Been recieving calls at home and at work from am Officer Michael Black from the Beaureu of Criminal Investigations, sayimg that there is a lawsuit against me and criminal complaints filed against my ssn. I told him to stop calling me at work, that I can not take personal calls there and to call me at home. I have yet to recieve another call from him but now he is calling my inlaws with the same story but not calling me. He has a foriegn accent and is using the no. 1-410-775-6073  ext. 779. How do I stop these harrasing calls? When I called this number all I get is a message to call back later and hangs up.

These are professional scam artist. They call from Union Bridge Md. They need to be reported to the Maryland police Dept. of Union Bridge by everyone who gets a call from this number.

I got a phonecall from 'Senior Officer James Brown' (with an Indian accent) telling me I had taken out an online loan in the amount of $350 and that if I didn't pay back $502 he would come and arrest me within 10 minutes. He called 4 times in a row and even left a voice mail (which I still have saved). He knew my ENTIRE checking account number and the last 4 numbers of my social security number. When I refused to pay he said now I'd have to pay back $6000. He told me he would personally come and 'arrest my happy a**'. I told him he wasn't speaking very professional and he said I should not have smarted off to an officer. Then he kept telling me not to call the number back (410-775-6073). I have called the number back several times and all I get is a voice mail saying 'please try again later'. How stupid do these people really think we are?!?!

Yea got a call from that number only this time it was officer mike black ,and then it was his supervisor frank marshall or something like that i just messed with them and called them on their scam they just laughed and hung up on me

I live in painesville oh, i got the call on my cell phone while i was sleeping and didn't answer it. I happened to google the number and saw a bunch of fraud postings from that number.

Got a call from this number he stated with an indian accent his name was Nick Thomas and that i owed them money for a loan.........he also stated he would send the cops to my house and arrest me if i didnt pay........idiots do they think im that stupid..........BIG SCAM do not believe this crap!!! also took money out of my account $405.00 and it states BGM somewhere in california!!!!!!!!

Please tell me who 410-775-6073 is as they state they are with BCI and I owe them money or they will take me to jail and let my employer know.  They state they will turn in my name for fraud and theft charges to the courthouse.

I receve 1000 call from them tell me if i dont the $300 ni 10mn the gonna send fbi in my appartment to be arrest,his name is Frank Harris from criminal investigation.this is a scammer try to get ur money

dont bother with them they are big foreign scammers trying to say to you that you owe them a payday loan they are just a bunch of loser's with no jobs i had the same call today then they will yell at you and threaten the the fbi will be coming for you either at your home or your place of work

just do what i've been doing cause now they have theur answer machine on just threaten them with the FBI and there coming after you that seems to work

DO NOT AND I REPEAT DO NOT BELIEVE THESE PEOPLE IT IS ALL A SCAM. I TOO HAD A CONVERSATION WITH THESE PEOPLE AND ASKED ALL KINDS OF QUESTIONS AND PISSED THEM OFF. AFTER HAVING A CONVO WITH THEM I CALL THE FBI AND REPORTED THEM AND THEY TOLD ME THAT THIS IS ALSO A SCAM. IF ANYONE ELSE GETS A CALL FROM THEM DO NOT HESITATE TO CALL YOUR LOCAL SECRET SERVICE BECAUSE THEY ARE HANDLING THIS CASE TO GET THESE PEOPLE STOPPED

THIS PERSON CALLED 17 TIMES ONE DAY, I WAS NOT HOME,MY DAUGHTER ANSWERED HE SAID HE WAS DEPUTY BOB AND I NEEDED TO PAY FOR A PAYDAY LOAN , OR HE WOULD NOTIFY THE FBI AND THEY WOULD COME TO MY HOUSE WITH THE SHERIFF AND ARREST ME, AND THEY WERE GOING TO ARREST MY DAUGHTER ALSO BECAUSE SHE WAS VERY RUDE TO AN OFFICER. JUST HANG UP ON THESE CROOKS, THEY CANT EVEN SPEAK ENGLISH THEY SPEAK WITH AN INDIAN ACCENT AND THEY ARE VERY IGNORANT,

THEY CALLED 17 TIMES IN ONE DAY AND YELLED AT MY DAUGHTER THAT WAS HOME THREATENED HER WITH JAIL TIME, AND KEPT TELLING HER THAT SHE COULD GO TO JAIL BECAUSE SHE WAS MY DAUGHTER. THIS WAS FOR A PAYDAY LOAN I HAD NEVER TAKEN OUT AND THEY SAID I HAD TO PAY THEM NOW. HE SAID HIS NAME WAS DEPUTY BOB, AND THE FBI WOULD BE NOTIFIED IF I DID NOT PAY TODAY.

Call your bank - stop all further payments - put a fraud watch o n all your accounts - file a report at www.ic3.gov.

ok, i got the call and yes i faxed letter agreeing to pay and have already had $100 debit from my account.  What can i do now to stop this?

I had the same experience, the said I had commited fraud and that he was going to arrest me!  He ended up hanging up on me when I demanded that he tell me why.  very heavy accent and talked reall fast.  I had figured it was a scam.  Now I see it had to be.

These silly accented fools have been calling me also. I was firm with them bc common sense tells you that the phone calls aren't legit. I cursed them out so bad that they even began laughing in the background. I am now about to contact my bank about this scam and contact the credit bureas also. I take this as a lesson learned. The nuber was 4107756073. They picked the right one today to mess with.

Received call today on my cell phone from 410-775-6073 ext: 102. Man claming to be Mark Benson from Breau of Criminal Invetigation,Badge #64.
Telling me that I owe money and I have to all back ASAP.
The message also said: I better call back before something happens to me....That is a new one.

I am getting tired of the calls and want to change my cell phone number but don't seem to think it is fair when it is MY NUMBER for the past serveral years.

How can I stop these crazy people from calling, and leaving nasty messages, and screaming into the phone at me.

Wow, you're posts have been very helpful.  I thought I was going crazy for a minute, like "Did I get a pay day loan and I just don't remember?" lol  They first started calling me from random 800 numbers and then it changed to a 00001 number that would show up on the caller ID, and now it's this 410 area code number. Since it doesn't seem like there is much we can do at this point to stop the calls other than changing cell numbers, I will continue hang up on them :)

they keep trying to call and the names and numbers change daily. i just ignore them.

The guy has called twice I won't answer the phone and they called my sister freaking her out by saying he was with the FBI and i had 20 minutes to call because they had incriminating evidence against me. I was going to be charged with fraud and identity theft. She said she could hardly understand him oh yeah he was Agent Smith. It's one thing to bother me because i ignore the calls but to call my family is crossing the line. Good thing I was in the middle of reading some complaints about the number when my sis called me so I was able to explain it to her about what this person or people are up to. Thanks for all the info.

this guy is calling me saying he is a cop and there is criminal charges against me and i will be arrrested if i dont call back.......cant seem to get anyone that u can understand............i have tried calling eveything and noone knows anything about this......

Awesome....!

Kudos to "Sam" for giving the most intelligent and informative posts 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

Debt collector or tried to tell me filing bankruptcy only erased 30% of debt and I must pay him immediately or go to jail.   All of this was said while my attorney was listening in, he hung up when the attorney started telling how many laws he was breaking.

I got the same call from a guy said he was from the criminal buereau of investgation.  He said that I got a loan from cash loan usa in April of 2010, he called at 6:30 and said that i had 2 pay $500.00 and he said i had till 6:00 to pay or i will be arrested, then he calls back saying i can pay have the next week, then today he gave me a number to call back which was a cell phone number and said his name was  officer Michael Black and he already took my wifes unemployment and he insisted on the money, and the first time he called he called from 704/273/3143 then the second time was 704/933/2212 which was kannapolis city then he called from union bridge maryland and was a cell number 410/775/6073, he gave us that number, he also said my ssc # and my email and my address, so please email me back if u hear anything else from him.  Thanks, dale h.

Had these same calls from November until now, Jan 2011.  He has also called my employer.  He uses the same format " Officer Mark Benson, or Officer Chris Williams from BCI" and that if I do not pay a certain amount, that the county authorities will be arresting me!  Oh.... and arresting my boss! What a joke.  I did contact my local authorities and there only advice was to no give him any personal information.
Anyway, during this same time period my checking accounts had also been compromised.  I can't say for certain that they are connected, but the timing certainly is correct.
I am just hoping that no one is actually giving these people money. It is obvious when they call , based on the background noise, that they are a call center. They all have foreign accents with very American names.
None of the numbers they try to have me call back or that show up on caller ID are valid numbers.

This is a scam company that is calling open numbers all over the us and needs to be stopped. The Bureau of Criminal Investigation does not exist. They claim that you owe them money and want it right away or you will be arrested. They are Scammers! The line is out of Union Bridge Maryland.

Guy with Arab accent calls n says his name is John Smith... Really??? LMAO!!! They called my cellular phone and my job and they won't stop. They said I owed money for a loan sent to my debit card. The card in particular that he mentioned has been out of use and has a negative balance. It has been that way since October. So, I give him the benefit of the doubt and check the card to see if any money showed up since I put it away.... Nothing... They are getting on my nerves. Then one guy yelled at me when I asked him what loan company it was with... LOL! Yea, and they are from a Federal office? Riiiiight... LOL!

An office claiming to be Mark Denton from the Bureau of Criminal Investigation called not only my cell phone but my mom and brother's phones as well. No one picked up the call and the man left a message saying that if I did not call him back directly I would be arrested at my work or home. When we tried calling back the number it went straight to voice mail.

First person says he is restitution officer and wants me to pay money, then transfers me to someone else and that person is Mark Benson who wants to collect restituion and when I stated from who he transferred me to Nick and then Nick transferred me to another individual that claims his name is Brad Pitt a Deputy with the Maryland Police Office and is going to come arrest me and then stated he needed my help to get a green card and wanted to marry me.  This is outrageous. How do you stop these crazy calls. I am so tired of these people using me.  I can't block the call and can't make them stop calling.