I got a call from these mofo's about some payday loan that I don't owe. They said that they were going to get a warrant for my arrest for defrauding the payday loan company. I told them to go ahead, I could use a free meal so go ahead and call the cops...I would wait for them. The mofo hung up.

Then I played with them. I used *67 to block my number. I pretended to be Jose Vazquez, and since I speak fluent Spanish, I spoke to them in Spanish. They didn't have anyone there who could speak Spanish. There is a "debt" for Jose Vazquez (a common name in Spanish) and drove them nuts trying to collect the $1500.00 Jose owed. They would get flustered. I called back, maybe six times, and had myself some fun at their expense.

Later, these mofo's did call my real number, saying that I was going to be arrested. I advised them that I had just uploaded a computer virus to their computer auto dialer. The number they called was VoIP number (magic jack) so it easy to fool them into believing that I had uploaded a virus. They haven't called back since. They probably went nuts trying to find the "virus" I uploaded to them..
Next time they call, have some fun with them.

This person called me today with the same message.  I contacted the police department and told my bosses about it because it scared me.  I also tried calling them back and a guy answered the phone and when I told him why I was calling he hung up on me.  The police suggested I file harassment charges on them as well as report them.  I plan on calling back and letting them know that I turned them in so they do not harass me at work, harass my employer, etc.  The guy told me "I will have you behind bars in the morning".  Scared me to death.

This james king from this number keeps calling me saying I owe money to someone and is going to have me arrested if I don't pay.  He doesn't even have the name of the company I supposedly owe money to.  This is a scam!!!

this is wrong could have given me a heart attack can anything be done to these people for this?

recieved a called this morning from this # a foreign gentalmen was on ph.said he was with the federal government and is was under investagation for fraud.they were filing a lawsuit against me did not want to accept payment.threathen me by saying they were gonna call my employer,get me fired and garness my wages.which didnt make sense to me.what can be done about these people calling and getting you worked up over these lies.say they were gonna send a federal agent to my job to pick me up.put in federal records so i will be denied credit.so i finally hung up after a co-worker told me it had happened to 3 other people on my job,this is wrong....

I just got the same annoying call from this number 3 times early this morning and the guy left messages saying that I'm being sued for an over due acct that I have never had nor heard of. I have heard about these types of scams before from a website that had a long lists of what types of scams that are out there and to be aware about...it's shockingly to say that how these people that are scamming ppl like us, can't just get a regular job instead of wasting their time harassing others for money. I also got a call from a guy claiming he's from a payday loan, and asking me to go to western union store to wire a payment first to ensure the amount I want to borrow. First of all, I never ever even apply for any type of payday loan. They are like leeches....doing any scams they can think of.

Got a crazy call from this number basically saying the same thing..but on the up side I got his info from this site to track phone calls...Name:Kenneth Fisher Address:1610 Sparta Dr. Duncanville TX 75137......Hopefully this helps out anyone who's been seriously harrassed and threatned like I have by this person

they are calling me from this number on my cell and work # they are very rude claiming to be someone from some type of collection agency and its very time sensitive that i contact them or have my attorney contact them and if not they wish me luck with whatever happens to me when i dont contact them. i get calls from them atleast 2-6 times a day. i dont answer the calls or call them back

They called me this morning as well. Again leaving me a message indicating it was urgent I called back within one hour. I called the number back where a "Mark Black" attorney indicated I had a federal government lawsuit against me. When I asked who was suing me they would not release any information to me. I gave this number to my Lawyer who called back 3 times and every time they would pick up and hang up, he advised me not to have any communication with them, they are contacting my work I do I get these calls to stop?

i have recieved a call from some company from this number stating that they have a case against my social i asked them not to call my work phone and to send the information in the mail. I also asked who is supposed to be suing me and he said that he doesnt have the information and i needed to contact someone else. I dont care what they have to say just want them to stop calling my job.

same thing here - just report it to your news station so they can let people know to be aware and also report it to the State Attorney Office and the Federal Trade Commission and have the number blocked.  Believe me if someone has a law suit against you, before they file they will give you opportunities to pay.  You know who you owe so don't be afraid, just take action to help fight this stuff.  I told them I was contacting the State Attorney Office and the Federal Trade Commission and that it shows on the internet that they have been making these calls. Guess what, no one has called me back.

Scared me to death thinking I was going to jail until I put the details in line and realized that no law firm would call like that.. but im calling the bank and credit bureaus tomorrow.

did anyone get letter sent to your work? they called me sayin the same things

yes they called me and they was very mean on the phone told me that they are going to put me in jail and I would never see my kids again, Then the guy hanged up on me and then when i called back it was a different name her have me... what a joke.....

they call with a lawsuit when I ask by who they did not gave me information, but they were going to send the police to arrest me if I did not want to take care of the matter with them I told they that I did not own anybody they hung up the phone.

this phone number call me today and said the same thing that they were going to send police to my work place to arrest me cause a had a law suit when I ask for information about who or what they hung up the phone I call many times but they dont pick up

This company did the same thing to me, called my job with this lawsuit stuff and even said I would be served at my job with lawsuit papers. I called back and was given three different names and then the fourth time I called back a recording came on saying that the number was no longer in service. I called that State Attorney Office and the Federal Trade Commission.

me too...threats, etc left on my voicemail. i returned call, asked THEM for name and info, he hung up. tried calling several more times only for them to hang  up pn me.  The man gave me the name of CHRIS MILLER..(fake of course) and that he was calling from Texas...LOL....

Same ..here..this number has harrassed me and threatens to have me arrested saying they have a law suit against me? I have no ideal where this is from and any debts I had were included in a BK so I am not even be contacted. I was told a past debtor may have sold the account to this Agency..ehomever they are and did not advise the debt was discharged in BK, How can I stop this harrassment?

I received a call from this number for an employee that works for our company, but this is not a contact number for him.  The person said his name was Kevin Johnson and it sounded like he had an Indian or Middle Eastern accent that he was trying desperately to hide.  He said the call was regarding the employee's "social security."  I passed the message along, but I am very skeptical.

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

Claims to be an Attorney and that they "wish me luck in jail" if I do not contact them. Total scam-- they've done this before claiming I have an unpaid Payday loan. The funny part is, I've never taken out a payday loan--smart fellows, they are. I'm sure they are calling from a call center somewhere in the middle east or Asia as the people calling are definitely foreign sounding. Scams, people! It's a scam! Don't give them any information!

This scam is ongoing.  It is possible to file FCC complaints against these people by going to the FCC website at http://esupport.fcc.gov/complaints.htm  While this is not a fast process if enough people file complaints the FCC will shut these guys down.  Yes they will just move and re-open but at least it will cost them some money.

I got a call too. The message that was left was so bad I couldn't understand one word, the accent was soo heavy. I called them to tell them to leave me alone, and the guy on the phone claimed to be an attorney and when I started asked what this was about he hung up on me! what real attorney is going to hang up on someone??? So I called back told them this is Bull***t and they need to leave me alone. I don't know what to do, it's annoying and I'm getting pissed!

I received a call on Thursday, November 3 from this number stating the same thing... I am being sued for a loan I stole and that I would loose my job.  Take note, this same group is now using a different number 818-638-72743 is what came up on my phone.  They need to be stopped from making these calls.  Who can handle this?

This company has been calling me @ work for my husband. Since I work for a law office I ask questions and they get flustered and upset and start calling me names. So then I just hang up:} and then they call me back and the cycle begins again.......

Its happing to me too. they thretend me with 3 charges one being crimanl which only new york state can charge me so i new then and there it was a scam.

Oh Mercy! They are doing the same to me and wont stop! Threatening to have me arrested if I don't pay money they say is to a "Pay Day Loans"! These people won't give me any information about themselves and claim to be from an attorney office- I called the police to file a grievance report!

I got a call from this number and it's a group who has been trying to scam me for almost a yr now.  they call from different numbers every few mo's.  they will stop for a few weeks or mo's then start again.  They are very forcefull, calling my work, my cell, etc.  They say it's very time sensitive and that i need to call or have my attorney call.  Always foreiners.  Sometimes i can't even understand them.  They have threatened to send police from New Jersey @ one point to come to Oklahoma and arrest me.  Ridicuouls claims.