9723322888

I received a series of calls from an "Officer Jack Thompson" with an orgainization called "UNLD". The phone number given is 863-873-2770. This number appears to originate in Florida, USA.

i recieved a call froma man named raymond ruth claiming to be an officer saying that there is a legal reproblem reguarding my name and ss# they have my SS# they are saying that i applid for a loan in may and was approved for 600.00 and that this was the money was transfered to my bank account..... my bank account was closed in april of 2010 and i never apply for loans so what is he talking about he couldnt give me any answers and would hang up on me saying we can take this to court. so i told him i would  havent heard fromhim since then. this is a scam they are stealing money damn pakistanys!!!!!!!

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

I've received numerous messages from "UNLD" at work, on my cell phone and at home. Each time I received a call, it's the same persons voice (male with middle eastern accent).  The first 3 calls I received, the guy left 2 different names.  Each call after that he claimed he was Office Mark Stevenson.  Unable to give me any information, I asked to speak to a manager (I wanted to find out if I was a victim of identity theft or not so I would know which steps to take) and the manager was unable to assit either. They wanted me to give them information as to how to settle a non existing debt.  As everyone has stated I was informed that I would receive written documentation only after I have set up a payment arrangement in the amount of $350. I asked if they had the account that this money was supposedly deposited into (no loan ever taken), why couldnt they just take the money out? According to Mr. Scam artist, they couldn't do that.

I was told that the police would come to my home and place of work to embarass me (his words not mines).  Papers would be filed with the courts but I could prevent that by setting up payment arrangements, and they would not send my paperwork to the courts (riiiiiggghhhht - what court do you know of is going to start a transaction on a Friday afternoon at 5:30pm).  The funniest part of it all is that they said they were trying to help me so that this $350 ghost debt didnt turn into a $4,000 debt.  

When I told them to do what they felt they needed to do, and told them that I would be reporting this scam to the authorties, the calls continued with the same sobb story.

I just filled a report also and they wont give me info where to send money either

I got a call from this number , saying that i have a case and he has my sss# , I try to call them back but they don.t answer my call, sound so scary but when i read all these message i feel sudden relief .

They call me as well, the guy has an accent and wants 350.00 dollars..

notify the Federal Trade Commission. The more information you give them, the faster we get these [***] out of our hair.

Call your State's Attorney General's Office and the Commerce Dept.  Report anything you have on them... phone numbers, names, information given, etc.  They work for a payday loan company and are trying to scam you for money.  I applied for one in August, was approved, but never finalized it and asked that they remove my request.  I never got the money, and then started getting charged odd amounts of like $19.99, and $34.19 from my checking account.  Turns out it is part of the application process, and you agree to these "bonus programs"!  I had to open a new account and launched a fraud investigation on the old one.  I am slowly getting the money back and the State is also investigating them.  If it was a legit lawsuit, which it isn't, you would get a Summons and Complaint in the mail.  Scary to get these calls, but it isn't real.  My advice, change your accounts ASAP, and contact local government.  Good luck!

Sunny,
I had the same thing happen.  He even went as far as telling me I had no way of proving that I never accepted the stupid payday loan.  Uhh, bank statements idiot!  He asked me to fax it to him.  No!  I already changed accounts and have a fraud investigation underway at my bank.  They charged my account over $170 in "bonus program fees" since August 20th.  Ridiculous.  I had to cancel 5 "memberships" and now I am working with the state Attorney General to nail these clowns and get my money back.  E-mail me at supermom8023@gmail.com if you have any other questions.

yes i just got a call today from 469 821-0335 saying they were going to file charges on me for me to verify my ss# they had my address email address  he said his name was george miller fron unld and when i asked for the address he refused to give it to me saying he hasnt filed the papers with the courts but if i have a lawyer saying i opened an account at a palm desert national bank

i got the same message to my cell and the number on the caller id said 04 so i ingored it to get a call from a man with a heavy accent and he said i had a payday loan an they were going to file charges and i never had a loan or an account at the bank they said they asked me to verify the last 4 of my soical they had my address dob email address its a scam im calling better buisness bureau he said he was from und his name was gerorge miller the number was 469 821 0335

I received a phone call from this person impersonating a police officer by the name of Jack Thompson. He said he worked for a law firm by the name of UNLD.
He also stated that it was urgent that I call him back. He said that they were located in Austin, Tex. But he clearly had a distinctive accent. Sounded Indian (Hindu).

I received a phone call from this number today as well.  They said that they had my social security number, my address and my place of work.  They wanted me to pay $350 and could pay them in 2 payments...one on November 1, 2010 and one on November 15, 2010.  He told me that he wanted me to type up and form in which to authorize him (Simon Wilson) to withdraw said sums out of my account on the dates I stated above.  His fax number he gave me was 707-638-7212.  I will call the Federal Trade commission and the Police Department in the area in which I live tomorrow and report this.  This was all about a payday loan from a company called PayDayOne.  I will contact them as well.  Please, if anyone knows any more, please let me know.  Thank You.

After reporting these idiots to my local sheriff's dept and UNLD was contacted by them, the calls stop for a while and now they are back with a new twist....they claim to be cops and demand a return call.
Please Please be careful with these people.
they are also using a local number here of 719-289-3394

OMG!!!! I just got the same freakin call and am sooooo pissed. What are these people doing....asked the same questions....

If this person calls me again I will file charges...469-821-0335

I also got a call from Sam Wilson,  He wanted to fax him my C.C# and my DL # and a payment plan so I could pay his company back or they would file charges on me I tried to call him back but his voicemail was always full..  Has anyone else gotten a call from him

The same thing happen to me.What do I do ?

I have been having the same thing they called my job last year I have all the msgs saved..Now they are calling again how can I report this to the FBI....I am getting introuble at work because they call constantly...