I was initially contacted via email on Thursday, June 25th 2015 by Xavier Wingster saying that a final notice has been issued and attached was an arrest warrant. In the email, it stated that if I wished to resolve I could call his office. The email(Hello Sir/Mam,

Hi this Xavier Winsgter affidavit officer, working with FDCPA Department, This email is notify you that there is a serious allegation pressed against your name and social security number allegation are as follow:-

Count 1:- Misappropriation of Funds
Count 2:- Non-payment on committed dues
Count 3:- Theft by deception

there is finance company (cash net usa)   is pressing charges against your name, as you had an online internet payday and never paid it back in full,
There were six EFT's (Electronic Fund Transfer) got declined and you have found evading your payment of your pending dues,

So this is final notification email, to let you know that today within couples hours the case is being file inside the court, against you and all legal proceeding will be started against your name, you will be contacted by sheriff officer at the place of employment ,and this might turn into termination from your current job,

If you wish to get resolve before anything goes wrong against you or before you face any legal consequences kindly give me a call on my office number to resolve your case.If you want to Paper work of the loan we can send you we are really running short of time so get back to us ASAP before we can take any step against you.

Thank You,
Xavier Wingster (Senior Attorney)
contact #:8134239006
Email: [email protected])

So obviously, I called to see what I could do because I didn't want legal action taken against me. He told me I had the option of going to court and fighting it or settling out of court. I opted for the later. I asked him to send me over my loan information because I didn't remember taking out a loan with Cashnet. He said all of that would be presented in court. He told me to money gram the money and gave me very specific instructions on wiring it person to person and etc. I said ok and wrote down all of the information( suppose to wire it to fabian poncel in houston tx) He told me that each time i made a payment it would be to a different person. This threw me off. I again asked him to send over my loan information so I can see what I owed. He said he would call me back in 20 mins because he had to prepare it. I decided to call cashnet usa directly to get the loan documents. The representative assured me that i have never taken out a loan with them and that that "attorney" was fraud and not a representative from their company. She said that they would never threaten to arrest me. After getting off the phone with her, he called to tell me he emailed my loan documentation. This had the logo of cashnet on it. I told him i spoke to a representative from the company. He got hostile and told me he was representing a different company. I told him i was reporting him.  He is a fraud!