Got a call from this guy at work -- was foreign sounding, and said that he was from the "Department of Law and Investigation" and that I had a legal case filed against me.  I couldn't understand the first name, but the last name he gave was "Walter".  Very concerning that he has my work number.

Same here. For the better part of the last hour I've been so busy warning my bank,filing complaints with CashNet,the FTC and anybody I can think of who might need to know about this. I'm not calling these hucksters;they can just sit and wait til hell freezes over. I wouldn't be so PO'd about this if they hadn't ended the call with that mock threat. I hope they find these jerks and shut them down.

Spoke to my employer , said for me to call a return number of 760-566-6217. Concerning a financial fruad case. Caller identified himself as Officer Nell Smith and spoke with a strong mid-eastern or indian accent. Very poor English.

They have called a number of times for the past 2 weeks, it is unfortunate but they do have your information SS#, Checking account # and so on, the first step I made was to contact the people I made a loan through, they have it on file and told me it was a scam, to contact your 3 credit dept.  Next step I made is call your bank, I changed my bank just to be on the safe side, really the police can't do anything, I did explain to my employer what had taken place and they now are screening the calls for the people that call if one goes through I speak spanish and they eventually hang up, or I just put them on hold & waste their time.  Unfortunately some people have felt for this and actually paid $ to these people.
California

They have tried multiple times to reach a coworker at my work place. Since they are so unreasonable as others have referenced, I just started putting them on hold.....it is amazing how long they will wait, and when they call back....I just put them on hold again. If they want to waste my time....I will waste theirs too...

i received several calls from this number too. the police dept. came out and called the guy.there is no such law enforcement dept. these ppl speak of...u would figure that when you have cussed them out enough they would stop calling but they dont..obviously do not give them any money!!!!!!!!!!!!!!!!!! i was not aware that this was such a problem..didnt even think to Google the number but the officer that came out did it and now i have read what everyone has written and i dont feel so alone..it really had me worked up and upset hearing someone tell me they are coming to my house tomorrow to rape me etc.....

Kudos to "Sam" for giving the most intelligent and informative posts of 2010 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

I am going through this same issue. The caller does not work for CashNet USA and do not be alarmed because it is only a scam and they cannot prosecute you in any way. However since this is a FRAUD I would suggest that you write down everything from you conversation with these individuals and call the compliance dept. at CashNet USA @ 866-254-3581 and file a formal complaint. They have an ongoing investigation into this company. This will not stop the calls but it will aid their investigation and they will advise you of other steps to help protect your personal information. They also advised me to contact the 3 credit bureaus and place a fraud alert on my SS#. In addition to contacting your local police and DA, I would also suggest that since they know where you bank and could possibly have your personal banking info that you contact your local bank and see what they suggest you do to keep your banking info safe. I would also suggest you go to the following website the ssa website and file a fraud complaint against your SS#. You can also file formal complaints with the FCC and FTC. I hope this helps. Do everything you can to protect your info. This is all free and only costs you a little time on the phone or on a website.

I recieved a call at work from this guy today he said he was an officer from the Department of Law and investigation/cashnet marketing. He said that i owed 349 and his name was officer Johnson and he had an accent but his name was English.  He also said he had a badge number and it was IP9695.  I am worried because this guy had my social security number and my bank name. He said that I needed to get and attorney and have my attorney call him tomorrow. I would like to know who I can contact to stop these threatening calls.  This is the second time this has happened to me but this time they are callling from a different number.  THe first time was a month ago and the number was 209 439 7013 and they said the same things.  I had to have my attorney call them and if I didn't then the sherriff would be out to my work or home to serve papers and arrest me.  I have contacted my local police department and will be reporting this to out local district attorney.

Well after this guy Dean Smith called me today to try to scam me I figured I would have a little fun with this guy. I called them back from several different numbers and gave him the run around. I claimed to be Pizza Hut. I also called like I pretended his business was Toys R' Us asking if I could buy some toys for my kids and he cusses me out everytime............hahahahahahahahahahahaha its so fun to mess with them. But later today I called him and actually had a good conversation. He said they had scammed about 10,000 ppl today and that one of the transactions was for 7000.     People please dont fall for this crap.

I am getting these same threatning calls from a man with an Indian accent stating his name is Officer Neil Smith with the "Department of Law and Investigation". My calls are the same as everyone elses in regards to a case is filed against my name and if I do not respond then he only wishes me good luck. How do we stop these calls or who do we need to speak with to help us?

I've been receiving the same phone calls. He said I took out a payday loan and he had an affadavit. I called my local sheriff's department and there is not an outstanding warrant in my name. I never took out a loan, however my ID was stolen back in August and I've had to close bank accounts and dispute 1000's in charges. I can only assume this how he got my information. If anyone has any idea how to stop this guy, please let me know.

Very rude sounding Indian man who calls and pretends to be an "officer" though he does not say an officer for where or for who or what of. I have no clue who this joker is but I went ahead and reported it to the FBI's tip line...who knows maybe he is financing a terror group with his scam.

ok so i got one of these random calls the past 2 days. i asked to speak to sumone wjom spoke clear english and he told me he was. the man has an accent of a man from india or latino. hes threating me with sum bs about a loan from cashnet that i have gotten. thats when he threatned to arrest me and other bs. who is this person and how are they getting my number?????

He called saying the same thing talking like i owe a loan of cashnet and im like ive never made a call there telling me i need a attrony and i have a court date and all this extra i thought it was real... even though ive never took out a loan.. I called back and this guy was like dont call bacc unless u have a attroney i said what he gave me a case number in which i looked up did exsist hummmmm

Have been receiving calls from this number and similar numbers for almost a week now.  Leaves ridiculous messages and threats.  It's kind of humorous but annoying as he is also contacting my office.  Speaks of a 'legal matter' and that he is "an officer of the law and investigation".  If you call back with a blocked number, he will tell you nothing but threatens to sue you.  Insane.

Just got a call saying he was an officer and was going to arrest me if i didnt call back...freaky stuff.

I also got a harassing call from this number.  He told me that I had taken out a $300 loan in September, which i haven't, and that I owe $1300, but I could settle today for $750.  He has been constantly harassing me.  When I told him that I would have my lawyer contact him, he blocked the number and called from a private number and said "hateful bi***, p****off."  This is nothing but a scam and everyone lookout.

Goes by the name of Bruce Crawford and Frank Jordan (same person trying to say he is someone else).  Supposedly from State County Code of New York.  He calls my work repeatedly, when I asked him to stop he said "I am your nightmare, I will call 90 times a day.  Record my calls so you can listen to them before bed and have nightmares".  I want to get rid of this guy since I know it's a scam (says I owe $200 from an unpaid loan in 2009... I never got a loan in 2008 or 2009).