This is a fraudulant company. Do not give any information to them. I have reported them to my states' attorney general's office and you should do the same. This is a total scam.

called cell phone said he was an officer asking about unpaid loans of some sort and even said i may need to go to jail.

I havent had any calls in  a few days. I reported them to the local police and filed a complaint with the ohio attorney generals office.  I think i am going to cancel my  bank account and open another just in case.

they have hundreds of numbers

that number may now be disconnected but i assure you they have othes..


im on a mission to get these people arrested...I SUGGEST EVERYONE AND I MEAN EVERYONE REPORT THEM TO THE FTC FBI ATTORNEY GENERAL AND LOCAL POLICE.

STATE ITS AN PAKISTAN OPERATION....

THE PROPER AUTHORIES HAVE TO TAKE SOME ACTION AND GET THESE PEOPLE ARRESTED

Have they stopped calling you?

Oh my god I cant believe this. I have been searching to find out who these bastards are.  They keep calling me saying i owe on a loan that i never took out. they want 300 dollars from me. I reported them to the police so i will now call the attorney general.  Has anyone found a way to make them stop calling.

called my place of employment all day saying I owed for a debt and wanted me to send him 200 dollars on a walmart card, and kept calling my job every second threatening to send state investigators to my job, and threatened a city sherriff when he tried to talk to them about threatening me and harrassing me on my job.  He kept saying he was a attorney.

danny taylor,michaek clark all off them are mother fuckerssssssssssss..........working in india

they called me by the name off hon victor marrero and told me that if i dont pay the money they will arrest first off all hon victor marrero is judge with united states off district court house and he knows perfect english and guys calling from india tells that they are victor marrero..are we fools we are americans more smatter than you foolish indians........i know this guiy is danny taylor,victor marrero,mike davidson,jack davis,michael clarke all of them are mothers f***ers they are frauds dont pay any type off money to them.......

This person has called my cell and has personal information on me.  I have contacted my attorny and will contact the attorny general's office.

this is NOT a collection agency..its a bunch of indian scammers..... i threatened them back with the FBI and homeland security.  

i suggest everyone report them... something needs to be done with them...been receiving calls for a few month and at work too..

i just got call.. saying i have not paid a payday loan of 300 dollars...really!!! an one of the guys started yelling at me when i told him i never recieved a loan...

This keeps calling me and is telling me that my social security number is in trouble and that if I don't get ahold of him then I could be in trouble with the distrist court of the united states and I may wake up in alot of trouble. First of all I am in bad health and have a heart problem so I don't need this so they can just leave me alone and i will get ahold of my goveror here where i live at.

Just received a call @ work threatening me that the FBI was coming after me because of unpaid payday loans. Reported them the the authorities and to the Federal Trade Commission.

Any calls from this number is a scam. Threaten them with reporting them to your local law enforcement and states' attorney general's office. I have reported them already. I'm trying to find out if we can report them to the FCC for violations.

Got a call onmy home phone stating i haad a legsl allegatins against me and i need topay this debt with  a wal-mart card if i didnt pay i would loss my job and be arrest. Then Sat igot a call on my cell saying i had a pay day loan if i didnt pay they were going to take legal action i told them to  them to sen d me the paperwork showing me what i owes this for they told  me i need a fax number i told them i didn't have one they ask me if i had a copier i told them no but i could get one he said oh no legal action would be taken to get me a lawyer sasid good luck and hung up .Then my husband called them they told him not to be a tough guy and hung up on him.

My bad, sorry:  I am referring this to Al...

Pug-How do you know they are supporting "terrorists"?  Scams artists are all over the world.

This number has been calling me for the past 4 days saying that I owe 525 dollars for an online phone payment. They tell me that if I do not call them back, law officers will be at my door for internet fraud. 2 people keep calling me with Indian accents. One uses the name Mike Tingsley.. They have left me threatning messages. I have saved all the messages they have left me. I refuse to call them back.

This caller calleed me several times telling me do I want to here abount my case file .. I went through his verbage and he says they deposited money into my account - $ 300.00 and that I have failed to pay them back .....

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 guy called me and said if me or my lawyer did not call him back i would be in really big trouble. Really my four year old gets in really big trouble they could at least learn how to speak like adults and better english i had to listen to the mess 5 times just to figure out some of what he said

I believe these scam artists are somehow tied with Payday loan companies. I think some of these Payday loan companies must sell consumer infomation to these types of crooks, and they in turn, call and threaten people. Just report the calls/numbers to the U.S. Marshals Service, the FBI, so they can trace them to the idiots behind this crime.

Friends -

The people making these calls are financing Islamic terrorists !!!

No one they call owes any money.  If you pick up the phone, scare them.  Thank the caller for phoning the FBI and ask where they are so you can come arrest the caller for financial fraud.

Al The Pig

If you are not already on it, contact the FTC and place yourself on the National Do Not Call Registry.  Then file a complaint with the FTC, which you can do on line.  You can also file a complaint with your state's attorney general office.  Every time he calls me, I file another complaint.  I will do this until he stops.  Good luck.

This idiot called me threatening me with some vague legal action.  I could barely understand him, strong Indian accent.  I filed a complaint with the FTC and then when he called me (for the 7th time that day) I told him I had filed a complaint against him and he better stop calling.  He then called me the next day from a 469-582-7512 number, which is in Texas.  So I guess he drove from New York (646 area code) to Texas to call me.  Right.  This moron is calling from somewhere in India and is using a switch service.  I figure their thinking must be if we call 100 people, at least 1 or 2 will get scared and send them some money.  Don't even talk to this do***ebag.  He called again Friday (at 07:37 in the morning, which is also against the law) but didn't leave a message.  I then filed another complaint with the FTC.  I wish someone would put these jerkoffs out of business.  PEOPLE:  DON'T FALL FOR THIS SCAM!!

I recieved same call here! Scared me! When I said I wanted to know who he was representing he hung up .He knew my name, last four of social, and where I bank! Where do I report him?

Oh my god I cant believe this. I have been searching to find out who these b*****ds are.  They keep calling me saying i owe on a loan that i never took out. they want 300 dollars from me. I reported them to the police so i will now call the attorney general.  Has anyone found a way to make them stop calling.

A Harold Johnson called me. Said he was callining from a New York District court and a criminal case with my name and phone number.  Since I work for a court and know that kind of phone call is not made by the courts I asked him to fax me all documentation. He wanted me to give him my checking account number. Very heavy accent.  When I told him to fax me documentation again he hung up.  I reported this to my local police dept and to my bank. He called once more and I told him I wanted a fax with info.  He again hung up and I have not heard from him again.

Company stated they are with the united states district court and if I did not call back with in the next 2 hours they were going to freeze all my accounts etc...