786-298-2556
FL, US
 | ANON 2014-05-30 13:43:39 Unknown |
DEBT COLLECTOR
| 2 Creative Not 2 Get Even 2012-11-13 16:30:39 Unknown |
Received an email from this individual, claiming to be an attorney & claiming they were going to "have me arrested" for a past debt with a company I have never had dealings with or even heard of. They did have a lot of my personal information, but it was very OLD info. They had address, phone & name of my employer...from 10 years ago! Googled the phone number in the email and found a ton of complaints saying it is a scam. I am not calling them back or emailing back--just don't feel like wasting my time on someone that can't seem to do legal or honest work for a living &/or just chooses to try to scam honest people out of their money.
| Rica 2012-09-13 23:38:24 Unknown |
It has been a year today since the harrassing calls and email. This morning at 5am the emails start. I wish they would just go and get a real job and quick trying to still our hard earned money. Thought I would vent to.
| Not gonna work....LOL 2012-06-21 16:38:40 Unknown |
Received an initial phone call from Carmen Jones. I recognized the scam from a prior unassociated one and "cut to the chase" and inquired about her true intentions. She got mad at me, I laughed and told her to never call me again. Later, she called my mom's house to no avail. Now I get to work and I have an email utilizing amateur verbiage........
CASE FILE. #:. M4169M
LOAN INFORMATION
My name is ATTORNEY ALAN BROWN . And as you know I have listed you as the primary suspect in question on a case being downloaded in
county today at time. The nature of my e-mail is to as certain your attorney information so that I can be able to fax the affidavits to your attorney
before the allegations are pressed. Do you have that information handy?
Now if you would please allow me to relay all the information from the affidavit to you first then ill address any questions you may have okay?
U.S. National bank Is pressing charges today against your name and S.S.N # Regarding three allegations. They are,
Count 1 VIOLATIONS OF FEDERAL BANKING REGULATIONS,
Count 2 COLLATERAL CHECK FRAUD,
Count 3 OKAY.THEFT BY DECEPTION,
Now they are further stating on The affidavit that on date you were monitored using your email soliciting funds on a website owned and
operated by US. National bank. The funds were deposited in your bank account Utilizing a E.F.T which stands for Electronic Funds Transfer.
When they attempted to extract the funds back the E.F.T was returned constituting under state statutes of an electronic check. As of today?s
date rather than chasing you or making harassing calls or disturbing you at your P.O.E for the money they have opted to simply write the
money off deeming it to be stolen and press charges against you in county at.
FOR YOU THIS MEANS THREE THINGS :-
1). If you?are on any state supervised probation or payroll you will need to contact the attorney and make them aware that these charges will
constitute a violation.
2). If you have any prior convictions including but not limited to worthless checks , grand theft or money laundering please be aware they will
treat your case of that of a habitual offender as name the respective state is a zero tolerant state.
3). Lastly you do have the right to an attorney and if you cant afford one , then one will be appointed to you . Now since you?ve not been briefed
on the case I?HAVE INFACT documented HERE that once you are picked up on the charges that you need to have on appointed to you. That way
if the judge sets a bail you can have someone on the standby to get you out.
EXPLANATIONS OF ALLEGATIONS :-
1). VIOLATION OF FEDERAL BANKING REGULATIONS.
Regulations have been set in place for the exchange of the currency via and/or check E.F.T. which means Electronic Fund Transfer by state and
federal law making bodies and you have breached those regulations.
2). COLLATERAL CHECK FRAUD.
Utilizing an instrument of commerce to as certain some good or service and upon the remittance of that instrument of commerce It proves to be
of no value.
3). THEFT BY DECEPTION.
You willingly gave an instrument of commerce with the knowledge that it was actually useless.
If you want to resolve this matter then immediately contact me
ATTORNEY ALAN BROWN
12526 CARL AVE. 124,
Houston, TX 78205, USA
786-298-2556
Caller: Carmen Jones (Locator)
CASE FILE. #:. M4169M
LOAN INFORMATION
My name is ATTORNEY ALAN BROWN . And as you know I have listed you as the primary suspect in question on a case being downloaded in
county today at time. The nature of my e-mail is to as certain your attorney information so that I can be able to fax the affidavits to your attorney
before the allegations are pressed. Do you have that information handy?
Now if you would please allow me to relay all the information from the affidavit to you first then ill address any questions you may have okay?
U.S. National bank Is pressing charges today against your name and S.S.N # Regarding three allegations. They are,
Count 1 VIOLATIONS OF FEDERAL BANKING REGULATIONS,
Count 2 COLLATERAL CHECK FRAUD,
Count 3 OKAY.THEFT BY DECEPTION,
Now they are further stating on The affidavit that on date you were monitored using your email soliciting funds on a website owned and
operated by US. National bank. The funds were deposited in your bank account Utilizing a E.F.T which stands for Electronic Funds Transfer.
When they attempted to extract the funds back the E.F.T was returned constituting under state statutes of an electronic check. As of today?s
date rather than chasing you or making harassing calls or disturbing you at your P.O.E for the money they have opted to simply write the
money off deeming it to be stolen and press charges against you in county at.
FOR YOU THIS MEANS THREE THINGS :-
1). If you?are on any state supervised probation or payroll you will need to contact the attorney and make them aware that these charges will
constitute a violation.
2). If you have any prior convictions including but not limited to worthless checks , grand theft or money laundering please be aware they will
treat your case of that of a habitual offender as name the respective state is a zero tolerant state.
3). Lastly you do have the right to an attorney and if you cant afford one , then one will be appointed to you . Now since you?ve not been briefed
on the case I?HAVE INFACT documented HERE that once you are picked up on the charges that you need to have on appointed to you. That way
if the judge sets a bail you can have someone on the standby to get you out.
EXPLANATIONS OF ALLEGATIONS :-
1). VIOLATION OF FEDERAL BANKING REGULATIONS.
Regulations have been set in place for the exchange of the currency via and/or check E.F.T. which means Electronic Fund Transfer by state and
federal law making bodies and you have breached those regulations.
2). COLLATERAL CHECK FRAUD.
Utilizing an instrument of commerce to as certain some good or service and upon the remittance of that instrument of commerce It proves to be
of no value.
3). THEFT BY DECEPTION.
You willingly gave an instrument of commerce with the knowledge that it was actually useless.
If you want to resolve this matter then immediately contact me
ATTORNEY ALAN BROWN
12526 CARL AVE. 124,
Houston, TX 78205, USA
786-298-2556
Caller: Carmen Jones (Locator)
| Not gonna work...LOL 2012-06-21 16:35:20 Unknown |
Received an initial phone call from Carmen Jones. I recognized the scam from a prior unassociated one and "cut to the chase" and inquired about her true intentions. She got mad at me, I laughed and told her to never call me again. Later, she called my mom's house to no avail. Now I get to work and I have an email utilizing amateur verbiage........
CASE FILE. #:. M4169M
LOAN INFORMATION
My name is ATTORNEY ALAN BROWN . And as you know I have listed you as the primary suspect in question on a case being downloaded in
county today at time. The nature of my e-mail is to as certain your attorney information so that I can be able to fax the affidavits to your attorney
before the allegations are pressed. Do you have that information handy?
Now if you would please allow me to relay all the information from the affidavit to you first then ill address any questions you may have okay?
U.S. National bank Is pressing charges today against your name and S.S.N # Regarding three allegations. They are,
Count 1 VIOLATIONS OF FEDERAL BANKING REGULATIONS,
Count 2 COLLATERAL CHECK FRAUD,
Count 3 OKAY.THEFT BY DECEPTION,
Now they are further stating on The affidavit that on date you were monitored using your email soliciting funds on a website owned and
operated by US. National bank. The funds were deposited in your bank account Utilizing a E.F.T which stands for Electronic Funds Transfer.
When they attempted to extract the funds back the E.F.T was returned constituting under state statutes of an electronic check. As of today?s
date rather than chasing you or making harassing calls or disturbing you at your P.O.E for the money they have opted to simply write the
money off deeming it to be stolen and press charges against you in county at.
FOR YOU THIS MEANS THREE THINGS :-
1). If you?are on any state supervised probation or payroll you will need to contact the attorney and make them aware that these charges will
constitute a violation.
2). If you have any prior convictions including but not limited to worthless checks , grand theft or money laundering please be aware they will
treat your case of that of a habitual offender as name the respective state is a zero tolerant state.
3). Lastly you do have the right to an attorney and if you cant afford one , then one will be appointed to you . Now since you?ve not been briefed
on the case I?HAVE INFACT documented HERE that once you are picked up on the charges that you need to have on appointed to you. That way
if the judge sets a bail you can have someone on the standby to get you out.
EXPLANATIONS OF ALLEGATIONS :-
1). VIOLATION OF FEDERAL BANKING REGULATIONS.
Regulations have been set in place for the exchange of the currency via and/or check E.F.T. which means Electronic Fund Transfer by state and
federal law making bodies and you have breached those regulations.
2). COLLATERAL CHECK FRAUD.
Utilizing an instrument of commerce to as certain some good or service and upon the remittance of that instrument of commerce It proves to be
of no value.
3). THEFT BY DECEPTION.
You willingly gave an instrument of commerce with the knowledge that it was actually useless.
If you want to resolve this matter then immediately contact me
ATTORNEY ALAN BROWN
12526 CARL AVE. 124,
Houston, TX 78205, USA
786-298-2556
CASE FILE. #:. M4169M
LOAN INFORMATION
My name is ATTORNEY ALAN BROWN . And as you know I have listed you as the primary suspect in question on a case being downloaded in
county today at time. The nature of my e-mail is to as certain your attorney information so that I can be able to fax the affidavits to your attorney
before the allegations are pressed. Do you have that information handy?
Now if you would please allow me to relay all the information from the affidavit to you first then ill address any questions you may have okay?
U.S. National bank Is pressing charges today against your name and S.S.N # Regarding three allegations. They are,
Count 1 VIOLATIONS OF FEDERAL BANKING REGULATIONS,
Count 2 COLLATERAL CHECK FRAUD,
Count 3 OKAY.THEFT BY DECEPTION,
Now they are further stating on The affidavit that on date you were monitored using your email soliciting funds on a website owned and
operated by US. National bank. The funds were deposited in your bank account Utilizing a E.F.T which stands for Electronic Funds Transfer.
When they attempted to extract the funds back the E.F.T was returned constituting under state statutes of an electronic check. As of today?s
date rather than chasing you or making harassing calls or disturbing you at your P.O.E for the money they have opted to simply write the
money off deeming it to be stolen and press charges against you in county at.
FOR YOU THIS MEANS THREE THINGS :-
1). If you?are on any state supervised probation or payroll you will need to contact the attorney and make them aware that these charges will
constitute a violation.
2). If you have any prior convictions including but not limited to worthless checks , grand theft or money laundering please be aware they will
treat your case of that of a habitual offender as name the respective state is a zero tolerant state.
3). Lastly you do have the right to an attorney and if you cant afford one , then one will be appointed to you . Now since you?ve not been briefed
on the case I?HAVE INFACT documented HERE that once you are picked up on the charges that you need to have on appointed to you. That way
if the judge sets a bail you can have someone on the standby to get you out.
EXPLANATIONS OF ALLEGATIONS :-
1). VIOLATION OF FEDERAL BANKING REGULATIONS.
Regulations have been set in place for the exchange of the currency via and/or check E.F.T. which means Electronic Fund Transfer by state and
federal law making bodies and you have breached those regulations.
2). COLLATERAL CHECK FRAUD.
Utilizing an instrument of commerce to as certain some good or service and upon the remittance of that instrument of commerce It proves to be
of no value.
3). THEFT BY DECEPTION.
You willingly gave an instrument of commerce with the knowledge that it was actually useless.
If you want to resolve this matter then immediately contact me
ATTORNEY ALAN BROWN
12526 CARL AVE. 124,
Houston, TX 78205, USA
786-298-2556
| Chelle 2012-04-17 17:16:19 Unknown |
I just received an e-mail too and they had my DL #, my ss# , previous address, place of employment and everything. So I emailed them back and asked what this was about because I didn't take out any loans in 2009 and all they emailed back was send me your phone number and we will discuss it. They were telling me I was going to be charged with check fraud, theft by deception, and violation of federal banking regulations, I was like wtf, I didn't even take out a loan. How did they get all my info? And what can I do about it?
| Dena 2012-01-23 19:59:50 Unknown |
I just got the same BS email today. Funny, they ask for your attorney's fax and I said if they didn't fax my attorney (my own unpublished fax number) by 5p CST with LEGAL AND LEGIT paperwork then I'd be filing charges against them. This usually gets them to stop. Funny, after emailing that this AM, they have called my cell about 19 times. I finally answered and told them I know this is a scam and if they continue I'd record the call and submit it to the authorities. they hung up like they usually do. Also, people- don't let them get to you. Although they have my personal info, they used a PDL company I know for a fact I have never solicited in the past and at the time they indicate. Furthermore, the email is riddled with typos. and, would the miami attorney general's office use a GMAIL account to email you???? NO! they will just serve your a** the papers if it's legit. Also, the number they provided was answered by a foreigner with a simple "hello?" not, "Miami attorney general's office." how stupid they must think we are. DON'T FALL FOR IT LIKE I DID MANY YEARS AGO AND AM OUT OVER TWO GRAND FOR IT. wish I knew about it then....
| Sad but True 2012-01-11 09:41:05 Unknown |
Forward that e-mail to the FBI: www.ic3.gov
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
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
| Sherri 2012-01-11 09:20:41 Unknown |
This guy emailed me also and threatened me with felony charges and he had alot of my personal info. saying that i got a payday loan from a company and didnt pay it back, I also typed in the phone number and it came to this page, who do i tell about this person.
| Ronnie 2012-01-07 06:07:21 Unknown |
I received an email from this so called Attorney regarding a loan with a bank that I never used. I tried to look him up and nothing, Then I entered in the number he put in the email and found this page. The scary part is part of the information that he has is correct. I do not know how he got it but I will be forwarding that email to the appropriate officials.
| Mandy 2012-01-06 16:57:10 Debt Collector |
just got a email and a phone call from this "Attorney" demanding payment for a payday loan that I did not have and wanting me to wester union the money person to person
| Alfred E. Nueman 2011-11-08 20:37:49 Debt Collector |
I just forwarded the message to the States Attorney. No worries.
| Bob 2011-10-22 18:24:02 Unknown |
Just got an email from the jerk telling me about a bank loan I haven't paid on. Filed bankruptcy on it about a year ago
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