347-709-3360
NY, US
victim as well
victim as well
2013-10-02 19:30:37
Unknown
same exact email, please beware EVERYONE who checks this out!
MC
MC
2013-10-02 12:38:05
Unknown
I also just received an e-mail response from this person after inquiring about a job listed on craigslist and it said the same exact thing.  It's definitely a scam and unfortunately not the first one I've gotten after applying for a job on craigslist.  I will be flagging it so it is removed.
KD
KD
2013-10-02 06:00:27
Unknown
I didn't receive a call from this number, but I did receive an e-mail with this number on the bottom after I had applied to a job on craigslist.  

I'm not sure if my application e-mail got intercepted, or what, but I received a spam e-mail back from a "Frank Andrews" about how the secretary position I applied for was not open anymore, but he had a "personal assistant" position open for me.

The e-mail asked all kinds of questions: name, address, e-mail, and age (among other things).  No job can legally ask you your specific age, so I knew it was a scam.  They also stated in the e-mail that they had looked over my resume; if that is true, they would have known most of that stuff already.

Beware that they are sending e-mails looking for personal info, and offering jobs.
Michelle
Michelle
2011-06-27 15:41:47
Unknown
I have already told these people I have NO loans and I reported them to police. The calls stopped for a while and I just got into to work and I got another voicemail from some indian guy with an american name.  They werer told in the past not to call me at work or call me anywhere again and now it has started up again.  TOld me to call 347-709-8085 or someone will arrest me.  Then said something I couldnt understand then said God Bless You.  THIS NEEDS TO STOP
jordan
jordan
2011-06-06 20:46:39
Unknown
Got a call from this number and his name is Mike Henry. same old crap they say on the rest of them. will call back today and give him a piece of my mind and let them know i know they are scammers!! JERKS!
JANIE GOMEZ
JANIE GOMEZ
2011-02-23 05:42:29
Debt Collector
These are the worst kind of animals.  I too am fighting back.  Unfortunely my sister paid them 500+ i told her it wasnt but because i was going thru a bad times, she paid thinking she was helping me out, because my health, I am good now and watch out, his name was Sean Black,atty, officer etc etc, he threatned me and know i am getting more of these calls, same thing differents number.  I am going to pursue then, just like they did, and i will get my sister back her money.
SELOCHKA
SELOCHKA
2011-02-21 18:40:18
Debt Collector
they then called my job twice more, at which i told them i found that they were scammers online. i could hear in the background that they were yelling at other people. when i told him i knew he was a scam artist, he threatened to call my job 50 times a day, then said now i want to talk to your employer, i dont want you to pay, he said i will tell everyone you steal money, and i said, go ahead, my employers are all attorneys, then he said f*** off. i talked to the bookkeepers and she is going to see if they can block the number. i have reported them to the FTC and will be contacting the FTC by phone tonight.
selochka
selochka
2011-02-21 17:48:07
Debt Collector
these people called my job today and said i owed 500. he said i took a loan out in 2010 which i never did. i have never given this number out to anyone as i just started a few months ago. the secretary gave me the message and said it sounded weird. guy with indian accent called my work phone and threatened me, yelled at me, thats when i knew it wasnt legit.
had my info, ssn and address. total scammer. how do we report these numbers!!!!!!
Cortney
Cortney
2011-02-19 16:06:23
Unknown
These people started calling me about two years ago but I always ignored their phone calls.  They started calling me at work this past week, and told me I was going to be arrested and a felony was going to filed against me.  I didn't know what they were talking about, but it scared me because I've never had anyone call me at work like that.  Thank you all for your posts, though...because after I hung up the phone I googled their phone number and read what everyone wrote.  I immediately called my bank and had my debit card canceled and told them what was happening.  A couple days later these men started calling me again.  I told them I found out they were fraud and they didn't have access to my money, and what not, and they started calling me a f***ing bi*** and a w***e and said "give me your f***ing money".  Any legit company would not behave in such an awful and unprofessional manner.  Again, I want to thank everyone who wrote in here.
JAZZIJ
JAZZIJ
2011-02-17 22:21:58
Debt Collector
I have just started getting calls from these people from a +0000000 number, they also called my work number and I told them that no one works here by that name. The guy just replied, "Oh Really!" Again, the accent is of Indian decent and very hard to understand. Either way, I will let my supervisor know that this is a scam and to ignore the calls; same for my family.
Shawn M. Robbins
Shawn M. Robbins
2011-02-09 23:28:01
Debt Collector
Unwanted Phone call
tootie
tootie
2011-02-08 21:36:43
Debt Collector
these people call me very day with the same stuff adv them to stop callin but wont
Anotherfaceinthecrowd
Anotherfaceinthecrowd
2011-02-01 19:20:05
Debt Collector
So I have just started receiving these calls as of 2 days ago.  I instantly freaked out because I have never gotten a loan from anyone except from a bank.  Let alone just filed bankruptcy so I didn't have anything left to give.  I thought my life just hit another train wreck.  Well I called my lawyer right away.  He was baffled when I told him all this was going on and told me to give his information to the people.  So I called them back, that was a rush....they were so mad at me for calling.  They wouldn't take my lawyers information and hung up the phone after some very nasty works exchanged.  So I called my bank to make sure nothing was going on with my accounts since they have all my information...I MEAN EVERYTHING.  Bank found nothing going on with it so they are freezing my accounts to let nothing go through except authorized transactions.  This was all the other day.  Today they called me from a 000-000-00 number...well that's a crap.  So after yelling again and exchanging more nasty words, now my lawyer is totally hard ball on getting these people stopped.  So if they are reading these...GAME ON!!!  You have messed with the wrong lady...LOL!
Melinda
Melinda
2011-01-28 15:11:48
Debt Collector
I started receiving calls from the same company yesterday 1/26. The caller ID # shows up as 000-000-000. They left a message saying his name is Stephen Davis, he had a heavy Middle Eastern accent as well, I had to listen to the VM like 6 times before I could understand what he was saying.

I guess apparently a friend of mine used my name as a reference and now this company is calling me because supposedly my friend owes  $ to a finance company. On the VM they said please call 347-709-3360 ASAP.
Umphlettk
Umphlettk
2011-01-26 01:34:57
Debt Collector
Someone stating his name was "Officer Steven Davis" called my home number over 35 times in 1 week and now has started calling my work number threatening legal action against me and I do not know who these people are; they are about to get me fired!!!!!!!!  What do can I do?
Brenda Forosisky
Brenda Forosisky
2011-01-22 07:32:10
Unknown
I have been receiving threatening phone calls from this number.  He claims I took out a cash advance from cash advance usa in October and need to pay the money back or I will be facing federal and state prison.
I at first got very upset and starting yelling at the person (heavy Indian accent).  Then I told him I knew he was a scam and I was going to call the police, He then called me a F****ing Bi**ch, threatened to kill my son.  We asked him for an address he refused.  Told me to save my money that I was going to need it for my bail hearing.  I told him fine lets go to court.  He called again and left another message like he never spoke to me before, telling me I need to contact   him by Monday, Jan. 24th or I would be facing criminal charges.  First he tells me he is from Cash Advance usa, then it was another company,  today he was from the State Attorney Generals office in New York.  When I told him the different company names he gave me on these calls he got mad and hung up on me.

If I wasn't getting so annoyed I would laugh.
najee
najee
2011-01-21 22:01:32
Debt Collector
Received a phn call this morning at 7:11AM, at my job, from a Frank Smith, Legal Dept, DCS/ACS?...Anyway, calling to let me know that I will be arrested on this coming Monday.  When I told him that he could not be calling my job, he did not care...just kept on running his mouth...I got his phone number and took it, along with a cassette tape of all of the prior phone calls, to the FBI.  I will leave it up to them to handle "Mr. Frank Smith."
BMF
BMF
2011-01-21 16:39:19
Unknown
I recieved the same phone call... who are these people and how do we stop them!
christine miller
christine miller
2011-01-17 20:58:35
Debt Collector
they have been calling me from a 000-000-000 number and threating me and trying to say that i owe them money and he calls himself john smith and he has an indian accent be care full
Sherri McLeod
Sherri McLeod
2011-01-15 16:55:27
Unknown
Threatening me with arrest,legal action.. Saying I will be sorry if I don't call officer roy Morgan back.He has a heavy accent..They call me continuiosly leaving voice messages saying all kinds of stuff.Their call shows the number 000-000-0000 and he says to call 347-709-3360 This is getting old something needs to be done.My number is on the national do not call list but this one and others still call so what good does it do to have it on there?
Melvin
Melvin
2011-01-13 19:45:57
Debt Collector
This place has called at work and also at home. We have applied for payday loans in the past and
now they have all the information. The man who called threatened the secretary and have been calling
there numerous times a day. They are at the point of not answering the phone because of it.  On the caller Id the number is  000-000-0000. Horrible Human Beings!!! When I called to check the voice mail
the idiot left a call back number which is the one referenced above.  I looked up the number and that
led me to this website,  They use very offensive language and are threatening.
Gail
Gail
2011-01-06 20:43:34
Unknown
This phone number calls my home on an average of 15 -20 times a day. this is very annoying. I am not sure where the call is from they will not leave a message they just hang up even if I answer.
The Saint
The Saint
2010-12-10 18:14:46
Unknown
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
tony
tony
2010-12-10 18:11:43
Unknown
ACS  is fake company  so plz dont give tham $.
Robert Ruiz
Robert Ruiz
2010-12-09 21:24:35
Unknown
THEY HAVE SAID I TOOK OUT A PAYDAY LOAN AND OWE THEM MONEY . THEY HAVE CALLED ME AT WORK ,CALLED MY CO-WORKER , MY NEPHEW , AND  ARE CONSTAINTLY CALLING AT HOME AND CELL NUMBER . THEY HAVE THREATENED TO CALL THE POLICE AND SAID THAT I WOULD GO TO JAIL AND THAT I BETTER HAVE  A LAWER .
Lynn
Lynn
2010-12-09 20:47:58
Unknown
I just got the same phone call and he was rude. Said his name was James Wilson and blah, blah - he was going to arrest me and take me to jail.  Indian guy with a heavy accent - i cussed him out and hung up the phone.  I got this call a couple of times 3 months ago and it was the same guy but he gave me a different name.  UGH i wish we could have then arrested for fraud!
The Saint
The Saint
2010-12-06 15:42:07
Unknown
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
anonymous
anonymous
2010-12-06 15:40:26
Unknown
This is a scam. The Better Business Bureau has released many alerts on this scam, google "bbb.org alert phony debt collector"  Scams mutate so read all the alerts to get a flavor of what they are.
jordan
jordan
2010-12-06 15:15:02
Debt Collector
called them and laughed over the phone at them. some guy by the name of jimmy smith called back and threathen me again. such jerks!!!
Amy
Amy
2010-12-06 14:04:22
Debt Collector
I just called these fake idiots and told them I know they were scammers and the guy called me a F***ing B**** and asked me why you call if you know we scam F***ing B**** and he hung up the phone.My husband called back and told them we have reported them to the FTC and they were being investigated.For anyone that has received a call from this phone number report them to the FTC.I have also looked into them on the BBB and it states that the BBB has not been able to confirm they are a legit company and has mailed them letters numerous times only for it to be returned to sender.Dont give them any information like your SOC# or any other info they can use on you.Oh and they said this was about a online payday loan we got back in 2008 and never paid back from Cash Advance USA which is also a fake company.
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