Called for my husband saying we needed to contact our lawyer asap bc of our courtcase and we had to call him back. Guy was indian and we have no courtcases. SCAM!

Called for my husband saying we needed to contact our lawyer asap bc of our courtcase and we had to call him back. Guy was indian and we have no courtcases. SCAM!

SCAM!  Some stupid Indian guy keeps trying to call me from this number.  He says I owe money, blah blah blah, and I will go to jail if I don't give him money.  I told him I was realllly scare, so scared that I might have to block his number for fear of the terrible consequences that any further conversations might cause.

They call and ask for a social and say they work with the government. I have had payday loans, and those companies contact you directly. they said that if i didnt pay they would come to my house and my job. SCAM!!!!!

PS I'm making dinner for them wonder if they will show.

I got a call from this Indian sounding man saying we need to call r have our attorney call & if we don't call he wishes us good luck then.

They have been calling me for months demanding that I pay a Pay Day loan that I don't have.  I finally got tired and told them that Lisa had passed away of a heart attack!!!!

Just an FYI for all of you,  I get those calls, and one day they started @ work. And the little Indian guy got filthy and beligerant. I happen to work on a univeristy campus who has a police department, and I happen to work in a department that is part of the police dept. I called them, they came and took my statement, I also filed a report with my florida district attornies office, and a report with the federal trade commision. There are a dozen investigations in my county alone with phone calls like these, that you $, they are coming to take you to jail, they are going to get you fired, so on and so forth. Well as I suspected, the phone calls come from India, they use dump cell phone #'s, my calls have been traced to American Legal Services, and other places with the "american" in the company name. It's anything but American!  I have gotten calls from 347-635-5952, 510-936-6888, 209-729-3811- If you continue to report (especially when they pose as a police officer) we can put a stop to the calls. The last call I got was in November, I gave them the name and # of my investigator with the states attornies office, and the one with my university police detective, and advised that I filed a claim with the Federal Trade Commision. There have been no more calls. You could sue them for harassment, (not that is would get very far), but its a option.  I have a pretty thick skin, and don't let most things get to me, however, when these people called me @ my job, with the nasty profane language, very sexual in nature when I told them I was hanging up, and then called right back and an unexpecting fellow employee picked up the phone they got nasty with them as well, thats when I had had enough. It takes time, but you can fight back!

My fiance began getting these calls in March and still gets them sometimes. We have talked to the police, district attornies and federal trade commission. They file reports on these people all of the time and will tell you what to say to them when they call.  Its a scam! DO NOT give them your money.

Called said I owed 700 dollars in payday loans and had to pay today.I have never had a payday loan
Told me I had a hour to call him back with payment

I've been trying to report an email scam to '419.fcd@usss.treas.gov', but keep getting Undeliverable message.  Anyone know if there's another email address to use?

My fiance has been getting these phone calls since March. At first it was really scary because they were not calling and harassing him but they were also calling myself and his roommate in regards to him. I couldnt find any sites like this at the time but I did my research and found it was not legit and decided to call federal trade commission and the local district attornories.  Both told us to tell the callers that they have been reported to the ftc and da and then to ignore the calls. Unfournately, the guy calling (I belive it was Eric Long) was relentless and called 90 times in a 24 hour period, so my fiance went to a cop friend and the cop answered when they called.  He still gets the calls about twice a month but they go ignored.
Tonight I got my first threatening phone call about me, I told the woman i knew it was a scam.

call my job leaving message to my employee. Tell them Iam going to jail threating them. To
get in touch with me. I feel like there are giveing  my employee to much information. Know I lost my job behide these message.

I got 1 call from this number saying I had criminal charges pending against me and my SSN, this is not the first time I have received this phone call but it is the first time from this number. I called it back to tell them that I was going to report them only to get some smartass telling me he is buddies with everyone. He said his name was Justin Floyd and had a very heavy middle eastern accent. I then hung up on him and he called me back telling me to give him a kiss, I then hung up. He called again telling me he loved me, I hung up. He has called back multiple times since then but I have just ignored it, I hope the calls end. Any suggestions to get them to stop calling??

My yahoo email accounts & facebook account was hacked.  I couldn't get into it.  They sent out emails to my contacts stating

Subject: I need your help



Am in a great sorrow writing you this note, Just wanted to inform you about  something very important, I could bearly think straight at this point, I hope you come to my aid. Because something very terrible is happening to me now, I need a favor from you now, I had a trip here in Madrid city  (Spain).

  Unfortunately for me all my money got stolen on my way to the hotel where I lodged along with my bag were my passport was, And since then I have been without any money I am even owing the hotel here.

  So I have limited access to emails for now, please I need you to lend me about 2,500 Euro so i can make arrangements and return back. I am full of panic now, the police only asked me to write a statement  about the incident and directed me to the embassy, I have spoken to the embassy here but they are not responding to the matter effectively, I will return the money back to you as soon as I get home, I am so confused right now. I wasn't injured because I complied immediately.

I will be waiting to hear from you since  I can't access the internet always

 Best Regards

Has anyone had a bad experience from this call? did these losers actually took your money or brought you to court??Let me know asap so i could be aware!....cuz this looks like complete buuuuuuulll.! thnx!

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

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

I got a call fom the same number 347-635-5952 and the first one the guy said his name was Michael Smith and I totally went off on him because I new that I had never taken out a loan from any payday advance. Then second call came in the guy said that his name was Alex Smith and that I needed to speak with his boss named Ricky Parker, so I said okay and then I went off on both of them. I then called the number back and started to harrass them and I got I so agitated that they have never called back since. I told them that if they continued to make these calls to me that I was coming to get them and I also let them know that I knew that the calls were coming out of New York.

I several calls from this guy Claiming to Be First Russell Williams and advised I call him back at 209 439 7013 that number just rings and rings.  

Then a week later same guy called my job again and gave this call back number.  When I called him back, he kept trying to get me to verify my info.  I would not.  When I told him i needed to know who he represented he refused.  He said he would have someone to my job today to pick me up and take me to jail cause I would not cooperate.  I told him to do whatever he felt the need to do.  I have never taken out a Payday loan.   I applied on a site for a car refinance, and declined the offer at the end.  I can only assume that is where they got my information.

I just called him back after emailing a message to the Orange County Sheriff's Department, asking them to investigate this person for impersonating a police officer.  I called him back to inform him, and he was like, "May I know who's calling?"  I said he already had my information and told him that impersonating a police officer is illegal and he could go to jail for it.  Then somehow magically he knew my name!  I repeated that what he is doing is illegal, and that he would probably hear from the OCSD within the next 24 hours.  He laughed and said, "I am laughing at you because you're going to lose your job tomorrow."  WTF!

After receiving yet another harassing message from the heavily-accented "Officer David Jones of the Orange County Sheriff's Department," I decided to call the number this "officer" gave me for "the law firm" that would come to my house and take me "to the courtroom."  The same exact guy answered the phone!  I told him shortly that I'd received this message from Officer Jones, that I know he is not an "officer," and since he threatened to come to my house, I'd taken the liberty of reporting this impersonation to the actual Orange County Sheriff's Department.  He got flustered and said, "You want to talk to Officer Jones, hold on," and then put me on completely-silent hold.  After about a minute I hung up, as he was probably hoping I'd sit idly for the next half hour while he called a few more people to scam them.  I'm thinking I should call him back and scare him some more.  Would love if I could get an actual Orange County officer in on a conference call.

I just got a message from "Officer David Jones of Orange County Sheriff's Department," with a heavy Indian accent, telling me that if I don't answer the calls from the law firm (he didn't give the name of the firm) at 347-635-5952, they would come to my home address (which he read off) and take me to the courtroom.  Or I could call 347-635-5961.  If it wasn't for this site, I would be terrified -- now I am just outraged, and I'll remember to lock my apartment door tomorrow morning just in case.

same thing happened to me on the 24th of November, they called cussing me out and saying all of that stuff about check fraud and money laundering and online payday loan, told me that an officer would come pick me up at work (where i would lose my job) and extradite me to Michigan if i didnt pay. i asked "Ricky" if i could pick the officer of my choosing to take me on my free ride to michigan? (i was standing b.s.ing next to one of my buddys in blue at the time of the call!) "Ricky" proceeded to bad mouth my cop friend before telling him he was a corrupt cop and this is why america is a terrible place to live! MOVE THEN AND LEAVE US ALONE! papers have been filed in Bell County TX, Thanks Officer Fudge!!

I Too recived a call from this company today while I at work first I noticed the gentleman had the rough accent in his voice I don't have anything agianst that but, I clearly heard when he said leagal matter and court. He immidaitely got my attention I asked agian what this was about I couldn't undertand him very well. I asked if perhaps I could speak to some else. " Justin Crowe" He claimed to be the supervisor I asked I am sorry what is this regarding he said I had taken a Payday loan in 2005 and I was being suide. I aksed for how much he explained that the I needed to pay the amount and that if I didn't they wouldcome to my job and tell my boss what this was about. bottom line I asked for information they said they couldn't get to me he said I was a bad american and I was guilty of fraud and so on....What I do...

I have been receiving these phone calls for the past three days, always from a man named Michael Michaelson with an extremely thick Indian accent. Asking for someone who isn't even me and saying that he is an attorney for a Cash Advance Company and that if they don't receive their money or a call from my attorney that I will be going to jail. He is always very nasty and abrasive in his messages. Today I called back to explain that this is a new cell phone number for me and that I am not the person that they are asking for, nor have I ever taken out a cash advance. The gentleman I spoke with claimed he wasn't Michael Michaelson even though in his voicemails he says that is his direct line. He then started a fight with me saying I was lying, that I was who they claimed and that I did own the money, before he hung up on me he did tell me to "eat s*** and die." I contacted my local police department who told me to call the Attorney General's office in my state and to contact the police department in New York from which the calls were coming. I have filed a report with both places.

I received a call from Ricky Parker at the above number saying I needed to pay back an online loan I never made and fax them all my bank information to withdrawal payments. Thank god I was told to google the phone number and found out I wasn't the only one. I almost fell for it.

12-3-10 - i just got a call from them on my cell - left me a message - it said if i dont call them back, they will see me in court.  So I called back.  Some Indian man answered! Unfortunately, he had me going for a while, and I was scared too death!! I knew I had not taken out a loan on line in 2008, but I thought maybe someone stole my identity! He was so nasty and rude, and told me they were coming to my work with a supeana, and that I need $ for a lawyer, and that I would go to jail if I dont pay it.  It was the worst experience I had in a while - and my face was all red, and my heart racing! How do we get this guy????  All I know is the phone # is in Queens, NY! AWFUL!!  :(  I finally was smart enough to google the phone# and found MANY complaints

yeah..but how can we do that?

We all need to report these LOSERS!! Justin Floyd,,Lisa Long(lmao) ,Ricky whoever and Morris w.e! Its ALL BS!! and It really does shake ppl up and could veRy well give one a heart attack! I got the v.mail from "Lisa" to call back the second i hear her vm when i call i get "Justin" I said whats r name to him he saidJustin I said let me guess JUSTIN CASE RIGHT?? lmao! He then got really mad askn if i took the money for drugs..?? wtf?? I said No i paid Ur mom to stay out my trash and im using the rest on my atty! He cursed me out n hung up.. I admit I was a lil takn back by the whole thing I mean I have 2 children Im a hard working mother and wife and for someone to call me with this nonsense or anyone else for that matter NEEDS TO BE STOPPED!!!! MAYBEEE we should all start prank calling them using FAKE caller Id =)

YES I GOT THIS SAME CALL TODAY FROM A LISA AND WHEN I CALLED BACK IT WAS A WEIRD GUY NAMED OR CLAIMED TO BE NAMES "JUSTIN FLOYD" AND HE ALSO STATED THEY WERE LAWYES AND THAT HE NEEDED ME TO TRANSFERR 10,00 INTO AN ACCT BY MORNING OR IWAS GONNA GET IT..??? WTH?? SOME PPL NEED TO GET A DAMN LIFE IM REPORTING THESE PPL FIRST THING IN MORNING TO FEDS! I was worried at first but then when i got o thinkin LAWYERS dont threaten ppl nor do they block their numbers when caLLINg! what a crock! and I know damn well i didnt get no damn money from a payday or whatever! UGhhh

This scammer called my cell number and I am registered on the do not call list ! my cell is 707-849-1500

Kevin