724-512-2111
PA, US
Cici
Cici
2011-12-22 18:46:33
Debt Collector
I want these people to leave me alone.  Stop calling me at all times during the day and evening, on my cell phone and work phone.  They even had the nerve to call my cell phone and my work phone number showed up on my caller ID!
m &m
m &m
2011-12-14 22:20:19
Debt Collector
Just got a call from Mr parker with threats India accent how can I stop the calls saved the voicemail
Natalie
Natalie
2011-12-14 17:13:54
Unknown
Received a call from this number stating that I am currently involved in a lawsuit but couldn't completely understand the call.
Sad but True
Sad but True
2011-12-14 16:49:36
Unknown
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
V
V
2011-12-14 16:48:10
Debt Collector
I have just a received a call from this people regarding a payday loan that I owe...saying that I owe money to them and they had a accent of Indian saying that they will sue me for $1000 dollars and that their name is james anderson and that his name is mike walters....another woman spoke to me prior to this stating that her name was michelle davis....they started ranting and raving that I owe them money and talking in their indian dialect having michelle ask her partner about what to do...
Stupid Crap
Stupid Crap
2011-12-14 01:25:58
Unknown
I keep getting these calls too and today  they told my boyfriend that he used to date me for 6 months and he gave me $5000 then I left him and I used to live in New York....I have never lived outside of my state. Also he told me that he was going to send his mexicans down here and shoot me. I have been terrifed all day and so sick to my stomach. They have called my work several times and when they were hung up on they called back.
Vicki Grobels
Vicki Grobels
2011-12-12 22:47:30
Debt Collector
i have gotten several harassing phone calls from this number stating that i owe a pay day loan and that they are taking money out of my bank account
jensfolly
jensfolly
2011-12-10 20:11:44
Telemarketer
I have been getting this call on my cell phone, I have MR NUMBER programmed now to pick it up and hang it up. it is a scam. They call insessantly.
ray
ray
2011-12-09 20:34:54
Unknown
stop this idiot
Joni Miner
Joni Miner
2011-12-08 23:40:46
Unknown
This guy who says his name is Kenneth Foster keeps telling me that I owe money as well.  I can't understand him with his broken English.  He keeps calling me and harrassing me and is very abusive on the phone. He really gets bad when I ask questions or ask him to send me proof via mail. He also told me that the cops would be at my house within 20 minutes. They call from different numbers. He even called me at work.
tiredofit27
tiredofit27
2011-12-08 15:00:48
Debt Collector
Officer nickie parker from Pennsylvannia called from cfs regarding outstanding pay day loans for my husband and when I continued to question him and ask him what social security number he had on file he continued to call me stupid and other choice words.. I have had several calls from people with Indian accents call for my husband but they have my social on file..I am sick of this! He really got upset when I asked him to give me information about his location. Can't believe these people......
nubianone87
nubianone87
2011-12-07 23:17:14
Unknown
they harrass me all day  every day...threatening me to return their call asap.or sometimes they just call and hang up.  this is annoying.
redhead
redhead
2011-12-07 19:09:23
Debt Collector
They have called my cell phone...Thank God I keep that turned off, but stuttering about how I am going to jail unless I call back to get my financial maatter straightened out.  I tried calling and asked for Andrew (just to hear what I would be told) funny there is no Andrew workking there.
cowgirl
cowgirl
2011-12-07 17:32:44
Unknown
They call me 5 to 7 times a day, threaten the police are coming to my house and collect the money, They will not give the name of the company or who i supposely borrowed the money from, they are insulting and you can pull the wool over my eyes, they are scam wanting $$ dont give it to them call the FTC and report them.
Spiciemama
Spiciemama
2011-12-07 12:23:30
Debt Collector
I get calls on my cell phone 5 times a day and my job voice mail saying: "MY NAME IS KEVIN FROM AMERICAN LEGAL AND THERE IS A LEGAL MATTER PENDING IN YOUR NAME!  IT IS IN YOUR BEST INTEREST TO RESOLVE THIS MATTER IF NOT THERE WILL BE SERIOUS CONSEQUENCES!  PLEASE CALL 724-512-2111 TODAY!"  THIS VOICE AND ALL OTHERS ARE IN A VERY HEAVY INDIAN ACCENT!  THEY CALL AND HANG UP VARIOUS TIMES!
Sarah M
Sarah M
2011-11-30 23:11:16
Debt Collector
They called me twice today. The first time I didn't answer but did get a Vmail. The 2nd time I did answer & told them if they were told call me again. I would report them to the Better Business Bureau. The lady said "Oh God". Asked me not to report them. To late I already have. If you keep getting phone calls like these. Just threaten to report them. It worked for me.
KQLRG
KQLRG
2011-11-30 19:10:11
Debt Collector
I also received a call from 724-512-2111 and was actually able to get somepone to fax me an "agreement" to pay form and the document i received from ILAD did not list the name of an actual company that i "owed" money to so i called back and requested the name of the company and after insisting that i needed the name of the company so i can contact my bank they hung up on me.
Charles Cantrell
Charles Cantrell
2011-11-30 16:39:12
Unknown
I recieved a call from this number, the lady claiming to be the lead investigating officer with the US Governorment. Claiming that charges had been filed against me, because my credit score was so low. That it would work out in there benafit and I could face years of jail time because of it. I am on a DO NOT CALL LIST and yet I keep getting these calls. She could barley be understood as it was.
katherine puckett
katherine puckett
2011-11-29 21:53:58
Debt Collector
micky parker and patrick gibson called from this number and wanted to speak with someone in my office.  I told them she was unavailable. and they started calling over and over, saying obscene things; screaming, etc.  they said they were in pennsylvania.  They sounded indian, but when i asked them, they said they weren't.  what recourse do i have?
Ethel Rowell
Ethel Rowell
2011-11-29 20:59:16
Unknown
A person called from this number and cursed out and employee that works here for no reason. He continued calling being very rude and using very bad language.
kemo
kemo
2011-11-28 21:19:16
Debt Collector
Does Anyone Know how to make them stop harassing us?  It is getting to the point that my receptionist is about to quit her job.
kemo
kemo
2011-11-28 21:18:02
Unknown
We are receiving these calls from at our company for someone who works here. They are not only threatening but swearing and extremely abusive.  I'm in CT so it seem all over.  And I'm not a bigot but they are from India and talk so fast, do Not listen, and threaten to keep calling even when told the person isn't in the office.
Ana Singh
Ana Singh
2011-11-18 21:27:28
Debt Collector
I have been receiving harrassing calls from this number. They say I owe money and I will be sorry if I don't pay and to contact a lawyer. They have called me on my cell and now I am receiving calls at work. I do not know what they are calling from or for.
miss85750
miss85750
2011-11-17 19:27:34
Debt Collector
I am getting phone calls from this company as well.  How do I get them to stop?
ladydoc
ladydoc
2011-11-16 21:26:22
Debt Collector
They have called for another person for whom I get a lot of collection calls for. I have had this phone for 2 years now. They said they were a collection company. Told them not to call here again and he said they would put my number on their no call list.  IF they call again I will remind them that I am on the National Do Not calls list and I will turn them in directly!!!!  Tired of these calls for her and these other telemarketing calls I get non stop!!! Thanks Leslie for giving the other number out.  I will now know who it is when that number shows up!
Angela Daniels
Angela Daniels
2011-11-16 19:35:05
Unknown
I am receiving calls from this number.  They are nasty and call me names and swear.  They have called about 12-15 times a day for the past week........please do something to stop this stupidity.  Thank you!.
n/a
n/a
2011-11-16 14:48:18
Unknown
i just got same call about a payday loan i get these calls from other area codes as well its just a magic jack scam dont be alarmed.
Leslie Rowe
Leslie Rowe
2011-11-16 13:30:38
Unknown
I Have been receiving threating phone calls from a 724, and 626 I have contacted the Arlington county police department and I will call them again i have my number on no call block telemartket but they must be using a cell phone same people.the phone numbers are 724-521-2111 and 626-384-3257 HORASMENT IS AGAINST THE LAW. I want something done about theise numbers A.S.A.P
1-866-809-7506 1-800-686-2700 1-877-401-6202
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