I don't know why they try to mess with my account but the better business bureau will be notified as soon as possible because this is happen every where in America

USA CREDIT TOOK MONEY OUT OF MY ACCOUNT AND WITH OUT MY AUTHORIZATION TOTAL OF $149.95. THIS IS A FRAUD. I CALL MY BANK AND ASK WHO AUTHORIZED TO TAKE MONEY OUT OF MY ACCOUNT. SOMEONE HAD CALLED AND ASK FOR MY NAME AND I ANSWER YES THIS WHO IT IS YOU ARE ASKING FOR AND THEY HUNG UP ON ME......7/21/11 NEXT THING YOU KNOW. I CALL TO CHECK ON MY BANK ACCOUNT. MONEY WAS TAKEN OUT OF MY ACCOUNT AND LEFT MY ACCOUNT NEGATIVE.

USA CREDIT YOU ARE A LOOSER, PEOPLE HAD WORKED HARD FOR THEIR MONEY AND YOU ARE STEELING FROM THEM. I WANT MY MONEY BACK. AND I AM GOING TO GET MY MONEY BACK...............WE WILL FIND YOU OUT,  YOU WONT GET AWAY WITH THIS...........GOD WILL STRIKE YOU DOWN...............................FOR TAKING ADVANTAGE OF PEOPLE....!!!!!!!!!!

this also happened to me with this freaking company...they deducted from my bank account now I'm way overdraft...I called them and they put me in hold for like 20 min. then they did the three way party calling to a freaking bank that was not even the bank where they deducted the money from...is there any way we can report this company USA CREDIT IS A SCAM !!!!

they just took me too i will get my money back one way or another!!!! i am pissed

I applied for a payday loan, and somehow i got signed up for this bullcrap. Anyone know how to dispute the charge.

File a complaint with the Better Business Bureau. Just do a search for BBB. Good luck.

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

800-685-9354 belongs to USA Credit, 5887 Glenridge Drive, Suite 400, Atlanta, GA 30328, their number in Atlanta, GA is 404-766-0875. The business stole $149.95 from my checking account without my authorization. I have filed a complaint with my bank and with the Better Business Bureau.

so what u now have to do is freeze the account, and just open up a new account cause they already have ur account info so u need to start over

i went in to my bank thinking i had money there i had just opened up the account and onloy had put $100 in my account so far, so i went in and asked to withdraw money then the teller telles me well ur negaitive $89, i was like umm okay how the hell can that be ive onluy had the account for 7 days just got my debit card 2days ago and still havnt recieved my pin so my card isnt even activated yet, well it appeared to be USA credit well just today i got curious and looked up the number and company the bank toled me to contact and its a freakn SCAM so not only did the take my $100 they overdrafted my account why hasnt this scam been stoped??? well im gunna dispute the transaction cause i didnt authorize it i mean who would ever authorize anyone to take money out of there acc knowing that theyll overdraft???? so my advise is to dispute the charges ya itll take 3wks but still and after you do that close out ur acc so this doesnt happen again cause thats what it looks like they do...

8006859354 This is the toll free number for all the mass confusion

I applied for what I thought was a credit card with this company.  I reported them to the better business buerual as well.  They took 149.95 out of my account they also took 19.95 out of my account. When I talked to the lady on the phone they told me that the 19.95 could be taken off.  They refunded me 99.00 of the money from the original 149.00 and told me that i could get 49.00 back and it wouldn't effect my credit if i took the 49.00.  An other words taking the less of the sum would put a block on my credit as closed by consumer wich would hurt my credit.  Then I took the 99.00 instead and told them to go you know where. She pleaded with me for the money. I took the 99.00 and had then take off the elite plan for car service they charge a month.  6 months latter they started to bill me the 19.95 again. www.usacredit.com

Hello ,
          Am Martins.A legit loan lender.Are you into debts? Do
you have a bad credit?Are you financially down.I give out loans at low
interest rate of 3%.I give out loan to Business,Auto and personal loan
to Men and women who are into Business transaction, I give out long
term loan for ten to fifteen years your interest in this you can as
well tell me the amount you need so that I can send you the terms and
condition and monthly repayment that if you are realign interested in
getting a loan from me,hope to here from you soon.via :
jmartinsloanfirm@googlemail.com

             LOAN APPLICATION FORM
Name:
Address:
Nationality:
Country:
Zip/Code:
Date of Birth:
Gender:
Marital Status:
Amount Required :($) US DOLLARS
Purpose for Loan:
Phone No:
Loan Term/Duration:
Net monthly income: $

Regards
Mr.Martins

Am Mr.harry.A legit loan you financially down.I lender.Are
to give out loans at low interest rate of 3%.
The financial Service Announcement, we offer loans to all
in need.via: harrydavesloanfinance@gmail.com

You have to be very careful when applying for them loans, They did me the same way and I cancelled it and they gave me my money back. Just be sure to read the terms and conditions cause some of those places does charge a fee to borrow money.

took money from checking account no idea why

back my money  &^^%$#*

I don't understand why this company tried to withdraw from my account 99.00 dollars when they didn't even approve any loan fro me. I need them to reimburse me 35.00 overdraft posted to my accont because of them. Why are they behaving like that?

No reason at all.

jairo

i woke up this morning to 149.95 taken from my account luckley it was 0 balance but what my bank told me since it was pending i can freeze my account and set up a new one.  thats the only way what ever happen cant happen again.  new account number

just found out what this u s a credit co is and glad to put a freeze on my accounts so they can't get any more money!!!!!

They took $99.00 out of my bank without permission.  I am disputing it.  I did not get a loan from them.  They just stole my money.  Am claiming fraud.  The number listed on the transaction is 800-685-9354.

The keep trying to take 149.99 out of my bank account.  I do not have the funds and I am on limited income.  my rent is $789.00 a month and I do not have the extra money I only receive $854.00 a month.  They keep charging my back account and I am being charged an NSF charge and my account is overdrawn.  Please have this company stop charging my bank account. I want this service cancelled.
Tanya McCall
(323) 293-9834
Thank you

THIS IS INSANE! WHY THIS HAS NOT BE REPORTED AS FRAUD! WHY THE BANK IS ALLOWING THESE PEOPLE TO DO! THIS IS FRAUD! OH MY GOSH! I WAS CHARGE $149.95 MY ACCOUNT WENT IN OVER DRAFT. IS THE BANK WORKING WITH THESE PEOPLE BECAUSE I CANNOT SEE WHY THE BANK IS ALLOWING THIS TRANSACTION TO GO THROUGH TO PEOPLE ACCOUNT!

9/10/2010 posted 149.95 to my bank account saying it was authorized......800-685-9354 is only a recording......where is regulation in the U.S. when you need it........

I APPLIED FOR A PAYDAY LOAN AND THERE WAS A LITTLE BOX THAT I DIDNT REALIZED I CHECK THAT APPROVED ME FOR A 2500.00 VISA CARD, THIS COMPANY CHARGED ME 149.95 ANDI WASNT AWARE OF IT I CALLED #18002624192 AND SPOKE WITH A WOMEN WHO SAID SHE COULD REFUND ME 80.00 OF THE 149, I ASKED WHEN IT WOULD BE PUT INTO MY ACCOUNT AND SHE SAID 2 WEEKS BECAUSE THEY HAVE TO GO THREW A THIRD PARTY ADMINISTATOR, I STARTED TO YELL AND CUSS AND HER AND SHE TOLD ME SHE COULD SEND ME TO A DEPT WHO COULD DO A THREE WAY CALL W/ MY BANK TO VERIFY THE PAYMENT WAS MADE AND IT WOULD BE PUT INTO MY BANK IN 3 DAYS!!!!!

I have a pending payment from 149.95 from USA credit.  I recently applied for a car loan through Ford... are these connected?  Are the car loan processes secure?  This charge was completely out of the blue.

I never agreed to a loan or a credit card. I was on another sight taking care of a previous loan and there company came up as a pop up. So now my account is also ovedrafted for fees they took off my account. What is really going on. I as well can not reach them.

My gf used my bank account telling me she needed a pay day loan and because she didn't have a chekcing account I told her well if your getting your own money put in so you can use it ok just make sure you put it back in when you owe the payday loan.  Well Not sure of what's up yet but they USA Credit 18006859354  took out $149.95 out of my account.  Not money in.  My gf has no idea what she did or if she did anything she said she just applied for a payday advance loan.  So can you help me out with what done (what she clicked or what not) cause I'm lost.

They got me too I clled the number thanks to you guys I never even got a loan from these people out of no where they debited $149.99 from my account. I have a credit union bank and I also placed a dispute also from reading all of you guys notes I requested my bank to not pay any furture monies to this company just in case they try to be slick and try for another payemnt. Hwne you cll the number they ask you for and account# or your ss# I was so scared to provide my ss# and don't know the account number because never knew it. I just called my bank back and requested a dispute.

Debt Collectors ? Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I?ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved