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USA Cash Advance Robert Brown Phising vishing scam threatened criminal legal action for loan I never took out! Had my bank info, social security numb

23rd of Jun, 2011 by User566133

I was traveling to my vacation destination yesterday when I got a phone call that concerned me greatly. A woman with a strong indian accent asked to speak with me and asked if the last four digits of my social security number were correct. She then transferred me to a man with a strong indian accent who claimed to be named "Robert Davis." He refused to tell me the purpose of the call or to identify his company until he had given me his phone number, which was 888-708-7701. After I had taken down the information, he explained that he represented USA Cash Advance and that the company was going to file three criminal complaints against me involving bank fraud and wire fraud for having taken out a payday which I had failed to repay via EFT from my checking account. He knew my full account number and the name of my bank. He said that after the call, their attorney would be filing these charges via my local authorities and that by 10am the next morning, I should be expecting to be served with a warrant for my arrest. He said that this action was being taken against me because the company had attempted to charge the 2700 or so dollars that he said that I owed against my checking account, but that the funds had not been available. His rhetoric was heavy with the idea that I had done something wrong and illegal, and that I was in serious trouble. He threatened that because of the heinous nature of my fraud, they would also be contacting my employer to make them aware of this situation, which could cause me to lose my job. (He did not indicate that he knew anything about my employer.) He said that he needed the name and address of my attorney so that some documents could be sent there. He couldn't share with me which subsidiary of "USA Cash Advance" I had supposedly taken this loan from, or when the loan had originated, or how much the original amount was supposed to have been for. He said that all of that information would be released only to my attorney since I had failed to respond to the company's previous attempts to reach me directly. Of course, if I were willing to admit that I had done something wrong and demonstrate willingness to correct the situation, there might be a way that we could resolve this without involving the authorities... Of course he doesn't want the authorities involved. I never took out any such loans. I watch my credit report carefully, so I know that no one else has used my identity to take out any kind of loan like this. And I know about debt collection laws and that if he were a real debt collector making the kinds of blackmailing threats that he had, that I would be able to have his company fined several times what he claimed that I owe. I ended the call without giving any new information to him and promptly contacted my bank and the authorities. What he wanted was an admission that I owed the debt. If he could convince me that I had taken a loan that I had failed to pay back or that someone else had done so in my name, then he could make it seem easier and better to pay a smaller sum to settle the claim and avoid the terrible consequences he threatened. Once I agreed to a settlement, even if I hadn't owed the company in the first place, they could debit my account without committing wire fraud themselves.

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