I went online and was looking for a possible parday loan in late 2013. I never accepted any loan from them but they deposited $300 into my account. I finally had to close my account and I sent them a money order in the amount of $300 to pay them back. Here it is 9 Months later I am being contacted by an attorney named George Semansky of oracle financial, who is saying that they have no record of receiving my money and are filing charges against me for fraud that I wrote a check and closed the account. He said if I did not pay him that he will be filing fraud charges against me. The number is 716 242-5285
I received a call from this number on 10-15-15. He actually called my daughter first who just got into her fathers icu room after surgery. He told my daughter that I had written a bad check with a payday loan for $500.00 and that he was with the District Attorneys Office and that if I didnt pay it within 15 minutes I was going to have a warrant for my arrest. He also told my daughter that since I was watching her son that they would put him in child protective services You can only imagine how distraught my daughter was. She called me and told me to call him right away. This guy claims his name is Anthony James. He told me I had missed court that day and I was going to be arrested within the hour. I told him I had never been notified of any court date and he just told me that is why he was calling because he was giving me a chance to pay before the warrant was issued. He finally said he would give me till next morning at 9;00am. So I did my homework . Nothing made sense. I called the court house and they stated I never had any court date.I spent all night not knowing if my daughters father was going to die from surgery and also petrified that somebody might knock on the door and arrest me. I am bound and determined to catch this person. I cannot believe that somebody could be that cruel.
Criminals have no conscience. All they want is easy money, and they hope top scare people into paying them an extortion fee.
This is a common ploy by criminals attempting to extort money from people by scaring you into believing that you will be criminally charged, go to jail, lose your driver’s license, have wages garnished, be sued, and a variety of other variations on this, all for an alleged or nonexistent debt. One of the tricks they use is to call your work place repeatedly in an attempt to shame you into paying. They also use the “process server” who calls and claims he is going to serve you, but then says you could avoid it by calling another number.
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Said I was going to go to court if I didn't pay a certain amount within 24 hrs. I could pass on court and pay the amount or pay three times the amount by going to court with a jury. Possibly lose my license for years.
This guy, Anthony James, keeps calling. He leaves messages. I think he tried to call my parent's home. I called him back and received voicemail. I asked exactly who he works for and exactly what he was referring to. He left me a message stating his name several times, his phone number several times and that I had to close of business to get in touch with him. He never said what company he worked for or who is "client" was. Supposedly, I bounced a check, which is untrue. In business, if people want you to call them back, they leave information about the company they work for. They also have additional people in the office that can pick up a phone when they are not available. Has anyone else had a legitimate call from this guy? (Last year I had the "IRS" call and say that I would be arrested if I didn't pay taxes over the phone by the end of the day. This feels like the same scare tactics.)