This person portrayed himself as a police officer and was calling about a lawsuit against me and wanted me to pay money today to end it....he used the name Officer Roger Johnson

I received a voice message with a Tom Moody in a very authoritative tone explaining that I need to return his call and was given one chance to return the call and if I didn't I would be sorry. He was taking immediate action , well folks stand in line.

I am getting the same threatning calls.  I filed for bankruptcy in may, and I have a collection agency calling saying I am going to be served with court papers and they are suing me for check fraud.  They first said they were representing my credit union and a cash advance.  The credit union name they gave me changed over four years ago.  When I called the credit union they said they had no idea what I was talking about.  The calls won't stop, they refuse to take my bankruptcy filing number saying I need to send them proof, hello what do they need they can verify that with federal bankruptcy courts. That bankruptcy doesn't protect me from check fraud.  I asked why didn't they go after me for fraud six years ago when I aquired the debt, they just push a button that says recording now. This is getting really annoying and they are calling my friends now too!

I had a call the other morning stating the same thing. I insisted on the caller to be more specific in what he was trying to say and he began to get frustrated. He stated a persons name and number that I had just met and then began to tell me that I had a law suit filed against me for financial fraud that the person had used me as a reference. Then gave me the persons number since I refused to give any pertinent information about myself. These people need to be stopped. You are so right!!! He didn't speak english well at all!!

I got a call stating I owe on a payday loan and if i didnt pay it i was going to be sued. The mans name was Officer Anthony Williams and he said if i didnt pay he was going to send my information to the court house where i live. I told him i was going to file a complaint him and he said WHERE DO YOU LIVE U MOTHER F****R! What can i do about these phone calls? Someone please help me!

I received two calls on two different telephone numbers from an Officer Davis, who has a very heavy Indian accent. He said that he received a report that my name would soon be downloaded into the Courts database. He knew my home address. He was help me prevent this becoming a legal matter. 1-412-360-8423 is a bogus caller. I somehow ended up on a list of short term loan companies and have gotten many email proposals. I believe this must be the source of these scam artists.

The man is very rude on the phone when you ask him questions.  I asked him who was sueing me and he said they don't want to talk to you, I am talking for them.  I told him I needed the name of the company and he got very harsh and told me we need to resolve this matter or I would be in severe trouble possible jail.  How can I get them to quit calling me?

Rick im sorry to hear all the comment that you have been throught don't worry about it God already take care this person for all of us.. remember God never let the anemy fear him y should you? he's call threatening me for $120 if i don't paid they gonna send a police come to my place arest me too..like sometime today... God could do alot of thing in our life sometime thing just not go the way you plan, because our plan suck.. that y God make for every one of us.. im not try to pleache you but it true... and even he's has all your information God can change that for you.. people like him will diss up pear... and straght to hell...

This message to Joe Wilson, Honey don't worry about its this person not gonna do a God dam things to you or other because God already taking care that for you, people like him nothing but a sorry a** and losser.. oh the more i talk about this person the more im gonna talk bad ..oh Lord this people need help and guide them throught their life and what need to be done.. and i will praise for all of us..

Stop threatening people, you might live longer boy im telling you again you every piss me off wasting my time, u think that funny, i got a life and job that i need to take care off do not calling me or other people and threatening. its might work for some people but not on my watch ok i might not know where you live but boy if i live at Pensavinia i will fine you, when i found you boy you don't wanna know.. i will '''''''''up in your a**..

I got phone from this detective Alex Johnson saying that i own the loan which i already pay off.. if you read this go get yourself a real job and stop threatening people around remember people like you will go straght to hell..

i got call saying my SSN has been block by gov't.lawsuit regarding the fraud activity and they will arrest me in couple hrs

Fake Debt Collectors and Collection Tactics

If consumers did not have enough to worry about having to deal with rising credit card interest rates, late fees and over-limit fees, zombie debt, and fervent bill collectors, now we have to worry about collectors calling about fake debt.

While many legitimate collection agencies follow the FDCPA, there are some collectors out there that are only running a scam operation and will be quick to use threats and scare tactics to get you to pay up quick. Their scams turn up in mailboxes, on the internet and through the telephone every day. Some collectors pose as national banks, government agencies (FBI, CIA), or even popular celebrity stars to gain personal information. These phony collectors may threaten to repossess your house, issue a warrant for your arrest, or even garnish your pay check, all of which are against the FDCPA rules. Some of which are even laughable (for example, there is no debtor?s prison in the United States).

Fake debt scammers rely on the fear and lack of knowledge about debt collection laws within the population. They also figure that a certain percentage of their calls will be received by individuals who may be carrying debt on credit cards anyway and may be susceptible to intimidation. When collectors use misleading statements and fail to provide identification, they are breaking the law. Never pay money to a possible thief. Keep cool when you hear from collectors to avoid this collection abuse.

Many times, people who took out payday loans online in the past are most susceptible. If you took a payday loan, be aware scammers may have access to your Social Security number and other personal information, and keep your guard up against such tactics.

Ironically, real "deadbeats" probably wouldn't fall for these scammers, since they have no intention of repaying their creditors anyway. But upright citizens may doubt themselves, thinking they've forgotten to pay a bill. Many times, the sums involved tend to be fairly small, so some people may be tempted to just pay the "bill" and "get it over with."

Ways to Protect Yourself Against Debt Collection Scams

Review your credit report frequently to find inaccuracies.
Be aware of your current creditors and how much you owe.
Ask creditors for identification before you provide any information over the telephone.
Reporting Fake Debt Collectors

If you ever receive a call from anyone identifying himself as a debt collector, the law requires that the debt collector provide you with identification, and that the debt collector refrain from making misleading and threatening statements.

You can report any problems you have to your state Attorney General?s office www.naag.org and the Federal Trade Commission www.ftc.gov. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

http://www.internetautoguide.com/credit-cente ... on-tactics.html

same thing with me some idiot by the name of steve and how he is going to contact my job and tell them the type of person i am ???? and only god can save me, so i better call back ... and how he will have me arrested within a couple of hours

I received a telephone call and demanded to know what they were talking about.  I do have debt but I am paying it.  I called this Officer whatever his name was back and told him FIRST THAT he is a SCAM ARTIST and that I would be reporting him to the United States Government and the better business bureau.  When he said, "You can tell YOUR government."  That tells me that he was a scam and he slammed the telephone down.  Hound them back and they will hang up on your because they have no business calling you.  Too bad--internet is so useful but people turn in into something so negative.  Do not verify information for these people.

A man calling him self officer Moshdong call my home again today. This is the 3rd time he has call this week. Then while he was talking to me on the phone his named changed to officer Williams. When I told him about this change he be came very upset stating that he was going to come to my home and shoot me in the head. When I told him he was nothing but a joke and stop scamming people he when told me he was going to put a bomd in my home and kil my family. If you get any call from these people call your local police asap.

That I owed Cashnet USA $293.00,and if I don't pay I will be arrested for check fraud. I am worry,because they have a lot of my personal information.

Call from Law Offices of Sean Michael Law and Restitution department, saying I owe 58 dollars on a defaulted loan.  he had all of my information.  I explained to him that i have no defaulted loans and was not verifying any information because for all i know he could be a fraud.  He immediately said we will continue with lawsuit and legal proceedings and hung up the phone.  I called back and asked for his supervisor, he put me on hold then tried to change is voice, i advised him that i knew it was him trying to change his voice, he became angered and said don't bother him anymore.  He had a very heavy accent.  I reported it to the proper authorities.  This is a scam don't be fooled.

I got home from a hard days work and found this same message on my answeing machine. They said there was a lawsuit against me and my social security number. I couldn't hardly understand the guy because of his heavy foreign accent. I didn't even catch his name but I think he said he was a senior ivestigator with LaW something. I ain't calling that guy back. No way! I don't know who he is! I don't have caller ID but he left his number on my answering machine.

I got a call from Tom Moody. Same thick accent...same rude profanities and threats to throw me in prison. I told him to contact my bankruptcy lawyer and he lost his marbles. I told him to send the police because I'd like to talk to them. ALWAYS demand proof in writing people!

THIS PERSON IS CALLING ME HARSHLY ON THE PHONE POSING AS A COLLECTION AGENCY WHO IS THREATENING TO SUE ME IF I DO NOT PAY THEM 220 DOLLARS.THEY ARE ASKING ME FOR CREDIT CARD INFO AND BANK ACCOUNT NO.tHEY ARE USING HARSH WORDS.

what FBI agent cant speak? dont bother, its to scare you into giving up your info.  weak sauce

I just received the EXACT same call this morning! Caller said my social security number was flagged by the FBI and I was going to be in BIG trouble if I didnt cooperate, because the company "Cash Advance" was looking to sue me! He asked for personal information, and when I wouldnt give it he got very frustrated and hung up on me. Little does he know I have NEVER done a payday loan or any other type of loan.. EVER! Not to mention I havent worked in 5 years, and you have to have a valid job to apply for a loan! IDIOTS!

This scam has been going on for well over a year, now and has been recognized as such by the BBB:

Chicago, IL ? August 5, 2009 ? The Better Business Bureau is issuing an alert about phony debt collectors that are calling consumers nationwide and claiming that they have defaulted on a payday loan and will be arrested if they don?t pay immediately. Claiming to be lawyers, the scammers say they are with the ?Financial Accountability Association? or the ?Federal Legislation of Unsecured Loans? and are equipped with a disconcerting amount of personal information about their potential victims.

?Because the scammers have so much information about potential victims, the BBB is concerned that this may be the result of a data breach,? said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. ?Thousands of people may have had their personal information compromised, and given the scammers? tactics, it appears that those who have previously used payday loan services could be particularly at risk.?

According to reports received by the BBB and posted online, the scammers accuse the victim of defaulting on a payday loan and claim they are being sued. The phony debt collector threatens that, if the victim doesn?t pay as much as $1,000 immediately via wire or by providing bank account or credit card numbers, he or she will be arrested and extradited to California within the hour to stand trial. The scammers often may have the victim?s Social Security, old bank account numbers or driver?s license numbers as well as home addresses, employer information and even the names of personal friends and professional references.

The BBB offers the following advice to consumers if they receive a suspicious telephone call about an outstanding debt:
* Ask the debt collector to provide official documentation in writing which substantiates the debt.
* Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
* Review recent copies of your credit reports to ensure that the alleged debt is not affecting your credit. Consumers can do this for free once every 12 months, and can find more information here: http://www.ftc.gov/freereports
* Under the Federal Trade Commission's Fair Debt Collection Practices Act, debt collectors may not harass, oppress, or abuse any person while attempting to collect a debt.
* A debtor may be contacted between 8 a.m. and 9 p.m. only and can be contacted at work unless instructed not to.
* File a complaint with the FTC online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.
* File a complaint with BBB online at www.bbb.org if you believe a debt collector is trying to scam you.

http://www.thinkglink.com/article/2009/08/06/ ... eading-says-bbb

http://800notes.com/Phone.aspx/1-214-618-5897

This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)

The bottom line is, these are criminals trying to steal your money.

A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Here's the contact information for the phone bank in India:

IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com

A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:

Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com  
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )

Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.

This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):

1) Alert the FBI at https://tips.fbi.gov  Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement, lawyers, officers of the court or bankers, or if they threatened you with arrest, be sure to include that information in your report.

2) File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

3) File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.

4) The caller placed the call under a Texas area code. Even though the caller ID was probably spoofed or they're using VoIP technology to hide the fact that they're really calling from overseas, you should also file a complaint with the Texas Attorney General at http://www.oag.state.tx.us/consumer/complain.shtml

5) File a complaint your state's attorney general, the contact information for whom is at www.naag.org

6) The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.

If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

http://800notes.com/Phone.aspx/1-925-262-1327
http://800notes.com/Phone.aspx/1-678-954-6346
http://800notes.com/Phone.aspx/1-888-341-4004
http://800notes.com/Phone.aspx/1-856-831-0640
http://800notes.com/Phone.aspx/1-949-743-1140
http://800notes.com/Phone.aspx/1-410-505-8128
http://800notes.com/Phone.aspx/1-917-464-2534
http://800notes.com/Phone.aspx/1-210-858-6602
http://800notes.com/Phone.aspx/1-888-775-2121
http://800notes.com/Phone.aspx/1-949-743-1156
http://800notes.com/Phone.aspx/1-214-245-1402
http://800notes.com/Phone.aspx/1-214-245-0922
http://800notes.com/Phone.aspx/1-214-723-5572
http://800notes.com/Phone.aspx/1-904-425-2863
http://800notes.com/Phone.aspx/1-718-831-7157
http://800notes.com/Phone.aspx/1-904-425-2857
http://800notes.com/Phone.aspx/1-858-244-0444
http://800notes.com/Phone.aspx/1-954-678-9724
http://800notes.com/Phone.aspx/1-610-571-3252
http://800notes.com/Phone.aspx/1-310-909-8245

...and, many, MANY more

officer named david will call me its scam

Said they were Federal Investigators.... yeah right! Said i had a law suit and i needed to give them info so they wouldnt sue me. I gave them nothing and the guy got mad. LOL    SCAM!! Dont tell them anything. Heck the guy didnt even speak english very well.

Asks for someone with my last name. Probably a collector looking for a debtor..??