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

Advance America, a nationwide provider of payday loans as well as other monetary solutions, has become alert to a unique wave of scams focusing on customers in Maine . These scam musicians, posing as Advance America representatives to gather cash from naive customers, have been in no means associated with the organization. As a result of state laws, Advance America will not presently provide payday advances to Maine residents.

Within the last couple of weeks, in particular, scammers have actually contacted Maine residents claiming they have been pre-approved for a financial loan, then asking them to acquire a prepaid debit card or wire money as a “processing cost” or “good faith deposit.” In other situations, scammers seek to get on “unpaid” pay day loan financial obligation, usually threatening arrest or appropriate action or demanding individual monetary information over the telephone. Scammers went so far as sending residents fraudulent loan papers making use of the Advance America logo design.

“Scammers frequently utilize the trustworthiness of a genuine, respected business to con victims from their cash,” said 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 federal degree and won’t ever use the sort of fraudulent and unlawful strategies utilized by scam designers.”

Advance America urges consumers to recognize the caution signs and symptoms of economic fraud and follow these strategies for avoiding cash advance and commercial collection agency frauds. If people suspect being scammed, they ought to report it instantly to neighborhood police force also to the lending company that the scammer claims to express. If you have been contacted by somebody claiming to express Advance America, please phone 888-310-4238.

Discover signs and symptoms of a fraud

Federal legislation strictly regulates just exactly how bill that is real and loan agents can perform company. The federal Fair Debt Collection methods Act (FDCPA) particularly forbids collectors from being abusive, unjust or misleading in wanting to gather a debt. What the law states especially claims debt collectors cannot threaten customers with arrest or prison time when they do not pay their bill. If somebody claims you can expect to face unlawful prosecution if you don’t straight away wire them cash, it’s most likely a scam.

Scammers could also claim which you have already been pre-approved for the loan, after which need you to obtain a prepaid debit card or cable money as a “processing cost” or “good faith deposit.” Others may actually be identification thieves out to ensure you get your individual or financial information.

How to prevent Scams:

As well as focusing on how loan providers and bill enthusiasts can run, customers should additionally do something to protect by themselves, including:

  • Never ever offer information that is personal as the Social Security number or bank-account information online or higher the telephone without confirming that you’re using the services of a genuine loan provider or bill collector. To validate, phone the establishment right straight right back making use of a understood number, including the quantity noted on your declaration or from the back of one’s credit/debit card.
  • Be dubious of any e-mail with urgent demands for personal information that is financial. If a message demands action that is immediate makes upsetting or exciting false statements, it is most most likely a fraud.
  • Verify business licenses whenever trying to get a loan on the web. Genuine loan providers will show state licenses to their web sites to confirm that they’re full-service, certified lenders complying with state and federal legislation.
  • Never ever wire cash or offer prepaid debit card information up to a loan provider claiming you have got been pre-approved for the loan and must make a short re payment being a “show of good faith.” Genuine loan providers usually do not offer approvals ahead of application and never need faith that is good.
  • Keep anti-virus, anti-malware, and spam email security computer software as much as date on all your valuable computing products.
  • Preserve an archive of most outstanding financial obligation, and consist of loan provider email address.
  • Frequently look at your bank, credit and debit card statements to make certain there are not any transactions that are unauthorized. Likewise, always check your credit history (using Equifax, Experian, or TransUnion) every four months for a basis that is rotating credit history in many cases are one of the primary places where indications of identification theft or fraudulence will show up.
  • If somebody draws near you claiming you borrowed from them a financial obligation, need they give you written evidence of your debt due to the fact statutory legislation calls for – particularly when it really is for a charge a fee do not recognize.


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