Consumer complaint received 2018-07-19
Company: CASH AMERICA INTERNATIONAL, INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
See Email Below : On XX/XX/XXXX at XXXX XXXX  XXXX XXXX <XXXX> wrote : Find Your Warrant Copy : - CJW - XXXX will be going to release on Friday. 

This is last chance for you This Legal Proceeding will be issued on your Docket Number XXXX XXXX - XXXX with one of Cash Advance Inc. Company to let know you that after making calls to you on your phone number we were not able to get hold of you. So the account 's department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

CASE NO : XXXX XXXX - XXXX Amount Outstanding : {$980.00} We have sent you this warning notification about legal proceedings of XX/XX/XXXX, but you failed to respond on time now its 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 we garnished. 

Do revert if you want to get rid of these legal consequences and make payment arrangement today or else we would be proceeding legally against you and this notification will also send 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. 

XXXX We will we forced to go ahead legally against you and once it proceeds in the Court House, the creditor has entire rights to tell your employer and your references about this issue and the lawsuit will be the next step which will be amounting to {$6700.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

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

We informed you and we have more than 17 kinds of technical proof against you to prove that you are guilty and committed the following frauds. 

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer Fraud. 

Note : This notice provided to you for Cash Advance Inc. and its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International , Inc., and all their respective subsidiaries and affiliates, ( after this ... takes effect collectively called the Cash Advance 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 work under the trade names Cash Advance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX 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 AND 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. 

Note : To make payment you would have to contact our email address XXXX We are informing you that if we will not receive your payment then, unfortunately, we must go ahead further with the legal action against your name Note : - If you ignore this email and failed to take care of this debt than all your bank accounts will we seized through Major Credited Bureau within Seven Business Days that's why your co-operation will we appreciated. 

XXXX XXXX ( Accounts Dept. ) XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not have an account with them. They are making threats and false statements Wage Garnishment is not allow in state of Pa. 
Pay Day loans are not allow in Pa You can not seize a bank account without a court order and they are threatening to do it in 7 days

Company response to consumer: Closed with explanation