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Need Help with U.S. National Bank!!

Submitted by on Thu, 06/05/2008 - 09:27
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I apologize if this post comes up a second time. I tried to add a reply to another post but I do not see it showing up anywhere??

Anyway, I am panicky right now even though I am trying not to be based on what I have read here but it is still hard.



First of all calm down, there are alot of people on this board that will help you through this. The first thing you need to do is send them a cease and desist letter that will prevent them from contacting you at work. Do a search in the search box and you should be able to find one to use or simply type one up yourself and send that to them by email, fax and certified return receipt requested mail.

Then I would write letters to your state's attorney general's office, submit a complaint to the BBB. You are correct to request documentation in writing from them as to who loaned you the money, the amount in principal and interest.

Like I stated before someone will be along to post your state laws and help you further.


Submitted by ladybug on Thu, 06/05/2008 - 09:38

ladybug

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I have had the same phone calls...from the same company. And I am waiting for them to show up at my work to take me away...is what they said. The group has apparently been in trouble with the government but keep changing their name. I spoke to someone at BMG (Bahaman Marketing Group)who I took the loan out with and paid. What is happening is this company has old records and keeps calling on people with threats. I will tell you the threats are hard to take because as a law abiding citzen I always try to make things right. And when someone tells you they are going to press charges and you are going to jail...my blood pressure arises.

But I understand where you are coming from.


Submitted by on Thu, 06/05/2008 - 09:44

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Guest, do not waste your time or energy calling an attorney. The threats that they are making, they can not follow through with. If they claim to be collecting for pdl, send them a request for debt validation and be done with them. Just be sure to send the letter certified return receipt requested. Here is a link with a letter you can use as a template.


http://www.debtconsolidationcare.com/settlement/about34520.html


Submitted by RoxyNY on Thu, 06/05/2008 - 10:14

RoxyNY

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Thanks, Roxy. I didn't realize I was signed in as Guest. I do plan to send this but how do I get them to quit calling?? I am scared to death they will call my employer. Also, how do I report them to the authorities and to whom??


Submitted by on Thu, 06/05/2008 - 10:25

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I am preparing the letter you sent. I have a couple of questions. I note the letter says I request they do not contact me anymore via telephone at work or at home.

Is there something I can put in there that will keep them from calling anyone at my place of work?

Is there something I can put in there that keeps them from calling people I know. I believe they may have called one of me neighbors.

I do not have an account number to put on the letter. They never would give me one. Should I just put my name?

Also, they gave me two different names of companies (one time they said they were calling from Morgan and Associates and another time they said they were U.S. National Bank). Should I send to both names at both addresses they gave me?

Sorry to ask so many questions. I am just so worried about my employer. Thanks.


Submitted by on Thu, 06/05/2008 - 10:36

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j, that is ok...what I did was send the letters to whatever names and addresses I had..when I got my green cards back I attached them to my letters. You can add the clause to the no contact paragraph about not contacting your neighbors or relatives or co -workers, you are giving them an avenue to contact you through written correspondence. I did not have account numbers either so I put the last four of my ssn... If they are indeed a 3rd party CA then they have to follow the fdcpa, so after you get your green card back verifying they got your letters, start keeping logs of when they call etc. If they violate the FDCPA, then you can take it to the next level. I explained to my employer what was going on and that the debt was paid but the company does not want to recognize it and I am trying to rectify the situation through legal measures but the CA is violating the law. In your case the debt is not yours so you can tell them that.


Submitted by RoxyNY on Thu, 06/05/2008 - 10:46

RoxyNY

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Thanks, Roxy. Just to make it clear, I do have one, maybe two outstanding payday loans that I did not totally pay off about 3 or 4 years ago, however, I never had one with Cash Today. I am wondering if the guy might have a collection from one of the others when he said it could be any of 250 companies?? But, at any rate, I do not and never have had one with Cash Today. I guess I need to still send the letter since I am asking for validation of the debt??


Submitted by on Thu, 06/05/2008 - 10:50

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J, it is me Roxy for some reason I can not log in...anyway, yes send the letters. And technically, they are trying to collect a debt that is not yours if you never had a loan with Cash Today. Think about this...when you applied, you gave them all your info inculding your DL number and ssn...that is poor record keeping on anyone's part if they can not tell you who your loan is with, and since they can not tell you, it just goes to show, they are trying to scare you into paying and get money from you. Make them validate it...odds are, they can not. That may atleast get them to stop bothering you. :D


Submitted by on Thu, 06/05/2008 - 11:37

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Hi, Roxy! It occurred to me I would like to send these overnight so they will quit calling me. However, then I will not have the return receipt. Should I go ahead and send them regular mail with return receipt so I have those back? I am just worried they might call my employer in the next few days??


Submitted by on Thu, 06/05/2008 - 12:03

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Well, I just a certified/return receipt letter to both Mason and Associates as well as U.S. National Bank. They gave me both of those names yesterday even though the phone number was the same. So, there really is not a U.S. National Bank??


Submitted by on Thu, 06/05/2008 - 12:51

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J, I still can not sign in...it is Roxy again. Frog knows his stuff, so I would guess..nope. But, it hurt nothing for you to send the letters. I understand the whole call you at work and call your employer thing. Alteast if nothing else you can prove you are trying to take care of this to your employer. The worst that could happen with the letters is that they come back to you. And that happens alot with the CA's that collect for pdls. The thing is, as a scam company they may not stop calling you....hang in there. If all else fails, I have a whistle you can borrow for the next time they call :shock: :lol:


Submitted by on Thu, 06/05/2008 - 15:10

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Well, I have not heard from them today. This almost scares me as much because they have been calling like crazy the past couple of days. It is still early in the day but they have typically called by now. I did talk to my attorney this morning and he had me send him written documentation of what they had said to me, etc. However, he really did not sound too hopeful there was anything we could do. He said people like this operate illegally and if they go to these kind of extremes in the first place, they are generally not concerned about the law.

I am still worrried ...


Submitted by on Fri, 06/06/2008 - 09:44

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j,do not be worried.that is how these lowlifes operate.a deluge of calls,then nothing.then another deluge.they can't and won't do anything except call to annoy and threaten you.


Submitted by paulmergel on Fri, 06/06/2008 - 11:35

paulmergel

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Thanks everyone for all the good advice. I am still a little nervous that the calls have stopped though. In his last message, "This is your last warning and the last call you will receive." Is this just another scare tactic??


Submitted by on Mon, 06/09/2008 - 09:41

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they are nervous,because you haven't been
returning there calls.tweety71 was supposed
to be downloaded two weeks ago.nothing,do not
worry they can't do anything,just not the tone
in there calls.it will sound more desperate.
just laugh and delete there messages.


Submitted by paulmergel on Mon, 06/09/2008 - 10:21

paulmergel

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Well, I spoke too soon I guess. My daughter said they called the house a little while ago and when she hung up on them, they called right back. What do I do?? The thing is I know I have a couple of payday loans out there that were not completely paid but it was not with Cash Today. I frankly don't remember who they were with since they were a few years ago. This guy told me on the phone the other night that U.S. National Bank has over 250 payday lenders on the Internet so I supposed it is feasible I could have had a loan with one of those 250 companies. Then what?? I did send the Cease and Desist letter to them but if they really have no valid addresses, I doubt if they will receive them. What should I do? Should I call them back??


Submitted by on Mon, 06/09/2008 - 11:25

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what for?all they will do is threaten stupidly.
there is no point,just hang up on them.see if you can get a #off caller id then don't answer,or just hang up.


Submitted by paulmergel on Mon, 06/09/2008 - 11:28

paulmergel

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I understand what you are saying but what I do owe money to one of these 250 payday loan companies they represent? I may very well, however, I have never had a loan with Cash Today which is who they are calling me about.


Submitted by on Mon, 06/09/2008 - 11:33

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I had read on here about T&C. Do any of you have experience with them? I have three payday loans. Would it do any good to call them to see if they can help me consolidate them? I notice some posts on the website say there are no companies who will consolidate payday loans?? Sorry to be so nervous over all of this!


Submitted by on Mon, 06/09/2008 - 11:35

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that is not the point,demand something in writing.
they have no right to keep threatening no like this,if they are not going to provide any info or send any info,then don't talk to them.as i said before they can't do anything but call and be stupid.make them give you info or don't be bothered.


Submitted by paulmergel on Mon, 06/09/2008 - 11:44

paulmergel

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I know you keep telling me not to worry about this but they have called twice again today. I sent them a Cease and Desist letter but if they do not have a true address, not sure if anyone will even be able to sign the return receipt to show I sent it?? Thanks and sorry to be so nervous! I am just so afraid they are going to call my boss and then I may be out of a job!


Submitted by on Tue, 06/10/2008 - 11:28

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to save your job you will have to stretch the truth slightly.tell him this is a scam company,or tell him you were a victim of identity theft.make your boss your ally,not your enemy.in fact it is fraud if they keep this up.they won't give you any info and there threats are illegal and comical.i understand you are nervous,but you have to get control of the situation,and the way is to talk to your boss and never talk to these jokes again if you can help it.


Submitted by paulmergel on Tue, 06/10/2008 - 11:40

paulmergel

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My boss is out of town now until the latter part of June. In between the time of sending you a note and reading your response, I did talk to our switchboard operator and told him about the situation. He said he would not put the call through but I am still afraid if they are smart enough to hit "zero" and roll out of my voice mail, they will get a live person.


Submitted by on Tue, 06/10/2008 - 11:56

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let your co-workers know too,you shouldn't be going through this.let them help you in dealing with these jamokes.


Submitted by paulmergel on Tue, 06/10/2008 - 12:08

paulmergel

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Oh man, I am so embarrassed to tell my co-workers. As I said before, I know I have some pdl's that were not paid completely but they were never with Cash Today. So, I may owe something. I know you keep saying not to worry about it since they have to prove the debt but I am still scared.


Submitted by on Tue, 06/10/2008 - 12:11

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this is what illegal jamokes count on,you being scared.i know it is embarassing,but once you level with your co-workers a weight will lift.if they care about you,you will be amazed how they help you.


Submitted by paulmergel on Tue, 06/10/2008 - 12:15

paulmergel

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Has your experience been that these people ever just go away??
Should I call them back again?


Submitted by on Tue, 06/10/2008 - 12:20

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actually,talking to them only encourages them.they can't do a thing.get your co-workers and friens and family on the same page and watch them disappear.


Submitted by paulmergel on Tue, 06/10/2008 - 12:33

paulmergel

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they go away for a few years,then they might try a little,but not much.


Submitted by paulmergel on Tue, 06/10/2008 - 12:38

paulmergel

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that is if you keep talking to them,it will
stop quicker once you stop talking to them.


Submitted by paulmergel on Tue, 06/10/2008 - 13:28

paulmergel

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Thanks paulmergel. I truly appreciate your advice. Have you been through something like this personally??


Submitted by on Tue, 06/10/2008 - 13:59

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yes,with a pdl by the name of GFSIL.they were a nightmare,but haven't heard from them going on almost a year.same lines and BS you were hearing.


Submitted by paulmergel on Tue, 06/10/2008 - 14:02

paulmergel

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Has anyone actually dealt with these people and had them quit calling?? I am hoping now that I am not talking to them, they will just stop but they sure have been aggressive.


Submitted by on Wed, 06/11/2008 - 09:19

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Just IGNORE them. If they are illegal and overpaid, what recourse of Legal action could they posibbly take? Think about it. I have done that and no phone calls after 2 weeks of them calling. It has been 3 months now for me and not one call, except to say you are PIF and we sent your refund by mail. :D Eventually they will give up. You are not obligated to speak with them. Communicate through email or US postal, AG office, BBB and that's it! If you continue to speak with them you will stress yourself out :?


Submitted by Cool_Abyss on Wed, 06/11/2008 - 09:30

Cool_Abyss

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thank you anya,just ignore them as anya said.they will give up.you overpaid and they are illegal. nuff said.talking to them is a waste of time and effort on your part.


Submitted by paulmergel on Wed, 06/11/2008 - 10:43

paulmergel

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I know you keep telling me to ignore these people but they will not quit calling. They just called me at home again tonight. My daughter handed me the phone before she realized who it was. The guy transferred me to the restitution officer who told me I would be arrested at my place of employment and put in prison. He told me to pray a lot tonight. I told him all the things you guys say, that I had filed a complaint with the Attorney General (and I have), that I have sent a cease and desist letter but it does no good ... he just goes on and on and on. I told him again I had never had a loan with Cash Today. He told me it was not Cash Today. It was Sonic Payday. I have never had one with Sonic Payday either. He said it didn't matter, they represented 250 companies and it could be any of them. I asked AGAIN for a debt validation letter but they said they don't do this. I asked three times for their address and they said i didn't need it. I am supposed to call them tomorrow with my decision . I have been trying to ignore their calls and thought they had given up but it started up again tonight. I say all the things it says to in these posts, I have sent cease and desist letter and they just are not stopping. what is the next step? I did get a copy of my bank statement from 2006 and I see a couple of loans I know were not paid off. Should I try and call those people directly to make arrangements?? I am about to lose it here.


Submitted by on Wed, 06/11/2008 - 17:39

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This is so sad you actually believe you talked to a so called "restitution officer". It's even more upsetting you are in fear of actually being arrested at work :x Who are they fooling :evil: It probably was some guy in the back office or the next cubicle over. You are not the first one, there are many others on this forum who have been threatened with this. It is a scare tactic and they are full of BS! Ok, I see at this point you are in total fear and they seem to be in control, so in order for us to help, you MUST stop ALL COMMUNICATION with them ASAP. If they do not send you a debt validation like you requested then to bad for them. CEASE ALL communication with them, you are drivin yourself nuts, geez :? Furthermore if you know you never had a loan with these companies why are you allowing this to happen? If he is telling you random names of PDLs to get a chunk of money from you because he pulled your name from a database, HE is WRONG! This is a scam!! STAND UP for yourself and HANG UP on him! You have to be in control of this situation! This has fdcpa violations and major law suit written all over it, oh my gosh :!:


Submitted by Cool_Abyss on Wed, 06/11/2008 - 20:10

Cool_Abyss

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Sorry. I know I am freaking out over this. I guess I tried doing what you guys said by ignoring them but they just don't stop. The only reason I talked to them last night if because my daughter handed me the phone. I have now instructed both of my kids to not answer the phone if they do not know the number of the Caller ID. I am not really worried about being arrested, but I am worried about them calling my employer. I did take your advice and told the swithboard operator, Human Resources and the girl that backs me up on my phone so they are aware. I did check with the two payday loans I had during that time period and they both assure me I am okay with them. This is the final thing that confirmed to me I don't owe anyone anything from that time frame. Sorry guys. Like I have seen other people say on here, I am an honest person that pays my bills (or tries really hard to) and this has just been really upsetting. I did send the debt validation letter and cease and desist but they give you bogus addresses so I doubt they ever received them.


Submitted by on Thu, 06/12/2008 - 16:00

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it's me again.do not worry,if they were going to
do anything they would have done it already.
no legit debt collector would keep calling like
this if they had any actions to take.it saddens me
that you are reacting like this.if you end up on
the phone with habib,omar,or whoever.just laugh
and hang up.you will not be arrested,i guarantee it.


Submitted by paulmergel on Thu, 06/12/2008 - 16:07

paulmergel

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Thanks., I am going to try and take your advice and not freak out anymore. I am also not answering any numbers I don't know when they show up on the caller ID.-


Submitted by on Sat, 06/14/2008 - 12:33

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Well, I have not received a call since last Wednesday. I am hoping this is a good sign. I have checked with both of the payday loans I had at the time they are referring to and they tell me I am okay with both of them. Now I am wondering about the loans I know could still be outstanding. I have not gotten calls on them but am wondering if I should be proactive about making sure these are settled. They are all from 2-3 years ago. How do I go about doing this??


Submitted by on Mon, 06/16/2008 - 09:41

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One of the loans I had was with MTE Financial. I made payment arrangments with them last fall. I made one payment but had trouble making the second one. I called and called to make arrangements on the second payment but, like others have said on this forum, I could not get through to anyone. How can I get this resolved with them?

The other one is Worldwide Cash. Any advice on how to get in touch with them or deal with them?

I just want to make sure all of my loans are paid off now so I don't get any more of these calls ever again!


Submitted by on Mon, 06/16/2008 - 09:48

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