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cmpolk

I had a collection company call me yesterday at work and the first thing he asked me was if my attorney was present. He stated, due to the fact, that I closed my account and dishonestly fraud ed US National Bank, I would be charged with Money laundering and theft of property. He would not provide me the name of the payday loan company, how much I owed, etc. I asked for US National Bank's phone number, he would not give it to me. I hung up on him but not before I told him not to call me at work. Immediately, and I do mean IMMEDIATELY, the phone rang again. He would not let me say a word..just kept asking me did I know what it felt like to be arrested. By this time, I was yelling at him as he was me. I once again, told him not to call and hung up. Immediately, he called back (it's amazing how lightening fast they are), he called back and told me that he said all he had to say, realized that I didn't care about going to prison, and wished me luck! He did give me his name and phone number. Has this ever happened to anyone? I know it seems like nothing but a threat. I don't have a clue WHO I owe this to. I paid all of my payday loans off. I was going to wait to see if I get a garnishment as he so threatened to do? Please advise. Thanks

Posted: Wed Feb 27, 2008 4:03 pm Subject: LOL!

cmpolk!

Sorry you had to go through that, and at work at that!

I may be wrong, but US National Bank seems very familiar to me, as well as to this forum also. Did this guy have an accent? Was there a lot of background noise on his end of the phone?

If I remember correctly, there is in fact no US National Bank. This guy is a scam. The fact he wouldn't tell you who you owed money to or how much really would set off my warning bells.

Let's see if anyone else can shed some light on this for us.

Posted: Wed Feb 27, 2008 4:07 pm Subject: reply

yeah,just like united,federal,and national banks.they all called me,same thing,thick accent,noise in the background.the whole shooting match.it is a scam,read up on your state laws regarding recording calls.you need to gather proof of there illegalities.

Posted: Wed Feb 27, 2008 4:13 pm Subject: LOL

Oh yeah, I probably should have done a search on this website before I responded the first time. Here are a couple of links to other threads concerning US National Bank.

http://www.debtconsolidationcare.com/tippy1959/about41999.html

http://www.debtconsolidationcare.com/collection-agencies/about25215.ht ml

Sounds like he's "kicking it up a notch" in the violations of the FDCPA while making his collection calls. Do not be frightened by his threats, that's all they are is threats. He threatened to "download" a member of this forum once, and from what I can tell she survived.

I would normally advise you to send him a debt validation letter and partial cease and desist letter; however, he probably will not give you his address when you ask for it.

Let's see if anyone else comes along with some advice on this.

Posted: Wed Feb 27, 2008 4:22 pm Subject:

Did they call from 888-954-4111?
I remember answering a post similar to this yesterday.

This so called "US National Bank" is not a bank at all...its an offshore junk debt collector that will violate every law available.

NONE and I repeat NONE of the "charges" they are threatening you with are legit!!!

Do not take any more of their calls!

Posted: Wed Feb 27, 2008 4:30 pm Subject:

....and Ron raises a good point about their address.

Of all the cases I have seen with US National Bank, they will just demand you give them your account info or do a moneygram. They have refused to give an address.

When they call your work, do you have a direct line or do others answer the phone? I was going to say just dont take their calls and just hang up on them.

Posted: Wed Feb 27, 2008 6:06 pm Subject:

Money laundering is the process of creating the appearance that large amounts of money obtained from serious crimes, such as drug trafficking or terrorist activity, originated from a legitimate source.

Sounds nothing like defaulting on a payday loan.

Posted: Wed Feb 27, 2008 6:11 pm Subject:

They are counting on the fact that you don't know what money laundering means and you'll be scared. Don't fall for it. Oldest trick in the book!

Posted: Wed Feb 27, 2008 6:22 pm Subject:

Quite so kscornell, sad thing is most people don't really understand what some of these bogus charges they say they are going to file really mean. Their greatest ally is consumer's ignorance, I guess that's why we (this community) are here.

Posted: Wed Feb 27, 2008 7:20 pm Subject: Hear, Hear!

Abso-Freakin-lutely!

Couldn't have put it better myself JCEMT and KSCornell. I'm glad this site exits in order to help educate those that might be abused by crooked CA's and their schemes. At this point, it's not a case of whether he actually owes the money or not, it's more about the fact that this joker from "US National Bank" violated the law.

Posted: Thu Feb 28, 2008 12:41 am Subject:

wow! you people are sooo..

with info here...
consider all the theft..fraud and identity fraud..in America..then consider the amount of money these crooks can make with their extortion tactics regardless of whether you actually owe the money or not?..very scary!!!! I hope more and more people find this site...
So many people think that it must be legit in some way shape or form or else it wouldn't be happening to them!when they ask again if your attorney is present..I would be all..Yah.. let me put him on the phone

Posted: Thu Feb 28, 2008 6:19 am Subject: LOL!

I was thinking the same thing Socks. Maybe cmpolk could get a friend to pose as an attorney, the next time our man from "Useless National Bank" calls. If I was there, I'd love to do it. I'd have the little twit stammering inside a minute. I've always been told I'd make a good attorney, the way I like to argue.

Of course, two wrongs don't make a right. It's probably just as illegal to have someone pose as an attorney in order to goof on someone posing as a bank. So I wouldn't recommend doing it.

Still, it's fun to think about how funny it would be.

Posted: Thu Feb 28, 2008 6:51 am Subject:

Do not pose as an attorney, it violates state law by doing so.

Posted: Thu Feb 28, 2008 12:13 pm Subject:

It all sounds like that old Bass & Ass tactic. Same line, different names. I just got a call yesterday from West Asses Management saying that I still owed them money on an old online payday loan I did a few years ago. i told her that I paid both of them off after Bass threatened me. She said I only paid one. So, that phone person from Bass made a good profit off the top of my payment to them. They paid one, and kept the rest for themselves. They are thieves and liars and will burn in HELL!

Posted: Thu Feb 28, 2008 1:32 pm Subject: Yes

Yes kids, like JCEMT says, don't try this at home. I wouldn't want anyone to get in trouble by trying something I suggested while trying to be humorous. It would definitely disturb me if it were to happen.

So, please don't pass yourself off as an attorney.

Still, who's our man from US National Bank going to complain to? I can hear the conversation now:

Yes Mr. Law-Enforcement-Representative, he had the nerve to try and misrepresent himself as an attorney after I called him misrepresenting myself as a bank and telling him he was facing bogus money laundering charges.

Love to be a fly on the wall during that conversation.

Oh, and swedishgirl. Was that a typo on your post? I started laughing out loud when I read it!

Posted: Thu Feb 28, 2008 2:14 pm Subject:

I got a call last summer ( May I think) from "Alex Divine" from US. National Bank. 1-877-403-0003. He told me I was a suspect and told me he thought I knew why he was calling me? He said I was under fraud investigation and asked me if I had ever been on probation and told me "they dont want my money back" I said to him " then why did you call me?" He got real ticked off and started yelling at me and I hung up. He never called back. I did file the complaints and never got responses back! Go figure! Yes, it's a bogus scam....I was going to be "downloaded" that day......

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