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Report: #1518118

Complaint Review: Spot Loan -

  • Submitted:
  • Updated:
  • Reported By: Identity Theft Loan Scam Victim — United States
  • Author Confirmed What's this?
  • Why?

Spot Loan Their attorneys office? Sounded like a fake debt scam. Possible identity theft matter from several years ago (7+)

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I received calls from what was flagged as spam on my phone. Sometimes it happens to my doctor's office, so I called the number back, as it was a 405 area code.

The person who answered said that they were at an attorneys office, and I was called by a legal assistant, in regards to a loan from Spot Loan. The person had a bunch of my personal information, including the last 4 of my social, an address that I haven't lived at in over 7 years, etc...

They said they were going to be serving me paperwork and filing charges for theft of services, and loan fraud for an amount of approximately $700.00.

I didn't know what they were referring to, and advised them as much. She said something about a bank account that I used to have, which was closed due to identity theft, by a prior roommate. 

This roommate also attempted, to take out credit cards in my name from Macy's and Nordstrom's, as well as get a phone through T-Mobile. I received a bunch of credit denial letters, which had alerted me to this, and was reported to the credit bureaus at the time. I also closed that bank account as I was getting fraudulent charges on it. 

I didn't continue the discussion, due to the fact that the time frame she said this loan was taken out, was during the time I was dealing with the identity theft. And when I explained this, she brought up the account I had closed due to this, as if it proved I took out a loan I did not. So I advised her, I would not be discussing the matter further, and hung up.

Apparently, from my small amount of research, this is an online loan company. Everything is done through a computer, and they do not verify who the person is, applying for the loan. 

All the identity theft applications, were applied for online, in the last month or two that I lived at the address she brought up. It seems pretty scammy, that I have never seen this on my credit report, or heard of this company until today. But that she brought up it was applied for, during a time where I was experiencing identity theft, which was reported to the credit bureaus.

Not sure if anyone else, has dealt with this specific issue, with this company. But I wanted to file a report just in case.

This report was posted on Ripoff Report on 05/04/2022 08:39 AM and is a permanent record located here: https://www.ripoffreport.com/report/spot-loan/attorneys-office-sounded-like-1518118. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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