Complaint Review: Capital Corp Collection for Cash Advance USA - Miami Florida

Today, I received a phone call from a friend of mine telling me that they had received a phone call from this company and the caller was very rude to them. They wanted to know what was going on.  I never received a phone call from this company today.

I took the phone information and called, I "spoke" with a Mr. Jerry Garcia regarding an outstanding payday loan from Cash Advance USA that I had taken out in 2007 for $250.  This loan according to the documents was to paid off in 8 equal payments of $ 50 for a total of $400.  Well, apparently, I had been paying this $50 a month for more than 2 years.  I called the original creditor in May 2009 about situation, and they said that I could pay a lump some of another $250 and the loan would be paid in full.  I argued with them for a while, and then figured I had already lost so much money maybe another $250 was worth it. So, I authorized the one time payment that they took out.

During this time, my father passed away and was dealing with his estate as well as my grief, and was not paying close attn to my own fiances.. BIG MISTAKE no HUGE!  Turns out until the middle of September 2009 they were still taking $50 every 2 weeks for this loan that should have been paid off long time before.  I called and spoke with a RIcardo Berry who said that if he did not call me back within 48 hours that I should consider this paid in full.  I explained that I was changing banks and needed to make sure that this was finished before I did.

Well I did not hear from Mr. Berry and closed my file on this loan.  Well, on December 28, 2009 I received a phone call stating that if I did not pay in full by the end of the year I was going to jail.

Again I tried to show proof that payment in full was already made. I heard nothing until April 2010, when I was contacted by "Law Office of Capital Corporation" and Johnny Perez about a debt that was owed.  I e-mailed Mr. Perez my information regarding payment, and considered the matter closed.  UNTIL TODAY when my friend got this phone call from Mr. Jerry Garcia threatening her, telling her that she was responsible for my account and that now she owed $400 if I did not pay, and she would be investigated for check fraud and her credit would be ruined. When I opened my e-mail, saw that I received an e-mail from Mr. Garcia, saying that my friend had called him crying because of my failure to pay a debt. That was about the farthest from the truth as it could be. I called and spoke with Mr. Jerry Garcia, who was cussing me, refusing to listen, and allow me to provide proof that debt was paid, that I had sent to Johnny Perez and even called me a liar because proof did not exist. He then threatened to have me arrested tomorrow morning, and fax proof of my debt to my employer.  When I inquired the name of my employer I was told "For me to know and you to find out, I am very good at my job"  When I asked the name of the attorney that he worked for(more than a dozen times) I was told that he did not have to provide me with that information because it was none of my business. He then ended the call by telling me that he was going to call my friend back and tell her that I was refusing to pay the debt.

While I was on the phone with my friend, he did in fact call her back and threatened to call her every morning at 5 AM until I decided to pay this debt.

When you go to their website, it shows them as a debt collection agency NOT a law firm which is what they hold themselves out to be, and when you ask about that, they get very hostile.