Complaint Review: Cashnet - Nationwide

I experienced almost the same set of circumstances, but almost 2-3 years after the supposed even occured. This is what happened in the last 4-5 hours of my day. I received a call from 941-961-8518 from a woman with a very heave accent, I couldn't really understand what she was saying, she confirmed the last 4 of my SSN, and my name, as well as a previous mailing address. She informed me that cashnet is seeking a judgment against me and filing fraud charges against me for receiving a payday loan from their company and never repaying it. The lady was very rudy right at the beginning of the conversation, I was trying very hard to understand what she said, and when I asked her a question to confirm what she was telling me she told me not to interrupt her and to let her finish what she was saying. She told me what the situation was and then asked me If I had ever had a judgment against me, if I ever had any fraud convictions, and another question that I can't remember; I happily answered no to all 3 of her questions and informed her that I had not received a payday loan from cashnet, I had applied for it, but it was never approved. She then transferred me to her supervisor.

A gentlemen got on the phone and was a little bit easier to understand (still a heavy accent). He informed me that the company that he was calling from was a law firm that was representing "cashnet" and explained that they were seeking damages of $950.00 (which included fraud and other fees) for a electronic funds transfer that had been sent to my bank account sometime in 2007. I attempted to get more information from him. He again confirmed the last 4 of my social security number, the address I had at the time, my bank account number and routing number, my employer information, and the two people that were listed as referrences on my application. He asked me for my attorney's fax number so that he could fax over the information verifying what he was telling me. I told him that I didn't have an attorney, and asked if the information could be faxed to me directly. I was informed that the information couldn't be faxed to me because it was illegal, it could be faxed to an attorney representing me because the attorney would somehow be able to handle and understand the paperwork. I asked the man, if I was understanding him correctly in that they information regarding the supposed case against me could not be given to me directly, but given to an authorized third party. He confirmed that somehow that was correct.

I again attempted to get more information from the man regarding the supposed electronic funds transfer to the bank I had at the time, and I wasn't given any other information other than the transfer occured sometime in 2007. I ignorantly provided him with my current physical address because he told me that a representative from their office was going to be coming to my home on 4/6/09 or 4/7/09, and to make sure that I had someone available to bail me out, and that I had would have to pay $4000-$5000 in front of a judge. My wages are going to be garnished/levied, and on top of all of I could lose my job because of this action. They had been trying to contact me by email under cashnet, I asked him for the name (sender) that would occur on the email and he told me cashnet, I was then provided me with a phone number of 714-409-0388 to call back if I had any questions, and that was the end of the conversation. He also told me that his next call was to my work to inform them of this fraudelent action that I took on the internet.

I immediately started to panic, thinking, oh my god I'm gonna lose my job, and have to go to jail because of something that I may or may not have actually done.

I contacted the bank that I had at the time to request copies of all my statements from 2007 to look for this mysterious deposit that I received. That could take up to 5 business days to get the information. I called my local Better Business Bureau to find out if this was a scam or for real. They told me that if I really did owe them any money that it would show up on my credit report as being assigned to a collections agency or something. I pulled two of the three credit reports and sure enough nothing was there from cashnet.

My husband told me to do a search of the call back number on google, and that's when I saw that this was all a possible scam. To make it even better I called customer service for cashnetUSA and was informed that I myself didn't have an account with them, but they did have an account for someone else using my SSN. The application had been never been completed and no money was ever given to this person that used my SSN.

Cashnet told me to contact my local police department to report the possible identity theft, and then to call them back when I had the police report. The representive that I talked to was very nice, and provided me with the name and address of the person listed under my SSN with them.

Its a weird concindence that they had an application from somebody using my SSN, but not with my name or any other information.

I'm now waiting for the beginning of the week to roll around to see if someone is really going to be coming to my door, the bank statements, and any other information that may be needed.

This really scared me, and if it wasn't for people that put on a message on the internet about this being a scam, I would be extremely concerned for my well being and that of my family's as well.

Janel

Fresno, California

U.S.A.