704-200-9909
NC, US
texas
texas
2011-06-06 20:54:57
Unknown
they said i owed a debt to a company i had no dealings with.  they claim they are a law firm under central investigation and litigation, i researched the number and the name and found no information.  i called the company back they threatened me w/ jail time and said they were going to send the police to my house, they had my social w/ out me giving it and my address. i asked them for a location and searched the address given and it did not exist. i asked why i can't i find information on them, and was told this was a secret company.  i asked how to companies find them to use there service he said thru the government.  he said they are a secret government agency.  i told him i owed no money he cursed at me and said i was going to jail that he was sending is officer out. this is a scam, the people are not from the us and have thick accents it hard to understand them at times, the guy asked why i wanted there information and i said to give to my attorney, he then stopped giving me info and asked for my attorney phone # said he would call and answer his questions, i gave him a # not my attorney but a friends # and she said they never called.  this is a scam
simple guy
simple guy
2010-11-08 19:26:56
Unknown
You need need to file a lawsuite or they will ruin your life
The Saint
The Saint
2010-10-31 14:38:30
Unknown
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
anonymous
anonymous
2010-10-31 14:09:31
Unknown
These criminals have hostile intentions. Do not give out info or money. Do not let them control the conversation; talk *at* them. Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG. Buy a whistle or air horn and blow their ears off, God will forgive.
nita
nita
2010-10-31 13:57:31
Debt Collector
Michael Bevan,Patrick was his name. However it was the same person. My job recorder the conversation
nita
nita
2010-10-31 13:46:33
Unknown
Yes he told me the same thing.Michael Bevan or Patrick calling from N Carolina.Phone connection was terrible.
CC
CC
2010-10-27 16:29:36
Unknown
I have been receiving numerous calls from different phone #'s from these people.  They say they are sending cops to my worksite and that I will "serve hard time" for the debt that I supposedly did not pay.  They called my sister and told her she was going to jail - she has an unlisted phone number!  She called Homeland Security and they told her that they are a group of thugs out of Nigeria and that they are pulling a major extortion/scam operation.  She let him listen to the very weird message.  He asked if she felt endangered in any way and she said she didn't but they say things like "you are under 24 hour survellance" and "we are watching you" which could scare people who didn't know better.  I called them - actually called the number - as soon as they answered I said I wanted the calls to stop - without even knowing who I was, he started screaming -some of it in a language I didn't know - that I was a criminal and they were coming for me and that they were with the US Government. So I asked him why the government would have only foreigners doing these calls.  He cussed me and hung up.  I called back and the second guy who answered did the same - I called him a name and hung up
manager
manager
2010-10-26 15:05:00
Unknown
I have receieved many calls from this number to my place.  The person on the other line refused to offer a name and or a reason for a call, then threated to send "officers" to this place of business if I did not provide my name. I advised that I have asked this number not to call or it is a form of harrassment, he replied,"are you trying to teach me the law?"  I hung up, and this person proceeded to call 3 more times.  This business was forced to temp disco our contact line due to the disruption.
bucks2121
bucks2121
2010-10-22 13:26:38
Debt Collector
I've been getting this call for about a month and a half ! Its really weird I tried to explain it to my wife but none of it really makes any sence! For the most part I've ignored the call but he just keeps calling me over and over and over again! I talked to this man last night and he gave me the same B.S he's been giving everybody else. So I told him that I reported him and the number he's calling from and to stop calling me, he then paused and then told me he was going to start calling my work (which he did) until I paid him the 300 dollars that I owed to some company. Then he read all my information to me he had my checking acct.# my social# pretty much everything about me!! I'm pretty worried not sure what to do! HELP!!!!
1-773-891-5579 1-248-918-0307 1-514-843-5554
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