954-607-4504
FL, US
wiso
wiso
2011-06-06 21:08:05
Unknown
Continuously calls and leaves no message.
Jose Lopez
Jose Lopez
2010-11-04 09:48:52
Debt Collector
I got call from a man that called himself Tom Brown.  he was an Indian guy with a thick accent. He wanted to settle a debt, out of court and wanted me to give him my credit card information over the phone
jackie
jackie
2010-11-03 15:11:55
Unknown
tom borwin is a idiot i wish theey wolud lock him up
jazzy j
jazzy j
2010-10-30 01:59:43
Unknown
These fools have been calling me all week and all day.. this is a SCAM..AND THEY SHOULD BE PUT AWAY FROM THIS.. TAKING BOUT HIS NAME IS OFFICER TOM BROWN FROM THE FEDERAL AGENT.. THE POLICE IS AFTER ME IF I DONT PAY THIS BILL..SCAM..SCAM..SCAM..AND THEN THEY GAVE ME THIS CALL BACK #954-607-4504..THE MORE QUESTIONS I ASKED THE MORE HE GOT UPSET AND STARTING GETTING MAD...
mickey
mickey
2010-10-28 20:45:06
Debt Collector
i  recvd a call from these scammers  ...for which i ended up paying 995$ thanks to the saint (homeland security) .. i applied for charge back .. and i got my money back ... i suggest all you people who have made payments to these scammers  .....apply for charge back and fight for your rights ......
The saint (Homeland security)
The saint (Homeland security)
2010-10-28 20:35:53
Debt Collector
You don't need to look up these numbers. Here it is:

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
Call Type: Debt Collector
Reply !
Regina Valencia
Regina Valencia
2010-10-22 13:38:35
Unknown
I got a call from a Dom Brown yesterday and he said he was a police officer with the financial crime invesagators and that i was in jeperdey losing my job going to jail and to have something happen to me. he said that I owe them for 702.00 for loans that i dont even konw about and when I asked him what loans places they were from he said there are over 7200 of them and he could not tell me witch on was the one he was calling about. He keep telling me that if I dont pay them they will be eather sending me to jail or i would lose my job and he heard my son in the back round crying and said i could also lose my kids i got upset and asked him if he can send me any paper work about who he is and about who is saying that i owe money to. He said he could only send me paper work when im done paying them off but cant get any paper work till then.I just fear that they might have gotten my cc # or my bank account # and will try to take money out
D
D
2010-10-17 18:40:07
Prank Call
when is this tom brown going down this is happening to two many ppl and i still call him evey day to see what he does and he always says a different name.......what a freaking idiot...........
D
D
2010-10-14 01:44:50
Unknown
haha i like that idea
unknown
unknown
2010-10-14 01:43:07
Unknown
i received a call today from tom brown he left a msg on my phone stating that he was a police officer/financial crime invesagator and i need to contact him back ASAP he stated that someone placed a complaint on me so he gave me a call back phone # of 9546074504,  so when i got home i called him he stated that im going to jail and that he dont have to give me any info about where he is at and what company he is for he also stated  that i owe him $392.00 and if i dont pay him he would make sure i would go to jail, i tryed to talk to him and get into his head but he would not let me talk and then he hangs up on me......that there did not make since cause no bill collect would act like that....so i called him back and he yelled at me not to contact him again....i must of called him many of times but he did not want to talk....he has my address and ssn# my work info...and he had my bank info untill i closed my account. all i have to say is that i called my local non emergancy police department and made a report tomorrow i will call the fraud dept and make sure that this will go furthur then letting these jerks get away with everything..............good luck to all............
a.b.
a.b.
2010-10-11 21:33:46
Debt Collector
this #  was calling  the guy calling said his name was john brown,when i spoke with him he said i had committe all these federal crimes, and if i didn't pay $499.00. he ask if i had any credit cards or debit, i told him no,he put me on hold for his supervisor mark henry, so now he the s.v. said i could send the money by western union, i ask for info on this company witch he, said he would call me back on friday to give me info where to send money,i persisted on him giving me some info. he then became angry because i told him i wanted to have him checked out ,he told pay now or pay with my life,that the authorities was gonna come to my house throw me down in front of my children, and arrest me,and since i wanted him to be checked out now i only had until 6pm tonight or else, so please beware of the men who english is awful
bankruptor
bankruptor
2010-09-08 20:51:32
Debt Collector
There's no way to stop them so lets just blow up their numbers so they can't use them anymore!  Go here http://www.dailyhaha.com/soundboards.htm  or Google soundboards and hit them with your best shot!  They're number is looped from a US number so they don't have caller ID and they're criminals, pirates actually so who cares, prank away!
Cat
Cat
2010-09-08 20:41:47
Debt Collector
This guy called today and stated that he was Stephen Johnson Federal Agent.  One problem, he has called me before and he is a scammer.  I busted him by calling him back and asking all sorts of questions of him.  He just hangs up when confronted.  He or this scam has been reported by me already.  One day, they will be caught!
jeannie
jeannie
2010-09-02 12:55:34
Unknown
I just got a call from the number 954-607-4504 He yelled at me yesterday saying that he was from Credit Fraud Department when I asked who hired him, what company he was from, he only got angry and demanded I verify my personal information. I told him I would only verify if he sent something in the mail. I hung up on him. He then left me a message saying that I would face the worse nightmare of my life behind bars and left my address and social on my voicemail. I got a call from my sister this morning saying he left a message from her. She called it back and he said he was a bill collector but would not give any other information. Name he gave was Adrian Walker. Spk with a thick Middle Eastern accent. I called him today after looking online and finding so many fraud alerts for this number called him back he answers the phone "Hello" I told him I reported him to my local police department and he hung up on me.
Lynne
Lynne
2010-08-31 17:11:10
Debt Collector
I just received a  voice message from "Adrian Walker", Abdul Mohomad is more likely his name. He started he as from "The Crime Investegation Department" and that I was not to ignore his call. He had my SS# and I'm sure alot more personal information. He stated that it was time urgent and I was to call immediately after hearing this message. Sorry Adrian, I'm not that big a fool.  Thanks to all of you that have reported this scam. Thanks for the information and heads up. We need to keep supporting each other.
jennifer
jennifer
2010-08-26 20:26:15
Debt Collector
Therse people called saying he was officer White and said that my husband owed $386.00 and the FBI was going to arrest him. We asked to speak to a supervisor and got a Mark Henry who spoke worse english than the 1st jerk.  After googling the number and finding this site it confirmed my suspision of this being a scam. When I told him I knew who he was and we were going to call the police, he started asking me if I wanted to have a one night stand. What A** H****. Thank you for the info on this site
Chazheart303
Chazheart303
2010-08-11 20:48:31
Unknown
My wife keeps getting calls from 954-607-4504 one day per month.  Two months ago they called telling her she owed for Pay day loans in which she has never had.  When they could not get ahold of her; they called and left me a message.  I called them back and they refused to talk to me. Last month they called again and my wife told them where they could put something.  They started calling again today saying they are part of a Federal Investigation.  We are tired of getting these calls.  My wife was beside herself the first time; even crying.  They are brutal and continue to harass people and undoubtedly; they do get people to pay and feel they can get more.  There has to be a way to stop these crooks.  Natioanl attention in the media maybe so innocent people do not get scammed any more.
Ellie
Ellie
2010-08-06 22:47:52
Debt Collector
These fools called me today about a legal matter for one of my grown children.  When I explained that this child was ill and had been ill and under Dr.s care for 4 months, he persisted that I take a message. I told him that I was in no way accepting responsibility for any "legal matters".  He asked what my relation to my child was, I said mother, then he proceeded to tell me child's address, phone #, ss#  way too much info.  Then he told me that  Federal, State, & City charges were being filed against my child and if I didn't settle this today by paying $286.00 settlement of a $950.00 charge, that Federal Marshall's would be at the door to arrest  on Monday because these were Federal Charges :  Violations, Fraud, Theft by deception.  I asked for the name of the company that originated these charges and all that they (caller & supervisor) could tell me was some name that I could not understand because of their heavy accents.  They said that this co. represents 27 companies and they could not give me all 27 names.  They wanted to know if I would settle this matter now, I told them no.  They wanted to know why a mother wouldn't protect their child.  When I told them that I didn't know who they represented or anything about them - that they could be calling from India, Hatti, Canada or Mexico the supervisor replied that I doubted his identity and he cold give me no more info., but he felt very sorry for me because I was facing the worse times of my life.  They must not know much about U. S. Laws: you can only discuss someone's legal matters with another person if that person has been given prior authority to talk on their behalf.  They gave me the call back # 954-670-4504 before I questioned their identity.





;
Bel
Bel
2010-08-06 13:22:53
Unknown
I also received a call Wednesday, August 3, saying that my husband (who had an aneurysm a few years ago} is under federal investigation for crimes of three statutes (I could barely understand this man).  He said his name was Tom Brown and wanted my account numbers.  I told him this did not sound right and I wanted something in writing because I believed it was a collection agency. I said send it to the address he had.  He told me to fax my intent to him,  I am skeptical about this and now worried about what I should do.
sic_of_scammers
sic_of_scammers
2010-08-06 03:03:54
Unknown
http://abcnews.go.com/Business/story?id=5621205&page=1


abc news peice on the scammers
sic_of_scammers
sic_of_scammers
2010-08-06 03:02:00
Unknown
Yes report it to the local police they are fraud debt collectors
This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)

The bottom line is, these are criminals trying to steal your money.

A consumer posting a complaint about these same scammers at http://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.
Anthony Montano
Anthony Montano
2010-08-06 02:54:13
Unknown
I received a call from someone named Mark Henry. He was saying he was a federal agent and that I owed some money for a bill on my credit report. He had a strong accent. Sounds like he is from India. He was threatening me stating he was a police officer and that the local law enforcement was going to arrest me. The scary thing is he had my SS# and my home address. What can I do about this? It sounds like what I need to do is report this as Identity Theft.


Anthony Montano
Cris Pena
Cris Pena
2010-08-03 21:05:46
Debt Collector
I keep receiving calls from a Tom Brown and Mark Wilson etc. He has got a hold of bank debit card information and some more personal information from online. He continues to harras me at work and my personal cell phone number. I've told them i know there a scam and to stop.

I want these people punished for what they have caused me. I had to cancel my bank accounts and other auto bills i had, making my monthly schedule all messed up and got my creditors up set. I'm very upset and frustrated by this.

Sincerely,
Cris Pena
JBG
JBG
2010-08-02 21:51:39
Unknown
I recieved a call from 954-607-4504 from a guy names Adam Smith stating he was a federal agent. He had my name, address, ssi#, and phone number. At first, he would not tell me the names of the company he worked for and I asked to speak with his supervisor. I have not spoken to a supervisor as of yet. I told he would need to send me something in the mail. I have not received anything and he keeps calling my job. One time he called and stated to one of my co-workers that I would be sorry if I didn't return his call.
Heidi
Heidi
2010-07-23 22:10:41
Debt Collector
This Marc Henry called me at my workplace today 3 different times, threatening to have a warrant for my arrest, etc.  He said I received a cash advance in 2009 and I told him that I didn't even live in this country in 2009 but he still wouldn't stop.  I told him he was a fraud and I wanted to speak to his supervisor, he said there was noone above him and then he said that he was writing up a report to send to his headquarters.  I asked him the number to his headquarters and he said he's not authroized to give that out.  I also called the cash advance company that he said he was representing and they had no history for me.  HE IS A FRAUD!!!!!!!
getting even
getting even
2010-07-23 20:51:00
Debt Collector
I verified with the local PD, FBI, FTC and the attorney general that this is a scam and not even a real debt collector.

I called them to get them on tape and the person on the other end "mark henry" threatened me with a felony charge, termination of my employemnt and then rape and death threats on myself and my family.  I filed a police report and turned over the mp3 of the call as evidence.  I was urged to contact the FBI as this is across multiple state lines and considered a federal case.  I am currently working with an attorney that was provided for me by the FTC(thanks guys) to track down and sue this b*****d.
Upset
Upset
2010-07-23 20:19:44
Debt Collector
i received a call from him he said his name was adam smith calling about a complaint in my name. He also said he was a Federal Agent. And he wanted a credit card payment up front. He stated I recieved a check over the phone. I told him to send it to me in writing then hung up. The nerve.. I was so upset I went straight to the internet and look what i found. WOW .. This guy must think I'm stupid. Thanks for the info guys I will be reporting this.
MARIA
MARIA
2010-07-21 19:37:29
Unknown
I RCVD A CALL FROM MARK HENRY ALSO,.......BUT HE WAS CALLING FOR MY MOTHER AND HE HAD ALL HER  PERSONAL INFO..... AND WANTED ME TO PAY....THE MORE QUESTION I ASKED HIM HE SEEMED TO GET OFFENDED AND RAISE HIS VOICE....SO I DID BACK AT HIM AND TOLD HIM I WAS GOING TO VERIFY WITH BANK AND REPORT TO POLICE AND THEN HE HUNG UP ON ME...
Shelly
Shelly
2010-07-19 22:00:04
Unknown
This guy is an absolute idiot!  He told me his name was Federa Officer James White... as if some hindu guys name is gonna actually be James "FREAKIN" White.... I asked him if he worked at the Police Station and he said yes....dummy.... Police Officers aren't Federal Officers..... I have not filed a police report but I will investigate it more and report it.
Jay
Jay
2010-07-16 20:15:52
Unknown
FTC.gov/IDtheft
1-800-337-6556 1-716-439-9023 1-800-346-6227
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