Wire Transfer Fraud or Advance Fees

Date Posted:
Monday, August 14, 2017

Alert Number: CA047909_8/11/17(8/18)
Updated: August 14, 2017
Originally Posted: January 16, 2013

The Washington State Department of Financial Institutions (DFI) urges consumers verify the identity any person they consider wiring money to. Consumers should also verify that the reason for the wire transfer is legitimate.

DFI receives many complaints from consumers who were conned into wiring money to scammers. Once a consumer sends money to a scammer, it is often impossible to find the scammer or return the money.

These scammers are located inside and outside of the United States. Recent complaints involved scammers who may be in Canada, Ghana, Mexico, Nigeria, Peru, Spain, and Ukraine. Consumers should more cautious when sending money to these countries.

Common scams include:

  • Utilities – A scammer tells the consumer that their utility (power, water, cable, etc.) will be shut off if they do not send money or gift cards.
  • Relative in Need – A scammer poses as a consumer’s family member, often a grandchild, and claims that they need money for an emergency.
  • Lottery or Prize – A scammer tells the consumer that the consumer won a lottery or prize and must send money to claim it.
  • Debt Collection – A scammer poses as a debt collector and uses threats to make the consumer to settle the fake debt.
  • Purchases, Sales, and Leases – A scammer tells a consumer that the consumer must send money to complete a purchase, sale, or lease.
  • Employment Related – A scanner poses as an employer, gives a consumer a fake offer of employment, and tells a consumer to send money in connection with the offer of employment.
  • Online Dating Related – A scammer poses as an online dater, contacts a consumer who is dating online, and asks for money as a gift or to help with an emergency.
  • Secret Shopper – A scammer sends a consumer a check with a letter telling the consumer to deposit a check. The scammer then tells the consumer to go to various stores and purchase items, to wire money to the scammer, and not to tell the money transmitter why they are wiring money.

Often consumers send money via money transmitters licensed by DFI, like Western Union and MoneyGram. These licensees have anti-fraud materials at each of their locations and online. DFI encourages consumers to review these materials before sending money. Below are links to some of these materials:

If consumers have any doubt about whether they may be targets of fraud, they should ask the money transmitter they using or DFI.

Report Violators

If you feel you are in immediate danger contact local law enforcement. You may also contact local law enforcement in the jurisdiction where the scammer is located to report fraud.

If you are suspicious of fraudulent activity by a money transmitter, or involving the use of a money transmitter’s services, contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a scam, contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov(link is external). If you feel you have been the victim of a scam involving the Internet, contact the Internet Crime Complaint Center at www.ic3.gov(link is external).

If you feel you have been the victim of a scam and are concerned about your personal financial information, contact your banking institution and the three major credit bureaus.

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Individuals Fraudulently using the business name ACE Cash Express

Date Posted:
Thursday, July 27, 2017

Updated: July 27, 2017
Originally posted: November 12, 2014
Alert Number: CA047867_7/24/17(7/18)

The Washington State Department of Financial Institutions (DFI) has received a complaint from a Washington consumer against Ace Cash Express. The consumer claimed that an individual named Frank Dollard, representing Debt Settlement Division, was attempting to collect a $750 loan. The consumer reported that the individual demanded pre-paid cards in lieu of payment, and threatened jail time if the consumer failed to provide the payment. A case number was provided, but the consumer states they have not taken out a loan.

In another complaint, a consumer reported that an individual named Mike Bell, on behalf of Chris Robinson & Associates (or C R and Associates), has called them regarding the collection of loan owed to Ace Cash Express. The consumer reported that they had taken out a loan in the past, but had documentation of paying it off. The consumer stated they received threatening messages, and was not provided with proof of the debt.

Another consumer claimed that Ace Cash Express has been contacting him regarding the collection of a loan for $750. The consumer reported that he never took out a loan from this company, and the company purportedly has failed to provide any other information about the loan.

These facts for both complaints are alleged by the consumers, and the Department has not verified this information.

Here is the contact information that is associated with these apparent scams:

[adebtrecoveryagency@gmail.com]

979*633*4344
302*922*5317

Those perpetrating these scams are not licensed by the Department and are not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State. The Department of Licensing licenses and regulates collection agencies under RCW 19.16.

DFI warns Washington consumers:

  • Never send money or provide access to your bank or credit card in response to threatening telephone calls or emails you receive claiming that you owe a debt.
  • Never give any personal information, such as social security number, credit card, or bank account information to any individual, website, or company without first verifying their identity and license status.
  • Check that a financial services company or individual is properly licensed to conduct business in the state of Washington by using the “Verify a License” feature on the DFI’s website at www.dfi.wa.gov.
  • Check the license status of collection agencies with the State of Washington Department of Licensing at www.dol.wa.gov(link is external).

Please note that Ace Cash Express should not be confused with the following company(ies) licensed to conduct business through the Secretary of State, Department of Revenue, and/or Department of Licensing:

ACE CASH EXPRESS, INC.
1231 Greenway Drive, Suite 600
Irving, TX 75038-2511

ACE Cash Express, Inc. (ACE) has provided the following information to help consumers determine when a legitimate communication is received from this company:

ACE does not send emails from “gmail.com” accounts. All ACE emails come from an “acecashexpress.com” account. Additionally, when ACE employees contact a consumer by telephone, they will identify themselves as being from ACE Cash Express.

ACE identifies itself on all correspondence. All correspondence regarding collections comes directly from ACE corporate headquarters in Irving, Texas. A consumer can request a Verification of Debt at any time and ACE will provide the verification as required by law.

Important Information for Washington State Consumers

Residents of the State of Washington are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a “small loan” (sometimes referred to as a “payday loan”) made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700. Collection activities involving loans of $700 or less are subject to RCW 31.45.082, which limits the time, place, and manner in which a payday loan may be collected. Payday lenders must also provide borrowers with an installment plan if the borrower is not able to pay the small loan back when it is due.

Information About Federal Debt Collection Law

If you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect from you, the collection activity may be subject to the federal Fair Debt Collection Practices Act. If you receive a communication from a party claiming that a debt is owed, you can request a “written validation notice,” which must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA. If you have questions regarding federal debt collection laws, you can contact the Federal Trade Commission at 1-877-FTC-HELP or online at http://www.ftc.gov.

Prevent and Report Identity Theft

Consumers should never make payments over the phone or via email to a third party debt collector that refuses to provide a written validation notice. Even if the party seems to have some of your personal or financial information, you should not make payments or provide bank account or credit card information without receiving a written validation notice. If the scammers already have your bank account information, social security number, or other nonpublic information, you may be a victim of identity theft. The Federal Trade Commission (FTC) has information for victims of identity theft available online at www.ftc.gov(link is external).

If you feel you have been the victim of a financial scam and are concerned about your personal financial information, contact your bank and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov(link is external).

Report Suspicious Activity, Scams or Fraud

If someone threatens to garnish your wages, contact your employer, or uses threatening, intimidating, or offensive language, report such actions to state and federal regulators.

Washington State residents only: If you are a victim of a collection scam or if you suspect illegal or fraudulent activity involving a financial product or service, please contact the Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. You may also wish to contact the state of Washington Office of the Attorney General at www.atg.wa.gov(link is external).

If you live in another state, go to this webpage to find the regulator in your home state. http://mortgage.nationwidelicensingsystem.org/consumer/Pages/AgencyContacts.aspx(link is external).

All consumers, if you feel you have been the victim of a scam you might also with to contact the FTC 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(link is external).

If you feel you have been the victim of a scam involving the internet you may also contact the Internet Crime Complaint Center online at www.ic3.gov(link is external).

Capitol Finance – Advance Fee Scam

Date Posted:
Wednesday, August 9, 2017

Alert Number: CA046840_8/8/17(8/18)

The Washington State Department of Financial Institutions warns consumers to verify the license of any lending professional they are considering doing business with to avoid becoming victims of potential scams. It has been reported that a Washington State consumer was contacted and told he was approved for a loan. However, he had to first send verification funds that needed to be sent via an iTunes gift card. No loan was provided and the consumer did not receive a refund. It appears that Capitol Finance may be conducting an advance fee loan scam. No address information was provided to the consumer, other than the company was alleged to be located in Jacksonville, Florida. The consumer provided the following telephone numbers alleged to be associated with the company:

  • 904*410*0097
  • 727*466*3920

The Department is only reporting these allegations and has been unable to verify the information as belonging to Capitol Finance.

Capitol Finance is not licensed by DFI and is not registered to conduct business in Washington by the Department of Licensing, Department of Revenue, or the Secretary of State. DFI warns Washington consumers that when considering doing business with a financial service provider the consumer can:

  • Make sure that the entity is licensed. Consumers can use the “Verify a License” feature on DFI’s website at www.dfi.wa.gov to check whether a payday or consumer loan company is licensed to conduct business in the state of Washington.
  • Never provide any personal information, such as social security number or bank account number or access if the company is not licensed or authorized to conduct business.

Important Information for Washington Consumers About Unlicensed Lenders

Washington State residents are informed that Washington State law provides in RCW 31.04.035 that fees or interest charged in the making of a nonresidential loan by an unlicensed lender must be refunded to the borrower. For a residential mortgage loan, an unlicensed lender must refund any non-third-party fees charged in connection with the origination (excluding interest charges).

Washington residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov. Even if the activity involves a loan you obtained over the internet, a license is generally still required. If a collection agency is attempting to collect a debt from you, you can check whether the company is licensed by the State of Washington Department of Licensing.

Collection activities by payday lenders in the State of Washington are subject to RCW 31.45.082, which limits the time, place, and manner by which a payday lender may collect a debt. Payday lenders must also provide borrowers with an installment plan if the borrower is not able to pay the small loan back when it is due.

Important Information For All Consumers

  • If you received a loan from a lender and someone else is now attempting to collect the loan, collection activity may be subject to the federal Fair Debt Collection Practices Act (FDCPA). If you are contacted by a third party claiming you owe a debt, you can request a “written validation notice,” which must provide the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA. If you have questions regarding federal debt collection laws you can contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP or online at www.ftc.gov(link is external).
  • If you feel you have been the victim of a scam you can contact the FTC at 1-877-FTC-HELP (382-4357) or online at www.ftc.gov(link is external); or the Consumer Financial Protection Bureau (CFPB) at 1-855-411-CFPB (2372) or online at www.consumerfinance.gov(link is external).
  • If the scammers already have your bank account information, social security number, or other personal information, you may be a victim of identity theft. You can contact your bank and the three major credit bureaus to take appropriate precautions. The FTC has information for victims of identity theft online at www.ftc.gov(link is external).
  • If you feel you have been the victim of a scam involving the internet you can contact the Internet Crime Complaint Center online at www.ic3.gov(link is external).
  • If you feel you have been the victim of a financial scam and are concerned about your personal financial information, you can contact your banking institution and the three major credit bureaus. Procedures for contacting the credit bureaus are available on the FTC’s website at www.ftc.gov(link is external).
  • If you live in another state, go to this webpage to find the regulator in your home state. http://mortgage.nationwidelicensingsystem.org/consumer/Pages/AgencyContacts.aspx(link is external).

WhoIs ghours.com

scamFRAUDalert see it appropriate to issue this ALERT as this is a fraudulent website that have targeted Facebook members.
-www-ghours-com-index-php.png
Address lookup
canonical name: http://www.ghours.com
aliases
addresses 104.31.94.87
104.31.95.87
Domain Whois record

Queried whois.internic.net with “dom ghours.com

Domain Name: GHOURS.COM
Registry Domain ID: 2101911693_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Updated Date: 2017-03-03T06:24:53Z
Creation Date: 2017-03-03T06:06:55Z

Registry Expiry Date: 2018-03-03T06:06:55Z

Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: 480-624-2505

Name Server: BRIT.NS.CLOUDFLARE.COM
Name Server: ZOD.NS.CLOUDFLARE.COM
DNSSEC: unsigned
URL of the ICANN Whois Inaccuracy Complaint
>>> Last update of whois database: 2017-08-16T12:02:20Z <<<
Queried whois.godaddy.com with “ghours.com”…

Domain Name: ghours.com
Registrar URL: http://www.godaddy.com
Registrant Name: Tao Yang
Registrant Organization:
Name Server: BRIT.NS.CLOUDFLARE.COM
Name Server: ZOD.NS.CLOUDFLARE.COM
DNSSEC: unsigned

For complete domain details go to:
http://who.godaddy.com/whoischeck.aspx?domain=ghours.com
Network Whois record

Queried whois.arin.net with “n 104.31.94.87″…

NetRange: 104.16.0.0 – 104.31.255.255
CIDR: 104.16.0.0/12
NetName: CLOUDFLARENET
NetHandle: NET-104-16-0-0-1
Parent: NET104 (NET-104-0-0-0-0)
NetType: Direct Assignment
OriginAS: AS13335
Organization: Cloudflare, Inc. (CLOUD14)
RegDate: 2014-03-28
Updated: 2017-02-17
Comment: All Cloudflare abuse reporting can be done via https://www.cloudflare.com/abuse
Ref: https://whois.arin.net/rest/net/NET-104-16-0-0-1

OrgName: Cloudflare, Inc.
OrgId: CLOUD14
Address: 101 Townsend Street
City: San Francisco
StateProv: CA
PostalCode: 94107
Country: US
RegDate: 2010-07-09
Updated: 2017-02-17
Comment: All Cloudflare abuse reporting can be done via https://www.cloudflare.com/abuse
Ref: https://whois.arin.net/rest/org/CLOUD14

OrgTechHandle: ADMIN2521-ARIN
OrgTechName: Admin
OrgTechPhone: +1-650-319-8930
OrgTechEmail: admin@cloudflare.com
OrgTechRef: https://whois.arin.net/rest/poc/ADMIN2521-ARIN

OrgNOCHandle: NOC11962-ARIN
OrgNOCName: NOC
OrgNOCPhone: +1-650-319-8930
OrgNOCEmail: noc@cloudflare.com
OrgNOCRef: https://whois.arin.net/rest/poc/NOC11962-ARIN

OrgAbuseHandle: ABUSE2916-ARIN
OrgAbuseName: Abuse
OrgAbusePhone: +1-650-319-8930
OrgAbuseEmail: abuse@cloudflare.com
OrgAbuseRef: https://whois.arin.net/rest/poc/ABUSE2916-ARIN

RNOCHandle: NOC11962-ARIN
RNOCName: NOC
RNOCPhone: +1-650-319-8930
RNOCEmail: noc@cloudflare.com
RNOCRef: https://whois.arin.net/rest/poc/NOC11962-ARIN

RAbuseHandle: ABUSE2916-ARIN
RAbuseName: Abuse
RAbusePhone: +1-650-319-8930
RAbuseEmail: abuse@cloudflare.com
RAbuseRef: https://whois.arin.net/rest/poc/ABUSE2916-ARIN

RTechHandle: ADMIN2521-ARIN
RTechName: Admin
RTechPhone: +1-650-319-8930
RTechEmail: admin@cloudflare.com
RTechRef: https://whois.arin.net/rest/poc/ADMIN2521-ARIN
DNS records

name class type data time to live
http://www.ghours.com IN HINFO
CPU: ANY obsoleted
OS: See draft-ietf-dnsop-refuse-any
3789s (01:03:09)
ghours.com IN HINFO
CPU: ANY obsoleted
OS: See draft-ietf-dnsop-refuse-any
3789s (01:03:09)
ghours.com IN NS brit.ns.cloudflare.com 86400s (1.00:00:00)
ghours.com IN NS zod.ns.cloudflare.com 86400s (1.00:00:00)
87.94.31.104.in-addr.arpa IN HINFO
CPU: ANY obsoleted
OS: See draft-ietf-dnsop-refuse-any
3789s (01:03:09)
— end —
URL for this output | return to CentralOps.net, a service of Hexillion

Truthfinder Inc ~ Truthfinder.com

scamFRAUDalert see it appropriate to issue this ALERT regarding the website truthfinder.com as consumers are complaining about unauthorized charges to their debit and credit cards.

Consumers have reported online that they signed up for one time use of the service and were subsequently charged again. Others have said that they cancelled the service and still their credit cards were hit.

Consumers have also complained that the information they paid for are already in the public domain and can easily be found by doing a google.com or bing.com search. There is nothing proprietary about what you are paying for.

The business address is 2534 State St #473, San Diego, CA 92101. We do not know if they are affiliated with the website Instant Background Check now Instant Check Mate whose web address instantcheckmate.com and the two sites do look the same.

Warning: Online Background Check Services Are Not What You Think