On July 17, 2012 I received a call from the National Check Fraud Center located in Charleston, SC. stating that if I did not pay off an "alleged" debt that I would have a warrant issued for my arrest. They stated that this debt was from a "payday" loan that I took out in Raleigh sometime in 2006. That is over six years ago and I needed more information which they refused to provide to me.
To be fair, I had used a "payday" loan service once before in my life when things were unstable financially at that particular time but that loan was paid off. They stated that I did pay some of that loan off, a 3rd of it but they stated when they tried to get the money back out of my bank account, I put a stop payment on the check that I "allegedly" gave to the payday service company. I don't think I would ever let a "payday loan service company" have access to my checking account because I think these companies are sleazy. They went on to say that I was malicious and intentful to do that (putting a stop payment on this so-called check that I wrote) and that I will be arrested in the next several days.
I have never been malicious in my life and I would not have done this if I owed this company this debt. I requested information on the company that was accusing me of this debt and the National Check Fraud Center stated that it was JD Marketing out of Florida. They would not give me the number for that company so I could call and verify this debt because they stated that the debt was now in there hands. I, to say the least was panicked because I was not going to pay this debt off unless 1st whether I owed this debt and 2ndly because I needed more time to get all the information needed to really investigate this debt. If I investigated this and realized that I owed this, then I would happily pay it back but without all the "true" information, there would not be payment.
I have been checking the Charlotte Mecklenburg police sites to see if there is a warrant out for my arrest and I am panicked. This company should be fined and/or closed down for tactics that they utilize to scare people out of there wits to collect a debt. I sincerly want to press charges.