310-405-6216

I received a call at my job by a man with a heavy accent saying he was Legal Affidavit.  He gave me the last 4 of my SS # and said that he represent U.S. National Bank and I was going to be picked up by the authorities because of fraud.  They claim to have deposited money into a bank that I never had an account with.  I said I never took out a loan with U.S. National Bank and nor do I have or had a checking account with Citibank.  They told me that I was probably giving the loan under another name.  They couldn't give me the exact name of this loan company and kept asking me for my entire social security number adn the name of my attorney or I would be locked up.  It sounded like a scam and I hope they do not call me harrassing me at my job again.

i just recieved the same call. and i dont know what to do? is this a scam. he said sonic bank?  looked it up and nothing.

I have 2 voice messages from this same number today & yesterday.  It was a lady with heavy accent that told me that I or my attorney needed to contact their office.  At the end of the message she said good luck.  I didn't bother to call her back because about 3 months ago a guy with a heavy accent called me from a different number.  When I tried to find the company online, I saw where it was fraud.

This is a scam, I am an attorney, my client called the number 310-405-6216 from my office, the heavy accent person answered Federal Law & Investigtion, they refused to give fax number and issued a mailing address of 11000 Wilshire Blvd, Ste 1700 Los Angeles CA 90024. Needless to say, this is the address to the FBI Building in Westwood CA, they proceeded to tell my client that he recieved a Cash Advance Loan of 5900.42. They refused to provide information or documents to support this claim. The gentleman stated that Federal law & Investigation was represented by Kevin Matthews attorney at law, I called attorney Matthews Office and he nor his staff had no idea who these people are. Next time they contact you ask for thier legal dept or attorney, what ever name they give you ask what state they are barred in, then search that bar records and contact the firm for ligitimate info if any.

Thank you for that info.  These people hunt you down and harrass you to no end.  They are true scam artists.  They don't even have the correct month that I took out a loan.  I just wish we could get them to stop calling.  We told them that I was fired from my job so that they would stop harrassing me at work.

Kudos to "Sam" for giving the most intelligent and informative posts on this scam. READ, Bookmark and use as needed:

https://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.

https://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

I recieved a call from this number at work with a man with a heavy accent stating he was representing a firm in a legal matter. Stating I have checks out and they are trying to collect on a debit. I have not had checks in 10 years or more...  PLEASE BE AWARE!!! How do they get your inofrmation anyways?????

This scam is so sickening.  I am so tired of them calling.  I have purchased a whistle and when they began to talk, I will blow it as loud as it can blow.

i give them [***] and thay get so mad so. Its became a game for me about every 2 mo game on. I wish thay could find them. and put them in jail.

This is truley a scam.  The called me about 4 years ago and there scam worked on me. I ended up paying those idiots.  They tried to call me again about a year ago 2009, thick accent/ india decent/ rude/ threats all of the above.  But I did not pay them anything I got a attorney and the stop calling.  BUT.......they are trying again and I will not answer my phone, if needed I will get my number changed.  They are scam, do not send them anything.  They also call from 817-260-0095

So I just got the same type of phone call that you all received. Furious, at the first call, I told them that 1) I had never done a online cash advance from USACash. I also explained to them that if their client truly felt I owed this money to send it to me in writing and to go through proper legal channels and I would be more than willing to assist them in proving this was not my debt. The mans response to me was "awww no no no judges or courts". However they did have my information. Pieces of it anyway. I am smart though and did not provide any additional information, After reading this, I call the same number that called me and asked to speak with their legal department. Of course they would not transfer me. I also spoke with two men ( common names-Jack Cooper  and Paul White) by no means to I mean to sound racist but with their heavy and thick accents I highly doubt those were their true names. I also asked for their mailing address, fax number and operator id. Of course this could not be provided to me. .. go figure. When I asked for the information about my case they refused. So I am writing this to be of help to anyone else who might be being harrassed by the same scam artists that are trying with me. I am also going to call my local pd and see if there is anything that can be done. I feel though this may not happen as their information all the way around is bogus. Good luck to anyone else in this situation

I received calls from this #(310)405-6216) and told me that had to pay 260.00 by the end of day the Harris County told me that it was scam. The police told me not to worry about this at all . And also they told me that FBI was going to stay with income that receive .

Hope they can catch this people and put them behinmd bars

They told me that had loan from USA loan on 2010 and told them to sent some paper work of that loan and me that  were unable to sent any info about that loan

They keep calling and harassing me at work!

NOT COOL....

I just recieved a call from 310-405-6216 saying that they have a lawsuit against me and if i dont pay they will come to my house and take it from me that really pissed me off i told them i didnt know who they were and the funny thing is that i supposedly took a loan out last year and they wired it to my bank account well im old fashioned and never put my money in a bank until this month lol so i got mad and started making fun of their heavy accent and told them to come to my house and we would settle it like men after all they did have my address so know i *67 them and start tellin them wheres my money and all dat good stuff until they get pissed off and hang up lol so my advice is dont pay them nothing and call them back but block your number and harass the s*** outta them back

just got another call from them. i have several voicemails from some guy named bob white. saying hes going to send me to court for not paying on a payday loan of $5000. They have been calling almost nonstop for the past 3 weeks. theyve called 4 times this morning. I finally answered the phone and talked to "bob". he said that if i didnt pay today then i would have to go to court monday. i asked him the address of the business and a fax number. he gave me the same number that they gave to everyone else. I asked to speak to their legal dept. Bob transferred me to "Kelly Matthews". Kelly said he was a supervisor. I told kelly that i wanted to talk to the legal dept and he said he couldnt do that. I told kelly that i have obtained a lawyer and that if they didnt provide valid legal proof of the loan, and if they didnt stop calling me then i would be suing them. He said good luck and hung up.

This Indian guy who calls himself Jack has been calling me incessantly for over two weeks.  I finally picked up my phone and asked who he was...."I am Jack with the US Federal Investigative...whatever" "can i have your name please?"  I said no, I need to know what this call is regarding, to which he replied "mam, we are investigating you for fraud and you could be served with papers tomorrow morning.  tell me your name."  I said thats interesting that he needs my name to give me more information when he is telling me I am being investigated and will be served tomorrow.  
I'll give "Jack" credit for being persistent and never getting out of character, but when he called me back for the 6th time in a row when I kept refusing to give him my information, I told him I was searching his phone number on the internet as we spoke and all sorts of fraud and scam reports came up.
"Jack" replied: "Thank you bye."
I now have the phone number blocked

Same old same old story yes it is a SCAM. all the info above are correct and this guy actually tried to give me a job with them. when i told them i am unemployed (which i'm not). i told him why would i work for stupid guys like you guys and rip someone off for now reason. i informed him that I have turned this number in to the government and my agent who is a policeman will be calling you and my lawyer (which i do not have) he said to me "LOOK I DON'T GIVE A [***] ABOUT NO POLICE OR LAWYER" now tell me what collection agency or federal government do you knwo that will say that. besides they all speak english pls becareful
if you get a call from a weird number you don't know google it first before you do anything because i was scammed by them and payed 500 but i can't keep looking back about it i can only help others like youby posting messages. again pls be careful

This people call me almost everyday, and i finally answered today and told them to stop calling and i hung up. they call back bit I didnt answer. He left a message saying that he was trying to help me and to have a lawyer in court and good luck. They are full of it.