they called me.

About two months ago or so, I received 10 phone calls in a span of nine minutes and I let them all roll over to voicemail and they never left one.  I got to work and I had a message from the same number that was calling my cell. I call them and they tell me that they're from a law firm and representing a company suing me for $4500 on an original debt of $300 and that I'd have the paperwork for the lawsuit in 5 days via mail.  I denied any knowledge hen I pressed further, they couldn't tell me the name of the original lender, they couldn't tell me when I allegedly took out this loan.  They wouldn't give me any other information.  After several negative insinuations against me, they disconnected the call after I again demanded the same information and started swearing at them.  They advised me to contact my attorney.  I did contact my prepaid legal services in anticipation of this notice of suit from this company.

I called them back after a week, asking for my paperwork and advised them that they had the burden of evidence and that they did need to furnish it to me and my attorney, the b*****d said no I don't.  I again denied their claim that this was my debt and told them I'd see them in court.  He said something particularly snarky and hung up on me, again.

I also did some research and the phone number that they used (was actually a 704 area code)goes to a wireless number and I can't find any information on American Debt Collections out of Anaheim, CA.  Fast forward to this weekend I was watching the news and a story came on about predatory debt collecting and my mind drifted back those phone calls and I changed a number and lo and behold, this stuff popped up.  I'm going to have to make a few reports in the morning.  Good luck and for those who are just now getting these phone calls, don't worry.

I have been getting the same calls.  Yesterday someone had the nerve to call my job and leave a message about not paying a loan and that I should get a lawyer.  When I called him back he said it was a payday loan that I did not pay but could not give details.  He was calling from 209-890-4539 and referred me to Jason at 714-855-2593.
Jason has changed his story several times about how much I owe and when money was supposdly deposited into my account.  I am so glad for your comments because I do take out payday loans but always keep track and this just did not add up.

i was at work when i got a message from this guy and in the voice mail he left me he said he wished me good luck...and when i called back he tried to tell me i took out a payday loan which i never got money for and he ended up hanging up on me and then my manager called pretending he was my lawyer and the guy told us to hold and ended up hanging up on us again

So I called them back and he wouldn't tell me how much the loan was, nor send me any papers! But I was told to be in California court Monday morning (I am in TX) and they've sent E-MAILS. LOL, what? That's not valid debt proof. So he told me to take it up with the Texas local police and hung up.. I call back and he says this WORD FOR WORD, no joke. "F***  you bloody bi***". lmao. what? lol.

Every time I call he has a new name.

http://www.cbsnews.com/stories/2009/08/04/bus ... in5211956.shtml

http://www.dfi.wa.gov/consumers/alerts/first-cash-international.htm

** I posted a response on pg 2 here, be sure to read it -- about taking out PDL online.

If you received this phone call you most likely attempted to get a loan of sorts online & it might have been through a website that sends out your information to tons and tons of lenders, both legit and non-legit. That's how they have your information.

Of course they will have paper documentation of this "loan" and can send it to you by postal mail --- NOT email. Your bank will also be able to trace any deposits into your account and match it up with them. DO NOT GIVE THEM YOUR PERSONAL INFO OR VERIFY ANY INFO. Tell them via phone that all communications must be done through postal mail. And any company that refuses money orders are fake. Never wire money or give your CC/DC#.

We went through this with online pay day loans and my mum got her identity stolen. One "lender" took $300.00 from her bank, one place called threatening her, now this place. And it's all traced back to when she posted her info online.

So to be safe notify all three 3 credit agencies, Chex Systems, your bank, etc...

And do not, for god's sake, apply for anything online again!

** I do find it funny they ask that your lawyer call them, taking an awfully big risk --I wonder what they would do if a lawyer did contact them? LMAO

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

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


Fake Debt Collectors ? Terrorizing Consumers

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


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

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

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

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

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

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

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

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

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

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

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

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

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

http://800notes.com/Phone.aspx/1-925-262-1327
http://800notes.com/Phone.aspx/1-678-954-6346
http://800notes.com/Phone.aspx/1-888-341-4004
http://800notes.com/Phone.aspx/1-856-831-0640
http://800notes.com/Phone.aspx/1-949-743-1140
http://800notes.com/Phone.aspx/1-410-505-8128
http://800notes.com/Phone.aspx/1-917-464-2534
http://800notes.com/Phone.aspx/1-210-858-6602
http://800notes.com/Phone.aspx/1-888-775-2121
http://800notes.com/Phone.aspx/1-949-743-1156
http://800notes.com/Phone.aspx/1-214-245-1402
http://800notes.com/Phone.aspx/1-214-245-0922
http://800notes.com/Phone.aspx/1-214-723-5572
http://800notes.com/Phone.aspx/1-904-425-2863
http://800notes.com/Phone.aspx/1-718-831-7157
http://800notes.com/Phone.aspx/1-904-425-2857
http://800notes.com/Phone.aspx/1-858-244-0444
http://800notes.com/Phone.aspx/1-954-678-9724
http://800notes.com/Phone.aspx/1-610-571-3252
http://800notes.com/Phone.aspx/1-310-909-8245
http://800notes.com/Phone.aspx/1-310-499-9983
http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer placing false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer placing false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer placing false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer placing false postings as Karen Miller
http://800notes.com/Phone.aspx/1-561-300-8018   Scammer placing false postings as Marco Polo (real original)
http://800notes.com/Phone.aspx/1-877-226-7488   Scammer placing false postings as SAM, David S
http://800notes.com/Phone.aspx/1-888-706-7463   Scammer placing false postings as George
http://800notes.com/Phone.aspx/1-209-349-7382   Scammer placing false postings as Towanda Robinson, Shannon Walsh, Jack Dawson and Cynthia
http://800notes.com/Phone.aspx/1-760-514-0132   scammer placing false postings as Suzy01, Johanna Hall, Cindie McMellon, Michael Dublin, Mark Williams, Carol and Rio  



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

This phone is supported by Level 3 Communications.  I suggest calling their Sr. VP, Jeff Battcher @ 720 888 3288 and report the problem.  Let's see how he likes receiving nuisance calls...

It is supposedly a Law Firm.  I got the exact same call today.  I was told by a Lawyer to contact www.ic3.gov and make a complaint.  This guy told me he was going to suspend my DL.

There is not much you can do. I called my local police where they than refered me to ic3.gov website. When this loser calls back again threaten him right back that you filed a report with homeland security. I bet he wont call back no more! and whatever you do dont confirm you ssn or any other personal info to him!

Omg I freaked out when the guy who went by the name Daniel left a message stating He is calling on behalf of first cah international andI have 3 pending charges of fraud and identity theft. He said I need to get a lawyer I have to be in court as I owe $563.25. I need to pay it immediatly he had my Ssn, my home address work number and cell. I did take a payday loan a couple months ago but it was of off. I already filled out a complaint at the ic3.gov is there anything else I can do????? As they ate still calling me

sorry it's www.ic3.gov

go to www.ics.gov to file a report. You will receive a case number. This guy needs to be taken down.

Received a phone call today from jeffery smith from us national bank.  Call was regarding a case against me for an unpaid loan.  Call came from # 714 855 2593.   Funny thing a jeffery smith called me last week from the federal legislation of unsecured loans with a case pending against me. Phone # for federal legislation of unsecured loans 213 234 7592.  Last week this jeffery smith told me my local police dept. would be out to supoena me the next day (never happened)  I was also informed that papers would be mailed to my home within three days (never came).  I told the jeffery smith that called me today that i had already been contacted last week by jeffery smith from federal legislation of unsecured loans and filed a police report.  He told me that the jeffery smith that called last week was part of a scam.   I told him things do not add up that i would receive two phone calls from jeffery smith from two different companies within a weeks time.  I told him i would be adding his company and phone # to police report.  I also told him i googled 714 855 2593 and told him it was a suspicious number with many comments posted-he acted surprised and said my number i do not know of any comments.  said he would mail me my information and i could call back for help.  This jeffery smith also had a heavy foreign accent-just like the other jeffery smith-cannot keep stories straight.  If you google us national bank there is quite a bit of information listed on ripoff report.

Check Rip Off Reports.com and search for American Credit Services......there is a note to call Homeland Security if you are contacted by these people.

Let's all report this to the Attorney General of California. That is where the calls are coming from. I confirmed this with the guy named Mark with the HEAVY accent.

The name I was told is American Credit Services.........for a PDL from 1st Cash International...I've never heard of them.

There is not much any of us can do about it but protect ourself and not confirm any personal information to him. I reported this to  my bank as well since this guy had my bank acct info.
WHen I asked him who his name was and his company he clearly just said he was an attorney. When I demanded answers from him he said well have fun dealing with this in court and hung up on me. I wouldn't even bother calling him back. He clearly is a scam artist.

I specifically asked him and he hung up on me saying, "You can just deal with it in court."  Any attemot to reach him after that has been unsuccessful.

Same thing to me.  He left me a message and stated that if I didnt call him back, "He feels sorry for what I will have to go through."I called back and His VM says its full. I kept calling and finally reached him. (He says his name is "Mark")  I asked him the name of the company taht he worked for and the company of the supposed original debt and he hung up on me.  I called nearly 30 times over the next few hours and always got the VM is full message.  What can I do about this?

Did anyone catch the name of the company?

Katie. The EXACT same thing jsut happened to me too! He had all my info.  call your bank and let them know what is going on I did. Don't confirm when they ask you if this is your correct personal info. These ppl are a total scam!

Someone from this same number called my cell phone and when I didn't answer they called my work phone- then they tried my cell again so I answered- some guy came on the phone telling me that I have to appear in court because I did not pay back some pay day loan- I mean I got really scared because they had all my information- I mean my bank account, social security, address etc.. The thing is when I tried to question him he became irritated and hung up the phone on me.

Me too! SOme guy said they are going to take me to court for some money they wired in my acct. which never happened! what did they say to you?