Advance loan America – Feasible Collection and Advance Fee Loan Scams

Advance loan America – Feasible Collection and Advance Fee Loan Scams

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

The Washington state dept. of Financial Institutions (DFI) warns customers never to provide any nonpublic individual information, such as for instance social security quantity, bank card, or banking account information to virtually any specific, internet site, or business without first verifying their identity and permit status. Customers can see whether a economic solutions business or person is precisely certified to conduct business into the State of Washington utilizing the “Verify a License” function from the DFI’s website at Customers also can always check permit status using the Department of Licensing at

DFI has gotten reports of obvious frauds carried out by people claiming to express Advance America, money America, cash loan America, cash loan United States Of America, Speedy money, and Advance America pay day loans.

Many customers received telephone calls and/or emails from individuals claiming to represent cash loan America, money America, and Advance America pay day loans in which the callers offered loans in return for upfront charges. Although a few customers never sent applications for a cash advance, the callers insisted they had been calling to go over the customers’ pay day loan applications. One customer stated that, whenever she declined to wire money towards the caller, the caller threatened action that is legal her. Various other customers compensated the upfront charge but failed to have the loan promised. A minumum of one customer additionally received a comparable loan offer via email.

Two consumers reported getting a call from a person claiming to represent cash loan America. The consumer was told they would receive a deposit and was instructed to purchase iTunes gift cards and send them to the caller in one case. The buyer complied with all the caller’s needs; nevertheless no loan ended up being supplied. Within the 2nd instance, the buyer had been told to buy a Bing Enjoy present card from a nearby store to be able to show the customer could repay the mortgage. The buyer purchased a gift that is amazon rather once the customer suspected it might be a scam. The customer contacted the representative that is alleged the buyer recognized as Brian Jones. She purchased a different type of gift card the consumer stated that Mr. Jones became very upset with her when she told Mr. Jones.

A few customers had been contacted by individuals claiming that these were gathering a financial obligation owed to cash loan America, Advance America, or Speedy money. One consumer reported receiving harassing that is multiple calls. The caller advertised that the buyer owed a financial obligation for a 2007 cash advance but declined to produce every other information regarding your debt. The buyer stated that he failed to sign up for any pay day loans in 2007. An additional instance, a consumer received a text demanding repayment. That customer stated that he never ever had that loan.

Two consumers reported emails that are receiving people claiming to represent cash loan United States Of America. paydayloan The e-mails suggested that the customers owed for a so-called financial obligation and had a need to pay immediately in order to prevent further action. Both customers reported never ever acquiring that loan with cash loan United States Of America.

In 2 other cases that are separate consumers received a contact that stated the “Semrad law practice” is managing the collection in the event that customer failed to spend funds. One e-mail stated it was from “Kristen Johnson” when you look at the “Accounting Department,” and also the other“Nik that is stated Ramon in the “Settlement Department.”

A consumer received a letter that claimed “Pacific Legal Group” would be handling the collection if the consumer did not pay a settlement in another case. The page threatened that a action that is civil recently been filed and unlawful action and wage garnishment could be forthcoming in the event that settlement quantity had not been compensated straight away.


  • Pacific Legal Group, Computer (san francisco bay area, CA)Pacific Legal Group, Computer has provided the statement that is following customers regarding their company tasks: “At the current time, Pacific Legal Group, PC does not have any customers in Washington State, but we do provide appropriate representation into the Ninth Circuit Court of interests Washington State residents. Pacific Legal Group, Computer will not make any unsolicited telephone calls to customers. All telephone calls created from our firm likewise incorporate caller ID with this mail cell phone number: (415) 746-1470.”
  • Pacific Legal Group (Provo, UT)Pacific Legal Group has furnished the after declaration to customers regarding their company tasks: “Pacific Legal Group” based in Huntington Beach California is certainly not related to Pacific Legal Group, an authorized d/b/a/ of Avery Burdsal and Fale, Computer with workplaces in Utah. As the Huntington Beach company has utilized name that is similar logo, and font as Pacific Legal Group in past times, Pacific Legal Group’s website referenced in every communication is Further, all interaction from Pacific Legal Group will reference the Utah also telephone number (801) 788-4122, therefore the workplaces in Utah. Furthermore, we usually do not typically do commercial collection agency work.”
  • Pacific Legal Foundation (Bellevue, WA and Sacramento, CA)
  • Pacifica Law Group (Seattle, WA)
  • Pacific Legal Group (Bangkok, Thailand)

P.O. Box 1474 Huntington Beach, CA 92647

DFI cautions that unlicensed entities often practice particular practices that indicate these are typically committing a fraudulence or Washington State that is otherwise violating legislation. By way of example, such entities usually utilize non-business e-mail details (such as for example,, or any other comparable easily obtained email addresses) to deliver communication, threaten legal or unlawful action if customers try not to respond immediately, or have many different typographical and spelling mistakes within their communication to customers.

Nonetheless, on occasion, emails or letters from unlicensed entities participating in fraudulent task will include accurate private information, such as for instance present or past details, active cell phone numbers, or social protection figures. The Department encourages customers whom get communications containing private information to contact their banking institutions, credit-reporting agencies, plus the Social protection management to make certain there is absolutely no unauthorized task on the records.

Commercial Collection Agency Laws

From you, the collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA) if you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect. You should request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA if you receive a communication from a party claiming that a debt is owed. When you have concerns regarding business collection agencies laws and regulations, contact the Federal Trade Commission at 1-877-FTC-HELP, or online at

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

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