I had a message on my phone that I was being investigated for malicious intent of bank fraud and soliciting money across state lines .A woman reported herself to be Alexa Lucas, Arbitration Dept.for State Fraud, Washington DC. The number left to return a call to is [protected]. When I returned the call she asked me when did I receive the message? I told her maybe yesterday, I wasn’t sure. Said she holds cases only 24-48 hours before it goes to the judges who rule on the cases. She asked me if I’d ever taken out a loan with CashnetUSA. I said yes for $200.00 in 2009. She claimed that I had taken out a $600.00 loan, 1.5 years ago and When CashnetUSA had tried to collect from my bank account, that I had had NSF. That I had been sent many e-mails and letters trying to get me to pay and that since I had not, It was now in the hands of an Attorney who is ready to submit the case to the Judge. And that I was being charged with the Felonies ;Malicious intent of Bank Fraud and Soliciting Money across State Lines- that charge was because CashnetUsa whom I supposedly took the loan out with is according to her located in Washington, DC. She stated that she was an arbitrator for Academy Bank and CashnetUSA and that she had to make this contact with me so she could submit a recommendation to the Attorneys in this case.That the case may be on the judges docket as we speak and that once he makes the ruling on this case, he will issue a warrant and I will be brought into jail 45 mins to an hour after case is decided. That I would or my family would have to post bail in order for me to not have to stay in jail and that bail would be $3, 500. She said I would have to stay in jail if no bail could be posted and I would have the charges brought upon me. and in this case, there is little doubt with all of the evidence they will submit: Electronic signatures, recorded calls etc. etc. Little doubt that I would be charged with these Felonies. She told me as she had looked at my records that she had found no arrests for anything like this and that she thought it unfortunate that it was being taken to this level since it was was probably some oversight of mine or some other fairly innocent reason on my part. She said now all she could do is take a statement from me about why I had not paid and she would then make her contact with the Attorney on this to see if they will make me any other offer. But that from her past experiences in these cases ( of which she handles cases for 20 States) If any offer IS made, In these procedures, I would have to most likely, need to provide them with about half of the $3, 500. I owed. And that now that I have shown that I did not pay the loan, No hardships will be given – Payments -except in whole . A debit, credit or Cashiers check would not be accepted. It would have to be money sent by one of those wiring services such as a MoneyGram, Western Union, JPay. and they would require it to be there today by 4pm or they would close arbitration and submit to courts by 5pm today. Once the money is received it would be considered an out of court settlement. No charges would go on my record . I told her that I was pretty sure I did not and could not have ever taken out a $600.00 loan because I am on disability and I would never have enough money to have a loan of that much. She got loud and mean and said she was not going to play that game with me, said she was not stupid. That I know I owe that money and now I’m trying to act like I don’t owe what evidence shows that I do, that she no longer was going to make a call to Attorney on my behalf. Now I was being brought up on charges of : Malicious Intent of Bank Fraud. because I had defrauded Academy Bank and the Federal Reserve for more than 6 months. I was told that was so, because Academy Bank who owns CashnetUSA had put up a bank collateral on the CashNet USA loan. Now Academy Bank filed a report of fraud with the Federal Reserve and that I owed an amount of $3, 500 plus legal fees. Plus the charges would be put on my record and I would be a felon. Social Security would be notified and I would never be able to receive disability SS again . That with this type of Felony, There is no way to dispute it with Social Security and win. I would be prosecuted for 3 times the amount owed plus 260.10% interest, plus legal fees . I was sure to have these charges put on me with all evidence against me. She seemed calmer and called me ‘honey’ saying she knew this must be hard for me and said she would go ahead and make a call to the Attorney to see if she could get a any sort of deal on this, she said she was going to do it right then and for me to stay on the line.When she came back on she told me that Attorneys were willing to accept $1100.00 to keep this out of court and to not report to Social Security and to drop charges. That the $1100.00 had to be there by 4 which is ending of business today or else it would be submitted to the court by 5 p.m.. She said that I needed to call her back within 1 hour if I was able to find a relative that could help me with the paying of this debt I owed. And that if I did not call her back within 45 minutes now, a federal Agent would be dispersed to pick me up and take me into custody in 45 minutes. I looked up some stuff on internet after this call and found several scams exactly like this.