240-342-4143
MD, US
Linthead
Linthead
2011-06-16 16:52:38
Unknown
Have recieved two calls form this number in the past week claiming I owe them money. They refuse to prove it by FAXing or emailing proof. Reverse number listings is that it is a cell phone. These people need to be caught and prosecuted.
Karen
Karen
2011-06-06 20:44:06
Unknown
Very strange, foreign voice, not good English, claiming to be calling from the Financial Crime Investigative Unit about a pay day loan  (which I do have, but which is being paid as agreed upon).  Wanted to have me make payment right now.  I hung up on the caller twice.
Margie
Margie
2011-06-06 20:44:06
Unknown
left message on my home phone - foreign accent - saying they are calling from US credit bureau about some legal document
mary
mary
2011-06-06 20:44:06
Unknown
this guy is david cooper leave a voicemail calling from the financial crime investigative unit about a loan.. make me scared that he knows my full name.. i found out thru website that its a scam.. im trying  to call his number and its not working anymore!!! beware everyone.
Not so easily duped!
Not so easily duped!
2011-04-14 19:52:36
Debt Collector
I got a call from the "Andrew Wilson person today for my son. It cam from a magic jack connection with a voicemail. He said he was from FCI- Federal Crimes Investigation. He used this number 240-324-0401. So beware out there they have yet another number. I called him back and told him I was my son and to Please repeat this matter because I wanted to record it for my attorney and he got mad and hung up...what an idiot!
Cyd Grove
Cyd Grove
2010-12-19 00:58:14
Prank Call
Heavy Indian Accent ...Named "DAVID COOPER" with Financial Crimes Unit (409) 622-3461. He didn't even get my first name correct. What a loser.
Jenn
Jenn
2010-11-28 01:33:28
Prank Call
I received a call from David Washington claiming to be with the Financial Crime Investigation department. He basically told me all of the same things that have already been reported. Only he did this on my voice mail because I do not pick up unidentified calls. I have never applied for a payday loan, so I am not sure where this comes from. However, the moron was stupid enough to leave a number where I could contact him, 409-622-3461. I did a reverse look-up on the number and it is a cell phone number out of Kirby, TX. I can't wait until Monday when I can call my attorney general's office!
Thomas Wimsatt
Thomas Wimsatt
2010-10-29 20:33:44
Debt Collector
I just recieved a call from one of these indiviuals claiming to be David Washington.  These dudes are a riot. It felt like I was in the middle of an outsource screening.
Terrie Fuell
Terrie Fuell
2010-10-28 16:36:32
Unknown
Someone is calling my son from that number, saying that he owes a payday loan from 2009, needless to say he does not.  I called the number back and of course got a recording saying that the person was unavailable but to leave a message.  I left the message that my son does not owe any payday loans of any kind and if they continue to call they will be reported.  Oh my son did say that it was a lot of background noise, made it hard to hear.
fernando
fernando
2010-10-20 18:04:01
Unknown
i have a indian guy witth worst accent then mine lol tell em he is danzel wasshignton special agent i told him that i am a police officer and that  we know he is in india and well he hang up. phone number 2403424143
MAD
MAD
2010-10-07 15:41:42
Debt Collector
I have recieved multiple calls from these people from multiple numbers with multiple names. Yeah because i believe the deep forgien accent is associated with the name ron collins or andrew wilson LMAO. He gave me a fake reference number and said he was from the financial crime investigation department. Claimin i had multiple violations and check fraudand theft by deception. So I got a little pissy with him demanding i know where this was coming from and of course he could not tell me and that i knew he was fraud which in turn mad him upset. He hung up on me and had the odassidy to call me back telling me he has put a red mark on my affidavit and i will be prosecuted and BEHIND BARS. What a Duche.
Powers0820
Powers0820
2010-09-29 18:16:13
Debt Collector
Received a call stating my boyfriend took out a loan and unless I want the legal problems have him call them. They were from India and stated he was officer something and was in the fraud investigations unit. They said he will be thrown in court! I called the Ohio Attorney Generals Office and made a complaint, they said don't answer the phone for them again.
lormar
lormar
2010-09-29 14:27:00
Debt Collector
Recieved a call from this number this am 4 different times his name was Andrew Wilson, told me if I did not listen I would be in jail today.  He also used crude words I will not put in.  Bottom line, never take out a payday loan, they sell your info and then these people try to scam you for money.  I agree just hang up but ALSO report this number with as much info to the FDC and anyone else you know.
The Saint
The Saint
2010-09-16 14:23:23
Unknown
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.

http://800notes.com/Phone.aspx/1-646-274-1143/3
MLo
MLo
2010-09-16 14:23:18
Prank Call
They have contacted me twice. and said the same thing both times. that i took out a loan online and that i owed them money and if i didn't pay they would file criminal charges against me. but when i asked the name of the lender he couldn't tell me. then i asked how much and he said it was for 75 dollars.. lmao... even if i did have a loan no one would sue you for 75 dollars. i told him i'd already contacted the attorney general about the last phone call and that i would be reporting him to the fbi when i hung up the phone. i also told him that if he was from the credit bureau that he would know i have an identity fraud alert at all of the credit bureau's. he then hung up on me. and everytime i tried to call back he would keep hanging up on me.. not very professional for someone who works for the government lmao. don't give these people crap and if they contact you. you should contact the credit bureau immediately in order to protect yourself from any fraudulent activity.
SpecialK
SpecialK
2010-09-16 14:02:44
Debt Collector
I got a call from someone with a very strong accent stating they were from the Credit Bureau, and that I had made a loan in Dec 2009, and they have an affidavit for it. They had all my personal and confidential information, including my address.  I said send it to me in writing. Well, I can't do that. So I said then I can not send you anything. If this was Credit Bureau they will send it in writing to my mailing address.  He said if you refuse, just sit and wait and watch for the police to come to your house.  I said OK and he hung up.
Lucas
Lucas
2010-09-15 15:34:51
Unknown
Yeah I got a call from this same fruitcake today 9/15/2010 with the same bull crap he tried to run on me earlier this year. Back then I went along with the do***ebag and asked him to give me the address to his office and whatnot, needless to say he backed down and tried overpowering me with his "authority"

Also threatened me with something going bad with my case blah blah blah.

Tell him to screw off and hangup. Strong advice: I never answer any unknown numbers, especially 800 or whatever. If it is a legit call the person will leave you a message.
LaToya
LaToya
2010-08-25 18:02:19
Debt Collector
This guy call me saying his name was Derrick Cooper and to call him back because I had a legal action pending against me. And if I didn't call him back then someone would come to my home or work. Funny things these same people contacted my mom a couple months ago with a different number saying the same thing.
mrsmickey
mrsmickey
2010-08-25 16:14:31
Unknown
yup this guy called me todayhe had a foreign accent saying that his name was Andrew Wilson from the credit bureau and that there was a case being filed against me and he even gave me a fake case number. Please if he calls you just hang up or if you want just to see what he says go on with the conversation but pleasse dont give him none of your bankor credit card info. They just want to scam people out of their hard earned money.
david kohler
david kohler
2010-08-09 16:15:18
Unknown
telling me my personal & confidential information has been lifted off of a legal document & that i need to call them, foreign accent claiming to work for US credit bearue.
1-602-732-4477 1-201-257-4082 1-604-871-2799
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