I dont want the service dont take no money from banking acoount

i am NOT interested in the platnium trust card please do not call me back with any offers and DO NOT debit my account for any reason what so ever.Thanks for the information you gave me about your card offers once again but im not interested

i change mine mind about the ptc card i do not want it at all please remove me from the call ok thank you.

Same thing. Called. No Message. Called back and got fax noises.

The caller did not leave a message.

they are profesionals thieves dont give then any credit card number or any payment! please contact to the police department! believe dont trust then

I have similar complaints as the others on this site. Please if you know how to stop their calls... Let me know!! Thank You!!
This number keeps coming in also from them!! v0310124422137411801965884

i wish for u not to take any money from bank account..and i do not want da ptc card.  thank u

How can you remove your name-and keep them from charging your account when they block you from sending them emails to cancel the damn thing,and won't do it over the phone.

Keep calling me ..when I answer no one talks!

They called me too saying that they got my name and number from a loan company and I told them that they will be reported. they stopped calling me soon after..I also put a freeze on my bank account just in case. in these hard times this should happen to hard workin people like us.

i also received a call from this number, tried returning call on office phone.  sounds like a fax, don't know how the people are getting cell no.  this is very annoying.

Hey I was wondering about this number so far it has called me about four times..and just like others in this posting, I either got a fax tone or no answer at all.  I called the local police department, and all they could say is "just don't answer, when I see the number", what a big help..

yes i also have recieved this phone number, and other from a 510 area code calling i believe from florida. same thing they told me that they were calling from us legal investigations, and sad to say but i was suckered into this for like 500 dollars. do not answer or give n e info to them no matter how firm and convincing they sound i speak from experience. and i one point they read me my ip address from my pc. so stay away or ignore them.

This company is a total scammer. It's sad when other people have nothing better to do with their time then rip you off in a already bad economy.

Got 7 Calls within 1 hour. I was out in Gym so saw only after coming back.

I got a call frome these guys the exact same day i was checking out payday loans. Caller said if I paid them 90 bucks they would give me a credit card for 9,500 bucks... Really??? It's a scam

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

This number has called 6 times in a span of 3 hours.  My husband finally answered and a man with a heavy Pakistani accent informed my husband that I have an outstanding account of $2800 but he never said who or what it was for.  He gave no account number or information.  I don't even HAVE a credit card.  I use my credit/debit card for all transactions or cash only.  When I came home from work, I called the number several times but it was a fax number.  I have reported several of these types of calls to the FTC but I fear that there are so many across the country that they have not the resources to track them down and prosecute them.  The worst part is that they call my workplace too.  They even called my secretary and insisted on speaking with my supervisor about a "supposed" debt.  Once, another number called my secretary and said that I was being investigated for "cyber crime".  Unbelievable.

If I get one more phone call from these people i'm going to lose my mind. They called me about a dozen times today, no joke. I've answered most of them, hoping that expressing my dismay of their call, not interested in their services/offers etc, and to please take me out of their database would help but it hasn't. These types of situations are so frustrating, who do you report them to- what action is taken? NOT enough or soon enough is all I know. I had words with the last lady that called- after being poliet and explaing I would like them to stop calling and had asked several times today, she had the nerve to get rude with me. I hung up and she procedeed to call me back 3 more times. I didn't not answer- not worth it. Obviously these people have no repsect for others.
I noticed most of you are commenting about this number being for a credit card offer. But the few people I talked to today were calling regarding school loan offers.
I recently took out an online loan- stupid I know, but desparte times call for desparte measures... I should of known better then to put in my phone number on a few of the sites. I've been getting numerous texts too, but those are thankfully easy to stop.

they are profesionals thieves dont give then any credit card number or any payment! please contact to the police department! believe dont trust then.

I received a call from this number,  they sounded foreign and asked for someone named Cheryl.  I told the lady they dialed the wrong number she hung up.  a couple minutes later I received a call from them again that i ignored.

I am constantly getting calls from this number and many other numbers and they do not leave any messages. I received a call did not answer they left a message and said they were from United States Legal Investigations and said there was a lawsuit against my social security number. Unfortunately for me I paid them some money until I got to my senses especially after other calls from them and others that left messages with heavy accents like they are from India or somewhere over there. I am call th US attorney Generals office about this and I think everyone should. I also contacted ABCNews.com and gave them this story line. Many more people should contact some news sorce to get this out to everyone

This number calls me all the time, I try to answer and no one is there, I try to call back and the number does not work.

I am getting calls and when call back its a fax sound

I am graqteful for this website!  Because of major health emergencies/costs, I had to file for bankruptcy a few years back.  I decided to search online for a start-up credit card that might help me rebuild my credit.  BIG mistake.  I now constantly get calls from all kinds of fake numbers.  I do NOT answer them.  I simply pick up the receiver and put it back down.  Sometimes takes more than once, but my guess is they think is a nonworking number or a blocked number and they stop calling.  I immediately come here and look it up and file my own report.  I am on all the Do Not Call lists, but that does not seem to help.

got 2 this morning one right after the other, and one just now, when I answered, I heard "Hello can I speak to-" right then the call ended

this is a scam and a big one too you should call the cops if they keep calling you.. bye the way they took 1.000 dollers out of my bank and now i have no money  thanks alot ptccard

i have gotten three calls from this number today,but when i answer it hangs up and when i called the number back it sounds like a fax machine.

I received a call today 10-19-10, answered and received no voice on other end, call ended.  I called it back and the line answer respond like it was a fax.