Question by : Anyone else been through this ??? I received a phone call from a Mr. Chan or Chin August 13. He stated that he represented �??LSO�?� which I am assuming is the same fraudulent company calling themselves LOAN SHOP something or other. He stated that they received information from TCF Bank and that I would be given 24 hours to resolve this matter. I don�??t know who these people are. They somehow got a hold of my checking account info as well as my banks routing number and attempted to pull $ 320 from my account. I put a STOP PAYMENT on it and closed my accounts. Scam companies give themselves away by how general and vague they are with their threats. In this case, he stated that �??information was sent to him from TCF Bank�?�. This �??info�?� was merely the STOP PAYMENT. It seems to me that his vagueness was to lead me to believe that TCF sent them my routing and account numbers, which they would NEVER do. What this crooked scam company does is sit in the �??shadows�?� and wait until people apply for loans on an unsecured website, and steal their information and attempt to pull money from their accounts, claiming that they �??owed them�?� this money from over due accounts from years ago. That, by the way, is another detail that gives these thieves away. Whatever �??account�?� they say is overdue will always be �??from years ago�?�. The further in the past they claim it to be, the more they can argue that you simply have �??forgotten�?� about having gotten a loan through them. What they can NEVER explain, however, is why a company who is legitimately owed money would wait three or more years to attempt collection. They use crud means to find out names of the targets family members, former addresses if available, former employers, and whatever else they can dig up to sound more on the level. They use this information to scare the target into payment. What I have personally found out is, they know how illegal their practices are and once you call their bluff, they back off for a while. This guy called me over a year and a half ago threatening me, my brothers, my mother, and my father. He rattled off all their names, he even knew my brother�??s newlywed wife�??s name. What confirmed my suspicions was when he named my 2 year old niece. This obviously was info he obtained through my brother�??s personal record at work or something. There is no legitimate reason a collection agency would know anyone�??s name in a client�??s family. These people are leeches on society. They have no ambition in life other than easy money. They have no business or social skills and no education which makes itself apparent when they �??attempt�?� to be a real company. They use intelligent words, only, they use them in the wrong context. Hearing business-like, intelligent sounding words spoken with an urban/street accent is almost hilarious. They actually think they are fooling people. What�??s more, is when you challenge their claims, they immediately lose their cool. They get angry and argumentative. This guy even called me a �??knucklehead�?�. I asked if he could explain why his �??company�?� was splashed all over the �??Rip-Off Report�?�, an online site that exposes scam companies. He simply said �??Because they are a bunch of deadbeat losers who don�??t pay their bills�?� I am sorry, but, this is something a legitimate business representative would NEVER say. These people need to be stopped. It�??s hard to believe that it seems to be �??legal�?� to do what they do in their �??cherry-picking�?� unsecured websites. This is stealing, plain and simple. It is no different than if you walked into someone�??s home and took a wallet or purse. Going into someone�??s bank account without permission is breaking and entering as far as I am concerned and pulling funds is burglary. Best answer for Anyone else been through this ???:
Answer by It should be my choice
I had something similar happen to me like this the other day. I am going to research it more they didn't have my bank info but they kept saying I had this debt. That I had no clue about.
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