California Cash Advance Payday Loans
Complaint 140043 Details

I was trying to get an installment loan so I called a co. in California. they offered me a pay day advance, but I told them I was interested in an installment loan. she said that they didn't offer those, so I hung up. The next day or so, I got a call asking if I would like to get a 2000.00 installment loan, to be paid back @ 150.00 for 15 months. I thought that this was the company that I had asked previously for an installment loan, & that they were calling me back, offering an installment loan, which I had told them that I was interested in the day before, when I had called them. So He asked me for my personal information, which I gave Him, thinking that this was the same company I had talked with before. When He finished taking my info down then He told me that He would need 150.00 up front. I asked Him why, & He said so that they would know that I was sincere about the loan, but that I would get it back along with the 2000.00 that they were going to deposit into my bank account. I told Him that I didn't have that money, that's why I was applying for the Loan. So He gave me a # for my file info; & said that I could c/b when I got the 150.00, and everything would be ready to go forward. So on thursday I got a text message that my bank acct. only had 1.42 in it. So I went online to my bank account & saw that a check for 30.00 had went through from Pacific advances. So I immediately called the fraud dept. and reported it, & they put my money back in. Then I happened to see this website, ("ironically, too late"); which gave the FTC website to report scams, so I made a report, but lost it before I finished typing it in; so I called the 800 # to talk w/ a live agent. She asked me; why I hadn't called the company, so after talking w/ Her, I decided to call them, their # was on the cheque that was presented to my bank electronically, so I called that phone #. I talked to a lady that said that the 30.00 was their fee for connecting me to a payday advance co. that was offering me a financial deal. I told Her, that I never even spoke to her company, so she said that I was sent an email from them; to which I went right to my email acct,found the email & opened it up, & read that, "they never charged any kind of fee for matching a person w/ a payday advance co." she never answered me when I told Her what it said. She was hard to understand, (Her broken English);so I never could communicate very well w/ her. So then she left, & she came back & said, "that She would cancel my membership?" To which I replied "what Membership?" She never answered that question either, so I just left it at that, & said GoodBye. Then the next day, I started getting calls from, 760-483-3761. everytime I would answer, nobody talked; so I would hang up. Finally after calling this # several times, they finally answered, again in very broken English, & said; in essence, "Beware this is an Attorney contacting You; & if You don't let us take the cash advance you made w/ our company, out of your bank account, then "it will be very bad for you". He said that they would; "Again, I couldn't make out what he was saying to me; but it was definitely very intimidating, & threatening." I guess they were mad because my bank put the money back in, & maybe had the fraud dept. contact them, I don't know, but this has really upset me, & I feel very violated by this company & their actions. I just hope the proper authorities, will be on the lookout for them, in their unscrupulous business dealings. I hope that this helps others before they take advantage of them. The phone # On the false check submitted to my Bank for 30.00, had the phone # for pacific advances, that phone # is 866-763-7462. I am also concerned that because they have my info that they might try something else, so I have called my credit monitoring co. & told them about it also, so they are aware of the situation, & are going to email me immediately, if anything occurs on any of my credit reports.