F**? Sissy? You deserve all of the telemarketing calls you get!

Constance calling

I keep getting calls from this number.  There is never a message left and I have yet to talk to someone on the other line.

Yep, me too. 3 times now.

Same here. Just got 2 calls. sick and tired of this crap!

just wanted to know who is this that keep calling me from this number

This number, 253-363-9032 is calling me daily. I have asked several times to be taken off of their call list but they always hang up on me.

I received a phone call from this number and the guy was laughing they always asked for vannesa williams and he said the he likes her I told them that they have a wrong number but they keep calling to my phone next time I will report this number to the police.
I called back to the number and it said that if I want my phone number to be removed from their list press one I did it but they keep calling.

Same here. Just got 2 calls. sick and tired of this crap!,,,,,,,,,,,This number, 253-363-9032 is calling me daily

Keeps calling

got a call saying that a mechanical breakdown has expired on my dads vechical. i said we dont want this and he said fine we will repo the vehical then

253-363-9032 called my home about a 2005 LaCross that I do not have, did not give company name, so I hung up the phone.

Random calls... generally in the afternoon/evening time EST, almost everyday. This is a nuisance. Not sure how to get it stopped.

THIS IS NOT THE FIRST TIME THEY CALLED, IS COMING FROM TACOMA WASHINGTON....
SOUND LIKE SOME F**, A MALE WITH A SISSY VOICE....
TOLD ME THAT I HAVE NEVER EXTENDED MY EXTENDED WARRANTY WITH THEM.....
I NEVER HAD A EXTENDED WARRANTY WITH ANY ONE.... AND SURELY NOT ELSE
IDIOTS.....
STATED MY ADDRESS, AND TOLD ME THEY BE COMING TO REPO MY CAR...... HAD MY
ADDRESS
( BOTH OF THEM ARE PAID FOR AND WE HAVE THE TITLES)
I TOLD THE F** THREE TIMES I AM ON THE DO NOT CALL LIST DID NOT EVEN
PHASE HIM......
I AM REPORTING HIM TO PA CONSUMER
PROTECTION

no message, constant calling, this is harrassment

I just received several calls from 253-363-9032

I just picked up two phone calls from this number today.  I called back and it was a recorded message to press 1 for do not call.  Otherwise, the woman asked for my husband and when I replied that I was he, she said, "your a woman and you're a liar"  Real professional.  It was all about an extended warranty for my car.  Now that I see it's about scamming people out of money.  I can't imagine how they could possibly earn a dime!  I do wish I got the last word but, I have to laugh knowing that I'm not alone in this and that there are others who have been subjected to this absurdity.   What idiots!  You could actually be spending your time for the betterment of yourselves and society.  Why spend your life being useless?

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

http://800notes.com/Phone.aspx/1-646-274-1143/3

These people keep calling my number asking for another person.  The last moron tried to convince me he was with the FBI and threatened that I could be in trouble for giving false information.  I asked to speak to his supervisor, of course...he suddenly become his own supervisor.  He could hardly speak proper English.

Computer message offering me a free credit card terminal or a web site for my "new business"

they call asking  for my wife they wantet to know if we stell have van, then the girl said she call back later

The people has been calling for the last few days and today was the last straw, wife answered and told this person i was out side and asked if she could help , his  remarks were I want to s**k his c**k . I will seek an lawyer for this one.

The caller id showed did not show a name or even "unknown" and the number 253-363-9032. The caller id actually showed a long number that started with the letter "V" I answered and no one said hello so I immediately hung up. I keep getting calls from this stupid number but no one ever says anything. Usually it just hangs up immediately. It's really starting to tick me off. And then with the caller id showing that weird number that really bothers me. Makes me afraid to answer the phone for fear of it being from some other country and there being a huge fee for taking the call.

Stop calling me you a***oles

i just got a fricken call too...wouldn't be surprised if they were from some island like jamaica... becuz they into world cup and also have people who speak spanish .... maybe its a skype phone number?? u can put whatever country and i think state u want too...

I have been receiving calls from this number for months. Noone answers when I take the call; it automatically hangs up. They really get under my skin because they call at least twice a week. I want them to be caught.

The woman ask for me by my proper first name.  She then asked if I still owned a 2007 Ford.
I asked who she was with.  She stated she was with Ford Motor Company.
I then said, yes, I do still have the car.
The woman then proceeded to tell me that she was offering me a last chance opportunity to extend my warranty.  My warranty was expiring soon.
I then told her she didn't work for Ford, else she would know that I hadn't bought the car new and didn't have a warranty to extend.
The woman's voice changed to pure venom - she daid" You kow you're an ignorant bi***!"  and hung up on me.

I am livid!  When I call the number back, I get a recording to press <1> if I wanted to be removed from thier list.
The number displayed as "service message"  :253-363-9032

That's it. I'm submitting complaint to FCC. This *tards got me....

This is an excellent idea! I have been getting calls from these people for over 7 years now... I cancelled a magazine subscription a long time ago and they keep sending me crap - particularly crap I do not want. I have reported these people but since they have no home base, the BBB can't seem to catch them. I have fought with these people for years and for some reason, that method never crossed my mind. I appreciate you for posting this. These people should be behind bars.

I HAVE GOTTEN THREE CALLS IN THIS MONTH, NO ONE IS THERE....
I READ ALL THE OTHER CALLS ,
PLEASE ANYONE WHO GET A CALL FROM THIS NUMBER DO
CONTACT YOUR STATE CONSUMER PROTECTION OFFICE
AND THE FCC...
GET THESE A***OLES BEHIND BARS WHERE THEY BELONG