At around 9:30 am I received a phone at work from a woman that was obviously from India. She stated (in broken english and a very thick accent) that she was calling from the "State Attorney's General Office" and said I had three criminal charges being file against me from a company called Cash Advance USA. She gave another number to me and told me to call right away, (916-238-8478) stating it was the number to the state attorney filing the case..named Mike Anderson.
After an about an hour I called the number. I could hear several people in the background..and I could hear dollar amounts being given. The phone was answered with a slow Hello by a man that also had a fairly heavy accent..not a professional introduction, just a Hello. I asked for Mike Anderson and was answered by a "yeah". I asked if he was with the State Attorney's General Office, and he again said "yeah". When I told him my name, and that I had been told to call about criminal charges against me, he was able find a file and to quote the last 4 digits of my social and told me.
He said I had defaulted on a payday loan over the internet to Cash Advance USA. When I told him I had never gotten a loan from there he asked if I could remember everything I had done for the last 2 to 7 years, stating that the defaulted loan had been taken out somewhere during that time frame. I told him that could remember very well, and I know I have never done business with this complany. I asked for a specific date and time, and he said he would not give that information, stating he did not have access to it.
He said the sheriff's department would come to my job and arrest me, and told me to find someone that would be willing to bail me out of jail. He said that I would have to tell my story to the Judge and Jury. I again told him I had never done business with Cash Advance USA, and had know idea what he was talking about. He told me that the charges were going to be downloaded to my State's Attorneys and that my state had zero tolerance for this kind of theft, and I had better get a lawyer or be prepared to spend time in jail..
He then told me he had the right to contact my employer and inform them of the charges, and told "I will tell them what you have done!" I asked how he could be filing charges against me, but not know the dates and times of the loans, I told him all of that would have to be in the Affidavit being sent to the State for review, and that evidence would also have to show the times and dates...at this point he said he was downloading the charges to my state and I would be arrested..then hung up the phone.