Hello, first time poster, found this site while doing a search for the 800 number that the collection agency gave me.
Got a call from a guy today that worked for "FMS" (tel # 800-580-7611), asking for me by name, and he had my DOB and SSN. Apparently, a "500 Fast Cash One-Click Loan" in the amount of $600 had been taken by someone using my information about a year and a half ago. The only other information he had about me was a ficticious place of employment.
I explained to him that I've never made a loan of any sort, and he said he would send out a 'dispute form' to me. I asked for the telephone number of the company that claimed I made the loan, and he gave it to me: 800-430-2740. This is the number I searched for and found on this site. "United Cash Loans," out of Carson City, NV. According to two of the moderators on this board, that company isn't even licensed to conduct business in any state.
Right before hanging up, I asked the guy what address he had listed for me, and when he checked, he found out that they didn't have one. I asked him how he was going to send me a dispute form, and that was when he asked me for the address. I was a bit leary about giving it to him, but it didn't seem like he was calling with the sole purpose of obtaining information. After all, he'd already said 'goodbye' and was about to hang up when I asked him about the address. *This was the only personal information I provided*
Now, a few thoughts and questions come to mind. First of all, the name "One Click Loan" implies that it was made through the Internet - How is this possible? How can a company making a loan be sure that the loan is going to the correct person? If it wasn't made in person, there has to be some sort of electronic transfer of funds, isn't this traceable?
Honestly, is it that easy to get cash over the Internet anonymously?
I was planning on calling this company and asking them for some information:
- Where was the loan made?
- How was it made? (Check? Cash? Money Order?)
- If it was made online, what was the IP address of the computer used to make the loan?
I would think that I should be entitled to this information, but reading some of the other posts about them makes me think that they won't comply.
I just hope this doesn't turn out to be a big pain in the ass. How long should this dispute process take, and will this affect my credit if I actually decide to take out a loan someday?
What should I do?
Thanks in advance.
The thief who has got your social security number has your most important information. When any financial institution issues new credit to someone, they do a compulsory credit check in the person????????s name. The credit bureau will not allow this inquiry done by the financial institution without a social security number.
The social security administration will not fix your problems of the identity theft. They recommend working with each credit bureau, creditor, employer and government agency who are involved to remove the inaccurate information from your records, and then keep a constant watch on any suspicious activity on a regular basis.
Visit the social security field office in your area. Tell them about your incidence. They will suggest further whether you need to change your SSN# or not.
Is this thing going to affect your credit? Well, if this item is reported in your file incorrectly, it is going to affect your credit until fixed.
Sub: #1 posted on Thu, 10/19/2006 - 10:15
(Posts: 479 | Credits: )
So now I've apparently got a bank account in a town I've never even visited before. I'm considering calling the bank and asking for the activity on the account, but I don't have an account number, and don't feel like giving out my SSN to anyone else.
Again, thanks for the advice. I will follow your steps in reporting this, and I can't thank you enough for your information.
(I hope I'm not out of line by saying this, but I never thought the angel that would help me through this would happen to be so beautiful...) :oops:
Sub: #2 posted on Fri, 10/20/2006 - 21:27
(Posts: 8 | Credits: )
Sub: #3 posted on Sat, 10/21/2006 - 10:26
(Posts: 479 | Credits: )
I have one major credit card that I use, and I just called them to try and get some documentation on where I was on that particular day (if I'm charging a lunch on that day here, how could I possibly be taking out a loan 300 miles away at the same time?) - since it's been so long ago, they'll have to put in a request for that info, and I need to call back in a day or two.
I'm not going to lie here, but I'm seriously getting pissed off at this whole ordeal. I want to know who did this, and I want to know what companies made it this easy for that person to use his fake information.
Here's a real question: Supposing the authorities catch the person that used my information, would they supply me with his information? It seems only fair to me. He had my info long before I even knew he existed, seems that I should have the right to his information. What I wouldn't give for an hour alone with this individual.
Sub: #4 posted on Sat, 10/21/2006 - 22:13
(Posts: 8 | Credits: )
..you may not have to pay it.
Truth time: I'm no stranger to message boards, and when I first read this, I dismissed it as the usual joking banter that I'm familiar with... But after I replied and turned the computer off, I started thinking - I think she was serious when she said that!
Make no mistake about it - there is no way in Hell that I'm going to pay back a loan that I never made. It's bad enough that I have to go through all this hassle - but to think that some company or credit bureau might hold me responsible for some other company's mismanagement of my personal information is beyond contempt.
I've already come to terms with the fact that I may never find out who stole my personal information, but suppose I can find out what company's database was hacked - do I have any legal recourse to sue?
I'm known to my friends as the most paranoid person they know, as I keep all my receipts and documents with any personal information on them, and when it comes time, I shred them, and then burn the shreds. It's a complete shock that this turn of events has happened, and it pisses me off to no end that someone else (a company, for instance) could be so careless with my personal information that they could let it fall into the wrong hands.
Sub: #5 posted on Sat, 10/21/2006 - 23:46
(Posts: 8 | Credits: )
Sub: #6 posted on Sun, 10/22/2006 - 06:28
(Posts: 1245 | Credits: )
Sub: #7 posted on Sun, 10/22/2006 - 19:58
(Posts: 8 | Credits: )
Sub: #8 posted on Tue, 10/09/2007 - 17:06
Sub: #9 posted on Tue, 10/09/2007 - 22:44
(Posts: 8 | Credits: )
fms-collectdotcom/index.htm
800-580-7611
800-999-2443
918-747-4884
info@fms-collectdotcom
Headquarters: Tulsa, Oklahoma
Other Locations:
Branch Operations: Reynoldsburg, OH
Sales Office: Kansas City, KS
Sales Office: Mission Viejo, CA
National Reach: Licensed and bonded in all 50 US states, with over 800 collection seats in two regional call centers - with plans for further organic growth.
Top Executives:
John A. Smith - President
Paul D. Rongey - Executive VP
Hank D. Markowe - Executive VP
Walter S. Smith - Sr. Vice President
800notesdotcom/Phone.aspx/1-800-580-7611
Sub: #10 posted on Fri, 02/12/2010 - 09:00