Caller calls himself Sean White from Clinton AL at 205.258.1111.  Threatened to have me arrested and a supena against me for creditors.  He would not give me details to who these creditors were.  He said "they are not attemping to collect the money any longer, but they want to sue you for over $25,000"  Yet, at the end of the conversation, he said "this is one last attempt to collect the amt of $2689.11 otherwise you will be arrested at your mailing address tonight".

Seriously, file a complaint with: www.donotcall.gov. This is outrageous!

I also keep getting phone calls saying I will arrested if I don't pay them back and now I'm getting blocked calls saying that I have two hours to go to my local court house and turn myself in. The funny thing is that days will go by and I won't hear nothing and ten it starts again. What should I do?

he has been calling me for weeks and nothing has happend
he says his name is justion

this shawn white,mike wilson and david hunt all called me telling me i had a warrant for my arrest i would be arrested by the local sheriff for a payday loan these lying pieces of sh#t got me to send over 400.00 dollers to them thinking i was taking care of my loans when they have nothing to do with my loans if i could get a hold of these thieving foreigners i would kick them were the sun don't shine please be aware do not send them a penny file a complaint and tell them to go fu#k themselves !!!!!!!

This is Lori again and i have called 904-630-0500 the actual sheriff in their area and I am filing a complaint with them. These RIPOFFS have my personal information and have threatened me. I would advise if you are being harassed also to call and make a report against this SCUM from doing this to others.

I am receiving the same calls but the name they are giving me is Ronnie Cooper coming from the 904-222-8312 number. They will not stop calling harassing me trying to get money from me saying that I took a loan from these scammers and that a sheriff will be at my door to arrest me?.what a joke. I am trying to report them and have them dealt with because unfortunately for them I DO work for a law firm. PLEASE whatever you do  NOT fall for this and give ANY of our hard earned money to these LOW LIFE BOTTOM FEEDERS!!!!

I KEEP getting phone calls from these people claiming that i took a loan and have not repaid it. They wont stop calling and threating me that the police will come to arrest me. I dont know what i can do to stop this, they are calling many times during the day and i work from home and cannot keep dealing with this.

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

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

http://800notes.com/Phone.aspx/1-951-489-0227

They called saying there are serious allegations out on my social number, I told him I was looking his number up online and they are a scam. He hung up.

I received a call yesterday on my cell phone and on my job from these people claiming that I owed funds for a cash advance and that if I did not pay they were going to have the sheriff come to my job and arrest me. They asked for $475 in payment to avoid being put in jail for 6 months and that it would settle the grievance with the company out of court.  They wanted me to put the funds on a Wal-Mart money card...really?  What company asks for a payment in that fashion? Anyways...I did not give them jack squat.  Downside is that they had a lot of my information.  Just ridiculous, I'm going to make it a point to keep getting the word out so no one will fall victim to this crap.

and for kicks I called them back today to let them know I waited for this sheriff that never showed...their response was to hang up in my face. Guess they got he point that they weren't getting anything from me. Clowns

they also call from 626-384-3266

I have received a call today from a new number 6263843266.  they called me last week from a different number stating he was mark thomas calling from a lawyer office calling me about a loan that i had with cash advance. which i never got a loan with that company. They told me i owe them 1700 dollars or eles i was going to jail and a sherriff was going to knock on my door if i didnt pay. I told them i would have my lawyer call them back. they called again today and i told them that i googled there number and im going to have a cop go to therer door and arrest them for harrasment they now will not answer there phone and if they do they just hang up on me.

I recieved a call from 904- 584-8348. Two guys by the name of Justin grey and shawn white.They both  had a strong accent so i had trouble understanding them. They had said i'm getting sued for non- payment on a loan and if i don't want to be arrested within 24hr for me to make a western union payment for $600. I made the mistake by putting my information on line when applying for a loan. I knew this was a scam so i didn't go along with there request of payment. THEY HARASSED ME AND WAS VERY RUDE. Some thing should be done about these guys. Don't make the same mistake i did and put your information on-line.This all is very scary these guys know my address, full name and my last digits of my social. If anyone has advice on what  steps i should take please reply.

I'm reading this and i wanted to ask you some question.. This person Shawn White called me today and I told him that his lawsuit or the company he is "representing" is full of s*** and that he indeed was and is a scammer looking to scare me out of 300 bucks.. My only problem is he had a lot of my information and  I was wondering how I should go about these people harassing me knowing they have my info or how you went about it. I contacted my local police department and SSI already and I'm charging some other info

A guy named "Mark Palmer" or "Mark Thomas" keeps calling me saying that he is from the "State Investigator's Office" and I owe money for a cash advance loan and that I will get arrested if I do not pay them or have my lawyer contact them.  I told him to send me information and he told me that he had to transfer me to his "Supervisor Lawyer" and that's when the threats came about hunting me down for a supposed $362.... these people knew the last four digits of my social and my mailing address which is a PO Box, I was not convinced and told him to stop calling my phone...I hope no one falls for this, because they are far from convincing and when you call them on the BS they become very rude!!!

this guy named mr williams called and said if i didnt pay up i would be raped and a long stick would br\e rammed into my c***. this scares me to the point i cant sleep at night somebody please catch these b*****ds and lock them up for life

I didn't recognize the number on the caller ID and so it went to the answering machine.  He had a strong accent so I didn't understand him very well, but stated he was from the state investigator's office and needed to contact someone (Left the person's name and last 4 of their social security number). The subject was on a lawsuit they had filed.  I called the phone company to report this and they hung up on me! Wonderful. So I have no other advice and hope they do not call me back.

Just got a call from Shawn White at this number.  I wish these scammers would stop calling me!  I made the mistake of applying for an online payday loan and now they have my information.  Whatever you do, don't make the same mistake I did.  I wish I knew how to get rid of these people!

I have received multiple calls from this number stating that they are a law firm and that I am being sued. I just received a call from a man named Justin Grey. He gave me the company name and address, but I don't know if it is even valid. I need to know how to stop these harrassing phone calls.

i just received a call from huy name Justin Grey, the worst thing he know my last 4 ss numbers threatened, said i'm being sued and i should wait for someone to come by my house and arrest me  how do i stop this??

This guy told me the same thing, he left a message on my phone saying he was a state investigator and when I called the number back he told me it was a law firm. He did have my social security number and that worries me.

This guy call saying his name was "Jeremy Gray" that he was from the state investigator that they where investigating my social security number that there was a law suite asking for my lawyers information that they where going to arrest me

This guy called me (didn't left his name on my voicemail) with a strong accent.  Half of the time I couldn't understand this guy because of his accent and the phone was cutting off whatever he's saying.  I already knew it was scam.  They should be caught!  This is getting very annoying!!

This guy named Shawn White called me and left me a message at work stating I was gonna get arrested for not paying a cash advance loan, stating there was a lawsuit files against me in my state, I knew it was a scam right off the bat and called him on it, he ended up hanging up.  These people need to be stopped.

this calling # 904-222-8312 my job . told my co-worker he is the state investigation burea.

I have been harassed by Shawn White and Oscar Smith who I think are one in the same. I got scared because I did get loans so I got nervous about this until I read this messages and checked my accounts. Yes this is a scam and I will not be harassed any longer. Thank-you all for your messages.

omg! this guy shawn white called me and left a message telling me i have an arrest warrant out on me! he urges me to call otherwise be prepared to have sheriff come to my home and take me to jail for 90 days. what the heck??? I am NOT calling him back, if he thinks it sounded legit he is mistaken....

Unknown Name popped up on the caller ID. Did not pick up but the answering machine did and they left this screeching, high pitched message. No voice but machinery type sounds. These are scams. Call the Florida State Attorney General and report this to them.

have received 4 calls from these people. i called them on their little scam and ask for info to this company. information given to me FAKE. talked to 2 different men which sound to be from India, with names more american than mine!

Stop scammers from preying on unsuspecting people.