I received a phone call saying I was being charged with check fraud and not paying a loan company I never borrowed from. When I called the company they said was charging me they knew immediately who was calling. Why cant they be stopped? My info has been taken and now I wont stop getting calls from people who.have somehow got my info.

I recieved a call also from officer Daniel Richards claiming I had a payday in November 2013. I never got a loan last year. He claim that there was chargers file against. I called him on it. He told me  ok call the courthouse to get my chargers dismissed the number was 202-241-5147 a DC number

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/
https://esupport.fcc.gov/ccmsforms/form1088.action
Also read up on the laws and your rights:

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
************
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
************
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
*******************************
Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
****************************************
A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
***************************************
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.

Why did you send them money? Don't let these people scare you lol... I never heard of a Morgan Associates and if they really wanted to sue you, they will mail it to your address and not ask your information over the phone.  I hope it wasn't over seas cause yes this a scam...

  This is the mess I'm getting in my email and voice mail not sure what to say or do
$825.86

Loan Company-

You are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:(1) VIOLATION OF FEDERAL BANKING REGULATION 
(2) COLLATERAL CHECK FRAUD 
(3) THEFT BY DECEPTION 
(4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFERNow, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you.We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1 347 670 4001 between  9.30 to 6.30 (EST).IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON   +1 347 670 4001. 

UNITED STATES OF ATTORNEYCopyright © 2006 ACS | Privacy | Terms of use--------------------------------------------------------------------------------Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ignore it, it is a scam.

I just got a call from that number 813-774-5528 it was a recording message telling me that I have a pending case that might include a restraining order against me to contact my lawyer , I got very very scared that never happen to me bfore I try to call back and just say that the mailbox is full I don't know what to do , I check on line all the public record, court and so on and I didn't find anything with my name on it . please any advice

I have responded once before and paid money and never heard another thing, but after receiving MULTIPLE phone calls stating basically the same story, I ignored them... and nothing ever happens. GOt nothing in the mail or anything... just more phone calls from other ppl and other numbers... ANNOYING.

absolutley nothing. i confronted them on the phone when i was suspicious and they hung up on me. but called me again a few weeks later!

Hi, i have Belén recieving same calls too they don't stop calling me they even call me at 4 or 5 am they call every other day they have all my information even my social and my birthdate I don't know what to do I'm so worried.

I recieved a call from an Emergency 9-1-1 on my cell stating that i needed to contact this Officer Daniel Richards at 904-436-9001 right away due to complaints being charged against me. I called this person and he stated that i applied for a payday loan and it was delinquent and i was now going to have to pay $2,182.54 to keep warrants being issued on my behalf. He had my ss# and other information, made me promise to pay $600 on this Friday and then every two weeks thereafter until payment was in full. I called my bank and had my card blocked, called the payday loan office that i went thru and was told that i am not the first person who has been reporting this. My account is not delinquent and I also called local authorities and filed a complaint with the FBI. Officers will never accept a payment in any fashion, you would have to make a payment to your county clerk.

I had applied for a payday loan online.  Shortly after that I started getting calls from people claiming to represent the law firm that filed suit againt me.  They told me I was on a recorded line and was being charged with financial crimes for receiving a $500 payday loan that was not repaid due to NSF.  I never had a loan with CASH NET USA.  I was told that the suit was seeking to recover over $5000.  They could tell me the date of the alledged deposit of funds.  I'm going to report them.

It is exactly what I have done.  I have seen so many post that people have given them money.  So sad

You obviously are the dirt bags that are doing this.  KARMA

I just inquired about a payday loan and never got it.  They are harrassing me too but they cant do anything to you.  They are hoping for 1 out of the hundred to pay.  You have been scammed.  I have all their numbers blocked and hopefully they will eventually go away.  That really sucks for you

what address did u send money to?

I am a law enforcement officer, and these are indeed scams as is this post claiming Officer Daniels saved someone from getting into big trouble. We have reports of these kinds of scams daily. Do not give them any information and contact your local police with any information you get from these callers.

i also got a call from this number same mode like always saying you have allegations on your ss# they usually give the last 4 numbers just to get you to comfirmed that this is you/ and they always end with god bless you and good luck always a  person with a very heavy accent giving you an american name like mr. griffin/ and if not get your attorney to call them if not you will be arrested at your address.
please this is urgent. and then they keep calling and harrassing you at work/ i had to change my cell number due to this/what can we do with people like this. these are very rude people, they donot know a lawsuit it does not exit another is any public records will be reported to the credit bureau right away. if they cannot get in touch and usually by the person who press charges, as per an attorney i spoke to.how to speak to people./ also if you are not given any papers from an attorney or lawyer you not serve  with any lawsuit, be ware of these scam artists.

received a call from this company

Got a call from Morgan associates.

From Lamet's post:

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):
1.    The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.
2.    Alert the FBI at https://tips.fbi.gov Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.
3.    File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.
4.    File a complaint your state's attorney general, the contact information for whom is at www.wvago.gov
5.    File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:


http://800notes.com/Phone.aspx/1-888-771-9249   Scammer posting here as GARY and GARRY JONES
http://800notes.com/Phone.aspx/1-866-860-4509   Scammer posting here as Mike Henderson
http://800notes.com/Phone.aspx/1-212-500-0839   Scammer posting here as Ricky
http://800notes.com/Phone.aspx/1-201-244-7722   Scammer posting as Carole, David Brown and Amanda
http://800notes.com/Phone.aspx/1-626-200-4646   Scammer false postings at this new number as silshan kanniue and Tina ? preparing a new number to use.
http://800notes.com/Phone.aspx/1-424-354-4270   Scammer false postings as Rose
http://800notes.com/Phone.aspx/1-888-785-4479   Scammer posting as Robert
http://800notes.com/Phone.aspx/1-909-327-4870   Scammer false postings as Marry
http://800notes.com/Phone.aspx/1-646-274-1143   Scammer false postings as Karen Miller, Chichi and Tom Little
http://800notes.com/Phone.aspx/1-561-300-8018   Scammer false postings as Marco Polo (real original)
http://800notes.com/Phone.aspx/1-877-226-7488   Scammer false postings as SAM, David S
http://800notes.com/Phone.aspx/1-888-706-7463   Scammer false postings as George
http://800notes.com/Phone.aspx/1-209-349-7382   Scammer false postings as Towanda Robinson, Shannon Walsh, Jack Dawson and Cynthia
http://800notes.com/Phone.aspx/1-760-514-0132   scammer false postings as Suzy01, Johanna Hall, Cindie McMellon, Michael Dublin, Mark Williams, Carol and Rio   (800notes removed some of the scammers posts because the all came from the SAME IP ADDRESS)
http://800notes.com/Phone.aspx/1-209-797-2212   scammer false posting as Jaison Connar
http://800notes.com/Phone.aspx/1-707-401-4056   Scammer false posting as John Carner, KSR
http://800notes.com/Phone.aspx/1-650-241-4604   Scammer false postings as jhon and Kevin
http://800notes.com/Phone.aspx/1-708-401-0535   Scammer false posting here as JHON
http://800notes.com/Phone.aspx/1-518-212-0219  Scammer false posting

************************************************************************************************************************
Consumer Alert: Attorney General warns Kansans of debt collection scam

January 29, 2010 -- Attorney General Steve Six is cautioning Kansas consumers about telephone calls from apparent fake debt collectors who are impersonating law enforcement officers in an effort to extort money from consumers.   Consumers are warned to not submit payments to these fraudulent debt collectors.

When calling, the scammers most often state they are attempting to collect a debt related to an internet payday loan obtained by the consumer, but which the consumer never repaid.  Consumers state they have never obtained such a loan or paid off the loan years ago.  The scam artists have most recently identified themselves as ACS, National Affidavit Processing Department and United Financial Crime Division, but may use additional phony names.  It appears the phone numbers used by the scammers are ?spoofed? numbers, so that the number appearing on a consumer?s caller ID is not the actual number of where the call originated. It appears the calls in question may be originating from outside the United States.

When questioned, the individual calling refuses to disclose the full name or address of the collection agency they claim to represent.  These scammers have been able to provide consumers with identifying information, such as the consumer?s social security number, home address, e-mail address, names of family members and the consumer?s computer IP address.  Since the callers are able to provide valid personal information, consumers may become confused and believe they are being contacted in regard to a legitimate debt.

If the initial debt collection scam is unsuccessful, consumers have been re-contacted months later with the scammers posing as law enforcement officers or officers of the court.  Typically, the consumer is threatened with arrest for fraud or some other fictitious crime unless the consumer agrees to immediately wire money via Western Union.  The fictitious officers strive to frighten and confuse consumers into compliance by using legal sounding terms such as ?We?re filing an affidavit against you? or by stating a lawsuit has been or is in the process of being filed against the consumer.

A hallmark of each scam has been calling consumers repeatedly at their place of employment.  This scam hit home when an employee of the Kansas Attorney General?s Office was repeatedly called both on her cell phone and at work.  Despite the employee?s repeated verbal disputes, the caller refused to provide any identifying information to allow her to send a written dispute. The scammer also continued to call her numerous times a day regarding a payday loan she denied obtaining. Two months later, she was again contacted by telephone by an individual identifying himself as an ?officer?.

?I denied owing the debt and refused to pay without being provided validation of the debt. I was then told, ?If that?s the case, I will have local law enforcement come to your place of business and drag you out kicking and screaming?,? stated the employee.

?It is important for consumers to know their rights under the law,? Attorney General Six said. ?If a consumer is receiving calls from a debt collection company and believe it is a scam, I encourage them to contact our office immediately.?

Under the Fair Debt Collection Practices Act (FDCPA), collectors are required to send consumers a written notice within five days of the initial contact.  The notification should contain  information such as the amount of the debt, the name of the creditor to whom the debt is owed and a statement informing the consumer they have thirty days to contact the debtor in writing to dispute the debt or request validation of the debt. In addition, legitimate debt collectors are prohibited by the FDCPA from making false or misleading representations, such as the consumer has committed a crime, implying nonpayment will result in the consumer?s arrest, or using the threat of violence.

More information is available on the Federal Fair Debt Collection Practices Act at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf.

To register a complaint with the Kansas Attorney General?s Consumer Protection Division, call 1(800) 432-2310 or visit www.ksag.org.

http://www.ksag.org/page/consumer-alert-attor ... collection-scam

I just recieved a similar voicemail from Morgan & Associates stating I or my attorney needed to call back immediately.  If I didn't the caller said he wished me luck surrounding what was going to happen around me.  So I called 760-582-0303 and asked for David kennedy.  He was not in and (both him and the person who answered the phone had a thick Indian accent).  He stated there was 3 criminal counts against me from last yr where I supposedly got a loan of $350 deposited into my account and when they tried to get payment on the loan they couldn't.  I never applied for any loan on line! Now the lawsuit is for $2584.87 and I was been charged with criminal charges. They actually called a friend of mine and said he was a reference and he was being held accountable in the law suit too.  I asked the very rude gentleman questions after he told me the 3 charges against me.  He couldn't give me the date I got the loan or when it tried to be backed out of my account.  He wouldn't tell me how he got my friends cell number.  I told him I was going to research it with my bank and my lawyer and I would get back to him.  He then hung up on me.

P.S. They actually called me from 858-248-4838 but I didn't find any information under that number. I found this page when I did a search on "Morgan & Associates" 858-

If anyone calls you and says they have a lawsuit against you, tell them to file papers through the courthouse in your local county and you will take care of it from there. A lawsuit has to be filed in court. Even if they truly were filing suit, just sending them money would not settle it under the law, it has to go through the court system. They cannot hold your employer responsible for your debt. If they have a legitimate debt, the most they can do is garnish your wages. No law firm is going to call you and say they have filed a "criminal lawsuit." If someone has a criminal complaint against you, you will find out from the police when they come to arrest you, or possibly from your own lawyer.

Do not give them money. Do not confirm or deny your social security number to them. Insist that if they have a lawsuit to file, they file it in your county and you'll accept service of the papers, and the suit will proceed from there. That is the only way a lawsuit can be legitimately filed.

They called me to day. I talked to "Mike Johnson" who had  a very thick Hindi accent and all he would do was repeat that there was a lawsuit filed against me. I kept telling him to file the lawsuit in my home county and I would accept service but I would not discuss it over the phone, especially since he would not tell me who the plaintiff was. He did, scarily, have my correct social security number, but I said I would neither confirm nor deny that. He screamed that criminal charges would be filed then hung up when he couldn't get any more information from me.

You are sadly mistaken this is one big scam do not give them any money you will be sorry. And the God Bless thing is something these scammers say. Everyone needs to not listen to AR's post. DO NOT GIVE THEM ANY MONEY. The phone numbers I found on this company who goes under 2 different law firm names, Cooper Law firm as Well as Morgan and associates the phone numbers that I have for them only one of which they provided me with the other I found researching them and the same idiot Dominic answers I think he was a bit suprised when I called him on his other number. Now neither number works the ring busy. I have contacted the FBI. Secret Service and filed a claim with my local police department, federal trade commision as well as my states Attorney General. These Idiots need to stop and not get any more of our hard earned money. If anyone has any more information about these extortionists let me know I can let the people who are handleing my investigation know.

I received the same phone call from Morgan associates and Dominque saying I had a lawsuit against me for 5,000 dollars and I was been charged with criminal charges. They also said they were going to call my employeer. I got very scared and sent them $350 to settle my case. I'm thinking now it's a scam. What happened to the people that reeived the call and never send money? If anyone can resond, please. I'm afraid I will keep receiving calls from different companies.

this is not at all fake...
uper commnts are fake.. they also called me n "Officer Daniel Richards" saved me from a getting me into an big trouble. god bless them
thanks alot .!

I have received 2 calls from someone named "Officer Daniel Richards" from a Morgan & Associates at my employment.  My receptionist reported to me  he even went so far as to tell her they were filing a criminal lawsuit against my social security number (is that legal?) and they wanted to speak to my supervisor, and also told the receptionist that since I gave whoever they represent (which they would not say) my employer's name as job reference they would hold them responsible for any debt I owe.  Is that crap your what...first of all they gave her personal information regarding me, which I feel is illegal because of privacy laws.  I believe this person has called me before with another name, cause his speel was the very same words as before, i saved the message from this person from a couple months ago and it is the very same person.

I just got a call yesterday also saying the same thing. I go very nervous and almost did it to avoid any charges I used a payday advance company a while ago but thought I had it taken care of.  I have done some research and can find nothing on them. The address Dominic from the company gave me is 1365 Chula Vista Drive San Diego CA 91903. First of all there is no Chula vista drive in San Diego and the zip code is for Alpine CA that is not even in the same county. This is fishy. Be very careful with this. I am going to do some more investigations on this and will post more as I find out.

Call shows up on cell as unknown. Same people I have been receiving the scam phone calls that have to do with payday loans. Foreigners want you or your retained lawyer to call back. Wish you good luck as to whatever unfolds. Same crap, different name and number. Now they are saying they are from lawfirm of Morgan & associates. Called my work and told them not to call here last time they called, didn't work