how to know scam pay day loan

HM3 was a little misleading. Some of the payday lenders on the run from tightening state laws formed "affiliations" with native tribes, whose involvement was perfunctory, for the sole purpose of claiming immunity from usury and consumer protection laws. In at least one instance tribal elders were not even consulted and the key company officer was only faintly a tribal "member". CashCall and Western Sky provided perhaps the best known and most punished example of the scheme.

Minnesota AG Tells CashCall and Western Sky to Pack Up Their Teepees and Refund Victims

To differ again with HM3, my memory of development of Foxwoods and Mohegan Sun, and several undeveloped copycat casino proposals in the Northeast, is that you can follow the money back to entities which are not "of the body".

Don't mean to be rude, but why would you send money to a company you're trying to borrow from? Now I'm confused

The real question is, "Do you really expect someone who posted here in 2013, 5 years ago, to suddenly come back, see your question and answer it?"

Oh, no, is the system for sending nessages back in time down again? I thought we got that fixed. 😸

Yeah, the flux capacitor has a worn digimifloppy that need realignment.

Again?! Yeesh, that thing is always needing realignment.

I been scammed by a Arabic man that told me his name is James Miller and he works for Cash Advance America.He didn't get me for any money cause I sat up thinking long and hard on it.He kept trying to press me to go to the atm and pull the money off my card and to buy these gift cards telling me there insurance cards and to give him the info from them after I purchase them with the bad check he deposited in my bank account.My bank put a hold on the check and was on hold for 2 days and they ended up sending the check back and he kept telling me to go pull the money off and go get them cards it will work even if my account is saying negative and that he will refund the expensives.Kept telling me after I make this first transaction for this so called insurance he would put the $5 grand loan into my bank account but I filed fraud activity ASAP and filed a Theft Identity form and Charges.So now he has my SSI number and all my personal info.I have all his text messages to me screen shotted and saved and I have his fake loan document saved and his number saved into my phone.I was wondering is there anything you could do to help me with this matter???

We can't do anything. But you can call the FTC

CelticDragon is right, we can't do anything. This scam is run from outside the US and finding the person will be nearly impossible.  This scam is in layers - it is an Advance Fee Scam (promise of a loan if you pay money) and a Phony Check Scam (you are told to deposit and draw against a fake check.) ID Theft is possible depending on what info you gave them.

You would be wise to consider some sort of credit monitoring if the crooks have any of your banking or credit card info. Contact your bank and CC companies and tell them you were scammed out of personal info that might let a person get at your money or change any passwords you might have.

Freeze and lock down your credit with the three credit reporting bureaus *immediately*.  Contact all of your other financial account holders for a "fraud alert", and request a PIN from the IRS.  That will help reduce the likelihood that the scammer can open more credit in your name, charge the new credit to the limit, and leave you to clean up the carnage.  With your SSN, they can file your taxes with fraudulent amounts to get a refund.

Due to some pesky (to some) new regulations, the credit bureaus are required to lock and unlock by request for *free* now.  They used to charge a nominal fee (~$10) to consumers for the privilege of controlling their own credit data, for which permission to collect and disseminate was never given in the first place.

I was hit by a fraudulent tax return about ten years ago, and get an IRS PIN in the mail every year, now.  Without the PIN, you can't file your taxes....and neither can they.

You've really stepped in it now, and the quicker you take action, the less the damage will be.

Great advice, GregAtTheBeach! It's so easy to freeze and unfreeze your credit now. Just have the phone numbers to the credit bureaus handy. You can even do it on their automated system. Easy peasy. I would like to add that due to identity theft, a good portion of all debts are real, assuming it's from a legit collection agency, but obviously not owed by the real person associated with an account.