THESE PEOPLE KEEP CALLING ME AND THREATING ME SAYING VOLGURE THINGS TO ME AND SAYING I TOOK OUT A LOAN FOR 900.99 I DONT KNOW WHO THESE PEOPLE ARE AND I KEEP TELLING THEM TO QUIT CALLING ME BUT THEY TURN AROUND AND CALL ME RIGHT BACK . I HAVE TURNED THEM INTO THE POLICE DEPTMENT AND THE COMPLAINT BOARD AND THE FTC AND SOCIAL SECURITY AND ALSO MY BANK. MY IDENITY WAS STOLLEN FROM MY COMPUTER BUT THEY SAY THEY DONT CARE , THIS HAS BEEN GOING ON NOW FOR AWHILE I TOLD THEM IM REALLY SICK IM TERMINAL AND THEY DONT CARE. I HAVE THEM RECORDED ON MY PHONE AND THE POLICE DEPT. CAME OVER AND LISTENED TO THERE MESSAGES . THEY ARE VERY RUDE AND VOLGURE.

calling telling me i am going to jail if i do not return his call about past legal services, left 2 messages says he is eric anderson. calling from uk
or somewhere near

Do not fall for this!!!  Ray or Roy Cooper, Max Jordan, Chris Jones and Mark with no last name have been harrassing me for weeks.  They said I have an unpaid payday loan with Cash Net USA.  When I called Cash Net USA they told me I applied for a loan in 2006 but was denied.  I never had a loan with them.  Then they tried to tell me the reason I had no loan was because they sold it to Ace Cash Express.  I called them and they had nothing on me.  They are pulling payday loan companies out of the air.  They could not provide me with a verification of this loan.  Cash Net did send me documentation that I did not have a loan with them.  I filed a complaint with the FTC.  I went to my police dept and the cop was very rude and was obviously annoyed that he needed to do paperwork.  I hope anyone who does file a report with their police department receives a much better reception then I did.  They did manage to get $96.00 from my prepaid debit card that I did NOT authorize.  When I told them I was disputing the charge I was told by Ray or Roy Cooper that he will "destroy my life" and he "promised me that I would be spending my Xmas in jail".  They obviously know nothing about the American legal system.  They cannot take me to jail for a payday loan.  This is not a criminal matter this is a civil matter.  The sheriff was supposed to be here to get me this past Monday and I am still here.  I have friends that are cops and they and Cash Net USA assured me that people do not go to jail over a payday loan.  Plus do not fall for this like I did at first.  They are trying to scare you, that is how the get you to give in and give them money.  $96.00 what an odd amount.  He probably needed the money for shoes.

My husband took a message for me and told me I had to call Eric Anderson regarding ALPD.  Didn't ring any bells with me so I look at the caller id and see a very different number which makes me a little suspicious.  Looking up the number online I find these comments...Choosing to ignore.

John Cooper was this India persons name?  Give me a break.  Why not John Wayne!

I received a message on my home answering machine saying this was a law investigating firm for the US Govt.  That they had a lawsuit against me including my SS# for a loan I made on line and never paid back.  It was a foreginer, which I had a very hard time understanding.  When I returned the call to find out the problem I began asking him his name, company name etc and he began to get very aggresive and abusive.  When I asked to speak to his supervisor he began to scream at me for not being cooperative.  He said my name and address and said an investigating team would be out in 3 hours.  When I asked him where they would be and if they would be contacting me he yelled something which I could not understand.  I asked him to repeat back my SS# and he completely ignored me in his screaming.  DO NOT ANSWER THIS NUMBER EVER.  SCARY TIMES

so this max indian guy just called my number too sounded like a scam for sure...do not fall for this

Got a call from the Indian accent guy MAX JORDAN, Attorney from the law and Investigation Dept., and he threatened to sue me for an online loan from 3 years back and the usage of my SS#. He was rude and if he was near, he would've got SHOT!

THIS IS A SCAM!!!!!!!!!!
They told me they worked for the US Governement and needed my CC to pay this loan to help the economy-ha!

I listed them on the FBI site with this phone number....do not give them any money!

412-444-1027 called and threatened my wife by saying she took out a fraudulent loan with Cash 1 USA and legal action will be taken if she doesn't settle in the next 2 days.  Never heard of Cash 1 USA so this is clearly a scammer.  Need to shut these guys down.

these people are crooks if you notice they call and say the same thing over and over and over again about a sue against you and your ss# legal action all that. The only reason why they call because they is acually all they can do. Really!, unless you give them authorization they can't take any money from you. Please dont be threaten by these people get back at them, Tell them unless they stop calling you will or either you have filed a case against them. Tell you local police about the calls, file a report, tell your Attorney General's office, of the Federal Trade Commissioner, the BBB all the authority, the problem is these numbers are false, which means they change them often. If you also notice its the same voice same words but they may give you a different number and a different name of company when they call again. But you know its the same people.  I don't even bother to answer the phone when I see number I don't recongize.  Or I just hang up on them.

They are really bad your better off not answering your phone they will call you names and threaten you it is so bad that i can not believe they get away with this.  This is been happening to me for 2 years now. 2 YEARS they just don't go away.  It gets to be a pain, but i have file complaints and well they are crooks and they are in a calling center to take americas money so PLEASE people don't let them, just tell GOODBYE.

A ma from this number called me and told me that I was being investigated for fraud for a debt that I incurred through a payday loan. I checked my bank statements and there was nothing there from that company and I knew that I hadn't borrowed any money from them so I done some investigating on my own. This man went as far as calling me a liar and telling me that I was going to jail for fraud and that the warrant was at my local sherriff's office. When we got ready to hang up he screamed at me and then he said "DAMN AMERICAN".

I got a message from them on 12/3/10  His name was John Copper, from Law Dept. and said he had fraud charges against me and I don't know what will happen to me if I do not return the call.  I got my cell # changed to get away from these animals, but now he's calling on my work phone!  For the love!  They have been threatening me for 5 months now.  Every week.  I get a call from an Indian accented male with American sounding name threatening to sue me, charge me with fraud, take me to jail, take me to court and I am so sick of it!!!!  I have talked to them, asked them to stop calling I will NEVER send money, and I've had the state attorney general call, a local detective, and they say they will harass me until I pay!  PLEASE!!!!!  The only thing they will succeed in doing is making me angrier and angrier................JERK WADS.  Get a REAL job!!!!

received a call from officer michaels, eastern accent, saying that the state of Arizona sent them info to
collect on an old payday loan. If I didn't come up with 500.00 by 1:00 pm today it would be turned over to
the courthouse to arrest me and/or my husband. I told him he had been reported to the FBI and I hung up. Phone has been ringing off the hook from the same number.  Don't pay them anything its a scam.

James Taylor is another name they use. Tell them you will see them in court and to come arrest you and they will stop calling. Do not be intimidated, that is what they are banking on. I told them to file the paperwork!

This is a scam! I have reported this to the FBI's IC3 division. If you are smart you will too. Do not give these people money!!

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

This is a scam call and says he is an officer and has afidavits and will take to court house to get a warrant for your arrest.You can not understand him he is has very hard to understand accent.