530-328-0104

A man calling from this number said he was from my local police dept. and would be coming to my residence or place of employment to arrest me.  He also said he would be interogating my supervisor & my brother & sister.  He said he would be able to hold them up to two day & gave me another number to call where he said I could contact my attorney.  He said his name is Charlie Mason & had a strong accent.

Omg! I got a phone call from this number on the 30th, also from a lady with great ascent saying there were 3 allegations agianst me. she gave me 3057604520. maybe a 30 at the end couldnt understand her well. she said she was calling from the law office but gave no name. does anyone know who these people are?

I owe them money. Cops will be at my door in 24hour

Its a scam.  They most likely got your information from an online application for a loan, because I think that's where they got mine.  Bottom line is the only thing they can do is steal your identity and try to open fraudulent accounts.  The threats about jail and lawsuits are bogus.  If this were a legitimate law enforcement agency, and you had committed a crime, they sure wouldn't warn you they were coming!  I've seen other posts regarding these guys.  It appears they are most likely using pre-paid cell phones, as most of the other numbers they have called me on come up as Cells.  They threatened to get me fired and to file a lawsuit against me.  I told the guy to go ahead.  He claimed to be an attorney, and when I asked for a Bar number, he gives me a bogus 3 digit number.  

DON'T fall for this!  Call the police and file a report.

I was contacted by "Sean Hardy from # 941-205-8235.  Stated that I was being sued.  Started that a company called Insta Cash has deposited $300.00 into account ending in 7259.  I had made an inquiry about a personal loan online about a month ago because I needed a deposit of about $1500.00 for a surgery I was having,  but the next day my e-mail was flooded with SPAM and I did not authorize a loan.   The 7259 was for a Visa Direct Deposit card with a company called Account Now.   I placed a phone call back to this company to # 914-205-8235 and reached a Person Identifying himself as Alan Clark.  I requested to know where I could pick up the information about the lawsuit and he told me their head quarters was at 400 South County  Road, Wheaton IL 60187 and was giving a number 949-645-4180--which went to a non-working number.  I goggled this and this is listed as Anderson and Associated website: http://www.andersonandassociatespc.com.  I called the phone number 630-653-9400 and spoke with a Amy S. and she told me that is not what they do in their law office.  She did not have information for me.  

When I called Account Now to verify if I had indeed received a Direct deposit to the Direct Deposit Visa--there was a zero balance and there was no transactions I have cancelled the account.


Tct from “Justin Russo” From phone number 561-692-3921
Stating he was representing  Advance Cash  that I had recd a case from “Advanced Cash” would not disclose the sum of money.  Stated he was calling from Dispute Resolution Center  At 3814 Strathmore Dr.  Belle Glade FL 38160  Stated I was being sue and that the money was depositited to the Acoount Now Credit card  and cited the Bank routing number and direct deposit number.  
I placed a call back to the FTC  and spoke with a Hector to update the information.  

I placed a complaint with the attorney Generals office as well today!

Placed a call to: Teletrack 5550-A Peachtree Parkway, Suite 600
Norcross, Georgia 30092
webinfo@teletrack.com
Toll Free: 800.729.6981
Fax: 770.449.6647
If you require assistance with your Teletrack account or have questions about our services, please fill out the form below or call us at 1.800.729.6981 ext. 3. If you would like to request a copy of your consumer report, do NOT complete this form. Call 877.309.5226. We do not provide consumer information via email. SPECIAL NOTICE : DO NOT SEND YOUR SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION VIA EMAIL. CALL 877.309.5226 TO REQUEST A COPY OF YOUR CONSUMER REPORT.
SPOKE WITH SHANTEL  SHOULD RECEIVE MY REPORT WITHIN 5-7 DAYS.
12/2/10
I recd a call from a Stephanie Reynold  phone number she called from was 530-328-0104,  she started she was with  Orange County Law Firm in Costa Mesa California.  Heavy accent.  There was a heavy lag time of dead space between when we would communicate.  She requested I call back to reconnect.  The number she gave to call back was 425-998-2306  I called and reached  “Johnathan Davis”   started that he had an Undisclosed company that issued me 300 to the account now bank account and that I had not paid back the balance and I was being sued.  He then gave information that he had my mother-in-laws name my address and a lot of personal information.  
I contacted FTC and updated the case speaking with Hector..

I ALSO RECEIVED A CALL AROUND 5:00 A'CLOCK PM,FROM THIS NUMBER (530)328-0104 THIS HAS NEVER HAPPEND TO ME BEFORE .A GUY CALLED ME  CLAIMING HE WAS A LAWYER  AND  LEFT ME A MESSAGE SAYING THAT I HAD COURT THIS COMING MONDAY ,HE DIDNT TELL ME WHERE .IMA KEEP CALLING BACK UNTIL HE ANSWERS ME.

Hi.  These folks harassed me for 3 days a few weeks ago from this #530-230-9512 & 530-237-2233 saying they are form the Harrison Law Firm the first time and then when they called my work stated they were police officer so and so.   They called yesterday and today leaving a message from this #530-328-0104.

If this is your first encounter please report them to the CA attorney general's office, your state's attorney general's office, the FBI, the FCC and finally the FTC.  

When they called my work I said we were tracing the call and eventually hung up on him.  He called back and said he'd pay me a million dollars if I the FBI really could trace their number or I could pay him $500 to leave me alone.

Don't fall for it and please tell your employer about this...they call your work in hopes you'll be too worried about loosing your job and that you'll give in.

Yes they may have your name, address, soc sec # and bank account information.  They need you to give them permission to withdraw the money from you bank...DON'T FALL FOR IT.  They will not touch your bank account without your verbal authorization; if they do, your bank and their attorney's can go after them so they won't touch it.  Just ignore them and if you want, call them back and say nasty/dirty things to them about their manhood and their mother...they don't like it.

Your part of the scam YOU FAKE!  Stop harassing hard working US Citizens.  Your terrorists and one day, CHARMA will bite you in the ass!!!!

Just got a message from this company saying I owe them and that the police will pick me up in the morning at work or at home.  I was really worried until I goggled. Thanks to everyone for posting and the advice.

YEA, I CALLED THE NUMBER AND TOLD THEM I SAW THEM ON 20/20 AND THAT I WAS REPORTING THEM. HE TOLD ME HE HAD MY BANK INFO AND THAT I GOT THE MONEY DEPOSITED IN JAN OF THIS YEAR...I LAUGHED AND SAID WELL, THAT'S HARD TO BELIEVE CUS I JUST OPENED THIS ACCOUNT IN JULY. SO HE HUNGED UP ON ME...LOL THIS IS A SCAM. THEY HAVE MANY PREPAID CELL NUMBERS AND THEY TRIES TO SCARE YOU FOR YOU TO GIVE IN AND SEND THEM MONEY. I READ IN ANOTHER WEB SITE THAT THE FBI AND OTHER FEDERAL AGENCIES HAVE BEEN LOOKING FOR THESE GUYS FOR YEARS. JUST REPORT THEN TO THE ATTY GENERAL OFFICE. YOU CAN NOT BE PUT IN JAIL FOR A PAYDAY LOAN. THEY CREATE FAKE PAYDAY LOANS WEBSITES, AND STEAL YOUR INFOR...LUCKY FOR ME THERE WAS A TYPO IN MY SSN...SO THEY HAVE THE WRONG SOCIAL. I CHANGED MY BANK INFO AND IN THE PROCESS OF CHANGING MY CELL NUMBER! DO NOT FALL FOR THIS. BTW...WHEN HE HUNGED UP ON ME I CALLED BACK AND THE NUMBER WAS BUSY!! LOL

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

OMG!!! i think the same guy called me but he got realllly graphic with me when I told him I was calling the county attorney and filing harassment charges because they have been calling me regularly for a year now, after my husband applied for payday loans online.  The last calls were this evening and I told him the first time that I was turning it over for harassment and hung up. He Called me back and called me a stupid f***ing B***h and was talking in another language, so I hang up again and he calls again and starts singing the I wanna F*** you song. i hang up again and he calls back and leaves a nasty voicemail. Hes calling me names and told me he was gonna take me out and when he found me he was going to...wont put what he said on here but it was nasty and bad. and told me hed pay me a million dollars cash if the cops could trace this call and more name calling. HORRIBLE.

Just recieved a call from one of these foreign A$$holes, telling me that there is a lawsuit filed against me. I could barely understand him. He told me that he was from a law offc. I told him that when his company hires someone that speaks my language, and is in the U.S., then to call me back! I know for a fact that there is no lawsuit against me, and I too filed for an online loan about a month or so ago....it's all spam!

I applied for a payday loan and have been harrassed as well. They called my employer first, then my cell phone many times.But he said he was from the NYC civil courts and that if I didnt respond that he would be bringing serious charges against me. I was also very scared until I googled the numbers, he used 2 different numbers. He knew my social security number and everything.

bs #

I have just finished reading the previous posts. I have laryngitis so the guy with the heavy accent had more trouble understanding me than I had understanding him. How they got the number is beyond me because I do not use this number for anything I do other than personal calling. I use another number for everything else...unless they searched me and found my cell number some how. I am happy that he hung up before I had to as he could not understand me. I know to be on alert for more calls and harassment from reading the posts on this number.

I just received a call from this number, 12.28.10; 1528 CDT. No one spoke on the other end but held the phone for 15 seconds until I hung up.

just called today, you  can call ths F.B.I they will give you a number for the dept. that deals with this

I just got the same call. I could barely understand what he was saying because the accesnt was so difficult to understand but he said I was being sued

I got the same message.  They left a number to call back and that number was always busy.  I know that [***] is bogus