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Beware of "Advantage Credit Union Debt Legal Notice" Scams

2018-02-14T15:20:49 -  +
Beware of "Advantage Credit Union Debt Legal Notice" Scams

Online users who have received "Advantage Credit Union Debt Legal Notice" email messages like the one below, which claim that they have been given a chance to settle a debt outside of court, should delete the email messages and not follow the instructions in them. This is because the fake email messages are fraudulent, and are being sent by online scammers to trick the recipients into sending them money believing that they will be sued for money owed and their credit history tarnished.

Please continue reading below.

The "Advantage Credit Union Debt Legal Notice" Scam

From: Administrative Department [mailto:careadvantagecreditunions003@outlook.com]

Sent: Wednesday, February 14, 2018 1:51 PM

Subject: LEGAL NOTICE

LOAN INFORMATION:-

Company Name: Advantage Credit Union.

Case File Number: (Case file #UD-192170K)

Due Amount: $1280.00

Dear:

S.S.N:406251466

This is to notify you that is currently in default under its obligations to Advantage Credit Union. In the amount of $1280.00

We hereby given Five days of our intention to commence County Court action to recover the debt shown below. If we do not receive payment of this amount within seven days from the date of this notice we will issue no further notifications. We will immediately proceed with issuing a summons against the party shown below for the said amount.

Our company name is Advantage Credit Union. Which stands for the association of original creditor and Advantage Credit Union. Is parent Payday Loan Company who owes and operates about more than 442 payday loan websites all over the USA.

This is all about an internet payday loan which was borrowed by you from one of our sub payday loan company. There are so many payday loan websites like Net Loan USA, Fax Free Cash, Cast Net USA, National Payday, Cash Advance expert, Cash Today, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan.

I have all the proofs with all of your personal details in the affidavit with me. So before it gets downloaded inside the court house with the legal procedures on your name and on your social security number with hampering on your credit ratings so Just reply me back whether you want to put a hold on this case file and settle it outside the court house with the settlement amount and close it or else you want to take this matter inside the court house with the penalty fees and judge fees and court house fees and you may end up in a legal mess.

If you do not appear at that time and place, judgment with costs may be made against you in your absence.

In event of this happening:

ØYou will incur court costs

ØYou will incur further interest charges as per our Terms and Conditions of Trade and

ØYour details will be passed to major credit reference agencies. They will make adjustments to your credit rating, which will affect your ability to raise credit in the future.

We have repeatedly advised you of your long overdue balance in the amount of $1280.00since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit you have to contact us within the next 24 hours. This will be your final opportunity to resolve matters without the expense of court proceedings.

What you want to do with your case file? Whether you want to settle the matter inside the court house with the legal procedures or you want to take care of this matter outside the court house by paying the settlement amount back to the company?

IF once your case file gets downloaded inside the court house then you have to pay $3589.27 inside the court house including Court fees, Judge Fees, Attorney fees, extra penalty and lots of more.

I just want your intention on this case file that do you want to put a hold on this case file or should I process it inside the court house?

If you have any questions or wish to discuss this matter, please us Email the undersigned immediately.

Thank you for your prompt attention to this matter.

COURT-ORDERED DEBT COLLECTIONS

Cc: Debtor's Higher Level

CC: Collection Agency/Legal Counsel

DISCLAIMER:-

The information contained in this communication is privileged, confidential and is proprietary. This email is solely intended for the use of the addressee. Information in this mail is for FCI (Financial Crime and Investigation Department) Usage only. Any use to other than the addressee is misuse and infringement to Proprietorship of FCI (Financial Crime and Investigation Department). If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this email or any action or omission taken by you in reliance on it, is strictly prohibited and may be lawful. If you have received this email in error, please notify us immediately.

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Comments, Questions and Reviews ✍
(Total: 15)

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  • Posted: Aug 2, 2018 at 6:19 PM by an anonymous user from or near: Carlisle, Pennsylvania, United States

    I have gotten emails from them threatening me with legal action with a law suite n putting a freeze on my social security number and messing with my ssid. now today I get an email that they have turned my law suite over to an attorney n going to court.
    I need to know if I have to worry about this.

    delete


    • Posted: Aug 2, 2018 at 8:39 PM by info

      Reply to this comment with a copy of the email. We will check if the email is legitimate or not.

      delete


  • Posted: Jun 7, 2018 at 11:48 AM by info

    Here is another scam:

    -- -- -- -- -- --
    From: Administrative Department careadvantagecreditunionsa@gmail.com
    Sent: ‎Wednesday‎, ‎June‎ ‎6‎, ‎2018 ‎3‎:‎37‎ ‎PM

    Dear:

    Sorry your case file submitted inside the court house and court submitted next 24 hrs.

    We have sent you this warning notification about legal proceedings of Today but you failed to respond on time, now it’s high time if you failed to respond in next 24 hours we will register this case inside court house. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict Action against you. Your salary wages will be garnished.

    We are informing you that this is your final reminder Email and opportunity to make payment. Unless we have your check for the amount $1280.00 within the next 24 hours, or an acceptable proposal for payments is obtained forthwith, we shall immediately commence legal actions against you. If the matter goes that far, you will also be liable for all attorney fees and court costs .such and actions will also adversely affect your credit ratings.

    You can settle this account outside the court house by paying back to the company. IF you want to settle this account without any legal procedures we can provide you a payment arrangement to resolve this matter.

    1) We will accept 4th Installment $320.00 payments every other weekly.
    2) 2nd Installment $600.00 payments every other weekly.
    3) Settlement one time full payment: $850.00 Friday to close your case file.

    So, we are just giving you a last chance that if you just make a payment by today then we will close this account as paid in full with zero balance. We do hope that you will work out with this offer or else we won't be able to help you.

    NOTE : KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLEMENT AMOUNT AND IF NOT THAN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST YOU INTO THE COURT HOUSE

    Thank you for your prompt attention to this matter.

    Sincerely,
    Advantage Credit Union.

    delete


  • Posted: May 25, 2018 at 1:59 PM by info

    Here is another scam:

    "From: Administrative Department
    Date: Thu, May 24, 2018, 5:24 PM
    Subject: COURT NOTICE

    Attention: Demetrius Lovett

    Bank A\C 674555

    Bank Name: Compass bank

    This is the last and final chance for you by Advantage Credit Union.

    This Legal Proceedings issued on your Docket Number UD-192170K with one of Advantage Credit Union. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Advantage Credit Union has decided to mark this case as a flat refusal and press legal charges against you.

    CASE NO: UD-192170K

    Current Balance: $1280.00

    We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer:

    1. One lump sum of $850.00 due and payable on or before May 25th, 2018. This is a 20% reduction of the outstanding principal balance.

    Or:

    2. Three Payments of $380.00, beginning (no later than) May 25th, 2018. This is a 15% reduction of the outstanding principal balance.

    We have sent you this warning notification about legal proceedings of May 25th, 2018 but you failed to respond on time now it’s high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.

    Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

    You can Email back to get the payment mode too.

    Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement.

    Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

    Note: This notice is provided to you on behalf of Advantage Credit Union. Company and its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the “Advantage Credit Union. Company Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,CashNet USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ezmoney Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “Your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.


    WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

    TERMS & CONDITIONS YOU AGREED.

    By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

    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, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is 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 co-operation."

    delete


  • Posted: May 9, 2018 at 5:24 PM by an anonymous user from or near: Spearfish, South Dakota, United States

    I received emails from them as well. they had my checking account number. I closed my account and reopened a new one.

    delete


    • Posted: Aug 6, 2018 at 3:36 PM by an anonymous user from or near: Harvest, Alabama, United States

      They are scammers from Nigeria, do not answer them! Do not send them money! Report them to the FBI! I did!

      delete


    • Posted: Jul 28, 2018 at 7:24 PM by an anonymous user from or near: Carlisle, Pennsylvania, United States

      I received an email from them also with the name of my bank n account. like the person before me I had the account closed and opened another. And, they had threatened to put my ss# on hold by the federal government and my ss number with hampering my credit ratings and file a case against me with the courthouse.

      delete


  • Posted: May 2, 2018 at 7:04 PM by Greghux from or near: Ronkonkoma, New York, United States

    I received an email from careadvantagecreditunion@gmail.com
    Worried because the ss# they put on it was very close. Wondering if I should file for a new number or not. Would like to know who to call about this. Any help would be greatly appreciated.

    delete


    • Posted: May 2, 2018 at 11:54 PM by info

      File an identity-theft report with your local police. The police report will help clear your records and your name and is necessary if you want to apply for a new Social Security number.

      delete


  • Posted: Apr 5, 2018 at 10:35 AM by info

    Here is another scam:

    --- Forwarded message ---
    From: Administrative Department
    Date: Thu, Apr 5, 2018, 7:00 AM
    Subject: Account collection settlement notice

    Dear:

    Bank Name: BANK OF AMERICA, N.A.
    Bank Account Number: 501021237021

    At this time your case file has been marked as a primary suspect if I send you something in a writing its deformation of character, as well as it was clearly mentioned in the contract paper between you and the company that if person fail to repay loan in a stipulated time period then company is not liable to send you any kind of written documentation like fax -certified mail services under the FDCPA rules and regulation under the section us low 1947 a/TH you need to check it out or you can also ask to any federal lawyer.

    I am trying to help you but you are being difficult.

    What do you want?

    Just tell me when you are going to make the payment to settle the matter outside the court house and the amount so that I can be in a position to put a hold on your case file.

    Now I want to know that do you want to resolve this matter outside the court house or should I submit your case file inside the court house.

    Reply me back immediately so I can be in a position whether to put hold on your case file or to proceed it inside the court house.

    Thank You.

    delete


  • Posted: Mar 30, 2018 at 6:19 AM by info

    Here is another scam:

    ----- Forwarded Message -----
    From: "Administrative Department"
    Sent: Thu, Mar 29, 2018 at 2:13 PM
    Subject: Legal Action take Notice

    Dear:

    Bank Name: BANK OF AMERICA, N.A.
    Bank Account Number:

    This is to notify you that is currently in default under its obligations to Advantage Credit Union.in the amount of $1,280.00.

    Our records indicate that payment on your account is overdue in the amount of $1,280.00.

    I have been asked to review your seriously past due account.

    This invoice is long past due and your refusal to remit payment is beginning to concern us. Is there some reason that you feel you have no responsibility to pay this debt?

    Despite our earnest efforts to resolve your past due account, payment on this account has still not been made.

    Please advise us if any discrepancy exists which would explain your lack of response.

    Unless payment is received within 1 days, I will have no option but to existing we also used a credit score developed by us in making our credit decision, you may experience difficulties in obtaining a loan in the future Few lenders report to the traditional credit reporting agencies. Instead, they deal with specialized “subprime” agencies such as Tele Track and DP Bureau.

    Naturally, we want to help you out in any way we can, since you've been a good person. We think we can extend some help with your credit account with us.

    If there is a problem about the enclosed bill, won't you please Email me at the give below, so that we can discuss the situation. Whatever the source of the problem is, we are in the dark until we hear from you.

    Here's how we can help you. Normally, when you pay within 1 days, you receive a [20%] discount.

    We are prepared to proceed with legal action. However, my clients would prefer to give you one last opportunity to make payment and avoid legal action. Accordingly, please remit full payment within one (1) days of this letter,

    I know you would like to maintain a good credit– and so I'll look forward to receiving your payment

    Therefore, demand is hereby made upon you for full payment of the entire balance due on said note in the amount of $1,280.00, including interest accrued to date.

    If the entire amount due is not received on or before tomorrow, I shall instruct legal counsel to commence legal proceedings against you.

    Please carefully review the note, which obligates you to pay in addition to the principal balance and interest, costs of collection and attorney's fees.

    Your prompt attention to the foregoing is anticipated.

    If you have any questions or wish to discuss this matter, please Email the undersigned immediately.

    Thank you for your prompt attention to this matter.

    Sincerely,
    Advantage Credit Union.

    Notice of Confidentiality: All content and information included and/or attached in this electronic mail transmission is considered to be confidential and is intended for the addressee only. All content is considered to be TASC Inc exclusive copyrighted property. Any unauthorized reproduction, distribution, publication, or disclosure is expressly prohibited without the express written consent of the company. If you believe this e-mail message has reached you in error, please notify the sender by replying to the transmission. Please delete this message without disclosing or copying it.

    delete


  • Posted: Mar 28, 2018 at 10:42 AM by info

    Here is another scam:

    "From: Administrative Department
    Sent: Friday, March 23, 2018 12:51:32 PM
    Subject: Court Notice

    Dear:

    Bank Name: JPMORGAN CHASE BANK NA
    Bank Account Number:
    Case file #UD-192170K)

    Sorry your case file submitted inside the court house and court submitted next 24 hrs. FBI. Headquarters.

    WE HAVE WARNED YOU SO MANY TIME AND YOU HAVE DECIDED TO IGNORE OUR E-MAILS OR BECAUSE YOU BELIEVE WE HAVE NOT BEEN INSTRUCTED TO GET YOU ARRESTED, AND TODAY IF YOU FAIL TO RESPOND BACK TO US WITH THE PAYMENT THEN, WE WOULD FIRST SEND A LETTER TO THE MAYOR OF THE CITY WHERE YOU STAY AND DIRECT THEM TO CLOSE YOUR BANK ACCOUNT UNTIL YOU HAVE BEEN JAILED AND ALL YOUR PROPERTIES WILL BE CONFISCATED BY THE FBI.

    AS OUR DIRECTOR HAS ALREADY BEEN NOTIFIED ABOUT YOU GET THE PROCESS COMPLETED YESTERDAY AND RIGHT NOW THE WARRANT OF ARREST HAS BEEN SIGNED AGAINST YOU AND IT WILL BE CARRIED OUT IN THE NEXT 8 HOURS AS STRICTLY SIGNED BY THE FBI DIRECTOR.

    YOU NEED TO DO EVERYTHING POSSIBLE WITHIN TODAY AND TOMORROW TO GET THIS PROCESS DONE BECAUSE I LEARN THAT YOU WERE SENT SEVERAL E-MAIL WITHOUT GETTING A RESPONSE FROM YOU, PLEASE BEAR IT IN MIND THAT THIS IS THE ONLY WAY I CAN HELP YOU AT THIS MOMENT OR YOU WOULD HAVE TO FACE THE LAW AND ITS CONSEQUENCES ONCE IT HAS BEFALL ON YOU.

    SEND THE PAYMENT AS SOON AS POSSIBLE. MAKE SURE THAT YOU DIDN'T HESITATE MAKING THE PAYMENT DOWN TO THE AGENCY BY TODAY SO THAT THEY COULD HAVE THE CERTIFICATE ENDORSED, SIGNED AND STAMPED IMMEDIATELY WITHOUT ANY FURTHER DELAY.

    If you wish to settle the outstanding amount, please do not hesitate to contact us by email or call undersigned immediately, (818) 921-7272.

    Reply immediately with your final answer so I can move on further on the bases of your answer.

    Thank You."

    delete


  • Posted: Mar 28, 2018 at 10:22 AM by info

    Here is another scam:

    "From: Administrative Department
    Sent: Wednesday, March 28, 2018 2:50:58 PM
    Subject: FINAL NOTIFICATION

    Dear: Account repressive

    Give me your final intention about this case file so that I can be in a position whether to put a hold on your case file or to proceed it inside the court house As the issue at hand is extremely time sensitive.

    If once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to $3589.27

    Reply immediately with your final answer so I can do further legal process on your case file.

    Thank you."

    delete


  • Posted: Mar 27, 2018 at 4:04 AM by info

    Here is another scam:

    --- start of scam --
    From: Administrative Department [mailto:careadvantagecreditunionsit@outlook.com]
    Sent: Friday, March 23, 2018 11:14 AM
    Subject: Court Notice

    Dear:

    Bank Name: GOLDEN 1
    Bank Account Number: 0074181096
    (Case file #UD-192170K)

    Sorry your case file submitted inside the court house and court submitted next 24 hrs.

    We have warned you so many time and you have decided to ignore our e-mails or because you believe we have not been instructed to get you arrested, and today if you fail to respond back to us with the payment then, we would first send a letter to the mayor of the city where you stay and direct them to close your bank account until you have been jailed and all your properties will be confiscated by the fbi.

    As our director has already been notified about you get the process completed yesterday and right now the warrant of arrest has been signed against you and it will be carried out in the next 8 hours as strictly signed by the fbi director.

    You need to do everything possible within today and tomorrow to get this process done because I learn that you were sent several e-mail without getting a response from you, please bear it in mind that this is the only way I can help you at this moment or you would have to face the law and its consequences once it has befall on you.

    Send the payment as soon as possible. Make sure that you didn't hesitate making the payment down to the agency by today so that they could have the certificate endorsed, signed and stamped immediately without any further delay.

    Reply immediately with your final answer so I can move on further on the bases of your answer.

    Thank You.

    delete


  • Posted: Mar 14, 2018 at 6:10 PM by an anonymous user from or near: Chicago, Illinois, United States

    I have received this email so what canI do, just delete it. I gave them a card number that don't work so I could make sure if this is fake or not

    delete


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