I applied for a payday loan, then decided not to go through with it.  However, I've been receiving dozens of calls all day long.  This evening an unkown number called and I told him I was no longer interested and hung up on him.  A minute later the same unknown number called me back, and said they f****d my wife 20 times.  He repeated it at least three times, who are these jokers.

These people are calling my job and stating I took out a loan. This man, Kevin Smith, keeps calling my job and harrasing me ... I never took out a loan and he will not supply me with any details of the matter. How do I get him to stop calling?

I KEEP GETTING PHONE   CALLS FROM THESE SCUMBAGS SAYING IM AM TRYING TO SCAM THEM AND I GOING TO GET ARRESTED  IF I DONT PAY BACK MONY I GOT FROM THEM  THE FUNNY THING IS THAT I NEVER GOT MONEY  FROM THEM  I PUT A APP IN FOR A PAYDAY LOANA FEW WEEKS AGO  FOR SCHOOL CLOTHES BUT DID NOT HAVE TO    SOMEONE NEEDS TO STOP THESE  F.U.C.K...SSSS THES IS THE USA WHAT THE HELL

I recieved a call from this number for the last 2 weeks! Vince carter and daniel smith saying i borrowed 300.00 fron us cash advance, and that im being sued for 10,000.00 dollars, and that i was gonna be arrested at 11.00am tomorrow by the federal government, that they was gonna arest my family, and that i was gonna loose my house, my kids, and my job... for one i dont have any kids, i dont have my own home, and i dont work, so BEWARE AND DO NOT ANSWER THESE PEOPLE!!! And the funny part they said they was gonna throw me out of the country and these people are from India!!! Dont be scared its a SCAM!!!!!

I have started receiving droves of calls from these people. Calling himself Joseph Garner. Telling me I am going to be sued and receive jail time and that my fees will be in excess of 9000. They claim to be able to settle all my unsecured debt if I send them 1350 right away. They called a friend of mine and threatened to ruin his credit, and call him every 2 minutes and are very rude. They called me 15 times in less than 10 minutes. This is a scam and they need to be stopped.

Received call on my cell phone now he is calling my job saying that im going to lose my job.

I received calls from the same people last year.  Now the calls are starting again.  I know it's a big scam, so I just hang up on them.  They cannot do anything to you or your accounts.  I told them that I had my phone monitored by the police.  That stopped them for almost a year.

Got the same calles scared the crap out of me. I told them show me proof now he is calling my job how can I stop them from calling my job.

**BEWARE** THESE CREEPS call me EVERYDAY!!! Say their name is Vince Carter and Daniel Smith or Ricki Smith out of Ft Myers Florida..They call from 855-846-4571 and 817-591-6795

david jones calls my work and my cell phone. he called my work 5 times , then my cell. he left threatening messages. he states that i better talk to him or else! he states that i or my attorney call him back emediately. I recieved these same phones calls a year ago. same guy, same number.he says he doesnt care , he will talk to me. he will get what he wans from me.he threatens thta i better wire him money or they will have me arrested.

I have received numerous call form this company threating to have me fired from job stating that i owe them $711.00  money I owed to the from some cash advance which i have never received or attempted to receive stating I  would lose my job and  would be held account and could face up to five year in prison if i did not pay this money  the company could not give me any of my personal info  but yet  said i owed them money giving false names such as Frank Hudson and Raymond Scott PLEASE STOP THIS SCAM!!!

Recieved a call from a Sean Miller saying he's calling from the legal department of US Cash Advance that they have a legal aalegiation against me. I stopped him right there and asked for there telephone number for my attorney could call them back. He asked me to hold then someone with a american accent came on told him the same thing asked where they are located at only gave me St Peterburg Florida no other information

Phantom Debt Collectors From India Harass Americans, Demand Money

By BRIAN ROSS (@brianross) , CINDY GALLI and MATTHEW MOSK (@mattmosk)
June 7, 2012

Hundreds of thousands of cash-strapped Americans have been targeted by abusive debt collectors operating out of overseas call centers suspected of links to organized crime in India, law enforcement officials told ABC News.

The calls are part of a massive scam, one that appears to target struggling Americans -- especially those who have gone online to apply for payday loans. Armed with personal information from those pilfered applications, the threatening callers, who claim to be debt collectors poised to initiate legal action, have managed to pry loose millions of dollars from their victims -- even when the victims never owed money in the first place.

"This is what we call a phantom debt collection scam," said Jon Leibowitz, the chairman of the Federal Trade Commission. "It's a very pernicious and innovative new fraud."

Working through call centers in India, the commission estimates that the criminals have dialed at least 2.5 million calls, persuading already cash-strapped victims to send them more than $5 million. Some have reported receiving dozens of calls per hour. They are victims like Cindy Gervais, of New Orleans, who went online for a quick loan when her husband's car was hit by a driver who didn't have insurance.

Even though she paid the loan off, the so-called "phantom" debt collectors with Indian accents began calling to say she still owed money.

He more or less told me that if I didn't pay, they were going to have someone on my doorstep to arrest me," she told ABC News. "And that they were going to contact my place of business, and tell them what kind of person I am."

At first, she said she resisted. Then the calls became more frequent, and started to ring on her cell phone, and at the grocery distribution company where she had worked for 27 years.

"I was more or less was in panic mode because he told me there would be someone before noon at my place of business to arrest me and take me to jail," she said tearfully. "So I agreed to pay him."

After receiving scores of complaints, investigators with the FTC said they began tracking the calls, and following the payments. They alleged the payments led them to a California company run by an Indian-American named Kirit Patel, and that such scams would not be possible without American front men.

"I would say that all roads of this scam, or many of the roads of this scam, lead back to Mr. Patel," said the FTC's Leibowitz.

ABC News tracked Patel for weeks, from the suburbs of San Francisco to Austin, Texas.

Patel refused to talk. But his lawyer, Mark Ellis, said he believes it is far too early to pass judgment on his client. Ellis, a Sacramento-based attorney, told ABC News that Patel was hired for a nominal fee to set up an American shell company, and had no idea what the call centers in India were doing.

"I can tell you, he was as snookered by the people in India as anybody," Ellis said. "He's a 69-year-old man who is nearing his retirement who thought all he had to do was set up some corporations and everything was on the up and up. He's completely dismayed that he has become the lightning rod of this entire problem."

A close friend of Patel's also defended him in a brief interview at his home, saying Patel was not trying to defraud anyone -- he was just an unwitting, bit player in a larger scheme.

"If Mr. Patel was just a cog in the wheel he seems to have been a pretty big cog," Leibowitz said. "It is clear that Patel was integrally involved with this scam."

Leibowitz points to thousands of pages of financial and phone records gathered by the FTC and filed as part of a civil case brought against him in the U.S. District Court in Sacramento last month. When FTC lawyers sought to freeze his assets and prevent his business from continuing to operate, Patel responded by invoking his rights against self-incrimination. His lawyer told ABC News he has had to be careful in how he responds to the allegations in civil court "because there is a potential criminal action," but that Patel maintains the allegations against him are false.

Federal investigators said the phantom debt collection operation that allegedly benefitted from Patel's assistance was one of several that all trace back to the same small town in Western India called Ahmedabad. Callers use technology to make it appear that the calls originate inside the U.S. Victims provided ABC News with recordings of dozens of the calls, and many of the thickly accented callers appear to be reading off a script.

"Subpoenas have been readied, and Monday morning you're going to be picked up from your home," one caller says on a victim's voicemail. "And you have children. Don't worry about your children. We have a childcare department to take care of the children."

"You will be behind bars for six months," said another caller. "And once you go behind bars, you will lose your job. Once you are behind the bars, you won't get a single drop of water."

William Peerce Howard, a Tampa attorney who represents victims of harassment from debt collectors, said it takes an especially twisted criminal to use threats and coercion to pry money from someone who is already struggling financially

"These guys really are the most visible villains in America today," he said. "They make a living scaring people."

Mark Merola, of Florida, said he just panicked when the caller told him he might be arrested at the deli where he works in a Florida retirement community.

"I was nervous. I didn't want to embarrass myself, my family," he said. He used his debit card to pay the collector $576.

Afterwards, he says he realized "how stupid I was."

"It just happened so fast," he said. "I got scared."

Leibowitz said he hopes with more attention, future potential targets of the scam will recognize red flags before they turn over any money.

If callers say they are from the police, consumers should know that law enforcement officers do not collect debt for private parties. If the caller is speaking with a thick Indian accent, but calls themselves by a names such as Officer Mike Johnson, that should be a tip off. And if they're calling 40 times in two hours, that's another red flag. "Legitimate debt collectors, legitimate pay day lenders don't do those sorts of things," he said.

Merola said he would like to see anyone involved in the scam prosecuted aggressively.

"There's no place in society for these people," he said.

These Indians are calling my work claiming to be from A Crime Investigation Unit and that I owe them money......They are calling my work repeatedly and have threatened to have me fired.  I have never taken out any loans and have no idea how they got my info.  Who do I call for help???????

These people said that I am going to go to prison for at least 2 years and have a $7000 fine and they will get me in trouble for listing my employers information when applying for a loan and i already paid off the loan and now I told them that the law enforcement will be involved and so will my attorney and now they are trying to tell me that everyone who contacts them for me will lose there job and that they no i will get sued for that also and they know exactly who I work for.

I received a call from these guys and also had no idea what they were talking about.  I did make an inquiry into a private, small loan, a few weeks ago, but was advised against it.  Then, I began to see why.  I entered my information for the loan, and that company sold my info to other parties.  Long story short, I did not accept the loan I was "approved" for, and companies immediately began to withdraw amounts from my checking account.  Had to get into touch with the fraud department of my banking instituition, and received my money back, but as a safety measure had to close the account altogether.  These guys contacted me, with lots of threats, and, as mentioned above, broken English and hot tempers.  When I attempted to get additional information such as: which court is doing what, who can I contact to make arrangements, etc. ( essiantially in an effort to make it sound like I would play ball), I was met with no answers, no information, and a threat of jail and arrest warrants in my community.  

It was a dumb idea to borrow to begin with, but an even worse idea to give information over the net.  Beware.  This is a total scam.

**BEWARE** THESE CREEPS call me EVERYDAY!!! Say their name is Vince Carter and Daniel Smith out of Ft Myers Florida..They call from 855-846-4571 and 817-591-6795

They are PERVERTS saying I took out a Payday Loan which I have not, then they say don?t you remember our night together last night!! They tell my children doesn?t she remember our time together!! I have called police and filed a harassment charge on this company!!!

**BEWARE** THESE CREEPS call me EVERYDAY!!! Say their name is Vince Carter and Daniel Smith out of Ft Myers Florida..They call from 855-846-4571 and 817-591-6795

They are PERVERTS saying I took out a Payday Loan which I have not, then they say dont you remember our night together last night!! They tell my children doesnt she remember our time together!! I have called police and filed a harrasment charge on this company!!!

Called and told me my friend took out money and I signed for it, which never happen. Called me a criminal, a theif and said stay on the line the police were on their way to arrest me and put my in jail for 5 years. Would not give my the name of the company or address. I had stated that if there was a dispute why didn't my friend have any knowlege of this and was not notified by mail. Hung up on me several times. These people are breaking every law they can, harrassing people and getting away with it by hiding with this number. It needs to stop.

was really in shock they put me in trouboe in my job they called god lot times they dont have any respect, what is this for???????

Called me 12 times between 5:00 - 7:00 p.m.  I did not answer.  Left 5 messages.  Could not understand anything in the message as their english is horrendous.  Never once used my name in the message.  Just said an "important legal matter".  Total SCAM!  Do not answer!

Called and yelled at me that I owed him money when I asked him to decribe what I owe and when I took the loan out. Do not answer!