I'm worried sick, I received a call form a collect

I'm worried sick, I received a call form a collection agency (Audubon Financial Bureau). Due to a $2,500 loan I had taken out with
CashNetUSA when I took the loan out I was working but lost my job and have been unable to pay the loan back. They said this is a fraud and they are going to take me to court and have me arrested. For Fraud can they do this? I wish I had the money to pay them back but every penny I have goes toward feeding my family and keeping a roof over our heads.

31 Answers

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Please do not fall for this scam - they can do absolutely nothing to you.  I've had so many calls from them that now I just laugh when they call and ask them if they ever give up.  From the minute the caller opened his mouth I knew it was a scam.  And the kicker was when he said he spoke to me at my job and I had set up an appointment to talk with their inhouse lawyer.  When I asked him where he spoke to me and what job was this - he said he talked with me at a place I haven't worked for in years.  Even after his credibility had gone to hell he still continued to harass me.  That was about 6 months ago - Just yesterday I got a call from the same guy saying the same thing and threatening me yet again.  DO NOT by any means give these people money - Their scam is all over the internet.  Other scams out there are Cash Advance America, Advance America, and Fast Cash USA- all want to give you money after you give them you personal information.  And except for Audobon they all have Indian accents.  They are sick people.   Please Please don't give in to these scammers - I have had threats from Audobon forever and absolutely nothing has happened and they cannot produce documents nor back up their stupid claims.

 


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Has anyone spoken to a KATHRYN WHITE? i have been recieving tons of calls from them saying i will be thrown in jail and they will warrent my arrest. they claim they are not a collecting agency it is past that now...my concern is are they real because i did take out a pay day loan through cash net a year ago and have not paid it some people have never taken one out but recieve these calls i however have but dont know if its a scam or not? they say they do a skip trace and thats how they where able to call my family has anyone actually taken out the loan but found this actual company frauds??? please help


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716-923-7408 or 855-735-4666

Marval and Associates

200 John James Audubon Parkway
Buffalo, NY 14228

Located near the Amherst Police Department

Also goes by AFB or Audubon Financial Bureau audubonfinancialbureau.com

They are an illegal collection agency that is not licensed in any state and has no compliance officer

Scum Bag owners name is Adam March, Dan Valentine may also be part of this office

Start the sue fest have fun people its your early Christmas present


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I received a phone call from AFB today and spoke to a guy name Richard. I don't know if Richard is his real name and it could be his anonymous name. He told me that I owe Jurumba Cash $980.00 and CashWebUSA.com $1,058.00. I asked Richard a proof of document and he sent me two AFB letters stating that I own money. 

He didn't email me with proof of legal documents that I owe money for their two clients. I did some research on Google and it looks like these two clients have been dinged by Federal Government and numerious amount of people that they are fake loan corporations and warning everybody not to trust them. 

My advise is not to call them back, or answer AFB phone calls anymore. They are providing you with false information and trying to take advantage of your money. Ask them many questions as much as you can. The questions I asked could ask are: 

What's my bank's checking/saving account number(s)? I felt suspesious when they gave me a wrong banking account number.

What's my current address? They will provide you with wrong address

What's my I.P. Address? If they can provide it to you. They couldn't provide with mine. 

Request of proof of document that "you" borrowed money from So-and-so loan company. If they didn't, you know that they are fraud because according to the law, the collection agencies "have" to provide you with proof of documents within 7 days or 30 days (depending on state's regulation) from the day you had a conversation with AFB. 

and so on. But do not ask any questions that will upset them or counter your ability to lose your position of winning the argument that you have with AFB agent.

After you have asked AFB's agent with many questions, their tension will calm down and cooperate with your request. I am not a lawyer or affiliated with government but I do have a fine communication skills to shut them up.

Be honest, ask questions, and do not get upset or say any negative words that will for the agent(s) to threat you with whatever the situation that they present to you.

Good Luck 

 


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No debt collection company is allowed to threaten to have you thrown in jail and arrested. These people are insane , they lie and if you look on the web , they have been sued all over the place for illegal debt collection


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Guys, this is a huge scam! Do not buy into it! In fact people from these companies come on sites like this act like everyday people, trying to sway you into paying them.

 


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I received a call from this company a few weeks ago. I spoke with a  Ms. Whitaker. It was for a loan I took out several years ago, one i didn't even know had defaulted on, it was for 300.00. I was so taken back with everything she said I immediately set up a payment agreement with them. I should have looked them up, perhaps I would have not paid them- but they knew so much information about me I was scared. I set up 3 payment agreements with them, totaling 700.00. They amount they said was 2100.00 after all the "charges", but we settled on 700.00.  I had to change one of my payment dates, and I called to let them know. I made sure I spoke with Ms. W and she was ok with changing it for me. I actually had a positive experience with this company as far as SERVICE goes.. now do i feel I've been scammed, absolutely- the way I look at it this.. I do not need my job, family or friends knowing about my finances. I will look into this, maybe I'll lose out on the $700.00 but that's what i get for not doing my research. I've read about them calling your work, family- I'm sorry but for me, I'd rather just pay them then have my business out there for my employer, family to know.


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I have had the same experience with this company, My daughter was KILLED by a drug dealer and I could not pay one of my crdit cards on time, they called me harrassed me ten (10) times a day and even called my church where I work and told them I was being charged with fraud to a financial institution, I explained it wasn't my debt and they said "oh well sit in jail with ottawa county you looser".  I am writing and copying this to me congress man, I don't care if they are from New York, collections laws are federal laws not theirs!!!


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I have had the same experience with this company, My daughter was KILLED by a drug dealer and I could not pay one of my crdit cards on time, they called me harrassed me ten (10) times a day and even called my church where I work and told them I was being charged with fraud to a financial institution, I explained it wasn't my debt and they said "oh well sit in jail with ottawa county you looser".  I am writing and copying this to me congress man, I don't care if they are from New York, collections laws are federal laws not theirs!!!


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How about can they garnish my checks?  They keep calling my job and stating they are from the Fraud Division, and Mrs Whitaker, is very scary individual, she is very aggressive in her communciation and states they will garnish my check for over $2000.  Please help any advice? I have paid the $150 so far


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