Customer Alert: Scammers Claiming to Express Advance America Target Maine People

SPARTANBURG, S.C., Nov. 13, 2014 /PRNewswire-USNewswire/ — Advance America, a nationwide provider of payday loans as well as other economic solutions, has become conscious of a brand new revolution of frauds focusing on customers in Maine. These scam performers, posing as Advance America representatives to gather cash from naive customers, have been in no real means associated with the business. As a result of state laws, Advance America doesn’t presently provide loans that are payday Maine residents.

In the last couple of weeks, in specific, scammers have actually contacted Maine residents claiming them to acquire a prepaid debit card or cable cash as a «processing cost» or «good faith deposit. They have been pre-approved for the loan, then asking» In other situations, scammers look for to get on «unpaid» cash advance financial obligation, usually threatening arrest or appropriate action or demanding individual economic information over the telephone. Scammers went so far as sending residents loan that is fraudulent utilizing the Advance America logo design.

«Scammers usually make use of the standing of the best, respected company to con victims from their cash, » stated Patrick O’Shaughnessy, president and CEO of Advance America. «Legitimate payday loan providers such as for example Advance America are very controlled at both their state and level that is federal will never make use of the sort of fraudulent and unlawful techniques utilized by scam performers. «

Advance America urges customers to spot the caution signs of monetary fraud and follow these methods for avoiding cash advance and commercial collection agency frauds. If people suspect being scammed, they ought to report it instantly to law that is local also to the financial institution that the scammer claims to express. If you have been contacted by somebody claiming to express Advance America, please call 888-310-4238.

Learn signs and symptoms of a scam

Federal legislation strictly regulates exactly exactly how genuine bill enthusiasts and loan agents can perform company. The federal Fair Debt Collection techniques Act (FDCPA) specifically forbids loan companies from being abusive, unjust or misleading in wanting to gather a financial obligation. What the law states especially states debt collectors cannot threaten customers with jail or arrest time when they do not spend their bill. If somebody claims you are going to face unlawful prosecution them money, it’s almost certainly a scam unless you immediately wire.

Scammers might also claim you to acquire a prepaid debit card or cable cash as a «processing cost» or «good faith deposit. You have now been pre-approved for a financial loan, then need» Others may actually be identity thieves out to get the individual or information that is financial.

How to prevent Scams:

Along with focusing on how loan providers and bill collectors can run, customers should take steps to also protect by themselves, including:

  • Never ever provide private information such as the Social Security number or banking account information online or higher the telephone without verifying you are dealing with the best loan provider or bill collector. To confirm, phone the establishment straight straight back making use of a understood number, for instance the true quantity noted on your declaration or from the straight back of one’s credit/debit card.
  • Be suspicious of any e-mail with urgent demands for individual information that is financial. If a message demands action that is immediate makes upsetting or exciting false statements, it really is most most likely a scam.
  • Verify business licenses whenever trying to get that loan on line. Genuine lenders will display state licenses payday loans in Arizona direct lenders on the sites to confirm they are full-service, certified lenders complying with state and laws that are federal.
  • Never ever wire money or offer debit that is prepaid information up to a loan provider claiming you have got been pre-approved for a financial loan and must make a preliminary re re payment being a «show of great faith. » Genuine loan providers usually do not offer approvals ahead of application and never need good faith deposits.
  • Keep anti-virus, anti-malware, and spam e-mail security pc pc software as much as date on your entire computing products.
  • Preserve an archive of most debt that is outstanding and consist of loan provider contact information.
  • Frequently look at your bank, credit and debit card statements to make certain there are not any transactions that are unauthorized. Likewise, look at your credit file (using Equifax, Experian, or TransUnion) every four months for a basis that is rotating credit history tend to be one of the primary places where signs and symptoms of identification theft or fraudulence will show up.
  • If somebody draws near you claiming you borrowed from them a financial obligation, need they supply written evidence of your debt while the legislation calls for – particularly when it really is for a charge a fee do not recognize.

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