I received a call from 707-737-0206.  They left a message and asked that I call them back at 910-300-7196.  Said that I was approved for a 2500.00 line of credit.  Of course I will not be calling back.  It seams from reading the notes on this, they have now changed their tactics.

I received the same call this morning.  They left a voice mail message.  The call came from 707-737-0206.  I deleted the message after checking the 910 number on this website.

got a call from (203)909-6115.  asked me to call him back at 910-300-7196.  said his name was john cadner from money on goal to tell me that i was approved for a $2500 credit line and a loan

spoke with accent stating i am eligible for a loan for 2500.00 from money on goal. my number is on do not call registry also

Getting a call from this number twice a day. I call back and it instantly disconnects.

SOMEONE FROM THIS NUMBER CALLS MY PHONE ALL DAY LONG..WHEN I ANSWER NO ONE SAYS ANYTHING, WHEN I TRY CALLING BACK IT SAYS IT'S DISCONNECTED..THEN TODAY I ANSWERED THE PHONE AND SOMEONE WITH AN ACCENT SAYS HELLO AND I IMMEDIATELY TELLS HIM TO REMOVE MY NAME AND NUMBER FROM HIS LIST AND HE STARTS TO ARGUE WITH ME AND HANGS UP THE PHONE..SO WHEN I CALLED BACK I ACTUALLY GET THROUGH THIS TIME AND HE ANSWERS THE PHONE SAYING HELLO...WHERE THEY DO THAT AT???????? WHAT BUSINESS ANSWERS THE PHONE BY SAYING HELLO??? ANYWAY I START TO ARGUE WITH THIS STUPID MAN AND HE'S USING ALL KINDS OF VULGAR LANGUAGE AND I DID TO..SO I TELL HIM JUST TO REMOVE ME AND HANGS UP...WELL HE STARTS CALLING MY PHONE BACK TO BACK...SOMETHING NEEDS TO BE DONE ABOUT HIM..I'VE READ ABOUT PEOPLE LIKE HIM AND WAS TOLD BY A FRIEND TO REPORT THIS TO THE FEDERAL TRADE COMMISSION, AND THAT'S EXACTLY WHAT I'VE DONE!

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years.

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

Please be warned that majority of these people are calling from American Based phone numbers. When I called back, there were alot of people on phones and you can barely here them. Sam Cooper 480-463-1613, im on the phone right now. Hes flirting. US cash adavance, not  Law firm. They have been calling me all day!!

First I got a  call from 13108949405 clamied to be with comsumer credit or somthing like that she sounded asian or indian.Then This # called several times but always hung up several other  #s also called then hung up.

This phone number called me at 5 in the morning... It woke up my two sleeping children. I'm not a very happy camper about this. I didn't answer so like any normal person... They called back a second time at 5:02. and a third at 5:02 again. By this time, I just unplugged my phone.

They keep calling me asking for someone else. I told them they have the wrong number but they keep calling.

They called and said nothing just sat there then hung up

Nothing we can do about it FTC informed me that they are operating outside the country

keep getting calls at home and work from same person (michael) claiming to be a Pa  and need to contact them in reguard to law suite file agenst me. if i dont replie  by 5:00 i will be sorry.

He uses differwent phone no.s to call from.

Received a call from this # about 50 minutes ago. I was in my kitchen making dinner so I didn't bother to pick up the receiver. Checked my phone, no message. I will not call back after reading these posts. Let them waste their time and minutes its not my money! Thanks to all for the info.

Good luck at that!! Benn there, done that. The phone number is ported through 7 different states and the final number is out of the country. You have no jurisdiction nor will you be able to find them. We spent lots of cost going after these idiots and they are not even in the US. Let me know how it goes...... but feel free to not even bother. All customers receiving calls from this number should know IT IS A SCAM and to simply change their number

I had this elderly lady call my office this morning claiming that this # keeps calling her. She told me that she has never had a loan out & that the mans name is Ryan McLaren & he works for Payday Loans . Ryan keeps calling her & threatin's her that she owes them $700 & they will come 2 her house to collect the money. She tells them i like 2 c that, & bring it. She asked Ryan 2 give her last 4 digits of her social security # & her address & Ryan told her oh he doesnt no nething cuz she did it over the internet.  He also swears at her. The info that Ryan gave her was
                                                                     Ryan McLaren/ Payday Loan
                                                    Address:         4107 Kincade Chambers
                                                                          Pittsburg, Penn

I have been getting calls everyday but never leave a message. Finally answered when they called and asked who they were speaking with.  I gave them a fake name and they proceeded to tell me I owed money from a payday loan. I told them I am awar of their scam as Kim is not my real name and to stop calling.  These criminals must be stopped.  Why can't FBI or Homeland security stop these people.

These guys are a rip-off - I got a $200 payday loan in October 2010 - it was paid in full then they debited my account twice.  I called the payday loan company that is off shore (some third world country) now I'm getting calls from men who speak bad English in addition they make threats over the phone.  I have wasted several hours as I contacted the bank.  These guys are trying to collect on bad paperwork.  I have not gotten one loan since Oct 2010 yet the non English speaking AH's tell me I received a loan in March 2011 - again I called the bank there was no loan period.  Folks don't even try to talk to these guys as they are rip off's - I have since blocked the number 910-300-7196.

These calls r getting old boring corny and annoying. How much more of thi s*** do we have to, put up with?

this number calls all the time, no msg...repeatedly all day long

910-300-7196 has been calling my phone for the last 2 days.Please be advised this is a scam.Thanks for all the postings!!!!

where do these idiots come from and how come with all this (so called ) homeland security,can't they stop them. they keep taking our liberties, but still can't do s*** until the damage is done.

Just received a call from the same number, I told the guy I wanted to speak to someone that could speak clear english that I didn't understand him or own anyone money, hate these people they will get theirs.  Number is 910-300-7196 from Burgaw, NC

I like you guys received a call from 910-300-7196, I could barely understand what the guy was saying due to his foreign tongue. He told me that I had a loan that I had been failing to repay.

The conversation went like this:

"When will you pay your loan?"
- I don't have such loan
"When will you pay your loan?"
- Look, I don't have a loan of the type you are describing
"When will you pay your loan?"
<hung up>

Yea they just called me they are obviously a scam.  I told them I was looking at my bank statements and never received said loan.  The guy then told me to send him by bank statements via fax.  I demanded a physical address as I said faxes were not safe.  He then hung up on me.

These folks called me and told me that I owed them $216 from a PayDay loan.  They have called me numerous times.  I do not have a Pay Day loan out from anyone and never have had.  When I ask to speak to a supervisor, they hang up.  They started calling me before 7am this moring

My husband got a call from these people around 8pm last night.  He didnt answer, let it go to voice mail. Said the person didnt leave a message, just breathing sounds.  I googled it and saw all of this... thanks guys for letting us know this information!!!

HEY MY NAME IS SHERRY SMITH, AND SOMEONE CALLED ME FROM THIS NUMBER BUT I WAS'NT ABLE TO CALL THEM BACK. PLEASE REPORT THIS NUMBER, WHOEVER CALLED OR COMPANY NAME. I DO NOT WANT THEM CALLING MY PHONE NUMBER AGAIN. WHEN I CALLED THIS NUMBER BACK IT WAS SO FOREIGN COUNTRY VOICE. HE ANSWER THE PHONE YELLING YOU WANT TO TALK TO JACK HELLO YOU WANT TO TALK TO JACK. I NEVER ONCE SAID ANYTHING SO I JUST HUNG UP THE PHONE.

THANK IN ADVANCE!

got a call from 910-300-7196 Burgaw,NC did not answer because of this web site what can be done about these so called people