Federal Trade Commission reviews and complaints

In August (10 or 11, I think) a Kore Heath pop up box appeared while I was reading the Washington post newspaper online. As I scrolled thru my stylus accidentally hit their website advertising the Korescale. i thought it would make a nice gift for my friend, so i read the description. They wouldn't post the price unless your credit card number was entered. When I saw the price I deleted my card number and exited the website. I've been getting emails everyday since telling me to complete my purchase. For each email they sent, I replied that I was not interested in purchasing the scale. Three days ago the scale arrived at my home. I immediately contacted kore health advising them that I never ordered the scale and wanted a free return ship label sent to me so I could return the item I never order, and I requested a refund for the unauthorized charge to my credit card. I also advised them that they never sent an order confirmation via email for their supposed sale. For the past two days I've been getting emails from their customer support rep, bobby Lamberte asking me to reconsider and offered me a 20% discount. I replied I wasn't interested and reiterated my request for the refund and return ship label. Everyday, still I'm getting emails from bobby Lamberte and still I reply with my aforementioned request. I advised Lambert's I would complain to the FTC but apparently that didn't matter.

I recieved an email and this is what it stated (I did put x's blocking my last name and social but it was all in the email):
Hello leandra lxxxxxx
Case No: CS-55333

After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible.

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings.

The charges with Speedy Cash pressed on you are:

1) Violation of Federal Banking Regulation
2) Collateral Check Fraud
3) Theft by Deception

The affidavit states that ANGELA *********** was monitored online using the
e-mail address a**********[protected]@yahoo.com and social security number
********* which is in order to solicit funds from a restitution which is
owned and operated by the Speedy Cash who owns and operates more than
350 online cash websites, web portals and many of the sub lenders are
working for them (Ace Cash, Cash NET USA, Green Cash, Cash and Go, Lend
Up, Speedy Cash, US Cash, Green Money, Cash Advance, Check 'n Go). The
funds were successfully transferred into your bank account utilizing an
interstate EFT which stands for electronic funds transfer.

Basically all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc.

When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFT's were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.

Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.

Now this means just two things for you:

1.) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case.

2.) If you have any prior convictions including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.

This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employer's name as a security and also as an additional security two more names were used.

Finally, you have the right to hire an attorney, if you have one or if
you cannot afford one then one shall be appointed to you. But please
make sure that you have someone to help you out regarding this case
because once this case is downloaded and executed with judgments against
you and if you found guilty under the bench of jury then you have to
bear the court charges as a penalty and the Amount is $8310.27 excluding
your bail charges, your attorney charges and the due amount pending on
your name.

Finally, your name and Social Security Information would be reported to the three major credit bureaus of USA such as,

1.) Equifax
2.) Tran union LLC
3.) Experian
Ultimately it would be affecting your FICO scores by 285 negative points and your social security number would be black listed and you would also never be eligible for all the government benefits and entities.
According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in future.

Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at 11.00 am as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is $989.55

If you are willing to settle it out of the court you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment planes available because time is extremely very sensitive.

There will be no correspondence via email call us on listed number to resolve this case.

so kindly respond to this email or call on [protected] to resolve this
matter.

Sincerely,

ANTHONY BORDON (Senior Investigator at FTC-Federal trade commission)

Thanks & Regards
Cindy Moore

Phone: [protected]

Ever received an e-mail from a legitimate-looking company, asking for personal information?

If so, you may have been the target of a "phishing" scam — in which con artists use the name, logo or Web site of a reputable business to commit fraud.

The Federal Trade Commission and other organizations are grouping together to fight what they call one of the fastest-growing types of Internet fraud.

The FTC, Better Business Bureaus, Visa and others are asking consumers to report suspicious-looking emails and not reply without checking their validity.

A Treasury Department official says such scams strike at the heart of the nation's financial system, which he says is built on confidence. He says consumers need to feel secure in using the Internet — without feeling like their identity will be stolen.

Some con artists tell consumers the federal insurance on their savings accounts will be canceled unless they update their personal data. Others claim to be from Internet service providers redoing their billing lists. Still others say something has gone wrong with a credit card transaction and that additional information is needed or the card will be canceled.

There are even links from the e-mails to Web sites that look just like legitimate bank or credit card or online merchant sites.

But they're not.

"It's the perfect crime from the fraudster's perspective, " said Naftali Bennett, chief executive of Cyota Inc., a New York-based anti-fraud firm. "It's easy to do, you get thousands of records and the risk of getting caught is very low."

A study released earlier this year by the research firm Gartner Inc. found that an estimated 57 million consumers believe they may have received a fraudulent e-mail in recent years.

It estimated that the losses that banks and credit card companies incurred from fraud against consumers who took the phishers' bait totaled $1.2 billion last year.

There are ways for Internet users to protect themselves, and experts say it starts with consumers being just as wary about giving out personal information online as they would be on the phone or in person.

"The red flag should be any request for personal information, especially from someone who says they need it right now or there will be dire consequences, " said Patricia Poss, an attorney with the Federal Trade Commission's bureau of consumer protection.