Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (AZ)

XXXX XXXX, XXXX and it's Owner is a victim of Check Fraud by an ex-employee and PLS check Cashers of Arizona who did not verify the stopped check and proceeded to give funds to ex-employee who was given the funds via XXXX XXXX XXXX. All of this is explained below, but now I am being threatened by XXXX XXXX a debt collector hired by PLS Check Cashers. They are threatening to impede a negative credit reporting on my personal and business credit for something I did not commit! have a demand to cease Collections letter being sent from my attorney to PLS and XXXX companies as these seem to be form letters. The laws on holders in due course are not a substitute for due diligence by PLS Check Cashers of Arizona., Inc . I have made a call to XXXX XXXX to request to stop this process as well. I have all documentation from everything that I have done to rid this situation with no follow-up from PLS on what was promised to me. 
On Friday, XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) was given paycheck XXXX in the amount of {$680.00} on stated payroll date. 
On Saturday, XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) stated misplacement or loss of check. 
On Sunday, XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) stated to ownership check was not recovered in XXXX or found at home. The owner kept watch on business account periodically through Sunday. 
On Monday, XX/XX/XXXX, Owner of XXXX XXXX, XXXX contacted XXXX bank to advise of loss check and to put a fraud alert on account. 
On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX reconfirmed he could not find the check as he was still looking for it. To which Owner of XXXX XXXX, XXXX called back to XXXX and requested a Stop Payment on Check XXXX. 
On Thursday, XX/XX/XXXX, Chased confirmed stop was in effect for 1 year. Owner of XXXX XXXX XXXX  confirmed stop check information with XXXX XXXX XXXX ( Ex-Employee ). Due to previous check fraud the business suggested to XXXX payroll funds to XXXX XXXX, less the {$25.00} fee she incurred due to stop payment fee imposed by XXXX ( it was all agreed to ). XXXX XXXX stated he has XXXX XXXX, but the business does not. He asked the owner if she would XXXX the XXXX XXXX XXXX and he in turn can XXXXXXXX XXXX him? This information was relayed to XXXX XXXX who agreed. 
On Friday, XX/XX/XXXX, monies were transferred via XXXX at XXXX XXXX  ( confirmation received ) with notes on business XXXX to XXXX XXXX for Pay to XXXX XXXX XXXX lost check XXXX. 
Confirmation from XXXX XXXX, The XXXX at XXXX XXXX, XXXX XXXX XXXX sent XX/XX/XXXX at XXXX XXXX to XXXX XXXX. He was paid {$660.00} on XX/XX/XXXX. 
On Thursday, XX/XX/XXXX, XXXX from PLS at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX called and spoke with Owner of XXXX XXXX, LLC to state there was a check XXXX presented for payment, but they ( PLS ) can not receive funds back for check. And they paid the check out to XXXX XXXX XXXX on Friday, XX/XX/XXXX at XXXX PM during their night check cashing services and never verified the check before distributing funds. It was confirmed the check in question was the same check XXXX. XXXX confirmed the description of XXXX XXXX XXXX, which matched the ( Ex-Employee ) A police report was filed with XXXX Police # XXXX PLS Check Cashers of XXXX, XXXX XXXX dated the due in course form letter for XX/XX/XXXX, which was not mailed until XX/XX/XXXX, and not received by XXXX XXXX XXXX XXXX  until XXXX! Upon receipt Owner of XXXX XXXX, XXXX spoke with XXXX XXXX who signed the letter in due course sent. During which time XXXX XXXX confirmed to send the Owner of XXXX XXXX, XXXX proof of due diligence, specifically : an ID, video proof of payment, and description of suspect in writing by PLS XXXX XXXX of Arizona within 2 3 business days. 

Owner of XXXX XXXX XXXX XXXX has sent a follow up email to XXXX on XX/XX/XXXX, which is noted on the letter signed by XXXX XXXX which does not appear to be reflective of XXXX XXXX email. In addition, Owner of XXXX has called the contact number given in the form letter on XX/XX/XXXX and again on XX/XX/XXXX with no return call by XXXX employee XXXX XXXX. 

I expect that PLS Check Cashers of Arizona., Inc. will promptly cease collection activity and provide Owner of XXXX XXXX XXXX XXXX with proof of abandonment of the claim. 

I have been advised by my Lawyer of my rights to make a truthful online review, to file formal complaints with the Department of Financial Affairs, the Consumer Financial Protection Bureau and to litigate in addition to any additional information for the police file.