Yes they called me from 929 268-0229 and 678 229-1850 yes I feel it is an inside job and they need to be reported trying to get money from people but there a** in jail incarceration please. Nobody should go around harrasing anyone times are already hard and I do not ever remember getting a loan in January.
Prosecute there butt's. Acting like they are a lawyer office and debt collector and the nerve to say Good luck as other people mentioned.
My husband got a call from the number 360-9753696. The person called his work and claimed to be a relative of a patient. When my husband called him back he told him he owed money. My husband hung up on him. I called the number and the man answered in a very heavy India accent. He told me his name was Peter Black with Anthony Davies Law Firm. Of course it took several attempts for me to get him to say the name of the actual law firm. I then asked for his address and he asked for my name. I told him he did not need my name to give me the address. We argued for several minutes, with him claiming he could not discuss details with me until he got a name. I told him i did not want details just the address. Needless to say, i never got the address. Please do not give any information to these people. Tell them if they are legit, then to send you something in the mail and if they are legit then they should already have your address. Collecters are requried to send a letter of validation to you in the mail. Tell them to stop calling and sent a letter in the mail. Please do not listen Peter Black, Anthony Davies or anyone that claims to be with that group.
I got this call today at work and again at home. SCAM all the way. Mr. Davis. legal divion. New York this time. Dont not pay them they are a scam. He said I owed a Cash ADVANCE for a Company that I never even took out a loan with nor had I heard of. BEWARE!
Man with an Indian accent named "Anthony Davies" has called me three times in the last 5 days and left voice messages for me (number when they call comes through as 0000 - suspicious enough) saying he is with a loan authentication/investigation company and a serious threat has come over my social security number and if i don't call him back to straighten it out he's going to call my references and work (no idea who these people would be or how he would get these numbers) and make my life very difficult in a threatening tone. Then told me if I did not call back he would take legal action against me (for what, i have no idea). Then he ends the call with call me back immediately... and have a good day. SCAMMERS. DO NOT GIVE THEM THE TIME OF DAY. My husband works for the FBI and is already looking into putting them under investigation. They are simply trying to get your account numbers and get access to your bank account.
could not undestand
I keep getting these phones calls saying I will be put under arrest for a loan that I did not pay back. This is untrue, so i decided to look up the number. It had stopped, but it seems what triggers the call is if I am applying for a cash loan. This is scary.
I just received 3 phone calls from a man named Anthony Davis. Clamed he was a cop and I had a payday loan that was well pasted due and if I didn't pay it today things would happen bewteen my credit and the government or something like that (he was very hard to understand). In the second voice mall he left my last 4 of my SS# so I got scared and called it back. He said the transfered me to his manager Tom Green but it sounded like the same person. He had every bit of personal information on me. He had even called my work. I called my city police but is there somthing or someone else I should call?
I just got a call from these people he had every single piece of my personal info that one would get while applying for loans. what he did not realize is these loans are illegal in ga so there's no way i got a loan from them.
These people called me at work. Claimed it had something to do with fraud and my social security number, but said it is a case being filed against me. Also claimed to be some part of an office with the United States Government. Extremely hard to understand them. The man I started talking to claimed to be Officer Anthony Davies
These people are the most annoying idiots! They are liars and cons. They try to scam money. What is scary is they have my last 4 digits of my SSN. I dont know how they got it. They call my job and my cell non stop!! I just ignore them.
officer john antonio
THIS IS A SCAM. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.
just recieved this phone call and it is scam they are asking me to pay them money or have me arrested. not ...... this is a scam..............
just received a call from a Anthony. Are U serious!! His accent is so thick I could barely understand him! I do not answer #'s I don't recognize. I am glad that the FBI is looking into it. I hope they catch them real soon! This mess has 2 stop!!!!!!!!!!
Part of the fake pay day collection scam.
Ridiculous middle-eastern man, claiming to be an officer, threatening me. Called the number back, asked for the person picking up the phone to identify themselves and they refused. They refused to identify who they were with, or a badge number. Officers of law? Really?
Hey scammers - word of advice before you harass Americans perhaps you should take the time to learn our legal system you morons!
These folks have been driving me nuts for almost a year now. I get rid of them for a week or two and then they come back. Good news is I heard the FBI and Secret Service are getting very close to nabbing these scum suckers.
I file these as prank calls because that is really all they are.
These fools got me called the United State Navy Ship and threaten me. Well, I told them that I am a military Police and start asking them a question. This was not a first time and this Chineese accented man hang up on me right away. Hhhhhhhmmmm.
This is a scam. The Better Business Bureau has released many alerts on this scam, google "bbb.org alert phony debt collector" Scams mutate so read all the alerts to get a flavor of what they are.
They are legit, to an extent. I have 2 bad payday loans that I had forgotten about that are over 4 years old. If you had a payday loan and owe money then they are who is contracted to collect. The problem is that they are scrupulous in their collection efforts and it is in your best interest to contact a debt attorney before agreeing to any terms. They cannot file a true lawsuit as they are not on US soil. Infact, they must be located in your state to file a suit against you and only the laywer representing the agency can collect any fees. As I have dealt with them before, one very good option is to refute the debt and have it sent back to the original creditor, which you must request. Then once they recieve it you should work out a plan with them rather than this "agency". Through US law, they cannot actually call themselves what they call themself but they are not located in the US, so it is best to either wait (it is already on your credit and will not go away unless it is paid or charged off and cannot do any more damage) or pull your credit report and track the original company down through your report. Yes, they do threaten and are rude, even intrusive but you cannot actually get to them to sue them because they are outsourced. And lastly, no, they cannot arrest you or even issue an arrest warrant because they are not here nor a true governmental agency who would have that authority. Taking the steps to track down your original debt is the only way to get rid of them.
Some foreign lady left me a message stating that all of my personal finacial information was in jeopardy and that the call was very very important. I had to listen to it 5 times just to get that part out of the message since her ENGLISH majorly sucked! I still have no real idea what she said but she said a lot more than that. She repeated the phone number about 10 times though. Im not calling it back!
THIS SCAM CALLER CALLED MY PHONE STATING HE WAS OFFICER ANTHONY DAVIES AND THEN CALLED MY JOB AND STATED HE WAS OFFICER DAWSON ASKING FOR $3300.00 OF A DEBT THAT I SUPPOSED TO HAVE OWED, I ASKED QUESTIONS HE COULD NOT ANSWER AND HE ALSO HAD MY LAST 4SSN, HIS ACCENT WAS SO THICK I COULD BARELY UNDERSTAND HIM, HOWEVER THIS IS UNDER INVESTIGATION AND I KNOW WITH OUT A DOUBT THAT THIS SCAM SITUATION WILL BE RESOLVE SOON... OH YEAH HE ALSO SAID HE WAS CALLING FROM THE LEGAL CRIME DIVISION, WHAT HE DID NOT KNOW WAS THAT HE WAS TRULY BEING RECORDED BY A LAW OFFICIAL OF THE US.
Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:
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:
my state's Attorney General's office
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.
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
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
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:
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:
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."
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.
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?
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.
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
December 07, 2010 FBI National Press Office
? 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
I Know Better than you people have to prove yourself not me LOL.....
What a pile of crap. We know it's getting harder to trick people on the phone, why do you think you can do it here, you can't even speak or write proper English. Your thinking is as muddled as your writing.
No Matter Know you can just wait and watch what happens with you If you want a proof than come down to my office in newyork. I am ready to answer all your question but you did not so Now you will be in Legal Mess Take care
I KEPT GETTING HARRASMENT CALLS AT MY JOB AND CELL PHONE, FROM THIS ATTORNEY
THAT I OWE A PAYDAY LOAN, WHEN I ASK THE DATE OF THE LOAN TO MAKE SURE THE FUNDS WENT INTO MY ACCOUNT,HE SAYS HE DOES NOT HAVE THAT INFORMATION AND SEND ME A ( LEGAL NOTIFICATION) SAYING THEYWRE PRESSING CHARGES PER CASH ADVANE USA FOR A CERTAIN RIDICULAS AMOUNT AND WERE GOING TO INFORM MY JOB AND THE LOCAL SHERIFF, I CANNOT VERIFY IF HE IS FOR REAL OR NOT OR IF THIS IS A SCAM, I DO NOT BELIVE I OWE THIS MONEY UNLESS HE CAN PROVE IT.THIS GUY IS IN NEWYRORK AND I AM IN TEXAS.
He called treating me in putting me in Jail because I have a loan I did not pay, when I ask him for proof of this Loan he says he does not have it ony the amount he is telling me I owe and Ineed to pay immedaitely or he sending someone to pick me up, I am in Texas he is in another state, how canhe do that?? I told him I was not paying him anything unless I got the Proofs, he said he was going to call my boss and I was going to loose my job, How do I stop this harrasment, I do not want to loose my joy,please advise
This is atty Anthony Davies we are a legal law firm. Who ever you are joj Just give your Right name so that we can know that whether a legal action is take against you or its still pending. I Don't have to prove myself you just take care of yourself
Keep getting these calls for ???? I asked them to fax me some paperwork...they hang up! I have been threatened with everything from jail to law suits to losing my job, et.etc..who are these people?? Same voice as another number from Texas and South Carolins, atty anthony davis, and a 206 number (seattle) from some "Officer" from debt department. It's all the same guy how many friggin' cellphones does he have?!?!?!
Also I tried to get them to FAX me the paper work they had and they told me that they couldn't do that really do these people really think that everybody is stupid
I got a phone call from this number and he said his name was Anthony Davis and he asked for my husband well my husband wasn't home at the time so I asked how could I help him and he told me that he was calling from some law firm that he hard got a loan and never paid it well when my husband came home he called them and they told my husband that he got a loan before December f last year from Texas well before December of last year we lived in Georgia we didn't move to Texas until this year he said that he owns 342.00 my husband said that he wasn't going to pay it and they told him that he would have a court date and that he need a lawyer my husband said well I don't need no lawyer cause he never got a LAN and never has had a loan so we told them take us to. Court we will fight it anyways the next day I get another call from a different number and they said we had a 250.00 loan and it was put into our bank well I called the bank and there was no loan n there it is all a scam but they got alot of our information so now I want to know what I can do to prosecute them for identity theft