I received a call at my job from these people saying I took out a loan in October for $300.00 and now he said it will cost me $6000.00 I did not receive any loan from these people. I have done some online payday loans, but not from this company. I told him when you do an online loan the paymnt comes from your checking account so If I had a loan with these people it would have been collected. the caller said he is going to call my employer and send this information to them. he also stated that I will be going to jail for 6 months.

Who are these people?

F*** you mother f****r you aint getting s*** from me kiss my a** hahahah bi***

TRACY YOUR A LIAR YOU ARE WORKING WITH THE SCAMMERS CAUSE YOU CANT TYPE ACCURATELY DUMB A** YOU MUST THINK WERE STUPID

IM F**KING TIRED OF THE GOD DAMNED CALLS THEY ARE SCAMS AND HOW CAN YOU SAY THAT MAYBE WE DONT HAVE MUCH MONEY DUDE ITS YOUR PPL CALLING US TRYING TO EXTORT MONEY OUT OF US. I HAVE REPORTED THE NUMBER TO THE FBI THESE SCAM ARTISTS ARE CALLING MY PHONES HOUSE AND CELL AND MY HUSBANDS WORK FOR ME AND HIM WHEN HELLO HOW THE HELL CAN I GET A PAYDAY LOAN WHEN I DONT WORK IM A FULL TIME STAY AT HOME MOM???

To the previous post. I agree that the person talking about we owe the money (that person is the real scammer). I have been receiving these calls for years now. They start by calling my cell phone, then my work place. Thankfully I have a boss who hangs up/goes off on them. I really hate it for people who can't say the same for their jobs. I really wish their was a way I could stop them but I won't give up trying. I know their is a way and you can bet I will find it. So don't think you have gotten over just yet because you days are catching up with you. However in the mean time you wont get any money from me You non speaking English Scammers!!!!!! My advice to my fellow Americans is to only communicate with Americans who actually speak English. No offense to the ones who don't speak English but to those who are trying to scam the honest working people.

So I keep getting calls from different numbers with the same script. These people 1) don?t speak English very well which leads me to believe it?s a scam and 2) these people never change their scripting. Kind of funny. I have contacted my lawyer and the police and now I am going to the FBI to get these people locked up for good. I am tired of the childish calls and the threatening. Needs to STOP.

These are the phone numbers that these idiots are using to call people and threaten them about stupid payday loans. I keep track of every bill I have and a payday loan is not one of them.

They are using the phone numbers:
(775) 410-1816
(904) 270-9983
(661) 347,6367
(661) 347,6365

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

Hey Tracy-Learn Proper English and Grammar!!  Not familiar with the English language.  WHY???  Because you are one of the low life scammers!  Get a life and a real job!

they just f****d with the wrong girl s*** I am going to turn around a sue them.....

I just contacted the real stone and associates I filed a compliant with the FTC about these stupid people, what a bunch of dumb a***s! do not ever threaten me again............

Yes, this is a scam...and I feel VERY bad for the people out there that are going to believe these foreign idiots on the other end of this call!!!!!!

DO NOT give them any personal information!!!

"Tracey" - Liar, liar, pants on fire!!!!!

Believe me they are a BIG SCAM... They will threaten you with legal action and tell you they are going to send the police to your place of business... DO NOT give them anything. I work for a collection agency and these people have gotten info from the internet when you apply for a PayDay Loan.. They are not legit and the FBI is investigating them! PLEASE BE WARNED

how can u say tht its a scam.they send me all the legal documentation to me and they have also help me to get rid out of this legal matter.so i knw this is not a scam and this is a legid company.........

Thanks, this was very helpful :)

These jerks just called me.  The first call I picked up not realizing who it was, I asked the woman who spoke a very strong indian ascent who she was and I couldn't understand anything but that she was with a law firm so I hung up on her!  I then got 4 calls in a row and didn't answer.  I then got another phone call but this time it was a man with an indian ascent who said he needed to talk to me.  I told him to stop calling my phone and told him he had the wrong number and so far I haven't received a call back.  This is definately a scam!

Learn how to type english!! YOUR THE SCAMMER!!!!

That is a real law firm but they are not contacting you. These are low life's impersonating lawyers that are too sorry to get a real job! Need to go back to where they came from . Contact "the real" Stone and Associates and they will tell you all about these morons and who to contact to get them handled. For starters try the FBI and your local law enforcement. If you have paid them you better get a lawyer!

Ok everybody NEWS FLASH! These are a bunch of wet backs impersonating lawyers trying to scam you out of money. They left me a message and I returned the call. They say that they cannot tell me who their client is that is going to sue me. Duh! There is no client. It's these low lifes who soon will be going to pick up soap soon! Contact your local authorities and give them this case # 2011-293-26 for the Jacksonville, FL. sheriff's office. At this point the GBI, FBI, FTC, and Better Business Bureau have their information. Eventually if you screw with people long enough you run across one like me and you get to go pick up soap for Big John. Bet he will love that accent! These guys will make great girlfriends! Oh and by the way give Stone and Associates a call. They would love to hear from you b/c they will tell you these morons are a scam and they have no affiliation with Stone and Associates! I dare these low life's to touch my accounts! Any of them!! Per the FBI one way they are getting info is from the payday loan site. Don't worry this will all end soon everybody. Help is on the way!

Hey u folks .. how can u pitch such comment ,. thats very shocking ,, u must be kidding that this is a scam .. i think may be u dont have much money to pay of urs debt hence u may be frustrated.. This is one of the legid company in the whole USA.

I received a call from Stone and Associates Lawfirm from this number and the attorney of that lawfirm helped me out by accepting my payment of $1251.32 on Jan 9th 2011 and they even sent me settlement paper works and receipt of the payment on Jan 11th 2011 which I made to them and now I am free that I dnt have to face any consequences in the court..

They started calling me and my husband last night stating that he had gotten a pay day advance, not repaid the loan, and he is now being sued.  First of all we live in ARK and court is in NY and they want us to go all the way there for some BS!!  I told them today after going to the bank to find out if for some chance maybe we did get such deposit in our bank acct.  And in fact, there was no such amount deposited.  The problem that led me to believe that it was a scam is that they were giving my husbands personal info out over the phone.  And if they were a true debt collector they can not legally do that whether he's my husband or not!  So I called the Attorney General's office here and the girl told me to fill out a consumer complaint form and then told me to give them as much info that I could on this place that kept calling me!  I'm also going to call the law firm that they are stating that they work for Blanch Law Firm and talk to them about this  girl that I spoke to stating that she was an attorney!  I also looked on the NY State Bar Association's website and she's not showing to be licensed in that state!  Good luck to everyone who is having the same problems as we are and I suggest going to your attorney General's office with the info...it's free to report them!

We've been getting calls from them for months now. It's always the same guy with a different name. The number they are calling us at is a multi-user work line. One of our employees here took out a payday loan, and they are claiming that there is now a lawsuit against her even though she has paid it back in full. They gave me sensitive information that a real lawyer (as the caller claimed to be) would never give out over the phone to someone who isn't even related to the person they are trying to reach. We have asked that the information regarding the lawsuit be faxed so that we can verify it, but they refuse. When I confronted them, I was accused of not listening (to which I replied, "You're right, I'm done listening to you until you send the information to us"). Then I was told "OK then, my agents are going to call you 100 times a day" and was hung up on. Yeah... you sound like a real lawyer. This is scam.

idt from PayDayOne.  He stated he had a case pending against me.  Gave me 646-434-2472 to call back regarding this legal action.  I called it back and spoke to Erika.  She stated I had money deposited into my account and that I had not paid it back.  I told her there was no money ever deposited into my account, therefore, no payment due.  She also said she was going to contact my bank  I said no, she was not going to contact my bank, I told her I would have my bank contact her.  She said I could have my attorney or my bank contact her.  I told her I would have my attorney contact her regarding my suing them for harassment.  This is a huge hoax, I will have my bank and my attorney call them.

Its a scam guys,they are trying to take all your informations,dnt give them any of your card informations.They have a very heavy Indian accent.