863-354-6500

Yes I had received a call form this number supposedly from a law office, but the man who had called me would not give me the name if the law office, and when I asked he hung up on me. So I don't know what is going on, but, I think that they are trying to scam people out of money. He called me and told me that I was going to be sued for a pay day loan that I never got, but he would not give me any kind of real information on this supposed payday loan.

I just received a call from this number and was told I was going to be sued in California court tomorrow.

Yep this is a scam. I have received two calls voicemails telling me to call 863-354-6500. The voicemails say the EXACT same message each time. They are reading off a script and they have VERY thick Indian accents. The message always says, "This message is intended for (insert name). (Insert name), the very second you receive this message I need you or your obtained attorney of record to return the call. The issue at hand is extremely time-sensitive. My name is John Williams and the line to my division is 863-354-6500. I repeat 863-354-6500. Don't disregard this message and do return the call now. (Insert name) if you don't return the call and I don't hear from your attorney either, the only thing I can do is wish you good luck as the situation unfolds on you. So goodbye and take care."

- I've read a lot of different complaints about these scamsters. They are just trying to get information from you and to get money from you. Don't give them anything. Apparently, they threaten force saying that if you don't repay this "debt" you will be arrested and put in jail. You can NEVER be arrested for an unpaid debt. You can be sued but never arrested or put in jail. Secondly, there is no "debt". Apparently, they get your information from a payday loan site that you may have applied for in the past and say that you owe them money for this "loan" that you did not pay on. If you haven't taken out any loans, or if you aren't late on any loans, then you have nothing to worry about.

Beware if you listed your work number or and reference numbers on a payday loan application, they WILL call them. So just warn your workplace and references to disregard this call as they are part of an extortion sceme.

yes i received a phone call from this number yesterday. the ladies name was jennifer santaigo and stated that she was a lawyer and i needed to pay 700.00 dollars for a payday loan that i never got and if i didnt pay that loan they would garnish my check and have me picked up at my job by the cops. she refused to give me her florida bar number and she said she was in los angles

I received that exact message but from Rox Murphy, but also with a very thick Indian accent.  He said I was being sued in California but the number he's calling from is a Florida number.  What a scam!

Report this to tips.fbi.gov
I did this morning and received an immediate response that it needs to be reported to FCC.  It's 100% a scam!

I got the same voicemail telling me to call 863-354-6500. The voicemail says the EXACT same message you got. They have VERY thick Indian accents. The message says, "This message is intended for (insert name). (Insert name), the very second you receive this message I need you or your obtained attorney of record to return the call. The issue at hand is extremely time-sensitive. My name is DAVID WEBB and the line to my division is 863-354-6500. I repeat 863-354-6500. Don't disregard this message and do return the call now. (Insert name) if you don't return the call and I don't hear from your attorney either, the only thing I can do is wish you good luck as the situation unfolds on you. So goodbye and take care."

they called my cellphone even at work at 7 in the morning..how can you stop them?

Assign the number the ring tone "no ring"  It won't stop the calls but it will let you sleep a little longer.  

The caller is probably in a foreign country that doesn't take this seriously and won't cooperate with US law enforcement.  I don't think you can stop the calls.

thanks not Michael!  the number always shows up as 00000..

Rox Murphy called me too i called my lawyer and it is a scam and no one can get these people !!!!!!!!!!!!!!
I have reseached this matter alot this company goes by many different names and over 20 phones numbers and rox murphy is also sam jones ,mike johnson , and many other names they have all my info they had to of hack so data base to get this he knew my email , ss card ,dl, and the place i worked.
I called back on a different phone and disguised my voice and gave him a fake name and phone number. and told him i got a call the day before from them and said i owed them money he ask who i was to my surprise i was on file and owed $542.32 Hmmmm ? wow thats alot for a person i made up in my head. so i hope no one fallls for this scam.

Some John Anderson HARD ACCENT INDIA called my cell first and I was on the line at work, so he called my work and left the same message everyone has reported.  THis is annoying to be calling my job, WHAT CAN I DO????

I just got the same message today except the man said his name was John Anderson, saying I was being sued for a payday loan that I never received and they would be in court tomorrow. They were saying my checks would be garnished no matter what. The lawyer "Angela" kept hanging up on me when I tried to ask questions. She had all my info, SS #, checking account info, should I just ignore it? Or can they really take my money?

The same man called my cell today!

Not sure how you can stop the calls. I only received a total of four calls/voicemails (two on my work phone, two on my cell phone on two consecutive days). I didn't answer either time and they haven't called since. I reported them to the FTC and also to the Attorney General of Florida (863 is a Florida area code)

If they have your info, they can probably take your money although not legally. What they are trying to get is for you to authorize them to take the money. Once you authorize it, they can take your money. If they would take it without you authorizing, you can report it to your bank and the bank will just reverse it. So what they really need is an authorization from you. I wouldn't worry about them taking anything unless you tell them they can.

I received this call today on my work number. He had called a few minutes previously on my cell, but I ignored the call as I didn't recognize the number. On my cell voice mail he identified himself as John Smith. When he called my work, his name was Dominic Smith.

He identified himself as an attorney with "Federal Legistlation Justice" and stated that I was going to be arrested at my place of employment on charges of Bank fraud, wire fraud and check fraud.

He didn't ask for any type of payment, but he did recite my social security number along with a host of other personal information including my banking information.

i recieved a call from this number and she left her name is lisa hunter and that i need for mt attorney to give her a call and for me ignored and for me call back they did not say for what and good luck

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

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.

https://800notes.com/Phone.aspx/1-646-274-1143/3

Yes, received the threatening call today...not the first time.  As I asked more questions, they hung up on me.  Do not verify or give any information!!

Hi, I have been going through this for a while and did a little research on the subject. Not to alarm anyone but, yes the do have all of your information but that's the thing,  that's not what they are looking for when they call us. They are looking to make a some what legal transaction. If they can get you scared enough to agree to give them money they will wipe you clean and there will be nothing you can do about it, all you can really do is report the number and name everytime you get a new call, good luck everyone.