Some time ago these jokers were calling my home phone and my cell phone; sometimes as much as sixteen times per day! When they said I was going to jail, I asked how I should pack. I also asked if I was going to jail in the U.S. or if I'd be in jail in Nigeria.  After pretending that i wired the money they were demanding, I tried to let them I know I was aware of the scam  they had going and they needed to learn better English ! After daily calls for almost two months I went to my local police department and filed a report. Being these scam artists aren't even in the United States there isn't a lot that can be done. The next call I received after filing the police report, I informed Mr. George Washington or Mr. Kenny Rogers that the police have been made aware of what they are doing. They didn't seem to care. ( Just as I thought. )
After a lot of headaches, wild goose chases, joking back to these jokers and a lot of frustration, I ended up changing my home phone number and my cell phone number! AT&T didn't charge me to change my number due to the harassment I was suffering; and Comcast changed my home phone number for free as well.

Got the same call from robin wilson the number was 1 303 997 1107 they said the same things to me like there cop is going to come to my job and arrest me. They have all my info like ssn bank info what do I do and can some one get back to me and let me know if anything ever happened to you .

wow, I've been receiving these same harrassing calls stating "if you ignore this message, may God be with me". The caller said that I would go to jail if I didn't respond.  It's all a scam, apparently when you apply for a pay day loan they somehow gather you information even if you don't take out the loan (which I did not), and then persist to harrass you with continuous phone calls.  This is not embarrassing, it's out right freightening. I am going to report this so that it can at least be put out there for others to be aware of.

Received a call from 1-714-333-2928, stating they were about to take legal action against me for a Pay Day Loan taken out in Oct.08, advised caller that I have no record of ever requesting a pay day loan from the company in reference,Quick Cash. Asked caller if they could send me some documentation showing where I signed for this loan, caller would not provide any paperwork and threatened to contact my employer and take legal action against me. I stated, do what you feel is best, refusing to pay for something from someone that will not provide their company information or backup on this mystery loan!

i just received a call from acs stating that i have an unpaid loan with them and at one point i did
but i paid off the balance more than 3 months ago. i explained to the representative that i made payments
and i have proof of this. and before i could continue the conversation he hung up. this is suspect.

Same thing happened to me.First an indian woman called me said she was with ACS and she was an attorney and that I had a payday loan I took out fraudulently and they wer going to put me in jail .First of all I have never taken out a payday loan and certainly never will especially after this and the person would not even let me say anything and when I ask her for documentation she just said it was being handed over to the courts and after I told her that this sounded like a scam to me she hung up immediately. A few days later an Indian sounding man called me with the same story but all he did was yell and I could barely understand anything he was saying and when I told him to send me documentation he said that I would be in jail tomorrow and hung up.They say they are attorneys and throw around words like federal and fdic to scare you I guess someone needs to stop these people before they get peoples money.

Wow, just wow. I see I'm not the only one. I got a call from a Robin Wilson with an Indian accent talking about legal action and he's from the Law and Investigation... "someone"... and if I pay my case won't go to local and state court and just sounding so so rediculous. I asked him, what Payday loan company is this for exactly, and he said I can't give that info? REALLY? Debt collectors and/or real law agency can answer this question for you if you want to know why they are calling to begin with. Everyone I talked to, including those who had Payday loans, said this was a scare tactic, and after reading these posts here, I fully understand I am NOT alone. And I took a loan out in November and am working on consolidating my loan to pay them back. I was told no one can just take legal action THAT fast... at 6 to 12 months has to pass before it can go that far. Oh and... also, this guys says, "Here, right this down and fax this to us: I <insert name here> will pay the amount of <insert amount here> to ACS with my <insert card info here> on the date of <insert date and time here>. If he really was "official", then he should be mailing me a document to sign and return, not having my type something up, and fax it to them. They will get their money I borrowed, but I will NEVER get a loan from them again and I will be glad to be done with them after this harassment. And he calls me at work and home.Hope this helps someone. Cause you guys have helped me.

dear sir,
i m indian women my sister in law , husband, mother in law , father in law are day by creat problem for money how can take any action , my sister in law live in australia .but all problem created by her .now my husband behave non voilence in this situation, cloting blood in my body ,press my eyes,i fed up this family , my father has retiered and he has heart patient alredy done by pass surgery,sir my husband is very bad ,he has unauthorised child . he is always demanding money ,but i have no any sourse for money what can i do for legal action have you suggest any angio or any women commissino in up state in india.he always threated to me kill you .
regards
gargi

I got a phone call yesterday from a Jeff Austin (Indian Man) 1-585-331-8295 telling me I owed money to ACS and he was going to take legal action againest me. I would be going to court and would be arrested if I didn't pay them 623.00. I would make 3 payments, of 200.00 and the last payment 223.00 from a prepaid credit card plus $10 extra for using this type of card. He had all my information but wanted a new credit card number or new debit card number I said no so thats how we came to the prepaid way. I also had to write an apology letter and I had to fax them to him when I sent every payment. nI asked him if he could send me a written notice of this and he said NO..payup or go to jail. I left message today with ASC to see whats going on because they wouldn't even give me their number. I looked up on internet and came acroos these same letters. I told them I don't trust them to give my info to them and they pretty much said too bad.

teri maa ki choot

I also got a call, very persistant, saying i receved a loan in jan of 09 (not true) and in a hard indian accent this guy said his company is in new york-yeah right!! I spoke to 2 guys because i couldent hardly understand the first and then the second was the same hard accent!!!!! first guys name is michael, second guy is John Ricardo-yeah right!!! this is fraud!!!!  they also tried calling my husband, they knew all my private info including my kids names& my ssn!!!!!  and address!!!! scary! they even knew my bank routing#...the guy insisted that i took the loan out!! i did not! and he said it was for 300!!!! yeah right i wouldent take a loan for only 300! 3000 maybe but NO NOT 300!! he gave me a number of the cash advance usa store (in new york)i supposedly took it out of(1-516-833-3191 this is the cash advance # and a Dominik Miller answered, funny the first guy told me to ask for him! this is wrong and scares me!!!!!! they prob know each other and doing this together...this happen on 12/11/09 noon.....caller id came up 0000000...they did give me their number of 1-347-342-0492 and i did get a hold of them(aci-supposedly) there!!!! anyone resolve this issue at all yet????? I dont want to talk to them ever again!! jerks

Received a call at my work from a man claiming to be Officer John Dobson from ACS telling me that I had defaulted on a payday loan taken out in June 2009.  He spoke with a heavy Indian accent and was extremely arrogant and harrassing when I refused to give him any further information until he provided me with some kind of proof of this alleged loan.  He said he could not provide me with anything until I paid the loan in full or decided to be extradited to California to go to court.  Either way, according to him there was a warrant out for my arrest.  I hung up on him.  He called again, however this time he hung up on me because I started yelling at him saying that if he was a legal officer that he should know what harrassment means and that I was reporting his phone number to the Federal Trade Commission - of which I did do immediately.  I also reported to the FBI and credit reporting agencies since these people had my social security number and other personal information.

Received a message on my cell phone from Chris Crown (I think) from the legal department at Affidavit Conservation Services to tell me that someone whose name I couldn't understand had used my name as a reference when conducting "serious online fraud." He left his number which sounded like 646-870-8666, but I tried it and it says "your call cannot be completed as dialed." The guy spoke in heavily accented English so it was very hard to understand what he said.

Got a call from ACS stating that 15 days ago they received my case number a man by the name of Victor Kratz was writing an affidavit against me from a payday loan I took out that I am still paying on.  He had my social and my family and friends names and even the place I worked at the time.  He emailed me all the documents that I need to sign so I can start paying on it and I emailed him back asking what payday loan comapny it was with and he never got back to me.  Don't listen to them they are just threating you!!!  All a payday loan company can do if you have one out is send you to collections and make it appear on your credit.

Received a call from 1-714-333-2942, stating they were about to take legal action against me for a Pay Day Loan taken out in Oct.08, advised caller that I have no record of ever requesting a pay day loan from the company in reference,cash advance. Asked caller if they could send me some documentation showing where I signed for this loan, caller would not provide any paperwork and threatened to contact my employer and take legal action against me. I stated, do what you feel is best, refusing to pay for something from someone that will not provide their company information or backup on this mystery loan!

Received call AT WORK from this number from a guy named David John, stating that he was about to take legal action against me for a loan I haven't paid off from a Cash Network loan taken back in Feb, 09; He couldn't provide me with exact date! I called my lawyer and when he called David John back he hanged up on him after he started talking in a foreign language ... it sounded indian ... BEAWARE!!! don't give him  any info to them ... report them asap !

Received several harassing calls, at my job, from a Bill Wilson from ACS, #714-333-2929, (only the numbers shows as 000-000-0000 on my caller id)telling me that they are submitting my name and social for court.  And if I do not call them back, the God be with me or God help me.  This is a THREAT!!  Who do I call or write about this?

I receive harassing phone calls from a outfit called ACS that claim that a lawsuit is being filed against me for payday loan fraud. I explained that I don't recall making a payday loan, let along a fraudulent one. The guy by the name of Ian Conner continued to call. He has even managed to secure the phone numbers of family/friends and has harassed them with false allegations about me that I would like stopped! Is there any way to prosecute this kind of abuse?

Received call from this number advising that they have a lawsuit in my name for criminal activities.  Wanted to review affidavit an asked what was my intentions. I tolded him I didn't know what this was about. They refused to listen to m Informed him I had proof this was incorrect and wanted me to answer questions and he verfied all of my information.  he didn't want to listen and he continued making harrassing commemnts. saying he would see me in court. gave me another fauls #.

Received call from this number advising that they have a lawsuit in my name for criminal activities.  Wanted to review affidavit an asked what was my intentions. I tolded him I didn' They refused to listen to confirmation and t know what he was talking about. wanted me to answer questions and he verfied all of my information. I told him I had proof that was incorrect he didn't want to listen and he continued making harrassing. saying he would see me in court. gave me another fauls #.

Received call from this number advising that they have a lawsuit in my name for criminal activities.   Wanted to review affidavit an asked what was my intent.  They were advised that this matter was resolved several months ago.  They refused to listen to confirmation and has continued making harrassing calls at my home and work telephone.

The company he claims to work for i got it directly from his mouth Federal Law Department American Law enforcement. Called him at 559-399-0358

this person called me from this number and said that i had a payday loan through them and i dont even have a bank account with inb bank since march and i dont remember getting a loan through them his name is mr. connor

This scam has been going on for well over a year, now and has been recognized as such by the BBB:

Chicago, IL ? August 5, 2009 ? The Better Business Bureau is issuing an alert about phony debt collectors that are calling consumers nationwide and claiming that they have defaulted on a payday loan and will be arrested if they don?t pay immediately. Claiming to be lawyers, the scammers say they are with the ?Financial Accountability Association? or the ?Federal Legislation of Unsecured Loans? and are equipped with a disconcerting amount of personal information about their potential victims.

?Because the scammers have so much information about potential victims, the BBB is concerned that this may be the result of a data breach,? said Steve J. Bernas, president & CEO of the Better Business Bureau serving Chicago and Northern Illinois. ?Thousands of people may have had their personal information compromised, and given the scammers? tactics, it appears that those who have previously used payday loan services could be particularly at risk.?

According to reports received by the BBB and posted online, the scammers accuse the victim of defaulting on a payday loan and claim they are being sued. The phony debt collector threatens that, if the victim doesn?t pay as much as $1,000 immediately via wire or by providing bank account or credit card numbers, he or she will be arrested and extradited to California within the hour to stand trial. The scammers often may have the victim?s Social Security, old bank account numbers or driver?s license numbers as well as home addresses, employer information and even the names of personal friends and professional references.

The BBB offers the following advice to consumers if they receive a suspicious telephone call about an outstanding debt:
* Ask the debt collector to provide official documentation in writing 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.
* Review recent copies of your credit reports to ensure that the alleged debt is not affecting your credit. Consumers can do this for free once every 12 months, and can find more information here: http://www.ftc.gov/freereports
* Under the Federal Trade Commission's Fair Debt Collection Practices Act, debt collectors may not harass, oppress, or abuse any person while attempting to collect a debt.
* A debtor may be contacted between 8 a.m. and 9 p.m. only and can be contacted at work unless instructed not to.
* File a complaint with the FTC online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws.
* File a complaint with BBB online at www.bbb.org if you believe a debt collector is trying to scam you.

http://www.thinkglink.com/article/2009/08/06/ ... eading-says-bbb

http://800notes.com/Phone.aspx/1-214-618-5897

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) 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, lawyers, officers of the court or bankers, or if they threatened you with arrest, be sure to include that information in your report.

2) File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

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) The caller placed the call under a Texas area code. Even though the caller ID was probably spoofed or they're using VoIP technology to hide the fact that they're really calling from overseas, you should also file a complaint with the Texas Attorney General at http://www.oag.state.tx.us/consumer/complain.shtml

5) File a complaint your state's attorney general, the contact information for whom is at www.naag.org

6) 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.

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

...and, many, MANY more.

I received a call from craig miller and he said I had a lawsuit against me. he was rude and harrassing me. I told him I didn't know what he was talking about. He said he sent me 18 emails. that he would see me in court. If I lost I will be paying 6000.00 Ihe would not listen to me he said i had a check that was sent back for nsf on 09 18 08. He verfied all of my information. I told him I never had a loan through that company. he continued to harrass me gave me another # that was fauls,. He said he would see me in court. I told him I had proof that he was incorrect he said to make sure it was real and he would see me in court

This a** calls me to say that my old friend going to Iraq next month has a lawsuit filed against him. He was saying that I too could get in trouble for being on his contact list. All I can say is bring it Craig Miller because my lawyer wants to speak with you and I will find out what company you work for. Don't mess with people that you don't know buddy because the internet has everything that I need to know about you.

Caller said I have a lawsuit in my name.