A very threatening call to both my daughter and to me about saying I had defaulted on a payday loan and if I did not fax them information and pay them $777 by tomorrow morning they would be arresting me and taking me to court and contacting my employer for garnishing my wages. They said I had to call them immediately or I would pay the consequences and "God Bless you" if that happens. They had a very thick Indian accent and he was giving me my bank account information, etc, etc. I was in tears as it was very unnerving. As I was reading this website it has happened to lots of others just as it did with me almost identical.

this man named james ryder who sounds like he's indian keeps calling my house telling me i owe for a payday loan that i defaulted on. he won't give me any information but he has my information. he wants me to fax my credit/debit number to him or else i would be arrested and fired from my job. i called the phone company and had his number blocked. He was very rude, but i know it was a scam when he won't give you any of the information about the debt. when you call the number someone just answers the phone saying how can i help you without any business name or anything. you can hear a lot of people in the background talking. they are very threatening and could scare you.

I received a phone call on my cell from an "unknown number". I do not answer such calls, so I let it go to my voicemail. A man with a heavy foreign accent left a message stating that, "I or my attorney needed to call him back immediately regarding a case against me". He went on to say, "if I did not call back, then good luck to me". This "threat" made me call back because I was concerned as to the nature of the call. When I called back a female with a very heavy accent answered the phone and asked for my telephone number so she could look up my information. Once I gave her the telephone number, she told me that I took out a payday loan and did not pay it back. I had taken out a payday loan online for $300 almost a year prior and had paid it back in full. I informed her of this and she began to threaten me and was extremely rude. She said if I had paid the loan back, I would not be on their list, that my file would be transferred to investigators the next day, the investigators were going to come to my house or my place of employment, I would have to go to court and pay over $5, 000, ect. When I continued to dispute the matter, she hung up the phone. I became even more concerned and decided to call back. This time a man answered the phone and again I was asked for my telephone number. He began to recite my bank account number, the name of one of my family members and a date that the loan was taken out. I began to wonder if the loan company whom I had dealt with in the past may have made an error, so asked him for the name of the creditor. He could not tell me. I asked for an account or customer number and again he could not tell me. I went so far as to ask what address he had on file for me, he could not tell me. He did say that I owed $1500 and then changed it to $725. I hung up the phone upset and trying to figure out what was going on, then it hit me. Their biggest mistake he made was in regards to the date that I had taken out the so-called loan. I realized that I had not opened that particular bank account until four months after he claimed I received the loan. How could someone give me money into an account that did not exist? I knew then that their was something "fishy" about these people and they had my bank account information. Long story short, I called back several times and went "head to toe" with these people attempting to get to the bottom of what they were trying to do and where they were located. All they would tell me was the name of the company (American Credit Services) and that they were out of California. Prior to hanging up the telephone, they said that an investigator would be at my door to take me away. This happened two days ago. It was still bothering me, so I decided to google the name and here I am. I only wish that I had thought to do this when it was happening. I am very upset! I plan to report this to the police in my area, the BBB and whoever else along the way. Someone needs to stop them and they need to be arrested. Everyone be aware of this and pass this scam information along to others. If it happens to you, dont let it go, say something so that they can not get away with this anymore!

A lady named Sara is who started this whole terrible experience for me, she called and she left a voicemail on my cell phone saying my attorney or I need to call her back asap because of this time sensitive case, do not disregard her call, if we don't call her, all she can do is wish me the best of luck as my case unfolds on me. I called back and spoke to a 'Jimmy Macktell' and he said I owed 'American Credit Services' for a payday loan they deposited in my bank, they had ALL of my information, I mean ALL OF IT, down to my parents names.. Pretty scary, they insisted that i was being charged with 3 felony accounts, Check fraud, violation of federal banking violations, and theft and deception or something like that, it was very hard to understand any of the people i spoke with, because of their accents, but as i was saying they than said that an officer would be coming to my home tomorrow morning to arrest me and take me to court. This was a very long conversation and much more was said than what I'm writing, and these people are very threatening and very rude, I was almost in tears. Come to find out, their scammers and just trying VERY hard to get people to give them money, and whats more scary is that some people have given in. I reported them to the Tucson Police Department, the Federal Trade Commission, the Better Business Bureau of LA, which is where they claim to be located, and the BBB of LA has all their info, they have an F rating with the BBB. I changed my cell phone number also and put a fraud alert on my credit report.

These people told me that me and my family would be behind bars together and that I better find a safe place for my children, and how dare i lie about getting money and than not paying it back, and thats stealing.

DO NOT FALL A VICTIM TO THESE PEOPLE. REPORT THEM IMMEDIATELY! PLEASE.

I have received calls from American Credit Services stating myself or my attorney call immediately . The # on caller I.D. was 941-961-8518 and was not a working #. The # I was told to call was 310-208-3170 . I had to call a few times before I got through. Everyone I spoke with had a heavy accent. The senior attorney David Walker, the chief financial officer Charles Green, and financial service agent Kevin Jefferson. I asked what this was about and was told it was a online loan I defaulted on. David Walker told me it was a 300 dollar loan, Charles Green told me I now owed 1095 dollars. He said my payment option was 595 today on a credit or debit card and 500 in one week. When I told them I didn't have the money I was given one hour to call them back with my information. When I asked where are you located where am I sending the money they wouldn't tell me.They said why are you asking these questions who are you with who is telling you what to say.I told them I was alone if I owed the money I needed to make different arraingements they told I was a bad person for trying to get out of paying my debt.They told me they did a criminal background check with the FBI while I was on the phone and found I didn't have a criminal record. They wanted me to fax a letter stating I wasn't running away from and trying to get out of paying my debt and this would not happen the future. Fax #213-405-5039. I did not call them or fax them they were rude threatened to sue me in court. I talked with someone at the bank they had no record of this transaction and said this was scam, not to give them any info. Later I received a call from them and they left avoicemail on my phone for anther person they were threatening. Very frustating. I hope they don't call again.