Put a stop payment on the charges now!

Have been receiving calls from this number and they told me I had to pay this debt.  4 payments of 160.00 and I gave them my debit card.  Help

My phone call was from Rancho Davis, Credit Litigation at 704-764-1033.  He called me at least 12 times at my work place, I finally let him speak with my boss.  I have contacted the BBB and they in turn have told me to call the Federal Trade Commission and speak with them.

I received one of these calls yesterday.  He had an Indian accent, calling from 704-764-1033, said his name was Rancho Davis.  He called and harrassed me at least 12 times, finally my boss got on the phone.  He said he was calling from Credit Litigation and demanding that I send him money.  He knew a lot of personal things about me, such as email, social and even knew my bank information.  I have called the BBB and they have referred me to the Federal Trade Commission, which I am planning to proceed with.

MY HUSBAND AND I HAVE BEEN RECEIVING CALLS FOR WEEKS NOW.THE CALLER OF INDIAN DECENT CLAIMED I WAS BEING CHARGED WITH 3 CHARGES IN THE CRIMINAL COURTS.THEY HAVE MY NAME SSN AND AN E-MAIL ADDRESS.THE NAMES USED WHERE ANTHONY BORDEN WHO WAS THE HIGHER ATHORITY,GARY MILLER,JACK NELSON,JOHN OBRIAN.#'S ARE 704-755-0213,714-408-4570,704-257-6513,714-257-3333.JUST THE ONES I HAVE WRITTEN DOWN.WHEN I REQUESTED ALL AFFIDAVITS AND LEGAL PAPERWORK BE SENT TO ME IMMEDIATELY.I HAD TO ASK REPEATLY AND NEVER GOT.ALSO CALLED AND ASKED FOR ADDRESS REPEATEDLY AND WAS HUNG UP ON.IN THE INITIAL CALL I WAS TOLD I HAD TO MAKE A PAYMENT NOW OR HE WAS ON THE WAY INTO THE COURTHOUSE TO FILE CHARGES.
 WHAT A SCAM!!!WILL BE REPORTING THIS TO ATHORITYS.

Almost forgot...in case anybody else wants to or can verify for future corroboration in possibly catching these criminals...that call back number for "Jack Nelson" was 704-257-6153

Additionally, I forgot I asked "Brian Scott" what his number was and he also gave me 704-257-6153 as well.
Probably fake numbers, but it helps to compare this information.

I think I will post something about this with a linkback to this thread on Craigslist in my area warning about the scam.

I live in Rhode Island. For the last two days, I have been receiving a high volume of calls from the same number in this topic -- as listed on my caller id (704-247-4048). The caller(s) all have thick accents, maybe India, or Pakistan.

The individual called my house yesterday afternoon approximately 14 times, stated his name was Jack Nelson to my wife when she finally answered the call, would not give her any reasons for his call except that it was urgent. This "Jack Nelson" also contacted my employer that same afternoon. He asked to speak with me at both locations but refused/omitted/neglected to give reason(s) for his call, but that it was urgent and he left a call back number ( ).

So this morning I did a search on the phone number in question and came upon this web page. I even went so far as to contact Norman Googel at the West Virginia Attorney General's office for more background information before answering a call. Norman was very helpful, I spoke to him for about 10 minutes and he was very adamant about this being a scam. We discussed the severity of what they are trying to do, having personal information as such, etc. And Norman also covered what steps I should take now that they have contacted me, which I cover at the end of this.

I had the feeling from their annoying phone calls yesterday that this was indeed a scam, as I've been getting a series of annoying phone calls and spam emails from a multitude of individuals with their offers since applying for a cash advance loan at Cash Advance. I would have gone down to a local Cash Advance establishment to do this in-person, but chose to apply online, and boy do I regret it.

(For purposes of proving that this is most certainly a scam to get people to pay them money that isn't necessary as there have been no crimes committed on my part, I must clarify that I applied for a loan, but I never accepted their terms and withdrew my request for a payday loan from Cash Advance of one of the many cash advance companies that followed up with me on the phone and by email.)

I answered the most recent call from this 704-247-4048 number this morning. "Jack Nelson" stated I was in violation of my responsibilities to pay back a payday loan issued from Cash Advance or one of it's affiliates, which according to him are 30-35 different check cashing and payday advance establishments. He recited my social security number, and asked me to verify it. I told him that I would do no such thing without official documentation being presented to me, either by mail, or in-person. Preferably the latter.

"Jack" then went through a series of what sounded like scripted responses and tactics to get me to verify my information. Very calmly and politely I turned the tables on poor "Jack". I began telling him the information he had for me was incorrect. I began asking him for his information. I never gave any hint that I already knew this was a scam.

"Jack" never lost his cool either, he finally asked if he could put me on hold, and after a few seconds of what sounded like someone fumbling with a phone by cupping their hand over the receiver...another man resumed the conversation with me.

He identified himself as "Brian Scott". "Brian" then stated that I had refused or was unable to verify my social security number with the other individual I spoke to, and this is why I was "transferred" to him.

"Brian" asked for my social security number again, to which I refused to verify. I asked him very politely who he represented, how they had my information, etc. He then stated that any questions I had could be asked once he stated what the phone call was about. That I should not interrupt him or use foul or derogatory language since the phone call was being monitored by the State House in Rhode Island (laughable!). I tried very hard not to begin laughing..I kept my cool instead and agreed with his terms..in order to get more information from him. =)

"Brainy Brian" then went through his list of "violations" I had (allegedly) committed, which include the following:
I obtained a payday loan through Cash Advance online.
The debt was incurred through my email address.
The funds were deposited by Electronic Funds Transfer (EFT) to my bank account and gave me my bank account number.
That I have since not repaid the loan and the company (Cash Advance or one of it's 30-35 affiliates) assumes it to be stolen since I have made no measures to pay it back.
I am now held accountable for fraud, including check fraud, and that to avoid going to court I can make arrangements with them to settle out of court.

This was all very interesting how they devised such a story in my mind. So I was very curious at this point, and when "Brian" finished I questioned him as follows:
How do you know you have the right person? After all, you have the wrong account numbers, address, and the fact I never completed a payday loan with Cash Advance or one of it's affiliates which can be proven as it's documented.
Secondly, where are you located "Brian" and who are you employed by? In the event this does go to court, may I have this information in order to present evidence to either prove my case or prove yours?

He responded he worked for a company that represented the lender and that I should try and be more forthcoming to resolve the issue, that the State of Rhode Island is a no tolerance state. Would I like to resolve this by being taken to court, the possibility of being arrested was also mentioned, and/or I could resolve this by settling the matter out of court for a small fee on top of what I still owe.

I continued with my line of questioning, rephrasing the questions and finally got him to say he was with a company called Credit Inquiry and Litigation (probably fake), and that they are located in North Carolina. I asked him how he is even connected to the State House in Rhode Island, enough to get our phone conversation monitored or why they would involve his service which isn't located in my state. I also asked him to explain how they have my work and home phone numbers when they do not have a legitimate claim to anything at this point without any documentation to prove what they are saying.

"Brain" gave numerous responses that were just drivel. None of it made sense. And I wasn't complying with it. In the end he stated that he was turning this over to "an officer" and they would be contacting me or something to that effect...and that I would be going to court soon.

NOW hopefully...they will stop calling me! =)

At this point, I have done what Atty Norman Googel instructed:
I've called the Attorney General's Office of Consumer Protection here in Rhode Island (401)274-4400...upon mentioning I've received a series of harassing phone calls trying to extort money from me, the secretary immediately asked in joking but knowing manner if it was the "credit card" call...so obviously there is more than one scam by phone going around right now.
I am also calling the Secret Service and the FBI to report the incident(s) and will  be following up with my local police department.
Unfortunately, Norman couldn't offer much more than that as far as reporting the incidents.
He offered to email me the links to his office's press release regarding the scam, as well as directing me to the ABC News story on this as well.
Norman also stated that no one should give out or verify their information with these individuals, that they are most likely working their scam off shore, and have likely somehow hacked into computer systems and are stealing personally identifiable information and contacting consumers with the intent of stealing or extorting money from them.

Good luck everyone.

Caller ID: unknown
Number Left on voice mail: (704) 247-4048 foreign accent call this number very important Sam Peterson.

Today this Steve Johnson calls me and tell me im under investigation saying that I have to pay so much money by the end of the month.. for a loan.. I kept asking him question which one it was and who he was.. I got nothing

PROTECT YOURSELF!  IMPORTANT INFORMATION YOU MUST READ ? HOW THE SCAM WORKS AND WHAT AGENCIES TO REPORT THEM TO

LONG RUNNING AND KNOWN SCAM ? ALL OVER INTERNET AND NEWS FOR ALMOST 2 YEARS NOW

Fake Debt Collectors ? Terrorizing Consumers

http://abcnews.go.com/Business/story?id=5621205&page=1


MORE ON FAKE DEBT COLLECTORS
http://800notes.com/Phone.aspx/1-904-425-9141
http://www.thepittsburghchannel.com/call4action/17285785/detail.html
http://www.800helpfla.com/newsletter/2008/092008.html

http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html   latest release of information on this scam

http://www.wvago.gov/internetloanscam.cfm
Attorney General Darrell McGraw took the extraordinary step today of warning the public about a band of scam artists making threats to consumers who allegedly obtained Internet payday loans in West Virginia and across the nation. The consumers they threaten never obtained a loan at all or paid it off years ago.

Internet payday loans are short-term loans or cash advances, usually for 14 days, made over the Internet via interactive web sites and secured by an agreement authorizing debits of the loan and all fees owed from the consumer?s checking account. These loans typically charge interest rates ranging from 600-800 APR and are unlawful in West Virginia.

The scam artists, who speak English with a foreign accent, call themselves ?U.S. National Bank,? ?Federal Investigation Bureau,? ?United Legal Processing? and numerous other phony names. They refuse to disclose real names and addresses and are believed to be operating ?off the grid? from homes, automobiles, or from off shore locations or foreign countries, including India. Since the scammers have kept themselves purposely well hidden, thus far no law enforcement agencies have succeeded in locating or shutting them down.

The scammers typically pose as law enforcement officers, investigators, lawyers, and bankers and threaten consumers that they will be arrested for ?bank fraud? or other fictitious crimes unless money is wired immediately. They simultaneously scare and confuse consumers by using meaningless legalese gobbledygook phrases such as, ?We are downloading warrants against you? or ?We are filing an affidavit against you.? Consumers who don?t immediately fall for the scam are warned, ?Only God can help you now.?

The scammers almost always call consumers at work several times a day, and tell their supervisors, ?Your employee has committed fraud and is about to be arrested.? Such threats have proven unsettling even to the most savvy consumers and employers who suspect the calls are fraudulent.

Attorney General McGraw stated, ?Ordinarily my office protects consumers from fraudulent activities by seeking injunctions in court. But legal action cannot be taken until the scam artists can be located. Even then, it is unlikely that the persons behind the fraudulent calls and extortionist threats would obey a court order. In this case, the consumer?s best defense is to be armed with the knowledge of the scam so that all demands for money can be resisted, despite the false but scarey threats of arrest.?

McGraw added, ?Because the fraudsters make a special point of calling consumers repeatedly at work, employers must understand that the consumers are innocent victims of a criminal enterprise and cannot stop the calls from coming. I also wish to assure the citizens of West Virginia that my office will continue to do everything possible to locate and shut down the outlaw debt collectors.?

More information about this fraudulent debt collection scheme is available at the Attorney General?s website, www.wvago.gov/internetloanscam. Any consumers who have been threatened by these persons or wish to file a complaint about another consumer matter may do so by calling the Consumer Protection Hot Line, 1-800-368-8808, or by obtaining a complaint form from the Attorney General?s web site.

It's a debt collection scam. And all their threats are false and illegal.
This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."
Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.
The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)
The bottom line is, these are criminals trying to steal your money.
A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.
This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.
Here's the contact information for the phone bank in India:
IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com
A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:
Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com  
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )
Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.
This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):
1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.
2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.
3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.
4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov
5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

http://800notes.com/Phone.aspx/1-925-262-1327
http://800notes.com/Phone.aspx/1-678-954-6346
http://800notes.com/Phone.aspx/1-888-341-4004
http://800notes.com/Phone.aspx/1-856-831-0640
http://800notes.com/Phone.aspx/1-949-743-1140
http://800notes.com/Phone.aspx/1-410-505-8128
http://800notes.com/Phone.aspx/1-917-464-2534
http://800notes.com/Phone.aspx/1-210-858-6602
http://800notes.com/Phone.aspx/1-888-775-2121
http://800notes.com/Phone.aspx/1-949-743-1156
http://800notes.com/Phone.aspx/1-214-245-1402
http://800notes.com/Phone.aspx/1-214-245-0922
http://800notes.com/Phone.aspx/1-214-723-5572
http://800notes.com/Phone.aspx/1-904-425-2863
http://800notes.com/Phone.aspx/1-718-831-7157
http://800notes.com/Phone.aspx/1-904-425-2857
http://800notes.com/Phone.aspx/1-858-244-0444
http://800notes.com/Phone.aspx/1-954-678-9724
http://800notes.com/Phone.aspx/1-610-571-3252
http://800notes.com/Phone.aspx/1-310-909-8245
http://800notes.com/Phone.aspx/1-310-499-9983
http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer placing false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer placing false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer placing false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer placing false postings as Karen Miller


Scam alert: Bogus debt collectors
By Leslie McFadden ? Bankrate.com
Monday, Aug. 3
Posted 2 p.m.
Bankrate reporter Leslie McFadden contributed this entry.
This scam isn't technically about credit cards, but it is scary enough to post a warning. The Better Business Bureau issued an alert today saying consumers across the country are getting phone calls from bogus debt collectors claiming default on a payday loan. Of course, the consumer needs to pay a large fee to avoid arrest -- as much as $1,000.
The caller poses as a lawyer, and may threaten extradition to face trial if the consumer doesn't pay up immediately.
What makes these calls alarming -- and perhaps convincing -- is that the perpetrators reference the consumer's personal information, such as the person's Social Security number, driver's license number, previous bank account numbers, home address -- even personal references.
"The amount of information they have is really troubling," says BBB spokeswoman Alison Southwick. She adds that the amount of data points to a possible security breach.
Spread the word to your friends and family: Don't give out personal or financial information to an unknown caller. Scammers can spoof Caller ID to display different numbers, so trust your instincts over technology.
The BBB offers these tips:
?    Ask the debt collector to provide official documentation which substantiates the debt.
?    Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.
?    File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws or the Fair Debt Collection Practices Act.
?    File a complaint with the Better Business Bureau online if you believe a debt collector is trying to scam you.

This is a SCAM!!  The other day I supposedly owed them money and the cops were going to come to my work...never happened.  Today they called and recited my SS# and said there is a problem with my number.  I'm not trippin.  They are full of it.  Oh yeah, Sam Peterson was his name, heavy indian accent.

He is still calling, every day at the same time. Says his name is Sam Peterson. Has a heavy Indian accent, and you can hear a gazillion people in the background reciting the same script.

Here is the script:

"This message is intended to ... matters of ... actually this call is in regards to one of your friends or relatives, Charlynne Elbin. Now, Charlynne Elbin has done a fraudulent activity and has registered your name and number as a reference. So your name and number is under investigation. So before you face any king of legal action, give me urgent call. My name is Sam Peterson. The number to me is 704-247-4048. Again that number is 704-247-4048. So don't disregard this message and return this call urgently. As any delay in callback may affect your credit rating. And you will end up in a legal mess. So return the call urgently. Till, then goodbye. Have a nice day."

I have been getting these calls for the that few days. The caller is eastern (thick accent) rolling r's and such. I have not answered.. Only listening to voice mail. I'm glad I saw these posts. I'm going to report this to somebody!

i recieved the same exact call i live in vegas same scenarios unable to get any info. Indian male said they were taking legal actiona against me if i didnt pay right now. Filed complaints with the FDC and FTC. Dont Payyyyyyyyy

My company just got a call from this number as well.  The person was again an indian, they said the person's name was David Scott...they actually said they were calling for one of our employees, by name and wanted information on him.  We told them they must fax a request over for any information.  They started to get confrontational in saying "so you are going to give any them this information".  We said we would only give information if they fax over a request and our employee would approve us giving out the information. We tried to get contact information beyond the number and they would not give any information.  Finally we just put them on hold and let them listen to our music.

After being woke up day after day by these "people" I decided to take action.  I got the Attorney General involved, however I needed a company name and address.  While trying to get this information I found that they love to get called back and asked questions again, and again, and again, and again (not really but it was really fun for me!)

I have had the same exact thing happen to me, they are refusing to give me any information. I have turned this over to my lawyer to now deal with.

Thats Scary! I hope you reported it to the cops!

I received this call everyday maybe 5 times a day. Also a indian sounding male. Trying to get money from me to pay a "loan" I took out. Said he was calling from CIL ( Credit Inquiries Litigations) No such thing. This is all a scam! His name he gave was Brian Cott, Yeah right! MOHAMMAD! Oh yeah and Jeff Morrison.

I received this call at my house today, every hour on the hour.  My parents were taking care of grandchild, they wanted them to give my social to them and wanted my cell phone!  He had indian accent and said his name was Justin Smith.  Said they were a federal agency and were going to pick me up at work.

Caller had Indian accent, was asking for someone that was not me. He said that this phone number was under legal investigation, told me to call him back asap to avoid legal problems. I've received this call twice.