He will tell you that you will be arrested or have a warrant if you do not send money. Its a BS! They got my daughter on the phone she just turned 18 & told her if she didn't send them at least $100 dollars of a $900 dollar debt they say I owe then she would be served with a warrant by 5pm! DO NOT FALL VICTIM TO THIS PIECE OF $h*t
My Coworker also recieved the same call!

They called my boyfriend phone sayin that he has to pay or will go to court because his friend used him as a referance /// so i looked up the 3 right away and saw a ton of complaint about this #

Called me to saying they are gonna put a warrant out for me glad I found this site first. The area code is from New York and I dont live there.

THEY CALLED ME TODAY FIRST ON MY CELL AND THEN AT MY WORK WHICH BY THE WAY I WORK FOR A FEDERAL AGENCY SO HOW THEY GOT THIS NUMBER IS BEYOND ME.OF COURSE LIKE EVERYONE ELSE THEY BASICALLY ARE SAYING YOU OWE US MONEY WE CAN SETTLE THIS RIGHT NOW FOR A SMALL AMOUNT AND THEN THEY ASK FOR YOUR PERSONAL INFO AND FOR YOU TO SEND THEM A LETTER WITH THAT INFO ON IT. DONT BE FOOLED PEOPLE!!! WHAT I BELIEVE HAS HAPPENED IS THAT YOU HAVE FILLED OUT SOME RANDOM APP ONLINE AND YOUR INFO WAS PHISHED. THATS THE ONLY WAY I KNOW HOW THEY COULD HAVE GOTTEN MY WORK NUMBER SINCE THIS IS A FEDERAL BUILDING AND OUR NUMBERS ARE NOT PUBLICLY ADVERTISED

Received a call from this number above stating that he was officer James Peterson and that there was a warrant for my arrest for a loan for 3,500.  I've never taken out a loan from anyone, ever.  It was a family member and I was a reference and I needed to pay today or I was going to jail.  He was harrassing me and told me to get a criminal lawyer.  I told him that I was going to hire a lawyer to investigate him.  He said he was sorry and I told him to remove my information or I would find a way to press charges for unauthorized use of my information and unsolicated calls. He hung up.  

Thank you,
B. Escobar

So I called these guys and gave them a fake name because they are calling people in my city.  I was insistant that they called me last week and said I owed them $.  They searched their data base (using the fake name I gave them) and to my suprise I did owe them $450.00

I laughted inside because them began to tell me this money I owed was over a loan payment.  I asked to speak with the supervisor (Brandon Woods) who game me instructions on how to pay him.  When I was finished messing with him I told him I was a Police Officer in California and had been recording his conversation.  I said I was going to email his voice to the FBI and I would be calling him every day, just to mess with him, and there was nothing he could do about it.  I got really mad and his entire "professional" side disapeared.  I hung up on him and tried to call back about an hour later but the line had been disconnected.  

Dont fall for these jerks....Stay safe

They called my job and left a threatening message for a third party to hear.  They claim they were law enforcement.  They were very nasty.  Left three messages that are nasty threatening me but never said who they represent.

This person called my phone tons of time threatening me said i was used at a reference and threatened myself and my 13 yr old son i told him i would get ahold of the consumer credit counselors and he never called back

Someone called my home today from a local in town number, He spoke broken english and said he was officer Mike Stone and that he had an arrest warrant out for my husband. He needed to speak to him ASAP...YET the return number he gave me was in Florida. My husband called him back and he again said he was Officer Mike stone and that we had taken out a cash advance, Which was untrue. My Husband told him where to go and hung up on him

  The number he called from was
      239-444-3191

Said I needed to call ASAP to stop some kind of action

Kudos to "Sam" for giving the most intelligent and informative posts of 2010 on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

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

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.

PS--The FBI sent out a Press Release on this scam just last week:

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

I received a call from "Officer Ricky Watson" yeah - right! So thick an accent..and an American name. Anyway...I have received at least 6 calls. I tell him to stop calling, I know he is a scammer...but no luck. What, does he think I will get tired and pay to shut him up? Once they know they are identified, don't they EVER quit???

The Law and Investigation Department is really driving me crazy!!!

Thanks!

So I called these guys and gave them a fake name because they are calling people in my city.  I was insistant that they called me last week and said I owed them $.  They searched their data base (using the fake name I gave them) and to my suprise I did owe them $450.00

I laughted inside because they began to tell me this money I owed was over a loan payment.  I asked to speak with the supervisor (Brandon Woods) who game me instructions on how to pay him.  When I was finished messing with him I told him I was a Police Officer in California and had been recording his conversation.  I said I was going to email his voice to the FBI and I would be calling him every day, just to mess with him, and there was nothing he could do about it.  He got really mad and his entire "professional" side disapeared.  I hung up on him and tried to call back about an hour later but the line had been disconnected.  

Dont fall for these jerks....Stay safe

An officer named Mark Wilson called and said I owed someone  some money and he said I needed to pay it right away. He had a very heavy accent and wanted me to send him a Visa prepaid card and thats when I thought this is not real. Because he asked me to send him a copy of my ID or my drivers license. He gave me a fax #206-666-4031. So I decided to look it up on the internet and found that it is a scam. The phone number is347-674-0997. Good thing I looked It up or I would have been scamed. I am off of work from injury and im fighting my job about getting paid. Im going to turn this number into my lawyer. What do you do if they call back?

Isnt Brian Wilson the lead singer for The Beach Boys?

I JUST got this same call! Scared the heck out of me but I came straight here, knowing that I would find out what was up.

He called himself Officer (unintelligible) and said I was under investigation by something like the State Department, but not that exactly. He said they had my address and SSN and do not "try to disregard this call". Honestly, he sounded kind of drunk. He was definitely foreign but his voice kept changing. really weird. It scared me a bit, but I just knew he had to be a fake. No Officer of any kind would be calling people sounding like that.

Not only are these guys calling my husband at work and me at home, they have called my sister.  I found this website and the next time he called I told him I was on to him and have recorded all the threatening messages.  I told him I reported him to the Attorney General but that didn't stop him from calling right back.  I picked up the phone and told him that I knew this was a scam and I had all the time in the world to find out where he was.  He proceeded to tell me what he would like to do to my body.  Hope someone finds this creep soon.

I just got a called to work n my cellphone saying it was an officer. His argument was that I owe a loan and that I had to pay him $787.00 today or I willbe an a lawsuit for $3,000.00 something about an affidavit and my s.s. will be held and my bank account. A lot of other stuff he also had a deep voice sounded like a foreign country person with smart comments. He almost wanted me to come to an agreement and gice him at leat partial payment of $250.00 which I told him NO. He said he had all my information and that I will have to go to court for a criminal lawsuit. After his call I look up information and thank god I found this to no its nothing but crap.

These tw@ts called just again and are asking if the officer is still coming to see them.  I said I'd call the officers and tell them to hurry up.  This is classic.

You know, as long as they're calling my stupid Google Voice number every 2 minutes it means they are not on the phone harassing anyone else, and that's all that matters.

LOL!!! I hope they call me again (i'm sure they will), I got some more tricks up my sleeve! =)

ROTFLOL!!!!  That's even better than what I just did!  I posted what happened up the page a little bit, regarding Officer Derrick Johnson.  They are still calling me right now panicking because they think the cops are coming to get them.  Things is, they have never even called me, I just saw this thread and wanted to be an azzhole to these clowns for scaring the pants off of people.

Aaahahahaha.  I saw your post, called the number, said I'm from the police department and we've been receiving complaints that a Derrick Johnson was impersonating a police officer.  It went down like this:

Him: "A police officer?" (very thick accent)
Me: "Yes, you are impersonating a police officer."
Him: "Yes."
Me: "Yes? Yes you are impersonating a police office?"
Him: "Yes"
Me: "You know that's against the law, right?"
Him: "Yes"  - at this point we are having a huge language barrier and he is just not understanding what I'm saying.

So then I ask for his address so we can send a couple of officers over to have a chat, he gives me what is prob. a false address in NY and I tell hium we'll have someone get down there shortly.

About a minute later, I get a phone call from a guy saying he is the supervisor and he would appreciate it if I would not come to talk to them.  HAHA WIN!  I tell him that we're already on our way.

So as I am typing this very thread he calls and calls and calls and I finally answer it and he says he would like to file a complaint about the lady who just called him and said she was coming to visit.  So I play along and take his complaint, he tells me she (me) threatened to take him away to "be put behind the bars".  I tell him "Oh no, sir I was sitting here when she made that call.  She just wants to come chat with you about the the complaints we've received and she should be there in a bout ten minutes."

He is calling again as I type this LMAO.

HA! When I got the first call like 2 weeks ago, it really did scare me bc they were saying they have three lawsuits against me and I was driving when I answered..... I slung my car into Hardee's parking lot and was like "WTF did yo just say?" a...nd they hung up on me... but I decided to play along with it and see what all I could find out about this nutcase... I told him today that I wanted to pay him all I owe just to make his nuts jump a little bit and then he said it will be $10,000 total and I said okay call me right back i have to get my debit card LMAO!!! He called back and my mom started talking like that Chinese guy in that Hangover movie hahahaha it was toooo funny.... my mom was like "you not get no money from me mudda fu*kaaaaaaaa" "suck on deez nutssss" hahahahahahahaha!!!!!!!!See More

"Shaun Washun"

LMFAO!  That's almost as good as when Officer Jack Daniels called me.

I have been getting phone calls from an "officer Shaun Washun" telling me that I owe money for a loan and if its not paid immediately i will be arrested. They have my old address, bank info, and EVERYTHING!!! UGH! They call from a NY phone number 347-674-0997. He actually left me a voicemail telling me that if I chose to ignore his call and not pay, that all he can do is wish me luck as this situation unfolds on me. I wish like H*ll I could find this guy and choke him OUT!!!!!

I have also now received two calls from an Officer "somebody other" with an extremely thick accent threatening me to pay money or have a law suit against me.  The first time I told him that he provided me with information showing me where and how I owed the money I would discuss making arrangements.  He told me that I was being uncooperative and that I left him with no choice to move forward with his suit.  I told him "good luck" and he hung up on me.  The second call came into my phone as 052-562-557 which I thought was strange so I refused to answer.  The man on the phone again called himeself "Officer" and left a voicemail again threatening me with a law suit if I did not return his call and make payment arrangements.

Officer Derrick Johnson and Officer Lloyd from the Law and Investigation Department have been calling my home for about 2 weeks looking for someone I don't even know. I am so glad I found this thread. Thank you everyone for such great information; it only confirms my suspicions of a fake. I have tried to call and take my number off of their list 3 times, but obviously it didn't work. Then the message last night actually listed this poor man's social. I will report this. Save all voicemails. I deleted the first couple, but have already saved three more.

HE CLAIMS THAT I OWE A PADAY LOAN THAT WAS DEPOSIT INTO MY BANK ACCOUNT. THATS NOT TRUE HE THREATEN ME THEY WILL SEND A POLICE OFFICER. HE SAID HE WAS OFFICER DERRICK JOHNSON.NUMBER IS (347)674-0997.

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