Fake payday loan collection scams - Please list new numbers here [2]

Here is another number 716-541-0164 out of Buffalo, NY. Called me yesterday on my job and cell phone with the same tired line. Now this is getting funny how many calls I got over this year from these scammers. Who would think someone with an Indian accent has a common American name. I think I can get all these phone messages and autotune it to music and make money off of them, lol. Too bad they can not sue me as they got to say who they really are!!

I am receiving persistant calls from what I strongly suspect is a payday loan collection scam. I do have 4 on-line ones in collection which a consolidation company is taking care of, and all 4 have agreed to work with this. These callers have a heavy Indian accent, say they are lawyers, won't give a legal firm name, refuse to give the original loan amt, and will not e-mail or send me any info. They threaten arrest. Their # is: 1-310-693-2422. I have refused to do anything.

Received a call this morning from a private number. The message is as follows:

"This message is serving to you as official notification, My name is John Miller. I just received an order to have you served immediately with a summons to appear in court for writing bad checks, shows here for facing a bad check charge. I was hoping to make contact with you today to schedule a time and place I can meet with you, unfortunately, I am not able to make contact with you.You must be notified i will actively serve you this summons either at your home, your job, or out in the community.Now if you have any questions, or concerns with the charges that are pending against you for writing the bad checks, you probably wanna contact the plaintiffs office IMMEDIATELY. The phone number there is 877-805-6050 it is followed with a case number of xxxxx-aa. At this stage (name) you have officially... been notified."

They then called every number that they had associated with me and told them I had a charge against me for writing bad checks, and to have myself contact them.

I called the number 877-805-6050  8778056050  and they stated that they had purchased my payday loan debt from Check N Go that I had defaulted on.

Just as an FYI, everyone, I have attempted something that you might find interesting:

I have been reading through these posts almost daily for over a year now.  This whole scam irritated me in a unique way for some reason, and I have been hell-bent to try anything and everything I can to help stop anyone else being a victim or give them any more funding for whatever ilicit purposes they are involved in.

I have chosen numbers from random posts on this forum from other people.  Keep in mind that none of these numbers had ever contacted me!  I called back and started asking questions, acted a little bit worried and when they asked my name, I gave them a fake one (said I was Chuck U. Farley, which the humor was completely lost on them).  I would then hang up.  LITERALLY WITHIN 30 MINUTES I started receiving calls for Chuck U. Farley about a warrant for my arrest, a huge bill for a payday loan that wasn't paid, check fraud charges, etc.  Chuck U. Farley doesn't even exist, the name was an invention of my imagination, but they sucked onto it like leaches thinking it was yet another person they could scam out of money.  As soon as they had a phone number & name, a bad debt of outrageous porportions "magically appeared".

On that note, I agree that we seem to be getting nowhere with assistance from our own government.  I have filed complaints with every branch I can think of (& some new ones I found online).  There has been no response, action or resolution.  I have resolved to just keep trying to help as many as I can from sending their hard earned money, and for myself start seeing the humorous side of it all.  Here is a previous post I listed.  It may give you some good ideas on how to deal with them, but at the very least it should add a little humor to your day:

"Here's some more ideas to add in there:

They have started in with a new number now (612-235-6132), so the game begins again!  This time when the guy identified himself as an "officer", I told him he has called a crime scene and I started interrogating him.  He hung up after some stuttering and stammering.  Anyone who did not see my last post, here it is again with some more creative ideas on how to deal with these idiots:

"OK, first off, everyone CALM DOWN and don’t freak out about these guys.  No matter what they say or what they threaten, they CAN’T do anything to you.  I know every one of us has tried filing reports with law enforcement, FTC, FBI, ic3, etc.  It doesn’t seem to work, because these guys aren’t even in the USA.  So take a deep breath, relax and don’t let them ruffle your feathers.

Now, I started getting these calls about a year ago.  I have personally used all of the tactics below, and they do stop calling me for about 6 months…so the way I figure it, a little time out of my day to give them back a taste of their own medicine is worth it for 6 months of peace and quiet.  Keep in mind, as well, every minute you spend screwing with them on the phone is a minute they are NOT able to scam someone else.  (And the only way they will ever stop is if nobody pays them any money ever again!)  And now for the fun part—how to screw with them back.  I will start with the easiest and move up the line with the more time consuming:

If you have no time to mess with them:
a.    Just don’t pick up the line.  Let it go to voicemail and delete the message.
b.    Pick up the line and immediately hang up.  Keep doing it until they stop.
c.    Pick up the line and use an air horn or police whistle blown straight into the mouthpiece of the phone.  (I personally like the canned airhorn the best.)
d.    If they call while you are driving, turn the radio up as loud as possible and answer the line on speakerphone.  Don’t say anything, just let them listen to the blasting music.  Heavy metal music works best, but I personally have a CD with Star Spangled Banner on it, so I play that as loud as I can.  Just leave the line open with the music blasting until they hang up.

If you have a little more time to mess with them:
a.    Ask if they are related to the deceased (insert your name here as the “deceased”) or just a family friend, because “the viewing of the body if for family only, but the memorial service is open to everyone.”  Ask if they would like directions to the funeral.
b.    Simply tell them that you have read all about their scam on the internet & seen it on the news on TV, so you aren’t paying anything.  Don’t listen to any response, just hang up on them after saying this.
c.    Use this one only if you are willing to be as crude as they are:  Using the name they gave you (i.e., “Officer Mike Taylor” was the last one I got), say, “Is the this THE Officer Mike Taylor I read about on the internet?  Is it true what the posts online say, that you have such a small d**k that even camels won’t have sex with you?”  Then hang up on them.
d.    (For this one, I must first apologize to PETA and all vegans, but it highly offends the scammers because they consider cows to be divine beings.)  Tell them you don’t have time to speak with them, because you work at a slaughter house and you have over 100 cattle you need to “kill off” before the end off the day.  Then hang up on them.
e.    Are you good with theatrics?  Then try this one…it was actually highly effective for me:  Put on your deepest, scariest, growliest voice and just whisper into the phone over and over, “I command the demons to come for you, I command the demons to come for you, I command the demons to come for you…”.  Just keep whispering it over and over until they hang up.  I think this one worked well because they are quite superstitious.
f.    If you know a foreign language, answer the phone in it and just keep talking in unintelligible phrases.  The more obscure the language, the better.  Don’t know a foreign language?  Pig Latin seems to work just as effectively.
g.    Ask if they are calling from the convenience store, and can they give you last night’s winning lottery numbers, because you are sure you have won.  For any response they give to it, just keep yelling over and over, “I won! I won!”
h.    When you answer the phone, ask them where your pizza is and tell them because they didn’t get it to you in the “30 minutes”, you’re not paying for it.  Hang up.
i.    Tell them you are at work right now, but to call you back on your “home” phone, and give them this number: 202-835-0778.  (This is the scam and fraud reporting division number at the FBI.)  Hang up.

If you are REALLY p***ed off, and have plenty of time to screw with them:

a.    Go on to Craig’s List and post an ad in the wanted section or services section  saying you are looking for a payday loan company because you need a loan.  Ask they call you right away.  List the scammer’s name and phone number as the contact information.  (This sends the scum-sucking bottom feeders off to call the other scum sucking bottom feeders…LOL)
b.    Go online and look for every free daily horoscope, free insurance quote, free mortgage lending, etc., and click on the “have an agent contact me” link.  Type in the scammer’s name and phone number.  Viola!  Now they will get flooded with telemarketers as well.
c.    If you would like to blow off steam, and have no problem with swearing, just keep calling them over and over pretending you have Tourette’s Syndrome by just screaming obscenities in the phone until they hang up.  This works pretty good in the car, because no one else can hear you and it is a good tension reliever.
d.    Log onto these payday loan sites and enter all of the scammers’ information on it.  This way they might even wind up on their own list!
e.    (Do NOT attempt this one unless you have state of the art spyware & virus protection, and even then, you still are taking a risk):  Go into your spam folder on your computer.  Find every email you can about “you won millions of dollars” or “the Nigerian lottery” or something to that effect.  Send it back with all of the scammers’ contact information.
f.    Research for the phone numbers to both local and national TV news stations “breaking news desk”.  Again, tell the scammer on the phone to call you at your “work number” and give the number to the news station’s phone number.  (Hopefully, if the news stations get enough of these calls, they will start airing more stories about it, reaching more people and reduce the number of victims that fall for this.)

Again, before sending money to ANYONE, stop. Think.  Do you have any paperwork showing you owe money?  If not, ask for paperwork.  If they refuse to send it, they are scammers.  A real collection agency will always: 1. provide paperwork; 2. never yell or cuss at you; 3. never require you to pay first before receiving paperwork; 4. never identify themselves as an officer of law enforcement; 5. never threaten you with jail, arrest or physical harm.

Loved your post and all the wonderful ideas.  Thank you and I will try a few of these.

"Go online and look for every free daily horoscope, free insurance quote, free mortgage lending, etc., and click on the “have an agent contact me” link.  Type in the scammer’s name and phone number.  Viola!  Now they will get flooded with telemarketers as well."

Lovei t!  Something else that I've done is to secure an email address, phone and address with, preferably, the name of the CEO of these carpet bagging organizations.  Once I've got the info, I go to various online referral services for sex, alcohol and drug addiction and I ENROLL THEM!  I also like to go to GED sites and ENROLL THEM THERE TOO!  It's also good fun to find these online trade courses and I like to ENROLL THEM in courses for things like cosmotology.

A thought just came to me:  many of these phone banks are in areas of India with Muslim populations.  To the best of my knowledge, it is a violation of Muslim Law to make interest on money - as ALL credit companies in the US do.  I don't know what the odds are that the particular individual calling you is a Muslim, but you might try spouting something from the Q'uran about how they are in violation of Muslim Law by collecting interest.  Put the *fear of Allah* into them for sinning.

This would work if the calls were from Pakistan which is predominantly Muslim.  India, of course is largely Hindu (and Sikh).... so if they give you that line about "Only God can help you now" ask them "which one? Shiva? Vishnu? Ganesh?"

Voice mail from 914-612-7261, which shows as a New York number.  Caller said he was Rick Foster and that myself or my attorney should call the minute I got the message.  If I didnt call back, he wished me good luck with what was about to happen to me.  Called the number back, got a John Anderson, same voice, same accent.  Said that there were 3 charges that were going to be filed against me if I didnt pay $500.  Said that if I didnt pay, the sheriff would show up at my place of employment and serve me papers.  Knew my email address and place of employment.  Told me to get Walmart prepaid money card and fax info to 206-339-6737, which is a Seattle Washington number.  Gave me his direct number of 626-239-3144, which is Monrovia California.

i got a call yesterday from a company claiming to be called providence, i got a message left by a woman named patricia jackson telling me to call back 888-736-0879- she was from the summons and complaints department and i was being investegated for intention to commit fraud as well as check fraud.  at the end of her message she said if i did not call back they would call my employers, neighbors,etc- and told me "good luck in court"
 i called back and the SAME woman answered and said her name was tanya simon- i got the whole b.s. saying i was owing a debt from loan point they needed a credit card or checking acct today or i would be charged with a felony- for a minute i almost fell for it because they are so awful- i got transferred to the supervisor who sounded like a felon himself and he was calling me a liar and saying they were going to haul me away.  i called loan point and they said there is a scam going on, and the collector that has my loan is a different company- loan point got in some trouble a few years ago and i am in ca and they are not even supposed to loan here.
i called the other company but no answer, as far as i am concerned i paid that loan off- i got into the cycle in 2007 and had to close my bank acct- any payday lenders i owed i just sent money orders, including loan point and i have the receipts to prove it.  anyway these people scared me to death and the manager said he was looking at his "FDIC" website and indeed he could tell i had a checking acct somewhere in the US.  thank god my senses were with me because i still wouldn't give him my new acct info.  the way they find new info is when you apply for a payday loan with your new acct.  don't do it! i called my bank and they said there is no FDIC website like that and that people cannot access your account unless you authorize it and give them the info. i did a little research online and it sounds like this company used to go by allstate mediation or something.  they are awful, do not give any info, loan point themselves told me it was a scam.  still scary though!

and PS-  i forgot to say in my last message- these people all had AMERICAN accents, so it is not just India- there are American people that are in on the scam so even if they don't have an Indian accent please do not give your info!:)

While it is still a minority, India has the world's 3rd largest Muslim population.

http://en.wikipedia.org/wiki/Islam_in_India

The mention of Shiva, Vishnu and Ganesh don't make sense in this context.

Mike Jones who? mike jones still tippin

I got calls from these guys saying I never paid back my payday loan. They had very thick accents and I am SO bad at understanding accents!  It just happened to be during a time I was dealing with identity theft by my ex so I was ready for a fight.  I had been working with the District Attorney and his detective closely so I used them as threats to these guys.
I told them I was working with the District Attorney's Office (true, I was a victim helping nail the scum ex)
and that if they called again I would make sure my phone was set up to record and of course I would let them know first it WAS being recorded.  I told the guy to call the DA's office and gave them the number of my Detective ( I was shooting him an email as we spoke to let him know what I was up to).
Sure as hell the idiot calls back the next day.  I say "please hold the line, I need to connect an assistance device on my phone".  He actually waits.  So I then say "now I told you yesterday if you called me again with this con I was going to let the District Attorney listen to this call and to make sure I am doing this legally I have to inform you I am recording this call for prosecution purposes".  The guy is like "what did you say"?  I said "oh I am sorry you did not understand my English, but why don't you go ahead and tell me what you are calling about...again be aware you are being recorded"  He gets all flustered and said " wrong number".  Never heard from them again!   Let me get out a LOT of frustration and focus better on sending that con artist of an ex to prison for 2 years!

I got a call today told to call (623)3212864 to settle a debt from 5 years ago. Can't believe they would do this around the holidays!