Complaint Review: NCIB - Internet

I was contacted via email by  <[email protected]>, see below letter/internet conversation. Not only did I NOT EVER recieve a loan from any company of any dollar amount, but in august I was a victim of a Cash net USA payday loan.  On August 11,2014 I was contacted in the middle of a flood in michigan. I was stuck in my BRAND NEW CAR drownding in the waters on the road (I do mean drownding, it was declared a national disaster for Michigan). So alone and being female I had texted a friend and called another they were calling for help for me and my car.  Thinking it was a tow company calling me back I answered and it was a forgien speaking gentlemen saying i was approved for 10,000 loan. I stated I did not need a loan and hung up. Recieved another call saying funds were deposited into my PERSONAL checking account, If I could just simply go to a Kroger, Western Union center they would insturct me on how to verify I was me?  WHAT??? you want me to do what?? I hung up. calls continued as I declined them.  At that point I recieved over 100 phone calls.  The following day dealing with my car that was now towed out of the trenches I had forgot all about it. I recieved another now demanding call stating that they deposited money that I had 1 hour to verify it was me or they were going to take the funds back. I demanded to know who they were and told them to stay out of my personal account. Hung up on them and called my bank to report the issue. To which we saw some strange activity but I had to go into a branch. Now Monday morning I did just that. Just a little to late.

Turns out these gentlemen had all my personal info. They accessed my JP Morgan bank account and stole over 2400.00. Evem after a FRAUD alert was placed on the account.  The bank has turned this to the Fraud Bureue. I was found not guilty as they called the bank and spoke to agents where this is a females account with NO men authorized. 

However during this flood, my car was totaled to which the managed to reverse my personal car insurance payments causeing my car insurance to be in default status.  Now costing me my job due to excessive time off of work I am getting a collection demand??  ARE you kidding me. 

So you cost me a $22,000 car debt, $2400 of my monies and my job (which I made $42,000 per year). Who are these people and for the love who do you have to contact to help someone else. They have my social security number, address, previous phone number (I have changed it 3 times also costing money), my closed bank account info, mothers maiden name (per JP Morgan).

Hopefully this post goes some where and helps another victim. Because I have learned that nobody really cares. Your credit is ruined, your name slandered, and the harrasment continues. FBI, no results, Police they take your report and then send you a nice letter stating that you have been a victim of ID theft and mail you a brochure on how to report your social security number (hmmm becuase they are still using it, so what good was that?)

On Feb 5, 2015 12:46 PM, "NCIB LLC" <[email protected]> wrote:

CUSTOMER ID: 517402168

Case File Number: PH36/69041526K.

Loan Information

Past Due Amount - $973.82

Creditor  -  N.C.I.B Services.

You are going to be legally prosecuted in the Court House within couple of days. Your Social Security number is put on hold by United States Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this

matter.

Your line of credit is over 60 days past due, but it is not too late to restore your good standing!  

We want to serve as your trusted financial resource in the future, but to do that; we'll need to come to an agreement on the past-due balance.

If you believe you are unable afford the payment options we have offered, contact us right away by E-mail and we will do our best to accommodate an amount you can commit to.

• United States Legal Investigation Bureau has stated 4 serious allegations against your name and your social and they are:-

(1) Violation Of Federal Banking Regulation Act 1983 (C)

(2) Collateral Check Fraud

(3) Theft By Deception

(4) And The Most Important One is E.F.T. That is Electronic Fund Transfer

Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed on your name. If we do not hear anything from you within 72 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

• We Have All The Rights Reserved To Inform To FBI, FTC, And Your Current Employer & Bank About Fraudulent Activity                                

And once you found guilty in the court house than you have to bear the entire cost for this law suit which totals to $13,734.46  which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one, or if you can't afford, then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department by replying this notice between 9:30 to 6:30 (EST).

• If You Want To Resolve This Matter, Than Immediately Contact Us Through E-mail Between Working Hours.

Attorney Office,

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N.C.I.B  Services

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l.com>	Feb 5 (6 days ago)
to NCIB

 

 

 

 

I filed bankruptcy

 

NCIB LLC	Feb 5 (6 days ago)
to me

 

 

 

 

Sherry,

If you believe its included in chapter 7 bankruptcy then you can go ahead with it and come to court house as company have enough evidence against you .Also please note in mind that without any strong evidence company is not taking to court house as if they loose case against you , you can sue them thousands dollars. 

You might have forgotten about it . So as of now you have 2 options . Either you come to court house and prove yourselves or go-ahead to settle this with company.

 Once you will make the full and final Payment we will send you all document settlement completion letter along with the receipt at your mailing address.

This is the best we can do for you at the current stage.

 

Best Wishes,

N.C.I.B Cash Services

 

to NCIB

 

 

What loan company is this even for?

 

 

NCIB LLC	Feb 5 (6 days ago)
to me

 

 

 

 

Sherry,

 

We are talking about the loan amount of $300 that you took with the company, they do have a electronic signed copy of the contract which is signed under your e-mail address (((Redacted))) and Social Security Number ending with #7275. also would like to mention your computer's Internet Protocol Address was also traced when you were electronically signing the contract with the company. The company has more than 14 technical evidences in order to prove the money was successfully deposited into your bank account with JP Morgan Chase Bank Account number ending with #0750.

Talking about the creditor N.C.I.B Services.N.C.I.B is the mother company which owns & operates more than 350 parental payday loan websites CASH NET USA, CASH AMERICA & 500 CASH ADVANCE, MONEY TREE, ACE CASH EXPRESS, PAYDAY LOAN SUPER STORE, NORTH CASH , FICALCASHLOAN.COM, PAYDAYTREE.COM, BETTERLOANCHOICE.COM, QWIKCASHLOANS, FASTCASHLOANS.COM, FASTCASHJEANNIE.COM, INFINITECASHADVANCE.COM, EMERGENCYBUKS.COM, CASHADVANCETOMORROW.COM, SECURECASHAPPROVALS.COM, PRESTOCASHADVANCE.COM,  and many more. And you have used one of them to get this loan approved.

NOTE : KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLEMENT AMOUNT AND IF NOT THAN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST YOU INTO THE COURT HOUSE.

Best Wishes,

N.C.I.B Services.

 

 

Sherry >	Feb 5 (6 days ago)
to NCIB

 

 

 

 

So for a loan of $300 your offer is 973?  The chase bank was closed for fraudulent activities when my identity was stolen.  A investigation is still pending that account. 

A company posing as cash net USA hacked into my account stealing monies from the account.

What court house is this filed with? I'd love to see the legal documents in which it states that a $300 loan that I filed bankruptcy on can or will cost me over 13,000.

 

NCIB LLC	Feb 5 (6 days ago)
to me

 

 

 

 

Sherry,

 

We tried all our possible ways to get you out of this trouble . But it seems looks like you were not taking us seriously. 

 

As we stated in last email that legal notice will be filled to your name. So now , company is going to filed a legal notice and you will get it soon to your mailing address with court summons. 

 

The case will be downloaded tomorrow morning and you will be soon served with the court papers. If you want to avoid these legal consequences we merely require you to get back to us with the payment. 

 

Have a nice day.

 

 

 

Regards,  

N.C.I.B Services

 

 

 

 

to NCIB

 

 

 

 

Oh I'm taking you serious.  And asking for proof of the loan. I'm more than willing to contact the lender.

But with my identity theft I'm not just trusting that I owe money.

to NCIB

 

 

 

 

Oh I'm taking you serious.  And asking for proof of the loan. I'm more than willing to contact the lender.

But with my identity theft I'm not just trusting that I owe money.

Oddly enough I have not heard back from them as of yet..