• Report: #446987
Complaint Review:

American Credit Service

  • Submitted: Mon, April 27, 2009
  • Updated: Tue, April 28, 2009

  • Reported By:Chapel Hill North Carolina
American Credit Service
americancreditsolutions.com Nationwide U.S.A.

American Credit Service, American Credit Service - FREAK OUT SCAM Nationwide

*Consumer Comment: This is a Scam

*Author of original report: Scam update - American credit service.

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I just had a lady call with a very thick accent and I couldn't even understand her name and it was VERY time sensitive. She said that tomorrow evening at 11 p.m. a police officer was coming to my house to pick me up and take me to jail. She told me that i was being charged with 3 felony accounts, Check fraud, violation of federal banking violations, and theft. She said she needed my attorney's information so she could forward my case file to them. When I told her I didn't understand what this was concerning, and I didn't have an attorney, she kept telling me "mam, I don't want your money I cannot help you."When I started freaking out on her, she hung up on me.

My fiance then called her back wanting to know what exactly was going on she told him the same thing. He then proceeded to ask to speak with her supervisor, she put him on hold and then hung up on him. As he was talking to her I immediately jumped online to see their web site because I never remember taking out any cash loans or anything from them, I saw that the report on this web site and my absolute terror turned into absolute anger.

I called homeland security as instructed to do so on the original report and spoke with an agent. He said that he had just gotten off the phone with a guy in Seattle and that this was a wide spread panic.

All I can say, is that if you or someone you know has received a call like this, please call homeland security immediately.

Apparently, these guys have several different numbers that they have been calling from, the number they called me from was, 714-409-0250.

This is a very serious matter, according to the agent at HLS that I spoke with, he said there are 3 different credit unions they are getting your complete information from, one of them being equifax. PLEASE DO NOT give any personal information over the internet or VIA email.

Chapel Hill, North Carolina

This report was posted on Ripoff Report on 04/27/2009 05:48 PM and is a permanent record located here: http://www.ripoffreport.com/reports/american-credit-service/nationwide/american-credit-service-american-credit-service-freak-out-scam-nationwide-446987. 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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Updates & Rebuttals

#1 Consumer Comment

This is a Scam

AUTHOR: Ray - (Canada)

This is a scam,and if you had followed threw with cashing the cheque,the scammer would have gotten you to send some of the money back.A few weeks later the bank would have callen you back saying this was a forged check and then you would have to go good for the cheque.
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#2 Author of original report

Scam update - American credit service.

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

So on top of scammers calling me threatening that police is going to take me away and crap, I wake up this morning and ups has dropped a package off at my door. I open it, It's a check for $3,750.00. At first I was like WAH@#$%^ WOOOOO YEAH and then I realized, wait this isn't right.
I get online to check the company on the check, it's a car dealership in NJ. WHAT? So I call them and tell them I have a check in front of me what is it for, the lady says, I don't know what you are talking about what's the check number, so I give it to her. She then tells me that's not even one of our check numbers, I need you to fax me that check, I'm like yeah whatever sure not really and then hung up. I then call the bank on the check, give them the account number and everything, then the amount, they tell me that they only thing they can say is that there is enough money in the account to cover the funds. I said ok thanks and hung up. So I call the dealership back and spoke with the guy who's signature was on the check.
I said "mr. soandso" he said yes,"I said I am looking at a check here in front of me for 37hundred dollars, can you tell me what this, I don't understand what this is for." He then asked if I was a cop, I was thinking should I say yes, instead I told the truth, "no sir, I'm not a cop, I'm an individual sitting at her desk with a check written out for 37hundred dollars from your company with your signature and I just want to know what it's for.". He then paused for a moment and said "I don't know what that is, you need to send that to me, mail that check to me, someone is trying to set me up for fraud". I was like yeah o.k. whatever and hung up. This guy was a @#$% joke, hidding behind his desk selling cars in NJ.
I call homeland security back today, after I got off the phone with the dealership and the bank and debating if I should really cash the check. I mean hell, who couldn't use the money. Then I noticed as I put it to the light, there was no watermark. Oh @#$% this I'm researching this and calling HLS again.
I do a reverse lookup on the address that was posted on the ups folder which was completely different from any of the address's on the check. The address was in TX, and it was a residential address and a family of 4. WOW this is pretty messed up, I wonder if they have any connection to the spammers that have been calling and threating me.
I then remember an email a guy sent me a couple weeks ago, "work from home p/t, you don't even have to quit your full time job. Job will consist on mailing checks and delivering packages." I remember responding to the guy, I wanted to mess with him so hard. When I responded I told him I wanted to know more about his company, what his company name was, how he did the process and so forth. I get an email back the next day saying "congrats, you are now in our system as an employee, a check will be mailed to you wait for further instructions." WHAT? I thought whatever.
So this morning I get the freakin check. I look up his email, I send him an email and asked for a phone number where I could reach him, I immediately get a mailer daemon back saying this email address is no longer valid.

Well @#$% @#@ @#$@#$@#$

I have to do more research. How the are spammers that are calling me everyday threating me, this guy that offered me a job, an address in TX, a guy in NJ from a car dealership, and a check linked together. WHAT have I done in my life to deserve this?

So I do a reverse look-up on the email address and find his phone number and another listing on oddle.com for the position. Oh I got a phone number now. I don't call it though because I'm pretty freaked out right now.

I call HLS back. I talked to an agent for hours, I tell him everything I know, everything I looked up, including names, address's and everything. I told him about the report on ripoffreport.com that I found yesterday and told him that all the numbers that they are calling people from are on the report, my statement is on there as well. When I then told him I did a state wide search for area codes, he was blown away. I took every number and listed the state where the area code was listed. All but one was listed as a CA number, the other a FL number. The guy that sent me the email, had a CA phone number as well.
Supposedly. Come to find out, there is a company overseas that has somehow manipulated a vonage line to bounce american state numbers off their line to make it look like they are calling from the US so they can call and harass people.
He then tells me to take all this information, and the check to the Chapel hill police department. So I did, the cop was shocked, He had never heard of anything like this. I give him the check, he looks at it, asks me questions and then realizes, the freakin check was a print off. Somehow someone got this guy's signature in NJ, forged it and printed it. You could tell by the way there were no marks on the back of the check from "signing it".

So, the story keeps going on. I now have a private investigator on the case, homeland security and the local police department all on this case. I really hope they crack these bastards. I'm looking to hire an attorney for a law suite.

If you guys get a phone call or an online job offer DO NOT RESPOND, and tell the guys that are calling and threatening you that homeland security know that they are scammers and I promise they will not call back. They tried to call me back today, when I picked up the phone I told them exactly what the guys at HLS told me to and they have no since then called back.
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