got a message from a Justin Johnson or something to call back.  I called the number back and requested to know why they called.  He would not give me a case number, had all of my information, and told me I was being sued unless I could get the money to them today.  I requested to know the name of the loan company, and they hung up on me.

I received a calls from these people on July 14th leaving messages asking fro my legal representaion and to call bak at 415-200-0265. When I called back I spoke to a man who called himself Ryan Cruz (who spoke with an Indian accent)from the cyber crimes division of cashlaons.com He had my name, address, home and work numbers, and even the names of some of my friends, as well as my email address which he verified. He said that I had an outstanding payday loan balnace and that it is a crime to take money and not pay it back and that I had committed Check Fraud which is a Federal crime. I have had a few payday loans in the past that went sour, but I have since then taken care of them so I thought that maybe this is one I may have overlooked. He said I was going to be arrested at home or at work tomorrow and taken in front of the judge and unless I could afford bail money I would remian in jail unless we could stop the process from occuring with a payment of the outstanding balance of $1957.49 which he could drop down to a payment of $1000.00 At first I thought it was real, but the more questions I asked, the more this man became irate and could not answer my questions. He said I had to fax authorization of the payment to 714-845-0766 via debit / credit card as soon as possible or he could not stop what would happen to me. I almost fell for it but realized that any legitimate collection agency would not and cannot make threats of legal action concerning arrests and bail amounts. I told this man you are using a name of Ryan Cruz, sound like you are from Bombay, and expect people to believe this? I am not one to use profanity but I told this man to F**K off and if he ever tried this again he would get what is coming to him! He told me "well then I will put it in the warrant that you told me to F**k off sir", so I said it again and he hung up. A woman then called me from the same number 415-200-0265 no more than 10 minutes later (again with a heavy Indian accent) and said that she heard what I told Ryan Cruz and she was going to personally see that I get arrested. so I tols her to Get F**ked! She hung up. People Beware!!

My phone caller Id says 323-476-3048, but the person leaving a message says to call 415-200-0265 back regarding a very important issue that if not resolved ASAP will result in legal action.  Very heavy accented woman (sounds like from India) who goes by the name Mary Watson does not say what company she is calling from.

Today, receive a vm from 415-200-0265 saying I defaulted on a payday loan. When I called number back, it was a fax.  I waited 5 minutes, called again & was told a court order would be served to me tomorrow at home & work.  Jeffrey Stewart said I agreed to a payday loan in 2008 & defaulted and bank notified CashNet Express I had NSF to pay several times and I would be going to court & jail and I would end up paying 5000-6000 dollars before it was done.  He said I owed $1095.37 & then had someone from 941-961-8518 call and say I could settle for $802 with a debit or credit card.  I told them I had know idea what they were talking about & to fax me the info.  He said they were not authorized to fax me any info so I said I will wait for it before I pay.  He hung up.  Will be reporting this to the appropriate authorities.

WARNING THIS IS A COMPLETE SCAM!!!

Hello Everyone,

I have been recieving multiple calls from 415-200-0265 daily. I was never left a vm until yesterday. A women stated her name was Jennifer (who had a real bad accent)and that I needed to call her back as soon as I get the message and if I did not return the phone call that she could Wish the Best for me as the situation falls upon me.

Well I didn't return the phone and was just explaining the situation to a co-worker. She advised me to look the number up on here. So I did and I read all the posts. Well as I was tellig my co-worker about what i had found I got a phone call transfered to me from another department. I told the caller to call me back on my cell phone.

The caller is named Jacob Morris. He stated that He needed the number for my lawyer asap. I told him I did not have a lawyer and asked him what this was about. He continued to say that because of an outstanding payday loan that I was being charged with Check Fraud, Bank Fraud and another type of fraud. I couldn't under stand him to good. I told him that I did not have any legal proceedings against me. He asked me if I ever had any judgemets against me or have been convicted of a crime. I told him no again. He stated the following.

"Luz ******** all of your court costs and fees for making us find you will add up to $5484.87. This does not include your bail money or lawyer fees. Make sure that when you are arrested tomorrow that you have someone to bail you out."

SInce I knew this was a scam I figured I'd play along. I asked how I can get this resolved. He said that he can get me an "out of court restitution" (I think I spelled that wrong) and that they would only charge me half of all the fines which is $2095.00 and can be payed with a Credit or Debit card. I would avoid Jail Time. The next thing he asked me for was two letters that should be faxed to 714-845-0766. The first letter was to be an apology letter on why I defaulted on my loan, the second was to be a permission letter to use my credit card to take care of this balance. I had to included my social security #, age, phone number, date of birth and address. I would recieve a confrimation number of my payment with in five business days.

After agreeing to all of this Crap...I asked for the phone number and address of his company. He stated that I already had the number which is 941-961-8518 (it was registered in Florida). I said okay and he gave me the following address (which by the way my co-worker was looking on google maps while he was talking) Address = 11846 Website Towers, West Olympic Blvd L.A. Califorina 90066. (It did not register on the map)

At that point I had enough. I stated to him "Okay Your number is coming up as a Florida Number, the Address you have given is not a real address in LA. I know that this is a SCAM and I have contacted the Federal Trade commission. I got hung up on. I quickly dialed the number back (941-961-8518) and it was disconnected. Within less then five seconds the number was DISCONNECTED!!

WARNING THIS IS A SCAM!!

I'm glad I read all of these postings before actually getting a call from them again. My question is...how do they get this information. Is the pay day loan companies selling customer information???

Any way I hope this helps anyone. Thanks and Good Luck!

Sorry I just looked and my spelling is off hope u all understand what i posted....

Thios is good got this guy calling me at work at least 8X...advised him I am not involved in any lawsue or court action...told him to stop call me at work or I was going to get fired....that was wednesday....today is saturday and I just got a call on my sons phone...sounded like the same man tock different approach...he asked for lawyers num,ber told me this had to be done today...i advised him it is saturday and the court and lawyer are not in I will try to get my lawyer and have him all them  tock 3X be fore I got his number...google tells the tail  SCAM  thank u did not fall for it.....

You should have called him back and told him that you were also sorry for anything that was going to happen to HIM....

***-holes.

I got this call on July 9th saying me and my friends are getting charged with fraud due to a payday loan payment getting returned.  Says that you will be going to court tomorrow and that they want to speak to your attorney. Wanted me to pay 1500.00 dollars on the phone via credit card. Told them I had no idea what hes talking about. He told I was going to jail and so was my friends. How did they get my house and cell number?

I applied for a "personal loan" for credit card consolidation & the sight immediately linked me to a payday loan service so I never accepted a loan.  I received 3 voice mails leaving this number within 20 minutes & was also called at work -- in none could I understand the caller's or company name.  I refused to give information & when I told the caller that I'd worked for a law firm and I had to be properly served with a complaint he told me I could tell the police when they come to arrest me tomorrow.  I then told him he needed to know that I work for the VA and he was placing a harassing phone call to a US government facility.  He got more irate then ended the call saying he was sorry for anything that would happen to me.

From Lamet's post :http://800notes.com/Phone.aspx/1-415-200-0263

SCAM  - ALL OVER INTERNET AND NEWS FOR SOMETIME NOW!  

Below are links for filing formal complaints - FILE THEM NOW - DON'T WAIT
The phone numbers they use change almost daily - so you have to get those complaints filed while the numbers still work!  

when they call back tell you know all about the scam and have filed these complaints - they will not stop calling until YOU DO

Attorney General Darrell McGraw took the extraordinary step today of warning the public about a band of scam artists making threats to consumers who allegedly obtained Internet payday loans in West Virginia and across the nation. The consumers they threaten never obtained a loan at all or paid it off years ago.

Internet payday loans are short-term loans or cash advances, usually for 14 days, made over the Internet via interactive web sites and secured by an agreement authorizing debits of the loan and all fees owed from the consumer?s checking account. These loans typically charge interest rates ranging from 600-800 APR and are unlawful in West Virginia.

The scam artists, who speak English with a foreign accent, call themselves ?U.S. National Bank,? ?Federal Investigation Bureau,? ?United Legal Processing? and numerous other phony names. They refuse to disclose real names and addresses and are believed to be operating ?off the grid? from homes, automobiles, or from off shore locations or foreign countries, including India. Since the scammers have kept themselves purposely well hidden, thus far no law enforcement agencies have succeeded in locating or shutting them down.

The scammers typically pose as law enforcement officers, investigators, lawyers, and bankers and threaten consumers that they will be arrested for ?bank fraud? or other fictitious crimes unless money is wired immediately. They simultaneously scare and confuse consumers by using meaningless legalese gobbledygook phrases such as, ?We are downloading warrants against you? or ?We are filing an affidavit against you.? Consumers who don?t immediately fall for the scam are warned, ?Only God can help you now.?

The scammers almost always call consumers at work several times a day, and tell their supervisors, ?Your employee has committed fraud and is about to be arrested.? Such threats have proven unsettling even to the most savvy consumers and employers who suspect the calls are fraudulent.

Attorney General McGraw stated, ?Ordinarily my office protects consumers from fraudulent activities by seeking injunctions in court. But legal action cannot be taken until the scam artists can be located. Even then, it is unlikely that the persons behind the fraudulent calls and extortionist threats would obey a court order. In this case, the consumer?s best defense is to be armed with the knowledge of the scam so that all demands for money can be resisted, despite the false but scarey threats of arrest.?

McGraw added, ?Because the fraudsters make a special point of calling consumers repeatedly at work, employers must understand that the consumers are innocent victims of a criminal enterprise and cannot stop the calls from coming. I also wish to assure the citizens of West Virginia that my office will continue to do everything possible to locate and shut down the outlaw debt collectors.?

More information about this fraudulent debt collection scheme is available at the Attorney General?s website, www.wvago.gov/internetloanscam. Any consumers who have been threatened by these persons or wish to file a complaint about another consumer matter may do so by calling the Consumer Protection Hot Line, 1-800-368-8808, or by obtaining a complaint form from the Attorney General?s web site.

It's a debt collection scam. And all their threats are false and illegal.

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):

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.


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 or lawyers, officers of the court or bankers, be sure to include that information in your report.


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.


File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov


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



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
http://800notes.com/Phone.aspx/1-310-499-9983

...and MANY, MANY more.

Gary, Jerry Harry, Barry, Big Diphead...whatever his name was, hard to understand. He said he was <whatever> Jones and had a charge against me that he could take off if I sent them money. It took him awhile of talking to where I could understand what the call was even about, so I finally just hung up on him. But, then I looked up the # because I maintain computers as my job, and kind've knew it wasn't supposed to happen. I just wanted to add the knowledge of this....it was from 415-200-0265. If there was a way to sue them or at least get something back, I would be all up on them.

These people called me yesterday under the name of Robert Jones. Claimed I owed $500 for a payday loan I never recieved nor took out. When I claimed I would follow this up with my attorney, FTC, and my local police department, the man took on a different tone. He began telling me I could be his special friend and he would make all the calls stop if I would meet him for dinner. I hung up and he called a minimum of 15 more times in one hour. I filed a police reprt as well as *57 my phone to have his call marked everytime he calls. After researching this further, apparently these people change their numbers daily and have compromised our information from a website that you may have applied for a loan at. The law can not catch these people as the numbers change daily as well as their location is not here in the states but use our area codes as a hub. This is truly a scam as people do not get arrested for debt. There is an article recently posted about these people and the one thing it says is that a true company will NEVER threated arrest or a team of law people showing up at your door. These people change their number by one digit daily. You can find alot about them if you research various 415-200-02... numbers.


Here is that link :http://800notes.com/Phone.aspx/1-415-200-0263

They just called me at work and the number that came up on the caller id was 0000123456. I acted like I was someone else. He said his name was Thomas and said the call back number was 415-200-0265. They call just about everyday. First sign that its a scam is the number that comes up. Im glad I googled this before I went any furthur and gave them my information.

I have never been so harassed in my entire life, this is such a disturbing and intrusive scam... don't be fooled if they know your information, or threaten that you will go to jail.. all you have to do is ask them for their name and phone number to reach them at after you get your "attorney" and you can tell it isn't for real. they are completely unprofessional, they will hardly tell you their names, or give you a phone number often explaining in sarcasm that "this isn't a customer service hot-line mam, we do not give out our number" -- which is a huge red flag.
I am enraged in their efforts to scare me and threaten me and my life and the lives of my family... excuse my french, but f*** these people.

I'm so sorry for those who get caught up with them and scammed into giving them money, or even those who have to put up with being harassed and verbally assaulted.. hopefully justice will be served.

I received a call about 5 minutes ago, he said his name was David, and needed to talk to someone who works for me (I will leave her name out of it) due to a payday loan. When I asked him to give me a number she could call him back, he gave 415-200-0265, and I looked it up on Google and told him he may as well cross my number off his list because he wasn't going to get anyone here to play his game. He was very difficult to understand, and he never did give me the name of the company clearly enough to understand it. He also called Friday July 3 and left a message for her to "call him back the second you get this message", but didn't leave a phone number. He also asked me to repeat the number back to him, which is when I told him to cross the number off his list.

Scam from India.  Says that you are getting charged with fraud due to a payday loan payment getting returned.  Says that you will be going to court tomorrow and that they want to speak to your attorney.  Says that the police will come arrest you at work for unpaid charges.  But, then they say that you can make this all go away if you authorize payment to them via credit card.  Been calling me at work and on cell, when I finally said that I had an attorney and had contacted the FBI and payday loan provider they hung up on me.  Scary stuff.  Heard of other people being sexually harassed by them as well.