Internet Crime Complaint Center has received many complaints from
victims of payday loan telephone collection scams.
claim the victim is delinquent in a payday loan and must repay the
loan to avoid legal consequences. The callers purport to be
representatives of the FBI, Federal Legislative Department, various
law firms, or other legitimate-sounding agencies.
claim to be collecting debts for companies such as United Cash
Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet
to complaints received from the public, the callers have accurate
data about victims, including Social Security numbers, dates of
birth, addresses, employer information, bank account numbers, and the
names and telephone numbers of relatives and friends.
the fraudsters obtained the personal information varies, but in some
cases victims have reported they completed online applications for
other loans or credit cards before the calls started.
fraudsters relentlessly call the victim's home, cell phone, and
place of employment. They refuse to provide any details about the
alleged payday loans and become abusive when questioned. The callers
have threatened victims with legal actions, arrests, and, in some
cases, physical violence if they do not pay. In many cases, the
callers harass victims' relatives, friends, and employers.
fraudsters have instructed victims to fax a statement agreeing to pay
a certain amount, on a specific date, via a pre-paid Visa card. The
statement further declares the victim will never dispute the debt.
you receive these calls, do not follow the caller's instructions.
Rather, you should:
your banking institutions.
the three major credit bureaus and request an alert be put on your
your local law enforcement agencies if you feel you are in immediate
a complaint at www.IC3.gov.
to avoid becoming a victim of this scam:
give your Social Security numberâ€”or personal information of any
kindâ€”over the telephone or online unless you initiate the contact.
suspicious of any e-mail with urgent requests for personal financial
information. The e-mail may include upsetting or exciting but false
statements to get you to react immediately.
filling out forms in e-mail messages that request personal
that your browser is up-to-date and security patches have been
your bank, credit, and debit card statements regularly to make sure
that there are no unauthorized transactions. If anything looks
suspicious, contact your bank and all card issuers.
you contact companies, use numbers provided on the back of cards or