National Financial LLC

CAPITAL CREDIT ASSOCIATES The Capital Recovery Division Attorney of Record: Amanda Edwards Email: [email protected] Case Reference: CF-9814725D3 Subject: Past Due Loan Amount – $1,825.60 This correspondence concerns the above case reference linked to your account with Capital Credit Associates. Despite prior efforts to connect with you by phone and mail, we have not received any acknowledgment or response. Accordingly, your file has been escalated to our Legal Resolution Department, which has now categorized your account as non-compliant and ready for formal litigation review. The National Financial Compliance Office has reported the following statutory violations connected to your account activity: Breach of Federal Lending Guidelines Misuse of Negotiable Instruments Unauthorized Funds Withdrawal Obtaining Credit Under False Pretenses Our previous notices have gone unanswered. You are therefore required to take immediate corrective action. Should we not receive a response within 24 hours, your file will be submitted for court filing procedures. At that stage, your employer may be formally notified, and wage garnishment could be initiated as part of the enforcement process. If litigation proceeds, the lender reserves the right to notify any contacts or employment references listed in your records. Be aware that the total judgment amount may reach $9,368.41, not including legal and administrative expenses. However, you still have an opportunity to resolve this matter voluntarily. A settlement may be arranged either through a biweekly installment plan or a single-payment resolution. Kindly confirm your preferred option and payment date by contacting our office at [BBB Scam Type: Debt Collections] [Business: Capital credit associates Date Repor] [Location: KY, USA - 41822]

This is the email I received: This correspondence concerns the above case reference linked to your account with Capital Credit Associates. Despite prior efforts to connect with you by phone and mail, we have not received any acknowledgment or response. Accordingly, your file has been escalated to our Legal Resolution Department, which has now categorized your account as non-compliant and ready for formal litigation review. The National Financial Compliance Office has reported the following statutory violations connected to your account activity: Breach of Federal Lending Guidelines Misuse of Negotiable Instruments Unauthorized Funds Withdrawal Obtaining Credit Under False Pretenses Our previous notices have gone unanswered. You are therefore required to take immediate corrective action. Should we not receive a response within 24 hours, your file will be submitted for court filing procedures. At that stage, your employer may be formally notified, and wage garnishment could be initiated as part of the enforcement process. If litigation proceeds, the lender reserves the right to notify any contacts or employment references listed in your records. Be aware that the total judgment amount may reach $9,368.41, not including legal and administrative expenses. However, you still have an opportunity to resolve this matter voluntarily. A settlement may be arranged either through a biweekly installment plan or a single-payment resolution. Kindly confirm your preferred option and payment date by contacting our office at [email protected] . This communication serves as your final opportunity to settle your balance before the initiation of legal action. Non-response may result in a summons being issued and delivered to your current address. By confirming y [BBB Scam Type: Debt Collections] [Business: Unknown] [Location: CA, USA - 95842]

Email is overall misleading the reader to think it's an email from the attorney handling the file with the case reference linked to "your" (recipient) account within a department, division, office, group, etc., in correspondence to legal matters for an unpaid loan, which threaten court hearings and outrageous added fees, but offers the last chance opportunity to negotiate on settlement. And if there is still no compliance, you're basically screwed and are confirming the electronic agreement, through the previous digital acknowledgement of the terms you accepted. All in hope of you contacting them so they can confirm information they really don't have. It may take a few times to re-read the entire email but you can spot several red flags to avoid being scammed. Pasted here... CAPITAL CREDIT ASSOCIATES The Capital Recovery Division Attorney of Record: Amanda Edwards Email: [email protected] Case Reference: CF-9814725D3 Subject: Past Due Loan Amount – $1,825.60 This correspondence concerns the above case reference linked to your account with Capital Credit Associates. Despite prior efforts to connect with you by phone and mail, we have not received any acknowledgment or response. Accordingly, your file has been escalated to our Legal Resolution Department, which has now categorized your account as non-compliant and ready for formal litigation review. The National Financial Compliance Office has reported the following statutory violations connected to your account activity: Breach of Federal Lending Guidelines Misuse of Negotiable Instruments Unauthorized Funds Withdrawal Obtaining Credit Under False Pretenses Our previous notices have gone unanswered. You are therefore required to take immediate corrective action. Shou [BBB Scam Type: Debt Collections] [Business: Capital Credit Associates Date Repor] [Location: TX, USA - 75605]

First Time was I Reported it to BBB was Thursday,January 8th,, attempted to get information by say to me I had a credit debt which I don't. I told told the law would be on them soon,, they hung up after 27sec to 1min. 12sec apart Second time the same as above / phone numbers.. 336-768-9935/1-252-810-2617 [BBB Scam Type: Phishing] [Business: National Financial] [Location: NC, USA - 27295]