877-709-2812

I am also getting calls from these folks......and when I use my cell phone to call them back they say call from number we called you on with yor account info.....they are calling my cell phone, which we all know the number could have belonged to someone else before me. Dont know why they are calling me..

Just got this # on my cell, I ignored the call!  I believe it's from a payday loan ap I did online for my husband.   I don't answer my phone for #'s I don't know even if they are in my area code! lol  I have block caller on my phone and I always send those #'s to the block list, especially if they don't leave a message!

I'm going to donotcall.gov and leaving a complaint, my phone # is listed and I didn't give permission for my # to be given out to everyone on earth!

Thank you for filing your complaint with the National Do Not Call Registry.

Do not call complaints will be entered into a secure online database available to civil and criminal law enforcement agencies. While the FTC does not resolve individual consumer problems, your complaint will help the agency investigate the company, and could lead to law enforcement action.

Click the following link to file a complaint if you are listed on the Do Not Call Registry

https://complaints.donotcall.gov/complaint/complaintcheck.aspx

Got a phone call from this number tonight and when I answered I could hear noise in the background but no one replied to me. So I hung up, don't know who it is or what it is about but I'm sure they will call again

Just started getting these calls today.  It was definitely generated from a payday loan application I previously filed with a different "reputable" company. For the person above that did the online loan application, you're information either been sold by Moneytree or CashNetUSA.  If you recognize one of these, let us know.  I'll file a complaint with them also.

I have been getting calls from this 877-709-2812 number saying I need to finish info so my deposit can be made.  I don't respond but have blocked this number.  Since I have gotten calls from this number I have also received calls from 424-901-0138 saying I am in trouble & a pending legal action is going to happen.  Mind you I could barely understand this person as their accent makes it hard to understand.  They tell me to have my lawyer contact them as I have recieved a loan and not paid it back by Cash Net which I have no idea who that is so I have blocked that phone number also.  What can I do to protect myself and my cell # from there creeps????

I just got a call from them and i ignored it.. does anyone know anything about it ?

I GET CALLS FROM THE "YOU ARE GOING TO JAIL IF YOU DONT PAY THIS BACK" from that number you just posted.  its from a scam company called ACS...a bunch of "foreigners" run it and try to get all of your information. just dont give it to them.  --they will become verbally aggressive with you just an FYI

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

started getting phone calls from this number and also a 877-344-1560.  have no intention of responding to them anytime soon.  how can I report this people and have this to stop

I was getting cals form them too! everyday from 5am on. BS scam!  I was so mad they started cursing me out. calling me all kinds of B's....i turned the tables around...called THEM back about 50 times in a row..calling them a bunch of names. they stopped calling. lol!

yes i been getting it past two days but i never anwer.

yes i receive a call from this number

I received this # this morning at 9:45. Me and my fiance were sleeping seeing that he works second shift and I try to fallow it to spend as much time with him possible! I don't put up with this sh** and the last thing these ppl want is for me to amswer

These people are a BIG SCAM, they will tell you that you have been approved for a loan and then they will ask for your "bank account information" and once you give them that they will clean out your account every chance they get.

I am telling you THE TRUTH, don't give these people your banking information, they will rob you blind. IT's a scam to steal from hardworking people.

Keep in mind, they have stolen your name and phone number from a previous loan application that you filled out on the internet and they have everything except your account info and they will manipulate and lie to you to get that. ........Please don't fall prey to these scammers.

this is the first time i've gotten a call from this number, 877 709 2812. however i've gotten many calls from other phone numbers
the caller left a message saying this is a very important call for you then said other stuff i could not understand what he was saying with his heavy indian accent, then stopped talking heard alot of noise in the backround.. then hung up

how do I block a phone number on my cell phone?

Cori,
I was getting calls from the 424-901-0138 number also back in June. It is a huge scam, these people are in what sounds like a warehouse, most likely located in India or Pakastan. They told me a defrauded a national bank ie cash net & they were downloading an affidafid. When I asked any questions to get more information they became extremely hostile & threatening. When that happened, I knew they were no attorney office, they couldn't even give me their bar number. I have sinced told them to quite calling me at work & even had my hr manager tell them. I have not heard anything since & have not received any lawsuit. These people are working through intimidation hoping some one who doesn't research anything will just send them money. If you google money scams in india, a whole bunch of useful information comes up. Don't pay them a dime.

I guess someone requested a loan and gave them my phone number.  I can not get them to stop calling..

watch out for this number 325-766-7129 another scam...name is jeff covington who sounds indian or foreign and cant make out message but say they from acs and they want your social security number...an american name with a foreign accent is already fishy...dont take their bait.