Ellis Crosby and Asst. harrsing co-workers

Just tell them you are recording this conversation for use in legal actions and that they must stop calling you. Tell them you will also be recording all incoming calls from this point forward. And do record the conversation. I will bet they stop calling emmidiately.

Also, see the other postings on this site. There is a lot of good information about them.

Hi joyh6459

Though I know it is unbearable, but I feel that you should not get afraid and feel sad about the harassing calls from Ellis Crosby.

Please go through the various post of Ellis Crosby available in this forum and I am sure that you will feel comforted after reading them.

Regards
Roxette

like i said in the orginal post they left message for me or my attorney to them well imy attorny called and left 4 messages they did not return there call and i also filed a complete with the ftc and the fl staes attorney found a web site that ask if you were being harset by them to call so i did i didn't receive any cals today some maybe it will stop i hope

Yes, I think all the illegal collection activities will be put to an end by the mentioned company.

The Attorney General's Office has received more than 120 complaints about the company, and more complaints continue to come in on a regular basis.

The Attorney General's Office of Florida is a HUGE help! THANK YOU SO MUCH

I just got a call from Ellis Crosby at work and it was very disturbing. I am shaking so hard and almost in tears. This guy proceeds to tell me that he has an officer waiting to "process" me for fraud for non-payment on a payday loan. I proceeded to ask him who he was with and if I was being arreste. He refused to tell me the company name, I only know it because I called the number back and got the answering machine. He then proceeds to tell me that I am "avading" and "trying to control" the conversation because I simply asked him to identify himself and what company he was with. As soon as I told him I was recording him, he got very rude and eventually hung up. I dont know what to do, he asked me to verify what building I was in because apparently he just drove by it and was coming to see me to "process" me. I dont understand, but that sounds alot like he was threatening to arrest me. What do I do??

Hi Tracy

Please do not worry about this call from Ellis Crosby as they have been involved in illegal business acts and have been violating the law.

Please read the following post to comfort yourself from the present situation. Also you can read other posts of Ellis Crosby and realize that have been repeatedly harassing many other innocent people endlessly.

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

Regards
Roxette

Roxette,

Thank you so much for your reply. I have also been on the phone with my local authorities who have assured me there is no one waiting outside my office to "process" me. It's just that I have never gotten a call like that from a collection agency. I thought that kind of stuff was illegal.

FYI, To date, the Attorney General's Office has received more than 120 complaints about the company, and more complaints continue to come in on a regular basis. Because the company is continuing its improper practices, the Attorney General's Office is seeking an expedited hearing to impose an immediate temporary injunction to halt the unlawful activity.

A copy of the civil complaint can be found online at: myfloridalegal.com

I just got through filing formal complaints with the FTC, the BBB and the Florida and Texas Attorney General.

Sincerely,
Tracy

Tracy, I see you :D now

Yes we are aware of this whole thing, As we are the ones who sent out affidavdits in to Summer Saladino!
She is the best!
I hope you will file one with her too

Definitely, we all will work together. We can do it when we all stand united.

don't they know that we're watching too. i mean come on...we can do a google earth search and zoom in on their building too.

Katie,

How do I file an affidavit with Summer?

Thanks
Tracy

go to myfloridalegal.com
and fill out a complaint form, do not be afraid to fill in ALL the information. They are helping us.

Katie, I did that yesterday. I just didnt know who would be reviewing the complaint and if I needed to contact Summer directly. Thanks

You can contact Summer at 904-348-2720 and ask for Summer Saladino. She can expedite the process to get the proper paperwork to you to file an affidavit. That's what I did.

Hello everyone, I was so shaken by my experience with Ellis Crosby & Associates that I drafted the following letter to them this morning. Do you think its a good idea to send it to them? Will it perhaps stop any further abuse collection calls or perhaps open their eyes that their illegal actions will not be tolerated? Just curious...thanks

Ellis, Crosby & Associates Inc.
Attn: Ted Ellis Crosby
4494 Southside Blvd., Suite #200
Jacksonville, Florida 32216


Sent via Certified Mail with Return Receipt# XXXXXX

Re: Abusive & Illegal Collection Practices

Mr. Crosby:

This letter is to inform you that I received a very disturbing and abusive call from one of your employees yesterday by the name of David Wakefield and because of his actions I have filed formal complaints with the Better Business Bureau, Federal Trade Commission, Florida Attorney General's Office and the Texas Attorney General's Office.

The following is the conversation that took place and was the subject of my formal complaints:

Mr. Wakefield left a message on my voicemail at work stating his name and number requesting that I or my lawyer call him back immediately. I was out of the office momentarily when the message was left, however within fifteen minutes of my return, Mr. Wakefield called back and was put through to me. Mr. Wakefield proceeded to tell me that I was being charged in the State of Texas with internet and bad check fraud because of non-payment and returned payments of a payday loan with Arrowhead Investments. He proceeded to tell me that because the loan was taken out via the internet on my computer at work that a ???serious federal crime has been committed??? and that he had an ???officer waiting to process me???. I asked Mr. Wakefield to tell me what company he was with. He would not answer me and proceeded to ask me to verify which building I was located in at my place of business because he ???just drove by and was on his way to process me???. I asked him if he was a police officer and if I was being arrested for something, he would not answer me. Mr. Wakefield put me on hold momentarily and when he returned, I again asked him who he was and he would not answer me. At that point, I became very nervous and terrified and I insisted that he tell me who he was and if I was being arrested for something. He kept interrupting me and would not answer any of my questions. He proceeded to tell me that I was ???evading the conversation??? and ???trying to control the conversation??? and that ???he was not going to allow it???. At that point, I informed Mr. Wakefield that I had been recording the conversation. He then hung up. I called your office back and left a message regarding the conversation and requested someone call me back to let me know what was going on. I have not received a return call.

I was extremely disturbed by the conversation I had with Mr. Wakefield. So much that I was shaking. I was in tears when he hung up and was afraid to return to my desk. When I finally did return to my desk after peering through the parking lot, I took it upon myself to call my local authorities to verify if I had been charged with a crime and was in the process of being picked up at work and arrested. They assured me that I had not been charged with any crime and whoever threatened me with arrest was breaking the law.

In my opinion, Mr. Wakefield committed some very serious violations of the Fair Debt Collection Practices Act. Mr. Wakefield repeatedly threatened and intimidated me with arrest, he falsely implied that ???an officer was waiting to process me at my place of business??? he then falsely told me that he ???just drove by my place of business and was coming to process me??? (implying he was an officer), and he falsely accused me of committing a federal fraud.

Mr. Crosby, I know my rights as a consumer and Mr. Wakefield's actions are inexcusable, not to mention illegal. I am currently seeking legal advice regarding your office's abusive collection practices as well as how to pursue an appropriate course of action.


Regards,


Tracy Massingill

Tracy,

This is the right thing that you have done in order to safeguard your consumer rights as per the Federal laws. If we all take these illegal actions as granted, then we are hurting and digging a hole for ourselves only. We need to understand that we are not oppressed by anyone and we have the legal right to take action whenever required.

Never feel alone in what you can do from your side as long as you are genuine with your reasons. We all are facing similar problems and we should stand united with each other.

Regards
Roxette

way to go tracy!!!

you probably won't hear a response back from them. whatever they say...anything they say is the wrong thing.

roxette i beleive posted a court order of mr crosby to appear. it had about 7 stories similiar to yours.

roxette...do you have the link?

Mikey, I guess if you are looking for this link

http://www.debtconsolidationcare.com/forums/elliscrosbynews.html

yes...and at the very bottom is the civil complaint. you'll have to copy and paste.

it's about 35 pages long, and it goes into great detail about the charges against him.

Here is the firm they are actin under
Johnson Chahan Law Group
200 West Forsyth St. #1401
Jacksonville FL 32202

isn't that where the call center is. where all the investigators work?

THERE IS NO INVESGATORS!THEY CANOT DO ANYTHING TO YOU
They are NOT lawyers and they are NOT anything special!
They are being shut down, and have a $15000 fine to pay to the goverment! Im about to go after them myself now that i know i can do it! I would suggest you do the same! Get a contingensy lawyer

I was kidding about the "investigators". I know they are just collection reps. I just think it's funny they call themselves that.

I was kidding about the "investigators". I know they are just collection reps. I just think it's funny they call themselves that.

mikey, katie, can we help netrascal at this link:

http://forums.debtcc.com/forums/collection-notice.html

I am a bit confused over here

im sick of it too! im thinking of filing a suit too
Do you think we will get anything

mikey, katie, thanks for your help to netrascal. I was also thinking about the same thing of not disclosing my personal information. We never know how the collection agencies will use our personal information!!

Check this out!!!
on page 24 of the legal documents it says that we will be getting our money back!!!!!! I CANT WAIT!
But being in the LAW FEILD it might take a year! If they call me and ask me to take payments i will DEMAND payment in full! HAHAHAHHAAH, IM LAUGHING SO HARD!

Katie, wow!! that's great!! it's working

It seems unfair to return money that was paid if you truly owed a debt and paid for it. These folks may not do it the right way but they are hired by the loan originators and are doing a job. It is important to remember that yes you have rights and you should excercise them but keep in mind that the debt doesn't go aay and if the debt was not valid why would anyone have hired them in the first place.Express the willingness to pay the debt, do what it takes to do so, and you on't have to speak to them again.

:roll: I don't think anyone here is trying to get out of paying their legimate debts....however, due to the illegal threats of arrest and unending telephone harrassment, many of us have paid much more than our original debts....in my case, I paid Ellis, Crosby $1142.50 in total for 2 payday loan debts that totalled $640.00....more than $500 more than my original debts. Is this fair??? I admit I was intimidated by them threatening to have me arrested, and complied with their demands, but have since done my homework and found out that Ellis, Crosby operates in direct violation of federal law. The Florida Attorney General is taking action to get us, Ellis Crosby's victims, reimbursment for the money that we paid over and above our origninal debts, money that we should have never paid, NOT every penny! "Guest," please check your facts before making such derogatory comments!

Yes Katie, you should file suit. Sue them because YOU took out a load after reading the TERMS and CONDITIONS. You then DEFAULTED on the load by not abiding by the CONTRACT which you are legally bound. Had you UPHELD your end of the contract, this post wouldn't even exist. Since my other post was directed at people such as yourself who don't take PERSONAL RESPONSIBILITY for their OWN actions, here it is again just for you:

While I don't agree with everything these collection companies do, I really don't agree with the fact anyone should get their money back. Just to clarify this:

You took out a loan after reading the TERMS and CONDITONS. You completed the application and any related paperwork which legally binds you to the contract. You didn't abide by the TERMS and CONDITIONS of the contract and DEFAULTED on the loan. You were assessed penalties and fees which are stated in the contract which you agreed to. You paid what you were LEGALLY obligated to pay since YOU defaulted on the loan. You now want your money back.

Yes, that makes perfect sense to me. Had you PAID the load back or never taken the load out in the first place, you wouldn't even be here talking about this. If you were unaware of what TERMS and CONDITIONS the contract clearly laid out, then maybe you should have taken the time to read it better since ignorance is no excuse.

It amazes me how many people accuse these companies of criminal action but how many of the accusers commit criminal actions themselves. Some people that post here have admitted to defaulting on several loans, almost like they are habitual offenders. Some people are in the situation because when they took out the loan, it was electronically deposited in their checking account, but the debtor CLOSED the checking account shortly after. While I can not quote it word for word, if you read the TERMS and CONDITIONS of the loan, you must maintain your checking account. This is basically writing a bad check. So before the pot calls the kettle black, think about what you have done.

While yes, there ARE collectors who cross the line of being legal, it's amazing how many debtors strech the truth or just don't listen. For example:

Collector says: Does your employer know that you used your computer during business hours to obtain this loan and then defaulted on it?

The debtor then tells everyone that a collector called threatening to tell my employer.

"Legally processed" doesn't equate to "We are having you arrested"

"Investigator" doesn't equate to "Law enforcement", "Police", etc.

The list could go on and on... My point is too many people aren't taking personal responsibility for their OWN actions. Just because you haven't properly read a contract OR you don't understand EXACTLY what someone is telling you, it doesn't make someone else wrong. Collection companies are doing a job. A job that has the terms and conditons that are negotiated with the LOAN company. A job that we wouldn't even be discussing had YOU not defaulted on the loan. So your frustation and anger in MANY cases is misdirected. It should be directed at yourself and the loan companies.

Before anyone ASSUMES anything... No, I dont work for a collection agency, loan agency, any related industry, nor have I ever.

FYI Katie, if you read the thread (http://forums.debtcc.com/forums/about2525.html), you will see others that have admitted that ellis has been ok to deal with. They have accepted their responsibility to the LEGAL and BINDING contract they agreed to when they took out the load and repaid what they were obligated to.

Quit being a parasite in society. PAY OFF WHAT YOU BORROW ON TIME. While there may have been some mistakes by collection agencies, you and others apparently think you are above the law and don't need to repay what you are obligated to pay. You agreed to the contract, now accept it. Seems like many of you need to LEARN the definition of PERSONAL RESPONSIBILIY.

So tippy... Let me get this straight...

You DEFAULTED on your loan and don't think you should be assessed any penalties. You were intimidated by them calling you, but NOT intimidated by the loan application in which YOU agreed to. FYI, the LOAN company agrees to the fees and contracts out these companies. Don't you think your frustration is misplaced a bit?

The Attorney General does not agree with you on that one. Get a life!

Sounds like you need to mind your own business, this forum is for people who are in debt and want to talk about it. Not people who are defending Ellis and Crosby / or work for them.

Dear Guest, not that I owe you an explanation, but here is my story so you can maybe get an understanding of the average person who is involved in a payday loan transaction. I am a working mother with a good income, but due to poor money management over the years, I have found myself in over my head and have tried to deal with my creditors in a straight-forward manner regarding repayment. For both payday loans that were turned over to Ellis Crosby, I did contact the original creditors when I knew I would have difficulty in repayment. One of the original creditors even agreed to set up a payment arrangement, then turned around and sent the account to Ellis Crosby. I received calls at work stating that my local authorities would be arresting me in 2 hours if I did not pay them via moneygram before that.....that is there exact wording, no question that they were saying to me that they were law enforcement officials. I did what I had to do, but Ellis Crosby did not...BY LAW, they must validate any debt that they are attempting to collect, give an explanation of the additional fees that have been incurred, they MUST give me, the debtor, 30 days to respond, and they most assuredly CANNOT imply that they are law enforcement officials. Since Ellils Crosby has repeatedly operated in this manner, debtors like myself have contacted the BBB, FTC, and the Florida Attorney General's office, and we have been taken seriously, in fact the Florida Attorney General's office is filing suit against Ellis Crosby for their illegal and unethical operations.
So, while you are indeed allowed to have, and post, your opinions, please realize that every story has two sides. I hope that your future is bright and prosperous, and you never have to go through bad times and sink to the level of applying for a payday loan. It is not worth it, for sure, and I have had to learn this the hard way.
Dear Guest, maybe you need to give us a little compassion here; the great majority of us here in this predicament did not plan to default the payday loan companies when we took out our loans....we were desperate.

Sounds like I struck a nerve. Actually Katie, I have a life. I PAY my debts. I'm not defending them, I merely trying to point out you are irresponsible. You should take some PERSONAL RESPONSIBILITY for your OWN actions. With your posts and some others, it sounds more like forums for people whos are in debt because of their OWN actions and want to illegally break a binding contract to get out of it. You want to sue someone for a contract YOU AGREED to, and now want to break. What next? Sue a car dealer because you don't like the rate they got you after you bought the car? It's people like you who sue McDonalds for having HOT coffee. Sounds like YOU need to get a life.

Then why are you on this website?!?!? Because you dont have any debt?
Sounds like you are here just to attack people
I never said i didnt break the contract and I dont mind paying someone who is HONEST and will validate my debt and give me a REASONABLE payment plan, And no you didnt strike a nerve darlin.
Got to get back to filing suits! LOL

Roxette can we get some blockage here? lol

Tippy,

You said it yourself... Payday loans turned over the loan to ellis even even AFTER they agreed to make payment arrangements. So the first problem is with the loan company. As far as how the collector worded everything, I can't say since I wasn't there. However, all of these firms record calls and if they crossed the line, they should be held accountable for their actions in the same way debtors should be held accountable. They need to provide proof of the debt only after you send a registered/certified letter since a fax/phone call/normal letter can easily be disputed. While I am sure that it is a learning experience for many people, there are habitual offenders who go from company to company defaulting on loans.

I'm amazed at how almost all the blame all goes to the collection agency though when the chain of events is more like:

1. Debtor - Who usually doesn't fully understand the Terms and Conditions agrees to take out the loan.
2. Loan Company - Who sets extremely high rates and absurd conditions
3. Information Companies - Who sell your personal information with very little concern for how it's used. They include every detail about your life in these reports
4. The collection agency - Who has to collect on a load that has a high interest rate, fees assessed from the loan company, AND fees that the collection agency has to collect.

So why is no one complaining about the loan companies? The information database companies? Maybe it's not the squeaky wheel that needs the grease. ;)

Actually Katie, I pay cash for everything or I don't buy it. I learned my lesson long ago. So you sent a REGISTERED LETTER of demand for proof of the debt? If so then yes, they are not upholding their end of their responsibilities. If you only asked for one or faxed something, then you should know better. If you let yourself get intimidated by them, what happens when you go car shopping? Do you buy a vehicle the moment a car salesman says "Wow! You are driving that? That was rated an unsafe vehicle last year. You need this..." Should you sue that salesman for giving your the impression he knew what he was talking about? Where does it end?

Unfortunately, the additional fees are part of the consequences of not being able to repair the debt on time.

Good for you, NOW GET BACK TO WORK!

Dear Guest, you are right, the payday loan companies are a racket, too, and if you go through all the threads of this website you will find many, many complaints against them. One of the purposes of this website, IMHO anyway, is to share information so that we can better understand our individual circumstances and learn from others' stories and experiences. This SPECIFIC thread is dealing with our BAD experiences with Ellis, Crosby ONLY....why are you posting here? I don't understand your motivation; if you are trying to make us feel worse about ourselves, you are not succeeding. We come to this website acknowledging mistakes we have made...it must be nice to be you and have all the answers. Maybe you should leave the rest of us alone....

Must be nice to be So perfect!!! Right tippy :)

I dont know who this "guest" person is, but I read through their postings from the last couple of days and feel they are completely out of line. Consumers during desperate times are falling victim to what is being called "predatory lending" by taking a short term loan with outrageous interests rates to get them out of a temporary finanical hardship. This short term loan then turns into hundreds if not thousands of dollars if the consumer ends up refinancing the loan before paying down or even paying it off. Granted, the consumer chose to take the loan and agreed to the terms and conditions, however the consumer was in a financial bind to begin with when they took out the loan, shouldnt have the loan company evaluted their ability to repay the loan based on their overall finanical situation and not just a paycheck before they agreed to give out the money? Consumers have other finanical obligations as well, mortages, auto payments, utilities, electricity,etc, but none of these are taken into consideration when a payday loan company gives a financially strapped consumer money. Therefore when the consumer starts to fall behind on paying other things because they are paying refinance fees or paying down with refinance fees on a payday loan, you wonder why the consumer goes into default?

Anyways, How hard is it for a collection agency to treat a person with respect and to be truthful and honest about the dept they are collecting? It is the abusive and dishonest practices such as Ellis Crosby & Associates as to why the Fair Dept Collection Practices Act was created. Inability to pay a debt is not a refusal to pay.

You really summed that up for us all Tracey!
I totally agree!

Thanks, I just dont think that anyone deserves to be itimidated, lied to or humilated for any reason and anyone who uses this form of abuse to collect a debt should be held accountable. Just A FALSE IMPLICATION of arrest or that a crime has been committed is ILLEGAL. Ellis Crosby obviously believes that by using words such as "officer" and "processing" that they are not breaking the law, but they are. I am just glad the state of Florida is doing something about it.

I agree with you Tracy. It is PREDATOR *LENDING* Key word LENDING. Had the lending not taken place in this fashion, the collections would be less of an issue. The predator lenders KNOW and ACCEPT the practices and fees of such collection agencies. More of the blame needs to go to them.

As far as the implications, I disagree. How many times during the day does someone say something to you that could be taken as an them implying something. Common words that these companies use:

Investigator - Definition: One who investigates. So this is ILLEGAL? Technically, they are investigating by getting your background information and means to contact you.

Processing - Definition: To put through the steps of a prescribed procedure. Technically, they are doing this too.

Officer - Definition: One who holds an office of authority or trust in an organization, such as a corporation or government. Technically, they are trusted with company information and most collection agencies are corporations.

The list goes on with what words they use. If one is unsure about the definition of a word, they should ask. Would you just open your front door if someone said "I'm an investiagtor, open up!". No, you would ask for identification and ask specifically if they were a Police officer.