December 07, 2010 FBI National Press Office
? 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.
Also read up on the laws and your rights:
Also consider buying a call blocking device or phone..
Call was from 814-409-9443
A miss Elliot called my ex husband, he called me&I called the number. She put me through to a Thomas Miller who threatened me with warrants being issued tomorrow morning. A seven hundred and something dollar check to ACE for a payday loan. I've never had a Payday loan
They called me today and told me I would be having warrants issued for my arrest by tomorrow if I did not pay a bill. I could prove and did prove to them that the debit was not mine! They insisted that I obtain an attorney and they would be taking felony legal action against me. I asked how can you do that when I can prove this bill is not mine and I could have never of borrowed money from the checking cashing place during this timeframe. Little did they know I have an attorney who is kept on retainer. I called my attorney and he could not believe the phone call I just had with these people. This is a huge scam! They do not have the power to collect via the state to issue warrants. Do not believe anything these people tell you. If they call you report them!
I also got a call from this number.. Gave me a case reference number that they could not even pull up when I called them back. They stated that I had a check outsanding from ACE check cashing. Where they got this information or how they got my number is beyond me. We never got to any bank information part once I told them that I do not owe any money and was not going to pay, they told me to get a lawyer and hung up on me.
My step mom recieved a call from a Thomas Miller of Coggins and Coggins about me. After calling them he called back stated i had a payday loan back in 2010 of 9xx.xx and if i did not want the cops coming to my job i would need to pay him1068.90 by today. I never had a payday loan. He also threaten my job saying if i liked where i worked then i better pay. The number i called 814-409-9443.... what a joke.
My father got a call from an Ashley Walker from Coghen & Powers. She stated he got a loan back in 2008 for $580, now fees and interest is $960. If he doesn't pay by end of business day they are sending to state department to file charges. I, his so even talked with them and was almost convinced they were legitmate, but after researching. They are scam artist. I tried to call them back to get an address to report them to someone, but no call back yet. I did right a letter to ACE Check Cashing advising them of this issue. If they got hacked, or misplaced persons personal information, they need to be SUIED! Any person who isn't aware of these people would pay the money, rather than going to jail. People be on alert.
Recieved a call this morning from a woman and then i was transfered to a Ron Jackson who told me i had a payday loan from 2007 and if i didnt pay the 1420.00 by the close of bussiness today they would be turning my case over to the local courts and i would be charged with 3 felony charges.
I RECEIVED A CALL AT MY JOB FROM A MR THOMAS MILLER AND AN ASHLEY WALKER STATING THEY WERE FROM COGGINS AND POWERS. STATING THAT THE COMPANY THEY REPRESENT WILL BE FILON G FELONY CHARGES AGAINST ME FOR A PAYDAY LOAN THAT I HAD BACK IN 2008. I HAVE NEVER HAD A PAYDAY LOAN. THEY SAID I COULD SETTLE THIS MATTER FOR 800.00. I ASKED WHAT THE AMOUNT OF THE ORINGINAL LOAN AMOUNT WAS FOR THEY COULDN'T TELL ME. I WAS ON THE PHONE WITH THEM FOR ABOUT 45 MINUTES ON A COMPANY PHONE. THEY CAME BACK A FEW MINUTES LATER STATING THAT I COULD MAKE PAYMENTS IN THE AMOUNT OF 200.00 OVER 4 MONTHS. THAT WAS 2 WEEKS AGO. THEY AGAIN CALLED ME ON APRIL 20 SATURDAY TRYING TO GET MY BANK INFORMATION TO COLLECT THE 200..00. AND I RECEIVED A CALL AGAIN TODAY APRIL 23 ON MY CELL PHONE ASKING AGAIN FOR MY BANK INFORMATION TO COLLECT THE PAYMENT OF 200.00. AFTER DOING SOME RESEARCH THIS NUMBER THAT THEY ARE CALLING FROM IS A MOBILE NUMBER. I HAVE TRIED TO GOOGLE THE COMPANY NAME AND HAVE NOT BEEN VERY SUCCESSFUL FINDING IT, BUT I WILL KEEP TRYING TO REACH THE COMPANY TO VERIFY WITH THE COMPANY ABOUT THIS .
The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.
I RECEIVED A CALL FORM A MR. THOMAS MILLER AND ASHLEY WALKER FROM COGGINS AND POWERS ABOUT 2 WEEKS AGO STATING THAT I HAD A PAYDAY LOAN BACK IN 2008 AND THAT THE COMPANY IS GOING TO FILE FELONY CHARGES AGAINST ME. 1.) I HAVE NEVER HAD A PAYDAY LOAN. THEY CALLED ME AT MY JOB EVERY DAY. THEY SEND THE COMPANY WANTS TO SETTLE FOR 800.00 I ASKED HOW MUCH THE ORIGINAL LOAN WAS FOR AND THEY COULD NOT TELL. THEY AGAIN CALLED ME ON SATURDAY APRIL 20 ASKING FOR A PAYMENT OF 200.00 AND WANTED MY BANK CARD INFORMATION. WHO ARE THESE PEOPLE AND WHY ARE THEY CALLING??
They are looking for an X wife of my roommate, keep calling, even though I call back and tell them I have nothing to do with her, nor does he, they assure me the # will be removed, and htem it starts all over again.
We received a call from this same number earlier, funny thing is they state the caller is Mr. Miller and the law firm is Coggins and Powers, stating that if we don't give them blahblah amount of money that a certain member of our family would be going to prison for a year. Called the number and a woman answered, very rude, and at first disclosed the name of the firm, but upon us asking the name she stopped short and told us she couldn't disclose that information, and hung up when we told her that she already had, she hung up. We called back moments later and spoke with Mr. Miller himself who announced his department as processing. He willingly gave the name but then states that "He is confused as to why I am calling", to which I responded that I just needed to know the name of the firm. To which he became agitated and rude, and muttered something that seemed like an insult before I disconnected.
Received a call from these people stating that they were from Morgan and Shapior law firm. They said that I had received a payday loan back in 2008 and that the company had ran my check three times, and then turn it over to a creditor. He said that the creditor had turned the case over to them and they were calling to see were I dodging them or did something else happen. He then said that I had until the closing of their office today to come up with $545 dollars. He said that if they did not receive the payment that there would be 3 felony charges brought against me within 24 hr. Looked up the law firm, and asked if they had an office in Atlanta. The lady replied NO ma'am they only have locations in California. Please know that she said that this is a scam..... O ya one more thing the caller said his name was C. Williams.