786-345-1037

who is this

i got call from same number. the person was with heavy accent hardly know the English.i talked to my lawyer and came to know that they are scam. they are calling from india. i have reported a complaint in FBI against them

I received a call from them asking for a 'legal reference' for a friend (who they named).  I don't know how they made the connection between my friend and I - maybe Facebook or our email contact lists?  She is very upset about this and is reporting it to the FTC and FBI.

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

just got a call from this number as well, and the heavily accented man claimed to be an Officer with the "Miami Florida State Headquarters", called the police department in Miami florida and they have no record of the name the man gave me. Then checked out the phone number and ended up here. My friend who he was calling in reference to called me last night and told me what she had been dealing with from these people, they have been threatening her with a court case the next day, and to have "her friends arrested" unless she settled with them, by making a hefty Visa or Mastercard payment to them for a supposed loan they claim she took out, but which she never received. Another payday loan scam it seems. Watch out all and don't give any information. Ask for very specific information from them that can be verified.

I was the friend "another contacted" was speaking of. I can't seem to get rid of these people! The number --it's different than those listed is : 786-345-1037. Again a heavily accented man, that claimed to be with the Miami Florida State Headquarters. This bogus and only a scam!!

So I get a call for 7863451037 man posing as an officer daniel white....my husband has his badge number, we are going to be reporting them to all agencys....he said we owed $470 to them for an old payday loan.....dont believe them   they say they represent e.m.e llc, if you look it up under google it is a fraud.

U.S. American law frim. She told  a friend of my for me to call her and that,I was in trouble for a loan, and I need to call her back at this  number 786-345-1037 .

Yes they did it through Face Book they can get your number and email some of them even request to be your friend under bogus faces.. if you do not know them don't add them.

I have recieved a call from an Officer Frank Martin who left a message stateing I MUST CALL HIM BACK ASAP. He has my address, job information, s.s.# ..informing me that this is a legal matter and warning me before any serious or physical damages can occur at my home or job address I must call him back. I have called this number back and as soon as it picks up it says Thank you and hangs up. Officer Frank Martin finishes his message with good luck to me.

Just got the same call from Officer Frank Matin saying the same exact thing!

Just received the same message telling me he (Frank Martin) is a Police Officer.  Same number as everyone else has been posting.  Picked on the wrong person.........because I am law-enforcement here in Michigan.

i got a call from this # 786-345-1037. some man claiming to be an officer says that i got a loan that never happened.  he wanted me to fax him my account info.  i told him no and not to call me again.  this person know to much personal info.

Just also got a call tonight stating in a voicemail that I need to call this number back ASAP due to serious legal matters. Called number back, and someone asked for my name (just the first name tho haha, I must be the only Kyle out there) I told them my name and they put me on hold for about 2 minutes. A guy named Daniel White came on saying he worked for Frank Martin and I have a payday loan that has incurred fee's of $210 dollars and needs to be paid immediately or he will take me to court. I said do it, cause I dont recall any payday loan. He then said he will be sending me papers in the mail and should receive them in 48 hours for the court date. He knew everything about me including ss#, work address, bank account and routing # and much more! Called Missouri Information Analysis Center at 866-362-6422 and they said to change bank account #, but overall they will not do anything. Its just a scam, no worries!

Out no where it started last wk. I started get a call from a guy claiming he is officer frank martin but from another # 205-287-6895.. He very persist and has got my cell, and work # and know my last for of my social some how.. I don't know how to call and file a complaint against him.

PLEASE BE AWARE that these people are a SCAM!!!! Trying to scam good people like you and me out of our hard earned money!!! They have been calling me for months with different names, phone numbers and different "law" departments! I guess they think that if they change their names and numbers I will not recognize them for the skeevy, liying, kniving, SOB b*****ds they are!!!  I got a call today from a Mike Davis, funny how Mike has a deep Indian/middle eastern accent but his name is such a good old American name!!!! HILARIOUS!!!  

Please report these people to the United States FBI scam department in the FBI's web site.

I have had calls for months from "Officers" calling me like:

- Mike Davis (301) 563-9224/Legal Dept of the Federal Crime Department
- Roy Wilson (202)481-3310/American Law Division
- Mike Johnson (512) 646-0910 x786/American Law Division
- Mark Smith (512) 646-0909/American Law Division
- Christopher Mark (979) 859-4760/United States Crime Bureau
- Frank Martin (786) 345-1037/Miami Legal Dept Crime & Prevention
- Andrew Fletcher (347) 619-1703/Department of Financial Investigation

***Do not fall for this SCAM*** You will not be arrested, you will just be paying SCAMMERS money for nothing you owe!!!

If you want pay back..... ask them or call them back and ask (if its even a good number):

- where the account you owe money is from? ((they will say they can't provide that information over the phone and you will find out in court. AS IF!!!))

- who is the original issuer of the money you owe? ((they will give you the run around or make up some bull, sometimes they will come up with a company you have borrowed from **just call the original company if you can't remember if you paid them**))

- where are they (the caller) located? ((they won't give you an answer or it will be fake, google it... $20bucks says it is fake!!!))

- ask for the caller's company address for example to send payment? ((again they will have no answer, they will want payment over the phone with a card, bank account, or for you to send a money order... DO NOT SEND PAYMENT NOR GIVE THEM ACCESS TO YOUR BANK!!!))

- ask for a manager? ((the caller will tell you he's the manager or put you on hold and put someone else *if you listen carefully its the same person changing their voice*... you have no idea how many times I've pissed them off bc I catch them and call them out on it))

Believe me they fluster and stumble upon their own lies when you ask all these questions since they have no good answers!!!!  I have had a operator go all the way and curse at me, say most of the vulgar things I have ever heard to me and some can't even hang up the phone until you hang up so they get mad if you don't hang up and keep pestering them with questions!!!

PAYBACK IS A BI***!!!
That is all I have to say!  =)

I just had a message from a (718) 783-8996  It said I needed to call (202) 864-1219 in regards to the IRS pressing charges against me.  When I called the number back some guy answered the phone and when I said I had a message to call this number back he hung up on me.  I called back and a Indian guys answered the phone "IRS".  He proceeded to tell me that they had looked at my taxes from 2010-2013 and found that I owed $1,975.45 and if I didn't pay over the phone that I was basically saying that I wasn't going to pay and refused and it would appear that I was running from the cops.  He said as I was hanging up that officers were going to be on the way to arrest me.  He said his name was Officer Frank Martin badge number DC4672,  He said they had sent me 3 notices and made several calls and I had not received anything.  What a great way to jack up my morning.