Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers

Online users who have received fake "NCRD (National Credit Restitution Department)y Arrest Warrant and Lawsuit" emails like the one below, which claim that they have been given a chance to settle a PayDay Loan outside of court, should delete the email messages and not follow the instructions in them. This is because the email messages are fraudulent, and are being sent by scammers to trick the recipients into sending them money believing that they will be sued for money owed and their credit history tarnished.

Fake NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit Email Being Sent By Scammers

A Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email

From: NCRDLEGAL - ncrd.legal@gmail.com

Sent: Saturday, May 11, 2019 3:06 PM


Subject: Notice of Appearance issued on May 11, 2019

Hereby you are notified that you have been scheduled to appear for your hearing that will take place in the court of New York, NY 10013, USA in May 20, 2019 at 11:45 am.

You are kindly asked to prepare and bring the documents relating to the case to court on the specified date.. You have the right to hire an attorney. If you don't have / can't afford one then the court will appoint one for you.

The copy of the court notice is attached to this letter. Please, read it thoroughly. The summons document is sent to your physical address as well.

Note: The case may be heard by the judge in your absence if you do not come.

Yours truly,

Greg Kuch



Complaint Case File No – ID530436 Plaintiff/Complainant – NCRD (National Credit Restitution Department)


The legal affidavit states three allegations

Count 1- Violation of Federal Banking Regulation Count 2- Collateral Check Fraud

Count 3- Theft by Deception

Affidavit implies the Plaintiff, NCRD, utilized the EFT which stands for an Electronic Funds Transfer to solicit a payday loan into the Defendant’s bank account. At the time of repayment, the EFT was returned by the Defendant’s bank, Constituting of a worthless Electronic Check.

The affidavit implies that the defendant has taken out this loan with no genuine intensions of returning the funds back to the Plaintiff; as a result, the Plaintiff has written the amount to be loss and declared it to be possessed by Theft under section 55 of the Criminal Code of Conduct 8, Section 8.1.2

The affidavit implies the total pending amount including the principal amount of the loan, and interest rates possessed under the Defendant is a total amount of 2250.00 (USD) which has been reported by the Plaintiff to legally settle the whole account in full which if not legally refunded, will amount to a full penalty amount of 5820.62 USD to be paid at the remanded local Court provided by the Defendant’s local Authorities. Any dispute to penalty prepares the Defendant for a 10-day full incarceration.

The affidavit implies if the Defendant do not have any prior convictions which is not limited to worthless Checks, Grand Theft or Money Laundering, An Arrest Warrant will be issued followed by the necessary disciplinary actions covered under section 55 of the Criminal Code of Conduct 8, Section 8.1.2 if the Defendant fails to fulfill his/her legal obligations before the end of the rectification date.


Complaint Case File No – ID530436 Plaintiff/Complainant –NCRD

Loan Account Number: UN16751936

Total Outstanding Amount: $2250.00

Due Date for Payment: May 15th, 2019

This letter is to confirm that the Plaintiff will accept the amount indicated above as Full settlement and release of the Defendant’s account, provided said payment is received on or before the due date stated above. Upon clearance of payment, the account will be considered as settled in full.

The parties agree to release, discharge, and forever hold the other harmless from any and all claims, or suits, known or unknown, fixed or contingent, whether or not asserted in the above case, as of this date, arising from or related to the event of transactions, which are the subject matter of this case as shown above as case will be downloaded and executed to Court in the Defendant’s State with the corresponding related Warrant if Case/Complaint is not dispatched or closed on or before May 16th, 2019.

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Comments, Questions, Answers, or Reviews

Comments (Total: 23)

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November 18, 2022 at 5:53 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Henniker, Weare, New Hampshire, United States

"Unpaid Loan Account; Lawsuit Filed : 1035/CA25-2392


CAPITAL LAW FIRM <paydaycollections.ncrd@gmail.com>

Nov 17, 2022, 1:23 PM (1 day ago)

to NCRD, bcc: me

Case No #: UCL/66/A0010

Customer ID: #54008540

Legal Charges- Section 19(A), Clause 21(US).

Case Format- Fair Debt Collection Act 811 (FC/SC)

Last Date of Lawsuit: November 21st, 2022

This is to notify you that currently, in default, under its obligations to the Capital Loaner Commission. In the amount of $1085.00.

Despite our previous notice, we still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of ($1085.00) on or before 11/21/2022, we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our client, please find the full debt amount and additional costs below.

Principal Amount: ($400.00)

Late fees Penalty fees & interest: ($685.00)

Total: ($1085.00)

We hereby given (2) two 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 the next (2) two days from the date of this notice we will issue no further notifications. We will immediately proceed with issuing a summons against you,

We would advise to treat this matter with urgency and we believe you will not ignore this notice. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional promptly, we still trust court actions will not be necessary and look forward to receiving payment by return.

A lawsuit over a non-collectable account becomes a part of your permanent credit record and will be a reflection of your ability to pay your debts as they become due. Should you desire to avoid litigation, you should contact us this email immediately and arrange to pay your debt.

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse,

Thank You.


Jordan Moreno

Interstate Creditor Reviser

Collection Agency/Legal Counsel"

I Challengned them on the information for some validation in the matter and who the payday loan company was that was trying to collect, I asked for a pdf file validating the debt to be emailed to me and I have not gotten any further emails since. This company is not legit, they use a gmail account and they have no physical office to be traced to, no phone number or any means of contacting them except their fraudulent gmail account which is listed in this email


April 22, 2022 at 6:19 AM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Owosso, Michigan, United States

I got one to resolve the account by email. Wouldn't give me a phone number and to pay have to get a one vanilla card. They said if I didn't pay had to pay the full amount instead of a smaller amount. The emails look real with the right amounts.


June 30, 2023 at 1:52 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Irving, Texas, United States

OH you are with the scammers! lMAO!


October 28, 2021 at 12:29 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Downtown Redmond, Redmond, Washington, United States

When I asked for a phone number they got ignorant with me and didn't provide a number.


October 9, 2021 at 7:40 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Downtown Tulsa, Tulsa, Oklahoma, United States

Been receiving the same thing. They won't send me any info on paper


October 4, 2021 at 4:42 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Marion, Indianapolis, Indiana, United States

I keep getting this email saying if I don't pay 1000 dollars I will be locked up and be put on a blacklist to where I can't get a job. I been asking them for some paperwork and they keep saying the courts have it I just don't know what to do at this point.


June 30, 2023 at 1:53 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Irving, Texas, United States

Why would you do anything when its a scam?


February 1, 2021 at 5:01 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Nassau, Hicksville, New York, United States

I just received this email today and suspect it is from the same individuals trying to scam others. I do not have any personal payday loans, nor any personal loans for that matter, so I know this is fake. Additionally, I Googled US Cash One LLC and have not found any company under that name and if this were a true document, I seriously doubt it would contain the number of grammatical errors it has.

Dear Debtor,

Case File Number #: USC9867/MD-9243

Due Amount: $1045.00


Please take this notice that your account is due with an outstanding amount of $1045.00 with our client US CASH ONE INC.LLC (Verified Collection Group). We have to take legal action if you ignore this email.

It has brought to our attention to collect from you the entire balance of a debt you owe to US CASH ONE INC. as of Today the amount of the debt is $1045.00.


If you want to resolve this matter without a lawsuit and further damaging your credit rating, you must email within 2 days of the date of this letter; either pay $490.00 by Today against the balance you owe or email us and work out arrangements for payment with it ($1045.00). If you do neither of these things, we will refer this matter to an attorney to file a lawsuit against you for the collection of this debt.

Federal Laws give you 15 days after you receive the letter to dispute the validity of the debt or any part of it. If you do not dispute it within that period, we will assume that you deem it valid. If you do dispute it –by notifying us in writing to that effect. We will as be required by the law; mail you proof of the debt. And if within the same period, you request in writing the name and address of your original creditor. If the original creditor is different from the current creditor Cash Advance, we will furnish you that information as well. The law does not require us to wait until the end of the 15-day period before suing you to collect this debt.


Jordan Miller

Settlement Team


January 31, 2021 at 1:09 AM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Factoria, Bellevue, Washington, United States

I have just received a email from

NCRD Legal Department • acs.lawdepartment.debt.usa@gmail.com

Dear Customer,

We regret to inform you that due to your unpaid debt amount to National Credit Restitution Department (NCRD), from today January 30th, 2021 we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore, you will be served a subpoena to appear at court where you can present your defense.

Failure to appear or pay the due amount shown within 2 days from the date on the notice may result in additional fees and legal action. Court may also refer your case to an outside collection agency to pursue wage garnishment and bank levies, including referral to the Franchise Tax Board for collection and/or interception of your income tax refund.

If the Court is constituted of General Claims Procedure Act 1923 the Court has following jurisdiction—

(a) to conduct committal proceedings for a charge of an indictable offence;

(b) if the penalty is for 1 offence—5 years; and if the penalty is for more than 1 offence—10 years; or a fine that exceeds— in the case of an offence under the IC3 Act 2013 being heard by an Judge—$5,000; or in any other case—$14 000.

Three allegations are been charged as under:

1) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation

2) Under Section 37 U.S.C 2342 Collateral Cheque Fraud

3) Under Section 42 U.S.C 5619 Theft By Deception

Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.


If you wish to settle the outstanding amount, please do not hesitate to contact us back immediately.


Jordan Miller

Sr. Investigation Officer

(National Credit Restitution Department (NCRD)


February 15, 2021 at 2:24 PM by
Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers
an anonymous user from: Richland County, Columbia, South Carolina, United States

I received the same one. Is this real or scam


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Pay the safest way

Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to $50 if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly.

Guard your personal information

In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Be careful of the information you share

Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with

Know who you’re dealing with

Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Check your accounts

Regularly check your account transactions and report any suspicious or unauthorised transactions.

Don’t believe promises of easy money

If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, it’s probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true.

Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

Before providing any personal information, such as your date of birth, Social Security number, account numbers, and passwords, be sure the website is secure.

Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

Strong passwords are critical to online security.

Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

Update the operating systems on your electronic devices

Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • Identitytheft.gov: If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at www.identitytheft.gov. This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

  • say they’ve noticed some suspicious activity or log-in attempts — they haven’t
  • claim there’s a problem with your account or your payment information — there isn’t
  • say you need to confirm some personal or financial information — you don’t
  • include an invoice you don’t recognize — it’s fake
  • want you to click on a link to make a payment — but the link has malware
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

About Online Threat Alerts (OTA)

Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

Online users can help by reporting suspicious or malicious messages or websites to OTA. And, if they want to determine if a message or website is a threat or scam, they can use OTA's search engine to search for the website or parts of the message for information.

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Fake "NCRD (National Credit Restitution Department) Arrest Warrant and Lawsuit" Email Being Sent By Scammers