Zarvad III S.A. d/b/a Mypaydayloan.com

Unlicensed Payday Loans

Posted: December 02, 2014

The Washington State Department of Financial Institutions (DFI) received a report that Mypaydayloan.com may be providing consumers’ personal information to a third-party who appears to be running an advanced fee loan scam.

A Washington State consumer reported that, after she applied for a loan at Mypaydayloan.com, she received a phone call from a third-party. The third-party offered her a loan in exchange for an advanced fee. The consumer paid the advanced fee using a prepaid card, but did not receive the promised loan. When the consumer attempted to cancel the loan, the third-party demanded another advanced fee. The third-party did not refund any of the fees to the consumer.

Mypaydayloan.com list’s its phone number as 888-269-2303. It appears that Mypaydayloan.com may be operating outside of the United States. A possible address associated with Mypaydayloan.com is Centro Colon, 8 Avo Piso Oficina 8-4, San Jose, Costa Rica. Mypaydayloan.com is not licensed by the Washington State Department of Financial Institutions. It is not registered to do business in Washington by either the Department of Revenue or the Secretary of State.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.
Payday Loan Debt Collection Laws

Col4lection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 382-4357 (1-877-FTC HELP), or online at www.ftc.gov.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact the DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at http://www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

American Restructuring

Loan Modification Scam

Posted: December 02, 2014

A Washington consumer reported an entity may be operating a loan modification scam under the name of American Restructuring. The consumer reported that he believed that he retained this entity to obtain a loan modification from the owner of his mortgage loan and authorized the lender to have all communications go directly through this entity American Restructuring. The consumer indicated that he received what appeared to be an approval letter for a trial loan modification from the entity American Restructuring which required six trial payments all of which were to be deposited directly into a bank account for American Restructuring.

After the consumer made his sixth and final payment, the entity American Restructuring discontinued communication with the consumer and shortly thereafter the consumer received notice of a forced sale from the lender for nonpayment of the mortgage. Subsequently, the consumer discovered none of his payments were ever paid to the lender and all correspondence from the lender went to American Restructuring, based on the consumer’s third party authorization.

The contact information for this entity provided by the consumer is:

American Restructuring
5348 Vegas Drive STE C
Las Vegas, NV 89108
Phone: (702) 490-9410
Email: americanrestructuring@lawyer.com

American Restructuring is not licensed to do conduct business in Washington State. The Washington State Department of Financial Institutions (DFI) strongly recommends that consumers deal only with those entities that are properly licensed to conduct business.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.
Report Fraud
If you are suspicious of unlicensed activity by a payday lender please contact the DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at http://www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov

Yet Another Data Breach – Sony Pictures

Is this the new norm. We are hearing more of these data breaches. Reports online suggest that this may be an inside job.Mashable

Following the hack — which compelled the studio to shut down its email and other systems — at least five of the studio’s feature films appeared on file-sharing sites, including several that have not yet been released,Deadline.com reported. They include watermarked awards DVD screeners of the films “Fury,” “Annie,” “Still Alice,” “Mr. Turner” and “To Write Love on Her Arms.”

Read More….

WhoIs Rhired Staffing – R hired Staffing

WhoIs Rhired Staffing and why do they have so many job postings?

rhiring

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Why this ad?
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Oct 30, Cook Supervisor, R Hired Staffing, Anaheim, CA. Company Description: RHIRED consultants have over 20 years experience. We make a positive impact …
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QUALIVOX mystery shopper

The Purpose of this post is to ALERT you that the job you are about to apply for scamalert4or may have applied FOR or is CONSIDERING APPLYING FOR is FRAUDULENT. The identities of individuals or a business entity have been stolen along with fund from their bank accounts.

These job postings are an attempt to lure you into accepting wire transfers and cashing counterfeit checks into your bank accounts. You are being recruited to wire transfer these funds via WESTERN UNION or MONEYGRAM from your bank into a DOMESTIC BANK or OFFSHORE BANK ACCOUNT.

Essentially You Become A Money or Repackage Mule

  1. Money Mule Explained
  2. Understanding The Cyber Theft Ring
  3. Protecting Yourself Against Money Mule
  4. KrebsOnSecurity – Cyberheist
  5. Washingtonpost.com by Brian Krebs
  6. Interview With A Money Mule
  7. Bobbear.co.UK ~ Historical Money Mule Sites

____________________

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To: “Lisa Myers” <JavaEffective@jobs.raytheon.com>
Subject: We Found Your Resume! Ref #3006
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______________________________

from: Lisa Myers <JavaEffective@jobs.raytheon.com>
reply-to: myers.lisa@yandex.com
to: Lisa Myers <JavaEffective@jobs.raytheon.com>
date: Tue, Dec 2, 2014 at 4:04 AM
subject: We Found Your Resume! Ref #3006

Hello,

I would like to speak with you in regard to your background and work experience. I have been hired by QUALIVOX to find qualifying individuals with an enthusiastic personality, motivation, and a strong desire to either learn or grow their career. Based on your credentials, I feel you may be a good fit for our Mystery Shopper position.

Being a Mystery Shopper (secret shopper) is an important job – and it’s part-time, paid, and flexible to your schedule. Many of your favorite stores, restaurants and theatres depend on our mystery shoppers to understand more about what is happening in their stores.
If you’d enjoy earning yourself a little extra cash in your spare time, then doing mystery shops as a QUALIVOX mystery shopper can be fun and rewarding.

Assignments vary from a meal at a restaurant to shopping while you wait at the airport to counting heads in a theatre before a show.

Ultimately, your paid efforts will improve customer service experiences for everyone.

We work with hotels, malls, shopping centers, restaurants and shipping companies, chain stores or independent retailers, large and small.

We make the difference for your business.

Our priority: to design and animate the best tool for you that is 100% operational enabling you to motivate and unite your staff around common values and objectives, in particular to win new customers and satisfy current customers and develop loyalty.

Please take a moment to reply to this email with the word “Interested” in the subject line for additional information. This will allow us to send you a more extensive description for this position and the opportunities we have for you.

We look forward to your reply.

Best regards,
QUALIVOX

© Copyright 2014 QUALIVOX. All rights reserved.

To be removed from future mailings, please go reply to this email with the word “Delete” in the subject line.