Complaint Review: National Affidavit Processing - Phoenix Arizona

I began received several calls from a Restricted number a week or two ago. I finally answered on Friday, May 22nd, 2009. A man with a thick Indian accent said he was calling in regards to a lawsuit that was going to be filed against me for an unpaid cash loan. He told me my SSN and asked me to verify it. I said no it's not and hung up. He called back within seconds and began yelling that he would be sending the local police department to have me arrested and they would be coming to pick me up at my work. I'm 19 years old and pregnant...and have cleaned up my life, so getting arrested is not something I want to go through. I got a bit flustered and asked why and he told me that I had an unpaid loan with a Payday loan company. I denied such loans, because -- although I HAD taken out payday loans in the past, I had NO outstanding loans. I am 100% sure of that. He told me that I, along with the two references on my loan data, would be prosecuted. He said that my loan was with Wells Fargo in MAY 2008. I told him that I had no account with Wells Fargo in May 2008. I asked for the name and number of the company that I had the loan with. He said it was with Advance Cash, an online payday lender, and the phone number was 360-350-1994. I asked for a phone number to call HIM back and he was reluctant at first, but I said I'd like to call him back to settle the balance, so he gave me his name and number. He said his name was Eric Johnson and the number was 518-288-0137.

I called "Advance Cash" and immediately another man with an Indian accent answered the phone (I dont know if you are familiar with MOST payday companies -- especially online ones, but MOST payday companies are flooded with calls, so you have to go through PROMPTS to get to an operator.... they dont pick up when you call). I told him I was inquiring about a loan that I had supposedly taken from the company. He put me on hold and I heard this terrible sounding music** (THIS IS IMPORTANT LATER) He confirmed that I had an outstanding loan totalling $711. I explained what happened with "Eric Johnson" and that I had no account open with Wells Fargo in May 2008. He then said that the loan was taken out in JANUARY 2009. He proceeded to tell me my bank name, account information, employer information, ect. I explained to him that it wasn't possible because the account I had with Wells Fargo was closed several months ago. He said that if I'd like to settle the balance he would be glad to call "Eric Johnson" and put a hold on my pending lawsuit. He also said that I seem like a genuine person and that he suggests I settle this now because paying for a lawyer to take it to court would be very expensive and not worth it. I told him that I would like to talk to Wells Fargo and confirm if I had received such loan. I explained that I would be happy to pay the balance if I do owe it. He said that I "obviously am not taking this seriously. This is a serious legal issue." I said that I would just like to confirm the information with my bank FIRST and then I'll pay it. He said "then I can't help you. If you are not willing to settle this now, we will continue filing the lawsuit. Goodbye" and hung up.

I looked online to see the company he said he was from. I looked up "Eric Johnson + National Affidavit" and all this information came up regarding SCAMS! The same type of information and names was being used by Legal Affidavit Office or National Affidavit Processing Center or National Affidavit Processing Service. Eric Johnson was the name given to me, but I've seen other reports with other similar names (all people with foreign accents and english names).

I went into Wells Fargo and confirmed the dates my account was closed. My account was closed on January 2nd, 2009. There was NO ACCOUNT ACTIVITY in my account for several months prior to it closing. I reviewed my bank statements and none of them show any electronic funds being received from any company.

I called Eric Johnson and told him that if I am to be sued, I'd like the information sent to me in writing and that I'd be happy to take it to court. He hung up.

I am calling the Attorney Generals Office to file a complaint and I'm going to research what else I can do.

DO NOT PAY THESE PEOPLE MONEY! IT IS BOGUS!!! AND NEVER USE ANY INTERNET PAYDAY LENDERS! THEY WILL SELL YOUR INFORMATION!

Pissed & pregnant

Scottsdale, Arizona

U.S.A.