Yesterday I paid off all of my credit card bills as I wanted to be rid of my debt. I have a pay day loan that I need to pay back but have defaulted on it (financial issues). In October 06, I closed my checking account do to fraudulent activity and reopened a new one however I failed to advise the pay day place as it was only October and I was getting my bonus in January so I would pay it back then. I received a call from a guy claiming to be from the Fraudulent Dept. and advised me that my name was being submited to a system called ETracks for fraudulent checks. He advised that if it is submitted to e-tracks, all of the local law enforcements will have my info and a warrant can be issued and i will be given a criminal record for fruadulent checks! I said why wouldn’t the company contact me when the debit was returned! Why would they keep submitting it to a closed account! He said if it’s not paid by tomorrow he will submit my name through etracks and get this, I have to pay him!
Continuation: He said that i can not make the payment through the company as it will not post on time. I think he’s a collection agency but the Etracks thing really scares me! I can’t risk having something like this on my criminal history. I’m a good Christian woman, I’m not a criminal! If I get a history, it would be so hard for me to get employment! I don’t understand why they would continue to make an ACH debit on a closed account without contacting me after it was returned. Has anyone ever heard of anything like this?? Can someone really be given a criminal history from a software. Wouldn’t they have to be arrested first?
I forgot to mention that because I paid off all of my credit cards, I’m short on funds and wont be paid until next week!
I just want to confirm that I “WILL NOT” be given a criminal history without first being arrested correct? That way, I can prove that I don’t write fraudulent checks and that I had my account closed for suspicious activity and also that the company never had any troubles getting the fees from be prior to October. If etracks will not give me a criminal record, I would atleast have a chance to settle this bill. I can’t even sleep or eat, I’m so worried. This is definitely a lesson learned. Oh get this, he said he called me to let me know what was going on as he sees that I do not have a criminal record. He said he usually does that for people without the record but anyone who has the record, he just submits to etracks.