Received similar calls from this number from one person using two different names.  The names are John Miller and Brian Johnson.  I have saved all voicemails so I know it is the same person

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

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

I too have had numerous calls from these jerks. I actually called the FBI office in Charlotte, NC and chatted with an agent. He stated this is a very common scam!!  I particularly loved what he said next...if a real law enforcement agency wanted you arrested, do you think they would call you to tell you that they are coming?  The FBI agent is exactly right!!  I have laughed often since then!

Total scam.  Very threatening.  Arguing with them is fun!!  Try it and make them eat their words.  Give them the number to your local FBI office!  LOL

I've been getting calls from 951-582-4823 from a guy with an accent. He asked me if I knew there was a lawsuit against me. NOT. He then told preceded to put me on hold so I could speak to the higher attorney whom had my file on his desk. He came back on the line and stated the attorney was on the phone but I was to call back in 10 minutes. I called back about 6 times and the phone hung up every time. Then I looked the number up on line and noticed all the scamming these individuals are doing. Now mind you, this was back in October. I just received a call again from the same number, and I told the man that this is a scam and he'd better delete me from his system. With technology today, there has to be some way for this individuals to get caught and put away. People that scam others are violating our rights and need to be punished.

I received the same call.

i have had  that number come across my  phone to i dont answer it

I got the same phone call sat at work.. skeered me like crazy aome iranian guy claiming to be attorney  telln me that i owed 744.32 and that i need to send it to him western union and that i took out some payday loan in august and he was attorney and that if i didnt  pay within a hour a sherriff was showing up to my  work and telln my boss and i would be arrested and lose my job.... then  i hung up on him after i started cussing at him,. and my coworker called him askn who he was? the guy  start sayin cussing and sayin some harsh things... now when we try call it back it goes to to saying WELCOME then it says this  voice maill is full. GO FIGURE HUH???

I'm a sand n****r my self and this f*** tart called me plenty of times with same bogus messages saying it was urgent for me to get back to them immediately. I called got thru to "the law offices of Johnny West" and a certain Mr. David Cooper (THICK Indian accent, I'm an East Indian native that's been raised in USA) answered.  A** hole would NOT give me any info and said I may get deported if I didn't pay $750 on an outstanding cash advance loan.  We got to cursing and yelling back and forth he even told me to "go back to your country" hahaha told the a***ole to learn how to speak English and to go back himself! It was actually kind of like a little stress relief but the a** is calling my work looking for my manager now.  I want to get ahold of this guy and POUND his FACE IN!

have not heard of them yet!!!!  What is this officer saying????? Block your number and harass them!!!

i've also been contacted by them got rid of them now another anyone ever hear fromofficer john peterson from new? phone# 646381-2956  646-3099?

Get a cheap metal whistle or signal horn from WalMart or a sporting goods store.  Somehow, I think it'll sink in not to call you after that once or twice.

Air horn from WalMart or a sporting goods store; should only take once.  Just warn everyone around you first...!

Ricky Martin...?  You've got to be kidding me...next it'll be Abraham Lincoln.  If you do call back, be armed with a metal whistle or signal horn.  Make your point in the most emphatic possible way.

I have recieved many calls this week from 951-582-4823 stating his name was Tony Jones, calling my cell and home.  Threatening for me to call him back or if I do not he is sorry about whats going to happen as my life will unfold right before my eyes and Good luck!!!  What a nutcase!!! Before calling him back i googled this number come to find out he has been harassing numerous people and this is a scam!  So i finally answered his call and he stated that I need my paid attorny to call him or for me to contact his head guy, so I tried to play along asking what this is about, he said someone has taken a loan out in my name and my social security number!!!  Then I kinda went off saying already know about this scam that I have contacted The Attorney Generals offices, BBB, and the cops.......... So then this Tony JOnes says well why dont you contact Brack Obama!!!  Hahahaha I suggest to harass them back and he will quit calling!!  I have not heard from him since!!!!!!!!

received a call. They call occasionally. Told them to send information in the mail and I hung up. They then called back again and told me I was rude. Ricky was told I knew this was a scam and that I was calling the Police on him. He told me to go ahead. Told him to send the information in writing.

Just got 5 calls from the same number. I didn't answer the call and the person left me a message advising that I or my retained attorney return the call. I have already made two complaints with the Federal Trade Commission (FTC). The last time I called I was told to just ignore the calls. Don't answer them and evenually they will stop calling. This is so scary. The messages are very threatening. They call you back to back in a matter of minutes. It is always someone with a thick accent and you can tell that they are reading from some kind of script. This is ridiculous.

Same guy called yesterday!!!

had this person kevin call me and threaten to have me arrested and insisted that I send them money if not i was going to be arrested  i told him i was cntacting my local law inforcement and my attorney general scammers !!!!

Just got the same message, only name is different. Caller said she was Jill Brown, very distinct accent, called back got a "welcome" then nothing.  Diffently a scam.  But what goes around comes around sooner or later.

This is an awful awful man (thick Indian accent) who claimed to be "Kevin Johnson" and didn't give the name of his law firm (because it's...BS) also said I would be arrested and lose my job etc etc, told me to go to CVS to send a fax and send $989 for a "settlement". This really scared me and I called my attorney who followed up with him. None of his information matches up and he was not willing to co coperate with my (REAL) attorney's...shocker. The number is listed in Corona but the CA Bar does not have any Kevin Johnson's  listed in Corona at all. This guy is guilty of extortion and if he ever calls me again I will have my attorney's follow up a little more aggressively. DO NOT SEND THIS GUY ANY MONEY! IT'S A SCAM!

got this call at 6:30 this morning. didnt answer it and they didnt leave a message, so i thought i would call this number back and all it says is this mail box is full.

Guy call threating to have me arrest is I or my attorney call them immediately. Guys name was Tony Jones thick middle Eastern accent.

I do not owe this company any money, and they gave my social security number to the receptionist at my work.

i do have payday loan but i m currant and called them and they said it not them
and when i call this number back i get some rude guy and he refuse to tell me where i got the payday loan from and he say i m going to jail and they are going to put it on my credit report and judgement against me . can anyone help me with this call.

Just got this call and got a threatening message. Found out there are other ppl who received this message. Total bs, thanx ppl 4 info.

I received a call today and it was from a David Cooper who has an heavy accent . I could hardley understand hi,m. I had previously in the last few day gotten phone calls from different numbers and they all claim to be detectives. and that they have warrants for my arrest. They are calling and leaving messages at work and at my home and my cell phone. These are people that have a business scamming people and they want to see how much money they can get from you, I just hope that when people get phone calls like these that they put them in there browser and see what comes up. I spoke to a real police officer and he stated that don't give them any infornatiion and let them know that you aren't falling for their scam and eventually bad things come to an end.

Got the same message.  Total scam.

Te same # 951-582-4823 called today and left a voicemail saying his name was "Ricky James" and that I needed to contact him or my attorney did.  I tried to call the # he provided and got no answer.  I realize now that this sems to be a scam by reading all the above posts and have no reason to be in trouble with the police.  "As things unfold and wish me luck" WTF is that crap.  He is more than welcome to talk to my attorney anytime, got him on speed dial. Indian accent with Ricky James as the name....whatev. These people are ridiculous!

I HAVE RECEIVED SEVERAL CALLS FROM THIS PERSON ( KELVIN JOHNSON) TRYING TO THREATEN ME ABOUT A PAY DAY LOAN. I ASKED FOR INFORMATION TO BE SENT TO ME SO THAT I COULD CLEAR THIS UP. ALL THE TIME KNOWING THAT I DID NOT HAVE A PAY DAY LOAN. HE WOULD NOT GIVE ME ANY INFORMATION AND THEN I ASKED HOW I COULD CLEAR THIS UP AND HE SAID PAY BY THE PHONE. I IMMEDIATELY CURSED HIM OUT AND HE HUNG. I CALLED BACK AND HE STATED THAT HE WOULD BE SENDING THE LOCAL POLICE TO MY HOUSE. I WENT ALSOLUTELY CRAZY ON HIM. I CALLED BACK AND HE WOULDN'T ANSWER THE CALL FROM MY NUMBER. I CALLED ON TODAY FROM THE OFFICE NUMBER AND HUNG UP HE IMMEDIATELY CALLED BACK AND ASKED FOR ME BY NAME. I TOLD HIM HE HAD THE WRONG NUMBER AND HUNG UP, HE KEPT CALLING BACK AND THEN TOLD ME THAT HE WAS SENDING THE LOCAL POLICE TO THE OFFICE.