I'm getting these calls at my job from a JOSH MILLER...ANDREW BELL...ERIC JOHNSON...and another person named ROGER...stating I, have outstanding loan for 350 with interest I, will have to pay 850 dollars back if not they were going to file charges against me it sound so real but, you see I've been scamed before of 875 dollars and I, wasn't going to send any money till did alittle research this time. But these idiot's told me if I, did not pay this they we're going to send the police to arrest and they told my job this as well so my boss is questioning me about these calls. now that I have done some searching I, can give some info.. BEWARE OF THESE  B....AS....T...AR..DS.

I get thiese calls 2 or 3 times a week at my job. I do do not owe money, I called my bank and there verified that this aswel.. I have reported it to everyone...

A man with a south Asian accent so thick I couldn't understand his name left a message on my home phone.  He claimed he was going to file a legal case against me with the courthouse tomorrow.  He knew at least part of my SSN and driver's license number.  Just so happens I've been through this before with another scammer--different number.  My lawyer advised me to avoid speaking with any of these scammers.  If this one becomes a nuisence, I'll file charges just like I did with his clone.

This company calls me and lives a message everyday. They also have a thick South Asian ascent. It's funny because on the voicemail, the man states his name is Michael somebody, but the person I spoke with said his name was Eric Johnson. You knew it was the same person. They said that I owed some money, and that they were a law firm. They could not tell me when I owed this money or if there was any paperwork. They told me to check my e-mail and that I had poor record keeping if I didn't have it. I knew it was a scam. They stated that they were going to take me to court and have the police come and arrest me tomorrow morning. I said "ok" (all happy like). They asked if I was going to pay the money or fight. I told them that my dad is an attorney, so I wouldn't have any legal fees and that "sure...I'll fight". He stated "ok maam. have a good day." and hung up on me. I called them back and told them that if they contacted me again, me attorney told me to file charges against them. What idiots!!!

This man, James Franklin is calling my cell phone and my work saying there is going to be a legal case filed against me and he has my SSN and Driver's license #, as well as my home address.  This is rediculous because I know full well that all my bills are paid on time.

I have recieved a few calls recently from this number, I dont answer the calls and they leave me messages telling me about the lawsuit and how I need to call them back right away before they have me arrested. I know its a scam considering there is no information about this so called company on the internet. I called back with a restricted number and played this guys game also, everytime he answered and said hello I hung up on him. I did this for about an hour until he just started answering the phone and hanging up right away. Today I called and tried to speak to the guy, also with a restricted number so they dont know its me and keep pestering me on my cell phone. The guy was very rude, called me a moron, a stupid s**t and told me he was going to f*** me sideways in every hole on my body and hung up on me. I called back and asked to speak to a manager and all he told me was that if I had a problem I could just talk to him and he hung up. I called again and said 'who is this' and he said its the same person that just said all the other obscene things to you, you moron and hung up again. Im done trying to find out who it is and if I get another call I will be filing harrassment charges against them. Dont fall for if, they are such scammers! No legal law agency would treat people the way I have been treated today. They also change their caller id number so it shows up as different numbers calling you, but its always the same number they leave for you to call back in the voicemails. Be careful and dont give in!

A foreign call and told me i owe a pay day loan for $300 which i dont owe any payday loan companies.  Told me i was going to have a law suit and be arrested for writing a bad check, they were very rude and would not provide me any proof i took out this loan, i check my bank they are liars

These idiots called my work number recently! The guy said his name was John and that he had some attorney on the line, I asked what it was regarding, he stated he woulg get to that, I hung up and then they called back, & I let it go into the VM and the fools left a message stating his name was Nathan Brewer, threatening me. I waited until lunch time to call them back and laid into them that if they did not stop harassing and threatening me I would have someone come and arrest them. They have violated so many laws, they are the ones that owe money. Bunch of freaks!
Also, they change #'s and call periodically! Just submit a complaint every time.

Listen it is against the law for them to make threats that they have an attorney on the line! There is never an attorney they can never sue you (they lie) it is against the law for them to threaten you so tell them that you are going to report them bc its against the law and they cannot fake being an attorney or having an attorney on the line - tell them you recorded them to give to the police trust me they will shut up! My husband talks to these scumbags everyday (he is a debt restructurer)these jerks say whatever they can to get you to pay the truth is its not legal and the stuff they are threatening can't be done EVER!!

A call through my office looking for a co-worker that does work here.  Their number came up as all zeros.  He had a very heavy accent.  I began asking him questions about the name of his company, the phone number, etc.  He began to raise his voice and wanted to speak to my Manager.  I informed him that this was a business and he was not acting professionally.  I also informed him that I would report their company to the Attorney Generals office and to the Better Business Bureau.  Their company name is: Affidavit Consolidation Services.  He also said that my co-worker had used our companies information to get a loan.  I asked how was that possible; of course, he would not answer. His tone immediately changed.  They are scammers.  It is against the law to threaten anyone with criminal charges which is what he stated as well.  If they can't show their number, they deserve to hear anyone's voice; only the voice of "DT" a.k.a. "dial tone".

http://800notes.com/Phone.aspx/1-714-333-2981

This is just another one of hundreds (and perhaps even thousands) of numbers these overseas payday loan debt collection scammers are calling from:

http://800notes.com/Phone.aspx/1-904-425-9141:

It's a scam, and all their threats are false and illegal.  The bottom line is, these are criminals trying to steal consumers' money.

Here are a few news reports and government advisories warning consumers about this scam:

ABC News:  http://abcnews.go.com/Business/story?id=5621205&page=1
West Virginia Attorney General:  http://www.wvago.gov/internetloanscam.cfm
WTAE TV4, Pittsburgh:  http://www.thepittsburghchannel.com/call4action/17285785/detail.html
Florida Commissioner of Consumer Services:  http://www.800helpfla.com/newsletter/2008/092008.html

This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobbylgook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Christian Nicholas & Associates, US Federal Bank, Sonic Bank, Hopkins Law Office, CashNet, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)

A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (
http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 )  There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Here's the contact information for the phone bank in India:

IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com

A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:

Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com  
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )

Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.

This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):

1) The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.

2) Alert the FBI at https://tips.fbi.gov  Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.

3) File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.

4) File a complaint your state's attorney general, the contact information for whom is at www.naag.org

5) File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a *small* sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

http://800notes.com/Phone.aspx/1-336-553-3965
http://800notes.com/Phone.aspx/1-888-909-6789
http://800notes.com/Phone.aspx/1-925-262-1327
http://800notes.com/Phone.aspx/1-678-954-6346
http://800notes.com/Phone.aspx/1-888-341-4004
http://800notes.com/Phone.aspx/1-856-831-0640
http://800notes.com/Phone.aspx/1-949-743-1140
http://800notes.com/Phone.aspx/1-410-505-8128
http://800notes.com/Phone.aspx/1-917-464-2534
http://800notes.com/Phone.aspx/1-210-858-6602
http://800notes.com/Phone.aspx/1-888-775-2121
http://800notes.com/Phone.aspx/1-310-909-8245
http://800notes.com/Phone.aspx/1-949-743-1156
http://800notes.com/Phone.aspx/1-214-245-1402
http://800notes.com/Phone.aspx/1-214-245-0922
http://800notes.com/Phone.aspx/1-214-723-5572
http://800notes.com/Phone.aspx/1-904-425-2863
http://800notes.com/Phone.aspx/1-718-831-7157
http://800notes.com/Phone.aspx/1-904-425-2857
http://800notes.com/Phone.aspx/1-858-244-0444

...and, many, MANY more.

A man with heavy accent by the name of James Carter calls my job three times and says please call me to clear your name of these charges that have been brought up with you SSN, when ask for paper work on this they say do you check your email. I say you did not send any of this I check my email daily and allmy spam so that a lie. they still call. How can they stop calling me this is annoying.