704-456-1060
NC, US
Scared in Texas
Scared in Texas
2011-06-06 20:54:58
Unknown
I  could not understand the woman in the message, but she said if I didn't return the call, I would be facing some serious legal matters. She knew the last digits of my social and had a case number for me, but it sounded really weird. I'm not sure if I should call back or not, but she has called me a couple of times today
nina
nina
2011-06-06 20:54:58
Unknown
I just received the same phone call said that if I don't call back I would face legal matters if anyone knows who they are please let me know
CONFUSED
CONFUSED
2011-06-06 20:54:58
Unknown
I just recevied a phone call as weel from a foriengn guy, and was very demanding,He had all my information, and said that if i dont try and settle this matter, it will go to court,and that a warrant will be sent out to me,because I didnt settle out of court...he ask for my informaton, containing card information and if i wanted the case stopped then I will have to fax a authrozation form to him with my information and how much I will be paying in payments,,,

Is this a game, are these people indentity thefts? PLEASE HELP, i DONT KNOW WHAT TO DO
jane uricchio
jane uricchio
2011-06-06 20:54:58
Unknown
I received a threatening message about bad consequences to my daughter if I didn't call back.  The man was foreign and diff to understand.  The threat was clear...
same as above
same as above
2011-06-06 20:54:58
Unknown
I received about 20 calls in a row from these people today. I tried calling back and got a "This international call cannot be completed as dialed...". I'm pretty sure they are scammers. And if you did say they were asking for a fax, don't do it! That has happened to me before and I'm almost 100% sure they are the same people who tried to scam me in the past and steal my identity. I'm so reporting them
Mike - Granada Hills
Mike - Granada Hills
2011-06-06 20:54:58
Unknown
Listen to this - I know these guys are based in Mumbai, India - they get your information from a creditor who may be angry with you because you have not paid a payday loan off yet.

They try to scam money out of you by scare tactics.

I told that "terd' world piece of crap to come to my home and serve me the papers - because when he gets there I am going to throw him off my cliff.

Do not give these people your credit card information they are extortionists.  If you find out which creditor set them on you - you have grounds for a major case of harrassment and abuse.  This creditor violated the Fair Debt Practices Act.  they may argue that you gave them permission to sell your information to third party contacts, but this is overly abusive and very threatening.  I believe even a crime may have been committed by the original creditor.
Mike - Granada Hills
Mike - Granada Hills
2011-06-06 20:54:58
Unknown
Read my message below and give these people nothing - don't even let them talk to you on the phone - just tell them they are extortionists and if they show their face in Texas, you will sick the Attorney General of your state on them.
Concerned Parent
Concerned Parent
2011-06-06 20:54:58
Unknown
his number has been calling my husband, my daughter and myself over and over. They call my daughter at work and on her personal phone, they have information of where she lives, works, and last four digits of social and a case number.  Told me I needed to get my daughter to give them credit card info, that she had committed a severe crime and that if we did not help them they would be seeing us also in the court house. They told my daughter that if she did not pay them some money, that harm would be coming to her..they know where she works. The caller to my husband was Steven Johnson. Told my husband that he would be sorry that he did not help him. None of the callers can speak English, you can't hardly understand a word they say. My husband told them to give him their address so he could come and take care of this and they would not give any information. He asked to talk to a supervisor and of course they would not comply. Every time he would ask for a city, they kept telling him North Carolina. My husband kept telling him, No, In the United States, that is a state, what city are you in so I can come there. LOL no reply of course. Don't give any info to these people. If the calls continue I am filing a complaint against the number for harassment and threats. By telling us that we would be in severe trouble also for not giving a message is asinine.
Donna Green
Donna Green
2011-06-06 20:54:58
Unknown
Threaten me with jail. said i took out a payday loan and didnt pay.  LIES~!  Report them.
Donna
Donna
2011-06-06 20:54:58
Unknown
Here's the deal.  Its all lies.  No legal debt collector will threaten you.  It is against FTC.  File a complaint with the FTC and file a local police report for harrassment.  Give them the phone number.  I did the above.  I also changed my number.  If it was legal then they would supply you with it in writting.  It is not legal not to give it to you in writing.  I am done dealing with them.  I do not owe any payday loan.  They got my info from the payday loan I did online.  Somehow they tapped into it or faked a business in order to get people to give them money.  It is fraud.  DO NOT fall for it.  REPORT them.  The more people who do so the better for all of us.  Who ever is doing this will be reading these boards and knows who is scared of them or not.  Its fake.  Report them to the police and file an actual police report like I did for harassment.  I have it all on my cell records the number of times they called.  I also voice record and tell them I am doing so.  I can say it enough but gosh REPORT them.  You do not need a name or name of company to do so.  You have a phone number.  Report the phone number!!!
Feistyme
Feistyme
2011-06-06 20:54:58
Unknown
This is crazy. They called me several times at home and work. They say all types of things to you to get you to tell them your information. Yes they do have my last four digits of my social, but they wont get anything with it..I cant even get anything with it. I applied for a paydayloan and never continued with it. I guess they are upset. What I dont understand is that they see that youapplied for a loan, common sense will tell them that you dont have any money! What a bunch of buttholes...They sound west indian to me, And they are in another country because you can hear it when you call back. We should start playing in their lines and see if they like it.
Feistme
Feistme
2011-06-06 20:54:58
Unknown
Ok, guys I found out these people were. I called their telephone company 919-719-1000 Us Lec of North Carolina. They contacted them immediately. It is a company set up in NC, but they are in India. It's like call forwarding. Please call their telehone company and report them! I did, the representative was appauled at some of the things I told her they said to me. If they get too many of these reports they will disconnect their lines. Also you can call *57 after each of their call, this automatically reports them as harrassment calls to your telephome co (verizon anyway)... let's fight back!
Donna
Donna
2011-06-06 20:54:58
Unknown
Here is the name and address I found on the internet.  I have no idea if it is the right name to the phone number BUT report it to the police.

Donnie Biddix and Ashlee Belew address 506 E Hill DR. Cherryville, NC 28021
debbie
debbie
2011-06-06 20:54:58
Unknown
I got a call from this number and have filed a police report
not easily fooled
not easily fooled
2011-06-06 20:54:58
Unknown
I recieved a phone call from (704) 456 1060 claiming I had gotten a cash advance and never bothered to pay it back. They threw an amount at me and said that they if I didnt pay that through them, I would see them in court. They refused to provide any other information, even something as simple as the name of the company who has this so called lawsuit out on me. They said they couldnt provide that. A few flags that went up in my head by the end of the call was the fact that everyone I spoke to sounded like they were from India. They refused to provide me any information I asked for and also refused to let me see or know anything about this lawsuit. Towards the end of the call the person I was talking to proceeded to get very offensive and start name calling and then put me on hold, picked up a few minutes later, and played dumb to everything I tried to say. I provided them with no information and now that I know for sure this is a scam, will file a police report against these people. Do not trust this number, nor should you provide them with any information whatsoever.
skywalker
skywalker
2011-06-06 20:54:58
Unknown
I've been receiving calls all day on cellphone and my work phone. His accent was so strong and he sounded so angry. He wanted me to confirm my information, these people need prosecuted.
Gary M.
Gary M.
2011-06-06 20:54:58
Unknown
I have been receiving calls at work and on my cell from these people. They are very rude and have a strong Indian accent. They keep telling me to give them a credit card or bank account number so I do not get charged with fraud. I have been using the *67 feature on my phone to hide my number and I have been calling them back daily as much as 20 times a day harassing them. they get so mad it is quite funny. they curse and call you names and say things about your wife or mother. Finally the guy asked me to stop calling and said he was going to report me for harassing him!!!!! I laughed and told him to go right ahead. He got so mad he started to scream at me and then hung up. If you have the time, harass them it is rather fun and maybe they will get the hint.
Emy
Emy
2011-06-06 20:54:58
Unknown
Been going through this to,this is a scam.My Bank is going after them for fraud.next time the call tell them you know it's a scam you are recording the call and tell them you are going to send everything to your State Attorney office and Federal trade commission.I did this today and he wasin a real hurry to get off the phone.Go on google enter the phone number,it tells you it's a scam
Darlex
Darlex
2010-09-24 16:21:33
Unknown
Just recieved a call. I told them they were the ones committing fraud and they could file a suit on me if they wanted to. Needless to say, they would not tell me who they are working for or what company they are. They hung up on me.
Jenny
Jenny
2010-09-21 13:43:48
Unknown
WOW!!! Just WOW!! These people should come and knock on my door so that I can REALLY give them a piece of my mind!!!
The Saint
The Saint
2010-09-21 13:33:39
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
Jenny
Jenny
2010-09-21 13:28:31
Unknown
I have been receiving calls from this # for the last week on both my cell phone as well as my work phone.  They keep trying to tell me that I have committed some sort of fraud! They not only have my social security number but they also keep asking to speak with my manager.  I am not sure why these people keep calling but please someone let me know how to press charges on them.
Feistyme
Feistyme
2010-09-16 21:42:16
Prank Call
This is crazy. They called me several times at home and work. They say all types of things to you to get you to tell them your information. Yes they do have my last four digits of my social, but they wont get anything with it..I cant even get anything with it. I applied for a paydayloan and never continued with it. I guess they are upset. What I dont understand is that they see that youapplied for a loan, common sense will tell them that you dont have any money! What a bunch of b****oles...They sound west indian to me, And they are in another country because you can hear it when you call back. We should start playing in their lines and see if they like it.
Fred
Fred
2010-09-14 19:39:57
Unknown
Coukld not hear them, told me criminal charges were pressed against me then I told them that I would check washington courts and see.  Then they changed it to that they were pending.  Would not tell me how much money I owed.  And the list goes on and on
1-956-090-8687 1-757-769-7127 1-888-944-4424
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