Ok I just read all of these posts becuase I received a call today as well from someone claiming they are from the California Dept of Legal affairs and someone has filed a claim against me. How they are getting Social Security numbers I am not sure. File it with your consumer protection agency so they may take the number and information you have and start an investigation. This has to be a scam, prevent them from taking advantage of someone who may not realize it.
My next step was I contacted the California Legal affairs and gave them the phone number that showed up on my phone.
This guy claimed for me to call back on the same number they called me on and ask for an attorney by the name of Alex Watson..
When I called them back from my land line number they got nervous and hung up on me.. Turn them in it's a scam.. Especially if they have your SS number turn them in before they use it..
I have repeatly receive a call from 1 951 582 4830 and 1 213 261 5794. Stating I had numerous outstanding loans that I needed to pay back now or by 4 pm I would be arrested. How do you stop this harrassment ans fraud calls? Please help
The same thing has been happening to me. A foreign guy called saying he was with the dept of legal affairs & investigation. He called my work number and said i had to call 213-261-5794 said his name was Steve. And i had an hour to come up with $1498.33 or i'd be arrested. They wouldn't give me any information told i'd have to call back to find out how i could get the money to them. My co-worker called and acted as if she was going to loan me the money so we could get information, but they hung up and said they didn't want to work with me. The whole thing is so crazy and makes me wonder how much they scam people out of
I've received the same calls at home and work and to be honest, I scared the s*** out of me; I've never been in trouble with the law and their threats are making me sick, especially when they say a police officer will be coming to your place of work. Could this not only be a scam, but cases of identity theft? HELP!
I received a call from 951-489-0238 withe the same story that you folks are sharing, stating that if I did not send them a payment of 210.00 that the police was coming to arrest me for not paying on a loan. The gentleman gave me his name of Mark Williams, he had a very strong middle eastern accent and demanded payment today, he told me I had a half hour to get the money and asked me to go to Walmart and purchase a money card ahd do not activate the card, I was to call him back and he would give me instructions to where to send the card or how to transfer the money to another account. We need to stop these scam artist, they claim to be from the Dept. Of Legal Affairs in California. Who did you folks report the folks to?
Sad but True
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:
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 received the same message stating I owe a payday loan read the charges told me that they were coming to my place of employment read my ssn.... and some outrageous amount of a payday loan and said I would be arrested...
Dan Foster called me today. Along with a Jim Smith. I told him I am a Lawyer and he hung up on me. LOL Report them to the FTC.
Plz be careful, These are scam artist of the dumbest kind, but you'd be surprised at how many people are falling for this simple-minded Debt scam...Do not give out any information!!! Personally I called back stating that I was with the Feds and we were tracing the number in Banning, California (DID A FREE REVERSE LOOK UP)..lol, THEY HUNG UP AND HAVEN'T CALLED ME BACK...LMAO
This is a fake company they say they are from the DEPT OF LEGAL AFFAIRS INVESTIONS.. No such company the numbers that they call from is 951-582-4833 / 9515824833/951-489-0231 and many others. forward them to your local police department when they call. they are fake!!!! Dont get take the call call the police report them... They cant speak english....
These guys called me 3 times in s row saying the same thing they told everyone else. This is the 2nd number they called me from. I told them they had the wrong number they hung up on me, I tried to call them back and it automatically hangs up
These people have been callng me too. As a matter of fact like 30 minutes ago. I keep cursing them out.they give it a couple of days and then someone different calls. Its starting to piss me off. They call like 20 times in a row.
Received a call stating I had a pay day loan that was not paid. They keep calling my job n cell. They could noccpuld not give me proper info about the loan.
Got a call from (951) 582-4830 a few minutes ago at my work number asking for me. I acted like I was screening the call and asked "What is this call regarding" Woman who had a heavy accent kept saying "This is a legal matter. This is why I need to speak to her." Little did she know that I work for a law firm and I kept asking "What is the matter regarding." Finally, I just said to her "Take this fake scam to someone else." and hung up. Thanks to all the posts regarding different numbers and scams I was able to recognize it was not for real. And being used to screening my attorneys' calls helped to interrogating her.
Flood your news investigative stations and inform them of what's going on. Media coverage is the best way to smoke out the scammers. They will know that everyone is aware of what's going on and will stop it and go to something else. I contacted my news station and hope that they will investigate. The FBI and police stations are a good start, but they also have there hands full with more pressing matters. Trust me, reach out to the media and if nothing else no one will be financially destroyed for a lack of knowledge because they had no idea of what was going on. Thank God that I didn't become a victim of this scam, but we all have a responsibility to share the knowledge and protect each other. Be blessed!
Yes me too I am getting these calls also from all over california and I work for the fone company this is a land line i tried to track it but with no luck. I told him I reported him and his numbers to the FCC and said y u yell at me I replied im am sick to death of you calling me contantly I have no loan i know what I owe and I pay all my bills this guy tells me that he is going totake me to court For what and what company he never told me and I have never received any bills omg this is crazy
I have been getting these same calls for weeks now, I have never answered. I decided to call back blocked and it said the number was out of service. I called back straight through and a recording said "Welcome" and hung up. I also called the other number they call from and a foreigner named Keith answered claiming to be from a law firm....I just hung up. They call my home non-stop!!!
I recieved a call from 951-582-4830, Amanda was her name. they called me at work. In the message she said if i do not return her call she wishes me good luck with the events that will unfold upon me, what a sicko. i called her back and told her i do not owe her any money and that they are scammers, she hung up on me. sick people in this world.
This is a form of harrassment! They need to stop calling!
could not understand the caller think it is a scam
There are many people getting harassed with debt collection agencies. Here are some websites you may check out. There are a lot of things you can do to stop this from continuing. Matter of fact my mom had the same people calling her. She researched what she could do and they stopped, after she took the proper steps. Hope these will be of help. www.consumerlawfirmcenter.com and www.fair-debt-collection.com
The first day I called which was yesterday after I got the voice message I asked for somebody who spoke english, they said good-bye and hung up. I called today and spoke to somebody and wanted information and said to call back monday. So I will but I am also going to the local authorities and contacting the FBI regarding this has a fraudulent scam. Lets see how long they last if people actually start going to the authorities.
i gotten calls from 951-582-4830 and 251-933-3602 and 980-333-4683 all the same person who tells me everything you guys have said and they also stated they worked for bci when i google bci there is a warning for these people already thats its a scam and not to give no money or nothing to these people and they don't work for the bci
Some one who did not speak English properly or well, sounding chines, said that I had to call with my attorney immediately or good luck with what falls upon you. I had an attorney call. They hung up and would not except the call.
This is a version of the you-have-committed-a-crime extortion scam and you are being...
1. charged with fraud or passing bad checks or embezzlement or
2. served with a court summons or arrest warrant or bench warrant or whatever or
3. located in preparation to being served or for a lawsuit or to be arrested or
4. sued for cable TV usage that you've been stealing for years or
5. whatever stupid crap reasons they will think up next.
And you have to...
1. call back with your case number or
2. confirm your address or SSN or whatever so you can be served or your papers can be processed or
3. pay $895 now to avoid paying $5,000 in court or
4. whatever stupid crap reasons they will think up next.
Beware extortion scams come in many flavors and they constantly evolve to stay one step ahead of the law.
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"
Never do what they tell you to do but report them 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.
I recieved a bunch of calls from this number. I finnally called it back and The man stated i was in a lot of trouble for fraud. I asked for what. He said you can not inturrupt me while i am reading the charges. I said ok. He started to read them off. My husband called him a dumb towle head and said try to scam your own kind and leave the americans alone. The man got mad called me a bit*h and hung up. lol to funny. They had my personal information too. Im not worried, i have identity theft protection. Scoresense.com for 10.00 bucks a month
Hi - I also received a phone call from this company they are all scams - just tell them you are sending their phone # to the FBI they say you will be arrested - which you won't and they hang up
So i have had enough of this scammer calling me that i have decided to play them at their own game. i signed mister DAN FOSTER up to recieve calls from car shipping companies. I even created him an email firstname.lastname@example.org, so fill free to use this email and sign Mr.FOSTER up for annoying callers like himself. sign him up for sex calls to.
sorry the number used was 951-582-4830
they called me about 10 times today. saying that i was being sued by cash advanced because i was late by 1 payment. They said I owed $1645.33 and that they tried to collect the payment from my bank and was writen a electronic check. That the checked bounced. They said I had by the end of today to pay the amount to them. Or the police were coming to my place of work tomorrow to serve me papers for me to get my court date. They wanted me to fax a letter saying that i had no intention to skip this payment. I would like to fix this issuse by using my pre-paid visa card listed below. The guy that kept calling me gave me the name DAN FOSTER. He wanted me to go to a wal-mart or a wal-greens to pay the full amount. The guy had my correct email,ss,place of work and my cell phone. the only thing he had wrong was my home address. Im n the Military and I move around alot. so i changed address alot but whenever i need papers and stuff sent any where...i list my parents address cause its easy to remember. but anyways he even had a refrence number cs541....I had an gut feeling this was a scammer. So i googled the number that showed on my caller id and it gave me Riverside,CA. The guy got very impatient with me when i wouldnt give him an answer. He got an addittude and hung up on me. Also everytime I asked if i could speak to the loan company directectly he said there was no one else that I could talk to that he was the ONLY one handling this case number. And When i tried to call back, i kept getting this mail box number is full.