US National Bank Scam- Wanna get em?!!!!!!!!

I've been targeted.

Excellent post Shazzers :D

Well --- I have been being hounded with phone calls from these guys for the last 2 weeks!

If you will join and send me a PM, I can give you the email address of a Journalist who wrote a story about this scam, or you can look it up yourself, it appeared in the January issue of Readers Digest.

I PMed you, I hate those scumbags

I did too but this was bumped from October 08. The article apparently already appeared in Readers Digest.

Shazzers, did you ever get a copy? Can you post?

GREAT INFORMATION SHAZZERS. 8) :lol:

No sorry, I actually didn't get a copy of it but you can go to "The Consumerist" online, and type U S National Bank scam into the search box and locate the original article that prompted this investigation.

yea i got a call from these people today, but they are caling from national affidavit processing department saying i owe a payday loan from last year that i took out from TJS marketing, then they said it was from TJS corporation...funny...i got a call like this in janurary of this year bout a loan from TJfinancial...TJ stands for TEXAS JOINT! can anyone find any information on texas joint financial or texas joint corporation? i can't these mofos have an indian accent and have what call "white names" such as james wilson, ashton o'brian, pure b.s. so if anyone has anything, let me know please! when i got the call from them back in jan, they were under the name of united legal team investigations or some bs

They have called me and my friends several times in regards to a loan that i never took out!!! I have every voicemail that was ever left on my phone. They threatened me and my family

File a complaint with the FTC, the FCC, and your State Attorney General. Send them a Cease & Desist letter. If they keep bothering you, sue them.

please whoever can put these people into the dirt .... do so. They have been calling me at my job, my cell, my friends and even threatening them. they told me i could go to jail and even told my frineds they could go to jail as well for knowing me. i almost paid the sob's unitl i googled the number because, quite frankly neil thomas and brian smith didnt speak very good english. Someone get them please.

The only ones who can "get them" are the people they have wronged - i.e. *you*.

I had no idea that this scam was so "popular" and yes, they have been harrassing me over the past two weeks (as well as my family)- And though I recognized this as being a scam immediately, I will do what is necessary to be done to bring them DOWN! Please keep me posted.

I got my first phone call from them today. It was for my mom. The woman who called had an African accent and said my mom needed to call her right away. She claim my mom's ssn and name were under state investigation. She said if my mom did not call her back, she did not know what would happen to her. I am waiting for them to start calling for me next or start calling our family members and employers. Anyway, I called them back, just to see who they were and was told they are the legal dept for something. I could barely understand the man's African accent. There are other websites similar to this one who also have post. I found them on a phone reverse lookup site. I found out that the number she called me from was a cell phone, but the number she left for my mom to call her back on was a landline in Tampa FL, but the numbers have been from all over and the people have had various accents from what I've read. People on the other websites state that these people tell them that they are in default with a online payday loan that most say they never had. I and my mother both had online loans with B.I.G.-Ltd. Who are scammers too. I can't help but think their somehow behind this. Keep me posted. I want all the info I can get. People were commenting that it's crazy how much information these jerks have on the people they call.

I recieved threatening phone calls at work and home at least 20 to 30 times a day. The man with they strange accent (Steve Carter) was told by myself and my boss to stop calling. They would call during business hours over and over when a customer was being waited on in the store. If the phone was not answered because we were busy they would keep calling. They even harrassed my kids at home. Calling over and over. We had to disconnect all the phones in the house.
I asked for a copy of the debt to be sent to me and they refused. They would not take any info but a credit card. You couldn't pay it by mail They wouldnt give me an address.

File a complaint with your state Attorney General, the FTC, and the FCC. Perhaps you can also have their number blocked by the phone company for harassment.

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Yep, its purpose is to annoy or harass. Section 806(5) of the FDCPA:
"Section 806(5) prohibits contacting the consumer by telephone 'repeatedly or continuously with intent to annoy, abuse, or harass' any person at the called number.
"1. Multiple phone calls. 'Continuously' means making a series of telephone calls, one right after the other. 'Repeatedly' means calling with excessive frequency under the circumstances."

Thanks, I hope guest files a complaint using this :wink:

I'm wondering if this is the same woman who has left me messages for the past 2 days. Her "name" was jennifer james and she couldn't pronounce my easy last name correctly but said the same thing about calling back or she didn't know what would happen. I too reversed look up and got the same thing Tampa FL. When I returned the call I got a very rude man named Mike and he said I too was being sued for not paying back a payday loan...which I did have one 2 yrs. ago that was paid in full. When I told him I needed more information he got bent out of shape and kept saying what do you need to know, what don't you understand. I called back 5 times and finally the guy told me I needed to call this 800 number which was to "cash advance" Ah, hah, same guy I talked to earlier on the original phone number from National affidavit consolidation services. Supposedly as of 4:00 pm tomorrow I will be sued if I don't have my attorney call them to settle out of court or have my attorney contact them. I'm going to my state reprs. office tomorrow to see if there is anythying he can do. I'd like to sue them for harassment. This Mike guy got real nasty with me and told me to quit calling him and just pay the loan. He tried to transfer me back to the original number (which when you are put on hold is annoying music) and I basically said "you SOB, don't you dare transfer me or hang up until you let me know what's going on" He hung up on me.

Got another phone call yesterday and today. Today my husband kept them on the phone for 40 mins. Told the caller not too many nice things. I've been threatened with them calling my employer and having my wages garnished and then told my husband today that his next job was to get me fired. My husband finally said he'd pay the bill where does he send the money and they told him they needed my card number. It is being reported to the FCC, FTC, state attorney general, state representative and my local police. Can anyone tell me if they ever quit calling or what it takes to get them to quit?

Please do not give in to them, the best way to handle them is NOT to talk to them at all, hang up as soon as you know it is them calling without saying a word, they can't argue with thin air. They will probably continue to call but not communicating is your best defense.

I got the same call today. I was told that I was being sued and they would file papers with my local court in "North Caroleena." I thought it was odd he couldn't even pronounce the name of my state. When I talked to "Mike", I told him that if he called again, I would report them to the FCC and local authorities. I paid for a reverse phone look-up and the only thing I got was a private name in Tampa, FL. I searched the BBB and Florida Secretary of State site and didn't find anything about them. DO NOT GIVE THEM ANY INFORMATION. If you have to close your account and reopen it under another number. They have the last four of your social and your address and the name of your bank. It's part of the risk of applying for online payday loans. I didn't even get a payday loan, I just applied for one and they are calling me.

Call them constantly and harass them like they harassed you. It's kinda fun and gives them a taste of their own medicine. Make sure you block the number you're calling from. Call 813-283-0611 and tell them you know they are a scam and you have reported them to the FTC and your state attorney general. You can throw in that they are annoying and you are just returning the favor.

add me to the hit list, scumbags, they need stopped!!! called me at work, called people I know, called my HR dept!! even kept calling work after I told them NOT to call my work! I talked to them once, not knowing who they were then I GOOGLED them and know all the info now except how to stop it! Michael Adkins calls me then wants to put me on with a case officer.....I am FED up already. this is harrassment. on a loan they SAY I got over a year ago and never paid. I told them I wanted written documentation about it and she REFUSED. then I wanted PROOF I owed it and she said she wasnt there to prove it, if i pay it, then i wont owe it anymore. ha! HELP!

i searched the bbb under many busnisses and found their address and that they were not accreditited. strange he told me that it was a "federally recorded" line and that i would be sued but they are not even accredited by the bbb. but i do have an address and you can google map it. 12737 North 56st
Tampa, FL 33617 in the oak knoll town homes. this is for sure a scam now you can use this information to get them back. soon enough when they know we know who they are they will disapear

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The same way you would report any scam - with all the info you have. But, as with any pestering scam, you may have to change your phone number, unfortunately.

I received a call from a Raymond 6 times today within 1 hour. Left me messages stating I needed to call them back or I would be arrested. When I finally called back all they said was YES...I told the gentleman I was returning a message from a Raymond. He said hold and then trans. me to a Dave Jones. He started going on and on about having me arrested and taking me to court if I dont pay this back payday loan from Cash Network. (by the way I have NEVER had a payday loan with a Cash Network) I asked for an address of the company he works for and he hung up on me. I called back and the person who answered the phone this time told me his name was Jack Wilson and started talking to me like I was never hung up on. He already knew who I was. He went on and on about owing a back payday loan and I kept asking for an address of his company ACS- Affidative Consolidation Services. He told me they dont have one. I told him every company has an address he got irate and stated cursing and yelling telling me to do some very vulgar things to certain parts of his body..and then hung up. I called back again asking for an address and was told they are working off a boat in the Atlantic Ocean, they dont have an address and then hung up on me. I called back again asking for an address, Jack Wilson again started yelling and cursing at me, telling me to suck his D---. and I was cheap only charging $5 for MY services. then he hung up I called back again asking once again for the address of the company that is going to arrest me take me to court and charge me for a unpaid payday loan that I never took out. He again started cursing. told me would sue Me for harrasement has my calls recorded. I asked him to never call my cell phone, work number or home number again. he said they would call hundreds of times until i burn in hell. Now what kind of company works like this?

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I received a call from this company yesterday telling me that I needed to contact them right away becuase legal action was being taken against me for borowing a payday advance loan. I have never borrowed a cash advance, I did however apply for one in May of this year but I cancelled it becasue I realized they suck.

I called the number that was left on the voicemail back and spoke with an Andy Clark. Andy proceeded to tell me that legal action was being taken against me for nonpayment of this loan. I explained to him that I never took out a loan and that this was bullshit and to send me the legal notice so I could take it to my attorney. He got pissed and said he cannot do that but he will submit my case to the company to proceed with the legal action. I said fine and hung up.

After I cooled down I decided to call back. I called back and asked to speak with a supervisor. The man that answered claimed he was the supervisor and his name was Richard Miller. These men have the thickest Middle Eastern accents I have ever heard and I told the guy that I was positive that wasn't his name. I proceeded to ask him the 3 actions that are being taken against me; the date of the application, the date the money was deposited into my account and a copy of the application. He started with....Well I can do that but first let me tell you.... I am not here to argue I am just here to help you settle this out of court. He said this matter could be settled today if I pay 325.80 to him. I told him absoultely not. I would not pay for something that I never borrowed. I then asked my questions again. He then told me "we will get to that but first let me tell you.... if this matter is taken to court then I would have to pay the legal fees and the attorney fees and all the other fees that will accrue in the process. I said bring it on. I am prepared to fight for this. I asked a third time for my questions to be answered.

He told me the 3 actions being taken against me are: Intentional misappropration of funds. Nonpayment of committed dues and loan installments. Acceptance of 3rd party finance of loan payment. He said that I intentionally added a refrence on the loan application with the intent of not paying so that the refrence would have to. The refrence he named was my husband. Why would I borrow money and not pay it back so that my husband would have too? What the hell!?!?!

He then told me the date of the application was 5/19/2009. I asked when the money was deposited into my account and he said.... Well it would have been 20 days later. I said I dont want a would have been, I want an exact answer. He put me on hold and came back to tell me it was 6/5/2009 and named the bank in which the money was deposited. The account that was named was an account that was in my name but has since been closed. I told the man that the account was no longer opened so if money was deposited that it would have been returned to the company. I also asked for a copy of the application that I signed. He told me that I could not have a copy. That the terms of the loan when I signed said that the company was not liable to supply me with a copy of my loan agreement. I said to him.... don't you think this is a little shady? He then told me how credible they were. He went on to ask me if I could hear the other consultants in the back talking to people just like me. He also said that the FBI had called and the attorney general but they couldnt do anything for people like me. That I just had to pay to get this resolved.

I then asked him the address, name and phone number of the company that is taking legal action against me. He told me that legally he was not able to give me that information. I told him yes he was because I was going to sue them (i wasnt really but I wanted the info.) I tried to pry this out of him and he then told me that the headquarters are in Washington DC and that he was in New York City. I asked for a number and a website for Advance Cash USA. He said that they have more then 40,000 web portals and they are all under different names such as Advance America, Payday Cash, Advance Cash Now and so on. He said he could check my credit and see that I have never been late on payment or had any trouble with my credit so that if I just resolved the issue today my credit score wouldnt be affected. I said hell no!

He then asked me if I have hired an attorny? I said seriously? We have been on the phone for the past 30 minutes, when the **** do you think I had time to hire an attorney? He then asked for my attorney's bar number, tax id number and contact information. I told the man that I DID NOT HIRE an lawyer that I am representing myself. He said "you cant do that!" I said oh yes I can..... he was like no you cant. I said yes I can so send me the legal notice and have your attorney's call me. HE gave me my case file number and told me they would mail me the notice.

Then at 5:30 that day I received another call from the same number. So instead of calling the number that they left on my voice mail I called the number on the caller id. The number went to a women living in flordia that had received over 200 calls from people that have been contacted by ACS. She apologized to me and I did the same to her.

They called again about 2 hours later and I answered. The man asked for me and I said speaking.....he started to say that he was from ACS's legal department I said that they were taking legal action against me. I said bullshit I know you are a scam. I know this is crap and that I was going to call the police next time they call. The man said.... WHAT?!?! In a really snotty voice, and said no this is so and so from ACS... I said eff off and hung up.

They havent called back.

I put an alert on my credit and also reported them to the Federal Trade Commission.


Profanity deleted. - Uncle Wulf

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They started contacting me this past friday. I have a small payday loan with a legit company. When they contacted me the first time, I thought it was for that payday loan. He told me that I had three charges against me and I needed to pay him 100.00 before 4pm that day or he was going to file charges and I was going to jail. Thinking that this for was for the legit payday loan that I do have, I gave him my bank information and he took that 100.00 out of my account. He also said in an indian voice that I had to pay him 500.00 before the next friday. Well, he called my job once again and said he wanted to take the next payment out of my account, so I told him ok. He called me back a few min. later and said it was declined from the bank. So, I looked on my online account while he was still on the phone and seen that my payday loan company had taken thier usual payment out of my account. That got me to asking questions where this payday loan was from, and he said U.S. National Bank. I had never heard of it. So, I called my father for advice, and he said it had to be a scam. I googled that bank and it does not exist. So, I called my payday loan company and they said that I was in good standing with my loan and that is not the way they collect. They do not use attorney's to collect on thier payday loans. She told me to contact my local police dept. My father called his friend, the captain of the police force, and he said he was going to investigate it. When they call me it says unknown name unknown number, but he did leave me a number to contact him, so I gave that to the police. Meanwhile, my father called the guy up and cussed him out and told him to put the money back in my account. My father asked where he was calling from and he said FL. Anyways, I went to the bank and filed a fraudulant charge on my account and they are investigating it too. Thank goodness they put the money I had already paid them back into my account. Times are too hard right now to be getting scammed by these low life people! Oh, by the way he told my father he would see me in court, and they were going to sue me for 1200.00. WTF is that all about?

They call me - asking for my husband. hey have my cell and office numbers. They say they are National Affadavit Processing. They give and Anglo name each time but have very heavy Indian accents. I have called back and enjoyed messing with them right back - asking where they learned to speak English, where they calling from, who their supervisor is, for their mailing address etc - they hang up. I have reported them to the FTC. A cease and desist order will not work inthis case and sueing is probably a waste of time since they are not in the USA.

I started receiving calls from National Affadavit Processing, at least I think that's what Dennis said. I had to keep asking because I couldn't understand half of what he was saying. I did understand that he said they were going to see me in court unless I wanted to settle and did I have an attorney. At first I was worried because I did have a payday loan which had been paid. When I asked for copies of the debt I was told it was illegal for him to give me anything. I appreciate everyone's comments and agreeing that this is a scam. My only concern is that he had all my personal information. Does anyone know how to put an alert on my credit or should I contact LifeLock or some kind of company like that. I for sure will report them.

I fell for them once and they debited my account for $750 and cleared me. Then I get another call a couple months later saying I owed the same amount and that information I needed such as date and time of loan application was no longer available and with higher authority. They said either I pay $750 or $4000 for not responding. They threatened jail time and a sheriff picking me up at home. Also they mentioned that my ss# was under investigation for fraud. I want to get to the bottom of this, I am being harassed at work all day long and at home. Is there a number to call to report these people? They call with a very very heavy Indian accent and I can barely understand what they are saying. They are hot tempered and can't provide me any information on the so-called account they say I have with them!! Please lets bring them down soon!

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I received a voicemail message today(4/13/2010) from a weird number [050-782]. On the voicemail it gave me a call back telephone number [347-289-3115] which I looked up. This is a landline number from Brooklyn, NY. I called this number back and the gentleman would not give me his name. He stated he needed my social security number and name. I refused. I asked him... What is the name of this company? He replied ACS. I asked him what does ACS stand for? He replied... Affidavit Consolidation Services. At that time I told him that I would call back. Upon hanging up the phone, I immediately googled the company. Multiple options showed up... from all over the country...

***NEVER EVER EVER GIVE YOUR SOCIAL SECURITY NUMBER OUT TO ANYONE AT ALL!!***

When I called this company they tried to scare me into believing I owed money for something, or that I was in great danger pending some type of fraud. Well THIS IS A SCAM. iF YOU RECEIVE A STRANGE CALL FROM A FOREIGNER THAT YOU ARE NOT FAMILIAR WITH... DO NOT FALL FOR IT. KNOW YOUR BUSINESS, AND BE CAREFUL.

hi i got the indian sounding guy "mathew" calling me and now sueing me cause i pissed him off by saying that this is a scam and i need this info in writeing. It started out with this guy having the wrong info the first time then he magical found all the right info, even down to my routing #. afterwards i told him that i needed to see this in writeing please send it to me. His reply is that i only have till 4pm to solve this issue or i'll be sued, so i asked him to e-mail it to me, "I can't do that" was his reply. He says in the begining that he will electronical file the papers to the court house, which i pointed out to him, and yet again he says he can't email them, wth?? Anyway he then told me that i have no choice the "lawers" told him to sue me. He hung up. is there anyway to stop this person and please tell me this IS A SCAM. I really can't afford to travel to Cal. for court.

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I've been recently getting the same calls from this particular service. It's always Officer David Morgan or someone with a name like "Steve". They ALWAYS have an strong Indian accent which threw me the first time I got the voicemail. I am mostly worried because they seem to have most personal info. He said,"This is David calling from the National Affidavit Services. There has been a complaint against your name,address and SSN. We need you to call us back immediately to resolve this matter". He was suppose to email me some info which I haven't gotten but he wanted my debit card number to debit my account. Any help with this would be greatly appreciated!

I am geting calls from them like every hour - at work and home. Each time a different number and name - sometimes officer, sometimes not... say I owe money from a different place each time - I tell them I will see them in court - they call back in an hour- I tell tham I know this is a scam and then they threaten me - now the Cyber Crime Cops will be at my office in an hour to arrest me... make it STOP already!! My work receptionist is being harassed too!!They claimed to be an atty with Carl Smith Ball in LA - I called the REAL atty and he is def not Indian and he knew about this scam. They have said they are OCS?? I want them to go aaway!

These people are calling me at work, scarring me to death, telling me that I owe them money... I don't owe them nothing . they have called me a liar, amongst other names, they have the last 4 of my ss#, my bank acct# and my address have threatned me with having me arrested, going to my employer... when I have asked them to provide me with proof they say they cant because they are legal documents... I have contacted the company that they state they represent, the ftc, and my attorney... This has got to stop!!!!!!! they are calling me from a number in Ft.Worth Texas... I don't know what to do!!!!!

:confused:HOW IN THE H___ is this person and persons able to keep doing this, especially with calling my children that are under 18. With false names and same voice..... About time WE SEE the United States Attorney General confront and ARREST these criminals--(Capture & BUILD A CASE)---India and or anywhere else, since they are calling in the U.S.A.
Willing to help in any way, as well as testify!!! I am sure you will not have a problem finding other innocent VICTIMS that are just as willing to get these schemers.

got this call today from 'david levine'. he started telling me that they were going to be filing a lawsuit against my name and social security number because i owed some 'capital' something company some money and I had committed Internet fraud. i told him he could call my lawyer, and he started yelling stuff. so indian-pakistani accented that i couldn't understand. then he told me they would send a copy to my employer too. i told him to go ahead and i would have my attorney contact them when i got the subpoena. he humg up. but he was pretty violent.

These jerks deserve what they get....I have been pranking them and conferencing them together then they start speaking (I think Arabic) and getting pissed off...it is hilarious...I also called them and told them I was Leona Helmsley...they couldn't find my info but I asked them if it was about a loan...immediately they said I owe them 750.00...I told them I would be right on that.....HILARIOUS!!!!!!!! Have fun with these guys...

For the past three days I, friend and work have been threat for a man who calls himself Officer Mark Williams and company legal Affadavitt processing miami fl. I asked mr williams for badge number and refuse to give it to me, he finally gave me badge number and informed them i would call that depart before i spoke to them, he got so mad that he threaten me gave and hung up on again. i want people to know what i have went through because it stressed me out and i want them arrested. what scary they had ssn and dr id too. I hope i could help other people too,

Look this has happened to me and my mom they threatened us with felony charges if we didn't pay the fines for money fraud and money laundering. same companies different phone and fax numbers im willing to give u anything that will help cause they got our money! they had all our info, bank account#'s, ssn's, address, phone numbers, even the police station where we lived. it happened to my mom in jan, and me this week ive contacted the police here the FBI and other government officials they are heavy Middle Eastern accents. they posed as the cops, and they gave us a new number to a prosecuting attorney which was also a Middle Eastern accent. They called from California and took my money out of my account in Georgia that was when I got suspicious why would a fine that I pay in Cali get took out in Georgia.