FSM Processing, United Federal Bank, and Jail?

alexhortdog95,

Did you check whether the money was sent to your debt account? Gather all the receipts of your payments that you made to the company and ask them to update your account if it has been paid in full.

Another agency is contacting you because the account has not been updated with the bureaus. This can only be done by that company that was holding your account previously.

I also received the same call form Anthony Galloway andAssociated this last Friday. They said the same thing to me. ART had the account and I sent a letter of validation to them and 3 days later this guy from Anthony Galloway called and told me to have my family and lawyer on stand by to get me after I am arrested for check fraud. I told them I wanted validation for this account in writing and he said this call was just to inform you about the charges being filed against you. IF they were going to file charges against you they wouldnt give you warning about it. I think it is just another Ellis Crosby company at work.

Here's what I did:

I spoke with FSM, took the information of the man I spoke with. In the meantime, I called my own attorney, and made them aware of the situation. Got a call back from FSM and they said that the only agency I should be receiving calls from was ART (who have been very nice in the matter), and that if I get any more calls from Ellis to tell them to stop calling me. If I get another one, I'm going to refer them to my attorney.

Thanks for the imput. I will just deal with ART in this matter. I will wait for the letter of validation from ART. Thanks again.

Do any of you have the address for Anthony Galloway & Associates. I keep asking them so I can send a debt validation to them but they give me the run around. They claim they are not a collection agency, but instead a lawyer working on behalf of the creditor. But it's funny b/c when I asked where I could send payments, they would gladly take my payment. Sounds crazy to me.

Do not work with them at all. I received a letter stating that Ellis Crosby and associates aren't collecting anyone's accounts anymore - due to fraudlent and threatening collection practices.

i took out a payday loan with this same company for $300.00 and so far they have taken over $1000.00 out of my account and continue to try to take more, problem is i do not know how to contact them, to tell them to stop do you have an e-mail or phone number, any place i can contact them, it would be greatly appreciated,

email removed as per forum rules - Vikas

Hi Julie58

Welcome to the forums.

You might think of closing your checking account as you have sent more than you owe including the interest charges.

Once the checking account is closed, the company will try to contact you. Request for the loan statement that will give you details about your payments. If you have paid much more, you are likely to get a refund also.

Here is the address to contact FSM Processing

11 E. Gregory Blvd #Ste 200
Kansas City, MO 64114
Telephone: (816) 822-8677

Regards
Roxette

I just recieved a call this morning from a man by the name of ernest presley that left on my answer machine that i needed to call and it would be in my best interest to have a lawyer on the phone with me and if not then he wish me the best of luck. I called the number back and he told me that united fed bank was going to send my file to be prosecuted at 12pm today if i didnt pay them. and put it as a no show like if i were to be running from them. I asked if they would take pymts and he placed me on hold and like if he were calling the bank and said they did not want to hold on to the file anymore and wanted it paid today. and he said the pymt could be sent by money gram and gave me some recieving number.

I have three PAY DAY LOANS out right now and seem to be drowning in trying to pay my everyday bills and will not be able to pay the loans back right away----Does that mean I will have the police at my door if I close my bank account?

Hi Guest

Closing your checking account will stop all the withdrawals that take place in it. Later, when the company will contact you, you can arrange for a payment plan with them and stick to it.

I suggest you to make this move before they contact you. They will understand that you are going through some financial difficulties and thus are willing to make payments arranged for you.

Regards
Roxette

Today I received a phone call about the loan I received from this group. I had tried to reach them concerning the payoff but they never would return my phone call. I was laid off from my job and couldn't pay the loan.
BUT I was willing to work out a payment plan to pay this off and I am still willing but I need some time to do that. If someone would please email me I would be glad to work this out. Otherwise I don't know what to do. Thank you for all of your help. Kathy Dorton

email address removed as per forum rules - Vikas

Hi Kathy

Please send a payment proposal to FSM in writing so that they can review it. If you can advance them some money along with the proposal and stick to it, it will be more appropriate.

Regards
Roxette

why get loans if you're not going to pay them? And then when you don't pay then, think there are no consequences. I would suggest if you sign up for something, read the documents....... esspecially if it concerns your banking account information...... if they give you a number, keep it. so many people on here are lying, it's not even funny.

Some of the lenders don't give their phone numbers, just fax numbers and they keep their addresses a secret. What purpose would we have of lying on here?

People having some problems come here to get some solutions. Nobody is there to lie. Very often moderators and members of this board offer visitors to go through the loan agreement carefully, so you were unable to add some new shade on it.

Lenders often do unlawful activities and agreement papers cannot help them in this connection. Payday lenders often make an agreement of voluntary wage assignment and get it signed by the borrower. Now when the borrower defaults they start wage garnishment threats. I think you know very well that wage garnishment and voluntary wage assignment are different by law.

Moreover, the papers they produce for wage assignment is not lawful. Voluntary wage assignment should always be signed by person, digital signature is not enough. So in case of online loans, wage assignment sounds to be vague.

Hope you understand now, why people come here. Please feel free to post your queries in this forum also.

Okay I think it is time for all of us to band together and shed some light to the people who keep coming in here are telling us to pay our bills, calling us liars. Seems to me the people who come in here and critize us have never had any financial problems, their world is perfect. Well guess what, this world is not perfect by no means and in no way is everyone perfect.

I have worked in collections, and believe me..I never treated people the way some of these collectors do. I was never having any financial trouble while I was working in collections, but since I have been having trouble I have been called names, threatened, called lazy, harrassed, etc. I was a supervisor at one time and would have fired someone immediately if I heard them say things that were said to me. Maybe it is because I worked in medical billing/collections so I guess you have to have a little more compassion...since these people have bigger issues than financial problems. But, I just wonder what it says for the companies these people work for.

I just got that same call. The date that they gave me for my supposed loan and I never received that amount in my account. Did you ever get any answers with regards to this matter?

crbmw32,

Send them DV through CMRRR. Once they receive this letter, they are obliged to send you debt validation. This will help you in proving their demand to be illegal.

On Jan. 31, 2006 a man called me at work stating he was calling on behalf of FSM group, he had all of my info (my ssn, home address, work address, etc) he said my file was going to be downloaded and my checks were going to be garnished if I did not pay them $640 by 12pm. I made an arrangement to pay half the amount by 7pm that night. I did pay the amount by moneygram and I still have my receipt. On yesterday I recieved the letter from ART when I called to explain that paid another company they told me about this Ellis and Crobsey companies fraudulent accounts. Is there any way I can get my money back? The company that called me name is Pre Litigation Services. Maybe the changed there name from Ellis and Crobsey or Anthony Galloway

Maxcelle,

Hope you had done some research before sending your money to them! Most of the people get scammed because they are not aware of what is right and what is wrong. You should have asked for validation before sending your payment. Never send a dime to a third party collection agency without confirming their authenticity.

Also you should have made an agreement before sending payments. All those are legit, will honor your request and cooperate with you.

Anyway, I would suggest contacting your original creditor at this point. Show them the receipt of MO that you sent. Try to convince them that while paying you thought it was going to your creditors. See if they can deduct this amount from your balance.

What if I don't want or cannot close my account payments are taken from

Guest,

Could you please explain more about your situation, so that members here can put their comment after considering your problem?

Closing an existing account is not very convenient, but consumers have to do this just to avoid unwanted debits by some other companies. If you are not willing to close your account, ask your bank to block a particular creditor/individual who might hit your account fraudulently. Or make sure no withdrawals are done without your knowledge.

I got a loan from FSM for $200.00 back last fall and had to close my checking account about 2 months because someone had gotten my checking account info and was taking money out of my account without authorization. I contacted FSM Processing and let them know this and asked for their mailing address so I could send payments and never heard back. Yesterday I get a phone call from a Robin Woods at United Federal Bank who told me that if they didn't get the money by 12:00 yesterday that they would I would "go downtown" I assume meaning jail. I told him that I had been working at the prosecutor's office for 6 years and that I had never heard of anything like this before. He stuttered around and began getting very nervous. When he called me the first time, he give me a phone number located in Statten Island, NY; told me that they were located in Jacksonville, FL; and give me a FAX number located in New Mexico. I faxed them a request in writing for a statement of my debt, any and all info in regards to United Federal Bank and the phone number and address for FSM Processing. I never heard back, then today he called and I asked him if he received the fax and he put me on hold and got back on the phone and said that he had received it but that they weren't aloud to fax any info out until the amount was paid. I am currently speaking with an investigator about this situation.

Quote:

I too have been a victim of the malicious and harrassing phone calls on behalf of United Federal Bank AND ART. What these people don't understand is that post-dated checks aka payday loans aka check advances aka whatever do not fall under the same guidelines as "bad checks". The lender knows the check is bad when they take a check for a future date. Legally speaking if a payday loan goes unpaid it is considered a "bad debt" and does not typically adhere to "bad check" stipulations. If these companies were going to take legal action, they would warn you when someone showed up on your doorstep asking for your signature for a court summons. My best advice and the advice I received from my attorney is to close the checking account, keep the dates when the check was written and when you closed the account, send a certified letter specifying you cannot pay, and then set up arrangements. If they refuse arrangements, send them money orders. Keep the stubs to the money orders and photo copies of the envelopes you send them in and send everything certified and keep ALL of your receipts. If they want to take you to court because they can hardly speak English and don't know the laws of our country, educate yourself. Know your rights. Any company that refuses to provide proof of debt is purposely breaking the laws of this country that state if you submit a request in writing they must honor that and provide proof of debt.

I have been reading this forum and have thought that this so called agency has similarities to other collection agencies in other forums. Upon reading another Forum named Paul Kuperstein - the same situation applies there. Could there be some sort of a connection that possibly this Paul Kuperstein is using another name. From reading the comments, that is the way the company in question is operating (i.e. verbal harrassment on the phone) - they sound like the same scare tactics. Has anyone received addresses, phone numbers, names, etc.?

I have saved voicemails and have phone numbers but no address. They refuse it every time. People have entered into class action lawsuits for similar things in other states. I know in Texas a similar lawsuit was just approved by a judge. This is awful. I am so glad to know I am not alone. What should we do? :cry:

I too was contacted today from a lawyer, supposedly in Florida, threatening a lawsuit and even gave me a case number if I did not pay $1600.00 today. My original loan was $300, I paid one $90 fee, and they will not let me pay in full. They said they represented United Federal Bank and were also suing for a Platimum B Credit card I did not want. Now what should I do?

Marie,

Contact your lender and explain your situation. Also offer them a payment. Insist them to deal with you and not to send your accounts to collection.

United Federal Bank is a collection agency, hence they should provide you with debt validation. Ask for it. Send letters through certified mail with return receipt requested.

I received calls from this same company, they know my SS# and work place. They threatened to come to my work and arrest me if I didn't pay them $925 by 3pm today...when my loan was for $200. I was forced to close my account for other debt related reasons so the loan never got paid off. Should I worry about these people? I contacted the collection company (Plaza Processing) that United told me referred the account to them. I have not recieved a call back from them as of yet. What should I do?? I WANT to pay this off, but am afraid of other legal consequences now....and these people at United do NOT speak clear Engligh - it is very hard to communicate with them. Then they hang up on me when I say that it is impossible for me to pay them the entire amount right then.

I received a similar call from a man named Andrew from Andrew Harris and Associates who was threatening me with check fraud and stating charges are being filed against me, I'll have wage attachemnt, etc. I responded to him by telling him that it is illegaland in violation of the FCRA to make empty threats such as wage attachment-which is illegal in my state (PA), and that pressing criminal charge is a bogus threat-he hung up on me and when I called him back-he hung up again-read the FCRA-fair credit reporting act

Wage attachment is something different from wage garnishment. Go through this topic for better insight-

http://www.debtconsolidationcare.com/forums/levy.html

You can cancel wage attachment if you wish. Send them letter through certified mail with return receipt requested to cancel voluntary wage assignment/attachment whatever.

I obtained a loan from these people. I don't have a number for them and I want to pay them back. This last week, they took $110 for a $200 dollar loan!!

Rio Resources,
LLC 515 G SE
Miami, OK 74355

You can also search BBB website for more details.

Today I recieved a similar call. They have taken more than the loan amount in interest from my account because I didnt pay the loan off. The bank closed my account. The man whoi called said he had paperwork to dowload to the state at 12pm unless I payed double amount via Western Union. He said if I didnt he would download this to the state on Fraud charges. I asked for the number to conatct the loan company to set up arrangements and he did not provide any. Is this real.

Anyone who tells you that they're going to initiate a criminal action in your state for fraud, when you took out a loan and they've already been paid more than the amount of the loan, is blowing smoke. Tell them to go ahead and file their complaint.

(1) In order to file a complaint, they'd have to appear in person before a magistrate where you live and swear to the facts under oath.

(2) Proof of fraud, in either a civil or criminal context, requires evidence of a misrepresentation of material fact by one who knew, AT THE TIME the representation was made, that it was a false statement; that he lied intentionally with the purpose of deceiving another person to the detriment of the latter, and that the other person was in fact deceived and did suffer a legal detriment. So they'd have to prove that at the time you made the loan, you knew you had no intention whatsoever of ever paying it back.

If the bank account information you gave them was correct at the time of the loan, and you authorized them to take money out, and they did so in amounts greater than are authorized under your state law, it wasn't you committing the fraud, it was them. When they took money out of your account in excess of your lawful authorization (amounts greater than allowed by law in your state are not "lawful"), that was wire fraud. Go tell the police; take a copy of the statute and your bank statements with you.

I initially agreed to a cash advance with a different company months ago and received those funds. The following day another company, FSM deposited more funds into my checking account without my verifying so. They claim I agreed to their terms, when indeed I never signed up with their company. I received an e-mail from FSM Processing that the funds were disbursed into my account. I contacted them and asked where they got my information and that I did not sign up for their services. They said they got my info. from a 3rd party site and that the contract I signed with the OTHER company was binding and that the contract applied to their application process also. I was on hard times fighting for custody of (my husbands) children and accepted their terms ONLY if their documentation was either faxed or e-mailed to me. After several attempts, and 8 days later, I recieved only a ONE page contract and no further information. I made several phone calls to get them to give me more information, but they claim they could not send anything further because the terms and agreements were just that of what I agreed to on-line. I lost my job in May 2005 and was unable to pay them (only 1 month after my initial "agreement") and here it is May 2006 and I can not get anywhere with these people. I too received the threatening calls and harassment. Thank GOD I am not alone. I have not been able to find any contact information for FSM and even if I do, I'm sure I'll get the run around just as you have. This is insane. I'm curious as to what TEXAS lawsuit you are talking about. Any information is helpful. I too worked for the District Attorney and know what steps I need to take and I will. Thank you all for your stories. I know now I am not alone.

Fsm processing can be reached at 1-866-516-9300. Talk to Kathy Reynolds at extension 224. I am quite surprised with the way some companies are doing their business. In your case, I understand that you gave your info to some company online and they passed it to some other company who also deposited money in your account. This is like you applied for one amount and the company from other sources deposited double the amount. This further adds up the interests and all other charges. This is purely illegal business and these things should be reported to the AG's office in your area. Your privacy is the main concern and the companies are passing it to others without your information. You must also file your complaints at the FTC and the BBB for immediate actions.

I've had the same calls from Sam Cobb and Fred Lawson about payday loans. I intend to pay my loans off but am strapped for cash after my account has been drained by their finance charges. I keep getting the calls from this company - they say they're representing United Federal bank and FSM Group, ASAP, and ACCESS Processing.

So do these companies actually issue the loans then? And why can't they give me the pertinent information about my loans and accounts? Sounds kind of curious to me.

George

George

The federal laws state that the CA should send the details of the debt in writing. You can legally refuse to pay them until they have validated your debt. Send your letter through certified mail for proof of your actions.

How can I get in touch with someone from this so clled FSM Group? For the past 6mths I have had money withdrawn from my account in the amount of $110. That's happening every month.

Seems that this "company" represents many PDL companys. I've gotten way too many calls from the same place about my pay day loans, all with the same threats as mentioned here. Seems like everytime I ask for a number to call back I get a different number. But each time I can talk with this Sam guy. I've asked for some kind of verification/account paperwork each time I called but I have yet to receive it.

affidavit @ Tupscorp.com for PayPal purposes
or Pay Services for Western Union

Really seems "scammish" to me.

904-685-5008 Sam Cobbs
407-574-2413
305-433-8367
732-203-7708
321-206-4136 Daniel Lopez, Fred Lawson

Seems that this "company" represents many PDL companys. I've gotten way too many calls from the same place about my pay day loans, all with the same threats as mentioned here. Seems like everytime I ask for a number to call back I get a different number. But each time I can talk with this Sam guy. I've asked for some kind of verification/account paperwork each time I called but I have yet to receive it.

affidavit @ Tupscorp.com for PayPal purposes
or Pay Services for Western Union

Really seems "scammish" to me.

904-685-5008 Sam Cobbs
407-574-2413
305-433-8367
732-203-7708
321-206-4136 Daniel Lopez, Fred Lawson

I owe for payday advance. Today I got the first call to pay my payday advance in full or someone would be sent to my home of job to arrest me for check fraud. I tried to make arrangements, but they want $500 today, which I don't have. Each time I ask to make a payment plan, they threaten to arrest me. Can I do that? What can I do?

They will not arrest you or file fraud charges. This is a very common threat from the online lenders. They think they can break the law and get away with it. Don't let them smell the fear. If they get a sense that you are scared they will feed on that. Be strong, stand your ground and let them know you are the one in control. If it is the collection agency you are referring too, send them a debt validation letter certified mail with return receipt along with a cease communication letter but be sure to state in the cease communication letter to only communicate with you by USPS only.

I will send a letter requesting they cease contact with me other then USPS. Does anyone have a mailing address for them, specifically Daniel Lopez or Brian Adams are the ones contact me, but they wouldn't give me an address. Thx

This is all I can find in the way of an address.
Big Pine Key, FL 33407. I will look through the forums and see if I can get an address.

They seem to be affliated with Platinum B Services. They violated several fdcpa laws and you need to file complaints against them with the AG in your state and in the state of Florida, FTC and the BBB. In your complaint include all threats they have made and the names of the people who have called. If they leave any messages, include a copy of the messages with the complaints.