Checksmart keeps calling me and my family!

Whenever you plan to file a complaint against a collection agency make sure your complaint contains the following

• The registered name of the collection agency
  
• name and identification of the representative calling on behalf of the agency
  
• collector identification number

Well, its me again...:D I just stumbled upon a piece of information and think it might gonna help in your case. So here it is...

The Better Business Bureau is another place where you can file complaint against the problematic collection agencies. Also you can knock the door of

Business Practices and Consumer Protection Authority
Phone: 604.320.1667 Fax: 250.920.7181
Toll Free in BC: 888.564.9963
Web: www.bpcpa.ca

Hope the inputs help.

Checksmart is a payday loan company and they do their own collections. If you need an address for them, I can get you their corporate address. If you have never taken out a payday loan from them, I advise you to call the cops. Someone has stolen your identity then. I know the Checksmart offices in Columbus Ohio takes your picture when you take out a payday loan, so that may be proof enough its not you. Have you ever notice a check from Checksmart bouncing on your old account?

Good advice from Ryan....do you have a police report from the break-in? I wonder how they got your sisters number. :?

I was wondering also, but they said they stole a old cell-phone. In my cell-phone my brother is listed as my brother and not by his name. Thats the only way I can think they have the name for a reference. I'm sure that Checksmart have a camera hooked up to their computers, so, it will be real easy to prove you are not the person. When you first sign up for Checksmart they take a photo picture of you from a web camera and your picture comes up every time you go into that store. Call the police and report this. It????????s easier now to take care of this because Checksmart doesn't craw back in their hole and disappear. Ignoring their phone calls will bring a court case as they sue people.

Also, they do not have to follow the FDCA laws as they are primary party and collections is done by their company.

Also, they do not have to follow the FDCA laws as they are primary party and collections is done by their company.

good catch! fdcpa is not applicable to first party.

Here is Checksmart Corporate Address

Buckeye Check Cashing Inc.
7001 Post Road
Dublin, Ohio 43016

Let me know if there is anything else I can help with.

If you think this loan was taken out in Sept. When your house was broken into, you would have started getting calls long before now.They usually dont wait 7 months before calling. Did you notice this 500.00 in your account prior to closing it. If you closed it asap, they would not have been able to put the loan money in the account.

1. Pull all of your credit reports and see what is up. I received a bunch of calls about someone who had a name similar to mine.
2. If identity theft, file a police report
3. If identity theft, use the police report to contact all of your credit bureaus and put a FREEZE not a fraud alert, a FREEZE on your report. As a victim of identity theft, you may be able to do this for free.
4. Send a return receipt requested letter to these clowns and tell them that this was identity theft and that you don't owe the debt and not to contact you again about it.
5. Dispute the item on your credit report using the police report.
6. Invest in a good fireproof wall safe (the cabinet kind). Yes, they are about $500 but when you get done with this, $500 will seem like a cake walk.

Good luck with this and let us know how it goes. Be firm, no one you will speak with will be happy about just forgetting it but you are within your rights to demand it off your credit and the collector goons to stop calling.

Guest by Design

Keep in mind that this may not even have anything to do with the break in, that could just be a coincidence. I would contact Checksmart again, speak to a supervisor and inform them that you never took out any payday loan. Ask then to provide you with everything they have on this account. I can't imagine that they would refuse you, but who knows?

Hi this is the original poster again,

I had a police report when the original break in happened and tried giving the case # as well as a contact to the local police department to a checksmart rep but they refused. also theres no way for me to check the old account as I had it completely closed. I can understand how they got my sisters phone number as there were only 3 contacts on my phone list as I had the phone for only a week.

after reading some stuff online I decided to go into checksmart myself today. There were no webcams in place to take ones picture. I asked them the procedures to take out a payday loan and then asked them what about identity fraud and someone coming in with a stolen checkbook and fake references and if they check the references right then and there. they told me they don't check references (of course) and was also surprised to find they don't call the bank when taking a check, some employees will check the bank of the check to make sure it's good while others just don't bother.

so it seems to me that this company isn't following, what I would assume, standard guidelines with the whole pay day loan process.

After I had grilled the employee with my questions I walked out, honestly disgusted. it seems anyone could walk into this establishment use any old phone number and any one elses phone number and address they found with anyones check and take out a loan. it's disgusting.

I'm talking with my attorney today as well as filing out a police report and sending off letters directly to checksmart in ohio.

OP,

I would think that in order to satisfy the credit bureaus and the debtors, you would need a separate police report proving the identity theft and showing evidence of it.

I would also hurry down to your local church and pour the holy water over your head to cleanse yourself from having stepped foot in those sleazy places! :D

New

and the debtors

??

I was hoping you may get lucky with them taking a photo and storing it in their database. I know the stores here in Columbus take your picture. Good luck to you, this store is horrible to work with.

I want to say thanks to everyone for the assistance in this annoying issue. This site is really great for folks that need help in these matters. I personally don't have any debt but this little episode has opened my eyes to the problem facing this country and predatory lending. I honestly don't know how some folks can live their daily lives while constantly being harassed by these monsters to collect such a small debt amount. $10,000+ maybe i could understand, but for amounts $500 and lower? seems a bit much.

the funny thing is i'm moving out of the country at the end of this month with no plans on coming back. I'm not that concerned about them hitting my US credit rating as i'll never be using it again. At this point my only concern is them harassing my family that still live here.

Again thanks to everyone for the help and advice on what to do. I think i will make it my personal mission before I leave to try and seek some kind of justice against these goons.

:cool:Quote:

Do you have a question? This post is over 2 years old. Are you having an issue with CheckSmart that we could help with?

They keep calling my 80 yr old mother who is taking care of my 85 yr old father who has cancer. They call her twice a day, once in the morning and once in the evening, even after she has told them I haven't lived there in 20 years. I can tolerate their calls, but she should not have to be harrassed like this. I just put in a complaint with the FTC, but not sure what more immediate measures I can take.

Maybe give them YOUR phone number?? And address?? Or send them a cease and desist letter.

Or pay them what you owe them and don't use your 80 and 85 year old parents as references on legal loans you don't intend to pay back.