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Informed

I received a call on July 9, 2008 from these people. I work with a law firm, and have for a few years now. I was contacted by Ellis Crosby a few years ago, and frightened and then fleeced out of $600.00 (on a $100.00 debt). I then got my attorney involved, and was shocked to hear that the threats made to me back then were so patently illegal. I have studied consumer protection law diligently for the last 3 years, so when I received a call the other day, with the "good luck as this situation unfolds on you" message, I called back and let this jerk go through the motions, and then let him know that a. I had no outstanding loans from 05, b. that he had to validate the debt, c. that he was breaking the law and stated every fdcpa violation, and d. my attorney would call him back immediately. I then had my senior partner call this guy on speaker phone and demanded the same things, ie validation, and that he was not to contact me any further unless it was through my attorney. He then let me rip this guy apart for his abusive behavior and the man was so frazzled he said something about faxing us an affidavit and hung up. Well, surprise, no affidavit, so we called back to see where it was (haha) and the guy could not find my name anywhere, and said I must have been removed from the list. Called back twice the next day to check on that "affidavit" and was told that I was removed from the list. The guy said "stop calling me! You will not be called again. You are removed from the list!"

This is a patently abusive and illegal scam. I filed complaints with the FTC, Comptroller of the Currency for them trying to impersonate a bank, the attorney general in my state (where these loans are illegal so it is an uncollectable debt anyway) and in the states that each and every one of the numbers called from are located (even though he sounded as though he was calling from India), my state, local, and county authorities, and the BBB's in all these states as well. I haven't heard word one since last week and I am confident I won't.

If you do not owe a debt, and do not know what the call is pertaining to, do not be absused. In any situation, be vilagent with your rights , because they are there to protect you, but you have to aexercise them. The call I received was from Florida.The AG's office there told me that they have received several complaints and are starting an active investigation of these people. Don't be scared. They cannot hurt you. If you can't afford a lawyer, call legal aid in your area. They will help you protect yourself.

Posted: Mon Jul 14, 2008 8:12 am Subject:

You can find some interesting reading on this at RipOffReport dot com. Thanks for the detailed input.

Posted: Mon Jul 14, 2008 8:36 am Subject:

There have been literally dozens of posts about the slime balls over the past years. It amazes me that they are still operating. They must be offshore using a call forwarding number in the US. Anything to inform people about ther illegal activities is a good thing. Thanks!

Guest · Posted: Mon Jul 14, 2008 8:44 am Subject:

I did the same thing. Told the guy that I had contacted the authorities and are now checking in on his practice....I havent heard anything since last week...

Posted: Mon Jul 14, 2008 8:46 am Subject:

So, this CA calls them self US National Bank?

Posted: Mon Jul 14, 2008 8:56 am Subject:

Shazz. . .there are SO many crazies out there these days. I got a call from a company out of CT offering me a "loan" at a great rate. After checking, they were actually out of Canada and ripping people off big time. I ended up speaking with the Royal Canadain Mounties as they were investigating them to try and find them. I also got a $3000 check which was stolen from a Boston, Mass. and I was supposed to go to Moneygram and purchase 2 separate moneygrams for x number of dollars, send to this yahoo company and "keep" the remaining $100 for myself. All this as a private individual making sure that Walmart was doing their job! Not sure what they were trying to accomplish but I think they were setting me up for fraud, theft and/or access to my bank account. Reported it to my banking department in New York. End of story. Can't be too careful these days.

Posted: Mon Jul 14, 2008 9:32 am Subject:

Posted: Mon Jul 14, 2008 10:01 am Subject:

Great balls of fire llw, that's so unbelievable. Shocked

Posted: Mon Jul 14, 2008 11:37 am Subject:

I had that happen as well, unfortunately or fortunately depending on how you look at it, I deposited the money into my account, but didn't send the money back to them in time. Within a few day I found out that the check was a counterfit & my account was messed up for a week or so while everything was straightened out.

Posted: Mon Jul 14, 2008 11:49 am Subject:

So these folks are sending you checks to deposit in your account rather than depositing money. Hmmm, that sounds suspicious off the back Confused

Posted: Mon Jul 14, 2008 6:12 pm Subject:

There are so many of the out there and I really do think that somehow ours names are on the "crazies" list as a result of all this PDL nonsense. All my snail mail goes in the trash if I don't know who the sender is, I don't answer phone calls if I don't recognize the number and I am super cautious with emails. And yes anyaroberts, I think that is how they are getting the money. . . . .from unsuspecting folks and those same folks are the ones left holding the goodies. You cash the check, and then they get the cash and you could get some jail time for using counterfeit checks. It truly amazes me just how low some people will go. The thing that scares me is, the elderly who could get caught up in this. I had to read the letter a couple of times before I realized exactly what was going on so I could well imagine how confusing it would be to someone in the elder generation. It's sad, sad sad what this world is coming to.

Posted: Mon Jul 14, 2008 6:16 pm Subject:

That is ABSOLUTE BS Evil or Very Mad

Things are really crazy nowadays. I wish I would have never put my info online. I kick myself everday in knowing my SS# is exposed to al those IDIOTS Evil or Very Mad

Posted: Mon Jul 14, 2008 6:45 pm Subject:

I agree. I really do think that all the nonsense I have to deal with via different avenues of aggravation stem from that very first inquiry to the PDL world. As has everyone else on this board, I have learned my lesson the hard way.

Kegan · Posted: Fri Aug 01, 2008 5:54 am Subject: US National Bank

August 1, 2008, I recieved a phone call from these people stating that I took a loan out back in June of 2006. Now I owe them $1052.00. They were calling from United Legal Investigation on behalf of US National Bank. Back in 2005 I did take out loan but I am under the understanding that they have been paid in full and then all of a sudden they have popped up again and say I owe this money to US National Bank and if I do not pay, I will be arrested and but in jail for stealing money from the back and bad freud. They wanted me to pay $300.00 today and something later. I have no way of verifying if they are legiate or not. I no longer back with the people they say the money was sent to. How do I go about getting help and making sure that the is truely a matter that I need to take care. They are foregin speaking people using American name. The person that called me was "Richard" and then I talk with a man with the last name of "Hill" with was the senior officer. If anyone is out there that can lead in the right direction how to stop this from happening please let me know ASAP. I have no clue as to what to do.

Email address removed for your protection, per forum rules.

~JCEMT

Posted: Fri Aug 01, 2008 6:05 am Subject: reply

here is what you do keegan,NOTHING.that's right,read this entire thread.this is a scam,they are calling from india.let them know that you are now informed and will report them.hang up and don't speak to them again.that is what you do.

Posted: Fri Aug 01, 2008 7:05 am Subject:

Welcome to the community Kegan.

As far as I have been able to research US national bank is not located anywhere on US Soil, nor are they a registered business (let alone a financial institution) They commonly make threats of arrest and accusations of false crimes, these are all illegal tactics as debts (outside of certain federal debts such as child support, IRS) are civil matters, not criminal.

Per the Fair Debt Collection Practices Act third party debt collectors are not allowed to accuse a debtor of committing a crime or to state that they will be arrested or imprisoned. I would strongly suggest filing a complaint with your state Attorney General's Office as well as with the Federal Trade Commission.

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