Anderson Law Firm
Complaint 25739 Details

At about 8:10 AM on Oct. 3 I received a telephone call from an individual identifying himself as Richard Johnson, Esquire, of the Anderson Law Firm. He purported that I had received a payday loan from his client, Cash Advances America, in the amount of $300.00. According to Johnson I had receives the loan without intentions of repaying and that I was now going to be sued for more than $3,000.00 and could be imprisoned for more than 6 months if I didn’t immediately repay this supposed loan. Johnson cited I7862-1140 as the Case ID for this action.

This was all very confusing as I have no record of any loan from the Cash Advance America at any time. Compounding the matter was the earliness of the hour; the fact that I have severe insomnia and was groggy from the sleep med (Trazadone) and pain med (Morphine IR) taken; and, an innate knowledge that this was not a valid charge.

Johnson proposed that I could settle “out of court” for $410.00.

At this point and in following calls with Johnson I pressed for hard documentation of the purported loan as Johnson had provided only verbal, over the phone, substantiation of the loans validity and any efforts whatsoever on the part of the Creditor or any collection agency prior to this to recover the alleged debt. Johnson implied that his client had tried numerous times via e-mail to contact me and that I had probably just ignored the e-mails as Spam.

Again, not being totally lucid due to my meds, I couldn’t develop an alternate course and provided Johnson the information to allow the charge stipulating that I needed to be sent hard evidence of the loan and collection efforts, i.e.; the date, amount, financial institution, account number and Electronic Funds Transfer (EFT) transaction number of the loan proceeds; copies of all types collection attempts; and, copies of primary loan documents (to include those bearing my e-signature). Johnson would not comply with my requests and I put him “on notice” of my intent to stop payment on the transaction. It was only later that I learned that stop payment was not an option and disputation would be the necessary action.

Throughout the afternoon I contacted Johnson at least 4 times as the Merchant and convince him to rescind the charge. During 3 attempts he was in meetings so I recalled at the times he would supposedly be available again. During my final 4 attempts I reached a recording that line I had just been using was “disconnected or no longer in service”.

Unable to obtain anything in the way of documentation of the alleged loan from Anderson Law Firm I searched ways to contact the supposed Creditor, Cash Advance America, to obtain documentation from them along with verification the Anderson Law did in fact represent them in this matter. E-mails sent on Oct. 3 and Oct. 6, 2011 to [email protected] via their website remain unanswered.

I received the following e-mail from Anderson USA ([email protected]) on Oct. 6:

Dear MARK L. WELLS


This email is to notify you that your payment card has been successfully charged as follows:

Customer Information
-------------------------
Name: MARK L. WELLS

Phone: (Personal Information Removed)
Address: (Personal Information Removed)
Email: (Personal Information Removed)


Transaction Information
-------------------------
Type: Auth/Capture
Date: 2011-10-03
Transaction no: 3879769422

Amount: 410
Status: SUCCESS



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