The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI received a report indicating a representative claiming to be from “First Recovery” called a consumer and informed her that she needed to pay an outstanding debt to avoid legal action. The consumer asked the representative for more information regarding the debt, but the representative refused to cooperate. The consumer reported never having obtained a payday loan.

The following contact information was reported by the consumer:

Representative: “Mark Wilson”
Phone number: 1*844*243*2207

Those perpetrating this scam are not licensed by DFI, nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Payday Loan Debt Collection Laws

Collection activities by third party debt collectors are subject to the federal Fair Debt Collection Practices Act (FDCPA). If you are contacted by a party attempting to collect a debt that you don’t think you owe, you should request that the party provide you with a written validation notice, which must include the amount of the debt, the name of the creditor you owe, and the rights that you have under the FDCPA. If you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP or online at www.ftc.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender 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. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

Updated: July 8, 2016
Originally posted: October 26, 2012

Also Doing Business As:

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

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 verify the license of any lender they are considering doing business with. You can verify a license by calling the DFI at 1-877-RING DFI (746-4334) or online at www.dfi.wa.gov.

The Department has received reports of apparent scams conducted by people claiming to represent Advance America, Cash America, Cash Advance America, and Advance America Payday Loans.

Numerous consumers received phone calls 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.

Additionally, several consumers were contacted by people claiming that they were collecting a debt owed to Cash Advance America. One consumer reported receiving multiple harassing phone calls. The caller claimed that the consumer owed debt for a 2007 payday loan but refused to provide any other details about the debt. The consumer reports 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 has never had loan.

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
347*773*4606
509*588*7207
254*739*9182
940*294*7074
845*445*6913
714*927*3951
612*294*7122
682*808*4613
214*736*3554
903*284*2640

advanceamericacashadvancein@gmail(.)com
adam.smith@unitedcashadvance(.)in
americacashadv@gmail(.)com
cashadvanceamericas@rocketmail(.)com
mike@legislator(.)com
robertclark2717@gmail(.)com

The Department 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.

In all circumstances, the Department also strongly suggests verifying the business licensee of entity that is requesting personal or financial information, or attempting to collect funds.

Verify License

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers' places of employment.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan 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 or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

Updated: July 8, 2016
Originally posted: April 17, 2013

The Washington State Department of Financial Institutions (DFI) warns consumers to verify that any lender from which they consider obtaining a payday loan holds a Washington State license for providing payday loan services. Before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

The Department has received complaints against Red Cedar Services, Inc. d/b/a 500FastCash (500FastCash). It appears that 500FastCash is operating as an online tribal lender. 500FastCash claims to be a subdivision of the Modoc Tribe of Oklahoma, a federally-recognized Indian Tribe.

500fastcash operates a website at [www.500fastcash(.)com] and lists its contact information as:

Red Cedar Services, Inc. d/b/a 500FastCash
515 G Street SE
PO Box 1167
Miami, OK 74354
Fax: 866*374*2028
Email: [compliance@500fastcash(.)com]

500FastCash is not licensed by the Department and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Verify License

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers' places of employment.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan 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 or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

The Washington State Department of Financial Institutions (DFI) warns consumers to verify that any lender from which they consider obtaining a payday loan holds a Washington State license for providing payday loan services. Before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI has received a complaint against Rosebud Lending BHL d/b/a First Pay Loans (First Pay Loans). It appears that First Pay Loans is operating as an online tribal payday lender. First Pay Loans claims to be an owned and operating entity of the Rosebud Economic Development Corporation, an arm of the Rosebud Sioux Tribe located in South Dakota.

First Pay Loans operates a website at [firstpayloans.com]. The website lists its contact information as:

Rosebud Lending BHL
d/b/a First Pay Loans
Mandy Medaris (Compliance Manager)
Phone: 1*877*873*8710
Fax: 1*561*513*4095
Email: [customerservices@firstpayloans(.)com]

First Pay Loans is not licensed by the Department nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Washington State residents are informed that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and does not exceed $700.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC-HELP or online at www.ftc.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender 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.

If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI received a complaint indicating that “investigators” claiming to represent “Legal Mediation Services” contacted a consumer via telephone about the collection of a debt. The debt was purported to be from Direct Lending. The individuals alleged that an arrest warrant was put out for the consumer. The consumer reported that she has never conducted business with either entity. 

Information included in the complaint:
 
Representative:
Tracey, “Investigator”
Mr. Wilson, “Investigator”

Phone number: 859*208*0826

BE ADVISED, “DIRECT LENDING” IS NOT TO BE CONFUSED WITH THE FOLLOWING LICENSED AND REGISTERED COMPANIES IN WASHINGTON STATE:
 
DIRECT LOANS ONLINE, INC d/b/a DIRECT LENDING GROUP
B & E PERSONNEL SERVICES, INCORP d/b/a DIRECT LENDING
DIRECT LENDING GROUP, INC

Those perpetrating this scam are not related to the properly-licensed companies listed above, and are not licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Debt Collection Laws

Collection activities by third parties are 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 please contact the Federal Trade Commission at 1-877-FTC HELP or online at www.ftc.gov.

Report Fraud

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.  If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.
 
DFI received a complaint indicating that a “Collections and Legal Department” purporting to be directly from CashNet USA contacted a consumer via email about the collection of a loan. The email contained what appeared to be payment amounts for a “lawsuit” and “court restitution.” The email then instructed the consumer to respond within 48 hours or further action would commence.
 
Email address included in the email: [debt.cashnet@gmail(.)com]
 
Be advised, the DFI has no evidence that indicates THAT THE PARTY OR PARTIES INVOLVED WITH THIS EMAIL COLLECTION SCAM IS ASSOCIATED WITH CNU of Washington LLC d/b/a Cash Net USA, a licensee under the Check Cashers and Check Sellers Act.
 
Those perpetrating this scam are not licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Debt Collection Laws

Collection activities by third parties are 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 please contact the Federal Trade Commission at 1-877-FTC HELP or online at www.ftc.gov.

Report Fraud

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.  If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.
 

Updated: July 18, 2016
Originally posted: January 07, 2016

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI received complaints of what appears to be a collection scam. Several consumers reported receiving emails and phone calls that demand payment for alleged debts. Recently, one consumer reported that an individual claiming to represent “CFS” attempted to collect a debt allegedly owed to “EP Processing, LLC”. The representative contacted the consumer from various phone numbers and threatened legal action if the debt was not paid. The consumer stated that CFS* refused to provide proof of the debt. The consumer also reported that she had never obtained a loan from EP Processing, LLC.

*Be advised, "CFS" should not be confused with the following companies registered to conduct business in the State of Washington through the Secretary of State and Department of Revenue, Business License Services Division:

• CFS Holding, LLC d/b/a Creative Financial Staff
• CFS Holdings Inc.
• CFS Services Inc.

Another Washington State consumer received phone calls from a company representing itself to be MCO Arbitration and EP Processing, LLC, attempting to collect on a debt. The consumer requested proof of the debt but the representative refused. The representative also allegedly threatened civil litigation against the consumer and the consumer’s family.

In addition, two Washington State consumers received phone calls that claimed that the consumers failed to repay a loan from GDS Solutions Collections. The phone calls occurred at odd hours of the day and threatened legal action if the debt was not paid by a certain date. The consumer requested documentation to substantiate the debt, but the caller refused to provide such documentation.

The following telephone numbers and email address were recently operational and appear to be associated with this apparent scam:

Telephone:
253*269*0076
866*370*4527
509*639*5677
866*313*4618
844*279*7431
855*347*9167
855*401*1784

Email: [ladyrino@yahoo(.)com]

EP Processing, LLC, GDS Solutions Collections, MCO Arbitration, and CFS are not licensed by DFI. These companies are also not registered with the Washington Secretary of State, do not have a license to do business in Washington State, and are not licensed collection agencies with the Washington State Department of Licensing.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the "Verify a License" feature on the Department’s website at www.dfi.wa.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

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

If you feel you have been the victim of a loan 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. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

Updated: July 18, 2016
Originally posted: February 26, 2016

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI has received complaints against “ACS Incorporation” or “ACS Incorp.” It appears that these complaints involve a loan collection scam.

A consumer reported receiving an email from an “Investigation Officer” claiming to represent “ACS Incorp” with regard to collection of an alleged online debt. The email contained a specific payment amount due and stated that if the amount was not paid, the consumer would be sued and his bank accounts would be seized. The consumer reported never having an online loan.

It was also reported that a consumer received a threatening email which alleged he had a delinquent loan. The email contained a PDF attachment entitled, “ACS Settlement Agreement.” The consumer was asked to fill out the form and include a copy of his photo identification and credit card information.

In another report the consumer received an email that contained a case file number and amount due, and stated that if there was no payment within the next 24 hours, the consumer’s information would be sent to the “United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States” for lawsuit proceedings.

The following information was identified in the emails:

Entity representatives identified themselves as: Shawn Johnson, “Sr. Investigation Officer,” John Harris, and Liam Smith, “Investigation Officer”

Phone: 315*512*2218
Fax: 760*284*6238

Email addresses:
[collections.paydaycash.acs@gmail(.)com]
[acsincorp.settlement.usa@gmail(.)com]
[collection.acs.recovery@gmail(.)com]

“ACS Incorporation” or “ACS Incorp” is not licensed by DFI and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Verify License

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers' places of employment.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan 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 or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

Alert Updated: 07/26/2016
Originally Posted: 05/15/2012

Island Finance LLC may also be doing business as White Hills Cash LLC , whitehillscash.com

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access. Consumers can determine whether a payday loan or consumer loan company 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/findcompany.htm.

DFI has received a complaint from a Washington consumer against Island Finance, LLC d/b/a White Hills Cash (White Hills Cash). The consumer claimed that he obtained a payday loan through White Hills Cash and was charged excess fees and interest.

It appears that White Hills Cash is operating as an online tribal payday lender. White Hills Cash claims to be a tribal enterprise of the Ft. Belknap Indian Community located in Montana.

White Hills Cash operates a website at [www.whitehillscash.com]. The website lists its contact information as:

Island Finance, LLC d/b/a White Hills Cash
Attn: Michelle Fox
PO Box 330
Hays, MT 59527

Phone: 800*986*1962
Tribal Hotline: 888*517*3696
Email: [customerservices@whitehillscash.com]

White Hills Cash is not licensed by the Department of Financial Institutions nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Washington State residents are informed that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and does not exceed $700.

Payday Loan Debt Collection Laws

Washington State law prohibits threatening or harassing behavior by individuals attempting to collect a debt. The federal Fair Debt Collection Practices Act states that debt collectors must send consumers a written notice within five days of the first collection phone call, stating the amount of the debt and what it relates to. Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers' places of employment.

Verify Licenses

DFI strongly recommends that residents verify the license of any lender with which they consider doing business with. Consumers are urged to verify licensing status prior to giving the lender nonpublic personal information, such as social security number and checking account access. You can verify a license with DFI at www.dfi.wa.gov or by calling 1.877.RING DFI (746-4334).

Report Violators

If you feel you have been the victim of a loan scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI received a complaint indicating that an individual claiming to represent the “Cash Advance Debt Collector Department” contacted a consumer via email about the collection of a loan reportedly from Cash Net USA. The email contained what appeared to be a case number, arrest warrant, and outstanding loan amount. The email then instructed the consumer to respond and pay the debt or her wages would be garnished, her employer contacted, her bank accounts seized, and legal action would proceed. The email listed numerous other licensed check cashers and sellers and payday loan companies as being affiliated with the scammer.

Contact information included in the email:

Representative: Mark Brown, “Accounting Department”

Address: Cash Advance Debt Collector
7850 Lago Del Mar Dr. Suite 118
San Diego, CA 92119

Email addresses: [cashadvancedeptresolution@gmail.com]
[attorneyjackmorris@gmail.com]

IN ADDITION, “Cash Advance Debt Collector Department” SHOULD NOT BE CONFUSED WITH ADVANCE AMERICA, CASH ADVANCE CENTERS OF WASHINGTON, LLC D/B/A CASH ADVANCE CENTERS, A CURRENTLY LICENSED COMPANY IN WASHINGTON STATE.

Those perpetrating this scam are not licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Debt Collection Laws

Collection activities by third parties are 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 please contact the Federal Trade Commission at 1-877-FTC HELP or online at www.ftc.gov.

Report Fraud

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. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI has received a complaint against Majestic Lake Financial, Inc. (Majestic Lake Financial). It appears that Majestic Lake Financial is operating as an online tribal lender. Majestic Lake Financial claims to be owned by the Habematolel Pomo of Upper Lake, California, a federally recognized Indian Tribe.

Majestic Lake Financial operates a website at mlfinc.com. The website lists its contact information as:

Majestic Lake Financial
635 East HWY 20, K
Upper Lake, California 95485
Phone: 844-427-1400
Fax: 855-568-5928
Email: customerservice@mlfinc(.)com

Majestic Lake Financial is not licensed by the Department nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Verify Licenses

DFI strongly recommends that consumers deal only with companies or individuals that are properly licensed to conduct business. Consumers can determine whether an entity is properly licensed using the "Verify a License" feature on the DFI’s website at www.dfi.wa.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender 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. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI received a report indicating a representative claiming to be from “First Recovery” called a consumer and informed her that she needed to pay an outstanding debt to avoid legal action. The consumer asked the representative for more information regarding the debt, but the representative refused to cooperate. The consumer reported never having obtained a payday loan.

The following contact information was reported by the consumer:

Representative: “Mark Wilson”
Phone number: 1*844*243*2207

Those perpetrating this scam are not licensed by DFI, nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Payday Loan Debt Collection Laws

Collection activities by third party debt collectors are subject to the federal Fair Debt Collection Practices Act (FDCPA). If you are contacted by a party attempting to collect a debt that you don’t think you owe, you should request that the party provide you with a written validation notice, which must include the amount of the debt, the name of the creditor you owe, and the rights that you have under the FDCPA. If you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP or online at www.ftc.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender 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. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI has received a complaint against Majestic Lake Financial, Inc. (Majestic Lake Financial). It appears that Majestic Lake Financial is operating as an online tribal lender. Majestic Lake Financial claims to be owned by the Habematolel Pomo of Upper Lake, California, a federally recognized Indian Tribe.

Majestic Lake Financial operates a website at mlfinc.com. The website lists its contact information as:

Majestic Lake Financial
635 East HWY 20, K
Upper Lake, California 95485
Phone: 844-427-1400
Fax: 855-568-5928
Email: customerservice@mlfinc(.)com

Majestic Lake Financial is not licensed by the Department nor registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Verify Licenses

DFI strongly recommends that consumers deal only with companies or individuals that are properly licensed to conduct business. Consumers can determine whether an entity is properly licensed using the "Verify a License" feature on the DFI’s website at www.dfi.wa.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender 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. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

DFI has received a complaint from a Washington State consumer regarding an apparent Payday Telemarketer SCAM. The consumer provided DFI with a voicemail from an unspecified company that claimed the consumer "pre-qualified" for a payday loan. The voicemail stated that the company "picks 50 loan applications" every day for "pre-approved" loans up to $1,000.00. It then stated that the consumer was the 26th pick of the day.

The company used the following phone number: 313-444-1029

The company did not provide its name in the voicemail.

The Department has no information to support that the Payday Telemarketer is licensed with the Department or registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Important Information for Washington Consumers Dealing with Unlicensed Lenders

Washington State residents are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a "small loan" made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A "small loan" is defined in RCW 31.45.073 and is a loan that does not exceed $700.

Washington State residents are informed that Washington State law provides in RCW 31.04.035 that fees or interest charged in the making of a nonresidential loan by an unlicensed lender must be refunded to the borrower. For a residential mortgage loan, an unlicensed lender must refund any non-third-party fees charged in connection with the origination (excluding interest charges).

Report Unlicensed Lending Activity or Fraud

Washington State residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. Even if the activity involves a loan over the internet, a license may still be required.

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.

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 .

If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.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 feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

Updated: September 9, 2016
Originally posted: February 22, 2011

DFI has received complaints of what appears to be a possible debt collection scam. Consumers report receiving calls or e-mails claiming that the consumers owe debts that they do not actually owe. This scam appears to target consumers who applied for loans from unlicensed companies online. The people behind this scam claim that the consumers owe debt to companies with “ACS” in their names or the initials “ACS.” Examples include:

• American Cash Services
• American Cash Services USA
• Advance Cash Services
• Ace Cash Services
• ACS Legal Group
• ACS Legal & Collection Department
• ACS Inc. Payday Loans

Some consumers report receiving repeated harassing collection calls. The callers call consumers at work and home. In some cases, they have called consumers’ credit references. The callers often threaten legal action. Many of the callers claim to be attorneys or members of law enforcement. The callers often have the consumer’s personal information such as checking account numbers and social security numbers.

Other consumers report receiving repeated harassing emails. These e-mails also threaten legal action, and may come from senders claiming to be attorneys or members of law enforcement. The people sending these e-mails also have access to consumers’ personal information.

One consumer reported receiving threatening voicemails and emails alleging that she owed a debt and would serve jail time if the debt was not paid.

The following contact information has been associated with this apparent scam:

210*775*2534
229*384*5700
303*261*8949
315*507*8391
347*468*8535
347*468*8964
404*410*2486
413*835*4855
607*595*1838
609*325*2479
629*325*2479
714*929*7223
832*232*0384
319*248*5618
319*238*7750

[acs.legalassistance.us@gmail.com]
[collections@ace-cashexpress.com]
[collections.cashnet.us@gmail.com]
[collection.debt.acs@acs-settlement.com]
[corporations.legalorg@gmail.com]
[debt.collections@pcs-department.com]
[johnsmithacs@outlook.com]
[settlement.department@acscorps.com]

None of the above-listed companies are licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing (DOL), the Department of Revenue, or the Secretary of State. The DOL licenses and regulates collection agencies under RCW 19.16.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan 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 or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.

The Washington State Department of Financial Institutions (DFI) warns consumers to never give any nonpublic personal 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 a complaint from a Washington consumer against a company called “Quick Cash America.” The consumer claimed that Quick Cash America repeatedly called the consumer and emailed “late payment” notices for a loan. The consumer reported that they had once applied for a loan from the company, but that they never got the loan because the consumer did not pay a required “advance fee” for the loan. The consumer reported receiving emails and telephone calls demanding a payment and that legal action and arrest were threatened if no payment was made. At one point, someone from the company contacted the consumer’s bank, alleging to be the consumer in order to access the consumer’s bank account.

The following contact information has been associated with Quick Cash America:

Email: [govsettlementdepartment@gmail.com]
City Location: Montclair, CA 91763

Phone numbers:
803*400*3826
786*484*7907
747*201*9755
202*738*1462
786*468*7534
202*810*9695

Quick Cash America is not licensed by the DFI and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State. The Department of Licensing licenses and regulates collection agencies under RCW 19.16.

Be Advised, Quick Cash America Should Not Be Confused With The Following Company(ies) Licensed To Conduct Business Through The Secretary Of State, Department Of Revenue And/or Department Of Licensing

• QC Financial Services, Inc., d/b/a “Quik Cash” in Washington State

Important Information For Washington State Consumers

Washington State residents are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a “small loan” made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700. Collection activities by payday lenders in Washington State are subject to RCW 31.45.082, which limits the time, place, and manner in which a payday loan may be collected. Payday lenders must also provide borrowers with an installment plan if the borrower is not able to pay the small loan back when it is due.

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. 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.

Prevent And Report Identity Theft

Consumers should never make payments over the phone or via email to a third party debt collector that refuses to provide a written validation notice. Even if the party seems to have some of your personal or financial information, you should not make payments or provide bank account or credit card information without receiving a written validation notice. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.gov.

If you feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov.

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.

Alert updated: 09/30/2016
Originally posted: 06/04/2012

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.

DFI has received complaints from Washington consumers against Plain Green, LLC d/b/a Plain Green Loans (Plain Green). Consumers claimed that Plain Green was charging excessive fees and interest and did not provide consumers with repayment plan terms consistent with state law.

It appears that Plain Green is operating as an unlicensed tribal lender. Plain Green claims to be wholly owned by the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation, a federally recognized Indian Tribe located in Montana.

Plain Green operates a website at [plaingreenloans.com] and lists its contact information as:
Plain Green Loans
93 Mack Road, Suite 600
P.O. Box 270
Box Elder, MT, 59521
866*420*7157

If you have a complaint against Plain Green, you can mail it to:
Plain Green Loans
Attn: Consumer Complaints
PO Box 270
Box Elder, MT 59521

Plain Green is not licensed by DFI and is not registered to conduct business in Washington State by the Department of Licensing or the Secretary of State.

Important Information for Washington State Consumers

Washington State residents are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a “small loan” made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700.

Washington State residents with loans exceeding $700 are informed that Washington State law provides in RCW 31.04.035 that fees or interest charged in the making of a nonresidential loan by an unlicensed lender must be refunded to the borrower.

Report Unlicensed Lending Activity or Fraud

Washington State residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. Even if your activity involves a loan over the internet, a license may still be required.

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.

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 a complaint of an apparent scam involving false cashier’s checks deposited into the consumer’s account then wired to another person. The complaint involved an individual using the name “Galva Thomas” and “Elva Thomas” (aka “Tom”) claiming to be a Distribution Manager for Double H. Plastics, Inc., a company in Pennsylvania.

In the complaint, the consumer reported applying for a General Clerk position with Double H. Plastics, Inc. through her College Career Services. Upon being “hired,” Galva Thomas informed the consumer that she would be receiving checks via express mail to be used to pay invoices for promotional items. The consumer was instructed that when she received the checks, she was to deposit them into her bank account and promptly transmit the money to Cheralynn Peterson in Katy, Texas. The consumer successfully transmitted various amounts of money to Cheralynn Peterson; however, the cashier’s checks that she had received and deposited were later returned for insufficient funds. When the consumer attempted to contact Galva Thomas about the returned checks, no response was provided. The consumer was not able to recover the money that she had transmitted to the scammers.

The information below was also contained in the complaint :

Angela Pressley
15610 Donnet Lane
Houston, TX 77032

Rebecca Baggett
2800 E Broadway Street
Pearland, TX 77581

Phone: 225*364*9120
Email: info[at]doublehplastics.com

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.

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 for collection agencies in the State of Washington with the Department of Licensing at www.dol.wa.gov.

DFI has received a complaint of what appears to be a possible debt collection scam. A Washington consumer reported receiving an email from individuals claiming to represent “OWW and Associates.” The email contained an agreement instructing the consumer to make payment arrangements for an alleged debt with “GTI Holdings” using “Intrinsic Tel Secure” processing.

The consumer then reported receiving threatening calls from a man claiming to be Steven Sanders. The caller instructed the consumer to make a payment to Diana Marshall or he would forward the consumer’s case to the sheriff’s department and issue a warrant for her arrest. The consumer proceeded to make two payments, via money transmission, to Diana Marshall.

The following contact information has been associated with this apparent scam:

Individuals:
Lauren Johnson
Steven Sander
Wayne Johnson
Diana Marshall

Address:
809 S West St
Atlanta, GA

Phone numbers:
866*285*0664
561*200*3378
410*220*0822
405*253*4755

Email address:
[Owwassoc@gmail.com]

OWW and Associates is not licensed by DFI nor registered to conduct business in Washington State by the Department of Licensing (DOL), the Department of Revenue, or the Secretary of State.

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.

Prevent and Report Identity Theft

Consumers should never make payments over the phone or via email to a third part debt collector that refuses to provide a written validation notice. Even if the party seems to have some of your personal or financial information, you should not make payments or provide bank account or credit card information without receiving a written validation notice. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft and you should take appropriate precautions. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.gov.

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.

Updated: July 18, 2016
Originally posted: February 26, 2016

The Washington State Department of Financial Institutions (DFI) warns consumers that before doing business with a financial institution, company, or individual, they should make sure that the entity is properly licensed. Consumers are urged to verify license status prior to giving the financial institution, company, or individual any nonpublic personal information, such as social security number or bank account number or access.

DFI has received complaints against “ACS Incorporation” or “ACS Incorp.” It appears that these complaints involve a loan collection scam.

A consumer reported receiving an email from an “Investigation Officer” claiming to represent “ACS Incorp” with regard to collection of an alleged online debt. The email contained a specific payment amount due and stated that if the amount was not paid, the consumer would be sued and his bank accounts would be seized. The consumer reported never having an online loan.

It was also reported that a consumer received a threatening email which alleged he had a delinquent loan. The email contained a PDF attachment entitled, “ACS Settlement Agreement.” The consumer was asked to fill out the form and include a copy of his photo identification and credit card information.

In another report the consumer received an email that contained a case file number and amount due, and stated that if there was no payment within the next 24 hours, the consumer’s information would be sent to the “United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States” for lawsuit proceedings.

The following information was identified in the emails:

Entity representatives identified themselves as: Shawn Johnson, “Sr. Investigation Officer,” John Harris, and Liam Smith, “Investigation Officer”

Phone: 315*512*2218
Fax: 760*284*6238

Email addresses:
[collections.paydaycash.acs@gmail(.)com]
[acsincorp.settlement.usa@gmail(.)com]
[collection.acs.recovery@gmail(.)com]

“ACS Incorporation” or “ACS Incorp” is not licensed by DFI and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Verify License

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP, or online at www.ftc.gov.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers' places of employment.

Report Fraud

Washington State residents, if you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you live in another state, find your state regulator.

If you feel you have been the victim of a loan 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 or online at www.consumerfinance.gov. Because the scammers have access to bank account information and social security numbers, victims should consider themselves victims of identity theft and take appropriate precautions. The Federal Trade Commission has information for victims of identity theft available online at www.ftc.gov.

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

If you feel you have been the victim of a loan scam and are concerned about your personal financial information, contact your banking institution, and the three major credit bureaus.