760-284-1426
CA, US
j. adams
j. adams
2011-06-06 20:56:30
Unknown
received phone calls looking for someone named Eric Wright, Said they were law office and that I was lying about the fact that this person  did not live here.  The caller sounded like they were from India.
Tink
Tink
2010-12-08 19:42:51
Unknown
760-284-1426

Freaking harrassing my boss now looking for me..
The Saint
The Saint
2010-11-19 13:39:56
Unknown
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.

http://800notes.com/Phone.aspx/1-646-274-1143/3
linda
linda
2010-11-19 13:14:36
Unknown
A gentlelman called me and said This message is intended, for linda. Mr. linda the very second, you receive this message. I need you or your retained attorney of reccerds to return the call. The issue at hand, is extremely time sensitive.
My name is tom curse and the hot line to my devision is 760-284-1426. Again that is 760-284-1426. Don?t dis regard this message, return the call. Now, linda if you don?t return the call and I don?t hear from your attorney either then the only thing I can do for you is wish you good luck? As this situation unfolds on you?  Good Bye. And best of luck for your case.
Annie
Annie
2010-11-08 20:17:13
Unknown
They call me too! From all sorts of numbers. Claiming they are an "officer of the law" with some sort of indian accent and that there will be police officers coming to arrest me with all these bogus charges against me on a phony payday loan that I supposedly had... they even had names of friends that I have previously used as referrences on other things. They've even called me back after I hang up calling me a "b*tch" and "stupid lady... that's all you are is a stupid worthless lady" and one even said "i will track you down and kick your a**" I called the FTC and our state's Attorney General and they both said it's a scam and the only thing I can do is change my number or hang up as soon as I realize it's them and not to give them money. They also gave me a list of information that would help determine the difference between a real debt collector and a scammer. A debt collector HAS to send you a written notification with in 5 business days of the first contact. Also, a debt collecting agency and officer CANNOT make ANY sort of threats against you whatsoever... not even to garnish wages. If they do so and it is reported, they can receive fines starting at $10,000. My husband is in the military so we can't just change our phone numbers, there are way too many people we would have to notify, so we contacted our cell phone providers and downloaded a phone number blocking program and add those numbers to the list as they call. They stop calling for a while but eventually find a number that isn't on the list.
anonymous
anonymous
2010-10-28 16:50:23
Unknown
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG. Buy a whistle or air horn and use it, God will forgive.
Gayle
Gayle
2010-10-25 16:44:01
Debt Collector
A gentlelman called me and said that me and my sister owe him money and that the sheriff's will be out to arrest us in the morning.  He call 6 months ago and I told him not to called my number anymore.  I hope that the telephone company can put a stop to this harrassment.  We don't know who he is and his threats mean nothing to us.  He had very broken english and I could'nt get the name of the company.  I will try to get it so that I can put in a complaint.  This should not be happening to any of us, but it is happening and hopefully he will get caught soon!
honeyplum
honeyplum
2010-10-25 15:39:31
Unknown
This man called and said he was Matthew Thomas saying that I owed him money and If I didn't call him back right away the sheriff is coming to arrest me. I don't owe any money and I don't know why this man is calling and he continues to call my job. Each time he uses a different name and a different phone number. He is a scammer so don't give him any information at all.
william turner
william turner
2010-10-22 22:49:53
Unknown
i wiil go to toilet bt takng  yu too.yu will be down &i will be up.
anonymous
anonymous
2010-10-21 23:44:19
Unknown
David Thompson, aren't your really William TURDer??? You dumba$$ TURD, go back down the toilet!
anonymous
anonymous
2010-10-21 23:43:47
Unknown
William TURDer, you dumba$$ TURD, drop yourself down a toilet!
David Thompson
David Thompson
2010-10-21 22:12:51
Unknown
Who said that yu are innocent.Yu are a beggar thats why rnt talk rubbish abt us .
William turner
William turner
2010-10-21 22:09:58
Unknown
What da f*** yu have to do with my language.u lier.yu better mind yur tongue, that will be much better.
michelle
michelle
2010-10-20 18:38:21
Unknown
Person left this number for me to call back but used a legal law firm number that showed up on the caller ID.  Wait till this law firm finds out they are using their number to make illegal phone calls to innocent people.  They'll get theirs!!!
bob
bob
2010-10-18 15:42:49
Unknown
Look you non English speaking foreign piece of crap why don't mind your language.
william turner
william turner
2010-10-15 20:17:52
Unknown
Who told u to pay the money.U lier.u can again  call back and confirm that tis was a call from law firm.So better mind ur language
MISTIE
MISTIE
2010-10-15 19:32:35
Unknown
i recieved a message on my cell phone and a voice mail on our general voice mail for everyone to hear saying this was an urgent call and if i didn't return their call or pay money owed to them i would go to jail.
raje
raje
2010-10-08 23:23:41
Unknown
Love for us
rosalie cooper
rosalie cooper
2010-10-05 22:27:02
Debt Collector
I received saying sometihing was goin to happen to me , ,ifI or my atttorney call them back
sue
sue
2010-09-24 23:16:12
Unknown
calls claiming that I owe a large sum of money.
1-630-820-0577 1-800-250-1543 1-800-591-0569
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