i to just got a call from a mark johnson stating i was going to jail for not paying for payday loans that i did recieve. I was frightened to death, he explained that i was fraudulent and commited a crime and that i was going to jail and was going to be made an example of. I am scared due to the fact i did take out the loans and lost my job shortly after these loans were giving. I ASKED HIM THE AMOUNT I HAD TAKEN OUT AND HE COULDNT TELL ME THE DATE AND INSISTED THAT I WAS GOING TO JAIL. I HOPE SOMEONE CAN DO SOMETHING ABOUT THIS SCAM, I HAVE ENOUGH WORRY WITHOUT PEOPLE TRYING TO SCAM ME TO.  MY EMAIL ADDRESS IS saralynn83642@yahoo,com if u have any info about how we can STOP this..

I received a call today from this company from 661-246-4695, threatening me with a law suit for money that wasn't paid back, but I never received or owe any money to them or anyone else.  It really scared me at first, but I soon realized it was a scam.  How can I stop this?

You are able to buy a phone number in any state or country now, so they probably are not calling from California.

This "Marshall" says he is calling from the Legal mumbo-jumbo; I laugh out loud since I have lawyers in my family and I've worked for the attorney general's office in the past. I tell him I will gladly wait for the "marshalls" to come to my home or work location and pick me up; (LOL)

Next he says he really appreciates all the laughing at him and I need to get a "reputed" lawyer?? I say, do you mean reputable? I explain that until he knows the American Legal System and can call my cell phone number and use American terms, then he is wasting my time.

I know I don't have to answer but I just like messing with them!

They are just trying to scare you. If you do not owe the debt and they are calling the wrong person, let them know. They probably will not listen, but tell them they have the wrong number and refer them to your attorney general office. Next, if you do owe, if you do not pay your payday loan it is not a Criminal Act, it is a Civil Act.

Yes I keep getting the calls for my husband and I found out it was scam and just hung up with a man named Bryan King of course he is an Indian descent with an american name come on people get real. He has threatened me with jail court cost legal fees and so forth but I do not give them any info and for them to send me actual documents concerning this and of course they cannot. SCAM SCAM SCAM and the phone numbers are 661-270-6712, 661-240-9237 and they say it is from Speeedy Cash so I called them and they said it was a scam from the get go. Do not offer any info and report to the police.And another one of the names is Roger Jones and he is from India also with american name. todays date is 4-15-11

They called me saying its a time sensitive matter. She had a american name with a indian accent. The call did sound scary with a threat. I will not call back either

They keep calling me @ least once a week. I cannto hardly understand what they are saying. They claim to be from Legal Associates of California 661.213.9236. I asked him what this is regarding he said a legal case against me. I told him that he could contact my attorney I gave him his name. Then I said actually let me speak to someone who can tell me what is goign on, so he says hold please. When they returned to the call it was the same guy. Being VERY rude! I told him this is the same person I was speakign to before he started yellign @ me then told me I was going to jail & still would not tell me what the case was regarding! Then he hung up on me. I tried to call back & it was a recording that they were not available or something! They have even called my work number! It is really embarrassing! How can I stop these people from contacting me on my cell & work numbers???

Do not give these people any money.  Do talk to them hangup. Threaten them with immigration. fbi, your attorney. law enforcement.

oh my gosh! the exact same thing happened to me to a tee!! said his name was danny and thats the first thing i thought when i heard him speaking, he was reading from a script! i became angry with them called them all sorts of names asked for higher ups anything that would legitimately prove that i owed this supposed debt!  They were extremely rude and couldnt seem to get their english phrases correct and kept having to correct themselves! I told one lady that she was lying and she told me to be careful about the words i speak and became very defensive! I asked for the name of the company and when i started to ask other questions i was hung up on and they have not called me since!

They are still bothering me. The way they are calling from all of these different numbers is because they are calling from a Magic Jack line.

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

http://800notes.com/Phone.aspx/1-631-456-4041/2

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
FTC
FBI
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.

http://800notes.com/Phone.aspx/1-646-274-1143/3

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.

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

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

Got to work yesterday and was told I had a message with this phone number. Was told his name was Oscar Ortiz. I got home from work and had a message on my phone and it was this Oscar Ortiz. Clearly he had a foreign accent but not a latin accent like the name would suggest. He spoke slowly like he was reading a script and since I have had several scam calls, it was the exact same message as I have had before. I gather all the info I can find and turn them into my attorney general.

There is actually a Scam alert message on Cash Advances website telling you not to give them any information and to call the local authorities. I don't know what good that will do, but I'm going to do it. I called the number back left a message that I was calling the state police to report them and that I was getting an attorney. I'm also calling my bank to block any transactions that they might try to take. I told them if they were truly trying to collect a debt for this USA cash for something that I didn't pay, they needed to send me the proof and that I would have lawyer waiting.

OMG. I received the same call. Two times.  The first one from a guy named Michael Johnson (foreigner) was incredibly rude and told me that I was going to jain and so I  paid, because I had taken out a loan from Cash Advance and I thought I had missed a payment. Now I got another round of calls last night. This time from a Steven (foreigner) told me that they were going to show up at my place of employment and arrest me in front of my co workers and take me to jail. I asked him who this was for and he gave me a name of USA cash. I said I never had a loan through USA cash.  I don't have a lawyer nor can I afford one and I didn't know what to do. They got $800 from me. Can someone help me? Thes people need to be stopped.

i just got the same call all my info and also saying i was going to jail

Reporting them is not enough, you need to have some type of legal plan and identity theft plan in place.  When I called the telephone number, I was asked if I had an attorney I said yes.  I asked the Rep if he had heard of Prepaid Legal Services, Inc., he immediately hung up.  I actually had to call them back to get the little bit of infor I had.  I'm so sure he wasn't expecting me to have an attorney.  I really want to shut them down.

For more about these plans:  (215) 275-2332

I too received the same type of call last night and the message left was very nasty, which is why I promptly returned the call today.  The Reps that I spoke to were very rude and sarcastic, and refused to give the name and address of the company.  When they did give information, it was very limited, such as, the dollar amount of the loan, theatened arrest, etc.

I had to call the number several times just to get that little bit of information.  Fortunately, I do have an attorney, but to take any kind of action, they needed the name and address of the company; which the Rep. refused to give.  At that point, I decided to Google them and the results brought me to this page.

There is a solution to this problem, which is to add the Identity Theft Plan to my Prepaid Legal membership.  By the time they call me again, I will have my Identiy Theft Plan in place, so that they can go after them and shut them.  The legal and identity plans work together to resolve these types of issues.  I want these people to pay for their harassment of me and others.

For more information on the plans:  215 275-2332

I just had a call from Keith Nelson same scam I am glad I googled the phone number. I too was unaware of a payday loan allegedly deposited into my account.  No dates were provided for this loan.  Just threats of jail time and a court case to come.

received same type of call from Mark Johnson(foreigner) threatened with a law suit. They refused to give me the number of the company. I researched "legal associates of California" I could not find any company by that name.

Same guy that called me and the first time it was Brandon Brown at 573-340-5662 but was the same recording and the same person I spoke to. The background sounds like a call center.

I too have received the same call twice now with an almost threatening message on my voice mail.They state that they are an attorney.  I returned the call and when I explained to them that I had proof that I never took out a loan, they became very irate and hung up on me stating that they would see me in court. I never took out any payday loan and my bank records will prove this as they even gave me a specific date that i supposedly received the money. They told me that I would be getting a papers today or tomorrow for court on Friday of this week. How do I report them?

This man named Mark Johnson( foreigner with a American name) called my cell phone stating that I would be locked up and I will have to go to court on Monday.  When I told him that Monday is a holiday he got upset, telling me to shut up and listen to him and I had to agree that I understood everything that he was saying.  I argued that I had no clue who or what they were referring to.  They were very rude and would not let me speak to a supervisor.  I believe this was some sort of scam.  I called my cell phone company to make them aware that I received this call.  This is very scary.

I received a phone call today from a someone named Danny. You call tell number he was reading from a script and a foreigner. He was claiming that a file had been taken out against me for a cash advance. I've never taken out a cash advance. I received a phone a month ago from them saying there going to sue over this so call cash advance. i asked them to send documentation of this loan never received anything. They claim the money was deposited into my account. I've never taken out a cash advance loan nor received any unexplained money in my account. I've looked up the number on several websites and its coming up as a cell number so this evidently someone trying to scam someone out of money.

I received a call a few weeks ago telling me I had a claim being filed against me for a cash advance I had never taken. About 5 minutes ago I received the same call from this number regarding the exact same thing. Im so sick of these calls. They have all of my information. Social name address. Honestly it s s scares me that they have all if this. Be on the lookout for this number. If anyone knows of how to report them please let me know.