UNITED CASH LOANS Major Ripoff Carson City Nevada
My husband was a victim of ID theft due to an advance loan fee scam through TRANS CREDIT FINANCIAL. Once he was aware of what had happened, he contacted all online payday loan places and told them what had happened and I faxed the police report/fbi report and the ifcc report to them.
United Cash Loans has been threatening to have him arrested and wage garnishment, and severe harassment at his place of employment, which is a violation of the fair debt collection act. They have been notified to stop calling at work, and they keep ignoring the request. Since a copy of the report to the FTC was faxed to them, they have calmed the calls down at his place of employment. The officer who took the report said that they can't legally file anything due to having a open police report.
On 9/13/2005 I received a phone call from a woman named Christina supposedly from United Cash Loans, and she stated we had 48 hours to pay 510.00 on a 300.00 loan for procedures would begin. I informed her that I had all documented proof of the theft and that they are not licensed to do loans in the state of Nevada. Christina told me to prove it and I faxed the documents to her from the Financial Institution in Nevada that they had sent me. She then called back and told me she wasn't from United Cash Loans and she was from Pinion Management in Carson City, Nevada.
I told her she was violating our rights with her threats and that I would have the officer who took the report contact her and she stated I didn't have the guts to do that. Within the hour, the officer called and told her she had two choices, either cease and decist the threats or criminal charges would be filed. She stated that we were stealing money from them and he stated to her that it isn't stealing when no check was signed and being a victim of ID theft. We only have to pay the 300.00 back because they were notified of our checking account being closed due to the id theft, and that they are the ones who chose to keep trying to debit a closed account. Christina has to take $25.00 monthly payments til the loan is paid in full.
Does anyone know anything about Pinion Management? If you do, please let me know who they are and if they are a scam collection agency like Ellis Crosby and Associates.
Tammy
Clarksburg, Tennessee
U.S.A.
3 Updates & Rebuttals
Tammy
Clarksburg,Tennessee,
U.S.A.
In respose to Ken
#4Consumer Comment
Sun, October 09, 2005
In response to Ken. United Cash loans states that it didn't happen on their site, so the money is still owed.
Ken
Randolph,Massachusetts,
U.S.A.
Unclear on the concept...
#4Consumer Comment
Mon, September 26, 2005
I am confused, if you were a victim of identity theft, why do you owe them any money at all?
Jennifer
Willoughby,Ohio,
U.S.A.
Ellis Crosby & Associates - Payday Collection Agency
#4Consumer Comment
Mon, September 26, 2005
I too was contacted by someone at Ellis Crosby and Associates. The person who called me told me that they were an attorney and that I had to pay almost $100 for a $300 loan because they kept attempting to debit my bank account but the money wasn't there (because I was the victim of an advance-loan scheme, never received the loan I was supposed to get, and therefore, couldn't pay for the cash advances I took to get the loan). They threatened to file criminal charges against me and since I'm going to law school, I had to make sure that wasn't true. I ended up making a settlment with them for about $500 so that they wouldn't file charges. I contacted my attorney and filed a civil lawsuit against them for numerous violations of the fair debt collection act. At first they ignored my lawsuit and right before a default hearing was set in my case, they contacted the court and asked for a continuance. If I were you, I would sue them as well and put them out of business once and for all. If you want the name of the attorney I used, let me know.