916-458-5643
CA, US
Donna Rankin
Donna Rankin
2011-06-06 21:07:05
Unknown
I received 2 calls telling me that I had better get and attorney due to they have file a law suit against my ss # in dinging in 2040...
I called back and was called a F***ing A**hole B***h...he said f*** you and that he would love to f*** an old woman...first guys name is Patrick Johnson , the attorney they retain is Morgan & Associates.

This Patrick Johnson said he has my ss #
Donna Rankin
Donna Rankin
2011-06-06 21:07:05
Unknown
I received 4 calls telling me that I had better get and attorney due to they have file a law suit against my ss # in dinging in 2040...
I called back and was called a F***ing A**hole B***h...he said f*** you and that he would love to f*** an old woman...first guys name is Patrick Johnson , the attorney they retain is Morgan & Associates.

This Patrick Johnson said he has my ss #  said the last 4 digit
NOT EVEN OUR NUMBER JOYCE
NOT EVEN OUR NUMBER JOYCE
2011-03-30 21:09:15
Unknown
We moved away over 10 years ago and we disconnected our home phone # which was area code 530-458-5643. I'm sure after 10 years, the phone company as a business practice has since given our old # to someone else. BUT--------

The phone # that is calling people and harrassing you and others is apparently working on behalf of a law firm with connections in area code 916-458-5643.  This is a COMPLETELY different city and area of California from which never have lived.

It's JUST a major point in your anger "Joyce" that you mistakenly rushed to name me and my wife and you then guide others to the sheriff's office family that my father retired from and from which I served on the mounted search and rescue posse.

With your legitimate complaint Joyce, please get the right information to the right agency.  

You have accused an innocent party who has nothing to do with this unfortunate business practice.
Colusa County Sheriff - Civil Unit
Colusa County Sheriff - Civil Unit
2010-09-22 16:26:21
Unknown
Our office received another call today regarding the (916) 458-5643 number.  The most recent caller was from out of state and apparently did not understand the previous posting. This posting is in hopes of clarifying things.  

#1)  Our law enforcement agency number that had been provided by "Joyce" to call and report possible fraud is wrong.  The number "Joyce" provided belongs to the Civil Unit of the Colusa County Sheriff.  The Civil Unit does not investigate crimes, but serves process and enforces writs, etc.

#2)  Please understand that as much as our office would like to help you we are not able to do so.  This re-posting is an effort to avoid using up your valuable time and resources as well as our own.  

#3)  IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD, OR AN ATTEMPTED FRAUD, CONCERNING THE (916) 458-5643 NUMBER YOU NEED TO CONTACT YOUR OWN LOCAL LAW ENFORCEMENT AGENCY WHERE YOU LIVE OR WORK AS THE STARTING POINT.  Other Federal Agencies may also be able to help you such as the FBI, FTC, or Secret Service (concerning criminal activity that occurs from across state lines).  

Thank you.
Colusa County Sheriff - Civil Unit
Colusa County Sheriff - Civil Unit
2010-09-22 16:25:36
Unknown
RE:  Posting 06/10/10 by "Joyce"

Our Sheriff's Office civil division has received two out of state calls concerning the above posting by "Joyce" on 06/10/10.  Please understand that the number in question, (916) 458 - 5643, has no relationship to the Colusa County Sheriff's Department, and is not within the jurisdiction of Colusa County.  The Colusa County Sheriff's Office has no information to provide concerning this telephone number.  The (916) prefix is actually located outside of Colusa County, in the greater Sacramento area of California.  The name and address (and our Sheriff's Department) referred to by "Joyce" in the posting is in the (530) prefix, not the (916) prefix.  The information provided by "Joyce" was in error.

As a helpful suggestion, never give out personal information over the telephone from unsolicited and unconfirmed sources.  If you believe you have been the victim of fraud or identity theft, please contact your own local law enforcment agency having jurisdiction where you reside for further assistance.  Check your credit reports to determine whether or not fraudulent acitivity may have occurred using your personal information.  Report any suspicious activity on your credit reports to your own local law enforcement agency and to your credit reporting companies.  Also check with the FTC (Federal Trade Commission) website for further information and reporting of identity theft/fraud.

Deputy Pearson #210
The Saint
The Saint
2010-09-22 14:48:42
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
louise hart
louise hart
2010-09-22 14:39:06
Debt Collector
I have received numerous calls from this company stating I am being sued for check fraud etc.  The number I call back is a mailing list number.  They state I am going to be put in jail and taken to court.  Thank you for this site I was getting very upset thinking I was in Federal trouble.
bob
bob
2010-06-11 22:10:25
Unknown
why the f*** do you guys type in caps
mary
mary
2010-06-11 19:16:26
Debt Collector
THIS IS BOGUS - THESE GUYS USED A DIFF # TO CONTACT ME ABOUT 2 MO AGO; THEY'RE A SCAM; FBI/FTC WAS NOTIFIED AT THE TIME; I SUGGEST YOU FOLKS NOTIFY THEM AGAIN AND SAVE ANY MESSAGES THEY LEAVE. I CALLED BACK & GOT A VOICEMAIL AND LEFT THE MOST VILE MESSAGE THAT I COULD. I SUGGEST YOU DO THE SAME...PLEASE, PLEASE, DO NOT GIVE OUT ANY PERSONAL INFORMATION (CREDIT CARD, ETC.,) AS THEY'LL USE IT AND YOU'LL HAVE TO FIGHT W/YOUR CREDIT CARD CO TO GET THE CHARGES REVERSED. THEY'RE BOGUS, AND BASED OUT OF INDIA. PLEASE BE REST ASSURED THAT YOU'RE NOT BEING SUED OR ARRESTED OR FIRED, ETC., JUST CALL THEIR BLUFF AND THEY'LL LEAVE YOU ALONE.

PLEASE DO NOT WORRY - THEY'RE BEING INVESTIGATED (MAKE SURE YOU MENTION THAT THEY ARE AND THAT THE FBI HAS BEEN NOTIFIED)
joyce
joyce
2010-06-10 20:11:42
Unknown
I HAVE ALSO RECEIVED CALLS FROM A GUY WITH A VERY HEAVY ACCENT, SAYING I WAS GOING TO BE SUIED. VERY RUDE. COULD NOT GET ANY INFORMATION FROM HIM HE GOT VERY ANGRY, I SEARCHED THE NUMBER AND IT SHOWS IT BELONGS TO A RENEE/LARRY GARRISON. ADDRESS 41 fLORIND DR, COLUSA CA 95932. i CALLED BACK AND ASK FOR THE GARRISONS KEEP TELLING ME IT WAS MORGAN AND ASSOCIATES VERY RUDE. THE SHERIFF IN COLUSA IS SCOTT MARSHALL. PHONE NUMBER 530-458-0227. THE ONLY THING I KNOW TO DO IS CALL AND REPORT THEM!!!!
Montana
Montana
2010-06-08 22:43:06
Unknown
I recieved a phone call stating that my friend/family member was being sued and i rarely even talk to this guy anyways. Told me that if I wanted to get my name off the "legal calling list" then I jsut need to ask my friend to call him back. I havent called back dont think I need too as this has nothing to do with me. so whatever I guess
Donna Rankin
Donna Rankin
2010-06-03 20:59:32
Unknown
I received 4 calls telling me that I had better get and attorney due to they have file a law suit against my ss # in dinging in 2040...
I called back and was called a F****ng A***ole Bi***...he said f*** you and that he would love to f*** an old woman...first guys name is Patrick Johnson , the attorney they retain is Morgan & Associates.

This Patrick Johnson said he has my ss #  said the last 4 digit
Donna Rankin
Donna Rankin
2010-06-03 20:56:20
Unknown
I received 2 calls telling me that I had better get and attorney due to they have file a law suit against my ss # in dinging in 2040...
I called back and was called a F****ng A***ole Bi***...he said f*** you and that he would love to f*** an old woman...first guys name is Patrick Johnson , the attorney they retain is Morgan & Associates.

This Patrick Johnson said he has my ss #
tomas
tomas
2010-06-03 19:51:31
Unknown
i had a guy with a heavy accent left a message claiming that i have been sued for finicial crimes . i was not able to get any info about them . when i keep asking questions he said i will see you in court and hung up. anyone with a solution to handle this scammer .. please post it.
1-303-502-1198 1-647-717-4252 1-239-443-3940
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