Liberty Discount Club sent an unauthorized check for $34.19 to my account, causing overdraft fees of $34.00; I have never heard of this company and do not know what this is for. I called them they gave a cancellation #, but can't access their website to process a refund. I will have my bank do a "charge back".

On 11/27/09, I received two messages from a Jane Samuel @ 949-202-4672. On 11/28/09, I called the number and when the person answered, he stated Law Office. I asked what was the Law Firm name and he stated just listen. He stated that a lawsuit was filed against me for not repaying a loan. He would not give me his name and he was yelling. I told him to not yell at me. He put me on hold and someone by the name of David Jones came to the phone. These individuals are of Middle Eastern decent, but have american names. He told me that I took out a loan on 11/2008. I asked what date in 11/2008 and he stated that he did not know. He told me just listen. He stated that his client National Advance hired his law firm to collect on a law. He stated that I had committed Federal banking laws, wire fraud, and theft by deception. I told him that I did not take out a loan. They had all of my personal information such as my name, address, date of birth, social security number, email address, my banking information, my father's name, and my sister's name. He stated that $450.00 was transferred into my account on 11/2008. He stated that they have been trying to deduct the money from my account. I told him I did not take out a loan and I did not know what he was talking about. He told me that I was a lying. I had sent an email stating that I was not going to pay this money back and do what you need to do. I told him that I did not send an email to anyone. I asked to whom did I send the email and he could not tell me. He stated that on Monday morning, I need to go to my local courthouse and take a total of $8, 947.99 to repay this loan and all of the fees. Someone in the background was yelling and I repeated my to yell at me and David Jones stated that he had a mental disorder. I replied that if he has a mental disorder, he should not be working with people. He replied that he will take care of that. He asked for my attorney's name. I told him that I will have my attorney call him and I will fight this. I called back to see how these individuals are answering the phone and the lady stated Crime Management Division. I asked for the address and she stated that I did not need the address. These individuals could not speak english well and insisted that I be at the local courthouse on Monday morning with the money. I have filed a compliant with the Better Business Bureau and the Federal Trade Commision.

Yo

I HAVE RECEIVED A DEDUCTION OF $19.95 OUT OF MY BANKING ACCOUNT AND I WOULD LIKE TO KNOW WHY. I DID NOT AUTHORIZE THIS AT ALL. I HAVE NO IDEA WHO THESE PEOPLE ARE, AND I DID NOT APPLY FOR ANY KIND OF FRAUD PROTECTION. I BETTER GET A REFUND OF MY MONEY, I WILL SEND A COMPLAINT TO THE BETTER BUSINESS BUREAU, AND THE FCC.

I've received this email and reply, thank god i looked up the internet and read about stolen identity. So I think I should forward this email that i received for your action.


"Mr. David Oliver Desk" <[email protected]
FROM THE DESK OF
MR. DAVID OLIVER
MICROSOFT AOL PREFERRED AGENT
Tel: +44-703 193 6872
Fax:+44-702-897-9987

ATTN: *****************

With reference to your last email it is my greatest pleasure as the accredited preferred agent attached to your winning file with lucky numbers 14-18-25-39-53-47 (10), wish to let you know the exact nature on your verification information which you have submitted to my office.

With regards to that, your winning funds of £ 1, 000, 000 GBP have been approved by the Microsoft AOL Co-operations and have been made out in full with your complete name as it appear on your claims information. However, with this development directions shall be given to you how to proceed further to making claims for your winning funds from the transferring bank to your home account.

In this regard, we have informed you in our previous email notification on your winnings, payment of your lottery funds will be done via the transferring bank because of avoidance of fraudsters because they derive every means of informing you on delivery through courier company and this will nor be done as soon as payment have been made from your end for the delivery of your cheque. In this view, transfer of winnings will be done within 48 hours as soon as contact has been made with the transferring bank.

Provide the bank with the under listed information of yours for swift transfer of your winnings to your home account:

Your Complete Name:
Your Complete Home/Office Address:
Your Telephone/Fax Number
Your Home Banking Information to effect transfer of your winning funds.
A Scan Copy of your drivers license or passport or any valid ID of yours.

You are expected to contact the payment bank with the above information of yours in order for them to carry out the transfer of your winning cheque funds desired home account. Please note, your information which you forwarded to my desk has been sent to them as well.

THE TRANSFERRING BANK CONTACT DETAILS:
NAME:CREDIT SUISSE BANK INTERNATIONAL
Head Office: 163 The Burroughs, Hendon NW4 4BG UK
Email: [email protected]
TEL:+44-702 404 3242
FAX:+44-871 503 3587
Fax:+44-871 528 8968
CONTACT OFFICER: Mr. Derrick Lambert

Upon contact with the payment bank with your details do get back to me with update on every dealing you are having with the bank. I advise you follow every instructions been given to by the transferring bank so that transfer of winning funds can be carry out under the standard time of transfer which happen to be 48 hours from the transferring bank to your home account in your country.

NOTE: IT IS IMPORTANT WHEN CONTACTING THE TRANSFERRING BANK, YOUR INCLUDE YOUR TICKET NUMBER: {008795727498} FOR QUICK RESPONSE FROM THE BANK IN REGARD TO THE TRANSFER OF YOUR WINNINGS TO YOUR CONFIRMED HOME BANK ACCOUNT.

Await your response and congratulation once again on your lucky winning.

Yours in Service
Mr. David Oliver
Microsoft AOL Preferred Agent
Tel: +44-703 193 6872
Fax: +44-702-897-9987