Consumer Alert:
Pacific Credit Services
Also doing business as:
- PCS
- American Cash Services
- American Unlimited Cash USA
- USA Unlimited
- American Legal Services
- and possibly other aliases with the initials ACS
Possible Payday Loan Collection Scam
The Washington State Department of Financial Institutions is warning consumers to verify the license of any lending professional they are considering doing business with. You can verify a license by calling the Department of Financial Institutions at 1-877-RING DFI (746-4334) or online at www.dfi.wa.gov.
Consumers are contacted at their home and work telephone numbers regarding supposedly delinquent payday loans. In some instances, the consumer applied for a payday loan but was turned down, and then subsequently started receiving collections calls.
The representatives of Pacific Credit Services make numerous and repeated harassing telephone contacts with the consumer, threatening legal action unless the consumer pays the requested fees. The callers are also reported to have contacted consumers’ relatives or other references.
These callers will sometimes identify themselves as law enforcement officers, attorneys from the “Legal Department” or even from the “United Nations Legal Department.” The callers generally have “American-sounding” names, such as “Michael Smith” or “Steve Martin” or “Ron Adams,” but their English is very heavily accented.
Consumers have reported that the caller has identifying information such as checking account information, social security information, and other nonpublic personal information.
Consumers have reported that this entity is tied to various telephone numbers, including 315-507-8391, 607-595-1838, 714-929-7223, and 305-260-6689. Calls to these telephone numbers generally result in a message indicating that the respondent is not available, or that the number is disconnected.
Pacific Credit Services aka American Cash Services USA aka American Unlimited Cash USA aka USA Unlimited is not licensed by the Department of Financial Institutions as a payday lender or check casher or seller in Washington State.
Pacific Credit Services aka American Cash Services USA aka American Unlimited Cash USA aka USA Unlimited is not registered with either the Washington State Department of Revenue or the Office of the Secretary of State to do business in Washington.
Report Fraud
If you feel you have been victimized by this organization, and you reside in Washington State, you may file a complaint with the Washington State Department of Financial Institutions by contacting the Consumer Services Division at 360-902-8703, or by filing a complaint. The complaint form is available online at www.dfi.wa.gov/cs/complaint.htm.
