I assume the “Payday Loans Advance” is DXN from my profile page

As you know, people who say this or that PLA is “good” are expected to back their claims with hard facts and figures. Sweeping generalizations like “I’m doing good full time” have been heard so much by the survivors on this board that they are not to be believed.

Dr. Jon Taylor challenges people to show last year’s tax return and divulge how much of their income gets derived from retail sales vs recruiting.

Since you haven’t been doing this long enough to show us a tax return, I’ll request the next best thing: a cash flow statement. Surely if you’re “doing good” in DXN you can support that by showing us how much you have spent vs how much you have earned. Part of that statement should include a breakdown of your retail sales. Also show us the number of hours you spent to earn that *net* profit so you can compute your effective hourly wage.
Compare that to the minimum wage in your part of the world.

If you can’t show us hard figures, how do you really know you’re “doing good”? People might draw large checks i.e. 30 day loans, but after subtracting all expenses, they might be making less than minimum wage.

Don’t just say it.
Prove it!…

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According to a few different websites

we’d actually need the first six digits to ID the company/store/business that issued the card. The fact that it starts with a “4” indicates it was a Visa, but that’s the only thing we can determine from the number at this point. Some online credit-card prefix lists that I just checked, either offered not much beyond the above info, or spit out a 4-digit check as being incomplete.

I’ll echo Jan’s concerns that this might have been a bogus call. We’ve spoken on this list recently about an IRS scam where folks are called with claims that they are being sued by the IRS and need to call back some number to get court date information. We got one of those calls right after finishing our taxes this year, and after paying off our previous balance. So that one was easy to spot as bogus. But within the last week we also got SEVEN calls, all the same day, from three different numbers, claiming that we had to call someone back to get more info about how the Department of Justice needed to speak with us about a US Treasury matter. Um, yea, we’re gonna believe that the DoJ needs to talk to us about the US Treasury. They wouldn’t want to hear my comments on that anyway. So could this be a scam as well, particularly given that you can’t get confirmation from anyone on anything? Youbetcha. The one time I worked with a collector over the phone, I was already familiar with the charge, it was definitely on my credit report and had been for a long time, and she had every piece of information about that debt right at her fingertips. There wasn’t any of this “trying to collect a debt but we can’t tell you or we don’t know the info” garbage. The fact that the gal you spoke to, and everyone since then, can’t confirm or prove the bill is yours? Every red flag I had went up on that one.

The burden is on them, NOT YOU, to prove that you owe them money, particularly since this has apparently never been on your credit report. That’s possibly the biggest tip-off of all. If it’s not on your credit report, then I’d chalk this up to being bogus unless they can prove otherwise to your satisfaction. Then, and only then, would I even worry about working out some payment plan. For all your know it’s a couple of bored kids calling from their parents’ basement.…

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Need everybody to help me identify a credit card issuer!

I am TOTALLY freaked out today because I received a phone call from PN Financial (a collection agency) stating that they are seeking to collect on a $1,9XX debt from a visa card issued by Citi Financial. The lady said the card was opened in 2014, and charged off in 2016.
Now I know I never have had a Citibank card, so I told her that. She then said on her end, as a collection agency, it says Citi Financial so it could also be a store credit card that was actually Citi.

Ok… that could be. I know I paid off everything that was on my credit report in 2011ish though so I figured it was a matter of pulling out the zero balance letters as proof and faxing it in. I also knew that this account wasn’t on my credit currently, so I was simply asking for more info because I wanted to ensure this was not a mistake or fraud.

I never gave this lady any of my info, but she had all accurate info – down to several friends listed as references, and the last 4 of my social.

I hung up with her and called Citibank to see what I could find based on the info she gave me. They couldn’t find anything under my name or SS, but I did speak with several different people who all told me a lot of different things… so I am not sure this is accurate anyway. Seems as though without knowing the issuing store its hard for them to look up the subsidiary cards. Also on the PN Financial side it says “Citi Financial” which Citibank said might be a separate but affiliated group (lady wasn’t sure because there’s different branches). But I can’t find a good number for Citi Financial aside from local branches, which I called and they said they don’t have credit cards.

If I was able to verify the origin of this debt, I would be able to figure out if this is legitimate or not. I know the first 4 digits of the card they’re alleging is mine are 4985. Citi told me that all cards are coded, so for example 4985 might be linked to Home Depot or Walmart specifically, etc.

Anybody have any credit cards or HAD any cards starting with 4985? If so, what store was it?

I feel like I have everything settled and this must be a mistake… but I am just not fully prepared to resolve this without more info about what the heck this was from.

Please, if you have a moment to help me identify I would appreciate it! If it turns out to be legit I want to set up a payment plan to settle so I can’t be sued. Texas SOL is 4 years so thats up, but I have no idea what state the card wouldve been issued from so that SOL may be active.…

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This is why I don’t write checks…

Grrr….two in one week.

1 is a check written CLEAR BACK IN JANUARY for my son’s baseball team that they needed “immediately.” Well obviously not, if they just cashed it yesterday.

2nd was a check from my house inspector that “they never got” and told me they needed payment right away. That was two weeks ago (the demand letter). I emailed them back and told them I had sent it to the address on the survey report since it said mail it there (a PO Box), LMK if they needed me to stop payment on it. Never heard back from them, but I guess they found it because they cashed it last week. Good thing for them I am too lazy and cheap to have put a stop payment on it right away.…

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