The company advertises on the Internet, stating that it provides personal loans and home equity loans. The company also solicits victims over the telephone. The consumer is contacted via telephone or email and told their loan is approved for a certain amount but that due to the victim’s credit history the victim will need to wire “a couple of months payments” or a “security deposit” or an “insurance fee” upfront to the company via Western Union or Moneygram prior to obtaining the loan. The victim is asked to send the money to Ontario, Canada. Some of the names used in the scam are “Nichole Williams,” “Nicole Williams,” “David Spencer,” “William Richards,” “Karen Ocklowsky,” “Quinton Wallace,” “Lamar Bailey,” “Elizabeth Jeffries,” and “Nicole White.” The victim may also be asked for copies of identification, such as a Driver’s License, Birth Certificate, or proof of address, such as a utility bill and banking information. Once the victim has wired the funds the victim is not given a loan. If the victim attempts to contact the individual with whom the victim has been in contact they get a constant ringing or voicemail. If the victim is able to get the person on the phone again the victim is told that the loan has not gone through and the victim will need to send additional funds to secure the loan. This appears to be an advance fee loan scam.
The website lists Alpine Consumer Loans, Inc.’s address at 451 SW 10th Street, Suite 202, Renton, WA 98057. However, there is no suite 202 or company by that name at that address. Alpine Consumer Loans, Inc. has no office in the State of Washington, which we have been able to locate. The website also lists the following address: 415 Clubhouse Drive, Blue Jay, CA 92317. The company is not licensed by the Department of Financial Institutions and is not listed with the Washington Secretary of State or the Departments of Licensing, Revenue or Labor and Industries to do business in Washington.
Victims should report their experiences to the Internet Fraud Complaint Center at www.ic3.gov.