There was a man asking for my Attorneys information to start proceedings in a lawsuit against me.  I have NEVER received any funds from this Check Advance Company ONLINE.  They need to stop calling and Harassing me

Stupid rude man, claiming to be an "investigator" telling me I was going to be arrested...blah blah blah.  Asked him REPEATEDLY ad very NICELY to give me his company name and supervisor as well, he began calling me names and screaming so I hung up.  They have called me 46 times IN A ROW.  Just blocked them.  I have no problem talking to anyone who will identify themselves, their company, the supposed debt and if I request you to provide me documentation then do it otherwise dont CALL ME!!!!

The person from this number 607-595-1743 called my work number claiming to be  sheriff Jack Martin with a very foreign accent.  He sounded rather suspicious with threatening remarks and began shouting his name over the phone.  This is getting out of hand and there should a way to stop these people.

Yup I've been getting the same crap from these retards. They've called me twice already from 2 different numbers. The first time I "owed money for an online loan" that I never even got, and now I have a "warrant for my arrest in the state of New York" - which I have never resided or visited there so that one is a joke as well.

Stupid a** people with no lives should just kill themselves.

They kept calling me over and over... even at work! I got them back... got his voicemail password and changed his recorded name to say " this is a scam" and I changed his password so he can't change it back...lol

Calls over and over again, caller scam trying to get money. Foreign, extremely rude, foul language... they do not give up!

They could not have solved your problems because the number does not belong to that dept it is being used by magic jack as a matter of fact when I called from a different number they didnt know and demanded to know who they were they hung up on me i called back the way they do and played music they sent me to thier magicjack voicemail so I guess you must be one of the low life scammers using low tech magic jack yourself and this is how they change their numbers so much They are scammers and when confronted and you call them back they threaten to come to your house and kill you and rape your wives and daughters then laugh no collector or law attorney would act this way do not sent any auth to pay or give any auth to pay they have info form payday loans that were made on fake sites on but need your auth to withdraw money or you can have it returned your account dont give it make any one who claims to have suit send papers by mail and they have no way of comfirming a email was received that is another lie they use they say they sent a email to you and know that you got it just hang up dont talk to them file complaint with your state atty gen many states are working to shut them down

Dear Mack     Dont be so sure about that!!!!!!

tmi

You will never catch me!!

sorry mack johnson .u r a great person ...

those guy who thinks he is a scammer , he is very bad guy ,,, i think this is very very good department .that

name is UNITED NATIONS LEGAL DEPARTMENT ..b'coz ithey solved my problem i like it & appreciate it

Mack Johnson cheated me, he's mother f****r,i will report in FBI of my state.Make sure
Mack moth******er will be killed by me,I gonna f*** yr mother Mack

It is VERRRRRY illegal....""Jimmy".

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

HI, THIS IS JIMMY ANDERSON  AND I DON'T THINK BUT I AM SURE ABOUT THAT THIS IS VERRRRY  VERRRRRY LEGAL THAT NAME IS UNITED NATION LEGAL DEPARTMENT

a guy called me saying that i am going to be sued if I dont pay some money they put in my account which is not true. he said that hes gonna sue me because that, he had an middle eastern accent and was demanding money to be paid, 1250, if i dont pay that amount then I am going to pay 6000 + the court fees.
Isn't this going too far.

I am Skylar"s mom. Our caller also said he was a officer from the State Dept. Fed. Credit Union....with his number being 607-595-1743 This is surely the same guy calling so do no not fall for this..and call your police ASAP!!

my mother called me a few days ago saying a lawsuit was being taken out on her for a loan she co-signed with me on... my mother has never co signed with me for anything but yet he knew my name and SS#..... he was taken her to court for 6000... but yet I have never received a phone call, mail, or e-mail on anything myself.... she gave me the number so i could call and figure out what was going on. it rang and rang and rang... most agencies have a professional answering machine or automated system...this one just rang and beeped. i left a message stating who i was and what i was calling about and wanted to know what was going on.. the number called me back and it was some iranian kid and answered "hello"   very professional huh.. and said i owed them money....i told them i had no knowledge of the loan wanted some information immediately.. he stuttered a minute told me he had the wrong number, and hung up on me... the man first told me i owed him money then he has the wrong number... funnny huh.. my mother called the police and the officer called the number and he threatened the officer with his job. the man said he had the whole case file.. but yet had no info... when the officer called the story was changed too my mother being the only one on the loan. i was no where involved.... what a joke we are tracking him down now

I have received several phone call at home, work and on my cell phone requesting to speak to me or my attorney. The caller is very rude and does not want to give me any information other than State Dept. Federal Credit Union. The persons on the phone indicated their names were James White and Max White. When i informed them i did not have an account with them, they hung up on me. I called back and asked to speak to a Supervisor, and again was hung up on.

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

Guy called asking for me... replied I was the person they were looking for. Said they had a lawsuit for me. I asked that they mail all the information and the caller (a middle eastern sounding man) started YELLING and screaming that I was NOT listening to him. I asked him to quit yelling at me. He asked me to verify my social secuirty number. I told him I would not verify anything over the phone, but that he could mail me any papers that he had and I would look at him. He then told me he had no choice but to proceed with the lawsuit. I told him that was fine, he could proceed with the lawsuit. He said he would see me in court. I called my local sheriff office and told them. They said it was a scam. That let them file a lawsuit if they had one, then I would have necessary paperwork and could see who was actually suing me. IT IS ALL A SCAM. They try scare tactics. He was so angry that I would not cooperate. If they have anything VALID agaisnt me, they will mail it to me. PLEASE, anyone out there, DO NOT GIVE THESE PEOPLE ANY MONEY!!!

These clowns sound like the same people calling from 408-837-0495. Middle eastern accents, very threatening, saying I owed money for a loan that I paid long ago. I tell them a different story everytime they call, just to confuse and make them angry. I contacted the Secret Service a while back, and they said they are probably from Nigeria, and therefore nearly impossible to catch. Just don't give them any personal info, and if you applied for a loan online (don't do that!), you may need to change your account number. Otherwise, they are just annoying scammers trying to steal from us. I would love to help catch them and see them in court! They have been calling me all year!