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?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
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