US National Bank is harassing me for a closed account. Need help

welcome to the forum,


US National Bank is an
insult to bottomfeeders everywhere.they can'y
do a thing except call.make a note of the #'s
that show up on your caller id then don't answer.
all they can do is threaten you stupidly.
especialy for a most likely illegal pdl.don't talk
to those jamokes if you can.

I googled the phone number - 480-282-6894. That is a payday lender, Cash2DayLimited.
Don't panic. Payday lenders will try to intimidate and scare you into paying, because that is just about the only recourse they have. US National Bank CANNOT charge you with a felony, or anything like that. There is nothing illegal about not repaying a loan, even though they will claim everything from fraud to bad checks. It is all BS. You cannot go to jail. They cannot send someone to pick you up. The most US National Bank can do is sue you and get a court judgment (which takes a lot of time), and it is doubtful they will even do it as most payday lenders don't operate legally anyway.
Read through these forums and find the payday laws for your state. You will feel much more comfortable knowing the truth.

thank you burk,it has come to my attention that
this bottomfeeder is getting more pdl business.

So after I got this call and he said that I can pay this or that...Well like everyone else I am working two jobs and on a tight budget.....To avoid any problems, I paid $300 towards this bill....He is suppose to contact me back with more information about this loan because the deposit date wouldnt go right with my old account. So what should I do with


US National Bank ...He didnt call my work he called my cell phone....

i wouldn't give
[font=Times New Roman][size=2]US National Bank[/font] [/size] anymore without something in writing.never give your bank or any other info over the phone.this is an illegal pdl collector,there is no guarantee that money went toward the supposed debt.

From what I was reading there is no such bank called US National Bank....I printed out the Fair 1...And he violated alot of it....I think the next time I call him back that I will tell him that I am recording this message and then proced on telling him the information that I got and since the deposit date was wrong that I will no longer give him any money...should I do it this way

the one sticking point is that he has your account info.i would put a block on your account.you will have to go to the branch and speak to the manager to do this.stop payments won't work,if only temporarily you must do this.he can also debit different amounts,even put through a check.it is unfortunate,but to preserve your bank account this must be done.

OMG, I cannot believe you paid US National Bank $300 :(

So I shouldnt have done this....I can't believe I did this....

tell me about it $300 bucks that i could of use for my vacation

if the 300.00 is gone that is too bad,but he can ruin that acct easily.it is best to put a hard block on US national bank a/c.then open a new one,i wouldn't trust this bottomfeeding collection clown.

see i didnt give him my bank information just my bank card information...and i can easily cancel that without changing my bank information...i can go and say that i lost my card, they will deactivate it and reissue me a new card...so if he puts the number through that it will no longer be in good use...

so guess what since i only used my bank card for this one transaction, i called my bank to see if i had to close my account because of this...she said no that all that has to be done is to deactivate the card and if anyone uses it that it will not work...so since i didnt give any bank information to US national Bank that i have no worries except that im out of 300 bucks....i guess a lesson learned....so should i call this guy and tell him that one i never had a loan with cash2daylimited, two that us national bank doesnt exist, and that what he did was illegal....

hey,that works.just know the jamoke is gonna call again,now you know better.glad you didn't get taken by this clown. :D 8)

Should I call him or wait to see if he calls me...

I would do this:

1. IMMEDIATELY dispute the $300 charge if it has been processed. Tell the bank you did not authorize it. THEN CLOSE THE CARD AND HAVE THE BANK ISSUE YOU A NEW ONE. That should get you the $300 back. If the $300 hasn't been processed, CANCEL the card NOW!
2. Send the company a DV letter. Make them prove that you owe the money. In your OP you said that all your PDL's were PIF, and you closed your old ckg account on April 11, 2006 - but, he said $ was deposited on May 23, 2006. Hmmm...makes me wonder...(scam here)? Maybe he had the date wrong, maybe he meant 2005? If so, and you said your PDL's were PIF then there should be nothing to collect...
3. Chances are they are an illegal PDL. I would file a complaint with the AG, BBB and FTC. The fact that they first misrepresented who they were and threatened you with a felony, THEY are the ones breaking the law.

BTW: If you send the DV letter and they don't validate, then they cannot collect. If they continue to try, you could sue them for illegal collection activity.

Also, spend some time on this website and see how others have handled similar issues.

Hope this helps!

:arrow: Reverse the transaction of $300 and cancel the card. Call the bank and tell them that you found out this is a fraudelent company if it is not too late :!:

I would not call him back - the hell with him, the fraudulent liar!!! Just get an address to send the dv letter...search this website if you need the address...I am sure it's on here somewhere!

And lesson learned...NEVER give $ to someone just b/c they say you owe it. Make them PROVE it! :)

i wouldn't talk to him either way.all he will do is threaten you,not worth your time.

Amen to THAT, Paul!!! ;)

ok i called my bank and it already went through....i guess i can cough it up to a lost...

the bank said that the processed it through paymybill.com....what is a DV letter and what is AG...

the bank said that the processed it through paymybill.com....what is a DV letter and what is AG...

do what you going to do with the card anyway.he cann still try to take more out.

This is so sad....I just feel that people get so scared into paying monies they don't owe...I am guessing here; but feel that is how these illegal pdl's are working now...just finding old ss#'s and bank #'s and just start making calls to collect whatever they can since they know that a lot of people are unto them and only getting back what is lent out...so basically losing fees. just bad bad...they need to go away.

Always thinking...CALL THE BANK AND DISPUTE THE CHARGE!

don't just throw that monies away. Dispute with your bank. Say that it was stolen and you need another...really, get your money back.

A DV letter is a debt validation letter that you need to send to them. just do a search for one in the upper right hand corner and there are plenty out there. This will make them validate the debt they are requiring about. But now that they have their money or some monies from you; you may never hear back. So please dispute it...You will be glad you did.

well guess what i found...if this is cash2day lmt, i had a loan with them a few years ago...i found the letter that they sent me that it was paid in full....im am such a fool...i already cancelled my card like right after you told me to....then i called the bank back and i have to go up there and try to dispute it....but the card is already useless.....now i can stand my grounds.....so now should i call this goober back and tell him that i found a letter that states that this account is paid in full....but i still wonder if this isnt a scam because of the date thing...thats what bothers me...and that i had to deactivate my card which i hope will be here intime for my vacation in two weeks....

Okay, since this was your bank-issued debit card, you should be able to go down to the bank and dispute the charge. It doesn't matter if it was already taken out - the bank will reverse it and you will get your money back. You will have to sign a form stating that you did not authorize it, or that it was for a loan that was already paid off. They will reverse the charge and put the money back into your account. Take the PIF letter with you, to show that it was paid off already. I've had to do this once before and the money was back in my account in less than 24 hours.

you should do that my friend and remember,if
they are not going to send anything to validate
do not bother with them.

thank you...i called the number on the pif letter and the man said that he hasnt called since the account was paid in full....he said that the phone records doesnt show anyone calling like yesterday...so someone is scamming and i just got scammed

You said you had a loan with Cash2DayLimited a few years ago, and you had a PIF letter with them. The phone number you listed as calling with this debt, in your first post, comes up as a number for Cash2DayLimited.

I'd be down at my bank asap reversing that charge. Don't call the jerk back. If he calls you, tell him you will be glad to fax him a copy of the PIF letter, and inform him that you are reversing the charge, as the loan is already paid off.

That's interesting since the # came up as one of theirs. Hmm...

Regardless, get that charge reversed asap, get your new debit card, and ignore that idiot's calls.

thank you....

Don't call them back, it is a scam....keep your letter handy for just in case. email and/or another call. Send them a copy of the letter and a cease and desist letter to not contact you again. File complaints and DEFINITELY dispute the transaction....It's your monies, not theirs.

the man wouldnt give me any information about who he is calling from...no name, address, or telephone number...i got the number off my caller id...

Also, I know some banks - like BOA - will issue a new debit card right at the branch. Check with yours to see if they will.

its a debit mastercard....has the mastercard logo on it....

Always, if the guy won't give any information, doesn't that seem suspicious?? No name, no address, no info...hmmm...no way I'm gonna pay!!!...

I would still fight with the bank and have them do a reverse on that transaction. What bank do you have? I would definitely get that $300 back, you did not get any merchandise or such it was a fraud charge. Demand they reverse the charges.

Yes, if the account was paid in full, then the collector was fraudulent in accepting payment from you.

GO GET YOUR MONEY BACK! :)

Well I had a good night sleep thinking that I don't have to pay this bill....

Yep, total scam!

hi alwaysthinking,

Did you get a name of the collection company or the name of the orginal creditor? Because they are calling my previous employer, harassing them. I tried to call but they are not giving me an address, company name, nothing.

They wouldnt give me any information except that they are calling from us national bank....and that they deposit money in my checking account on may 23, 2006...but the catch is, that i closed that same account a month prior...they said that they where goin to call back two fridays ago and i havent heard from them since....they are frauds and they got $300 bucks from me....

Alwaysthinking...did you dispute the charge with your bank and get your money back yet?

US National Bank just withdrew several hundreds of dollars from my account this past Friday illegally. I never heard of them and they did it without my knowing about it. I got my funds back in my account today and closed that account. Be very careful of this company because if you applied on line for a PDL but never got it which is probably what happened to me, funds will be taken from your account without you not knowing about it. So beware of putting your banking information out there for these scum bags to get because you will never get the loan but get charged for it.

the bank wouldnt refund the money back because on my statement the withdrawl says its from paymybills(dot)com......the guy was suppose to call me back two fridays ago with the correct information but never did...but i bet he will call on the 27th for more money and guess what he isnt going to get any....i didnt give him my bank information just used my bank card which i cancelled the next day after finding out that it was a scam...since he cant validate the debt than im not obligated to pay anything..he already got 300 bucks from me and when he does or if does call back im telling him whatever that debt is consider it paid in full...

If they are illegal, then the bank should be able to help you. You can dispute it. File complaints with the BBB, AG & FTC and use these to show the bank that you have been wronged. If the bank won't help you, file a complaint against them!

im in the process.....and im also waiting for that fool to call back because i have everything that i want to say to him in writing....just cant wait...