OMG , I just got this phone call , ran across the street lol local PD asked them if they have ever heard of this , they said , we cant arrest u for not paying your electric bill right i said well no , he said if u did get a pay day loan ( which i havent lol ) we couldnt arrest u , its the same thing , OMG IM FURIOUS - ugh. blocking these numbers as I type and yes same people , same number reporting them to KY ATTORNEY GENERAL !
I been getting calls from this number and finally I answered it and the guy had my last four of my s.s.n. but couldnt give me any info so after I tlked to my husband I clled the number back and questioned them and he said tht it was a federal law office and it was in refence to payday loan ummmm I dont have any loans.....oh sorry I bothered you. The number he clled me from was 951-389-0290. How he got my cell phone number idk
They called me from 510-761-5460 with the exact same story. They have been torturing me for over a year. They will stop for a while and then start again.
Haha I got the call this morning..but I was so irrated that they called so early and the accent was so thick I couldn't understand them.then he keep going on about something charges..I was like dude..what?? what do you want?? what are you talking about...you can't sue someone over the phone.. You can't take me to court over the phone. Duh...I kept over talking him and telling him his accent was to thick and I couldn't understand...haha he got mad and hung up on me...lol.. that's how you get em to leave you alone..talk crap the whole time they are on the phone...hahah
I received a call from someone that identified himself as John a paralegal for David Cooper and Robin Ross, Attorneys. He told me that someone filed 3 criminal charges against me and that I needed to call David Cooper or Robin Ross to avoid an investigation and from them having to come to my workplace. The number he provided was 951-489-0234 and I called and heard "welcome" then a busy or hang-up signal.
i have been expeiencing these calls some foreigners saying tghey are federal agents and all sorts of things how can we stop this
Call the FBI, the Department of Homeland Security and your State Police. When they call back, tell them that you are aware they are running an extortion ring, have notified the authorities and hang up.
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 am getting calls from same number 951-582-4833 and the guy says that I need to have my attorney contact them and that if they do not hear back from me that all he can say is "good luck to me as the situation unfolds on me" - FREAK!!!! Where do they need to be reported to - can anyone give me direction on that? Thanks!
*********UPDATE FROM THE ATTORNEY GENERAL'S OFFICE IN ARKANSAS*************
I reported these fools to my local Attorney Gen. Office.. this is the response I received from them...
Thank you for the information you have provided. We have received similar complaints regarding collections calls like these?they give names like ACS, Investigative Bureau, Crimes Division, or various law firms. They are not legitimate collectors. They use threats like filing a lawsuit that are untrue. They have somehow gotten information from online applications for payday loans (even if information was not submitted and loans were not received). The problem is that no one can locate them. As far as we know they are somewhere outside of the United States. They ?spoof? local numbers to call people to make it appear they are in the US. You can read a press release from the FBI here: http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
They use scare tactics to try to get money, like threatening to have you arrested. As you know, you cannot go to jail for a debt. A true collection agency is governed by the Fair Debt Collection Practices Act. I have attached a copy for your review. When asked, they have to provide written verification of the debt including the name of the original creditor. Request this information from the caller. If they do send something in writing, please forward that to me. Do not give any personal information out over the phone. I suggest submitting complaints with both the Federal Trade Commission and the FBI. The websites are www.ftc.gov and www.ic3.gov. If you have any questions, please feel free to contact me.
Katherine Rogers, Investigator
Arkansas Attorney General's Office
323 Center Street
Little Rock, AR 72201
They called me wen I was at the doctors telling me I was being sued for a loan I didn't get. I was crying n wen my bf was about to go on the fon with them they clicked on me. I went to the police n they adviced me to put an alert on ur credit n to change ur bank accounts n changed ur fon number n everything because these ppl won't stop....next time they call u should harras them. They can't detian u at all so don't be scared.
I also receive several calls from these idiots. The guy claim his name is David Lee which I know is a fake name. I ask them what is the nature of there call, company name and address & for a valid name and they hang up on me. I call them back several times and they hang up each time. When I block my number they pick up and I told them to stop leaving those stupid calls on my phone and if they can not identify where, who & what they are calling in reference to don't call back my number. The next time they call a friend pick up and they stated they were calling in reference to a credit fraud that someone is using my SS # and that I should call them ASAP. The next time they call, I had loud music on my phone so they didn't call for a while until today. At this point I just let them go into voice mail
i also have gotten calls. the first time i demanded his information and address id number the location email so i may contact better business. he hung up! now i just got a call i told him i cant understand you and if it has anything to do with me you need to slow down and explain to me he go mad and hung up. mr. john walter is what he calls hisself!
DO NOT RESPOND!!! This man called our business. Our director called the police and they can not do anything to you!!! She then called the number back and told him that this is fraud that he is representing a lawyer and that if he calls back, HE will be the one arrested!! Document everything. I know that this can be linked to an online site called "Cash Advance". A co-worker had "borrowed" money from this site at a time of need. This guy is calling to say that she owes thousands of dollars but will reduce it to $750 and only has 2 hrs to do it in or they go to the courts and get a search warrant for her to be arrested on Friday. DO NOT BELIEVE HIM!! We have spoken to two lawyers and this can not be done!!! http://www.checkintocash.com/cash-advance
Hope that this may help someone else!
called me at work and said that they had a lawsuit against me and my children..ask why never gave a answer..i told the guy on the phone that he was a scammer and i was reporting to the police.
Shakita D Carter
I just got a call from this #, and they have me really scared. I work for a state university, and that would not be very good for this type of attention to be bought to my job, I really do hope that this is a scam, because I have no idea of the charges that they are speaking of. Did anyone ever actually approach any of you? If this guy is just threatening and intimidating people, it is working, because I am really scared for my work reputation right now.
they have been calling my husband saying he has a 1500 dollar loan he needs t repay we took out no loan they call and harrass my mother saying that he put her down as a co applicant and that she needs to pay it or go to jail they have called his job and just about ten min ago called and told me that my huband needs to call right away and that he has three criminal charges against him now that cant be legal can it
Please also note that similar reports may be found under neighboring numbers within the same 582 exchange. The business names change but their game is the same.
The line reported by Patty a couple weeks ago about "wish you good luck as the situation unfolds" is a favorite of the fake payday loan thugs.
Their threats are empty and their rude tactics are illegal under federal law, the FDCPA. Do not argue with them, do not comply with their demands. Show them you know you have rights they are trampling.
Try demanding a mailing address and a full business name. If the caller fudges his answer and you cannot verify it, it's likely a PDL sham. Challenge their horse puckey threats; they often make rude remarks and hang up. As the bullies like to hassle people at workplaces, advise your employers and coworkers these calls are garbage.
The usual response to such a runaway debt collector stateside is to send a cease-comm letter and file suit. If you find a valid US address, please do so. Fierce consumer lawyers will leap at the chance to run such a case on contingency. However, being mostly outside U.S. borders and having no discernable addresses, these particular criminals rarely make it possible for individuals to punish them.
Follow this link for a payday loan scam primer ...
800Notes itself is thick with complaints on this issue.
http://800notes.com/forum/ta-1b47a30428c1e14/ ... ew-numbers-here
When you're done studying, make some noise ...
- Submit complaints to the FTC and state attorneys general.
- Send word to the FBI via the Internet Crime Complaint Center:
- The Secret Service might also like to hear from you, per its mandate to investigate all sorts of financial and electronic fraud:
Learn how to exercise your rights as an alleged debtor from the FTC.
The more you know of illegal practices, the faster you will sniff out the fraudsters.
I just received the same call this morning. The man didn't speak good English he stated he call from a legal department. I hung up the phone on him and he kept calling back to back. I was pissed because he woke me up out of my sleep and it wasn't during business hours. How do they get our numbers. I'm on the do not call list so i'm trying to figure out how they got my number.
Got another call from them... I called them back over and over and over and over several times until they finally disc the number...LOL. Everytime they call I am going to do the same thing!! I did speak to a man the first time and I challenged him with a barage og questions, he put me on hold and then the phone hung up. That is when I started calling over and over again. DONT GIVE THEM ANY INFO!!!
Got the same call today at work. Did not give out any info.. took the number down and did my homework-- reverse search took me to a Cali number in Corona, CA. I just want to know how they got my info, I never took out a loan... nor applied. Can they debt money from my account? I did use account info to pay bills online, thats about it.,
I would like to know who this is calling me and harrassing me. He can't even speak English. He said some kind of company name but spoke such poor English. Could be a debt collector.
A warning from the website of the Attorney General of South Dakota.
also calss from 707-655-4000 have been trying same crap with me threaten me then when hangs up says God Bless You or Have a Blessed Day
I also received a call from this number 1-206-787-9381, and from 1-951-582-4833, they say i owe for a payday loan they even cussed me out, i told them stop calling, and that i have never had a pay day loan in my life,they just kept on calling so i put a fraud alert on all three credit breu, and place them on the do not call list, with the F.T.C., they go by the names Nancy Parker, Robert parker, Bob Pinto, these people need to be stopped how do they get paid any way, i also know that you cannot make threaten calls, what i did was print me a fair debt practices sheet, and i record thoes calls, i am seeking a consumer rights lawyer, i dont owe anything but they will soon owe me
These guys are IDIOTS!!! I don't have a loan with anyone. I called them back just to tell them they are a bunch of IDIOTS!!! They got so mad with me they began using profanity against me-ha ha.And than they phoned me 5 times in a row.I'll keep their number,so when I get bored I can give them a holla.My new-found- IDIOT friends
I got a call from this number also, and they left a message on my phone saying this was an important business matter and not to ignore this call. They said they need to here from me or my attorney. I was wondering until I googled this number what they were talking about. He said his name was Adam.
THIS JERK ALSO CALLED ME AT WORK I HUNG UP ON HIM AND HE CALLED BACK AND I SAID IF U CALL THIS OFFICE AGAIN U WILL BE ARRESTED.......... HE IS JUST TRYING TO SCARE ME AND IM NOT GOING TO FALL FOR HIS TRICKS I HAVE NO OUTSTANDING LOANS WITH ANYONE SO I WILL NOT BE GIVING HIM ANY INFORMATION REGARDING MYSELF ..........
I too received a call from this nnumbon on my The gentleman said his name was Bob. He had a strong accent and it was difficult to understand everything he was saying. It's definitely a bill collector of some sort who asked me or my attorney to return his call. It also has an accusing tone with no regard to due process. Whatever it is should be confirmed via the mail....including certified mail. I wouldn't lose sleep over it.
I'm looking for work; therefore, emailing resumes with my phone number and address.
I received 2 calls today from 951-582-4833 stating to call 951-582-4832. He almost made it seem like if I didn't, well, "good luck to you and god bless"... like something bad is going to happen to me. I call that a THREAT!