NICE SERVICE

I keep getting calls from this number.  I can't even understand the man that is calling.  I don't know what he wants or even what his name is, he speaks so foreign to me.

I got several calls from this number.

These peope called me and said they was from www.samplewireless.com and gave a number of 760-582-0306.  They are lying like they are sales people from Tmobile, Directv and Vonage.  Then they ask for your name, date of birth, address, social security number and a credit or debit card number.  They even said it don't matter if the credit card has money on it or not.  He said it doesnt even matter if  it works he just need to put a card on the form.  They are middle eastern, I could tell they where lying and providing false information about Tmobile calling plans.

I just got hit with the same story, they called my work and told me I had a loan out there and if I didnt take care of it I would go to jail and have a felony fraud charge on me. They also said they didnt care I had kids and that they would make sure they would go to foster care and I would go to jail for three years. They really had me going until I did some investigating and checked into luckly I closed my bank account cause they said they had that and they were going to take the money out. This is so scary that they know everything about me and where I live and work.

This idiot called me at work 3 times today.  Threatened me with an arrest warrant, then told me I have a court date on Monday.  As if that wasn't enough they then called my mom and told her she was going to jail.  Please somebody catch these idiots.

you can relax. i got the same call yesterday. They had all my info also, ss# email and bank account #. i also had an attorney call them and they are totally fake and scammers. i filed a complaint with the FTC and the attorney general. the FTC already knew what i was talking about as they have gotten tons of calls for the same thing.

you will not go to jail, they are scammers. I filed a complaint with the FTC and attorney general.

LOL!  IM GONNA CALL THEM AND TELL THEM THEY ARE GOING TO BE ARRESTED FOR FRAUD B/C THEY OWE AN OUTSTANDING BALANCE ON THIER UNITED NATIONS CREDIT CARD HEHE!!

This is some GREAT info!  Thanks for sharing! I am printing this info and reporting to local PD and trying to get a hold of secret svc's or something.  These guys need to be stopped...this is WRONG!!

FAKE PAYDAY LOAN SCAM - LETS GET THESE CRIMINALS BACK!  CALL THEM AND HARASS THEM UNTIL THEY STOP USING THIS NUMBER!  THEY ARE CRIMINALS OPERATING IN ANOTHER COUNTRY AND DO NOT HAVE CALLER ID - JUST GIVE THEM A FAKE NAME, THEY JUST GAVE YOU ONE!

I spoke to a family friend who is a lawyer and he said i have to file a complaint with the local PD and report it.  these f'ers are going down!!! DO NOT GIVE THESE HINDI B*****DS ANY OF YOUR MONEY!!! IT'S A SCAM!!!!!!!!!!!!!

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

I cannot BELIEVE these people!!  I got this call a couple weeks ago on my cell phone voicemail.  I couldnt understand what the guy said since he spoke broken english with an Indian accent.  Then today (09/14/10)  he called my JOB!!!  My boss rolled the Voicemail over to my extention and I was in shock someone would call my job, threaten my life well being and everything else.  On the voicemail he also gave me ph# 7602841163 to call him  back.  Since I didnt understand the voicemail because of his terrible English, I called the number back and he told me I have charges in the state of CA for Fraud and that I have an outstanding loan with a lender for $1500 and some change.  I told him not to ever call my job or my cell phone ever again.  He threatened that I would be terminated from my job and treated like a criminal for the rest of my life.  He stated i will never be able to apply for a mortgage, car loan, etc ever again in my life and that i will do up to 3 years in prison for what "I did".  I never took a loan out EXPECIALLY online!! He threatend I will lose my job due to the charges.  He gave me options to either pay the fines PLUS the loan amount and PD as well as court fee's, get my own lawyer and handle it on my own (which he stated this option would put me in jail), or not do anything and the cops would come to my job or home and arrest me for fraud.  I spoke with the lawyers at my job who called him as my lawyer, he knew right away it was a scam and told him never to call my job or cell ever again.  Anyone know what I should do now?!?!?  Where do I report this!?!? This has to be stopped!!! He knew my DL#, SS#, place of residence, company name and ph#, what kind of car i drive, EVERYTHING!!!

I have a similar story from this shady company.  They are completely bogus.  When I told them that I would be HAPPY to pay them if they could supply proof thatI owed them money, they began screaming at me.  "Glen Smith" could hardly speak English.  The leat message to me was if I didn't call them back I "would be sorry".  I called the police and reported to the FTC.  Next call is to my attorney.

they called me and they knew everything about me,they said they were from the united something I couldent understand them,lol  they said I owe the goverment for froud whitch is not true, this so messed up. I hope they get busted.

These folks have been calling me for days now, sometimes several times a minute. They claim to be from United Nations Law something or other...this is a total scam. First I was told this was in reference to some loan I had. Today I was told it had something to do with an international credit card scam. They have no problem getting loud with you, I suppose to try and scare you into paying something. Watch out peeps! Are you kidding me...United Nations....you know that's some crap.

I feel completly stupid, I got a call in July saying they were going to charge me with fraud, theft by deception, etc. I had a loan out and thought it was that. Well I paid them so far a total of $450 and still owe $130. I got a call from the loan company that I do owe the money to and am resolving that. Where do I go from here? I got another call from them today saying I needed to pay the balance off within 48 business hours or I will be charged with all of these charges and possibly pay in excess of $5000 in legal fees, etc. So I am supposed to call them by 3:30pm to see if I can pay by next friday. I cannot afford to pay them, I cannot afford to go to jail. What should I do? I asked them to provide documentation, "Joe Brown" stated I could get the documentation from the courts after I paid my debt. I checked with the court and don't have a case on me. I feel dumb, but don't want to go to jail. Please help with what I should do.

Got a call from a company stating they were with the united nations legal department At my place of employment if i didnt send them money by 5pm they were going to put a warrant out for my arrest, WELL they have just made  a HUGE HUGE HUGE mistake I am from a family of attorneys. They are ALL over it, They stated my ss# to me I pray they try to use it everyone is aware credit goverment banks if they use my ss# for anything they dont no what hit them. My family has also connections with the FBI and they said they were aware . They are sick hateful people that have no right  to be in our country  GO RIP OFF YOUR OWN PEOPLE And just beware you are not going to get away with this. News stations have already been called yall will screw up somewhere and i hope im there to see it happen . I would fly across the world to put you people in jail. GO BUY A 7-11 like your brother. Its people like yourself that makes your country look bad its so so so sad you do this to people in todays times how do you sleep at night knowing that you are theives and robbers GOD KNOWS you cant hide from him

ANYTIME THESE PEOPLE CALL THEY R LYING BUT SOMEHOW THEY HAVE UR SOCIAL SECURITY WHICH ID FRAUD FRAUD  FELONY FRAUD CALL UR LOCAL POLICE AND MAKE A POLICE REPORT ASAP FOR UR PROTECTION SO IF ANY FUTHER ACTION IS USED BY YOUR SS NUMBER U HAVE A POLICE REPORT TO BACK U UP THEY HAVE TAKEN THE NUMBER WE ARE NOT GOING TO LET THIS FRAUD COMPANY GET AWAY WITH THIS

ANY ONE WHO GETS A CALL FROM THIS NUMBER THIS IS A HUGE SCAM UR NOT GOING TO JAIL THERE R NO COURT DATES THERE R MANY PEOPLE AFTER THEM AS WE SPEAK FOR FRAUD POLICE ATTORNEY GENERAL FLORIDA PUBLIC SERVICE COMMISON TRY THE GIVE AN ADDRESS TO THE CONVENTION CENTER AND A APT AROUND THERE PLEASE PUT ANY AND ALL COMMENTS ON HERE FOR IT WILL HELP AGENCIES

I got A call at my work and threated me with court date in califoina August 28 2010 the guy said he was Glen Smith and toi make the check out at Nick Miller . Wanted me to get a pre-paid drebit card, Said it was a bad dept from from bank went to bank to clear it up they have never heard of this company and they are going to call tha Attorney General they stated they qwere going to have me put in jail. I have also contacted the ATTORNY GENERAL and the local police. They stae they r out of Ssn Fransisco Calf


they ARE HUGE SCAM ARTIST AND IM FILLING COMPLAINTS  They need to get a real job they have a strong accent sounds MIDDLE EASTERN

these people called me on my job and threatend to garnish my wages,because they say i owe them money from a cash advance that was not paid.would not tell me when the transaction took place for how much,basically threatned to ruin my credit history.a female by the name of christine phillips called but i never spoke to her a man i believe name was doug or derek spoke to me and was very obnoctious and spoke to me as if i was his child.now every cah advance i have done was paid.and there is only two that i have delt with using this bank account.with this i really need help.

They called from 7605820306.

I just filed a complaint wth the FTC. This company called me today 6 August 2010.  The guy tells me his name is Mr. Rogers and that I have three lawsuits against me, and starts to read an affidavit. I told him to transfer me to someone who spoke English better than him, but he gets back on the phone pretending to be someone else. When I asked what all of this was in regards to, he stated that that I was being sued by some type of loan comapny that is very small. When he said this I knew he was lying, I have no loans. So I told him to give me the information of the comapny that is suing me, he got so angy at me. He called me a B*****d and everything else... This is definitely a scam...