I am being contacting by a "John Stevens" at 585-598-1431. Also a "Mark Acosta" who emailed me. My husband also received a letter in the mail. I have gotten phone calls at work and on my personal and work cell.  They have called and threatened my daughter on her cell and even my ex-husband and his parents. I have not been married to him for 25 years. To day, they called my 18-pyear old daughter repeatedly on her cell, I am not sure how they got it, and use profanity.  (THE DIFFENCE WITH MINE IT THAT THE GENTLEMAN CALLING ME ARE AMERICAN, NOT FOREIGN SOUNDING.) I have been in contact with Mr. Zloto because this have gone on for about 8 months. It has gotten worse lately.  It is frustrating and embarrassing even if my colleagues and family know it is a scam.

thank you sdo much. i have been looking for that number

@ Cheryl

Here's some details about who to contact about this scam.

Here's a response from Sonic Cash to a victim of this scam that had written Sonic Cash about the matter as the caller had mentioned that the payday loan was with Sonic Cash.  

"We're sorry to hear about the call you received. There is a group of people who are calling from outside of the United States stating to be affiliated with Sonic Cash. This group has no affiliation with our company, and you have no debt with them or us for that matter. The tactics and threats they use, are to scare you into paying them, which is an illegal tactic under the rules outlined in the F.D.C.P.A. (Fair Debt Collections Practices Act) We ask that you report this phone call to Doug Zloto who is the Secret Service Agent from the Department of Homeland Security. His phone number is 989-497-0580. Again, we're sorry to hear you were contacted by these people, and please be assured they have no affiliation with our company.

There's a lot of positive feedback about Mr. Zloto from people who have reached out to him.

David,

You are a FAKE along with the rest of the SCAMMERS you work with and for.  You're not fooling anyone in your (broken English post that easily identifies you as a foreigner and most likely middle-eastern) claims about being a legitimate debt collector for a company based in Florida.  Here's what is REALLY known about you and your company.

ABC News just did a report on this particular scam. Here's the link to the report: http://abcnews.go.com/Business/story?id=5621205&page=1

This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobbylgook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or Money Gram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Sonic Bank, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more. These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection. (Debt is a civil, not a criminal, matter.)

The bottom line is, these are criminals trying to steal your money.

A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank. Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Here's the contact information for the phone bank in India:

IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com

A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:

Domain Name: INTELLISOURZE.COM  Registrant: Pragra Infratech Pvt. Limited.  Email: ankur.ranpariya@pragra.com
908, Aksaht Tower, Nr. ICICI Bank   Opp. Rajpath Club, S.G. Highway  Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353  Creation Date: 08-May-2008  Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )

Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.

This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

Stated that I needed to return a call to them immediately or there was nothing that could be done for me.  Stated his name was Thomas Wilson, I think that the last time he called stated his name was Officer James. I am so tired of these calls, I hope that someone can help prosecute these people.

Hello Everyone,

           This answer is for you all, Payday Employee.

           This is David representing our Clients who are huge payday loan vendors. We are working according to the guidelines of the FDCPA. So there is no way that someone from my company would have threaten anyone saying that they gonna send cops to pick them up. Its really very panicky when people take loans and does not recall.

           Before blaming the legitimacy of our company, we will appreciate if you could call us and we would be glad to direct you with all the info for your records


With regards,

David.

David,
Your pathetic!
Go to school, get a real job and stop trying to scam people. It looks like you've got a whole bunch of people already wanting you to just go away.
Got and idea! Go to Gaza! Where you hail from! Oh and have a nice day ;)

David, Jason Arthur, Shawn, whatever name you choose to go by today....I have contacted Ft Lauderdale police department Captain John Dale...he has no idea who you are and suggests that I record any incoming calls from you and turn them over to AT&T security.  I have also contacted the Carl Morgan Law Firm where you claim to be calling from.  They have never heard of you, they do not collect debts and they are not associated with you in any way.  What a surprise????!!!!!  I suggest you stop harassing people at work and leaving threatening messages telling people that someone will be at our place of employment after 2 pm and "only God can help you now" and that we will be "in a big 'mess'".  There are serious legal repercussions for impersonating an attorney, not to mention threatening people with police arrest.  Aren't you smart enough to know that the police do not arrest people for debts?  That is a civil matter....not criminal.  It IS, however, a criminal matter to pretend to be an attorney.  And it IS a criminal matter to pretend to be an "officer" on the telephone.  I suggest you cease with these phone calls to everyone.  You have called my office weekly for at least 1-2 years now.  Have you gotten any money?  No you have not.  I have also checked my credit report and IF I were to owe anyone money it would show up there....IF it were a legitimate debt.  There is NOTHING on my credit report indicating that someone is trying to collect money.  I am on to you now and the next phone call you make to my work WILL BE recorded and WILL BE turned over to AT&T security as suggested by the Ft Lauderdale police department.  Got it?

Shasam I got the same call from "Jason Arthur" this morning. He left a message on my cell phone saying he was calling from Financial Infraction Division, a law firm from Florida and that I am a primary suspect and that they will be filing criminal charges against my social security number.  Why would a law firm name themselves Financial Infraction Division.  Yeah right. Back in September 2008 I was contacted by some Indian guy and I got suckered because I panicked thinking I really did owe these people.  I ended up paying $1600. After paying this money, like Kat I asked for a receipt and till this day I have never received one. I have since contacted my state's attorney general's office as well as my local police department.  I will never be suckered again.

I HAVE NEVER HAD A PAYDAY LOAN IN MY LIFE AND THIS GUY WHO SAYS HIS NAME IS DAVID MORGAN, CALLED ME ON NOVEMBER 11, 2009 AT 4:03PM ON MY CELL PHONE AND ON MY WORK PHONE.  I KNEW IT WAS BOGUS THE MOMENT I HEARD HIS MESSAGES.  HE SOMEHOW HAS MY WORK NUMBER AND MY CELL NUMBER.  HOW THE HELL DID HE GET MY INFORMATION IS WHAT I WANT TO KNOW!  I CALLED THE POLICE IMMEDIATELY AND THE FBI AND THEY ARE ON TO THESE GUYS.  THIS IS A TOTAL SCAM, FRAUDULENT, EXTORTION, ETC.  I SPOKE TO RYAN, DAVID AND ANOTHER GUY WHO CALLED ME AN A**HOLE JUST BECAUSE I ASKED THE NAME OF HIS COMPANY.

PEOPLE, DON'T GIVE ANYONE YOUR INFORMATION AT ALL.  I HAVE CANCELLED ALL MY BANK ACCOUNTS, CREDIT CARDS, I'M GETTING MY SOCIAL SECURITY NUMBER CHANGED IF POSSIBLE.  I HAVE NOTIFIED MY BANK AND ALSO MY ATTORNEY.  THIS IS CLEARLY IDENTITY THEFT AND THESE GUYS ARE GOING TO BE CAUGHT VERY SOON.  YOU WILL HEAR ABOUT IT ON THE NEWS IN THE NEXT FEW WEEKS, I CAN GUARANTEE IT.  AND IT'S PROBABLY GONNA GET MESSY.  I'M GOING TO FILE A CLASS ACTION LAW SUIT IF ANYONE WOULD CARE TO JOIN ME IN THIS.

I have been getting calls about every 3 months for the past 4 years from these people.  They basically tell me the same things they have told everyone else if you don't pay this the police will come and arrest you, may God be with you etc.  They have been told time and time again not to call my office and continue to do so, everyone knows who they are so when they call they take a message and once again tell them not to call.  I have requested for them to send me in writing what I owe for and they will not do so.  The guy that called yesterday and today was Shawn Walker and he said he was with Morgan & Associates.  The company is usually the same but he switches his name up everytime his call is rejected and he calls from several different #'s.

i keep receivng call from a guy name joh matthews from the same number as above.  this guy claims he is working with the law firm of Hopkins law firm John baylor.  I dont owe these people any money at all.  I researched it and can find anything.  They also won't contact my attorney or the attorney at my job.  I want someone to make them stop.

After I've started calling them randomly and letting them know that more and more of us in the USA are becoming more and more aware of this SCAM of theirs. I personally haven't had a call from them in a few weeks. But i'm sure they will start again with a new name and new company alias and new number to call back. the authorities said that this is definately their MO.  And of course, i'll call the number back as i always do and i'll tell them the same thing as i always do, which goes a little something like this...

Hey'dave, mike, andy smith, charlie jones, arron carter, leo waders, Robert Bryant, ricky simmons, sandra wilson, keith parker, peter brown, jack wolf, rick bush, jason arthur, mark ryan, mark butler, coray ward, or whoever you are calling yourself today...no one is going to give you any money - and those who were scared enough to give you some, will never give you any more.  you are filthy third world country pigs and i hope you rot in hell.  call my home or office again dirt bag - try it - everyone in my office knows about you and the scam you run, and will not give you the time of day (that i can promise you).  call my home again, and you will be recorded.  call my family and they will tell you the same thing - I have already contacted both the State of California and State of Florida's Attorney Generals offices, the US secret service, the FBI, and my own personal lawyer - you will NEVER EVER receive a dime from me. you are evil. you are scum. a filthy pig.  and you don't scare me.  you are pathetic. you are evil. and what goes around comes around - but then a good Hindu should know that...'

This is for David, you are a fraud, the company you work for is a Fraud and the Names you have supplied myself and my co-works with are all frauds. You have given mulitple names and number and b.s. stuff that now have frauded you as a collection company of any kind in the UNITED STATES. Now, for your client, hate to tell you this, if what your saying is true about them, I would be informing them that you have made everyone of the loans you where trying to collect on null anviod due to your ILLEGAL collection practices. Now, I have also taken it a step more than what I needed too. I have a family member that is part of the F.B.I. in Midland Texas that has now taken the steps to look into who you are and where in Florida you living, IF you are living there. She will find you and the threats you have given not just myself but everyone you have called will be placed on you. Then you worthless Indian DOT HEAD *ss will be someones little Bi*ch in an AMERICAN PRISION where you pay for every number you have ever dailed. Trust me, you know who I am, you have talked to me before and I have called you EVERY HOUR ON THE HOUR for 5 days straight 24 hrs a day. So I dare you to call my place of employment again, Try me... they have been informed to record your conv. and also trace your call PER the F.B.I. Don't both changing your number because they will find you because ur a greety and scum of the earth, Die you piece of Sh*t, Roit in Hell were you belong.....!!!!!! (oh, ya by the way Jack Parker, It's KERRICK not KENDRICK, Jack a*S!!!"

Just rec'd phone call 954-607-4512 -- Thomas Wilson--after repeatly telling him NOT to call at work-he continues and now has started leaving threatening messages that I will lose my job--makes sense doesnt it.  He can hardly speak English and then he gives the phone to restution manager--I told them that I was filing a law suit on them, and then hung up.  I refuse to be intimidated by this people--they call every 6 months or so trying to get money from me.  I fell for it once BUT NEVER AGAIN!!!!!

I've been getting calls at work about John Matthews, Roger Harris, Jason Arthur, etc. They said that I took an on-line loan on September 2005. They are demanding payment of $945.00 today or they will contact the Police at my county. They are also calling the receptionist at work too. I thought that this was paid back in 2005. I don't have any paperwork on it because I've moved. I don't know what to do. Can they threaten me like that?

it is all BS. they are third world county scammers and whatever they tell you is a lie.  DO NOT SEND THEM ONE RED DIME!  Let them know the next time they call, that you are onto them and you will not give in to their extortion demands. Call your attorney general's office and report them. Call the Secret Service and report them. Call the FTC and report them.  Save the threatening messages if you can... and above all else do not send them any money!

I received many voice-mail messages from these people any always ignored them. Today, they called the receptionist at my work. She transfered the call to me. I spoke with them and they wanted a payment that day. I said that I didn't have $945 so this guy transfered me to the supervisor Roger Harris. I said that I would pay once I have the money. During the weekend, he called and left another message to call him back at his direct number 343-729-0397. I called this number and left a mesage saying that I contacted a lawyer and was told to request a debt verification letter sent to my home address before I would send any payments. They are still calling...no debt verification letter.

Rosebud - They cannot do anything to you. They are thieves. they are hoping that by talking to your co-workers and threatening to arrest you, you will give in to their extortion tactics - DO NOT GIVE IN.  Do what i did. I let the people in my office know about this scam (I downloaded several message boards related to this SCAM so that They could see that there are hundreds of other people being harassed and threatened by these indian pigs in the same way I was).  I let my family and friends know about this SCAM(as they were contacted by these bottom feeding low lives as well)|. I contacted the FBI, the Secret Service,(who by the way has an investigation already open in regards to these people) the california attorney generals office, the FTC, and the BBB,and filed complaints with all of them.  I then called this filthy pigs up several times back to back (as they did to me when they called my office sometimes 20 times back to back) and each time they answered I would ask for a different name that they have used in the past... and before they could pass the phone to the guy next to them I would tell them that they could call all they wanted, but I would NEVER EVER send them a friggin penny...  do that a few times and i guarantee that they will stop harassing you. Also look up the number on 1-800-notes and see all the info on that board concerning these freaks - you will never be scared of these cowards again! I promise!  :)    -g

I received a call from Alex Williams from Morgan & Morgan saying I owed them $405 for a payday loan and that they would not make anytype of payment arrangements.  They also said they were going to contact my employer to make restitution for the debt.  I agree that the English language is not their first tongue, and they are very rude and abusive over the phone.  I was transferred to a supervisor Jeff Morgan who was just as rude and abusive.  I believe that if I truly have a debt in collection, that it is more appropriate to send me something in writing before filing legal charges against me.  WTF

Hello Everyone,

             This answer is for Nikki, Shasam and melody

             This is David representing our Clients who are huge payday loan vendors. We are working according to the guidelines of the FDCPA. So there is no way that someone from my company would have threaten anyone saying that they gonna send cops to pick them up. Its really very panicky when people take loans and does not recall.

             Before blaming the legitimacy of our company, we will appreciate if you could call us and we would be glad to direct you with all the info for your records.

             Moreover, we are not calling from India. We got our registered office in Fort Lauderdale, FL. Do not feel hesitate and kindly call us back for more informations.

Regards,
David.

Indian guy name Sam calling my job stating hes from a crime investigation dept. stating I had a payday loan for 400 dollars and I need to pay it. He asked if I had a creditcard and I told him no. He suggested that I needed to go to walmart and put 400 dollars on a walmart card and call him with the approval number then he would send me an email as a reciept. I never had a payday loan but he did have my social security number correct. He threatened me stating if I didnt pay it he would send cops to my job. Hes definitely losing his mind.

this is for David.
I just received a call from this number from someone named Roger Smith. he has threatened to have me prosecuted for not paying this back. I want you to know that i will be contacting my local police department and the Pa state attorney general office that your company is trying to extort money from me.

received another call today. I got them to give me a mailing address & to tell me the name of the company i supposedly owe. I called the number they gave me for Cash Net USA and it was as bogus as they are. I have contacted Cash Net USA and have been provided with the information that they are bogus and do not send them money. Call the company they say you owe and verify the debt and deal with the original company as much as possible.

if you look up this number, it is a cell phone and the phone # for Morgan Law Firm is completey different.

*********THIS IS FOR "DAVID"  JUST SO YOU KNOW, I HAVE FILED ANOTHER POLICE REPORT AGAINST "JAMES CLARK*, I WAS ON THE PHONE WITH THE FBI TODAY AS WELL.  EACH TIME YOUR SAME MAN-WHO EVERYONE KNOWS IS THE SAME MAN-JUST CHANGES HIS NAME AND PHONE NUMBER- I WILL BE FILING ADDITIONAL COMPLAINTS AND I WAS INSTRUCTED TO HAVE THE CALL RECORED- SEE BELOW FOR MORE NOTES:  YOU GUYS ARE GOING DOWN- IT IS JUST A MATTER OF TIME!  ISN'T FUNNY HOW IF YOU GOGGLE A PHONY NUMBER TO CALL "TONS" OF COMPLAINTS COME UP?  HOW CAN ALL THESE FINE PEOPLE SAY THE SAME THING? Got a call yesterday from a "James Clark" from this number.  I was not in the office.  The receptionist told him NOT to call here again.  I have gotten harassed for several years from the same man all he does is just use a different name/different number.  I am SO tired of this.  As far as this David person claiming they are collecting on the guidelines of the FDCPA- I can assure you that YOUR FIRM IS NOT FOLLOWING THE GUIDELINES.  I have been told I am going to be arrested-"only god can help you now", "you are not above the law"- I have several messages that have been left by this man and if you would like I would be happy to have you listen to them.  I have already filed a police report, I have filed complaints with the FTC.  If I need to get the FBI involved I will.


ADDITIONAL NAMES THIS PERSON GOES BY-

STEVE PAYNE
STEVE AUSTIN
TOM ROGERS/RODGERS
SCOTT ROGERS
JAMES BROWN
JAMES CLARK
OFFICER JAMES
KEITH APPLETON
JEFF HAMILTON
CHRIS JONES
JAMES MATHEWS

JUST SO YOU KNOW ALSO I HAVE WRITTEN DOWN ALL THE VARIOUS FAKE NUMBERS FOR YOU TO CALL.  FUNNY HOW NONE OF THESE NUMBERS THAT FOLLOW ARE 1-800 OR 1-866 NUMBERS...

EVERYTIME THE SAME IDIOT THAT CALLS MY PLACE OF EMPLOYMENT AND/OR HOME RESIDENCE IT IS LISTED AS A LOCAL CALL.  I HAVE CALLER ID AT MY JOB :) SO EACH TIME HE CALLS WE KNOW EXACTLY WHO IT IS...WHEN HE CALLS HOME OF COURSE IT'S A DIFFERENT NUMBER BUT LOCAL IN MY AREA OF COURSE

LOCAL NUMBER HERE IN INDIANA HE USES IS 574-320-7014
WHEN HE CALLS MY HOME NUMBER IT IS- 574-584-7024 ( CALLER ID IS A WONDERFUL TOOL)

OK- ALL THE DIFFERENT NUMBERS HE HAS CONTACTED ME OVER THE PAST 2 YEARS

954-607-4512
970-514-7006
415-880-5599
818-338-2405
215-207-0573
252-317-4211
971-005-5934
202-658-7120
713-366-8135
813-283-0473
315-333-4011
818-688-7218
888-909-6789-THEY STOPPED USING THE 1-800 NUMBER LMFAO
615-369-0414
214-245-1402
910-000-0000-00
713-366-8134
(100)-002-4211
832546128

DAVID-IF THAT IS YOUR REAL NAME- JUST SO YOU KNOW AND WHOEVER FROM YOUR COMPANY IS READING THIS-WHEN I FILED MY COMPLAINTS AND CONTACTED THE FBI I GAVE THEM ALL THESE NUMBERS. IF AND I MEAN IF YOU SEND ME SOMETHING IN WRITING REGARDING THE DEBT LIKE I HAVE REQUESTED FOR THE PAST 2 YEARS I WOULD PAY IT ONLY IF IT'S A LEGIT VALIDATION.  

THESE ARE GOOD PEOPLE ON HERE- WE ARE NOT SO SURE ABOUT YOU THOUGH- WE ARE NOT PAYING YOU PEOPLE A DIME WITHOUT ANY PROOF WE OWE THE DEBT.  I STILL HAVE ALL THE MESSAGES SAVED ON MY ANSWERING MACHINE THAT I AM IN THE PROCESS OF SENDING TO THE AUTHORITIES.  I AM NOT TAKING ANY MORE CALLS FROM THAT ***HOLE!  SO, EACH TIME HE CALLS HE IS WASTING BOTH OF OUR TIMES!!!

OTHER NUMBERS TO WATCH OUT FOR: DO NOT TAKE ANY OF THESE CALLS!

615-369-0414
646-652-0716
646-810-8639

these people called me last night and informed me that i should expect to be arrested Monday after 2pm. i will believe it when i see it. They are good at getting to you. I have already paid these people twice. and they are coming back for more. I paid them when i knew i did not have them all paid back. And i know now for sure that i do. I hope they get these people. Unfortunately, i do not have caller ID on any of my phones but my cell. I do not know who is calling until i answer. I too have been asking since 2007 for valid proof and they either cannot provide it or are making stuff up as they go. They got them once. they will get them again.

called stated a loan was obtained in 06 and i had to pay 549.50 total and 1/2 by friday

Hey Everyone,

     This is to make you aware about the prediction of the situation which gonna be unfolding on you sooner or later.

    Now guys if you had paid this already we suggest you not to pay again.

NOTE : IF YOU ARE SCAMED BEFORE DONOT TAKE THIS LIGHTLY.

If you thinking that this will be the same so we suggest you to call us back help us with your concern Attorney's informations so we can deal accordingly.

Again

IF YOU GETTING ANY CALLS .......(PREDICTION OF SITUATION UNFOLD ON YOU NOT ON OTHERS)


Thanks,

David

they refuse to provide proof that i took out the loan and are saying that they will be prosecuting me for not paying them back. they are saying i am lying. I know i paid them all back. i have not had any pay day loans in over 2 years. He is now talking to my father(another illegal thing according to the fair trade collection act of the United states of America). I am not paying this again. it is a shame that they will not provide proof the way the legitiment ones do. I will once again report them to the state attorney general and i will also file a report with my local police department.