Officer Robert Williams badge number 2307 called me threatening to put me in jail for fraud. He did not say what company he is with. He has a thick indian accent just like the supposed Officer allan taylor in the previous complaint! Someone plese catch these guys and put THEM in jail!!!!!

Officer Zac Austin contacted me today 10/13/2010 about owing money to a loan company and it is the same guy from previous complaints he has a Indian Accent. The guy said he will be coming to arrest me in 30 minutes if I don't pay the government the money. The man also told me he would tracking me until I pay the money.

I got a call today from Office Brown with the same accent.  Did not say what company he was with but left a long lengthy message saying that if I did not respond to his call it would be considered as if I did not care.  These people are probably from overseas trying to obtain money that is not rightfully theirs.  Not that I have any that belongs to anyone.  Don't know why they are calling me.

officer Allan taylor called me for months from 914 412 5354 talking that same shtttt yall talking bout yeas someone stop thier madnes cause im pissed

I got the same number on my phone and dont remember the name he used but he said the same thing you guys have said.Basically I did some research and alot of these indians guys work for collectors in a sense so if they dont get people to pay back loans or any kinda debt they may owe then they dont make commission.So they pretend to work for a court house and try to trick people into getting scared and hoping that they will pay them money.The same guy has called me from multiple numbers claiming to be 4 diffrent people LOLLLLLLLLLL.They even called my moms number and started talking s**t and my mom threatend to call the cops on them.They are just a bunch of idiot indians who dont realize that there so called means of trying to collect debts or whatever is 100 percent illegal.So with some more research i will be having a case against them.SO ALL IN ALL DONT WORRY.THEY ARE JUST A GROUP OF INDIANS TRYING TO GET PAID EVEN ILLEGALLY

I received a call from officer Robert Stevens who said they were coming to my job to arrest me for some type of fraud. I am so glad I am not the only person being stalked by these nut jobs. If they call me back I swear I will turn the tables on these idiots.

I just got the same call from Jack Austin. I would like to use all my skills and resources to get these (uys. I called all the federal agencies (reported the name and number) and I went to my local police station and had the police to call them and they did not answer, second time I had the police call from his cell number, as soon as the officer stated his name and badge number Jack Austin hung up the phone. I have called a couple of my creditors and one of them said that a few of their customers are calling complaining about this. These people have hacked into a database; they had my ssn, and banking account information. Please change your bank information!

I too got a call from an indian accented Jack Austin, Claiming to be an officer. I couldnt reach him at an area code 303 number he left me, so I called the 9044029930 number and bingo, He wors there and is going to call me back in 15 minutes ! I am going to give him a little run for his money now that I know its a scam LOL   Cant wait for him to call back !!!!

they called me from a number that didn't even have the full 10 -digits in the caller id it said it was out of MN. I let it go to voice mail twice. Police officer Alan Taylor (with an indian accent) said tha I needed to give him a call and the number he left was the one above. If he is a real debt collector the 6 minute voicemail would have been reduced to a 30 sec voicemail.  I called them back and they hung up (mind you the phone number shows out of FL). They hung up on me twice -- so thats that.

They called me and im like what i cant even afford a loan i applyed an got trun down so many times and they said it was in my account an they are taking me to court at 10am and said do you want to pay or go to court i said court cause i didnt get no money i need money g=have no job and have a child its hard.I clean never did anything,but im wondering if they are using my ss number to do anything with since the have it and what should i do

Just got a call from this number claiming to be from a Federal Criminal Investigation department, I got the name Officer Mark Johnson from a person who you could easily tell's first language was NOT english. The fact that they are likely impersonating a federal officer is highly illegal and I plan on taking legal action against this group.

I got the same number on my phone and dont remember the name he used but he said the same thing you guys have said.Basically I did some research and alot of these indians guys work for collectors in a sense so if they dont get people to pay back loans or any kinda debt they may owe then they dont make commission.So they pretend to work for a court house and try to trick people into getting scared and hoping that they will pay them money.The same guy has called me from multiple numbers claiming to be 4 diffrent people LOLLLLLLLLLL.They even called my moms number and started talking s*** and my mom threatend to call the cops on them.They are just a bunch of idiot indians who dont realize that there so called means of trying to collect debts or whatever is 100 percent illegal.So with some more research i will be having a case against them.SO ALL IN ALL DONT WORRY.THEY ARE JUST A GROUP OF INDIANS TRYING TO GET PAID EVEN ILLEGALLY

This just happened to me and now i am hararassing them - they dont like it at all

In two different time I had received a phone call from these people and informing me that I was being sued, When I asked them if they are lawyers, they claimed that they are and states "I worked for the ACLS Legal service, by the name of Eman Watson and or John Mccoy". Obviously they are using Americn names but the accent cannot deny it that they are a bunch of idiots INDIAN ACCENT. These unscrupulous people thinks that all of the people they called believed on their scheme. During my 2 separate conversations with them, I had asked them as to where is their office located, one states that thier office is in NY and I have to go to NY to settle this. While the other was startled when I had asked him. My comments were: "Look if you are real lawyers or works for legal service and federal government, No lawyers will call an individual to discuss these legal issues via phone, otherwise a summons or subpoena will be issued and or a warrant of arrest based on the severity of the allegations/crime committed. These two idiots get irritated and will tell you a bunch of hog wash such as: Your social security is being investigated and you need to settle it now. I told these idiots: Send me that paper works and I will consult my own lawyer. As soon as I mentioned "My lawyer, all of a sudden their telephone became static and told me thank you for calling! then hang up the phone. When I called them back they denied that the person by that name is not in their office. Then I called back again, Oh they get so irritated and states: The policeman in your area will get a hold of you. WHAT A FOOL!

They just keep calling And say the police and all my stuff is under investigation

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.

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

so they called me back and I spoke to alan taylor, john matthew, and Jack Austin -- they got so annoyed with me because they couldn't tell me the department and name of the court house they were calling from. They told they were based in NY but that their calls are being forwarded to FL. That I'm a criminal -- didn't want to give me their address -- stated that Police Officer Alan and Jack don't have badge #'s cause they are not police officers (keep in mind this guy sounds the same). Anyway they put me on hold for awhile and I hung up, don't have time to waste on this foolishness.

But it made for a good laugh.

They have called me with many different numbers, saying that they are with the Federal Govt and that my social security number will be blocked and that they are sending the police to arrest me that night. They do nothing. It is LIES. I called my police department to see if they were coming to arrest me, if ANYONE was coming to arrest me and they said no that these people are trying to 'fish' to get more information. They told me they were with Attorney General in California. TELL THEM NOTHING.
A real debt collector will tell you who they are working for and give you a land line telephone number and a bonding licence number so you can check them out with the BBB.

this person called and said the police is coming for someone at my house they have a crimal case on them what can i do