Recieved 2 phone calls from 787-275-5073 and 2 calss from 786-275-5039 All calls were the same person, but different names each time. I usually ignore the calls, but today I answered and told them to stop calling and that I reported their number-probably won't do any good. Always the same story that my number was used for references and that I was to call them back. Do anyone know who else this can be reported to

I was told to call the Sheriff's office who told me it is probably people from out of the country and gave me a number to call to report this.  1-800-333-2433. I'm not sure if this is a # for everyone in the US, but it doesn't hurt to try. I filed a report, not sure what will get done.  What upsets me is that they now have my ss#, address and drivers lic #.  They hung up when my attorney's office called them and identified themself.  Haven't had a call since but I am now getting calls from a different # 760-300-4019.  When I told them I knew it was a scam and that I had reported them to the authorities, he immediately hung up.  Hopefully this will stop for awhile.

I got a call fromthis number yesterday stating that my ss# is under investigation and I need to call them back or have my attny call them asap. If this is some investigation why have I not recvd anything in the mail.

THIS NUMBER KEEPS CALLING US AND SAYS HIS NAME IS ANTHONY AND IT IS A LEGAL MATTER BUT WILL NOT ANSWER ANY RETURN CALLS!!! IT IS A MIAMI DADE NUMBER??SOMEONE PLEASE HELP TO STOP THESE DUMB CALLS

Someone came to my house that a sheriff said he was; traced the phone# which is 786-275-5073
They never stop!!! I have reported this few months ago but they have been active again. How to stop this??? who are they???

I have recieved a call from these people as did my work and about four other people that know me.  Sounds like they got their hands on maybe a credit application or something.  They say they are calling me a lawsuit against me and that they are in contact with the police.  I called them back and told them not to call my work or any of my contacts again and that I was calling the police and the guy who spoke broken english says go ahead and have your police call me and then hung up on me.  I bet there not even calling from the states.

i m getting same call. totaly fraud..

They are not in the US. I filed a report with the local FBI & Homeland Security, both are aware of this scam but they can not track them dowm. They only know that they are calling from the Middle East somewhere. Just ignore them, don't answer or call them back. They eventually stop calling.

Someone came to my house that a sheriff said he was; traced the phone# which is 786-275-5073
They never stop!!! I have reported this few months ago but they have been active again. How to stop this??? who are they???

I have recieved a call from these people as did my work and about four other people that know me.  Sounds like they got their hands on maybe a credit application or something.  They say they are calling me a lawsuit against me and that they are in contact with the police.  I called them back and told them not to call my work or any of my contacts again and that I was calling the police and the guy who spoke broken english says go ahead and have your police call me and then hung up on me.  I bet there not even calling from the states.

i m getting same call. totaly fraud..

They are not in the US. I filed a report with the local FBI & Homeland Security, both are aware of this scam but they can not track them dowm. They only know that they are calling from the Middle East somewhere. Just ignore them, don't answer or call them back. They eventually stop calling.

THIS NUMBER KEEPS CALLING US AND SAYS HIS NAME IS ANTHONY AND IT IS A LEGAL MATTER BUT WILL NOT ANSWER ANY RETURN CALLS!!! IT IS A MIAMI DADE NUMBER??SOMEONE PLEASE HELP TO STOP THESE DUMB CALLS

I have recieved a call from these people as did my work and about four other people that know me.  Sounds like they got their hands on maybe a credit application or something.  They say they are calling me a lawsuit against me and that they are in contact with the police.  I called them back and told them not to call my work or any of my contacts again and that I was calling the police and the guy who spoke broken english says go ahead and have your police call me and then hung up on me.  I bet there not even calling from the states.

They are not in the US. I filed a report with the local FBI & Homeland Security, both are aware of this scam but they can not track them dowm. They only know that they are calling from the Middle East somewhere. Just ignore them, don't answer or call them back. They eventually stop calling.

Someone came to my house that a sheriff said he was; traced the phone# which is 786-275-5073
They never stop!!! I have reported this few months ago but they have been active again. How to stop this??? who are they???

THIS NUMBER KEEPS CALLING US AND SAYS HIS NAME IS ANTHONY AND IT IS A LEGAL MATTER BUT WILL NOT ANSWER ANY RETURN CALLS!!! IT IS A MIAMI DADE NUMBER??SOMEONE PLEASE HELP TO STOP THESE DUMB CALLS

i m getting same call. totaly fraud..

I got a similar call 7862755026 But is also an unknown and an international number too they said i owe them 234$ and if i settle now and pay 535.35$ i wont have to go to court they kept on taljin over me n i asked them wen did i applied it and time and date appatently the date and time they provided me wad totally off i know wat i was doing that day ehich was working as usual and i am a security officer i have to stand in one spot from 9am-5pm with no access to anythin phone internet or internet too wut is scary is that he knows almost all my personal infos i reported to the police and i called them back for a hard copy of what im suppose to pay for they kept tryin to talk over me n pretend they dont noe any of my question trying to avoid it so i called them back all i get is voicemails so i left them the vms threaten them and funny thing is they asked me if im american i said yes they talked real fast and hung up lol heavy a** acients tryin to pretend they are american

This company has been calling me twice an hour for the last couple of days.  I can hardly understand what they are saying and they always threaten that I am about to be arrested.  I tried to tell them not to call back but they just kept talking over me.   I no longer answer the phone when they call.

I got a call from a David Williams from Dispute Resolution Center asking about a legal matter. His number is (786) 275-5073. There was a lot of background noises, and he did not speak English very well. When I asked him if it was a scam, he replied, "No, you are a scam."  I informed him, "You are scam. I am going to report you to the authorities. Okay, bye."  I hung up.  I wish the United States had way to stop these types of scams and protect people.

Received three calls today from an individual posing as "Officer Don Douglas" with the "Speed Resolution" unit.  He seemed to have a thick Indian or Pakistani accent.  He was calling concerning a family member.  Having had similar calls in the past, I stated I knew the call was illegal, wanted my number removed immediately from the calling list, and would report the number to the police the very next time it appeared on my phone.

I had the exact same call about 2 months ago.  The company was the Department of Law and Investigation.  After turning the tables on them and harassing them, calling them, laughing at them, and simply making a game out of it...they stopped.  I also informed them I would only return their calls from my work phone, since I work at a college that has it's own telecommunication center and the calls would be traced.  Then about a month ago, I saw a special on the news.  The exact same scam but the company uses a variety of names...on of them being the Department of Law and Investigation.  They are located in both India and Pakistan and two have been arrested so far.  Low and behold, today I got a call again.  Because their accents are so thick, I couldn't completely make out the name of the company on my message machines, something resolution center?  Anyway, called them from my work phone.  I was pleasant as could be and when they asked me if I understood the charges I told them I understood their scam and was calling them from a traced phone line.  I also told them they were pretty idiotic for using the EXACT same script all the time, it makes it pretty obvious.  He said he was going to come and arrest him.  I told him I would be waiting, although I imagine the communte from India or Pakistan would be timely.  He told me to F*** off and hung up with me.  lol....best thing to do is just have fun with them, at least you can annoy them.

Just received a message from 7862755073 at my work. The guy had broken english and was difficult to understand. His name was David Williams and said that they received a legal application that was going to be executed on my name. Told me not to disregard the message and call him back. He also said that my SSN and all other details were under investigation. He said he was from Dispute Resolution Center. Never heard of this company.

I got a phone call today from 7862755073 alot of noise in the back ground, gave a different name than mine and said this name and number was given as a reference. Couldn't understand the name of the company and what the reference was for, just wanted me to call back

im so sick of these ppl. they call all hrs of the day!!! something has to be done to put these ppl behind doors. i say lets all get together n do it!! how with me?

I have been receiving calls from this company from two different numbers. I have reported it to the local police deparmtents where the numbers are calling from. Unfortunately since I have not paid them anything I am not yet a "victim". I am contacting my AG and my congress and senate members. Hopefully, someone will help soon!

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.

These people call with obvious fake names, very crowded call center noise and terrible English demanding I pay them a sum of money.  They claim a sum of money was deposited into my account.  I have told them after checking with my bank they were mistaken.  It has been several months and they still call, sometimes 15 times a day! The worst part is they  have my FULL ssn!! I have threatened them with Lawer and they hang up.  I have asked them to send me paperwork for my review which they have not.  I have been told the local authorities are coming to serve a court notice several times, no such event has happened.  Even after trying some of the other ideas posted in this forum,they still call.  Is there anything I can do? Can I press charges against them? Is this something I can take legal action against?
I'm so sorry to those this has happened to!

I got a call from the same numberL someone named Luis Parker, He spoke bad english