This towelhead keeps calling...it's a scam....just not sure this jackbut from calling back

I too have been recieving phone calls from this person with a very thick Indian accent, he cannot understand half of what I say to him. I have asked repeatedly that he stop calling and he becomes very belligerant and asks to speak with my manager. He fails to understand that I AM the manager, there is no one else he can speak with. To him I am the secretary and he insists upon me giving him a contact number for my employee, which I cannot and will not do. The number re-routes each day. The number he called from last week was the 714-439-3476 number. The number he called from today is not listed on the list above. It is 254-235-6118. He did answer when I returned the call to inquire about the business and he claimed his name was James and he was an attorney in Texas. His communication with me today became very vulgar as he expressed pervese comments and told me to S*** His D***! This is most obviously harrassment and he will be reported!

I just recieve a message from a "Michael Brown" from 714-439-3476 telling me that legal action would be taked if I did not call them back. I did call them back and they told me that a payday loan place hired them. He was very hard to understand and was very rude to me. In fact when I told him I never heard of the company that they were claiming had hired them nor did I have a loan out and I was looking for more information he told me "Well if you would shut your F-ing mouth." and then hung up the phone on me. This needs to be stopped. I have read many post that people say that nothing can really be done...my question is why. No one should have to deal with that...even if it is a scam and BS.

I just recieve a message from a "Michael Brown" telling me that legal action would be taked if I did not call them back. I did call them back and they told me that a payday loan place hired them. He was very hard to understand and was very rude to me. In fact when I told him I never heard of the company that they were claiming had hired them and was looking for more information he told me "Well if you would shut your F-ing mouth." and then hung up the phone on me. This needs to be stopped. I have read many post that people say that nothing can really be done...my question is why. No one should have to deal with that...even if it is a scam and BS.

Thank you all for information. I am HR person and this people are calling us for about three weeks now telling that one of our employees committed fraud. They are nasty on the phone and I reported them to all places possible. I hope one day they will get them. Our guy is not going to lose his job because of them.

This guy has been calling my house while im at work. and i never had the chance to tell him off. Well today he called me 17 times in a row after I done cussed his f****ng bi*** a** out. He then calls me and leaves me a message and says. This message is intended for you Matthew H ******, you dumb mother f****r. I will keep calling you, you dumb a** piece of s***, i did nothing but laugh because i called his bluff and got every word in and hung up on the b*****d.

This man keeps  calling my phone, my job and my family saying that I owe him for a payday loan which I know is a fraud. When I tried to get more company information, he just over talked me and said that he will issue a warrant for my arrest to be picked up on my job. He then instructed me to go to 7-11 located at 2525 Hull Street, Rich, VA and get a $300 Money Pack. Once I got the money pack, he instructed me to call him back, he'll transfer me to the accounting dept so I can get the pay to information of where to send the money. He then asked me how long will it take for me to get to 7-11 so he can be looking for my call. I called my mom and she when on FTC.gov and filed a report because she knew about this type of fraudulent scam and I made the report. My question is, if the authorities wont act to try and catch these people because of lack of manpower as they say - then I guess this type of fraud will keep happening. Many people will lose their jobs when scammers start calling their jobs to report this fraudulent scam as a scare tactic. The gov needs to get off their butts and assist the tax payers because doing something after losing my job which takes care of my children is a little bit too late don't you agree? I shouldn't have to pay an attorney for criminals to get away with this sort of stuff.

I keep receiving calls from the same man for weeks a few times a day and like the other people who have gone through this he has a heavy indian accent. He has been calling and I have been hanging up saying i'm not interested in any loan. He calls me back and curses me out. I even called him back to speak to a supervisor to make a complaint and he hung up. He called my house 2 more times that day and did not leave a message. He called my fiance at work and threatened him with fraud saying he gave us a $500 loan and we need to pay it back and then said  a warrant for his arrest would be issued. We never recieved any money from anyone. However I did like others apply for a payday loan, so that is obviously how he got our information.  I immediately knew it was the same man who had called me just an hour before at our house cursing me out again. I did a reverse lookup and got nothing so I googled the number and also like others got this site. All i can say is that it is obvious that this is a scam and do not give this man any information or authority to take money. I will never apply for a loan online again, Your information is never safe, and you end up with these scam artists harrassing you 10 times a day. I've learned my lesson. Oh I also called the number back and told him I contacted my local police department and an attorney and that I know its a scam and to stop harrasing us, and his exact words were liar liar liar. I said yes sure your a professional law firm talking to people the way you do added a few choice words told him to learn english and hung up he has not called back since!!! I have contacted my bank as well so if anything happens with my account they will know its fraud!!

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

I received a phone from this number saying that he is shawn marks and telling me that my ss number has a legal case against me telling me that I would get arrest if I do not pay them and lose my job what should I do

This man called me 13 times back to back on my job.  I have taken out a payday loan but repaid it in a timely manner.  I almost got fired yesterday because of these phone calls.  Everytime I would hang up on him, he would call right back.  He yelled and wouldn't let me get a word in.  I finally cursed him out and took the phone off the hook.  I am at work now, hoping he is gonna call before my clients start coming in.  I was threatened with jail, the police where on their way, I need to get my lawyer to contact them, an investigator would be at my job today, etc.  Every phone call, was a different story.  It didn't take long to realize this was b.s. The fact that I couldn't understand 90% of what he was saying and his name was suppose to be "Frank Morgan" was a dead give away!

I have an old number that I don't use, and recently checked its voicemail. I have 3 messages fromt his number, a guy with a heavy Indian accent said I need to get a lawyer and to call him back. I thought it was wierd because I left my new number on the voicemail, so why isn't he calling it? He said he was from a law firm and there was a lawsuit against me and if I didn't call, good luck to me. I ignored it, and finally today he called my new number. It was the same guy named Shawn with a regular last name. I could tell he was reading from a card he was spacing out his talking. He knew where I worked, and when I told him I would not verify my social on the phone he got snooty and said it was a courtesy call about a lawsuit. He then got mad and said "well I was going to send you the papers but not I will just send them to your payroll office".  When I asked him what it was about and who from he hung up. He was testy. I knew it was fake because I can't think of any reason anyone would sue me, but I also know that if it were real I would be contacted probably by certified mail about a lawsuit, not on the phone giving out my personal info. And I also know that for your wages to be garnished they can't just call your payroll office, it has to be through legal papers and you would know about it.  Also I know a real law firm doesn't just have one employee, because when I called the number back later the same guy answered! I did a reverse lookup and it came up empty until I just googled the number and got this website. Well I can't change my number, but I happen to be in the process of changing banks anyway, so that makes me feel better, oh and BTW yes I did apply for a loan online. The first time I went with just one company and it was fine, but the second time I did it I was worried because when I applied to a different company or so I thought, it turned out they said they will shop around and find the best deal. I didn't want that, I knew it was trouble because I didn't want to shop around. Well it was too late, and look what happened! First I got about a thousand junk emails from different companies, which was ok but this scares me. I am not worried about someone trying to steal my credit, it is terrible so good luck to them, but I worry about them taking money out of my account so I will call my bank tomorrow.

these people ran into the right one... they claimed that i was going to jail for a payday loan and i knew it was a lie because i have never takin one... my uncle is a detective and as soon as we did some investigation it was surely some type of fraud they wanted me to give them 300 dollars to stop legal action and we all know if u have done the things that they say u have u would have already been in jail... I have not changed my number yet because i enjoy pissing them off, it seems like they talk down to women maybe because of there culture but i have a trick for them.... they harass me so i have began to harass them... i have contacted everyone i need to and now im just playing with them... they should get a real job and stop with the scams because if they run into a 1000 me's they will be out of money and fast

I have go a couple of calls from this number 714-439-3476, At first it did scare the crap out of me with what this man was saying, I was being charged with internet fraud and grand theft so on so forth that i needed to pay $300 to them to stop this. it was a long conversation. I told him I could pay half now and the other next week. He then wanted me to go to our local Wilco store to send it through Wertern Union. I said ok. I then started calling the places I do have accounts and all are up to date and in good standing. I then called back and tried to get what was the Co saying I owe this and they would not tell me or give me any contact info. then he hung up on me, I the called my local law enforcment and my attorny and told them they both agreed it is a scam. So I tryed to call back about 10 to 15 time with no answer, then they called my cell wanted to know why I was harasing them, I stated you called me and hung up. Im just trying to find out what is going on. so we talk a few more min with no infomation comming forward I kept saying if I owe somthing Ill pay it but Im not sending u $ just on ur word, I told the man who I had talked to he then asked why I was investigating him, I told him you called me. He then say what is $300 if I go to court I would lose and owe $900. I said well we will c and just hung up. I didnt get a another call from him till today he stated that I was suppose to call him and send him $ and I said I have talked with my lawer and this is a scam do not call me ever again and he said well Ill just call the police station and said somthing I couldnt understand and I said well good luck with that and hung up.

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

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.

PS--The FBI sent out a Press Release on this scam just last week:

Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

? filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim?s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims? relatives, friends, and employers.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

http://800notes.com/Phone.aspx/1-951-489-0227

I received a phone call from this number from a guy named James Parker. He left me a very harassing message. I know it's a scam. So I didn't even bother calling him back. I love the fact that he has a very american name with a very thick indian accent. Maybe people like that should get a real job and stop trying to scam people