Dear Steve,
Out of the blue I received the attached e-mail. Now I know from reading the Fair Credit Act, that this method of notification isn't good. The 1st letter I received said they couldn't reach me about the debt, but the 2nd letter had my name, address, etc. on it. I believe this is a scam.
What do u think about this?
John
Alleged Email
Total Outstanding: - $720.00
Loan Company: - Cash Net USA
Case File Transferred: May 2014
As we put your SSN into our National Checking Database System, we found that you have been never charged for a fraud activity & that is the reason Court has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and SSN. Now if you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount and actual loan amount = Restitution Amount which is $720.00 or else the lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU. If you want to settle this matter today itself, then you can get some percent deduction on the Restitution Amount and you can take care of this issue by making the payment of the Settlement Amount today which is $420.00. You have to send us a promissory note to stop your case file temporarily out of the court house. So get back to us ASAP.
We are very sorry to say that you are going to be legally prosecuted in the Court House within Three days. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges. But as we were not able to reach you so we are sending you a final notification Email. Your case file KLA1523 and since itís a legal matter you will need our help, so reply us right now to make a payment and freeze down this case.
AS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED three SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
Now, this means a few things for you. If you are under any state probation or parole we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
The Factual Basis for the complaints is as follows:
You accepted to return the funds from this aforementioned advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, KLA INC is seeking either of the following remedies: -
All funds to be returned as per terms of initial contract
Dear CUSTOMER as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know when you can pay the requested $720.00 to settle this case.
This is our final notification to you as we found you to be a genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount/ Settlement Amount as decided by the Court House. You have to give us a flat answer without any excuse.
If you want to resolve this matter then reply back to this email immediately during working hours. (Monday to Friday 8.30 am to 8.30 pm EST)
Lucy Smith
RESOLVE OFFICER
NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.
KLA | Privacy | Terms of use
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Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Kivlighan Law Associates
The Commerce Building, 201 E. Commerce Street, Suite 346, Youngstown, Ohio 44503
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Dear John,
There is a special word for emails like this, bullshit.
Mike Kivlighan, Esq. says he's been dealing with people using his name for a long time. He's just the unfortunate guy who some scammer latched on to in hopes it made the email look real. In fact he's a really nice guy who is a victim in this mess just like you.
The email you got sounds painfully similar to the fake debt collector payday loan scheme that has been out and about for years. Basically the fake debt collector threatens people with jail if they don't pay. The reality is there is no underlying loan to begin with. It's all a sham.
If you have experience in dealing with these issues, which most people don't, there are a number of clues that help to reaffirm the bullshit diagnosis.
For example, "National Checking Database System" doesn't even make sense.
"The lawsuit amount which is about $4203.86 WILL BE DOWNLOADED AGAINST YOU," that makes no sense. Downloaded against you?
Then there is the bit in the address, "to bcc: me" which makes it appear a load of people all got the same bullshit email. It looks like you were just included on a big list that was hidden by blind carbon copying recipients.
I could go on, but you get the point.
If they contact you again let them know attorney Mike Kivlighan says he has nothing to do with them or this email. Ask them for their contact information and the name of the agent you are speaking with. They will run for cover or provide you with fake details.
Typically the way they get your information is to buy it from some online payday loan site. The FTC has taken action against such bad actors in the past but it persists.
If you have a credit or debt question you'd like to ask, just click here and ask away.
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