804-318-5473

This guy with a thick accent called my cell and office repeatedly about a dozen times in a row saying "there is a fraud case and you are in really big trouble. Yet he never leaves a message when I don't pick up. What the heck??!!

Same thing...

same guy calls me to saying there is a warent for my arresst IT IS A SCAM the caller is calling from chester V.A. call there local police dept. and report it !

This is an offshore payday loan debt collection extortion scam that has been going on for at least five years. The FBI is aware of it but is unable to go after those involved due to lack of money and manpower. I looked back and found some old information which may prove to be helpful:

They obtained your information through Teletrack:

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

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.
1-804-318-5473
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

https://800notes.com/Phone.aspx/1-951-489-0227

these folks called me on Jan 23rd, with a scam for sure, I don't even have a bank account, when I told the forgeiner this he quickly hung up!

I have been getting the same thing so this scam with  company I called them back asked them to send me statment if I owned them.

same guy called me and threaten to place a warrant for my arrest due to me owning money to a loan institute was very aggressive and rude! he was screaming on the phone at one point and i told him he has no right to speak to me in that tone.

I have been getting the same phone calls. They call me over 60 times a day harrase me at work all day long claim they have a right to call me at work they call the receptionists as well as me all kinds of names just disrespectful. I have filed chapter 13 and wanted to add this in and they told me I couldnt put this bill in there. They argue with me every time I get on the phone they told me if I don't give them money they will send officers to arrest me. So I'm wandering what I can do about them and get them to stop.

Actually the same guy Brandon Lawrence called me I was wandering if I could sue him for harrassement

Hey I was wandering how did you handle dealing with Brandon he does the same thing to me calls  me all day at work and on my cell How did you get him to stop. I'm getting into trouble at work and this man wont quite.

He calls repeatedly and is told to stop calling and will not do so .  Very foreign sounding person.
Needs to go away

I got a call too.  A person with a very bad accent kept calling about a former employer threading me that if I didn't give him information, it would ruin my company's refutation (although he could barely pronounce "reputation".  Very crude, very obnoxious.!!!!!!!!!!!!

I got a phone call from this number and wanted money from me. Threatend me that if i dont pay right now that i would get arrested my mom called back told them how it was going to be the guy said dont worry he would fix the problem he asked her if she was married she said none of your business  he kept calling her darling said his name was derrick rain and said he was going to call her  after he got off of work  this went from her telling him off to him hitting on her  i guess she will be getting all future calls

This morning when I got to work, I started receiving numerous phone calls from this number on my cell.  I didn't answer any of them so he started calling my work.  He got very nasty with me and my boss.  He said he was from the department of financial security and that I had a lawsuit against me because Cash Advance put money in my account and then couldn't get the payment.  I immediately called my bank and the police and didn't hear back from him.  There has to be a way to find out who is doing this and stop them.    He said his name was  "Edward".   I'd like to get my hands around "Edwards" neck.

Short of changing your phone number, you must just keep hanging up or not answering if you can see caller ID.  Obviously don't give out your SSAN to ANYONE and don't fall for anything that sounds too good to be true.  Do not become a victim.  To learn more about the latest scams and frauds go to our site which is WWW.FBI.GOV or another good site is:  www.LooksTooGoodToBeTrue.com.  Hope this helps you out.

there nothing you can do it is a SCAM report them to your local fbi do NOT give them money when they call just tell them you reported to the fbi and hang up do not become a victom of fraud !

First of it is against the law for debt collectors to call you at work so it should buzz in your had and say scam no your rights people they call me every day stating to pay them or there sending the police yada yada yada and the names they give is a dead give away john peters joe  blow this is what you can do ether change your number i know its hard for work so set up a google voice for your self make a bogas voice saying hi this is steve u reached me at the office have your employeer transfer the call to that i have a million calls from them on there hope this helps people be aware of fraud

Collection calls to the workplace are not illegal under federal law, though anyone at the PoE can revoke call permission on the alleged debtor's behalf. The threats of litigation and arrest are of course serious violations, not that you'll get these Indian/[***] thugs in front of an American judge.

He's called my cell and home phone repeatedly just now and is as nasty as he can be. How do we stop these calls?

All  This is a SCAM  I have been getting these calls too this what happened to me...

I received a call today stating that I had received a loan from an online company CashAdvanceUSA in December of 2011 for the amount of $300.00 which I never paid back (I never received this loan nor did I request it.)  The first man that I spoke with was (I assume) Indian and I couldn’t understand him, I got (what I think) his name was Alan Stewart. I was asking a lot of questions and it was loud in the background the man Alan got frustrated and handed the phone to another man. The man said he was Alan’s supervisor and I asked his name, he said David Zyaes.  He went on to tell me his company DSS which is not a recovery service is going to charge me with 3 federal check and fraud charges if I don't pay restitution in the amount of $525.00 for a loan of $300.00.  I told him that I did not received a loan from his company and that I needed to look at my bank account statements to see what he was talking about.  I went into my bank account and looked at all my bank statements dating back to November 2011 for a deposit and I did not EVER have anything deposited to my account.  The man said that I have a choice that I can pay him $525 in restitution and not be charged or I can go to court.  I said that I was not going to get charged with something that I didn’t do and that this is blackmail.  He said that he doesn’t like to use that word, its restitution.  I asked for his company information told him that I would pay the $525 and them sue his company for the money because I don’t owe them money. He yelled at me telling me that I am on a federally recorded line and if I am going to threaten to sue him he doesn’t want my money they will take me to court. I said when do I pay and he said I can pay on the 22nd of February in the amount of $157.50, again on 7th of March in the amount of $183.50, on the 7th of April in the amount of $183.50.  He said that he needed my debit card number.  I said no I’m not going to give you that and if he had my account number why didn’t he just debit it and he said no he needed my debit card number.  Again I said no, and he said that I could go to Walmart and get a prepaid card and go he will call me back and get the account number.  He also said that  I will need to get have a fax that I can fax information to and complete a global funds form.  I asked again for his company info that he wouldn’t provide me but he gave me a phone # number of 804-318-5473 X6363 case file number G250124929.  He told me that he was located in VA in the first part of the conversation but he later said West VA and then I asked again and he said VA and was clearly frustrated yelling “ I said VA” and quickly changed the subject. He said that he would call me on the 21st of February to remind me and the 22nd to get the prepaid card number.   When the call came into my phone it showed up as a 804 number but when I looked at my call log it said UNKNOWN.  We were disconnected 2 times during our conversation and David immediately called me back.  I later called the number he provided me and it was a voice mail to a random person not David and not his company.  I left a message for David to return my call.

In addition, to contacting the Special Actions Team,  followed up this attempt by going online to CashAdvanceUSA who had the following disclaimer on their site:

“Important Notice*SCAM DISCLAIMER: CashAdvanceUsa.net will never contact you to collect funds or ask about the status of your loan account. If you've been contacted by a representative claiming to collect funds on behalf of Cash Advance USA, please contact StopFraud.gov or your local law enforcement office with any information on the fraudulent request. If contacted, please do not disclose your personal or financial information. Thank you for your cooperation.”

Make sure that you report this to FTC.gov and STOPFraud.gov.  

I have received over 40 calls in a 24 hour period here are the  number that I have been called from:

804-318-5373 VA #
917-398-9770 NY #
+92 362
2126005177 Kenya #
818-309-1004 CA #
254300009501 Morocco #
917-628-2494 NY#
206-337-5202 WA#
UNKNOWN
BLOCKED

They will not stop... It seems that they have prepaid phones that they call from.  Keep reporting this.