Cash Advance America - Advance Fee Scam



Date Posted: 
Monday, November 28, 2016

Updated: November 28, 2016
Originally posted: October 26, 2012

Also Doing Business As:

  • Advance America
  • Advance America Payday Loans
  • Cash America
  • Cash Advance America
  • Speedy Cash

Note: "Advance America" Should Not Be Confused With Advance America Cash Advance Centers Of Washington, LLC Which Is A Licensed Lender In Washington

The Washington State Department of Financial Institutions (DFI) warns consumers to never give any nonpublic person information, such as social security number, credit card, or bank account information to any individual, website, or company without first verifying their identity and license status. Consumers can determine whether a financial services company or individual is properly licensed to conduct business in the State of Washington by using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov. Consumers can also check license status with the Department of Licensing at www.dol.wa.gov.

DFI has received reports of apparent scams conducted by individuals claiming to represent Advance America, Cash America, Cash Advance America, Speedy Cash, and Advance America Payday Loans.

Numerous consumers received phone calls and/or email messages from people claiming to represent Cash Advance America, Cash America, and Advance America Payday Loans where the callers offered loans in exchange for upfront fees. Although several consumers never applied for a payday loan, the callers insisted that they were calling to discuss the consumers’ online payday loan applications. One consumer reported that, when she refused to wire money to the caller, the caller threatened legal action against her. Several other consumers paid the upfront fee but did not receive the loan promised. At least one consumer also received a similar loan offer via e-mail.

Several consumers were contacted by people claiming that they were collecting a debt owed to Cash Advance America, Advance America, or Speedy Cash. One consumer reported receiving multiple harassing phone calls. The caller claimed that the consumer owed a debt for a 2007 payday loan but refused to provide any other details about the debt. The consumer reported that he did not take out any payday loans in 2007. In another case, a consumer received a text message demanding payment. That consumer reported that he never had a loan.

In one case, a consumer received an email that claimed the “Semrad Law Firm” would be handling the collection if the consumer did not pay a settlement. The email stated that it was from “Kristen Johnson” in the “Accounting Department.”

These apparent scams are associated with the following contact information:

206*855*3292
206*973*2544
210*272*9230
254*212*1137
312*878*9045
315*625*1913
321*576*1077
360*362*5979
503*379*5787
585*200*5788
585*633*7621
646*455*2995
707*533*1466
716*240*0028
773*796*9886
785*505*1459
818*570*6222
214*785*4457
206*905*1590
347*349*9535
210*888*8558

[advanceamericacashadvancein@gmail.com]
[adam.smith@unitedcashadvance.in]
[americacashadv@gmail.com]
[cashadvanceamericas@rocketmail.com]
[mike@legislator.com]
[robertclark2717@gmail.com]
[cashadvanceinc1@aol.com]
[instantcashadvance8090gmail.com]
[getadvanceamerica@gmail.com]

DFI cautions that unlicensed entities often engage in certain practices that indicate they are committing a fraud or otherwise violating Washington State law. For instance, such entities often use non-business email addresses (such as @gmail.com, @yahoo.com, or other similar easily obtained email addresses) to send correspondence, threaten legal or criminal action if consumers do not reply immediately, or contain a variety of typographical and spelling errors in their correspondence to consumers.

However, at times, e-mails or letters from unlicensed entities engaging in fraudulent activity will contain accurate personal information, such as current or past addresses, active phone numbers, or social security numbers. The Department encourages consumers who receive communications containing personal information to contact their banks, credit reporting agencies, and the Social Security Administration to ensure there is no unauthorized activity on their accounts.

Debt Collection Laws

If you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect from you, the collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA). If you receive a communication from a party claiming that a debt is owed, you should request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA. If you have questions regarding debt collection laws, contact the Federal Trade Commission at 1-877-FTC-HELP, or online at www.ftc.gov.

If someone threatens to garnish your wages, contact your employer, or uses threatening, intimidating, or offensive language, report such actions to state and federal regulators. See below for how to contact the appropriate state and federal regulator.

Report Suspicious Activity, Scams or Fraud

Washington State residents only: If you suspect illegal or fraudulent activity involving a financial product or service, please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov; or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372) or online at www.consumerfinance.gov. You may also wish to contact the Office of the Attorney general at www.atg.wa.gov.

If you feel you have been the victim of a scam involving the internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

If you live in another state, go to this webpage to find the regulator in your home state. http://mortgage.nationwidelicensingsystem.org/consumer/Pages/AgencyContacts.aspx