I recieved the same phone call but also from the number +052312293 they called multiple times a day including my employer. Always leaving messages (because I don't answer unknown numbers) that if I didn't call right away the litigations would unfold and he could only wish me luck. This first started in February and I called him back after about 3 weeks of phone calls and told him I never recieved a cash advance and had bank records to prove it. He hung up on me. Now, 5 months later the calls started again and after 2 weeks of it I called him back and it was the same story. I yelled at him telling him I have NEVER recieved a cash advance and that we already had this conversation and that I looked up his number and found out it was a scam and he was never getting money from me, he could go ahead and take me to court! Then I hung up on him!!!

So far no more calls yet today, but we will see how the rest of the week goes!

They are foriegners, and yes he used the name James Davis, but when he calls from the +052 number he uses a different common American name. I know it is the same guy though because the voicemails were EXACTLY the same, and his thick accent was exactly the same, and it was for the same supposed cash advance.

They get your information from online forms, they know your ss number, bank acct numbers, and address, and employer information!!!! THEY ARE SCAM ARTISTS AND THEY NEED STOPPED

ALSO: When I dialed back the number my cell phone provided had an automated message that it was an international call!!!

Our client have received calls from a James Davis claiming to be from American Law and collecting for a payday loan.  They read some bogus affidavit claiming the person has committed federal fraud.  THEY ARE FAKE.  When we called them they did not want to take any information from us.

They called me today and when i accused them of being a scam they called me a mother F----R and admitted they were a scam

Same Song and Dance here, Wont get specific, same people and accents.

Thank you all for your input, It took a whole load off my mind.

I'll be calling my uncle at the F.B.I. Now!!!

CALL UR LOCAL SECRET SERVICE AND TELL THEM YOU ARE BEING  Targeted by Extortionist !!!!

This Guy Called us about 30 times in one day and said the same thing they said about the loan system! So what should I tell him? His name is Gabrieal as far as I Can tell! We had a very hard time understanding him! His phone number was 1-707-633-2788 He called 20 times this moring and he's or his friend call all week long! What can we do about this? Ron Neese

I started getting the same calls at work for people claming to be from American Legal Service stating I owe money for a check from cash advance and I never wrote on there or did one on line. They tried to tell me I will have three charges against me if I dont pay them 900 dollars. It is all bull.....

He called 9-9-2010 to a cellphone.   He was very hard to understand.   But here is what I could decifer from his message:
"Simon Roth (Ross?) with American Legal Services Lawfirm.   Friend or family used me on a request for money and has committed fraud against a financial company.   That I was on the law suit and must call him right away at 707-633-2788."


I called Amer.Leg.Srvs and informed them and got a response that he is not part of their company and would investigate.

I appreciate this link.  Thank you posting.

The SAME guy called me from that number saying that I owed cash advance money as well. He had ALL my information but could not tell me when the money was put into my account. He also calls from a 559 399 0838 number

He called several times, saying it was a legal case we were involved with...as soon as we called back, he asked for more information from us, which we declined to give. Of course, we googled the # and this page came up, so I told him it was a scam. He said "tell me definition of a scam." and got quite aggressive. Finally I said "f-- you" and hung up.

I received the same harassment from someone claiming to be "James Davis" today.  HE said he was working for the attorney thats handling the case He has been calling for the last year and know are calling my children telling them that they are going to visit me in federal prison we need to track this guy down i think he is using vonege im calling them tommarrow Did anyone contact a specific officer/ph # so I may also file my complaint and with multiple complaints- hopefully  I also did a phone reversal we can help the police put these criminals in jail where they belong!

This James Davis called me about a payday loan that I had never received (especially since these loans are ILLEGAL in georgia) and said CashNet was suing me on three charges. How do you stop them from calling you??

This is true! This James Davis with a very strong Indian or Pakistainan accent called me yesterday claiming to be a collector for cashadvance usa and come to find out through another business that it was a scam. I hung up on this a**hole because of the way he was talking to me. I want to know how this mutherfucker got my personal info?

SCAM

I received a call today from a sick friend of mine that said she got a harassing phone call from some guy named Simon Walsh (707-633-2788) that was trying to reach me about a legal problem.  She told him she would give me the message.  She did.  When I called the number (with my number blocked) the Pakistani guy would not give me any information.  He said he needed information from me.  When I told him I wasn't giving any information (which I wouldn't have given him) without getting information from him he hung up.  I called back four more times and spoke to the same guy each time with the same results.  He wanted info from me and wouldn't give me any information.  I still don't know why he was even calling!@#?  I'm fed up and want to know how to stop this harassment and potential for identity theft.  Did someone hack into Cash Advances computer and get info?

I received the same harassment from someone claiming to be "James Davis" today.  Did anyone contact a specific officer/ph # so I may also file my complaint and with multiple complaints- hopefully we can help the police put these criminals in jail where they belong!

I called the police department about these people they told me to file identity theft charges against them. I will see what happens.  They even threatenedy mom with legal action.  This is a major scam

I too received calls from Simon Ross.  They first started in April and I told him to send me all the information about this "loan" that I did not pay back.  Even though he had personal information, I did not take out a loan.  I never confirmed or denied the information he had.  He told me he was sending the police to arrest me, and I asked if that would mean I get a free trip to CA afterwards.  (He did not find this amusing).  It is now July, and once again the phone calls have started.  I always ask to speak to his supervisor or someone in  charge, sometimes he hangs up, other times I get someone else that can not speak very good english.  Is there anyway to stop the harrassment?

I too have fell victim of Simon Ross calling my job several times even after I told him to stop calling. I finally got fed up with it and contacted the local authorities in California to investigate this. None of us have time for this type of nonsense in our lives and this harassment needs to stop.

Well this Jame Davis person has now evolved into someone named Simon.  I too received a message from an unknown caller.  He stated that it was imperative that I do not disregard his message and call him back right away.  He stated that if I or my attorney did not call him back that he could only wish me luck on the situation that would unfold.  

When I called the number back he aswered the phone as James Davis.  I asked to speak to Simon and he told me that his paralegal Simon was making the call on his behalf.  I could tell that he was calling from a call center because of the background noise.  He said that his company American Legal had pressed charges against me for various reasons stemming from a cash advance that was never paid.

He rattled off my personal information as well...email address, last four of my SSN, last four of my routing and even my current employer.  The only information that he had that was not accurate was the state that I lived in.

He got very angry when I cut him off and told him that I never took out a cash advance therefore did not care what he had to say.  He told me that I would go to jail so I should care.  I told him to proceed with whatever actions they had to take because the information that he had simply was false!  That pissed him off even more and began yelling more.  Needless to say that I hung up on him.

Like several others have stated these people are scammers and should not be trusted.  Do not believe anything that it said and end the call as soon as possible.

Received 3 voicemails from this number at work and cell phone claiming they were a law firm.  Very strong Indian accent, hard to understand.  Claimed they were representing cashadvanceusa and that I took out a loan and did not pay back.  They rattled off all my personal information, ssn, drivers lic number, address, bank account number, work address, email address.  Claimed I had been receiving calls, mail and emails from the company trying to collect the money I owe them.  I tried to get the guy to fax or email me a copy of what they said they sent to me and he said that I will get it in court.  I told him to show me something proving that I applied and he said it was all handled online and there isn't any paperwork. He said that I need to contact my attorney.   I asked for a date that the money was supposed to have been deposited into my account and he could only tell me it was in January.  He said that the loan I took out was for $300, but I now owe almost $1,300 and if I didn't pay him right now  then the Sheriffs will be at my door with a warrant for my arrest.  I told him that would be fine, send them and I will see him and the evidence he claimed to have in court.
This all happened in about 10 phone calls because he kept hanging up on myself and my husband.  He was very rude and cussing, then would hang up.  We would call him back again and again.  He was getting so angry at us because we kept telling him that he was running a scam and that this was fraud.  He started yelling louder and louder and said he was mad because we were questioning him.

I believe this guys used the name "James Davis".


THIS IS A SCAM...DO NOT FALL FOR IT...DO NOT GIVE THESE PEOPLE ANY MONEY.  TELL THEM YOU WILL SEE THEM IN COURT AND THEY WILL STOP.

So I got a many voice mails about a mth ago from this guy and when I told him he was full of crap he got mad and hung up and I didn't get any more calls for about a mth. But today at work I got another phone call saying I owe like $726.72 but they would settle for $512.00. When I told him that I was going to contact my lawyer about this and have him get back to him he was all for it until I statrted asking him for personal info. THIS IS A SCAM. I called last mth and reported them to my local PD but I don't know what came of it but I want the calls to stop!!

I received my first call on 9/20/10 I was freaking out, I was so scared  they had all my Information. including my employer information. What I did was call a a local cash advance business and I told them about my phone call .  The woman was confused but took my claim seriously and  put  me on hold . When she came back to the phone  the fist thing the asked me was " Do they have a middle eastern accent " .. OMG I almost fainted and I told her yes and she asked me to give her my e-mail address and  she was going to send me a link ( http://800notes.com/Phone.aspx/1-901-457-1573 )and she wanted me to go to it  NOW! and she asked me to call her back  if I had anymore questions. Well I read this and it advised me to contact the secret service and the FBI , because I was being targeted by extortionists over the phone. I called my local Secret Service department and they were great they took my claim seriously and asked me to call them back if I was contacted  by these people again.

I received a 2nd call on 9-21-10 but it was now at my work number. I had told my co-worker about all the calls , so she knew immediately who it was. So  I dialed the agent at the Secret Service and he knew right away who I was and asked me to get on  the phone with this person and tell him they were doing a federal investigation on him  and to ask this caller to call him (the agent ) .... So  I did and this unknown caller with  no reaction said OK and I gave him the number to the local Secret service and I hung up on him ... I hope they don't call me again ...

But out of all this even though I know (or hope )I am in no physical danger , How scary is it that someone out there has ALL your personal information ??????????  I am shocked and it makes me sick to my stomach that this could even happen ..  

They said there were calling from a Law firm and were calling in behalf of CashadvanceUSA.

Called my wife from a "Blocked" number. Said someone had used her name fraudulently and that she needed to call DEXTER TAYLOR back at 707-633-2788. I have found MANY reports of this being a fraud. Please do not pay them, give any information or verify any information. Tell them to persue their legal matter with the person who supposedly committed the fraud and send you documentation. It ticks them off since they probably don't even know where you live, ha ha on them.

I guess he changed his name again, now goes by DEXTER TAYLOR. Called my wife today and said someone had fraudulently used her name. He hasn't asked for money yet. When he called his number came up as "Restricted" and to call him back at 707-633-2788.

Print this thread off and give it to your employer.

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

I just received a call at my job from a Simon Ross from the number of 707-633-2788. He ask for me by name and I had my social number and all my information. I refused to identify myself. He indicated that he was calling from the American Legal Services with the Dept. of Justice and ask me why was I lying about who I was. He threatened me and stated that I was being sued by the Dept. of Justice. Who are these people and where did they get my information from. I do recall filing out a few job applications online by nothing more. Could they have gotten my information by phishing my emails or the job sites that I completed the applications on. Who can I report these people to. Someone help please, I can not afford to lose my job due to all these calls I am receiving on daily basis.

I JUST got called by this guy, what did you do? He has ALL my information.

I can't believe this has happened to so many people.  I was contacted by James Davis on 08/24/10 stating he worked for American Legal Services and was collecting for CashAdvance. I contacted the American Legal Services and asked about him; found out he did not work there.  The attorney at American Legal Services called this James Davis and told him if he didn't "cease and assist" he would take actions against him.  James Davis then replied, "God bless" and hung up.

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.)

I had Jame Davis call me from the number 707-633-2788.  He said he was from the American League Attorney's office and that he was calling me in regards to a fraudulent payday loan I received in my bank via electronic check. He also had the name of my friend's, My sister's name and my address, and my social security number. I was scared, I didn't know how he got that information. He threatened me with the police, garnishment of whatever funds I have and threatened me about losing my job and reporting it to my boss.I'm still shakened up about all this.