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 Posted: Thu Jun 05, 2008 9:27 am Subject: Need Help with U.S. National Bank!! |
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I apologize if this post comes up a second time. I tried to add a reply to another post but I do not see it showing up anywhere??
Anyway, I am panicky right now even though I am trying not to be based on what I have read here but it is still hard.
| Quote: | For the past few days I have been receiving calls from U.S. National Bank. The first call was a voicemail I received when I came to work yesterday. It was the one I have seen mentioned on here in that the caller was hard to understand and just said he wished me luck. When I called him back, of course, I could not get the original guy who called. I talked to someone who told me my name was being downloaded, there would be criminal charges filed against me, etc. I had to ask him repeatedly what company this was for. He told me he represented Morgan & Associates and kept insisting he did not have the details of my case but that I owed $2600 on a $300 loan. Finally, after asking and asking him, he told me the loan was with Cash Today. I told him I had never had a loan with Cash Today. I have had internet loans and told him if there was one unpaid, I was happy to get that straightened out but I have never had a loan with Cash Today. I asked him to send me documentation. He said he could not do that. I told him I knew the way he was threatening was illegal and I was going to report him to the Attorney General. He kind of skipped right by that and said that if my attorney called him, he would give him all the details. Even though I told him my attorney needs to see the documentation first, he just kept insisting he would give the attorney all the details. I kept insisting over and over that I had never had a loan with Cash Today. Finally, after pausing, he said “if you have never had a loan, well there is no problem then, is there?” !!!! I said yes there was a problem as he has actually gotten my name from somewhere. He basically hung up then.
When I got home last night, someone called again leaving the same name. I immediately called back and was told this person was not there AGAIN. This guy proceeded to tell me how I would be arrested for money laundering, how only a cash bond could be posted, etc.!! I went over the conversation I had had earlier with the first person and told him that I had never had a loan with Cash Today. He then said that U.S. National Bank (who he claimed to be calling from even though the phone number was the same as the one earlier in the day who was supposedly Morgan & Associates) has over 250 payday loan companies and that it could be any of them I owed money to!! What??!! Obviously, I told him that I am not paying anything until I have documentation and until I know what company it is for! I also told him I was going to report him to the Attorney General’s office because I knew he could not threaten me like this. I asked and asked for an address. He finally gave me an address in California … different than the address the first guy gave me but they have the same phone number. He also said he could not send me documentation and just to have my attorney call him and he would give him all the details.
I guess I am going to have to call an attorney today. I tried to stand my ground as I have read in these posts but now they have called again this morning!! I live in Missouri by the way. What can I do??? If they call my employer it will be very bad. Help!!!!!!! What is the next step??? If I contact the Attorney General, will they get notice I have done so?? Sorry this is so long but I am panicked! |
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guest
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| Posted: Thu Jun 05, 2008 9:38 am Subject: |
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First of all calm down, there are alot of people on this board that will help you through this. The first thing you need to do is send them a cease and desist letter that will prevent them from contacting you at work. Do a search in the search box and you should be able to find one to use or simply type one up yourself and send that to them by email, fax and certified return receipt requested mail.
Then I would write letters to your state's attorney general's office, submit a complaint to the BBB. You are correct to request documentation in writing from them as to who loaned you the money, the amount in principal and interest.
Like I stated before someone will be along to post your state laws and help you further.
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ladybug
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| Posted: Thu Jun 05, 2008 9:44 am Subject: Need Help with U.S. National Bank!! |
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I have had the same phone calls...from the same company. And I am waiting for them to show up at my work to take me away...is what they said. The group has apparently been in trouble with the government but keep changing their name. I spoke to someone at BMG (Bahaman Marketing Group)who I took the loan out with and paid. What is happening is this company has old records and keeps calling on people with threats. I will tell you the threats are hard to take because as a law abiding citzen I always try to make things right. And when someone tells you they are going to press charges and you are going to jail...my blood pressure arises.
But I understand where you are coming from.
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lilly863
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| Posted: Thu Jun 05, 2008 10:14 am Subject: |
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Guest, do not waste your time or energy calling an attorney. The threats that they are making, they can not follow through with. If they claim to be collecting for pdl, send them a request for debt validation and be done with them. Just be sure to send the letter certified return receipt requested. Here is a link with a letter you can use as a template.
http://www.debtconsolidationcare.com/settlement/about34520.html
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RoxyNY
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| Posted: Thu Jun 05, 2008 10:25 am Subject: Need Help with U.S. National Bank!! |
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Thanks, Roxy. I didn't realize I was signed in as Guest. I do plan to send this but how do I get them to quit calling?? I am scared to death they will call my employer. Also, how do I report them to the authorities and to whom??
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j9284
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| Posted: Thu Jun 05, 2008 10:36 am Subject: Need Help with U.S. National Bank!! |
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I am preparing the letter you sent. I have a couple of questions. I note the letter says I request they do not contact me anymore via telephone at work or at home.
Is there something I can put in there that will keep them from calling anyone at my place of work?
Is there something I can put in there that keeps them from calling people I know. I believe they may have called one of me neighbors.
I do not have an account number to put on the letter. They never would give me one. Should I just put my name?
Also, they gave me two different names of companies (one time they said they were calling from Morgan and Associates and another time they said they were U.S. National Bank). Should I send to both names at both addresses they gave me?
Sorry to ask so many questions. I am just so worried about my employer. Thanks.
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j9284
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| Posted: Thu Jun 05, 2008 10:46 am Subject: |
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j, that is ok...what I did was send the letters to whatever names and addresses I had..when I got my green cards back I attached them to my letters. You can add the clause to the no contact paragraph about not contacting your neighbors or relatives or co -workers, you are giving them an avenue to contact you through written correspondence. I did not have account numbers either so I put the last four of my ssn... If they are indeed a 3rd party CA then they have to follow the FDCPA, so after you get your green card back verifying they got your letters, start keeping logs of when they call etc. If they violate the FDCPA, then you can take it to the next level. I explained to my employer what was going on and that the debt was paid but the company does not want to recognize it and I am trying to rectify the situation through legal measures but the CA is violating the law. In your case the debt is not yours so you can tell them that.
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RoxyNY
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| Posted: Thu Jun 05, 2008 10:50 am Subject: Need Help with U.S. National Bank!! |
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Thanks, Roxy. Just to make it clear, I do have one, maybe two outstanding payday loans that I did not totally pay off about 3 or 4 years ago, however, I never had one with Cash Today. I am wondering if the guy might have a collection from one of the others when he said it could be any of 250 companies?? But, at any rate, I do not and never have had one with Cash Today. I guess I need to still send the letter since I am asking for validation of the debt??
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j9284
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| Posted: Thu Jun 05, 2008 11:37 am Subject: |
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J, it is me Roxy for some reason I can not log in...anyway, yes send the letters. And technically, they are trying to collect a debt that is not yours if you never had a loan with Cash Today. Think about this...when you applied, you gave them all your info inculding your DL number and ssn...that is poor record keeping on anyone's part if they can not tell you who your loan is with, and since they can not tell you, it just goes to show, they are trying to scare you into paying and get money from you. Make them validate it...odds are, they can not. That may atleast get them to stop bothering you. 
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| Posted: Thu Jun 05, 2008 12:03 pm Subject: Need Help with US. National B ank |
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Hi, Roxy! It occurred to me I would like to send these overnight so they will quit calling me. However, then I will not have the return receipt. Should I go ahead and send them regular mail with return receipt so I have those back? I am just worried they might call my employer in the next few days??
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j9284
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| Posted: Thu Jun 05, 2008 12:34 pm Subject: |
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There is no such company as US National Bank. They are a scam collector and their is no reason to put up with there crap. You could sue them if you could find them. You would win by default but you probably could never locate them. Just hang up after telling them where to go!
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| Posted: Thu Jun 05, 2008 12:51 pm Subject: U.S. National Bank --- HELP!! |
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Well, I just a certified/return receipt letter to both Mason and Associates as well as U.S. National Bank. They gave me both of those names yesterday even though the phone number was the same. So, there really is not a U.S. National Bank??
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j9284
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| Posted: Thu Jun 05, 2008 3:10 pm Subject: |
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J, I still can not sign in...it is Roxy again. Frog knows his stuff, so I would guess..nope. But, it hurt nothing for you to send the letters. I understand the whole call you at work and call your employer thing. Alteast if nothing else you can prove you are trying to take care of this to your employer. The worst that could happen with the letters is that they come back to you. And that happens alot with the CA's that collect for pdls. The thing is, as a scam company they may not stop calling you....hang in there. If all else fails, I have a whistle you can borrow for the next time they call  
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| Posted: Fri Jun 06, 2008 9:44 am Subject: U.S. National Bank --- HELP!! |
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Well, I have not heard from them today. This almost scares me as much because they have been calling like crazy the past couple of days. It is still early in the day but they have typically called by now. I did talk to my attorney this morning and he had me send him written documentation of what they had said to me, etc. However, he really did not sound too hopeful there was anything we could do. He said people like this operate illegally and if they go to these kind of extremes in the first place, they are generally not concerned about the law.
I am still worrried ...
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j9284
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| Posted: Fri Jun 06, 2008 11:35 am Subject: reply |
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j,do not be worried.that is how these lowlifes operate.a deluge of calls,then nothing.then another deluge.they can't and won't do anything except call to annoy and threaten you.
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| Posted: Mon Jun 09, 2008 9:41 am Subject: U.S. National Bank --- HELP!! |
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Thanks everyone for all the good advice. I am still a little nervous that the calls have stopped though. In his last message, "This is your last warning and the last call you will receive." Is this just another scare tactic??
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