2014-02-06 22:21:27
got a call from 877-373-5692 no message
against the law
against the law
2012-06-01 19:46:13
aint it a crime to harrass people should have someone to contact about the calls the owner of company should be sued...very disrepectful foreigners with fake names funny talking f****rs...no disrespect
2011-10-19 23:57:20
i got a call also, my fiance said I was not home and they hung up
2011-10-19 15:44:23
lending group
2011-10-14 15:23:36
I get numerous calls from this number,but only talked to them once,said i was approved for a payday loan.I said I am tired and sick of payday loans,they are TROUBLE,and i hung up.When you call,line is busy or sounds like a fax.
2011-10-10 21:15:49
these people are scam artist. They call ym phone everyday using fake names and saying ive been preapproved for a $1,500 dollar loan. Then they ask for all my personal information saying they need to confirm it. I asked for there website and they refused to give it to me and then they gave me one that didnt eve work. Beware of this and stay away from them.
2011-10-07 17:42:08
They did the same thing to me -- so I cussed him out right back.  Then they kept calling wanted to speak to my supervisor to get me fired.  So when they called back I said I was the supervisor and had fired myself.  They are a bunch of low lifes.
2011-10-07 15:22:48
I received a call from (214) 446-9831.  I did not answer that call since I don't know who it is and how they got my cell phone number.  What can we do to protect our privacy in this freaking nation??  Why do some freaking idiots bother people like that without our authorization?  Can law enforcement track those phone calls and make arrests on those people??
2011-10-03 22:21:09
Loan acceptness Co. ? Yea Right I don't give any thing to anyone that don't speak clear english.
samuel yoder
samuel yoder
2011-10-02 20:19:18
they keep harassing me at 785 393 0175
margaret mcdaniel
margaret mcdaniel
2011-09-25 01:05:54
i keep getting these phone calls on my cell phone from telemarketers about cash loans.  the problem is i did apply for an online cash loan and find out that my information is given a lot of people.  the last time was on sept. 24 late in that evening.  i told them i only wanted the 1500 dollar cash loan and not the credit card which would of cost me an application fee of $99.00.  when i continue to tell them that i do not want the credit card they hang up on me. now they have my information and i can't even make contact with them to decline the application.  the line is busy every time. one of the foreign guys that i talked to said his name was william smith a personnel loan officer and this is the number they called me on 1-214-446-9831.  they told me the money would be in my account in 24 hours.  if i is not there then that mean that i have been scamed and they will be debiting my account for a credit card application fee that i did'nt even agree to. what can i do?
keith bradshasw
keith bradshasw
2011-09-20 19:32:39
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:

Local Police
my state's Attorney General's office
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.


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
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:



http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:

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.


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?  


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

2011-09-19 23:40:10
Spam Calls Me
2011-09-19 14:33:24
I just called the link you provided: www.texlink and complained about the clls I have been getting from 214-446-9831. They confirmed to me that they were the service provider. I told them that hundreds of complaints have been made against this number and that if the provider does not stop then action will be taken. Constant calls from this number is disturbing to my elderly parents, who I am taking care of and every time my cell# rings  they get disturbed and anxious. I told them that this has to stop immediately.

I think all of you people should call this provider and launch your complaint so they take action.

Thanks to the persons who provided the link to Tex-Link Communications, Inc.
2011-09-18 14:43:35
This number keeps calling all days of the week, all times of the day... will definitely block.
2011-09-17 23:38:23
I am sooooo tired of them, they are calling me 4-10 times A DAY!!!
2011-09-13 21:49:02
Thanks for that infor. I was afraid of that as well. The same thing happen to me about two weeks ago from a different number. Now it sounds like the same people are calling from another phone number trying to tell me he had info he could give me on going back to school. I told him serena wasn't available and to call her back at 8pm. I got some choice words waiting for them too. Im at work still, and I could not say my choice words here, lol!!! But that helps me a lot. I was thinking bout my account infor as well. they even had my social security number and everything last time they called me. they called me from a 214 number.
2011-09-08 16:22:38
A man called me telling me that I was approved for a payday loan when I told him no thank you he called me a f**king bi**h! And hung up on me!
Michael T.
Michael T.
2011-09-08 00:30:16
I got a call today with the same 'fake' Anglo-Saxon name (Joe Anderson) - but a distinctly Indian accent. He was making a similar offer - a short-term or payday loan.

He takes a lot of information, then tells you a "loan officer" will be calling which isn't really accurate. He did say he was connected to http://phonecashloan.com/ ... but I did not verify this.

The person who calls you after "Joe From India <g>" (in my case Audrey) is actually a broker for a network of PDLs or lenders.
2011-09-07 14:14:22
I've been receiving tons of calls from this number and it's usually a hang-up. Sooo annoying.
2011-09-01 16:39:46
I got the same call and he said he knew where i banked and had my acct numbers and he spoke soe fking fast and in a foreign language.  I am afraid he will wipe out my acct
2011-08-30 16:15:48
I have been getting calls from this number and several others. I have them all blocked but the arab guys are still trying. They keep changing numbers to call me from.. I have about 20 blocked and they keep coming up with new numbers... How do we stop them????
Gwendolyn Clayton
Gwendolyn Clayton
2011-08-29 18:07:20
The telephone numbers are 714-464-8744 and 561-463-5521 and please block all strange calls from my home number 202-758-3345 as well as my CELL
2011-08-28 04:03:22
these ppl are criminals, i have read every complaint posted on this website and its funny how ppl are taken advantage of when they're in need. what is the government doing to protect our citizens? i am from the caribbean and we dont experience these types of scams it is a THIRD WORLD COUNTRY. how can a person from india call the U.S.A with a restricted phone number and access our information. we have money to build bombs, but we cant come up with a better way to protect the people who live here.People have reported this bogus number to the F.B.I AND THIS WAS YEARS AGO! they're all in this together in my opinion its a conspiracy. Our taxes is not enough, the government , the banks, with the help of outside scammers are getting paid. please read through the messages these criminals have a who network of numbers and u could be fooled again
2011-08-28 02:53:18
i got a phone call from that number 214-446-9831 but the number started with 1-214-446-9831. i filled out an application on line for a pay day loan. i recieved a called today from that number and the person whom was  speaking to me was asian and could barley speek english. they got my ssi number but i could not find my banking information. is this a legit company please help me
2011-08-26 19:37:10
I just received a phone call from 214-446-9831.  The gentlemen had a foreign accent and said he was calling from American Education Services (which is where my student loans are from).  He asked me if I would like to continue me education in the next 3 to 6 months.  When I told him that I was already taking classes for my masters he said that he was not talking about right now but 6 months from now.  I could hardly understand what he was saying so I hung up.
2011-08-26 18:17:31
This number called me and left a message told me to call wyan Martin at 2064530560 that I'm being sued for 22000 its a scam they can go f*** them selfsame they called yesterday from 9514890225 told. Me to call 9514890226 don't fall for there s*** don't give them any info they got ur info from applying for a loan online but they need ur approval to use it
2011-08-26 17:49:15
This guy somehow got a number I do not ever recall giving out, except for a few payday loan offers. So I know this caller is a scam. He said my nae on the message repeatedly, and his accent was definitely Indian.
2011-08-22 15:03:18
pissed off
pissed off
2011-08-21 20:51:09
call your bank i just did rep;ort it they'll call the cops they want info i suggest getting THERE info and call the cops on ur case theyll find them
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