512-729-0221

Yea, i got a call from them today.  It is fraud.  All they can do is harass and threaten you with things they cant do.  They are NOT a real law firm.  Call them back and give them S hit.

according to all this post,
i thought that this all are scam but due to you all i am suffering
Please somebody help me.
my bank account is sealed & my driving license is banned. i have been removed from my office
who all have posted this God will not leave you, u will have to answer the god.
because of you all  i am suffering.
Even i received the call and i was ready to resolve but after reading this my mind changed and i told them its a scam but now.. oh my god please help me..

i am writing this so atleast rest all can understand, and get out of this situation
if you all want to try this you all can do but keep in mind '' PLEASE DONT SUFFER''..

This is a scam. They are not a legit company. I googled them and nothing came up as it would have if the company was real. I have called The police dept and reported them already. When they call let them know that youll be calling your local Police and reporting them. Also they give you a 512 number to call back and when you do you cant get through.They all have VERY HEAVY ACCENTS, that are not at all AMERICAN but they all seem to have very american names.

SCAM SCAM SCAM......Yes my guy had a thick accent. He said his name was Jim but stumbled like he was going to say Habbib or Yousef. LOL Said all he can do is wish me luck if I or my retained attorney do not call back the second we get the message. Luck as this issue unfolds around me. The last time I received a call like this I called them back and they wanted money to stop the "issue" oh excuse me "time sensitive issue". I told them I will gladly pay the money as soon as one of them comes over and kisses my big white a**.!!

M PARKER you are a liar and probably in kahootz with these scammers. If you are suffering it's because the police have picked you up for making these calls!!

Got a call from Shawn Dawson. Never had a loan with the company they said that I did, AmericanCash.net...CashAmerica.net..whatever...it doesn't exist.
I called my lawyer, he checked it out and told me that it was bogus. He asked me to record the call because in Texas, it's legal for one party to record the call without the others knowledge. He's turning the recording over to the authorities. Boy are they going to have a laugh!
Get this, he told me that he was a lawyer from Louisiana. I asked him if he took the Texas State Bar Exam to practice here, and he asked if I wanted his bar code number. He then told me that he had permission from the Attorney General and the Governer of Texas to practice law in Texas. Really? Because that's not the way it works. I asked what law school he attended...no answer. I asked when this money was direct deposited into my account...no answer. I asked what amount...no answer..telling me that he wasn't customer service, LOL! he told me that a law suit was filed against me. I asked him in what county and what the district court number was...couldn't answer that either. I asked him what county I lived in...he must've googled that because he told me about 4 minutes later. Good old Shawn Dawson, with his Karachi or New Delhi accent, then told me that a representative from American cash.net or whatever, two law enforcement officers and an investigating officer would be at my house at noon today to give me the lawsuit. I asked who of these four would be serving me...no answer. I asked if the American cash dude was a licensed process server...no answer. I'm told that he will see at the court house in my city today. Goes into how I'm going to suffer, blah, blah, blah...I then informed him that hearings are held on a future date, not on the same day you're served. Then he tells me he's a criminal lawyer that goes after people that commit fraud and that I've commited fraud. I ask how I've commited fraud, he tells me that I did this on purpose. I then go into how, even if I did default on a loan, that there are proceedures that are followed and that it's a civil matter. You figure that these guys would've at least watched some TV or something. What an idiot. By the way...no one showed up at noon.

Some Susan Watson called from this number and wished me luck if I didn't return this call or call back wikth an attorney.  I googled this and nothing came up, except for scam information.  thank you for all of your help with this!  I appreciate it!

Yeah,i keep getting calls too after i said i wouldnt pay cause i dont know who they are and if they are who they say they are. That was a guy like a month ago and they kept calling afterwards from a 000 number.The newest one was susan watson from 512-729-0221 wishing me luck as well hahaha

Caller id showed up on my cell phone as +052540068 leaving voicemail from "Max Morris" to call back at 512-729-0221 with my "attorney of record". Very heavy Indian accent. Claimed to be calling for previous holder of phone number (> 2 years ago).

Young lady who answered the telephone and asked "How may I direct this call?" also claimed to be the supervisor for "Max Morris." When I told her that the call was illegal she hung up on me.

You lying stupid scammer, I'm going to arrange a special Extra Warm room for you in Hades, mind you pay Charon his due.

This is a scam. The Better Business Bureau has released many alerts on this scam, google "bbb.org alert phony debt collector"  Variations of this scam exist so read all the alerts to get a flavor of what they are.

Yes Ihave received a few calls from this number and they are now calling my work as well as my home phones and my cell. He has called a personal reference from another account. The first call he said his name was Kevin Matthews and he was from American Law firm and he was an officer and I would be in big trouble but could not give me Loan Info or Account info and would not verify anything to me when I asked. He now is calling under the name of Elkins & Wilson's Law Firm as a Mr. Max Morris and disclosing personal info about fraud and prosecuting me to the person who answers my work phone.  Not sure who he is or why he keeps calling. He does have my bank info which is now a closed account.

You are truly full of **it! I agree that you must be in on the scam and are trying to scare people into paying the bogus charges! You can so tell by your rambling on in sentences that mostly do not make any sense. And just for anyone who may think this person is serious, your driver's license cannot be "banned" for a regular debt, and you cannot be "removed" from your job either! What an idiot! LOL!!

Ok this is getting very irritating that i am getting these scam calls especially at my place of work.  This is not the first one I have gotten numerous calls from probably the same person but gives different names and the name this person gave me was Charlie Brown so I know its definitely fake.  My boss answered the phone one time and he was pissed that he was getting the same person over and over and blew up on him and told him to stop calling or we will get our (the company) attorney involved and hung up the phone so I see it this way these people can call all they want and wont get a dime from me.  DO NOT GIVE THEM ANY MONEY I REPEAT DO NOT GIVE THEM ANY MONEY.  NO NEED TO FREEZE YOUR BANK ACCOUNT OR ANYTHING OF THAT NATURE THEY WONT GET TO IT.  TRUST ME ON THAT!!!!!!!!!!!!!!!!!!!

I received a call from this number today stating that I had borrowed x ammount of money through the internet and that I have to pay them today through a credit or debit card or that I was going to jail on Monday. Even read off to me my personal information like birthday, ssn, address, etc. So after arguing with them and them not being able to tell me the date that I obviously did not apply for this money, I figured it was a scam. I called them back later to see if they would answer with a company name or what have you. They didn't. Some woman talking with American accent just said hello. When I started to ask her questions about her company and about the phone call I had received earlier her accent changed as if she were foreign. Please. I guess they think there are that many stupid people in the world to not know that this is a damn scam. Grow up and get a real damn job instead of asking to be sent to jail.

Oh, good. I got a message from them today, too. The heavy accent was hard to understand, but the message that I needed an attorney was loud and clear. I'm so glad it's a scam. In which case I can delete the message and not worry about it.

I recieved the same calll yesterday. Told them that they were a bunch of scammers and as soon as I rasied my voice they hung up. When I called back with a blocked number it went to a busy signal. They called my job and they laughed at them because I am leaving in 3 days.

Kudos to "Sam" for giving the most intelligent and informative posts of 2010 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 was gone in the afternoon at work and returned to a message stating that I had been deemed a criminal in the state of oklahoma and if I didnt want the police to show up at my place of business to call them back at 512-729-0221. I am not returning the phone call because a month ago some1 called me stating that I had an outstanding payday loan out there. And then tried to get my checking information. but now I am worried because this guy knew the last four of my social. I am peeved. This time he said his name was David Smith

You are a total [***] [***]

I keep getting calls from this number saying I have commited fraud. When I call the number back it either goes to voicemail or just rings. I don't know these people at all and don't know of any fraud being commited. I agree that this is a SCAM!!!!! the number that comes up on my cell starts with a +0523050. The caller says I have been commited fraud/crimal charges against my ssn. The caller is Shawn Williams and speaks very broken english.