internet payday loan Q?

[BananaTheDog]

I have a dispute in progress with TU over a payday loan I can not locate or remember. There were several in 2007 and I honestly have "no knowledge" of this account. I can not locate this OC anywhere, and the account has previously been verified by the CA. The CA did not respond to my DV at all, and NEVER contacted me in the first place.

 

No amount of searching on the internet has yielded results for this OC, yet the CA verifies and refuses to respond to DV. Here's how the TL is listed...

 

 

PO BOX 18508

RAYTOWN , MO 64133-8508

(816) 737-3901

 

Balance: $410 Date Verified: 11/2009 Original Balance: $410 Original Creditor: DATA PROCESSING EASY LOANS Past Due: >$410< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account

 

In red is the OC I can not locate.

 

I found this in the FCRA and probably am confused on what it really means, but I thought it might be a point I could send to the CRA (TU) reporting this, to me it looks like they are saying the CA has to identify themselves, but don't they have to also identify the OC?? I can not get anywhere if the the OC is unlocateable and the CA doesn't respond.

 

My current dispute with TU says just this, and asks them to delete, but I didn't include what I pasted below in the dispute, any ideas on how to help me if this comes back verified again?

 

 

§ 607. Compliance procedures [15 U.S.C. § 1681e]

(a) Identity and purposes of credit users. Every consumer reporting agency shall maintain

reasonable procedures designed to avoid violations of section 605 [§ 1681c] and to limit

the furnishing of consumer reports to the purposes listed under section 604 [§ 1681b] of

this title. These procedures shall require that prospective users of the information identify

themselves, certify the purposes for which the information is sought, and certify that

the information will be used for no other purpose. Every consumer reporting agency

shall make a reasonable effort to verify the identity of a new prospective user and the

uses certified by such prospective user prior to furnishing such user a consumer report.

No consumer reporting agency may furnish a consumer report to any person if it has

reasonable grounds for believing that the consumer report will not be used for a purpose

listed in section 604 [§ 1681b] of this title.

[beli]

Is it possible to get bank statements from 2007 from your original bank? They should have some on microfilm(might be a couple days wait for it). IF this was a true creditor, it should in one of your statements. Should also show how much you paid out every couple weeks in roll over fees. Your bank statement might even show the phone number next to it.

 

You can also try submitting a complaint through your states DFI (one who handles payday loans and such)

 

I did this for one who refused to tell me who they were collecting for, and left threatening messages (saved them etc) and dfi found out who they were supposedly trying to collect for, but as it turned out they were not contracted to collect for said company.

 

DFI is a great resource if all your other efforts have failed.

Edited January 6, 2010 by beli

[BananaTheDog]

Is it possible to get bank statements from 2007 from your original bank? They should have some on microfilm(might be a couple days wait for it). IF this was a true creditor, it should in one of your statements. Should also show how much you paid out every couple weeks in roll over fees. Your bank statement might even show the phone number next to it.

 

 

If it were only that simple, but this is a dangerous area for me, these payday loans led to a chargeoff checking account that is well within SOL and I can't afford to pay it as it's about 2k right now. If I contact them I'll awaken a monster.

[jtoast]

That particular CA has already been busted in NV for collecting for that same lender without a license .

 

http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

you don't happen to be in NV do you?

Edited January 6, 2010 by jtoast

[BananaTheDog]

That particular CA has already been busted in NV for collecting for that same lender without a license .

 

http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

you don't happen to be in NV do you?

 

 

I wish! I'm in a free-for-all state, California.

[BananaTheDog]

That particular CA has already been busted in NV for collecting for that same lender without a license .

 

http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

you don't happen to be in NV do you?

 

 

But what just struck me is you say, "same lender". What lender is it?? I really sincerely don't know who it is, and I want to be able to fight it somehow, do you know? I don't get any results on google, and I've even tried contacting "Easy Loans", three different companies and they all say I don't have an account with them.

[soccrstar]

Is it possible to get bank statements from 2007 from your original bank? They should have some on microfilm(might be a couple days wait for it). IF this was a true creditor, it should in one of your statements. Should also show how much you paid out every couple weeks in roll over fees. Your bank statement might even show the phone number next to it.

 

 

If it were only that simple, but this is a dangerous area for me, these payday loans led to a chargeoff checking account that is well within SOL and I can't afford to pay it as it's about 2k right now. If I contact them I'll awaken a monster.

 

Happened to me too Live and learn. Never used Payday Loans since then

[jtoast]

But what just struck me is you say, "same lender". What lender is it?? I really sincerely don't know who it is, and I want to be able to fight it somehow, do you know? I don't get any results on google, and I've even tried contacting "Easy Loans", three different companies and they all say I don't have an account with them.

 

Don't know....just noticed that both the CA and OC you specified were the subject of that complaint.

[beli]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

Edited January 6, 2010 by beli

[BananaTheDog]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

 

 

It is showing as open account, haven't had much success with TU on that matter, two jackattack letters shot down by them on other TLs, I'm giving a break on the jackattack method until I have a better understanding of it.

 

I am on the California DFI homepage right now, I'll be filing a complaint with them, but I wonder if what Jtoast said might help, even though the case he's refering to is in NV. Jtoast, do you have a link to that case?

[beli]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

 

 

It is showing as open account, haven't had much success with TU on that matter, two jackattack letters shot down by them on other TLs, I'm giving a break on the jackattack method until I have a better understanding of it.

 

I am on the California DFI homepage right now, I'll be filing a complaint with them, but I wonder if what Jtoast said might help, even though the case he's refering to is in NV. Jtoast, do you have a link to that case?

 

It was in their post and quoted a couple times but here ya go http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

While I'm thinking about it, you might want to file complaints in MO as well where their located, or you can hold off to see what what the state of CA says.

Edited January 6, 2010 by beli

[BananaTheDog]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

 

 

It is showing as open account, haven't had much success with TU on that matter, two jackattack letters shot down by them on other TLs, I'm giving a break on the jackattack method until I have a better understanding of it.

 

I am on the California DFI homepage right now, I'll be filing a complaint with them, but I wonder if what Jtoast said might help, even though the case he's refering to is in NV. Jtoast, do you have a link to that case?

 

It was in their post and quoted a couple times but here ya go http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

While I'm thinking about it, you might want to file complaints in MO as well where their located, or you can hold off to see what what the state of CA says.

 

 

Shocking!!! This is an almost identical collection attempt accept I'm in California so I can not enjoy the same rights as that individual did because CAs don't need a license here

 

Secondly, I checked the California DFI and they only resolve issues having to do with California State institutions licensed by them. They will not do anything with this unknown OC, nor is the bank that charged off my checking account licensed by them.

 

At a dead end again...

[beli]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

 

 

It is showing as open account, haven't had much success with TU on that matter, two jackattack letters shot down by them on other TLs, I'm giving a break on the jackattack method until I have a better understanding of it.

 

I am on the California DFI homepage right now, I'll be filing a complaint with them, but I wonder if what Jtoast said might help, even though the case he's refering to is in NV. Jtoast, do you have a link to that case?

 

It was in their post and quoted a couple times but here ya go http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

While I'm thinking about it, you might want to file complaints in MO as well where their located, or you can hold off to see what what the state of CA says.

 

 

Shocking!!! This is an almost identical collection attempt accept I'm in California so I can not enjoy the same rights as that individual did because CAs don't need a license here

 

Secondly, I checked the California DFI and they only resolve issues having to do with California State institutions licensed by them. They will not do anything with this unknown OC, nor is the bank that charged off my checking account licensed by them.

 

At a dead end again...

 

Try filing a complaint in MO then, where the CA has an address, and is located. That would be my next step.

 

stefang31, are you SURE state of CA won't do anything? Or is that what it just says on the website? That's not been my experience on another board I belong to. People have gotten DFI involved and lived in CA. I'd still file that complaint, regardless.

Edited January 6, 2010 by beli

[BananaTheDog]

Have you thought about getting your states dfi involved? (Whom ever handles payday loan complaints/CA complaints)?

 

Also, when you had the account in 2007, did you ever revoke any of your payday lenders authority to withdraw money? (You might be able to file a complaint with OCC if you did, and won't have to fear contacting the bank for your statements)

 

I did post in another form that I belong to regarding the specific company, and asking if anyone knows who this is. Hopefully someone will come up with something... so far no one's responded.. but it does take a while.

 

Problem with your dispute as going the "not mine route" is all Tu is sending to the CA (I can bet money on) is please verify/dob/ssn etc, and that's what the CA is verifying because they have that in their file.

 

You need to attack the TL from a different angle. Such as Amount owed, or "Open account" is it also showing 1month term perhaps?

 

 

It is showing as open account, haven't had much success with TU on that matter, two jackattack letters shot down by them on other TLs, I'm giving a break on the jackattack method until I have a better understanding of it.

 

I am on the California DFI homepage right now, I'll be filing a complaint with them, but I wonder if what Jtoast said might help, even though the case he's refering to is in NV. Jtoast, do you have a link to that case?

 

It was in their post and quoted a couple times but here ya go http://www.fid.state.nv.us/Notices/2009/20...ialServices.pdf

 

While I'm thinking about it, you might want to file complaints in MO as well where their located, or you can hold off to see what what the state of CA says.

 

 

Shocking!!! This is an almost identical collection attempt accept I'm in California so I can not enjoy the same rights as that individual did because CAs don't need a license here

 

Secondly, I checked the California DFI and they only resolve issues having to do with California State institutions licensed by them. They will not do anything with this unknown OC, nor is the bank that charged off my checking account licensed by them.

 

At a dead end again...

 

Try filing a complaint in MO then, where the CA has an address, and is located. That would be my next step.

 

stefang31, are you SURE state of CA won't do anything? Or is that what it just says on the website? That's not been my experience on another board I belong to. People have gotten DFI involved and lived in CA. I'd still file that complaint, regardless.

 

 

I will, the worst they can do is ignore it.

 

After looking at the link jtoast gave me, and looking at the greencard I got back, it looks like the above mentioned CA is a "one man show". The individual mentioned in the complaint in the link is the same person that signed my greencard! I'm gonna make this one fold for sure.

[BananaTheDog]

My second dispute with TU came back verified.

 

My DV letter was never answered.

 

The California DFI responded with some kind of rubbish directing me to the Department of Incorporations, which only handles California companies, this one is in MO.

 

I can not find a DFI for MO, anybody have a link.

 

The problem with the DFI is that I am seeking information about the OC, I don't even know who they are or what state they're in, how would I go about filing an FTC complaint and an California AG on this matter?

[murkmurk]

payday loan companies are crooks themselves

[beli]

My second dispute with TU came back verified.

 

My DV letter was never answered.

 

The California DFI responded with some kind of rubbish directing me to the Department of Incorporations, which only handles California companies, this one is in MO.

 

I can not find a DFI for MO, anybody have a link.

 

The problem with the DFI is that I am seeking information about the OC, I don't even know who they are or what state they're in, how would I go about filing an FTC complaint and an California AG on this matter?

I'd still go ahead and file, and let them know you do not know what state they are in. I'd also file a complaint in the state that the CA license is in. What's the name of the CA by chance? Do you know if they are part of ACA (If they collect on illegal payday loans probably not) but worth a shot looking. Okay I just looked based off the phone number/google search. surprise surprise they aren't members of ACA

 

Have you aslo filed a BBB complaint? You can file one against the CA.

 

Someone on another board gave me this info.. not sure if this is the same info your looking for they said they got it off BBB

 

536 Second Street Suite B

Covina, CA 91723

Tel: (626) 732-3800

Fax: (626) 732-3844

Contact: Adriana Valenzuela - Owner

 

MO Consumer complaints: http://ago.mo.gov/consumercomplaint.htm

Edited January 10, 2010 by beli

[BananaTheDog]

My second dispute with TU came back verified.

 

My DV letter was never answered.

 

The California DFI responded with some kind of rubbish directing me to the Department of Incorporations, which only handles California companies, this one is in MO.

 

I can not find a DFI for MO, anybody have a link.

 

The problem with the DFI is that I am seeking information about the OC, I don't even know who they are or what state they're in, how would I go about filing an FTC complaint and an California AG on this matter?

I'd still go ahead and file, and let them know you do not know what state they are in. I'd also file a complaint in the state that the CA license is in. What's the name of the CA by chance? Do you know if they are part of ACA (If they collect on illegal payday loans probably not) but worth a shot looking. Okay I just looked based off the phone number/google search. surprise surprise they aren't members of ACA

 

Have you aslo filed a BBB complaint? You can file one against the CA.

 

 

Okay, so as I understand it, you're saying, BBB, AG, FTC against the CA? Take a look at their BBB rating, it's an F. I don't think they're concerned with the BBB, but I'll file a complaint anyway.

 

I did file a complaint with the DFI in California, they told me they can't help, they refered me to the Dept. of Corps. and said that they were the ones that licensed Elite Financial Services. But they are mistaken, they thought I was looking for Elite Financial Services in California which is a completely different company, I was very clear in my complaint, but they still just dismissed it.

 

Okay, BBB, AG, FTC all against the CA? Any others to increase the list?

[beli]

Don't forget MO's State AG, Consumer complaints etc.

[BananaTheDog]

Don't forget MO's State AG, Consumer complaints etc.

 

 

I'm itching to file those complaints, but before I do, just wanted to make sure, and forgive the newbie type questions, that they have 30 days to respond to the DV and not 30 business days? I ask because we just went through the holidays...

[beli]

Don't forget MO's State AG, Consumer complaints etc.

 

 

I'm itching to file those complaints, but before I do, just wanted to make sure, and forgive the newbie type questions, that they have 30 days to respond to the DV and not 30 business days? I ask because we just went through the holidays...

Ca's don't have any time frame to answer to the Dv really. Only you have 30 days to answer their dunning letter or the debt will be considered valid (even if it's not)

[jtoast]

You misunderstand. They have unlimited time to respond to the DV ..BUT...as long as the DV was sent within 30 days of initial contact, they have to cease all collection activity until such time as they do respond...this includes reporting.

[BananaTheDog]

You misunderstand. They have unlimited time to respond to the DV ..BUT...as long as the DV was sent within 30 days of initial contact, they have to cease all collection activity until such time as they do respond...this includes reporting.

 

 

Okay, so file all complaints with both my AG and the MO AG, FTC, BBB, print out the complaints and mail everything to TU? This would be the third dispute with TU and I'd think they'd ignore this one?

[jtoast]

That will depends on how you word your dispute. Don't do it online or over the phone. Do it in writing, preferably by hand, and on some funky colored paper so that they can't just scan it into the database. You want to force a person to actually read this. Send it regular mail so it doesn't get flagged for "special processing" like certified mail does.

 

Include the fact that you have DV'd the CRA and received no response and are ccing this information to the BBB, MO AG, FTC, etc. I would also include copies of the greencards in my dispute proving that you have tried to have the CA validate but they refuse to respond.

[BananaTheDog]

That will depends on how you word your dispute. Don't do it online or over the phone. Do it in writing, preferably by hand, and on some funky colored paper so that they can't just scan it into the database. You want to force a person to actually read this. Send it regular mail so it doesn't get flagged for "special processing" like certified mail does.

 

Include the fact that you have DV'd the CRA and received no response and are ccing this information to the BBB, MO AG, FTC, etc. I would also include copies of the greencards in my dispute proving that you have tried to have the CA validate but they refuse to respond.

 

Where I'm getting confused is I should be sending this with all copies of my complaints filed against the CA with the BBB, FTC, and AG and then also threaten TU that I'll be filing complaints against them too with AG and FTC if they fail to delete?