Fake Debt Collectors Terrify Consumers

West Virginia residents aren't the only ones complaining. The Florida Attorney General's Office said it has heard more than three dozen complaints related to U.S. National Bank.

Thus far, Googel said, the scammers have been impossible to trace, using a multitude of phone numbers and fake addresses.

"The way they've hidden themselves is pretty slick," he said.

ABCNews.com called a phone number associated with U.S. National Bank -- Feury listed the number in a complaint against the company -- and was transferred to the man who claimed to work for Financial Crime Division.

The man, who spoke to an ABC News reporter for about five minutes, said that U.S. National Bank owns Internet payday lending Web sites and that Financial Crime Division is a "legal affidavit processor" -- a term that Googel also has dismissed as meaningless -- that works to notify borrowers that they still owe money to USNB. (The man refused to provide ABC News with contact information for U.S. National Bank.)

"They have taken so many loans they have forgotten that one to pay back and we are calling them about this legal matter," the man on the phone said. "That's not our problem that they have forgotten."

The man argued against the complaint that his company had called people about nonexistent or repaid debts. Consumers, he said, have failed to provide the company with proof that their debts have been repaid.

"When we are asking the information, they are not ready to give to us," he said. "If they have paid it, they must have something in writing, some kind of receipt, but they are not going to give it to us, so how can we trust them?"

Loan Scams and Fake Address

When asked where Financial Crime Division was based, the man hung up.

Googel said that he has been on the phone with the suspected scammers many times and that each time they refuse to provide identifying information such as valid addresses or a licensing number, which collections agencies operating in West Virginia are required to have.

"I yell and scream at them, but it doesn't do any good. It's sort of high drama in a way," he said.

Googel said that he has notified the Federal Trade Commission about the scam, but the FTC would not confirm whether it had launched an investigation. An FTC official told ABCNews.com that it does not disclose whether it is investigating a company unless it takes the company to court.

The official said that consumers with complaints about U.S. National Bank are encouraged to contact the FTC, the Better Business Bureau or their state attorney general's office. Read a statement by the West Virginia Attorney General's Office's office on the issue here.

ABC News' Gerard Middleton contributed to this report.

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