Description

I received a phone call from Trevor Johnson at Lakewood Services regarding an outstanding $500 loan. When I asked Mr. Johnson for more details about the loan, such as the kind of loan and when the loan was taken out, he had no answers for me. He later mentioned that there was a settlement offer of $650, but told me that he can negotiate and reduce the settlement offer back to $500. Mr. Johnson informed me that his services have tried to email me in the past but they've been contacting through my father's old email account, which is no longer exist. I provided Mr. Johnson my personal email address as I wanted to get more information about this loan. When I received the email, it mentioned that a new account has been created for me as it provided a reference number and client ID. There was a link provided in the email that directed me to the account login. When I had to login, I had to enter the reference number, client ID, last name, and last four numbers of my SSN. I was unable to access the account as it stated "credentials do not match our records". In the email, there was also a letter about the outstanding loan as it provided the original lender. The original lender was listed WWW.INSTALLMENTLOANEXPERTS.COM. When I try to access that website, it came up as invalid. The last time I spoke to Mr. Johnson, he informed me that he was able to reduce the settlement offer to $500 and it has to be paid today. I told Mr. Johnson that I am not paying the account until I can access my account as I wanted to get more information about the loan. Regardless of the situation, Mr. Johnson kept stressing me that I need to pay the amount as soon as today and if I didn't it would effect my credit score. He mentioned that if I paid the amount, my credit score would increase by 80 points. Again, I told Mr. Johnson that I am not paying anything until I get more clarification about the loan and it remains outstanding.