yep I got the same call this morning...........jack Taylor...............why is it that the middle eastern scammers always have a name like john smith, jack talor, Bill reed,.c'mon at least add some syllables.....how about Kowalsky?.........maybe its too hard to pronounce....."for them"............he insists that he is not interupted while he reads off the "Afidavit"..........complete with file number.........Doc number etc.............I listened to him......told him I would contact US Cash Advance and call him back, he said"Okay then, i will start legal action, nothing I can do for you">>>>>>>>>>>>........I know i dont have such a loan but called US Cash Advance anyway ....they confirmed that I dont have one and told me they are aware of the scam.....and I called him back stating I was a lawyer representing me and they hung up...................amazing!!!!!!!!!!!!!!!!!.....

I got a call today from a man name Harry Furgerson. I was contacted by two numbers one was (904)410-1879. He was asking me if i wanted to settle out of court. I was told it was a Cash advance loan from American Cash advance. The other number was (209)812-2277. This guy was extremely rude and demanded that I pay at least 9,000.00 or I will be arrested for check fraud, refusing to pay and another crazy charge. Then, I called a third time to ask what company that he was with and he replied Brown law offices. I contacted a lot of people reguarding this incident. Then i called a fourth time and the rude b*****d told me that he submitted my information to the local law enforcement and that was serving me with a warrant for my arrest on tomorrow at 11:30am. Also the man said that the police officer would call me with the details for my arrest. Sure enough another number called me and it was a blocked name and number with a man that said that he called from "DUR HAM" in which i live in the state of north carolina and the capital is raleigh and its not dur ham its durham. he really scared me almost into giving him my account number. I mean, This a** hole had my social security number and address and everything. he actually sounded laget. I am going to call my bank and the FCC and also the Federal Trade Commissioin about this. This s*** really have to stop. These people are playing with people lives and somebody needs to do something about this

Harrassing calls saying they will come lock me up. I dog=cussed them and told them I knew it was a scam but they will not stop,

I also got a call--twice.  I did not answer and he left 2 messages.  Said he was "Officer Jackson from the legal office.  AaaaHA!  I knew something was not right at that very moment, then on voice mail said they would seek arrest and action.  Nope!  I did not fall for it, because, real officers do not threaten, they just come and get you.  I have not taken any loans out except for one from my bank.  This will be reported to every agent here in Texas that I can come across.  He did have a very heavy accent, middle eastern? Indian?  That didn't sit well either.

I recieved the same phone call today, From the same Jack Taylor.  I recieved it at work even.  Is definatley Fraud on their part.

SCAM!!!!!!

They keep calling wanting me to pay some money that i never borrow. Or their going to put a fraud on me...

Sorry about the name guys.

I am sad to say the first time they called they got me because at the time I owed. But they kept calling every few months for days at a time every few seconds. They even called where I worked with the same thing. My boss even told them they are not allowed to call there but they did anyway. My husband called the FBI and found out they are over seas some where using a new york exchange so they can't be traced and if you pay you are actually paying terrorist to plan to attack this country.

TO Amber0sia The FBI are trying but with no way to trace right now.

WOW I just received the same type of call, threatening me via an arrest for nonpayment. The ph number is 904-420-1879. These people must be stopped. The man claims to be an officer with an extremely heavy foreign accent. He also stated my last 4 digits of my SS#! This is not good! I have applied for a Payday Advance and received one. So now what, how do they effect my credit? What can I do to help stop this? Sincerely, Amber0sia

This is a scam. "Officer" Jack Taylor calls me and states I owe him money and I sent hom $100 dollars so far and now I find that he is a scam artist. He has threatened to have me fired from my job.

I received this call a few times this person had my account number and everything.  They said it was for a cash advance from Cash America this person named Jack Taylor told me also he was gonna put fraud on me. I contacted my Attorney Generals Office in Florida and also my local Law Enforcement this is a scam!!! These people tried to take $100.00 out of my account today but were unsuccessful because I had a fraud alert put on my account. Do NOT LET THESE PEOPLE HAVE ANY MORE INFORMATION FROM YOU!! CONTACT YOUR LOCAL LAW ENFORCEMENT AND FILE A COMPLAINT!!

I was called by these people today. A man with a heavy accent idenified himself as Agent Johnson with cyber-crimes division and a family member used my name while commiting a cyber-crime and that we would go to federal prison if we didnt pay up. I questioned everything he said and asked to speak with a supervisor he immediatly hung up. After finding where the call originated from I found this website.

I got a call from this number on Wed November 41, 2010, an spoke to a guy name Jack Taylor?.And he told me I owe cashamerica $575, and told me he will need the money by friday otherwise,they will send the police to my house to arrest me, for nonpayment. I also when to Navy legal at the Base, since Im military and they told me it was a fraud scam, I also try to call the people back and found out when the money suppostly when in the bank account, and no info. My bank and the sherriffs office have a legal matter going on for this. He also told me he work for the Financial Crime unit. It sucks because if you are a person thats afraid of this stuff, you will surrender and send them money,  this people need to be stop, I work hard for mine money and also to protect this country, and support mine children. I didnt send any money cause I told him I was going to investigate first, and found out all of this is a fraud or scam to get peoples money. I think th FBI needs to get involved.

I got a call from this number yesturday they were claiming that i owe 800 dollars telling me that i was going to be arrested and s*** they had my ssn and everything what can i do to stop this?

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

A middle eastern sounding male calls and says he is Federal Agent Mike Johnson, wanting to collect a cash advance loan (whether or not you ever took one out). This is definately a scam - no one is going to arrest and the feds just don't get involved in stuff like this. Unfortunately, it appears these people have SSN's, DOB's, etc. It is unk where they got these.