Audubon Financial Bureau Collecting for Cashnet

I just wanted to say thank you all for the posts in here.  When I talked with the individual from Audubon Financial he was not very nice and I think he was trying to pull a scam on me by saying he was going to the court system and also going to take my tax refund, all kinds of stuff that were very threatening.  Now I have an option of what I can do.  Thank you to everyone who posted here so much.

What state do you live in??

Audubon is a collection agency...they are not attorneys so they cannot sue you. This is a violation of the FDCPA. Send them cease and desist letter IN WRITING and file a complaint with your state AG's office.

They violated the FDCPA laws several times. They can't threaten you.They have refused to validate the debt. This is a clear violation of the FDCPA law. You should register a formal complaint against them to FTC or CFPB. You can get a Cease and Desist letter from the "letters" section of the website.

they just sent me an email saying what they were going to do. they said they were collecting for cashnet usa, and set up a withdrawl amount an the dates they would be taking the money out of my account an how much. i sent them an email saying i could not afford that much since i'm a disabled vet, but could afford half that amount, but they did'nt reply to my email, and hit my account for the full amount. so now i go hungry for the month. what can i do?

Is there a number to file harassment on this company... call my work several times demanding

Did you obtain a loan from them? If so, tell us what state you are in, the amount originally borrowed and amount you have paid back so far. Answer these questions and we can help you further.

Just recieved a letter in the mail stating i owe money to fireside cash and want me to pay by credit card only. Are they legit?

report them to your state AG and the FTC.

Thanks for the post of Audubon I have been getting calls from the as well threatening to sue me and have me in the court system. I don't remember the loan that they are claiming I owe and they will not provide me any information about the loan.

Audubon financial threathen that they were gonna send me to court for CHECK FRAUD..that is a serious matter.

I borrowerd $2500 and paid back around $1900...I got stuck after all the fees and stuff it was now up to close to $5000..so I stopped payment for all the checks that were scheduled to come out...

after 6 months they are now saying they are going to my local court system and claiming check fraud...

Can I be arrested and charged for this?

I have been having the same problem with them. I contacted my states Ohio Attorney Generals office. They sent me to an attorney that is free of charge to me, because of the harassment and Audobon took more out of my account than what was agreed upon, I know have a lawsuit against them. I hope you get things figured out very soon, I know how frustrating this can be. Good Luck!!!

you started two other threads on this bottomfeeding joke.bottomline they broke the law in threatening arrest as debts are civil matters not criminal ones.especially pdl's,and that goes triple for internet lenders.you can't/won't be arrested.report this scum eating bottomfeeder and ignore them.

"Good luck" is their typical last ditch effort to rip you off by scaring you so you call back.

I also have been harrassed by these people. I do owe money but after I gave them my debit card information I ended up with money taken out that was not authorized and I didn't have the money to pay them. They threatened me with arrest, a judgement, and told me I was lying to them. Then she told me Good Luck and hung up on me.

read the last part again.they can't just file a judgement.they are a bottomfeeding wormslime,and so is beachside.treat them like it.

I have gotten calls from AFB teliing me I had not paid Seaside 500.00 and now they want over 1100.00. I told them I would make arrangements to pay the amount borrowed but told that I would have to go to court if I didnt pay the late charges accrued. They could not answer my questions when asked them informing seaside what I could do to settle the account. I tried to get seaside myself but had to leave a message and they never called.

I have been getting calls from AFB and all of a sudden a letter in the mail from Audubon Financial Bureau collecting for creditor Beachside Cash. I have paid Beachside some of my loan and ended up having to close down my bank account due to withdrawals eating up my paycheck. I don't know how much I have paid back and I just learned that online payday loans are illegal in the state of VA. Today I got a call from someone at a phone number from AFB saying the were sending my file to the county court house with a civil judgment against me if I didn't call them. I don't want to give these people any of my information. Can they take me to court?

You are quite welcome.  Glad we could help!!

Thanks!

Loan was made thru western sky n they sold to cash call.Paid them 3or4 times balance remained the same so I dtopped payments.Now afb callin n threatenin. Is this legal n how should I handle ALL of this mess?

Follow the link in my signature line for information on how to deal with them. They are an illegal tribal lender.

I don't owe anyone. Stop sending me text messages. Or I will take further legal action to have you stopped.

we are not texting you.google search better next time.

i defaulted on a payday loan which i have paid back more then the original loan thru fireside every two weeks they kept taking 245 out of my account but the balance never went down now i have afb calling me multiple times daily and leaving me messages on my voicemail threatening to file fraud charges

Typical BS. Debts are civil, not criminal. What state are you in?

report and ignore.a complete scam as debts are civil matters not criminal ones.only scumeatiers threaten criminal action on an illegal loan which fireside is.

you don't pay this piece of crap.they bought the debt yes,but break the law hand over fist.read the first entries.they just a CA.only law firms/attorneys can sue/take you to court.they should be reported not paid.

I'm relieved to have found this site. I had a line of credit set up with CashNetUSA for around $1400 and couldn't pay them back. They have now turned it over to Audubon Financial. AFC keeps sending me emails claiming that they have a "rock bottom" settlement to offer me and to call immediately. They also claim to have sent several dunning letters of which I have never received. I got my first voice mail message from them last night saying what they are telling others on this site. They will take me to court. I would be willing to settle but not if they're going to take excessive money from my account! And I'd rather do any and all communication with them in writing.

Thank you for the input! I'll just call them bluff for now, see what tactics they use and how far they push the envelope.

I to had some business with Audubon Financial Bureau. I sent them a letter requesting they only contact me via writing and surprisingly they havent called me since. I have just ignored them and their threats.

Wow! That's good to know. Thanks for posting this.

I have been getting calls from AFB and all of a sudden a letter in the mail from Audubon Financial Bureau collecting for creditor Cashnet USA. I have asked theses peolple to provide me with something and mail it to my address they advised me that they have sent me several letters. i asvised them no they havent. The Lady name is Anita Starks I have aked her to stop calling my job they call my family members even after I have spoken with them. They are crazy. She continies tocall my job and family members what do I do. Pleae help

Send them a cease and desist letter certified mail return receipt requested.....sample can be found on this site

im in ohio

I too just received a phone call from an Investigator Sparks who I will assume is the Anita Starks that Mesha received a call from. I stupidly gave them my home address so they can mail me whatever information they have. I also asked her to email over to me the information that she has and have still havent received the email. From the posts that I reading here everything that has been said to everyone else had just been said to me. Check fraud, taking me to court, etc. I am wondering because I live in the state of Florida if this can happen as payday loans are not illegal here.

Debts are civil, not criminal. Nothing will happen to you. Ignore the calls and stay off the phone.

Payday loans are not illegal in florida however they have to be licensed...most are not. Send a cease and desist letter.

That is true they do that. I got fired because I would not threaten people. Also they have us use alias so they will not get in trouble. I am sorry u guys have had to go through the torture. If u guys wanna sue I would testify for u because it is wrong

I know in Washington State a Collection agency must be licenced to collect any debt from a Washington State resident. I just looked up this "collection agency" and they literally just acquired a licence in Washington State on 4/1/13 but they are listed as a non revenue company. Their state of incorporation is DE.


I also have a payday loan through CashNet USA that went to collections. CashNet actually sells their debt to a reseller called Debt Management Partners. This company does not collect on the debt itself but rather sells the debt to other companies. This whole situation is fishy as both the person at CashNet USA and the person at Debt Management Partners stated that they are not affiliated with the actual debt collector and are not responsible or liable for any collection practices relating to the collection agency.


Like I said, rather fishy.


My debt was sold to Flow Stream Financial who is not licenced in WA and thus any monies they may have been able to collect are now null and void even if Flow Stream Financial actually decides to sell the debt.


I would also check with the agency in the state you reside in that regulates collection agencies to verify if the agency attempting to collect or scare you into paying is legal in your state.

I took an on line payday loan frombayside cash and now afb will not stop calling my work and they talk to everyone telling them I am a fraud and scum bad check writer.I paid the loan back had to close my account because they kept telling me I owed them money,I paid them back 3 times the amount I owed.Anyone have any advice that would be great.Please help.

Mail and fax them a cease and desist letter telling them to get lost.

Dear AFb
I hereby demand you cease and desist any and all contact with me and anyone associated with me in regards to acccount number ____________, original creditor Bayside Cash. Your agency has already violated the FDCPA and I will not stand for it any longer.

Govern yourself accordingly

Send certified mail return receipt requested and also fax then a copy.

Thank-you,
I did hire an attorney for harrasement.But I will fax them a cease and desist letter also.The only thing is I do not have an account number they keep telling me they are going to send me something via e-mail or mail and I never get anything.I do know they are in Getz NY.

I was getting calls from this place to,but other collection agencys have called me in the past was even worst.a guy from afb named mr santarini called and gave me a great deal once the conversation calmed down.i owed 680.00 and he settled me out at 480.00 sent reciept and a letter to my home calls have stoped i am greatfull for this,yeah some tactics thay use are far fetched but work with them thay will work with you,pay your bills scum its responsibility.

Where does the question of an account number arise when all they're doing is harass you?

because they are a BOTTOMFEEDER sanders okay?to be honest nobody should have to give out that info even if they have it.because as you said it is harrassment,but they most likely neither party has that info.your post makes no sense.btw the poster is suing this bottomfeeder,or trying to,but they don't need an account number.

AFB is threatening us because of a loan my husband took and we never finished paying. I know we paid well over the principal. I can't afford to settle this now. They can't actually take us to court can they?

if you are sure you overpaid the principle then report afb and ignore them.they are just a CA,and a lawbreaking one at that.report and ignore first to your local police.then your AG.

Audubon Financial got me for $800. They said the courts were coming to take me to jail and I got scared. They said I only needed to pay $200 yesterday. so I did they took $800 out of my bank. Please help.

Autobon Financial stole $178.00 from my bank account. I don't know how they got my account number, and I just opened my account less than two weeks ago,. These people are vultures and need to be stopped. I don't know what to do, I can't get that money back because when my bank called them, Autobon gave my bank all information about me (which is public) but they said my husband made an arrangement to pay them. First of all, my husband did have access to my account and secondly, it's a bunch of bull crap! These people must be stopped!

My husband "didn't have access" to my account,.