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Debt Consolidation Forums Identity theft - scams and security forums

Got a call from a collection agency on a loan I didn't make

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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.

Hi, I just had the same thing happen to me, I was contacted by "frontier financial group" also out of Las Vegas, NV. Telling me that I owed them for some cash advances that I had taken out, totaling 775$. (From Everest Cash Well, I never EVER did such a thing, they money was sent to a TCF bank account. FFG actually provided me with the routing and account number. I have a suspicion that it was someone I know-that was a former roommate-or her son that did this-I filed every sort of complaint possible, with the FTC, the identity/fraud division of the FBI, had a fraud alert placed on my credit reports, ect...filed a police report, the only good thing I have going is this bank account number. The detective seems to have given up...he was going to call the bank today to see if he could get any name on the account- this makes me so angry, I hope that this person gets caught, so I can prosecute. Good luck to you-

Sub: #11 posted on Tue, 06/28/2011 - 13:22


I would, at the very least, take the steps available to you to prevent access to your CR.
I would recommend placing an extended fraud alert in your credit file under FCRA 605A(b).
It is a step above just placing an initial fraud alert. It requires that you submit a police report to the CRAs. Extended fraud alerts last for 7 years, and prevent numerous types of activities without first making direct contact with you for approval.
The police report may also become important should any of the "accounts not yours" ever appear in your CR. The police report is a form of documentation of identity theft that can support a dispute of inaccurate credit reporting based on an assertion that the account was not related to any transactions of yoours.

Sub: #12 posted on Sat, 07/02/2011 - 20:05

Lian Lian

(Posts: 234 | Credits: )

reading your question was and reading all that happen to you was very similar to what happen to me except in my case i received a call from a mediator and he left me a very threatening message saying to me there has been a formal complaint filed against kenneth pettijohn if you have any knowledge of the whereabouts of this individual contact our office right away or we be filing the necessary paperwork. when i called them the next day i they told me that i had taken out a payday loan for 575 and they told me that i did this transaction in 2008 and paragon lending expects me to pay over 2300 dollars they gave me that one moment to make a settlement and if not they will submit this to the courts and i will be subpoenaed. they said i really have no choice because they have a ton of evidence against me. to go through it quick cause they only tell me a few first a copy of the check from a closed bank of america account, we dont bank there, they claim they send me lots of collection letters and 2 certified letters and those came back as undeliverable, i will say they do have the right address but i didnt receive any letters, they claim hundreds of phone calls, if they did i never got one message, they tell me the email and it was mine years ago but i stopped using it in 2004 and lastly the claim they verify my employer and when i asked who and they named a hospital, that in itself is a joke cause i have never worked at any hospital in my life and now they claim they are taking me to court i wrote a question and posted it yesterday but i honestly feel for you i myself could use some help cause i dont know the law i dont have a lawyer and i would like to know what information i should start collecting cause this seemed pretty certain this is going to court and i could use all the help i can get

Sub: #13 posted on Sat, 02/20/2016 - 02:05

kennethpettijohn kennethpettijohn

(Posts: 2 | Credits: )

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