2014-04-18 10:08:55
Called my home at 4:37 AM
2013-02-04 17:59:36
number calls me alot and says ohh sorry i think i dialed the wrong number with a Hispanic accent.
2012-02-15 19:33:36
They call and hang up
Alyson Miller
Alyson Miller
2012-01-25 23:13:41
Countless calls when I have asked them to stop calling me.
2012-01-16 20:44:26
Exactly my thoughts.
2011-11-30 20:15:54
Same number; 602-314-3112.
They called, I answered, they hung-up. I'm documenting the number of calls over a specified length of time. I intend to get these SOB's.
2011-11-12 04:46:55
also if you not happy with the jump in decision yhou made you can always call your bank and ask to dispute the charge and ask for a debit back --dg
2011-11-12 04:41:23
I have been getting quite few internet companies ask if i want to have a home base business. the problem is that most of these companies are more interested in your credit card than your success.
they operate with a little bait only to hook you with a bigger nibble later on as you go thru the motions with them. they will offer some kind of consultation services only charge you a few thousand dollars for there help.
Be it known that all cold callers work with an alias id and well as bill collectors. It is there job to put you in the basket right away. They will say  that they are not in a rush and to take your time but letting you hang up will not be an option.
Image Incentives is exactly that and there $200.00 promotional has been offered for years. So dont be fooled by the leave or take it push. thats to get you sign up;
Imagine if you have 20 cold callers in one room and they all are getting at least one person sign up @$195.99 a pop everyday thats almost $4000.00 Dollars everyday and almost 80,000 Dollars  a month. And thats just for signing up that not counting the possible merchandise that they are selling everyday.
I am stilll investigating this company. I believe they are legitament but some of their information is Misleading. For example - I ask them to please connect me to a live active website that has one of there 2500 distributors. The person named Bruce Sexton(Yea Right Bruce! more often an alias than a real name!) and told me that he could not do that but he could show me an example website. Ok ! Fine! I go to the url and look at it. He (Bruce Sexton) asked if I would listen to there recording and  I did. Then I hung up at the end of it because I knew they would call back. Another guy name Matt Olsen  clled back and went on doing his shtick.  I ask him if he could show me an example  of one the 2500 distributors that they claim to have. I ended up going to the same website as before!!.
they work with one website and you just get your name posted up on the url to show that it belongs to you. If you are looking for something completly differnt from some elses distributors website you will be greatly dissapointed. They have the same for everyone.they promise a 30% commision on all orders. but that will depend on the prices you set on the products you sell.
As I said i am stilll checking this company out . Please do the same when getting called to do an online business. Your not really obligated to jump in right away and the good thing is if push comes to shove with the cold caller You! can always Hang UP!!
As i d=
2011-11-01 20:21:49
Sorry about the fat fingers.  shouldn't call back then is what it should say.  LOL
2011-11-01 20:20:52
Just invest in one of those air horns in the can and when they call, blow it in their ear.  they chouldn't call back after that.
2011-10-19 21:24:02
Answered with "hello"--got no response, said "Hello" again and got a hang up.
2011-10-04 15:48:05
Debt Collector
keith bradshasw...

Call the FBI, the Department of Homeland Security and your State Police. When they call back, tell them that you are aware they are running an extortion ring, have notified the authorities and hang up.

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:


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
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.


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
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:


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:



http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:

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.


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?  


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

Caller: FBI
2011-10-03 23:52:58
Image incentive that was the name.
2011-10-03 23:49:00
This company New Imaging??? has called me several times and also hung up on me. I spoke with someone named J.R. tonight and he informed me that he would take my name off the list. I told him, that I have asked them several times and they still call me. He said that my name came up as someone that may be interested in working from home and he asked me what my first and last name was.
2011-09-30 22:56:16
I wish this site had a 'like' button.
2011-09-30 19:11:40
Came up on my ID as "Image Incentive" with a message about "getting back to me" about "generating additional income."

Needless to say, I've never called them.

There's a post about them at RipoffReport.com, and apparently they're also known as "Smart Advertising Solutions 3015 S. 48TH St. Tempe,AZ 85282" Apparently there is a pending Postcard Fraud case against them in Arizona.
2011-09-13 13:42:27
This number calls, leaves no messages, over and over again.
2011-08-30 23:21:58
I got the same kind of hang up call and kept calling back until I got a person.  When I did, he said it was a family owned business that does business with businesses for whom they can do advertising. He never attempted to sell me anything or get me interested in his company in any way.  I said I would consider him if I was in need of advertising and the conversation ended.
2011-08-10 19:12:19
i get about 10 to 20 calls a day from this number or one of the 1000 numbers they have.  they claim that i signed up for it.  ???  who would ever sign up to be harassed like that?  
When ever I have had a person on the line they say they are there to help me make money from home.
Bite 'em back
Bite 'em back
2011-08-06 02:16:43
I call and waste more of their time than they can waste of mine. sound mildly interested in their $500. investment. then they want a credit card info. sure. let me just get that for you. How stupid do they think you are? I had this guy holding for me  as I cleaned up the kitchen. the idiot waited on the other end for a total of 45 minutes. that's 45 minutes their not bugging someone else. I have unlimited minutes and would just check every five minutes or so to see if he was still there. I am now on a mission to get the internet involved wasting their time. I asked them plenty of times nicely to stop wrong number calling my cell phone. Have fun, They truly are morons and deserve it
2011-07-19 20:20:14
Got a call from this number today................
Identified on Caller Id as "Image Incentive"
2011-07-15 18:19:59
Prank Call
Someone from this number calls everyday and hangs up.  I will seek to block this call.
2011-07-14 21:18:11
I get the same thing when I answer, they hang up.  Also if you don't answer and let it go to voice mail they do not leave a msg.  I get at least one a day but more often 3 or 4 a day.
Felicia V. Gaddis
Felicia V. Gaddis
2011-06-06 20:51:56
Called and when I picked up, I heard someone talk a breath and then hang up
2011-06-06 20:51:56
If,you have looked into working from home, then this is the answer to the calls you are receiving. When you get lucky enough to actually speak to a person, you can ask them to remove you from their list. Good Luck
B. J.
B. J.
2011-06-06 20:51:56
Left message stating "This is Mark Anderson with Image Incentives returning your call about additional income." (Of which I did not request.) "Please call me back at (866)580-9838 and I look forward to your call."
J. Baker
J. Baker
2011-06-06 20:51:56
Got a call on my cell phone and did not answer it.  I have DO NOT CALL and will report this number to the FCC if they continue to call.
2011-06-06 20:51:56
just to let you know that if anyone is interested me and a fellow worker have almost invented a device to be able to punch someone in the face through the phone. so let me know if this is for you. warning to those who keep calling.
Also on DNC
Also on DNC
2011-06-06 20:51:56
I am also on the dnc list on my home phone about my cell phone which they have now gotten my number.  If I get to speak with One of these people I tell them that I want to be placed on their do not call list!  Then I start getting similar calls from different numbers.  I am disabled and it is extremely difficult to get up to answer my phone.  If they were in this type of situation, maybe they would understand that not everyone wants these calls!
2011-05-20 14:48:20
I've been getting calls from this number for about a week now. Daily.  He's persistent.  Says he's from Image Incentive and has a business opportunity for me.  Yeah right - and I have some swamp land in Florida for him! Thank God for caller ID!
1-800-562-2525 1-949-241-7591 1-602-279-1000
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