I am writing because I am at work at this moment dealing with a very rude employee of Ellis Crosby and Assoc. I took out a loan from a company called Electronic Payment Processing and paid that loan off over a month ago. I have received threatening phone calls at work from a man named Samuel Lewis that works for Ellis Crosby and Assoc. once in early September just after paying the loan off and today October 28, this man has called me 5 times at work and talked to my boss once. He told my boss that it was an urgent matter and that he could help me get out of a bad litigation.

I told Mr. Lewis several times that this loan had been paid, gave him the date and confirmation number. He insisted that I was lying. I then proceeded to call the company that I received the loan from and explained what was going on. They told me that they no longer do business with that company and that they took my name out of collections on Sept. 13 the day after I paid the loan off. They told me to ignore his calls and let him know that this is harassment. I then proceeded to call Mr.. Lewis back and at that time he would not come to the phone. I asked to speak with his supervisor who pretty much told me that I was crazy and hung up on me. After all this I received a phone call from Mr. Lewis again today at my job at which time I told him what information I had got from the company and he asked me "Is this true?" I was in shock. He then told me that he is only trying to help me out of a bad situation and that he wasn't getting anything out of this and that I had not paid and hung up.

I have never been treated so rudely or called a liar so many times in my life. What should I do and who do I contact in Tennessee to complain and have this company shut down?!!

The best thing for you to do in this case is mail EC a certified letter containing copies of your payment receipts showing where you paid the loan off. Also, obtain a letter from the original creditor stating the loan is paid in full and include it with your letter. Once they have received it, they should verify the information, then back off, BUT that doesnt mean they will. They are extorting money from people that is not legally owed. They arent very smart over there, they are being sued by the Florida Attorney General and at the same time are continuing to collect debts in an illegal and abusive manner. If they dont back off once you have sent them the information, then you will need to contact a lawyer and explain it all to them in detail. Your documentation is proof enough that EC is illegally attempting to collect a debt. You should also file complaints with the BBB and the Florida and your state's attorney general. In the mean time, refuse all calls from them, hang up in their face if you have too and if they continue to harass you and keep calling back, tell them that you are recording their call, writing down the number of times they have called and will forward it to your attorney. If they argue the fact about the number of times they have called, tell them that it can be verified through phone records if need be. Good luck and dont let them bully you. EC are a bunch of liars and hopefully will be put out of business because of the lawsuit. It would be nice if criminal charges could be brought against them for instances like yours where they are trying to get money from someone who has paid their debt in full.

BTW, I too had a very bad experience with EC and am currently suing them in the State of Texas. My suit was filed two months ago and EC was served. They have yet to respond. I read somewhere in these threads about someone who works for a bankruptcy company and apparently EC has file bankruptcy. I dont know this for sure of not, but I am sure they are trying to get out of the $150,000 lawsuit against them. I just wanted to get them off my back because of thier abuse and harrasment. Since they have been served, I havent heard a peep from them.

[roxette]

Hi Tinab

Welcome to the forums.

Ellis Crosby had been doing unfair activities and harassing large number of people some months back. It is due to their mischievous activities, they have been filed a class action lawsuit by the Florida attorney general.

In this forum, you will find cove of information on this company and their scare tactics used for recovering money from the people. Read it thoroughly so that you feel stronger and file your complaints at the FTC, BBB and the state attorney general office.

Regards
Roxette

Yes they called my work and threatened me saying they were going to have me arrested and that the got ahold of my boss and human resourses for internet fraud and inter state banking fraud. I couldnt beleive it, ill pay them. They need to back off, and if you send thme money does it actually get taken off your account. I was scared though...

[Teleport]

Kris

Welcome to the forums. As far as we know, Ellis Crosy & Associates are no longer in business. They are currently preparing for their court dates.

If you pay them, it will not get applied to your account. I would recommend waiting till it gets reassigned to another agency. Keep an eye out on your credit file, if at all possible.

Reagards-
Mike

[ben]

Kris

Mike is right. The money that you will send to Ellis Crosby will not go towards your debt account. They will pocket your money and you will yet again have to pay if a collection agency contacts you later for the same account.

When this company calls you next time at your work, tell them that you are aware of their legal actions and you won't be paying them anything until your debt is validated by them.

Send them a cease and desist letter to stop contacting you. This letter should be sent through certified mail with return receipt requested. They are legally restricted to contact you after receiving your letter except giving you details about your requested debt validation.

I goy myself into a mess with those payday loans. Now I am getting calls from EC as well. The first time I sent them money, then I learned later that the people I borrower money from, never, heard of them. I am currnetly in the process of getting letters from these creditors stated that they did not hire EC to collect. Does anyone have their address?

Ellis Crosby and Associates
4494 Southside Boulevard, Suite 200
Jacksonville, FL 32216

[Teleport]

Mwhite

What number are they calling you from. As far we know, Ellis Crosby & Associates has been shut down. They're currently undergoing a law suit from everyone they harassed.

Please provide number on caller ID, and number they provided you if different.

Ted Ellis and his company has filed bankruptcy. The same people are still collecting using a different name called Anthony Galloway & Assoc. Anthony Galloway is the name Ted Crosby used when he was a collector. I filed a lawsuit against Ellis Crosby and Assoc., I've just gotten all this new information from my attorney.

So does Anthony Galloway & Associates have the same address? I would like to send them a debt validation letter.

[ben]

MD, if this company is represented by Ellis Crosby then you won't have to worry about making payment. Yes, but you can keep yourself in the safe side following the fdcpa laws.

My attorney did not give me any address or phone number for this company.

The best I can give as far as contact information is 866-438-5982 (choose x.13 to get a human on the phone). Looks like they have relocated to Cheyenne, Wyoming. How do I know this? I'm an idiot and sent them payment before I found this web site. Silly me. I will definately keep my receipts and as for their tactics....still deplorable. Will definately let the FTC and the atty gen ofc for my state know what is going on. Hope this info is helpful

The only number i have is 866-438-5982 ext. 5 for somebody named joe christianson who has a very foreign accent. When i found out i got swindled i called back and he quickly got off the phone and had some other heavy accented woman to get on the phone and she thought it was funny, told me that the guy joe was on the phone with the attorney general and hung up on me. I called back and she hung up when she heard my voice. It is a shame that nothing can be done. I would not have known anything was wrong until i had the company that i owed call me for payment. I told her what happened and she knew what happened. I faxed her a copy of my receipt from the money gram that has his name on it from the cheyenne office. Seems like something else could be done about it, but what?