856-831-0640

Please do not allow yourself to get upset.  These people are NOT calling from NJ.  I have spoken with the Federal Trade Commission and the Secret Service recently and they advised me to give them NO information.  They are crooks who have obtained your information illegally and have no legitimate claim to your information or your hard earned money.  You cannot be arrested for a bad debt.  Ignore them and follow the advise of ec and others here in the forum.  Good luck (and I really mean it - not like the "good luck" the crooks wish you) and be at peace.

The same thing happened to me, I have closed out my bank card # and was issued a new one.  I explained to the bank that I was a victim of a scam and they have set up a fraud investigation for me in.  In the meantime, they have refunded my money,which has been great.  I hope you can do the same and get your money back!  These people are insane...

This sounds like extortion to me and it is threatening also. File a complaint with your local police department and contact the Attorney General's office for NJ and file a complaint with them too. No one is going to come and haul you to jail about this. Don't stress over this, they are a bunch of nimrods. Enjoy your new baby and don't let this worry you.

Thanks for the information, they have been calling me for about two years
differant people, always threating to put me in jail if I don't pay them within a hour or so. They also call my work and I will file the police report and the fbi report.

They keep on calling me. Today they say that they are calling from a law firm of morgan & Associates. I googled it and there is not one in florida. I assume its florida because its a 904 area code they want me to call.

concerned- did you report them? you need to do that. and again, it's all a scam. morgan and associates do not exist. go to the postings that ec sent and read them. do not worry.

Red and others...FYI:

Update:

A consumer posting a complaint about these same scammers at https://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the Morgan Associates/US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Here's the contact information for the phone bank in India:

IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com

A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:

Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com    
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )

Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.

This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):

1) The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.

2) Alert the FBI at https://tips.fbi.gov  Be sure to tell the FBI that you are being targeted by extortionists over the phone who are posing as federal law enforcement. Be sure to give as many details as you can.

3) File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.

4) File a complaint your state's attorney general, the contact information for whom is at www.naag.org

5) File a complaint online with The Federal Trade Commission at https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

https://800notes.com/Phone.aspx/1-925-262-1327
https://800notes.com/Phone.aspx/1-678-954-6346
https://800notes.com/Phone.aspx/1-888-341-4004
https://800notes.com/Phone.aspx/1-856-831-0640
https://800notes.com/Phone.aspx/1-949-743-1140
https://800notes.com/Phone.aspx/1-410-505-8128
https://800notes.com/Phone.aspx/1-917-464-2534
https://800notes.com/Phone.aspx/1-210-858-6602
https://800notes.com/Phone.aspx/1-888-775-2121
https://800notes.com/Phone.aspx/1-949-743-1156
https://800notes.com/Phone.aspx/1-214-245-1402
https://800notes.com/Phone.aspx/1-214-245-0922
https://800notes.com/Phone.aspx/1-214-723-5572
https://800notes.com/Phone.aspx/1-904-425-2863
https://800notes.com/Phone.aspx/1-718-831-7157
https://800notes.com/Phone.aspx/1-904-425-2857

Very good info ec, thanks for posting it.

I also have received multiple calls from this number but they ask that I call them back at a different number.  Prior to this I had gotten the same calls from another number and contacted the phone company (XO communications back in Jersey) and filed a complaint.  The company investigated and disabled the phone number.  I hope to track down the servicer of this new number 856-831-0640 and have it disabled as well.  Enough is enough and these scammers have to be stopped.

They must have just moved to Florida.  They are using the same tactic using USNB Inc. with phone number 904 425 2863.

ec- you sound so much like a lawyer and your information is sooo helpful. keep up the great work!

786-866-2982 is the new number they are calling from. Same guy calls just a new line....the state of FL is going to proceed on 3 cases against me in the state of TX. Have my attorney call. And as we all know is is a scam. If you answer don't say anything to them and hang up on you.

add 786-866-2982 to the list. Same group different number as of today. Thanks for all of the great info.

THEY CALLED ME YESTERDAY FROM A NEW # 786-866-2982 SAME PEOPLE SAID THAT THERE ARE 3 ALIGATIONS AGAINST ME TO BE FILED IN THE STATE OF FLORIDA AND THAT THIS WAS THE LAST AND FINAL CALL. I SURE HOPE SO!!!

I DID REPORT THEM TO ATTORNEY GENERAL OFF IN FLORIDA. THANKS FOR ALL THE INFO TO DO SO.

See my message above dated June 20 for information on reporting these crooks to federal and state law enforcement.

OK, I originally gave them ALL my info from SS# to bank account. I have called within an hour later to cancel. What happened was somehow while online, I had thought I was applying for a www.zip19.com loan and these people called me and I assumed it was that other company. Live chatted with the zip folks and found out, no they have not called me.....SO now these criminals have all my information. I called the number they gave me 877-282-5450 and some lady answered and I told her I wanted to cancel and she assured me my loan would be cancelled. Now I am worried they will still put money in and now charge me thousands of dollars like veryone else here. I'm really worried right now.

TN Database  856-831-0640
Telephone Company:  XO NEW JERSEY, INC.
Number: 1-856-831-0640  
State: NEW JERSEY
Office: CAMDEN
Switch: CMDNNJCEGMD
Record ID: 18568310640
Entry ID: 8568310640
Records: 14
Updated: 06-05-2008
Status: ASSIGNED

Why is an allegedl law firm hiding their very recent domain registration through godaddy? I wouldn't buy it.

Registrant:
  wvvlaw.com Private Registrant
  DreamHost Web Hosting 417 Associated Rd #324 Brea, CA 92821
  ,  
  United States

  Registered through: GoDaddy.com, Inc. (http://www.godaddy.com)
  Domain Name: WVVLAW.COM
     Created on: 08-Jan-08
     Expires on: 08-Jan-11
     Last Updated on: 24-Jun-08

  Administrative Contact:
     ,   wvvlaw.com@proxy.dreamhost.com
     wvvlaw.com Private Registrant
     DreamHost Web Hosting 417 Associated Rd #324 Brea, CA 92821
     ,  
     United States
     +1.2139471032

  Technical Contact:
     ,   wvvlaw.com@proxy.dreamhost.com
     wvvlaw.com Private Registrant
     DreamHost Web Hosting 417 Associated Rd #324 Brea, CA 92821
     ,  
     United States
     +1.2139471032

  Domain servers in listed order:
     NS51.DOMAINCONTROL.COM
     NS52.DOMAINCONTROL.COM

Because it's not a law firm. It's a scam, and all their threats are false and illegal.

This is a very active group of scammers, many of whom are calling from India (and probably other countries) and are in cahoots with a group of American pay day loan scammers. They attempt to extort money from consumers with a myriad of false and illegal threats, and alternately pose as debt collectors, federal and state law enforcement officers, lawyers and bankers. Their trademark is to use meaningless legalese gobblygook phrases like "We are downloading warrants against you" or "We are filing an affidavit against you." Another trademark phrase is to threaten the consumer with something like this ridiculous phrase: "If you don't pay then only God can help you."

Typical of many financial scams of this variety, they usually demand payment via Western Union or MoneyGram or credit card. They use any number of phony names such as US National Bank, Federal Investigation Bureau, US Legal Investigation Bureau, Hopkins Law Office, United Legal Processing, Morgan Associates, United Pay Services, National Processing, White Collar Crime Unit and many more.  These criminals also use many phone numbers from many area codes; they're probably using caller-id spoofing software and/or VoIP to disguise their real location.

The main thing to remember is that anytime someone calls you demanding money to prevent your arrest, or demanding your lawyer's name so they can sue you, it is ALWAYS a scam. No debt collector (let alone criminals posing as debt collectors) has the authority to have anyone arrested for anything. (And it's illegal to them to threaten such a thing.) And since these foreign dirtbags routinely impersonate law enforcement, it's also important to remember that American law enforcement officers aren't in the business of debt collection.  (Debt is a civil, not a criminal, matter.)

The bottom line is, these are criminals trying to steal your money.

A consumer posting a complaint about these same scammers at https://800notes.com/Phone.aspx/1-718-831-7157 notes that 718-831-7157 is associated with an India-based "outsourcing" telephone bank.  Though a reverse search on WhitePages.com shows that 718-831-7157 is an unlisted land line in New York City, information on Debtbuyers.Com shows that that number is used by India-based Intellisourze. (Source: http://www.debtbuyers.com/debtbuyers.asp ) My guess is that it's a VoIP phone number.

This is another piece of the puzzle that fits in perfectly with other information about this scam. There are some reports on 800Notes that have suggested that the crooks behind this offshore scam are also the crooks behind the notorious Bass/Ellis Crosby & Assoc./States Predisposition scams in Florida and Georgia. The interesting thing is that the number of complaints on here about the US National Bank/US Legal Investigation/Federal Investigation scam skyrocketed *after* April 7, 2008 when Florida obtained a $1.3 million judgment against Ted Ellis Crosby, shutdown his operations and barred him from ever conducting debt collections in Florida (Read http://myfloridalegal.com/newsrel.nsf/newsrel ... 5257424005858A6 ) There's certainly a good chance that the crooks placing these calls from India are doing so on behalf of the American crooks behind the Crosby/Bass/States Predisposition scams.

Here's the contact information for the phone bank in India:

IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad - 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: www.intellisourze.com

A check on the domain name "intellisourze.com" shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:

Domain Name: INTELLISOURZE.COM
Registrant:  Pragra Infratech Pvt. Limited.
Email:  ankur.ranpariya@pragra.com  
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )

Though scam calls from these crooks have been going on long before May 8, the frequency of complaints about these calls increased considerably after Crosby was shut down in early April.

This is conjecture, but appearances suggest that Crosby and company were originally running a two-pronged payday loan scam operation -- with some calls being made from Jacksonville, Florida and other calls being made from a phone bank in India (and possibly other countries); then, after the Florida Attorney General shut down the Crosby scams in Florida, the Crosby crooks transferred most of their scam efforts to the India phone bank.

If you are targeted by these criminals, be sure to report them to all the following federal and state law enforcement agencies (most of which you can do online or over the phone):

1) The U.S. Secret Service is responsible for protecting the country's financial infrastructure and payment systems from international and domestic threats. Call or write your local Secret Service field office to alert them to the details of this attempted extortion. The addresses and phone numbers for the local Secret Service field offices are listed at http://www.secretservice.gov/field_offices.shtml or in your phone book.

2) Alert the FBI at https://tips.fbi.gov  Be sure to tell the FBI that you are being targeted by extortionists over the phone. And if the crooks claim to be law enforcement or lawyers, officers of the court or bankers, be sure to include that information in your report.

3) File a complaint with your local police. Most police departments will take a report over the phone.  Be sure to tell them that you're being targeted by an extortionist and give them all the details.

4) File a complaint your state's attorney general, the contact information for whom is at www.naag.org

5) File a complaint online with The Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

If these crooks call back, promise them nothing, pay them nothing and tell them nothing other than that you know they're a scam and that you've reported them to law enforcement. (And be sure to report them to all the agencies above each time they call you.)

By the way, here's just a small sample of numbers used by this particular group of scammers. Read the reports and you'll see the same pattern time and again -- phony organization names, thick foreign accents, and oddly worded threats that are so melodramatic and ridiculous that it's laughable:

https://800notes.com/Phone.aspx/1-925-262-1327
https://800notes.com/Phone.aspx/1-678-954-6346
https://800notes.com/Phone.aspx/1-888-341-4004
https://800notes.com/Phone.aspx/1-856-831-0640
https://800notes.com/Phone.aspx/1-949-743-1140
https://800notes.com/Phone.aspx/1-410-505-8128
https://800notes.com/Phone.aspx/1-917-464-2534
https://800notes.com/Phone.aspx/1-210-858-6602
https://800notes.com/Phone.aspx/1-888-775-2121
https://800notes.com/Phone.aspx/1-949-743-1156
https://800notes.com/Phone.aspx/1-214-245-1402
https://800notes.com/Phone.aspx/1-214-245-0922
https://800notes.com/Phone.aspx/1-214-723-5572
https://800notes.com/Phone.aspx/1-904-425-2863
https://800notes.com/Phone.aspx/1-718-831-7157
https://800notes.com/Phone.aspx/1-904-425-2857
https://800notes.com/Phone.aspx/1-858-244-0444
https://800notes.com/Phone.aspx/1-954-678-9724
https://800notes.com/Phone.aspx/1-610-571-3252
https://800notes.com/Phone.aspx/1-310-909-8245