "I make hundreds of phone calls a day, how do you expect me to find you in my system?" I told him that was his problem and that he should know who I was by my name alone since he just left me a message two days ago. He then said "Hold on while I try to locate your case file."

After a few moments, he told me my first and last name and then he stated the last four digits of my social security number which he asked me to verify. I refused. He went on to tell me he was going to legally inform me of the situation. He said that money was wired into my account (he knew my account holder) from InstaCash for a payday loan. When InstaCash attempted to retrieve repayment that there was insufficient funds and that InstaCash decided to sue me and I could be liable for some $8,000. He stated the names of two of my references and my Email address.He advised me to get an attorney and that my references and I would be served the following day. He stated my court date was in two days on May 7, 2010 in the California Court.

When I asked which court he said that the lawyers would have a meeting and decide on May 6, 2010 and I would be informed. I informed him he was mistaken and that I never took out a payday loan. Ever! He said I could prove that in court on Friday then hung up. I called my account holder and informed them of the situation. We reviewed the entire history and statements for my account and found no deposits from InstaCash. My account holders called the number the man gave me and when they spoke to him he told them he never heard of them and he didn't know what they were talking about. My account holders said if he called me again to try and get a case number or dates or some sort of valid information. They advised me to close the account considering this man had some of my confidential personal information. (Name, Phone #, SS #,Account holder, references).

I looked up the name Keith N with the American Bar Association and found six Lawyers, none of whom are associated with U.S. Attorney Services. I looked up U.S.Attorney Services and found them to be a Search-Based Website for Lawyer Services. I looked up InstaCash and found that they are also a Search-Based Website for loans and advance services. InstaCash is not a lender. In January, I think I filled out some sort of qualifying application on some website (possibly InstCash) to see if I qualified for a cash advance. Since then I began receiving emails from various lenders trying to get me to use their services. I have never responded to any lenders. On May 6, 2010, I never received any information and was never served.

On May 7, 2010, I received a phone call from. It was Keith N again. He restated everything he told me two days ago, word for word as though he was reading a script. I told him I had no idea what he was talking about. He acted surprised and said he would transfer me to an officer who would inform me of my rights. He put me on hold and then got back on the phone pretending to be the "Officer". He just re-stated everything again. I asked him for a case #. He rattled of the two letters of my state followed by my zip code. I told him that was not a real case #. I asked for the alleged date of the money transfer to my account. He said he did not have that info but he did have the date the case was first initiated. The date he gave me was November of 2009. I told him I didn't even have an account in November of 2009. He said I could prove it all in court the next day. I told him the next day was Saturday. He then said, I could prove it on Monday May 10, 2010 at 11:00am and that I would be served tomorrow.

I know know that this is all a scam. However, I am unsure as to what these people want. Perhaps for me to verify my personal information. Perhaps they messed up and forgot to attempt to extort money from me. Whatever the case they must have received my information from the Website I used to see if I qualified for a cash advance. I know this because it is the only time I used the two particular references he had mentioned. I am not worried about being sued but more about the fact that they have my Name, Email address, and Social Security Number. That is enough info to do serious damage.

I received several calls from Indian men claiming to be police officers. They are telling me I have a debt with a payday loan and I am going to be arrested for fraud for not paying it off. I asked who the company was and was told Links payday loan. I told them I have never had a payday loan with any links. He said, "Oh no, we are the parent company." I asked who is the sister company. He then handed the phone to officer Jim **. He threatened me. I was called a stupid woman. I guess I am not too stupid to fall for the scam. I even called my local police department who tried to call them back at the 904 number but he said that the phone would not even ring. He even had his partner try to call. This is a federal offense--claiming to be a police officer and threaten arrest.

I received a call at my place of employment this afternoon. I was told quite rudely that I owed thousands of dollars to Insta Cash for a payday loan, one I never took by the way, and they would be delivering a subpoena to me at my workplace tomorrow. Also, the references (friends) I used on a application would be liable for check fraud, grand theft and something else. I couldn't understand what they were saying as they had a very heavy accent. They have my checking account number. Now, I have to have the account closed, as I think they will be taking money from it.

While I had filled out applications for payday loans and one was taken, it has been paid off for a month or so. Also, they can't tell me when the loan was taken and who the middleman on the loan was. All they kept telling was I was sent 13 email reminders and I ignored all of them. Sabrina told me that it had to be at least 6-8 months ago for the loan. I didn't take any loans 6 or 8 months ago. I don't know how they got my info including my checking account number. What do I do now?

This guy was calling all yesterday claiming I owed for a loan from Instant Cash, in which I never had account with these people. I asked him if he would give the amount. He said $917.00. I ask him what month. He said he could tell me that this people have my last digit of my SS# and my bank which is Bank of America. I don't think they have my account but can be so safe. He even stated authority will coming to my job on Friday to arrest me.

I also received a call this morning. The first time I called back, they told me I owed $700 and then the second time they called back they stated I owed $285. I never borrowed any money from this company and yes they had some of my correct info which is very concerning. I asked if they can email me all the information they have and they told me that I would have to pay them first and then they will send me the info. They said they will serve me papers and see me in court to settle. I told them that would be great and that their info is incorrect and that I should press charges on them.

I received a phone call also from John ** (Asian accent, impossible to understand). He told me the same line, that I had 4 days until I was due in court for charges on federal charges for violation of federal transfer laws, check fraud &debt by deception. He said that when they tried to withdraw the funds (after I received a loan) that they weren't there and they wrote it off as bad debt and filed criminal charges. He wanted my attorney to contact him in regards to the charges. He knew my email, cell phone number, last four of my SS number, it was scary! When I continued to tell him this was the first time I had heard of this, he continued to call me an idiot (over and over again).

I called asking for John ** to clarify and was told no one worked there by that name (although it sounded like the same guy who had called me earlier). I did a reverse look up on the phone number and it came from 01 Communications, Inc. in San Diego CA. I would not give up because at this point, I knew something fraudulent was going on. I continued to call the number and they continued to hang up on me. This whole deal is a complete scam! I was just promoted to a store manager position, had just relocated and the threat alone of criminal charges made me physically ill!

I'm not sure who I talked to but I got a call today and was told like the others that I had not paid back a payday loan. They said that they were going to come to my office or home and pick me up to go to court. I began to ask questions that would validate their claim as true. So I proceeded to ask if i could have them send me the emails that was the proof that I disregarded their attempts to get their money back. They said no! I asked why didn't the company I didn't pay back try to contact me through regular mail. They said that they feel the emails were enough.

I went on to ask what was the amount of money I borrowed. They said they didn't know. I asked what the their address was and they wouldn't tell me. They did tell me the city and state and zip but the zip didn't match the city they gave me. So the more questions I asked, the more impatient they became. The fact that they have so much of my information is a bad thing. I wish I knew what I could do to stop any future scam they might try to use with my info.

The damage done from this type of scam is the worry that there is any truth to what they are saying. Even when I felt I had plenty of evidence to disprove their claims, I still felt a little worried that somehow, I missed something. These people need to be found and punished for their actions.

I just received a phone call about a legal matter and I was told that I was going to be behind bars after 5:30 tonight! I asked what this was in regards to and was told it was a PayDay loan that I intentionally did not repay. I stated that I was unaware of any loan and asked them for my information, they had it all! They said that they have been sending me emails and that it was not their fault that I did not read them. I have not received any emails. I asked when this loan happened and checked my bank statement online and there was no such loan. He was very threatening, had a very heavy Asian accent, the telephone line was horrible. He wanted $736 or I was going to jail. I told him that I didn't owe the money, I never took out a loan and I don't show the deposit. I am scared what will happen next. Anyone else have this happen to them?

Threatening calls demanding settlement of a $700 payday loan from instant cash. If payment plan not received next morning, they will see me in court for an additional $5000. They also demanded debit card numbers, etc. without wanting to give their address, company name.

I made application for services, but did not follow through. I am receiving threats from a third world Banana Republic type, accusing me of taking loans, and never repay them. I have no record of this, nor have I received email reminders of an obligation. The individual who talked to me, said he would make life miserable, and I would have to pay $5,000. This is insane.

I got a phone message from someone who sounded very foreign and stated I should not disregard the message or something bad was going to happen to me. I called them at their # the next day and another foreign individual stated I was being brought up on criminal charges of fraud for not paying back a loan from Insta Cash. He was extremely rude and threatening and said I owed over 5,000 dollars in fees, including attorney's fees. I pretty much told him where he could go and I hung up on him. I tried calling back and the extension then sent me to e-mail.

I have had payday loans in the past, but checked on my bank account online and don't see any made from Insta Cash. I and my husband are paying them back little by little and are always up to date in paying them. I will never get another one again, too much trouble.

Today, 4/24/2010, I received a call from this guy named Daniel in CA stating that they have been trying to contact me by email not by phone or address threatening that this company is going to take me to jail if I don't pay the $843.53 by today. They are going to put my job at stake. I am trying to solve this problem in a reasonable matter but this guy kept hanging up the phone on me. He also said that they are going to send subpoena to my job. I need help with this company. Oh, he also said that I have go to California to present myself in front of the judge and that I have to pay this company lawyer fees and everything that comes out to $5,000.

I received a threatening phone call from this company stating that I owed them from a payday loan supposedly taken out almost a year ago and that I was being subpoenaed in a California court for non-payment. I investigated the amount and the details and discovered this never happened. I never received a loan from these people and very conveniently they waited until a Friday night to contact me for a planned subpoena for a court appearance on Monday morning across the country. I am positive this is a scam and have contacted the California Sheriff's Department and a lawyer. Another name being used was Daniel, and they were both Asians.

I received a call yesterday from a Daniel ** who had a very thick Asian accent who asked me to hold on the line to speak with their legal department. Then this lady with an equally thick accent named Jenny ** came on and said that I took out a payday loan in October 2009 and didn't repay it and that I was having federal charges filed against me and I needed to fly to California by Monday to appear in court. I asked her for more information, because I had not taken out a payday loan with this company and she claimed that she did not have that information.

I then told her that I had not received any other correspondence regarding this matter via phone or mail, and I was told that nothing will be sent until after I go to court or that I could send them $150.00 immediately and I would need to send a letter stating I would not dispute the $150.00 they wanted to charge to my debit card.

I was so scared and nervous. I went online and began to research the company, because they presented themselves as Insta Cash USA. But I could find nothing in the search engines, but then I came across this consumer report with other individuals just recently receiving these calls also. It made me begin to think that this is some type of scam. I will be going to my bank tomorrow and alerting them as well. And I will be contacting an attorney.

I received a call from this number 8 times, in less than 5 minutes. I ignored the calls, because I was waiting for them to leave a message, since I did not recognize the number. I finally answered the call, and hung up on them. They called back, and said to me "do you know who you just hung up on?" They said they were with the State's Attorney's office. They then told me they were a law firm called Anderson Law Firm' and they were working for a company, Insta Cash.

They said that I owe their client over eleven hundred dollars, and I needed to pay it before tomorrow morning, by emailing a notarized letter, with my credit card information, stating that I will not dispute the transaction. They said if I failed to send them this information before tomorrow, I would be served with papers, and my employer would be served a termination notice, as I would then have a criminal record.

The phone conversation went on for a while. My fiance called the number, and told them that I said they called me, and he wanted the information. They gave it to him (which would be illegal). They said that they are a company called Insta Cash. The people that I spoke with were of Indian descent. They were very rude, and would hardly let me speak, or ask questions. My blood pressure raised, and I can feel my heartbeat, hard and fast. I am so scared that this will happen again.

These people called me with pretty much the same story as others: I was being charged with violation of federal banking regulations, check fraud, Internet fraud, etc. They are very rude and give you just enough information to make you think they are legitimate, but it is definitely a scam.

I have been getting numerous phone calls from a person with a distinct heavy foreign accent identifying himself as a federal investigator and an attorney. On 3/25/10, he notified me and identified himself as a federal investigator. He verified all my personal information including my SS#, driver's license and bank account number over the phone, and then stated that I have unpaid debts to a payday/cash advance company money on the amount of $600.00. I do not have unpaid debts to a payday company so I requested a copy of the loan contract and any documentations he might have. He said he did not have any of that information.

Then I requested for the payday company's name and phone number. He became very agitated and demanded that I listen and cooperate. The call was very suspicious so I discontinued the conversation. I contacted FTC right away to file a report. FTC agent stated that I might be a possible victim of a scam. I followed the instruction the agent provided me. Since then, this person has been contacting me from different phone #s (area codes from different parts of the U.S.) different names, offices and companies.

He has been calling my elderly mother and sister because I used them as references when applying for a loan. The latest name he provided me is the one I listed on the complaint form. He left a message on my mother and my sister's voice mail on 4/20/10, this time he identified himself as an attorney from American Legal Division wanting to communicate with me in reference to unpaid debts.

I contacted FTC again to seek advice on what I could do to stop this threats and harassment. The agent told me they do not investigate, I just have to request a copy of my credit report, place a fraud alert, go to the BBB website to find out if this is a legitimate office or company, and not speak or provide my personal information to this person. What is the next step to stop this scam?

They claimed that they are collecting on a payday loan for instant cash. They were very rude, called me at work and left threatening messages on my cell phone. I went to the police who just took a complaint. I do not know what else to do to get this to stop.

On Saturday, April 17, 2010, I received a voice-mail requesting my prompt attention or my attorney to return the call for the time sensitive matter. At the end of the voice-mail, it stated if they do not hear from me or my attorney, "they wish me good luck as the situation unfolds on me". The speaker on the voice-mail had a very strong Indian accent and was hard to understand.

I returned the call to figure out what was going on only to reach another person with the same accent. He stated his name was Mark. I was being sued and requested to be able to read the affidavit to me without any interruption. Right before reading the affidavit, he read me my social security number and my email address. I said to continue then he read the affidavit very quickly and was difficult to understand. When he completed his statement, I began to ask questions.

I wanted to know who the company was that was suing me and what they were suing for. He became very abrupt and said that the matter will be taken up in court and he did not have to answer my questions and I would be served papers at my place of employment or will be arrested at my home. I continued to try to ask questions and he hung up on me. I called right back and he told me he did not like to repeat himself and hung up.

The following day, I called the number again in hopes of receiving more information. When he got on the phone he asked me why I was calling him again and stated I will get the court papers in a couple of days.

Being overly frustrated, I called back and requested to not be transferred to a so called "Mark". The man said hold one moment and then when he returned on the line, he stated that he had my file in his hand and that he has spoken to "Mark". I finally got some answers. He stated that I took a cash advance from a company Instant Cash USA for $300.00 and failed to repay the cash advance. He said that I currently owe $1,895.00 but they would settle now for $985.00. He stated that my court papers would arrive in two days and I would be required to appear in court in California. Mind you, I live in Michigan.

I never took out a pay day loan from this company! I would like to know how they received my social security number and college email address. I have never encountered such a thing. I fear for my identity security and credit. I hope that something can be done.

I received a phone call (from a very rude man who I could not understand). He said I needed to be in court Apr. 27 in Ca. for a loan I did not take out that was due in Sept. of 09. He said I needed to be there or "you know what happens." I never took out a loan. I am having my bank get all my transactions for 3 months. He scared me to death saying I had committed fraud, bank fraud and one other thing. At least that's what I thought he said. What do I do next?

Last Friday, I received two voicemails at work asking for a return call to Charles H, asking for my attorney information and good luck with the events about to unfold if they don't hear from me. I called the number back and spoke with a Kevin P who told me it was regarding a lawsuit that was being filed against me on three counts, theft by deception, bank fraud and some other charge. When I asked what it was for, he said I had received money from a payday loan company and when the check was deposited the funds were not there.

First of all, I have no idea what he was talking about! The more questions I asked, the angrier he got and he hung up on me. I called back several times, he would either hang up or not answer. I immediately called my Attorney General's office. This man had my email, work phone number and last four digits of my Social Security Number. I tried to call them back to give them the Attorney General;s information, since they wanted my attorney information and they wouldn't take it and hung up on me again.

Today is Monday and I got a call again from Charles H stating I owed money and the lawsuit. I did manage to get the name of the company this time, Insta Cash and they said I owed them $854. When I started asking how I can contact this company, I was told they can't give me that information. I tried to get an address to send payment. The more questions I ask, the angrier he got. He even cursed at me and told me not to call them back. I heard from my Attorney General's office today and yes, this is a scam! Do not send these people any money or give anymore of your personal information. I do recommend you keep an eye on your credit report for a while to make sure there is nothing negative on it. I called the credit bureau and had a fraud alert added to my report just in case.

I've gotten 3 or 4 calls from these guys with the heavy middle eastern accents. So have my mom and my brother. After the initial shock (which is what these clowns want), I googled the above number, its all a scam of course. I filed complaints with FBI and State Attorney General office. As of yet, I've heard nothing back, but that doesn't surprise me, they have other issues.

So, I thought I'd have some fun with these guys. I called back and asked form Mr. M, he had threaten to have me hauled off to jail, that I should bring 3 changes of clothes and that his men would be by to pick me up. I called and told him that it all happened, his men showed up with the sheriff and hauled me off to jail. I told him I had no idea he was real. He hung up.

The next day I called, asked for Mr. B, who I promptly told the FBI was very close to getting him for extortion. He was screaming no FBI, No FBI. I told him that when he got home, they would be there waiting. He hung up. The next time he called me, I took the call, told him that I knew this was a scam. He continued to give the same speech. Got really ** with him, used a few choice words. His reply to scream "Please no profanity" at me several times and then he said that would hurt my case even more as the calls were being monitored at "the courthouse". I couldn't take it and I just started laughing. It's all too funny. Don't give them any info. Then have some fun with them. It was a hoot.

When checking messages on Saturday, April 17,2010, I returned a call from a company saying someone was suing me. Of course I called to find out what was wrong. Turns out a man, Ron ** he said his name was said that Insta Cash was suing me for numerous Federal bank violations, check fraud and such and lucky for me the account they mentioned is inactive and has been for some time.

I use pre-pay cards to manage expenses and know who I've given what account too. The charges are false, no money was ever deposited into my account. Easily verified, someone else has stolen my information, again! Yes someone please contact me, because I want this to stop. Luckily I've been scammed before and won't be again!

On April 9, 2010 I received a voice mail at my place of employment regarding a payday loan with Insta-Cash that I never paid back. A Middle Eastern man left the message saying that if I did not return the call ASAP, he could not be responsible for what happened to me and wished me good luck. When I returned the call another man identified himself as an attorney, requested the name of my attorney and said that I am being sued in the state of CA for check fraud, and a number of other charges because I had not paid back a loan.

I have not received a loan with Insta-Cash and started asking questions. He became very rude and said for me to prove I never received any money, and he hung up. He also suggested I obtain an attorney. I continued to try the number again and was cut off every time. On April 16, 2010, I received another message and returned the call. The man who answered told me that he had explained everything to me the last time and he was thru discussing it with me. Again he hung up. Again I continued to call the number and am being disconnected. What to do?

In October 2009, my husband was contacted at work and Matt ** told my husband he was about to be arrested on an felony warrant for fraud. That he had taken a loan out in January of 2009 and had not paid them back. My husband tried to get the dollar amount but could not and they kept hammering him at his job every 15 minutes. Give us 310.00 and we will not file in California. My husband and I have only one vehicle. I had it because I had errands that day, plus I had to work a partial day. By the time I got to my husband, he had believed what they said and had in fact given them our beit card numbers for the two amounts asked for (200.00 and then 110.00). They had threatened to arrest us and take our kids from us. They were convincing.

I spoke to them then and I demanded to know when the loan was taken, how much and so forth. I refused to believe these Yahoos because the checking account they gave was our new one. The loan on which it was supposed to of been done on...never existed till this past fall. Kinda hard, I told them for this loan to be on. I was then talked too harshly and I said, "Look, give us the documentation and we will pay this off, email us, mail it."

But they said it would be sent to my husband's job. Nothing ever was. Then this week, another contact. Hello, hello, hello, is Mr. ** home. I knew who it was and groaned in disgust. I refused to let them talk to my husband who was in front of me getting mad. I in fact chewed them out, something the two men did not appreciate and heard one say in the back ground in, "You're letting a mere woman get to you." Good, I thought.

When he asked if we had an lawyer, I said, "Yes, I do and I have some numbers for you to call, the sheriff's. County attorney. District attorney general just to name a few. They did not like this. I hung up more than once on them. They called back and yesterday they called and hung up, called and hung up. They are not getting another dime out of me or my husband.

As a result, my husband has become very upset. All he wants to do is settle this, so we can sue them for aggravation and I said, "No." No more money. These people have caused a lot of stress on us and have caused my husband to have an ulcer as a result. We no longer answer the phone, we let our answering machine pick it up. Our family and friends know why as well and are totally disgusted.

My husband has had to make his job aware of the situation at hand. That this is an scam and we do not owe these scammers a dime. We have had to put strict restrictions on our checking and savings account to make sure they do not try and take money out. We have had to cancel our debit cards and I wonder will they call today? I was very shocked and upset to find out these people have been able to get away with this. My husband is as well. After I get a hold of our creditors and our family and friends by email, I will be cancelling our landline and keeping our cell phone. Just so they can not call us any more.

A very rude man with Middle-Eastern accent has been calling me at home saying I owe $1129.41, but will not say who I owe it to. He says "this is not possible". He threatens that someone will come to my office. He has been calling my office, then hanging up when they say I'm not there, as I work mostly from home. I told him if he produced something showing that I owe money and why, then I will address it. I will have economic consequences if they continue to harass me at work. How can I make them stop?

I would like to warn everyone of this InstaCash Scam. I have been harassed by some law firm and I confronted them and they hung up on me. I almost fell for it and I found these messages and now I know its a scam. Watch and let's find these middle eastern men.

On Friday, April 9, 2010, my telephone kept ringing and when I would answer, the person would keep saying, "Hello, hello, hello, is this Mary?", with a very heavy foreign accent. I answered and said, "Yes, this is Mary." The person went on to ask, "Do you have an attorney", and I said, "for what?". He then said, "You have committed fraud and used a bad bank account."

That is a lie because my bank accounts are open and alive. Please help! When I began to ask question about this loan, the person replied and said, "I can not tell you that, you will need to be in court and have an attorney or one will be assigned to you by the courts in Ca." Then he said he can not talk to me any longer about this matter, and just hung up.

I received a message on the voice mail at home and then on my office phone and when the woman confirmed that I was on the line, she transferred me to her "supervisor" Sean G. I was transferred to a gentleman that I doubt very much was a 'Sean G.' and he proceeded to tell me that there was a case pending against me and that an affidavit had been issued regarding a payday loan that I had received and not paid back. When I asked him for more information, he got very rude and said that he had to read me the affidavit and asked me if I would allow him to do that without interruption and then I could ask him questions. I said that I would, but I was already skeptical.

He proceeded to speed read through charges pending against me including violation of federal banking regulations, collateral check fraud and theft by deception. He had my email address and knew who I banked with, but it kind of fell apart when I started asking about the time-line for responding to the charges. I knew that I did not have any outstanding loans and wanted to be sure I had time to gather my records so that I could present evidence that I did not owe anything. He stated that I would need to be in court on Tuesday, that I had 24 hours to respond. I mentioned that it was a Friday and that the next day was not a business day, to which he responded "what do you mean"?

I asked if that meant that I needed to respond by Monday and he said that if I didn't respond in 24 hours, they would be at my place of business tomorrow with a subpoena. To which I again stated, "Tomorrow is not a business day and I will not be at work," and he said, "Then you will be in court on Tuesday and I said then I hope I will see you there!" This is not the first time these people have tried this, mostly I have ignored them, but they do not give up and it is getting very annoying! I would like to be able to sue them for the aggravation. They have been harassing me at work and have gone so far as to contact my supervisor to advise him that I would be served at my place of employment. Although, I have not lost my job over this, it seems as though I could, and they are endangering my livelihood. This can't be legal!

I received a call yesterday around 3pm from an Asian accented man claiming that I had a lawsuit coming my way for not paying back a loan from instacash USA. He told me an investigation team will be coming to my job at 11am in the morning and talking to my employer about the matter. He also said that I would have to pay thousands of dollars for all charges, fees, etc.

I panicked because he seemed convincing and I'm still young so I didn't know the in's and out's of how a real subpoena takes place. Then he stated that I can take care of this matter if I send him an authorized letter to the attn of Dan ** (the name he goes under), stating that I will allow him to charge my visa $545.33. That's when I knew something was fishy.

After that, I kept asking him questions about this "lawsuit" and who he worked for and he got frustrated and hung up on me. I called my mom and she explained to me that this sounded like a scam to get money out of me. Thankfully I didn't send that letter and he got nothing from me, however for I was stressed and forced to tears trying to figure out what was going on before I knew the truth and I think my boss heard about 75% of my conversation which is very inappropriate and made me look bad. I want for this to not happen to anyone else.

Well, I do have gastric issues with my stomach that causes a lot of pain when I am overwhelmed and stressed too bad. I received that pain during that phone call and after until I could take my prescription.

Yesterday at 16:10 PST, I received a phone call from a man with a very heavy accent. The number that called was 11111xxx. I did not answer. He left a voicemail with a number to call back so I did. The man was very confrontational. He did not let me ask questions or anything. He stated that I was being sued for "check fraud, stealing and violations of law."

He said that a subpoena was sent to my place of work that day. Told me I need to pay this loan back today or I will be arrested. A warrant would come to my place of work and I would need to post bail and pay all legal fees. Unless, I settle OOCR - Out of Court Restitution, which entailed a notarized letter from me stating I did not mean for this to happen, I will pay $350 by 11:00 today April 8th, 2010. As well as paying the rest of $914.32 that needs to be paid by the end of the month. I did not do any of this.

By the time I was done with him, it was past closing time so I contacted them today. I was trying to ask who he works for and a license number. How much I had received in a loan? When it was deposited? How it would read on my bank statement? He would not give me an answer to any of the questions. I then checked my credit report to see if anything showed up and no, it did not. Even though he said it had been reported.

Do not buy into this scam. Nothing has been sent to my home or job. And if they continue after I tell them to stop, I do hold the power to sue. I have not been in contact with them since early this morning. I am 24 and do know my rights and what debt collectors can and cannot do. This is illegal! Please no one pay! I was scared out of my mind. Getting ready to start a career and this happens. I was frightened. Then I talked to everyone I could and we figured out it was a scam so I would send anything!

I received a call from a David Cooper saying that Insta Cash USA was going to sue me for Check fraud and numerous other things saying that I took out a loan and never paid it back. He was heavily accented (sounded like he was from the Middle East) and I had trouble understanding him. He said that he would be sending a subpoena to my place of employment. I got scared but I think it was a scam to get money from me. I am going to call my bank and change my account. When I asked him for further information, he wouldn't give it to me.

This morning I, too, received numerous phone calls from a phone number in California. The person had a heavy accent and left a message for me to call the number back with my attorney's name and phone number. He said I had a suit against me from Instant Cash USA. When I tried calling the number back that was left, I got a fast busy signal. Later this afternoon, another phone call came. This time I answered it. The same heavy accented person was on the other end with the same story that I was being sued for check fraud, theft by deception among other things. After this, he said their attorney would be on the line. I swear it was the same person because every once in a while he would throw in an accent. He tried telling me the same thing and a subpoena would be delivered to me at my work. I told them to go right ahead. He quickly hung up. I will be closing my bank account today.

This Insta Cash phone call ring is a scam. I, too, received several phone calls from someone with a heavy Indian accent talking about check fraud, federal bank fraud, etc. I have never even heard of this company and I never took a loan from Insta Cash. He had my email address and my cell phone and work phone numbers (it was scary!). He said that a lawsuit was being downloaded against me tomorrow and that he needed to send information to my attorney concerning the fraud I committed. Of course, I asked to speak to his attorney and someone else came to the phone who was just as phony.

It is good that I am an attorney and I know the laws concerning debt collection and legitimate lawsuits. There is no way a legitimate debt collector can sue you for anything without giving you prior written notice. This is a scam. Do not give them your personal information and do not send them anything via fax, mail, or otherwise contact your local Consumer Fraud Bureau or the Attorney General in your state, who will take the information and investigate.

I got annoying phone calls and harassment at home and at work.

A person called my work phone and left a message at 9:43 am Saturday April 3, 2010. He said I need to call him and give him my attorney information and if I did not return the call, "Good luck and God be with you as this case unfolds." This person said his name was James M although he had a heavy accent. I called the number back and the same person answered the phone but this time said his name was Kevin P. I asked him several questions and he said I owed for a payday loan. He was unable to tell me who I owed and when the loan was given. He said I owed $745.75. I kept asking questions since I did get a payday loan but it was already paid in full. He got upset with me for asking questions and hung up on me. I called him back and he said there was nothing I could do and that the police would be at my place of employment first thing in the morning to arrest me for violation of something, check fraud and theft.

I continued to ask questions and the only thing I could get is he worked for attorney by the name of James P. He also told me that he had my dad's name and that is also going to be sued because he was a reference for me. I asked what I could to resolve this that I could have the bank sent him my bank statements proving that the loan I received was paid in full. He said that this bank statement could be altered so that would not work. He placed me on hold to talk to Mr P, the lawyer.

He then got back on the phone and said that I would need to fax over a notarized letter with a copy of my photo ID stating that I am withdrawing from the case and make payment of $745.75 by the end of the day or it is going to be filed. I am really scared that they are going to show up in the morning to arrest me for something that I did not do, however, I am not willing to pay them that kind of money for something that I did not receive.

I contacted the company that I received my loan from and they are not associated with Instant Cash and my loan with them is satisfied. Please let me know if there is something I can do. I have seen several others that have received the same phone calls. Do they actually try to go after any of you? And should I change my checking account number? I am not sure at this time other than I am sick to my stomach as I got this information this morning when I got to work and checked messages. I am still going to have to talk to my employer as they said they will be here in the morning. I am so upset right now and not sure what to do. I have contacted an attorney that I used to work for.

About 10:30am, this guy called and said he was with a law firm that was representing InstaCash for a loan I took out Sept. 11, 2009 for $2000.00 and since it wasn't repaid, I was being sued for $5000.00. I told him I knew nothing about that and that I never took out a loan from them. He asked me if the last for digits of my Social Security number were 5214 and said "no".

He insisted and became angry and said papers would be served on Monday April 6 and that on Tuesday an investigation team would arrest me, they would call my employer and have me fired and my credit record would be destroyed forever. I told I didn't know what he was talking about and that I could hardly understand him because of his foreign accent and because he was hollering at me. I was getting real upset to almost tears and my husband said he would talk to him.

(husband-Mike) When I got on the phone he explained that my wife was going to be arrested on Tuesday and taken to jail. I asked for what reason and he told me she took out a loan from InstaCash in September and when they went to take the payment out of our account, there were no funds available. I asked him how the loan was made and he said from our e-mail. I asked him what our e-mail was and he gave me the wrong answer 3 times, he finally paused and added the underscores that made it correct. When I asked him my wife's SSN he gave me mine and the reference given was our daughter's boyfriend. When I asked for his/their e-mail address, he got mad and called me a liar for telling him our e-mail was wrong and that we didn't theirs. I did get his phone number though so I could give it to the Sheriffs Dept. when I filed my report of this incident, the number is 408-608-0924 ext 786, and the person that called said his name was Bryan **.

This phone call was the first of any type of correspondence from either InstaCash or this firm suing my wife. I went back from May of 2009 to February 2010 in our bank statements and found no deposit for this amount. My wife and I also went to the bank, Wells Fargo, and had them look and they could not find any record of a deposit from InstaCash going into our account.

This guy said my wife would be arrested, put in jail, and she would be sued for $5000.00 and that her employer would be called and she would lose her job. He also said her credit history would be destroyed forever and that she would never be able to get another loan. Said an investigation team would come to school where she worked and arrest her, and I said forget that we are on break anyway. He accused me several times for lying to him. I asked him if I could speak with the lead attorney in this matter and he hung up on me. Then he called me back and got mad again and asked why I hung up on him. I said I didn't and that we got cut off when he tried to transfer call or what ever he was doing.

The mental anguish and defamation of character of this firm and this associate of theirs, Bryan **, I should be suing them for those two areas and punitive damages caused by all the stress and anxiety he put in our lives. Lets say 1 million dollars and maybe they will quit this type of harassment and the scam they are running.

I received a call at 8:30 a.m. today from an odd number so I didn't answer it. They left a message and it was a woman giving me another number to call and told me or my attorney to contact the number and if I didn't, she could only wish me luck with the situation that was going to unfold upon me. I called the number back she called from and it said it was not a working number so I called the number she left on my voicemail and a man with a heavy accent answered and told me that I needed to be in court in California at 4:30 on Monday and I was being sued for several things. The only one I made out was theft by deception.

He told me I received a $300 payday loan in October of '09 that I didn't repay and the cost for prosecuting me was $5,400. I told him I never received a payday loan and he hung up on me. I called back and asked the date and he hung up on me again. So I went to the bank and got my statements and there was never any money put in my account. He new my SS#, my email, my phone number, address, the name of my bank and they even called my husbands cell phone for me. I hope they are caught and prosecuted. Because of this, I was late for work because I went to the bank to make sure nothing was deposited and I am also pregnant and high risk and did not need the stress of this.

This is a follow up on the scam artist from yesterday. Today, I called these idiots back, and the same man answered the phone, this time, saying his name was Dean **. I told him he sounded exactly like David **, and he got a very nasty tone and said he sounded nothing like David ** and hung up. Please control these situations. Don't give them any information, and make sure they know that you know they are a fraud.

The person, stating he was an attorney, contacted my wife at her job stating that she had defaulted on a payday loan. He would not any specific information about dates, amounts, what company issued the loan, etc. However, he did have the last four of her SSN and last four digits of our joint checking account. My wife did not apply for any payday loan, much less did she receive any deposits from one, and we have the bank statements to prove this.

He did tell her she could settle the suit by making a payment of $900 dollars over the phone using a credit card, which she did not. He threatened her and said she would be hauled into court by his investigative team this coming Friday, in California. We have closed that bank account, contacted the police, and we are a little uneasy about the whole ordeal.

I am beyond furious. These jerks called me at work, completely startled me at first with the news that legal action had been brought against me. There were several different charges that they spouted off at me. I can't remember exactly what they were, because I was in so much shock. Anyway, they did have some correct information that was very alarming to me. All that was going through my head was what is he talking about? How does he have this information, and what is a payday loan?

He had a very thick accent, so often I was asking him to slow down and repeat what he was saying. Clearly, this was not what he wanted to hear, and as I began to ask more questions, the angrier he got.

At first, I was clearly scared, because quite frankly, when someone calls you threatening legal action against you, who wouldn't be? But as the conversation went on, I started to understand that maybe this was not a legitimate claim; and I began to get mad, really mad. Who the hell do these people think they are? And why do they think that I wouldn't know that I hadn't received an extra $300? Mind you, the man said that I had received the cash in June or July? First red flag.

You don't know when you supposedly deposited this money? Also, why am I just now hearing about this? Second red flag. Let me not forget to mention that these jerks were very rude. I plan to make formal complaints with the Federal Trade Commission, and I sincerely hope these people get what's coming to them.

I received a call today from a guy with a very strong Middle Eastern accent. He said his name was Charles **. He was really rude and threatened me right off the bat. He said I was being sued, 3 counts of fraud, check fraud, etc. He had my personal information such as the last four of my social security number, work name, sister's name, email. I told him I didn't know of such a suit. He said that they were going to sue me. I knew where this was headed. I told him that this was a scam and he's a fraud. I told him to do whatever they were going to do. I didn't care because their claim was fake! I hung up the phone.

On 2/27/09, I was contacted by someone from the above who had my name, birth date, address, banking information, phone, drivers license and friends' name. They said I took out a payday loan and he refused to tell how much or to who I owed. It was assigned to their customer affairs and business administration unit to handle the debt for $759. He was threatening, rude and nasty, and state that I authorize their company to make the transaction and that I will not dispute any of the charges.

They also asked for a copy of my drivers license and credit card. They wanted all the materials faxed! He told me that if I didn't settle the account, that we were on the line with the court house and would send some over to me. I would be forced to appear in court for check fraud and would have my contacts investigated for fraud, too.

When I agreed to do this, he turned me over to Barbara ** who listed to me that I never received any money and that once I paid, she would get me more information about when, who and how much. She got the amount done to $559. When they took the initial amount of $200 out of my account, I was able to reach Barbara ** who told me when this transaction happened--on 11/11/09. I told her I would fax her anything I could find to prove I did not get the money.

I went to my bank, they gave me a letter indicating that I did not receive any money from Instant Cash Loans for November or December, 2009. Since then, I have not been able to reach her. Her phone rings busy all the time. I sent her a fax asking for status which went through at 952-281-2915. I have not heard from them since I sent them the bank's letter on 3/4/10--that she would check her fax messages and talk with her lawyers.

Just a little news for those who have been contacted by someone claiming to be representing Insta Cash USA and threatening legal action for a defaulted loan. I just called this number 5104174500 which is supposed to be in California. I am in PA, so the time in CA is now 7am. The person who answered the phone at this "law firm" today was Eric, again a male with a very heavy foreign accent and extremely hard to understand.

I asked to speak with one of the attorneys in the firm and was refused unless I gave the phone number at which I was contacted by them. I refused and was promptly hung up on. A couple of thoughts. First, how many law firms have a real person to answer the phone and not a service or voicemail message at 7:00 in the morning? I think not very many! Second, why the refusal to allow me to speak with one of the attorneys if they are for real? I think this outfit is totally bogus! I suggest that everyone who has been harassed by these clowns should make a call and give them just a little bit of their own medicine right back. I think I will do it again today and tomorrow and the next day and the next day. I have diabetes that is extremely sensitive to my emotions, especially stress. The harassing and threatening phone call caused a huge spike in my blood sugar that I am still working to bring down.

I received a call from 980-052-162 (the number which showed up on my cell phone) at 12:28 on March 22nd 2010. The lady on the line who had a foreign accent said that she was a representative from a law firm for Instant Cash and that I had received a pay-day loan for $350 which I failed to repay. She had my name, email address, last four of my ssn and the name of my employer. She then stated that it had been turned over this law office and a subpoena was going to be delivered to my job in the next 24 hours.

I continuously asked her to slow down and explain clearly what she was talking about. She told me that I had committed federal banking fraud, check fraud (which I knew then she was full of it because I don't even have a checking account). I was boiling mad by now. She kept asking me how often I check my emails. I told her several times daily and she then told me to check my spam or trash because there were emails sent to me regarding this matter. I then told her that if it was in the spam or trash then that's where it needed to be because it was trash and I could not understand what she was talking about so I requested that she put an American on the phone who spoke english.

She put me on hold and after about two minutes, a man who spoke clear english, started rolling off the same information she did. He requested that I take care of this over the phone and he could stop the legal procedures. I asked him to send me a copy of the contract for this loan and a phone number where I could call him back and he hung up on me. I tried to call the number back and it would not work.

They obviously blocked some of the digits in the phone number. I googled the number and it came up in Spain under several different websites. Theses people sound so real and can really make you believe you have done something wrong. Please be careful at what you do online. Once you start searching the web, you open a whole lot of doors that allows anyone to enter.

I received a call at my job this morning from someone calling himself Michael Carter. He had such a heavy accent that I could barely understand him. I asked to speak with someone that I could understand. I was transferred to another gentleman with an accent but not as heavy. He proceeded to tell me that I defaulted on a loan in Sept 2009. I am being held up as an example to others out there like me and have been chosen to be prosecuted - 5 charges including bank fraud, internet fraud, etc. He said I was being served with the papers tomorrow. They would be delivered to my home and also to my employer, so "they also know what you've done".

The sole reason for the call was to get my attorney's name and phone number. They knew the last 4 digits of my SS#, the name of my bank, my employer's name, my email address, and the names of two people I had used as references, who are also being sued. The claim is that I owe someone $798.36. They claimed not to be able to tell me exactly who I owed this money to, just that they represent Insta cash USA and Insta Cash USA has more than 300 payday loan companies.

When I asked why this is the first I have heard of this supposed debt, why I have not received any written notification or phone calls, they said Insta Cash USA had emailed me multiple times about this and they had the emails and dates and that they are not allowed by federal law to phone asking for payment. While I was on the phone with this supposed law firm, I found this website and told them I was going to make a call to my local police and report this. I was told to go right ahead and then was hung up on. The phone number I was given is 510-417 and Michael's extension is 121.

I called them back from my cell phone just to see how the phone was answered. I would think that if they are a law firm they would identify themselves as such when they answered the phone. Instead, Michael answered (I recognized his voice) and simply said "hello?". When I asked who I was speaking with he said "Michael". I asked for the name of the business and he said "this is a law firm". I asked the name of the firm and he said "are you calling from the yellow pages? "

When I said no, that I was wondering the name of the law firm, he refused to tell me. He asked again if I was calling from the yellow pages and again I said no. He said they don't give their name to the yellow pages and hung up on me. I have looked at my checking account from July 2009 to now. Insta Cash USA does not appear anywhere as a depositor of funds into my account. I can't believe that if these people are for real, I wouldn't have been hung up on twice, and why won't they identify the "law firm" they are calling from?

I received a call at 8:14 am from 518-304. The person stated they were from BNI and gave me a case number and a Badge ID. And they were going to bring 5 criminal charges against me: Federal Banking Violations, Collateral Check Fraud, Breaking of Contract, Deception and Internet Fraud. They stated I needed to send in $625.48 or they would send in the case against me because I took out a loan at Instant Cash USA (which I did not) and I never paid them back. At first, I was nervous because they had "some" correct information, but not all of it was. They had very thick foreign accents. I ended up telling them to send me the proof and I will see them in court. I also called the police to report the number that called me.

I received a phone call at work on Thursday, March 18, 2010. This man Brian **** stated that I had taken out a payday loan at Instacash in 2009 and I didn't pay it back and that I would be charged with theft by unlawful taking and criminal mischief. I told him I had not applied for a payday loan at Instacash. He said that his Investigating team would be at my work on Monday to pick me up.

He has my SS number, work number, DOB, my checking account number, home phone number, names of passwords that I use commonly. I told him to send me something in the mail certified and he said he had sent me 14 emails and I didn't respond. He said he had an affidavit against me. I laughed at him and he got upset and said this was not a laughing matter and hung up on me. I received another call on Friday, March 19, 2010 from a Shaun **** claiming to be the supervisor and he stated I needed to resolve this matter. I told him I would see him on Monday when his investigator came to see me. He hung up on me also.

During the last 2 days, I have received numerous phone calls from this Insta Cash place that you all are speaking of. The first day, they told me read my name, birth date, address, and of course, they had my work # because they called me at work. They said I took out a payday loan for $1,399 and they are the collection agency assigned to handle the debt. He asked me to fax a bunch of personal information (ss#, name, birth date, etc) and state that I authorize their company to make the transaction and that I will not dispute any of the charges. They also asked for a copy of my driver's license and credit card. They wanted all the materials faxed! He told me that if I didn't settle the account, they would send a sheriff to my place of employment and I would be forced to appear in court in CA for check fraud. In addition, they would seize my possessions.

Today, they called and kept asking for the CEO and repeated numerous times to the admin staff that they will send someone with a search warrant to the business if they cannot speak to the CEO or speak with me! I reported it to non-emergency police, the office of consumer affairs in my county, and the federal trade commission. Not sure where to turn when something like this occurs.

I received a phone call at around 7:20, I missed it and a message was left for me to call back. If I did not, they could only wish me the best of luck as my case unfolded. Well I called back, spoke with David ***, who had a very heavy, heavy accent. He told me that I was being sued and that they would be at my job in two days to arrest me and I would be going to court in California. The sad part, they called my personal and work cell phone, they had my social & account number, my sister's name, as well as date of birth.

I asked if I could solve the problem and he said no. I was told that I had to take out a payday loan, of 300.00 and had to pay 6000.00, and if I paid 645.37 by credit card only they would close the file. I took off a day from work to go to all my banks, as well as to the local police department to report these phone calls. I was scared and lost a day of pay for this foolishness.

I received a phone call around 2:30 p.m. on 5/6/10 from a man representing Insta Cash. This man had a very thick accent and it was very hard to understand his words. I asked him to slow down and repeat what he was saying, because he was talking so fast I couldn't understand him. So, he started over and said that I had received a loan from Insta Cash in November of 2009 and had not paid it back. And now I would be taken to court and be expected to pay up to $8000 in court fees to get this taken care of.

I told him that I had never taken out a loan from this company at all and did not owe any money. He then proceeded to repeat the information again. The scary thing was that he had all of my personal information - my social security number, my email account, my bank and routing number. This made me think that maybe I did apply for a loan through this company.

I had already received a payday loan from a different company but not the Insta Cash Company. I am very worried that I will be taken into court over this, but I should not have to be worried because I did not receive any money from them. I even checked with my bank and there is no deposit at all from Insta Cash on the date that this person gave me. I need some reassurance that this situation is not real and that these people will not be taking me into court over this. I am just waiting to see if they come to investigate me. But if they do, I will have to find a lawyer and be prepared to defend myself on something that I didn't do.

I received 3 voice mails before calling back to the number they gave me. Once they answered, they immediately asked me to verify my social security number but would not tell me who they were with or what company they were calling from. They stated, I have an outstanding payday loan that my bank failed to pay the fees. They told me they are suing me in a California criminal court for fraud, theft and issuing worthless checks. When I asked if they could send me documents on this, I was hung up on.

They have threatened me with arrest and criminal and I am fearlful that since they seem to have all of my information that they will be able to access my personal life.

They left a message on my voicemail telling me that I had to call this number back the very second to get the message. It said do not disregard this message and if I did not return their call immediately, all they could do is wish me good luck as the situation unfolds on me. Needless to say, I called. They said I received a payday advance of $300 that I had not paid back and that the amount was now $1350 for this pay advance.

I was told that the investigators would be knocking on my door Tuesday morning and I was being charged with check fraud, theft, and violation of something. He was hard to understand. He had a heavy accent. I did have a cash advance but it was paid in full the following month. They do have the information of the bank and told me that I needed to retain a lawyer if I was not able to pay the amount they were asking. Needless to say, no more cash advances for me!

I received a call and this person stated that I owed over $5,000 and a law suit was filed against me. He stated that if I didn't pay, I would be arrested at my work the next morning. I told him that this sounded like a scam and he hung up on me. I never dealt with them or their affiliates. He called back about 30 minutes later and I stated that I had called the police and he hung up on me again. Lesson learned: do not use pay day loans no matter how broke you are. I called an attorney. I called the police. I called 'Experience" to have an alert put on my SSN. I called my credit union. I wasn't scared nor intimidated, just mad.

We have been getting calls at home and at my husband's work stating that we received a cash advance from this company and we did not pay it back. So now, we are being sued. This is a load of crap. They did not offer any proof, which obviously they can't because it didn't happen. I am reporting them to the attorney general's office and would suggest that if this happens to anyone else, you do the same. I believe this to be a scam. This incident has caused our family much stress and these people need to be stopped!

I received a voicemail stating that my husband Victor was going to be sued and arrested for a loan taken out by an unknown company in June 2009 and that he had to appear in court in California where charges were filed, or pay $545.30 or be sued. He never gave the name of the original company or an account number, he did give me a file number. I need to verify the information and find out if this is a fraudulent attempt to extort money.

I was in the shower and received 3 calls on 2/11/10 with immediate hang ups when my voice message activated. I exited the shower and approached the telephone at which time, the 4th call came in. I spoke then with a man with a heavy oriental accent and I could barely understand him and had to ask him to repeat himself several times. He purported to be an attorney stating funds were deposited into my account and I failed to repay the said funds. Also, he stated it is too late for me to take care of this and I will be served with a subpoena if I don't pay and that I was being sued and will be arrested. I told him that I was called approximately 1 month to six weeks ago for what I suspect is the same incident and that it was resolved.

I proceeded to tell him that I haven't had a payday loan in over 5 months and will never have one again. I really don't know what he was talking about. I do not owe anyone money for a payday loan. I told him that apparently, there was no reason for him to be harassing me. He put me on hold for an extensive time. When he returned, he informed me that a Mr. Peter ** will be calling me and asked that I accept his call. This is causing me stress and anxiety. I received a phone call from a Mr. Peter ** on Feb. 12, 2010 at 5:00PM Central Time.

He also had a very heavy oriental accent and I could barely understand him as well. This was the same Peter ** I talked to on January 13, 2010. He asked my name, stated the last 4 digits of my social security number, verified where I used to be employed and my sister's name who was a reference. Then he proceeded to tell me that that my bank did not honor a payday loan payment and I am being sued and that I will be arrested for a loan that I applied for in 2009.

He was very rude. He also stated that they will go after my sister. At this point, I interrupted and asked him "what are you accusing me of? What do you want from me and what does my sister have to do with any of these accusations? She is listed as a reference, nothing more and you are talking to me now. What is your problem?". I stated, "if my bank did not honor a loan payment, why has it taken 3-5 months before someone has called me?". I informed him that I do not know of any loan payment that was not honored by my bank and that if he wants me to pay for such, he should provide me with documentation that indicates I owe money. He then stated I will be sued for $5,000.00. I told him I did not appreciate his tone or the accusatory manner in which he was handling me. He then said have a nice life and hung up the telephone.

I called back and a different man picked up the line. I identified myself and he confirmed that I had previously been speaking with Mr. Peter ** and that he had been informed that he may be receiving a call from me by Mr Peter **. This man also had a very heavy oriental accent and stated that he is an attorney and Mr. ** is the collector, that he could only tell me that the company is InstaCash USA and that they represent most of the payday loan companies in the USA. He also stated that my bank did not honor 2 payday loans and with fees total $1000.00+. He then proceeded to tell me that Monday is a holiday and that the proceedings would be initiated on Tuesday, Feb. 16, 2010. I informed this man that I had resolved a similar issue on 1/13/2010 and that I do not know of any other issue, that I asked that question in January and was informed there was none.

He then threatened to call my employment and issue the subpoena there at which time, I informed him I no longer work there and was retired. He said, "you got a retirement check". I interjected, this is none of your business and again asked, what is it that you want from me? He put me on hold. Upon his return, he reiterated that they were going to issue the order and I interrupted telling him that I will give this issue to my attorney on Monday and they can deal with him. This has caused me undue stress and anxiety. If indeed my bank did deny a payment, I was and I am unaware of it. Additionally, if they are collecting a debt, they certainly have bizarre tactics.

Not once did they initiate an opportunity for me to pay or settle or provide me with any proof of money owed to anyone, i.e. the name of the payday loan company. They were all about threats, harassment, accusing, judgmental and abusive behavior versus trying to collect or settle a perceived debt. I am very angry with the way I was treated. I am angry, upset, have anxiety and can't believe the way I was handled by InstaCash USA. There is a lot of room for improvement in their tactics. If my bank denied payment to a payday loan company, it could have been resolved at that time and certainly with proof and professionalism could have been resolved on 2/12/2010.

I received several calls from 714-, then 2 voice-mails were left to call 408-. Mark ** has threatened that I needed to call back, due to the time sensitivity and said "God save you Raquel, if I don't hear back from you". I spoke then with a Mr. ** who purported to be an attorney, stating funds were deposited into my account, and I failed to repay said funds. It is too late for me to take care of this, and I will be served with a subpoena and my SSDI funds will be taken from me. I told him apparently, there was no reason for him to be harassing me, or his staff, and wished him a good day. I have never received funds to the bank account they mentioned. Obviously, I received SSDI for a reason, and this is causing me undue stress and anxiety.

I received a phone call on Feb. 5, 2010, someone telling me that I am being sued and that I will be arrested for a loan that I applied for in July of 09. They have all my info SS# everything. I called my bank to verify info. So I called instacash back. They were very rude. Told me to stop calling and said that they don't do business with [racial slur]. They said that they are going to take my SSI check.

They called my job and said that I was being sued in California and had to be in court on Tuesday, January 26, 2010 when I live in Tampa. They said that if I sent $300.00 today, he would withdraw my case from the court by 5:00 pm today, January 21, 2010. I have never had a loan with InstaCash or any source. I don't have any idea who these people are or what they are talking about. They said that I was going to be arrested and then had to pay more money. They had a lot of information on me. I have a loan with another company but I called them and they verified that everything was fine. I don't know who these people are. They called my, and I am afraid to lose my job over all of this. Who are these people? I can lose my job over this because they called and threatened to send law papers to my boss.

I received a threatening voicemail from "Vak" at 7:33AM stating I needed to call "immediately", or he could only say "good luck". It was barely understandable. I called the number and was greeted by a heavy Indian accent. The person stated he was an attorney, but refused his firm's name. He stated I was being sued for a Payday loan that I received in California in the amount of $350.00 in December of 2008. He stated I was being sued for $795.12. He said I had 2 cosigners on the loan and they were being sued as well. He then said I was being served a subpoena on Saturday. The bank account he mentioned has been closed for over 2 years, but he also had my social security number.

The name of the company is Instant Cash.USA... I never even heard of this comapany. however the knew the last for numbers of an old bank account that I had closed and possibly my social security number.

I received 11 phones calls from this company. I was left a voice mail from Mark A who adv I needed to call the second I received his voice mail if I didnt call back then this matter would unfold on me and all he could say was he wishes me the best of luck. I was advised by this Mark A that he was calling form an lawyer office and I was being sued for Check fraud, bank fraud and 3 other things. When I question them they got rude and adv they will send my attorney paper to me in the mail. I adv to send them. Then they ask me if I still bank at my bank. I told them of course none of thier business. They hung up on me.

Later that night they called me agin huhu called right back told me not to answer my phone hung up on me called again told me to stop answering my phone cause he liked my answer tone once againg hung up on my. They called me one more time hung up. I went to my local police who adv me to call the following day and speak to the private invesgator. So i did and all i was told thier is nothing they can do cause no crime has been committed and they were out of state.

She called my job yesterday asnd said it was a very urgent matter and that i had to come to court in California when I live in Alabama. I told there was no way. I never got approved for the payday loan. From then on they are supposed to shredd up all my information. They keep calling my job and worrying me she says that they informed the police in my city and why haven't they come to me. Its a hassle but the bank account i had then i've been closed it because of fradulent imposers like them.

they say i got a pay day loan wich i never recieved the money and they are prosecuting me for something i have no knowledge of. i am trying to get into school. just had another baby. i dont need this