866-376-5095

Received this as a callback number from a scam text, going ahead and marking it as well.

Received a text stating that I owe them money

Received text stating I owe money for advance america or an affiliate. Dates were fishy and they demanded payment today to prevent the matter going to court. so I called around several places affiliated with advance america and other lenders I used. None of them were able to find an unpaid amount that matched what was claimed.

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so I called around several places

 When all you needed to do was to make them follow the letter of the law.

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

this is a scam, ignore it

It is common for scammers to target people who using pay-day advance type of loans. The scammers believe that people who use this service are more vulnerable to scams like this.

Really?  Wow, thanks for telling me!  Here I thought this was legitimate which is why I posted what I did! (note that these 3 sentences are dripping heavily with sarcasm).

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The scammers believe that people who use this service are more vulnerable to scams like this.

 They would be right in that assumption since people that use these types of services are not thinking clearly, otherwise they would never take out that type of loan in the first place.