• Report: #583065

Complaint Review: FIRST CASH INTERNATIONAL

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  • Submitted: Fri, March 19, 2010
  • Updated: Tue, March 23, 2010

  • Reported By: John — United States of America
FIRST CASH INTERNATIONAL
123 EASY STREET ARLINGTON, California United States of America

FIRST CASH INTERNATIONAL FAST CASH INTERNATIONAL Harrassing Phone calls and unwanted threats ARLINGTON, California

*General Comment: The next time they call

*Consumer Comment: A security freeze may be warranted:

*Consumer Comment: You may want to lock down your credit

*Consumer Comment: Scammers

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I have recieved several calls from this foriegn guy, that speaks terrible english. I had to listen to his voicemail about five times just to make sense of it.


He state that, it was an urgent matter, and that if I or my attorney did not return his call, that they would come after me. I did not quite understand because I have no outstanding debts or other reason to think I might be in trouble.


After calling the number he provided a dozen times, I finally reached the individual. Only this time his name is Gary and in the voicemail he said his name was Jack Leham.


I asked what the company was, he said not a company a legal department, well I thought most legal departments have a company they operate under. He informed me that a case had been opened against me in the state of california. I live in Ohio.


When I asked why, he read this affidative, which took about ten minutes for him to read. I had been brought up several charged, failure to pay debt, identy theft, ect. I told the guy I had no idea what he was talking about....


Then he began to read off all my personal info, SS#, DOB, Place of employment the whole nine yards. He stated that I could pay $895 or pay $8000 in legal fees. When I asked when I took out this loan, he could not tell me. I asked what company, he said First Cash International, but they run 500+ payday loan sites. I asked what website it was that I signed up with he said he could not tell me.


Also mentioned that they have sent me 18 email, but I fail to reply. When I asked what email address was used to send these he said he was not at liberty to say.


When I asked for a number to the company at which I supposivly took out this loan, he said he could not tell me. He eventually got fed up with my questions, and told me goodluck with this matter and that it would be turned over to the authorites.


I checked my bank account for deposits and I have none from unfamiliar companies. I believe it is just a scam for us to send them payment. Also checked email, and did not find any messages stating that I have an outstanding balance.


Additionally, I have taken out a payday loan before. They require a bank account, so that they can deposit the funds and also remove them after a week.


This report was posted on Ripoff Report on 03/19/2010 03:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/FIRST-CASH-INTERNATIONAL/ARLINGTON-California-/FIRST-CASH-INTERNATIONAL-FAST-CASH-INTERNATIONAL-Harrassing-Phone-calls-and-unwanted-threa-583065. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

The next time they call

AUTHOR: Steph - (USA)

Ask thist caller if the letters FO mean anything to him and them tell the caller that you know its a scam and the next time he calls you will get the FBI after them . If this caller has your bank imformation go to your bank close the accounts and reopen them with new #s
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#2 Consumer Comment

A security freeze may be warranted:

AUTHOR: Just Interested - (USA)

You may want to consider a security freeze which is a legal action allowed by Ohio State law. Ohio (security freeze rights established by state law)

Eligibility: All consumers.
Fees: No fee for identity theft victims. All others pay $5 to place the freeze,
temporarily lift, or remove the freeze altogether.

Effective date of law: September 1, 2008 for the security freeze provisions.
Permanent freeze remains until removal requested by consumer.

When a security freeze is in place at all three major credit bureaus,
an identity thief cannot open a new account because the potential creditor
or seller of services will not be able to check the credit file.
When the consumer is applying for credit, he or she can lift the freeze
temporarily using a PIN so legitimate applications for credit or services
can be processed.

This is a relatively inexpensive "insurance" against possible identity
thieves and others who may be checking your credit history without
justifiable reason.

Forty-seven states and the District of Columbia have enacted laws requiring
the credit bureaus to enable consumers to protect their credit files with a
security freeze.

A security freeze means that your file cannot be shared with potential creditors.
(Or those who may not have a legitimate reason to access your files.)

A security freeze can help prevent new account identity theft. Most businesses
will not open credit accounts without checking a consumers credit history first.
If your credit files are frozen, even someone who has your name and Social
Security number probably would not be able to obtain credit in your name.
A security freeze is free to identity theft victims who have a police report.

You should be aware that using a security freeze to take control over who is
allowed access to the personal and financial information in your file may delay,
interfere with or prohibit the timely approval of any subsequent request or
application you make regarding a new loan, credit, mortgage, insurance,
government services or payments, rental housing, employment, investment,
license, cellular telephone, utilities, digital signature, Internet credit
card transaction or other services, including an extension of credit at
point of sale.

To place a freeze, you must send by certified mail a letter to each consumer
reporting agency requesting a security freeze be placed on your account.
In this letter you must provide identifying information and a $10 fee, but,
if you are a victim or, you must also include a copy of your police report
to avoid a charge paying a $10 fee. Seniors who are at least 65 years old
also do not need to pay to place a security freeze. (In the future, it will
be possible to place a freeze through a secure electronic connection - likely
by sending an e-mail on the consumer reporting agencys website.)

Write to all three addresses below and include the information that follows:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348

Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

Trans Union Security Freeze
P.O. Box 6790
Fullerton, CA 92834-6790

For each, you must:
 
Send a letter by certified mail;
 
If you are a victim, include a copy of your the police report concerning
identity theft;
 
Provide your full name (including middle initial as well as Jr., Sr., II,
III, etc.,) address, Social Security number, and date of birth;
 
If you have moved in the past 5 years, supply the addresses where you have
lived over the prior 5 years.
 
Provide proof of current address such as a current utility bill or phone bill
 
Send a photocopy of a government issued identification card (state drivers
license or ID card, military identification, etc.)
 
If applicable, include a payment by check, money order or credit card
(Visa, Master Card, American Express, and Discover cards only.)

After five (5) business days from receiving your letter, the consumer
reporting agencies listed above will place a freeze providing credit
reports to potential creditors.

After ten (10) business days from receiving your letter to place a freeze
on your account, the consumer reporting agencies will send you a
confirmation letter containing a unique PIN (personal identification number)
or password. Keep this PIN or password in a safe place.


REFERENCES:
(((Redacted)))

http://www.legislature.state.oh.us/bills.cfm?ID=126_HB_624

Plus many other references can be found via a Goole search.

Do further research to determine if this is a viable method for you, or
anyone else who may find this a useful tool, to implement.

Have a safe day!
 
 

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#3 Consumer Comment

You may want to lock down your credit

AUTHOR: brent - (United States of America)

You may want to lock down your credit with the three bureaus and consider opening a new checking account.  It reads like they have enough info to steal your money and identity.
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#4 Consumer Comment

Scammers

AUTHOR: Stacey - (U.S.A.)

That is what they are - next time they call just let them know it is a scam and hang up
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