Ellis Crosby and Associates

Hi mdow315,

Welcome to the forums.

Quote:

I do have the moneygram receipt that says I paid it to Ellis Crosby and Associates. It laso has on the reference the payday company that it was supposed to go to. I did talk with Ellis Crosby and they said I would receive a letter in 7-14 days saying my account was paid in full. Do I have any other recourse at this point on getting back any of the money over my laon I paid?

I sent them Ellis Crosby and ASSociates 200 of the 600 they told me i needed to send them through money gram, but after i got myself together enough to realize what they have been doing i went back and found out they did not pick the money up, Check to see if the money was sent through, if not you can do what i did and cancel it and have your money either sent back to your account or redirect to you. That way you have your money atleast till this mess is cleared up.
let me tell you Paul Epstien for this Ellis Crosby and ASS ociates, was very mad that i told him i was only sending 200 not 600 and that he would take it or leave it, then i know that after days (3) went by and the money was still at the money gram place that i needed the money more than they did obviously, so i took my money back. I have not heard from them in 2 months.
Probably will now that i am talking about them, hehehe
but that is ok, I AM SO READY NOW :twisted:

Rich - Have you realized one thing that people from Ellis Crosby contact the consumers once only? After the consumer notifies them of their illegal action, they stop calling them further.

I guess from where they are getting information about the innocent consumers. :o

ben- Yes I notice from my experience and the experiences of other here on these forums that the effectiveness of their collection habits normally only take one call. They brought me to my knees begging god for help, when i got the infamous call, the ring heard around the world, so it seems. It is solely my intentions to take this matter as far as i can possibly take it. Im thoroughly pissed that my rights were violated in this manner. I already felt guilt for my inability to repay my loans, which probably justified the mental and emotional state of mind i was in once i got the call. I can not beat myself up like that, it is simply not healthy for me.
I WILL GO TO ANY LENGTHS TO BRING THIS VIOLATION TO JUSTICE AND TO HELP OTHERS THAT FALL VICTIM TO THIS COMPANY. WE DONT HAVE TO WALK THROUGH THIS ALONE!
RICH

I just got a call in the middle of work from Ellis Crosby and Assoc.
It sounded fishy from the beginning.
I knew ahead of time that I owed payday loans to two companies: E-DollarsDirect and Alpha Processing. I hadn't yet been able to pay them but had every intention to this coming week.
Keep in mind, neither one of those two payday companies above contacted me at all regarding my outstanding loans.

The Ellis rep called me and told me I was being charged with intent to maliciously defraud those two companies with US currency. What???? Then when she gave me the two totals I owe, which were MUCH higher than I borrowed, she told me that there was a TWENTY FIVE dollar late fee EACH week after I had taken out a loan. I DO NOT remember reading that in anything I signed.

As it stands, she said I have until 2pm to send those two totals, which I DO NOT have. She said it then goes to court, my county will be notified and I will owe $1800.

IS this legit? I do not know. If I get a federal court-ordered summon from my county, I will pay something, in order to avoid court...but this is nuts.

It is not legit and they cannot demand you to pay anything only a court can do that in which you will be notified of any court apperances by mail, or corrier. Do not be intimadated by them at all

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I am SO glad I found out all this information before 2:00 when my deadline was for payment via Western Union. I also only borrowed $300.00 from E Dollars Direct and Investigator Karen Baker tells me I owe an additional $395.00. I don't think so and to think I almost sent it!! If anyone needs another voice to be heard, I am HERE for you and will do whatever it takes to be sure this company doesn't intimidate others as they seem to continue to do to make money that does not belong to them. Anyone else out there I hope will join together and not let them get away with this scam. If someone will please let everyone know exactly what measures we need to all take to stop them...PLEASE let us know ASAP!!

Hi missiville

Welcome to the forums. We are glad that you gathered the necessary information before you were about to make a serious mistake.

Next time, when you get the calls from them, be aware of your consumer rights as per the fdcpa law and do not feel shaken by their threatening calls. They just can't do anything more than that.

Also, you will get necessary updates on everything relating to debt issues and easy ways to solve them out. Please consider yourself registering with this site totally free of cost and join the community.

Your successful registration with this site will offer you free counseling and budgeting programs that will help you to deal with any financial problems in your daily life. A free registration in the sign up page will enable you complete guidance in solving the debt related issues.

Regards
Roxette

[quote=missiville]I am SO glad I found out all this information before 2:00 when my deadline was for payment via Western Union. I also only borrowed $300.00 from E Dollars Direct and Investigator Karen Baker tells me I owe an additional $395.00. I don't think so and to think I almost sent it!! If anyone needs another voice to be heard, I am HERE for you and will do whatever it takes to be sure this company doesn't intimidate others as they seem to continue to do to make money that does not belong to them. Anyone else out there I hope will join together and not let them get away with this scam. If someone will please let everyone know exactly what measures we need to all take to stop them...PLEASE let us know ASAP!![/quote]
Missiville,
you stated you are willing to help, here's what i ask:
call Summer Saladino @904-348-2720, she is in Economic Crimes Dept. of the Attorney General's office in Florida. Ask her How you can file a complaint on this company. And Please follow through.
Your voice can and will be heard but you have to raise it to the point to be heard and understood.
Thanks,
Rich

Thank you SO much, Katie and Ben!
I appreciate your support and info!

Yesterday, after I received my harassing call, the woman who called me took it upon herself to call one of my co-workers around 2pm (I had left work already). Apparently the woman "investigator" went beserk on my co-worker and demanded that my co-worker give her my HOME phone number. Luckily, I work with the gvnt and handing out info like that is not allowed.
My co-worker called my home all upset saying that the "investigator" was demanding to get a hold of me, that she was going nuts on the phone, and that she said she's going to call my boss.
I had to reassure my co-workers, embarassingly, that the woman is NOT an "investigator" and that I'm not going to get "arrested."
My co-worker informed the "investigator" that calling my work and harassing people is illegal and that she'd best not do it again....to which the "investigator" replied, "We ARE a government agency, too."

Uh, no you're not. So....today I am going to contact ACA, FTC and Florida about this.

My question, however is...if we DO have outstanding loans, what should we do about paying them? I have 6 loans out and need to pay them all off.
I just got done getting in a HUGE fight with Sonic Payday loans...where one of the "loan officers" said he was going to send me to court, and etc...This guy called my work incessantly and harassed me nonstop and was rude. I had to change my phone number and address (got a PO box).
I'm considering a debt consolidation right now, since I'm slowly falling in the red. At 19 years old, I would have never imagined I'd be going thru stuff like this! :roll:

Well they don't know when to quit!

I just got ANOTHER call from "investigator" Sanchez.
She asked me to send money TODAY. She tried asking for my home number, but I wouldn't give it to her.
I briefly thought of giving her the Florida State's Attorny number or Summer's number, as my "home" number but I dont want to get myself in trouble.

She said she's going to send me an "exoneration" letter. Has anyone else been told this or know what it is??

Gutiar-
I am in the same boat but i have 13 loans! And im only 21. I think this whole thing we are all having to go through is CRAZY! I think they should stop possing. I have talked with Summer and she has told me that anyone else we can get that is having problems, please contact her. You can find her info on the website of Charlie Crist the Attorney General of Florida. Please talk to her :) THANKS
Ellis and Crosby deserves to be shut down, they do not work for the goverment, otherwise the goverment wouldnt be trying to do invesgations on them :)

I took out 2 pay day loans from 2 companies e-payday & debt dr. The loans were for $200 & $250. Neither one of the companies got in touch w/ me inregards to my loans. I left several messages for the reps @ the companies. No return call. On Thursday 7/28/05 I get a call from Investigator Olivia Valentine @ 800-491-8615 xt 213. She tells me that Fraud charges are being brought against me in my local county if I don't pay $1105. I'm like dammmnnnnn the loans were originally smaller that that. So me being the scared perosn that I am when it comes to any type of court issue that I don't want any part of i tell her I can only send in $505, she goes ok here is the moneygram info which i wrote down. THen she goes when will u be able to pay the rest I said on the 12th(when I get paid) she goes we can only give u until next friday 8/5/05. She goes if it's not here by noon 8/5/05 we will return your money & proceed. I;m like ok. today I google in ellis crosby & associates & find this forum :lol: now i'm happy. can you please tell me what I should do from here.. She hasn't called me back yet to tell me what's gonna happen. I see they r suspended for 90 so if they r what recourse do I have seeing how they r calling me please help!!!!!

Ok first of all, how can this company continue to do this to people? I just don't get it, they should be shut down! How many complaints do they need? They have 66 complaints on the bbb website against them. I just can't believe they can continue to do this! I sent them a C & D letter early July and have not heard from them since... but I feel like they are right there, maybe getting ready to call me, for just a simply loan from FSM processing that I am willing to pay back but can't because I would never send money to Ellis and FSM will not work with you.

Hi taraye10

Welcome to the forums. I am glad that you have gathered some useful information from this website and now you know that you cannot get intimidated by their illegal actions.

Please send one cease and desist letter and ask for validation of the said debt. It is your legal right to know the complete details of your accounts.

http://www.debtconsolidationcare.com/validation.html

Quote:

I get into work again this morning...and another call! I picked up the phone and I hear this deep, rude voice ask for me. I KNEW who it was so I hung up the phone. He called back 5 minutes later ("Investigator Michael Thomas") and asked me if I'd made a payment yet. Again I told him "no" and he hung up.
When do they stop??? I really hope that their "business" goes under VERY soon....

"Investigator" Sanchez called me again earlier and she accused ME of being a liar. I said, "Well, speaking of liars, you KNOW your 'business' is under legal surveillance and suspension, so you shouldn't be contacting me. Period." Then she panicked and said, "No, that's the COLLECTIONS part of our 'business' not the LEGAL part."

Uh huh. Needless to say, she hasn't contacted me since.
I sent a copy of that awesomely-written letter to them via fax :-)

Hi guitar_slayer

I am sure that you must be feeling much relieved after sending the letter to Ellis written by the moderator of this website Roxette

We definitely should thank him for rendering continuous help to all of us.

Does anyone have a number or fax or email for the attorny general in Florida?????

Hi BethN

Please have a look at the following URL and have information on attorney general in Florida.

http://forums.debtcc.com/forums/about2671.html

Regards
Roxette

i recieved a call from them also.it was Sanchez, telling me i need to borrow some money from a family member, because i was about to goto jail for fraud and
bad checks because i have a couple of payday loans unpaid. I have never been contacted by the payday companies, but i get a call from her., I have every intention of paying it back, but i told her, i am on disability, and i have to pay somrthing on it once a month. of course that wasn't acceptable. Then she mentioned Eagle national bank, i said well i will called them, she let me know they will not accept phone calls. Spmething is fishy, something needs to be done about this. Help

they cannot do anything to you
Please file a complaint with the florida attorney general
You can look him up on the web
Charlie Crist

Yes, Ellis Crosby cannot do anything during the suspension period.

You can read the feedback of other members in the forum and realize that Ellis Crosby is involved in all sorts of illegal activities to recover money.

I guess how they call people when they know that we all are aware of the facts. I appreciate their dedication to their work. Though it is not giving positive results, but they keep trying. Guts

hi i was a victim just today about a3 hours ago by the name of S.MOORE. she demanded that i sent them money today. i was scared to death, i gotten real nervous about this.somthing needs to be done about this. i also asked for some kind of paper work, she stated that she could not give me any until i sent the money. i took it upon myself to look them up and this is what i found. who ever started this message bord thanks you help calm me down.

Your welcome :)

I rec'd a call on August 24th telling me I need to send $665 dollars or they will call my employer and send someone to take me to jail. I did send the money and I have a copy of my Western Union receipt. Is it possible for me to get my money retrun to me.

they really need to get a GRIP on this
everyone please read this article
myfloridalegal.com
and then go to news releases
they are being shut down


[color=red][size=2][Link made inactive. Please copy and paste the site address in your browser.-Mike][/size][/color]

I am still over here shaking from the call I just got from a representative from Ellis Crosby and Associates. They gave me the 2pm deadline as well. They told me that my case would be downloaded to the courts and that I would be brought up on charges to defraud a payday loan company. I have every intention on repaying the loan but i have been out of town and did not have access to any information regarding the company. I thought I had paid the loan off but can not quite recall. The lady was very demanding and scared the crap out of me. I told her that wouldnt be able to pay until the 15th but she said they wouldnt be able to wait that long. Mind you I have not received anything in writing nor a phone call or email from the payday loan company. She claims to have my case and that she is handling it and that I can not make arrangements with the payday loan company any longer. What do I do?????

Nothing! You wait until the case between Ellis Crosby and the Attorney General is over. The 1st hearing is on monday, But they are pushing for extension for discovery!
That company cannot do anything to you, i would not pay them NOW because your money wont go toward the debt it will go towards their last paycheck.
They are being shut down by a court and face federal charges.
Dont send them anything they cannot do a thing to you.
Im not saying dont pay but i would wait until a new company is hired and your debts will be sold to them, maybe they will be honest with us, and not use scare tactics.

I was, like another person here, extremely nervous and panicking trying to figure out what I could do on such short notice. I got the call around 11:00 and they wanted me to send them $300 by 2pm. I am in between blessings right now, so I have no money to send them and I told her that. Most collection companies make arrangements with you to repay the debt. Not say, pay in full or else we're taking you to court. I immediately did a search on this company and THANK GOD i found this website or else i would have gone the rest of the day nauseaous because I was so nervous. Thanks for your help!

Lady B,

Same thing happend to me today. I was nervous, shaking, and just could not think. So i decided to call this attorney that i know because some points in our conversation popped in my head. If i am going to be arrested, why did she verify my references? She said she left a message on my home number, that was a VOIP line, i had it turned off a month ago. So i called the attorney he said he will call them, He also said i am suppose to get something in writing.

How can people make a living out of scaring others.

Katie has written it very correctly. We will be paying our debt to someone who is honest. Not to a company which is already undergoing legal actions.

That was my concern. I thought that if I am being brought up on charges, why are you calling me? Usually once that happens, you arent given the option of settling out of court correct? I havent heard back from her but I cant wait to hit her with the knowledge I have obtained thanks to websites like this.

Hi LadyB

Welcome to the forums. You will get sufficient information in this website about many such companies that are involved in unfair practices.

Also, if you have any comments and suggestions, you can post it here for the community welfare.

Regards
Roxette

Thanks! I am only 28yrs old and I have serious credit issues. Its like I dont have enough established credit to get a credit card but I have a car. I some other items on my report that are keeping me from having a half-way decent score.

Hi LadyB

Please use the following tips to improve your credit score.

Check for incorrect entries - It is mandatory to check your credit report for any mistakes from all the three credit reporting agencies. You can review your report for at least once in a year as well as several months before you apply for a loan.

Timely payments It will be considered a very good practice if you always pay your bills on time. Your prompt payments will put you in a much comfortable position before you apply for a loan. This point is emphasized because a late or missed payment just before applying for a loan lowers the credit score and has worse impact than a missed payment five years ago.

Bring credit balance to the minimum - It is always beneficial to reduce the credit card balances as much as possible. The FICO scores get affected due to how much money you owe on some cards relative to your total credit limit. Credit scores are seen improving if the balances are kept below 25% of the credit card limit.

Don't linger your payments It is suggested not to increase the ratio by closing an account and transferring the remaining balance to another account since the ratio of the credit card balance is linked to the credit limit. Doing this will lower the credit score which should not be generally done while you are on your way to increase your credit score.

Unused accounts to be kept active - While you are applying for a loan, it is suggested not to close any unused account. At the same time, it is suggested not to open a new account also during that time. It is said because if you are having a short credit history or less number of accounts, the credit score gets lowered when a new account is opened as there is no proven track record of it.

Please do let us know your feedback. We will appreciate your comments and suggestions for the community welfare.

Regards
Roxette

I jsut had someone call me and say i was being charged with all kinds of crimes for not paying a loan. At first I had no idea what he was talkinga bout. They told me I had two hours to get them 600, which was double of what I borrowed. I am unsure of what to do from here.

Hi Nicole

Welcome to the forums. It seems that you are still not informed about the illegal practices done by Ellis Crosby. You can browse through this forum extensively to get a better idea on the said company.

Ellis Crosby has been using all sorts of illegal pretexts to make people feel guilty and thus, they pay to them hurriedly.

Even if you pay anything to them out of fear, your money will not go to your debt account if you really owe. Make use of your consumer rights before you commit any mistake.

Regards
Roxette

Thanks for the info. I have read here and saw that they were phony. I guess I wanted to make sure there was not going to be a true trial like they told me. They tried to act like they could contact my bosses and things like that. It was real ugly what they said and did.

In this forum, almost all the grievances are of the same sort but we have so far never heard any such painful story where a legal action was possible by the said company.

It allows me to conclude that they can only bark but never bite.

So, it sounds like they are just another creditor trying to get money paid to them and they are using illegal measures to do what they want.
That takes a load off of my mind that they are just threatening people and scaring people. I am glad I did not rush to try and send them the money.

Thanks goodness for forums like this!!

It is a very good idea to do some research before any company sounds fishy in their activities. Maybe you can save some extra pain from occurring in the later times.

I received a phone call this morning from a Mike Thomas from Ellis Crosby who said they are going through my backround and they are going to have me arrested if I don't come up with 500.00 dollars by 6pm I only received 200.00 from cash opt and I know I owe them and talk to them already and told them I will start paying something next week but then I get this threating phone call from Ellis and Crosby what should I do about these calls?

I like many others became overly worried that the things they said were going to happen, go to jail, prosecution of hot check writing, internet frausd of collecting usdollars with no intent to pay etc... and then I called E-payday and they said that EllisCrosby no longer had the account and were going out of business for illegal collecting practices. I called my bank immediately to see if there was a way to get my money back and they said that as soon as the transaction posts, I can dispute the charge and pay the correct company. Needless to say this entire situation has got me on edge as I am unsure who to trust. Who really has the rights to collect on this account and has my payment which was $100 more than I owed cleared the debt I owe on the account??? I am contacting an attorney to see what my next step should be. Good look to all that have been taken advantage of by this company...

Twanya

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Ellis Crosby and Ass. are also going by GTO Collections

Kathryn

Do they have a seperate phone number for GTO collections?

Mike

The first day Ellis Crosby & Associates called me at work I was off that day. They told my co-workers that I had a warrant for my arrest and that they better contact me and get me in ASAP! The next day the whole office was in an uproar b/c they wouldn't stop calling saying they were sending someone to "get me". After I had my local sheriff's office call them they were very angry and aggressive. I knew they were not legit but I was humiliated! I just found out today that there is an open law suit against them and will do what ever is in my power to help bring them down!