Mar 11, 2010
This is still happening. I received a call from Mike Copeland and Michael Davis. Pissed me off, they started calling at 4 am - first sign to me that something was wrong. I live in California and they were calling from California numbers. What the heck are they doing debt collection work at that time of morning? It is illegal to call before 8 am. I know this because a close friend previously worked for a debt collection firm.
I supposedly owe a $300 pay day loan that was charged off by the company in 11/09. I now owe $753.86. In trying to understand how I owed a loan I never received, I was transferred from person to person - all with American names, but foreign accents. And the way I was transferred was crazy - you could tell it was to a person in the same room though a different number. The background noise level was always the same regardless of what number I called or called me. Same threats others have received: pay day loan that I don't owe, going to have me arrested, going to have my family arrested, going to get me fired, going to sue me BUT they have no information to give. You ask them questions they become rude and threatening.
The numbers I have been called from is 310-974-8964 and 760-514-0145. I tried my best to get information from them but of course, they have none to give. The company's name that I got the pay day loan from is supposed to be First Cash International - I think. I was told that First Cash International gives loans under over 300 names so they could not tell me the name of the company I got my loan from or the exact date I received it into my bank account. Missed some of the conversation because the accents of callers I have spoken to are thick (sounds Indian) and the background so, so very noisy, it makes it really, really hard to hear. To resolve the debt, they wanted me to write a letter and sign stating that I acknowledged, and would pay the full debt. I was to have this letter notarized. The letter needed to contain my name, full mailing address, ss#, debit card number, name as spelled on my debit card, 3 digits off the back of the card, and the expiration date. They only take debit or credit cards as payment to settle the debt. I also needed to send a copy of my driver's license and passport with the letter. When I asked there was no address to mail the letter to, I was told that the letter needed to be in the office immediately so I did not need an address - but I could fax it to 714-333-3058. The letter is a new twist to get even more information so I thought I would post to let everyone about it. I would not confirm any of my personal information they had (though they had the right information) feeling that this was a scam from the beginning. So I got off the phone, went online, looked up the phone numbers and did some searching to learn about this scam I had never heard about previously. Just as I suspected - a bad scam that tries to prey on one's fears!
So what will I do? Report it to the State Attorney General's office, put fraud alerts on my accounts/credit reports, and pray that they stop calling. This is the scariest part to me - people who have reported that they do not stop calling. It would seem to me that they would give their scam a shot, and if they do not get the desired result that they would stop calling. So, I guess i will be letting a lot of calls where I do not recognize the number go straight to voicemail. Thank goodness for caller id at work:-)