Got a call to my work phone.

Been receiving phone calls for about a week from this number...can't understand the dude but I know the name he's given is an English or American name and he certainly is not that.  He said to call back or he would contact my employer, references and local police department.  Have at it...I work for the Police Dept....I figure if they had anything on me they would certainly send me something certified, but that has not happened.  At the end of the message he says, you will spend the rest of your days behind bars...ummm, I think not.  And then he starts humming, like he's meditating.  I'm not playing his game much longer before I report them.

These people keep calling me on cell phone, my mother's business phone. How do I stop them?

John Allen called me.  He said that I had committed internet fraud and that I would be put in jail.  he told me all of my personal information and when I had a detective call he gave him all of my personal information without knowing who he was giving it to.  Now if we are a law firm, I think we would know about the privacy act.  Anyway, I have filed a police report to cover myself.  My husband called them today to tell them to stop calling and he said he was going to sue me.  My husband told him to just sue me but to stop calling.  He told my husband I would receive 2000 calls a day from them.  I think I will do as stated above and keep calling him back.

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

http://800notes.com/Phone.aspx/1-631-456-4041/2

I have been receiving phone calls from this group since late April / early May of 2010.  There is a good chance that they also attempted to contact me roughly two years ago before I entered into Chapter 7 Bankruptcy protection, as I faintly remember hearing the same script more or less.

As others have stated, the callers are difficult to understand.  Generally speaking their command of the English language is quite poor and their accents are hard to follow. At times they will get certain words or phrases mixed up.  It would be funny if it wasn't for the fact that they had:

a) Your SSN
b) Your home address
c) Your work address
d) Your banking info
e) Names, numbers and potentially the addresses of "references"
f) A complete and total lack of ethics and a basic understanding of the FDCPA.  

I have personally filed reports with the following agencies, often with limited (if any) success:

Local Police
my state's Attorney General's office
FTC
FBI
Secret Service

Generally the local police won't be able to help much.  The callers are using a combination of prepaid cell phones and VoIP, making them difficult to trace.  Also at their disposal are various spoofing tactics being implemented to catch people off guard - meaning the number that appears on your Caller ID isn't the number that is calling you for starters.  Without gaining a subpoena for the billing information for the numbers in question, the local police won't be able to get very far.  

My state's Attorney General's office couldn't offer much assistance either.  I received a form letter in the mail that my complaint was received and I would be contacted if they needed additional info.  It was more or less the same information I obtained from the FTC.  They each advised me not to give the individuals over the phone any account information or to authorize payment.  That's just common sense, though.

I never got anything from the FBI, either.  There is a good chance that since I haven't suffered a monetary loss that my concerns are low on the totem pole.  I hate to say this, but that is truly the case. Unless you were in the hole for a $1,000 (or more) you aren't going to get much more than "sorry to hear about your situation, change your phone number and move on".  I seemed to get some activity from the Secret Service.  I spoke with agent Doug Zloto. (Google him, referencing threads like these plus his name and you'll find his number also)  He seemed to care a bit more than the average person, but after giving him access to my Google Voice account, there has been no further activity from him that I'm aware of.

In the meantime I changed the wireless number the fraudsters had access to, they have no direct way to get a hold of me.  (Calls at work have ceased for some reason)  That in turn resulted in my "references" getting phone calls from the crooks.  Here is a word of caution for women that have been getting these calls - don't say anything and just hang up.  The callers are quite abusive towards women callers.  Why?  Possibly the culture.  If they are Indian / Pakistani, women are second class citizens there.  You will be treated like garbage.  This happened to a family member when she was trying her best to be extremely nice over the phone.  

The callers currently attempt to reach me through the female family member and an unused Google Voice number that they managed to find of mine.  I keep the Google Voice number open because, well, I can't delete it yet.  So, about every day, 4-5 times a day for the last week, I get voice messages from them.  It's usually just two full messages though - the other calls are broken up with static or they are attempts to read the script until the callers then screw up.  Really, they are that adamant on getting the script 100% that they will hang up mid-sentence and call back 30 seconds later.  

At this point it's a stalemate with these people.  

1) While they have the lion's share of information on us, they can't really do anything with this information.  

Why?  Think about it.

If they were to ever take funds out of your account without authorization, it's fraud and worse (for them) it is traceable.  That's why they won't do anything with your information, contrary to threats they make.  The money from your account has to go somewhere, and either your bank or a law enforcement agency can determine where the money was routed.  As a bank customer you are protected - you'd get the stolen money back in your account after 7-10 business days and the bank would be temporarily out the funds deducted from your account while they conducted their investigation.  The bank, along with law enforcement, would track down the fraudsters and apprehend them.  The fraudsters do not want to incur the wrath of a bank, just extort money out of you.  Remember that.    

Your authorization would absolve the bank from any and all liability, leaving you holding the bag.  Never give them authorization for anything - for all you know the call is recorded.  

2) We have no information on them.

Seriously, this has been going on at least since 2008, possibly longer than that based on some accounts. (6 years??? Holy crap!)  You would think someone would have slipped up by now.  Sadly, they haven't.  We can continue to grow our own intel on them and compile lists of aliases and phone numbers used, along with paraphrases of scripts used in order to educate other victims.  I'm actually putting together a site now in the meantime where I'll host audio files and lists of previous numbers used.  800notes.com is great, but no two calls are exactly the same.  It would be nice to have a site dedicated to the scam and how it works.

So that's where I am with these calls.  I have suffered no monetary loss, though I have been harassed both at home and at work.  They threaten me with arrest and other "fun" things in order to get me convinced I have to pay them.  My friends and family have been targeted and local and federal law enforcement agencies haven't been able to put a stop to things.  So, it is what it is.  I am out a wireless phone number I had for roughly six years, which is terrible since I was using that line when looking for a new job.  

Whenever I'm bored I spoof my number using Google Voice and return the calls.  I've called them the poster children for birth control, etc.  Basically a lot of nasty things that I'm sure the moderators here wouldn't appreciate me repeating - bottom line nothing nice.  I always like to close saying their parents must be real proud knowing their sons weren't man enough to get real jobs.  That usually gets a decent response.  

Way I see it - they can't do anything to me. (Despite a threat yesterday that my life would be f'ed up)  They can threaten all they want but my credit is frozen and my bank information has changed.  I've changed the only number they could really access me directly on and I've instructed my employer and family to not answer the calls.  I just call and harass them now when I find a few extra seconds.  What's the worst they can do to me?  Charge me with harassment?  

Nope, then they would have to identify themselves.

Oh, and don't bother contacting Cashnet USA about the calls.  Their "fraud" department could honestly care less.  Their "investigation" is merely a means of buerocratic CYA.  I would even be surprised at this point if actual law enforcement is involved in any shape, way or form at this time.  

There is a good chance that the information these crooks have on us was obtained from Cashnet USA - either from a database leak or from a collector that was once authorized by Cashnet to call on delinquent customers.  The other chance is they have access to Teletrack, and pulled all of our information off of there.

http://800notes.com/Phone.aspx/1-646-274-1143/3

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.

PS--The FBI sent out a Press Release on this scam just last week:

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.

Some fraudsters have instructed victims to fax a statement agreeing to pay a certain amount, on a specific date, via a pre-paid Visa card. The statement further declares the victim will never dispute the debt.

If you receive these calls, do not follow the caller?s instructions. Rather, you should:

Notify your banking institutions.
Contact the three major credit bureaus and request an alert be put on your file.
Contact your local law enforcement agencies if you feel you are in immediate danger.
File a complaint at www.IC3.gov.
Tips to avoid becoming a victim of this scam:

Never give your Social Security number?or personal information of any kind?over the telephone or online unless you initiate the contact.
Be suspicious of any e-mail with urgent requests for personal financial information. The e-mail may include upsetting or exciting but false statements to get you to react immediately.
Avoid filling out forms in e-mail messages that request personal information.
Ensure that your browser is up-to-date and security patches have been applied.
Check your bank, credit, and debit card statements regularly to make sure that there are no unauthorized transactions. If anything looks suspicious, contact your bank and all card issuers.
When you contact companies, use numbers provided on the back of cards or statements

http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710

Just got a call from a male with a heavy middle eastern accent. Asked me if I knew a person by name. When I acknowleged that I knew the person the accent got thicker and he was telling me that this person commited some type of cyber-crime using my name. Identified himself a David Scott sounded like a fake name, claimed to be American Law Offices.

This do***ebag just called my cell phone twice. The first time he asked for someone I'm related to but haven't had any contact with in 5 yrs. The second time called me by me full name and told me the person in the first message has broken the law by not paying a loan and that I'm going to be in trouble with the law if I don't pay the loan that person has taken out. Duh, I've had no contact with this person, didn't take a loan and I've had the same number forever. I hope this douche doesn't call me anymore, but from the post other ppl have made he's apparently a harasser. He does have a heavy foreign accent and it hard to understand most of what he said. Is there anyway to get this guy to stop calling ppl. My number is on the do not call list.

I got a call from the same guy on 2/17/2011 it was very upsetting to me until I did a little research and found out all these other people have gotten the same kinds of calls from him. So I decided to do a little calling today. I phoned him and told him that I spoke to the DA in my state and that they didn't know anything about what he was talking about but I gave the DA his name and number and that they would be in touch with him to find out what was going on. All he did was kept asking what my name was and I asked him why he needed to know that and he said "because you are a f***ing b***h and I told him he wasn't anything but a scammer and he hung up on me. I waited a few hours and called back and asked him if the DA had called him yet. He kept asking my name I told him ok we can play this game you tell me your real name and I'll tell you mine. He then said his name was Eric something I said really because yesterday you told me your name was James did you go to court and get it changed over night. All he kept saying was who is this. I told him oh its ok for you to call and scam people but when they do it to you you get all pissed off. He hung up again. I am giving his number to everyone I know and they will be calling him also. If you want him to stop calling you try this. Don't give him your name if you give him one just make one up. One friend of mine called him and told him she was from some pay day loan place and wanted to know how much money he had collect for her this month. He hung up.

Same guy kept calling me saying his name was James Stevens....with a HEAVY indian accent...come on..... JAMES STEVENS!!!!  maybe Abdul something or other, but freakin James Stevens.....what a dumbass!  Then when i talked to him he said his name was Gabriel something or other. After he called my wife, and my work....i filed a police report, then called him back and asked him who he was and he got all pissed off at me, started yelling, then hung up on me.  So i called him back, and once again, he just started yelling and hung up!

This jeffry scoot is not even knowing english, he doesnt know the how to spell scott and law he has written scoot and low.. I have found out that these people are calling from pakistan. We collective need to report to FBI and get those "B*****D" arrested.

Report this people to FBI. Cause these people keep on calling and harrass us.

As others have reported, very rude and threatening when he left voicemail on my cell. He also called my work but it was my old extension and he harrassed the girl who is there now, told her that i had better call back, or have my 'retained counsel' call back, because if i didn't he couldn't be responsible for all the sh** that was going to rain down on me. I don't even have a payday loan.

I just recieved the same call today. The man was very rude. I have recieved the very same call last summer. I have ask what the purpose of this call the man stated he was not going to tell me, because he did not like my tone of voice advise me to see what happens to me in two days. I have reported them to the cops and BBB.

Same here. I have had the same people call me and harass me from Florida and California. I live in North Carolina! These callers are claiming to be attorneys and they do have alot of my personal info such as my SSN, physical address and bank account info. It scared me only for that reason. I knew that I did not owe anyone money from Cash America. I am a "5-0"  and I had to put my Lt. on the phone because the callers would not stop calling. I know that this matter they are claiming is a 'civil' matter, not criminal. They refuse to suppy any paper documentation. Be cautious. I reported the scam to the FBI in Miami as this was the last place I was able to track the number. I encourage you all to do the same so we can put these real criminals behind bars.

Exact same thing is happening to me. Same guy as well. He has a heavy accent and it's somewhat difficult for me to understand what he's saying. He asks for someone named "Janis."

A foreign man called both my cell phone and my business phone from this number.  He was extremely agressive, angry and verbally abusive stating that I owed $300.00 for a payday loan that I had not paid back.  He threatened to call the police, etc.  When I explained how a payday loan is repaid through a checking account, he backed off.  I also told him that if I owed money that he send me a bill.  He said, "I can't do that."  He asked to speak to my HR dept. and did I have a legal dept where I worked, etc. etc.  It was a VERY upsetting way to start my day!  He stated that his name was Michael Fuller - the attorney was Mark Brown from California.

I am starting to receive calls on both my cell phone and place of business from a man with a foreign accent who claims to be from American Law Offices.  He says his name is Eric Williams and his number is 858-769-4201.  He says that my social is under state investigation and if I do not return the call them my fate is left in my own hands.  He demands that my attorney call him back to find out more about the investigation.  I have had recent payday loans so I am sure this is where he is getting my information from.

jeffry scoot is a sleazy scumbag scammer shill.

THIS IS A SCAM. Scammers pretend to be law enforcement (police, sheriff, Feds, AG's Office, fake cop agencies with made-up names) and using bought/hacked loan application data to extort your personal info (ID theft) or fines for fictitious crimes.
The real DEA warns about fake-DEA extortion scams here http://www.justice.gov/dea/pubs/states/newsrel/2010/denver111010.html
The real FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The real FDA warns about fake-FDA extortion scams here http://www.fda.gov/NewsEvents/Newsroom/PressAnnouncements/2009/ucm195814.htm
The real FDIC warns about fake-FDIC extortion scams here http://www.fdic.gov/news/news/specialalert/2010/sa10131.html
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, as appropriate.

American low office 858-769-4201 its a triable its working good and safely

THIS MAN CONTINUOUSLY  CALLS ME AT MY PLACE OF BUSINESS. I HAVE REPEATEDLY INFORMED HIM THAT IT IS A BUSINESS NUMBER AND CANNOT BE USED FOR PERSONAL CALLS. HE REFUSES TO STOP CALLING.  HE SAID THAT HE WAS "AN OFFICER AND WILL  ARREST YOU AND YOUR MANAGER"   WHICH IS IMPERSONATING AN OFFICER AND ILLEGAL.  HE CONTINUES TO HARASS ME AT WORK. MY COWORKERS HAVE SPOKEN TO HIM AND ADVISED HIM THAT IT IS A PLACE OF BUSINESS. MY SUPERVISOR TOLD HIM THAT IF HE CALLED AGAIN HE WOULD REPORT HIM FOR HARASSMENT. HE ASKED FOR THE MAN'S NAME, COMPANY NAME, COMPANY ADDRESS, AND  OTHER INFORMATION, BUT WAS REFUSED.   THIS HAS BEEN GOING ON FOR 2 WEEKS. HE CALLS,  AND CONTINUES TO CALL, HE GIVES A DIFFERENT NAME EVERY TIME...JAMES, KEVIN. HE HAS A FOREIGN ACCENT AND IS THE SAME PHONE NUMBER AND SAME CALLER EVERY TIME.... MORE THAN 7 TIMES IN A ROW, REPEATEDLY.  WE ARE DOCUMENTING THE INFORMATION AND FORWARDING IT TO THE POLICE.

This company called American Law called me on my cell and work phone, he stated that i received a paid day loan and i could be put in jail or if i am on probation i can be vilated. he said they were going to take me to court and i would go to jail. However i never recaive any paid day loan. when i asked for more info. he said no wheni demand the info he told me to go to shut up. then hang up. reader be ware