Department of Law and Investigation

Oh, and I almost forgot... after the last time I asked who they were working for they told me the United States Federal Government... Nice.

[COLOR=#333333][FONT=Lucida Grande][COLOR=#333333]The scam

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 name combos 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)
Law office of Shawn Wood

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:



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:

Rhode Island:
http://www.collectionscreditrisk.com/news/rhode-island-ag-warns-of-collection-scam-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."
(Official PDF is attached)



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 fraudsters 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 fraudsters created their own fake payday loan application site. People looking for a cash advance went to the site and applied, thus freely providing the fraudsters with their information for malicious use at a later time.

* The fraudsters 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 fraudsters 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 fraudsters 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 70+ numbers that have been used in recent memory.

201-244-7722
202-379-2317
209-349-7382
209-729-3813
209-797-2212
212-500-0839
213-256-0408
213-256-0408
213-550-4189
213-995-3039
214-461-0052
214-618-5897
281-763-0433
302-861-0512
305-260-6273
305-390-0607

310-775-9069
315-294-5498
347-289-3902
347-844-6817
347-844-6831
409-221-3206
424-354-4270
425-998-2068
496-656-7520
512-687-8867
516-232-8905
516-232-8935
518-212-0219
518-533-5340
530-328-0111
530-402-8910
561-210-4185
561-300-8018
618-709-5073
626-200-4646
631-456-4041
646-274-1143
646-395-1276
646-506-9441
646-506-9441
646-525-4064
646-727-4434
646-783-4929

646-810-8635
650-241-4604
678-954-6346
707-401-4056
707-633-2789
708-401-0535
714-716-0408
716-442-2824
717-724-3663
717-862-4080
717-862-4080
718-569-6654
718-705-8669
718-831-7157
760-514-0132
760-563-5384
772-318-4938
772-646-4625
773-409-0939
786-866-2982
813-319-2653
850-201-1111
858-244-0444
858-777-1977
859-908-2281
866-860-4509
877-226-7488
888-341-4004
888-706-7463
888-771-9249
888-785-4479
903-841-5171
904-395-5144
909-327-4870
914-462-3557
925-262-1327
941-961-8518
949-273-4357
949-743-1140



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 fraudsters 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.

[/COLOR]

[COLOR=#333333][FONT=Lucida Grande] If you suspect you are a victim of this scam, please contact me for additional information and to share your experience. We need to make a united effort to reach out to law enforcement to put a stop to these calls once and for all.
E-mail - [email]habbadabbaphonecall@gmail.com[/email]
Phone - 857-342-2229 (857-3-HABBA-9)
[/FONT][/COLOR]

[/FONT][/COLOR]

jpishkur1111, I guess you could report them to your State Attorney General and your State financial regulatory agency, and Federal Trade Commission? However, if these people are actually located overseas I don't know what-all any US regulatory agency could do to stop them, even if they ARE misrepresenting themselves as part of the Federal Govt. I usually hang up on them but if I'm feeling a bit evil when they call, I usually let them say their spiel and then I try to throw them off their scripts (you KNOW they're using a script); as you discovered, they get all flustered.... ;)

Good info Payday slave. Hi, OP....do as paydayslave has posted.

Yeah, no call back yet... I did receive a call today (amazing how once one of them calls and you answer, then they all call) from Check Solutions of America regarding a PDL from CMG Group that they said was a balance of $568.47... they offered me a settlement of $221.66... I told them the original loan was for $200 and they had debited $300 from my account bck in late 08 early 09... then they said they could settle for $199.18... I looked up CS0A and get some debt help organization and NO listing whatsoever with the BBB... Are these folks for real or should I tell them to pound sand as well?

Thanks os much for all the info and advice everyone... it's truly nice to find people who are good enough to help others and educate/give information to one another.

J

Quote:

You want to know how to really screw with these goofs and help relieve some anxiety on your part? BLOCK YOUR NUMBER, call them back at the number they leave on your voice mail after a little while, and have fun. Keep calling them back over and over. Tonight I got one guy so mad he last answered his phone with just “hello” and now won’t answer at all and his voice mail box mysteriously will not accept any more messages…..Gee, I wonder why?? :) Since these creeps darn near cost me my job, I decided nothing was off-limits. I told him his ancestors were mud eating pigs, that I did his sister and she loved every minute of it, that I’d do him if he didn’t like it, that his mother had been in more laps than a napkin, that his girl had been around more times than a carousel, and on and on. I asked him about his female plumbing…..oh man I laughed so hard by the time I was done I had tears in my eyes…and these smileballs deserve every bit of it. It seems they can dish the crap out but can’t take it very well. Don’t put up with them……..get yours back!!

This is my unsolicited advice for those that are getting the calls and feel the need to "lay into" the people that are harassing them.

Think before you speak.

Demonstrating in any shape, way or form to the callers that they have gotten to you is a sign of weakness and is pretty much the blood in the water that will attract more of them to call you. Some have suggested doing the exact opposite, meaning not answering their phones at all and sticking their head in the sand while this is going on. While that might work for you, the less time they spend on the phone with you gives them more time to spend with people that are picking up.

If your only aim is to insult them, you've already lost. However, if your intent is to keep them off the phones from other would-be targets, it's a small victory in a war that has been ongoing for years. They stand no chance of extorting money out of anyone if they can't keep the real callers away from the fake ones. I was able to light up one of their lines recently to the point that within a matter of hours it was disconnected and no longer in service. That's one number less than they had, and surely during that time the crooks that picked up couldn't be on the phone with other potential targets to threaten and intimidate them.

The callers may be oblivious to the laws in the US or they simply do not care, but they aren't entirely unreasonable. From a "business standpoint" they can't stand to profit from taking calls that don't go anywhere. Once they reach that point with you, there is no reason to continue calling. Really, it is that simple.

However, keep in mind that since your information was once out there that it is AWLAYS out there.

That's what worries me, they have my info, like my addy, my SS # and my gf's phone number. I feel so stupid for putting all that info out there. Yet, everyone makes mistakes. Would these creeps actually come to my house? They only left messages on my phone and my gf's claiming to be the dept. of law and investigation and claiming that i committed financial fraud, but I know that is false since I never got the loan anyway since I have horrible credit. I just ignore them, but I do not want them stealing my identity or anything.

they won't,but if you didn't close and open a new bank acct.do so as any info they do have is from any pdl applications filled out.you see this place called me a year and a half ago.they had all the info contained in the app including the bank acct# i closed 2 yrs prior.that is the only thing i would worry about.unless you give any new info to them they don't have it,and won't get it as since they bought the info.actually doing ID THEFT takes some effort which these mopes are really not willing to put in.

Thank you for this thread. I did have a payday loan that was in default and trying to work out with a Debt Mangement Plan payment and these bottom feeders called me at work. I was so upset by the call I had to leave work. I had put them off by saying I need to speak to my husband to deciede if I want to go to court or settle out of court. He gave me until the end of the day to call back or they would proceed. I left work and got my husband out of work and have time to calm down and starting an internet search and I found out it is all a scam. All the signs were there - pushing me to settle - accent - would not let me ask questions he just kept talking. They really played me and scared me do death. But I know now what is going on and they wont get me. I am going to my DMP company and letting them know what is happening so they can pass it on. Also my state bbb and a g

These creeps just called my friend yesterday, then started calling me at work. We could barely understand the guy, his accent was so thick. He used the name Alex Williams and said he was from the Department of Law and Investigation. I used to get payday loans from CashnetUsa.com and stopped a year ago because my state changed the laws and no longer permits them. My last loan was paid off prior to the new law and no one ever contacted me to tell me any different. I have since learned that it is LEGAL to sell someone's bank account info, social security number, etc! The best way to stop these creeps is to write your legislators, congressmen, and the President and asked that a law be created protecting your personal information from being sold. If you have ever applied for a loan, whether you actually got the loan or not, your information is out there and they can sell it and they do. Most banks are ethical and won't sell your info, but not all of them are and will do anything to bring in revenue. My bank educated me on this and assured me they do not sell personal info and vigorously prosecute people that use the info to steal from your account. On their advice, I changed my bank account info to ensure these scam artists cannot take my money.

Talk to your HR manager and see if they can block the number so you can't be called at work anymore. On your cell, enter the number and don't answer it if they call. They'll give up eventually.

this company is a fraudulent debt consolidation company using an 805 California number (805 621 7031). You can hear the call center in the background. Don't tell them anything!

they called me today. Same thing everyone else is saying, Only his name is Dale Wilson now. I applied for a payday advance in Dec but didn't go through with it. Now they are calling me threatening me. At lease I know for sure now it's a fraud. But I am sure they have my bank account info so I guess I need to go change that. What a hassle. Maybe I'll wait. If they do take anything I can report it as fraud. And if they were going to I would think they already had.

Quote:

Shazzers, it seems this is a veritable epidemic, doesn't it? Wonder if it would do any good to contact our Congressional representatives and maybe even local/national media,so they could let people know about these outfits? Perhaps if local TV stations have a consumer advice segment, they could put out the word? I hate to think how many people are actually paying money to these bottomfeeders because of the legal-sounding names and jargon.

I received a voice mail from an Indian women who was impossible to understand. I, myself, have never had a pay day loan. I never answer numbers that I don't recognize. I also never to their voice mails. They are perfectly of using the mail service.

Quote:

I think its a great idea, I have mailed several letters to media outlets, but feel my 1 letter wouldnt get noticed. If several of us get together and start complaining maybe someone will listen. What ever I can do just post it and I will.

Quote:

I shot an email to MSNBC, a little something to hopefully wet their appetites. lol

When they called me about 45 minutes ago, I pretended I wasn't me, and just said "him? No, he's on his way to the airport. Said something about travelling to india.". They hung up immediately and haven't called back

^^^^ love this

Lol!!!!

I had a payday loan from Cashnet USA paid off and today got a phone call at my work from a kathy who said much of the same things that everyone here has posted. i was told they would be at my work at 11am tomorrow and take me, my boss and manager to the courthouse to question us all and that I was being charged with three counts of fraud, etc. They could not tell me when this supposed loan occurred, only that it was 300.00 and that they would settle for 501.00 At least thats what I think they said to me, the accent was so thick I had a lot of trouble understanding it. I have never been so unnerved in my life. I have seen the advice to tell your employer but don't want to get myself in trouble in any way and jeopardize my job. I have worked for my company for 8 years with no problems of any kind.

Your boss should be understanding.....just tell them its from an illegal company. Sounds like the bottom feeding scammers are hitting hard......maybe because of tax season? Do report it to the FTC and your local police. Also you might want to put a fraud alert on your credit report......just notfiy 1 and they notify the other 2 in 24 hours. I did this myself it never hurts to be safe.
By the way I had a similar phone call like yours

OMG!!! I was so suprised to find this info online. I just went to the police where i live in Mi. and let them know of my situation with the same thing. They didnt do anything really just told me to block the #. This guy with an accent keeps calling me too, but asking for someone who isnt me. I have told them they are looking for the wrong person, but they keep harassing me. They said they were gonna be at my home within 30 mins to arrest me for harboring a felon. I have no clue what the heck they were talking about. Deas anyone know if there is any way to press charges on them for harassment???

I am absolutely counting my blessings right now. I to also had prior loans through CashnetUsa.com - This company is the one that sold my information. Which yes is legal - however these threatening fraudulant calls are not. WOW> Thank you all for helping me stay clear of "officer - I speak little english" and am calling you solely to scare the living crap out of you!!! - Thanks again all.

have any of you ever purchaced a kirby in the past 8 years or dealt with a privately owned kirby dealer. the reason that i ask is i have expeirience the same thing and i am starting to wonder if there is not a connection here do to recent events and problems that i have been having with these people...:?:

I just got messages as well. They left this number : 281763045 and 2817630495. They said that there is an investigation regarding my social security number. Calling from the Department of law and investigation.....wow!

I just got a call from this person this morning, and decided to question the person on the phone a bit more. He said he was Officer Jones calling from the Dept, of Law and Investigations. I was intrigued by an official sounding fake name, so when I asked for his supervisor, and I told him I actually work the the federal governemnt he said "Screw you motherfucker."..I want some help tracking down this person and number. He called from 720-213-1869. I have been trying to call back, but now the number is busy, or either the personis on the phone. This is a complete scam, there is no federal agency by that name, no collection company can threaten to send the cops to your house, civil matters arenot handled by the police.

I just got a call today from Office Austin Jones with the Department of Law and Investigation. I actually have an attorney from a car accident I was in 8mo ago I'm gonna talk to about this and find out what I can do. They've called me before with other BS but this is too far.

i had the same issues so i just did what they did to me i called them until they kept sending me to the voicemail... then i called my local FBI branch and reported the whole thing called my credit report folks and flag my name and social. then i called them back and told them that i need there address so i can send them my payment and bank info and they fell for it after i got what i wanted i told them if they contacted me or my job i have reported them to the FBI and they would be in contact with them.... they beg me not to call them back:-P

You really should file a complaint at the link below:
http://www.ic3.gov/default.aspx

Just give them a fake bank account number and routing number. They go crazy trying to decipher that info and finally when they contact the right bank, the banks legal team is on it. Also the infor is passed on to other banking institutions

I have received the same phone calls. My guy was named Michael Edwards. I did apply fo a payday loan but I did not go through with it. I guess I made a big mistake as well putting my information out there. I will just wait and see what happens.:sad:

I wouldn't wait too long, they now have your account information, and so does every other Internet criminal.

Just got a call from them today myself. This time they are supposedly in Jax, Florida and the dude who called me was Edward Dotson. He gave me an address and everything, that I will be using when filing my complaint against them. Funny thing is I looked up the address and it is actually a residential home. (Pic of it and everything through MapQuest.com.) The idiot actually claimed since I work for a state agency I should "know" he is legit. I just wanted to scream "Dude you are an idiot!!" I did not of course but I love that he gave me all that information to now use against him!!! Had I not already found out on here about these scammers, I may have wigged out a bit, but THANKS to you all, I knew exactly what to do!

So the guy called me at home the same day he called me at work. I flat out told him I knew he was a fraud and to my complete shock he actually admitted he was!! Then he went on to say he had all my information (SSN, bank account info, etc.) to which I replied that I knew he did which is why my bank account was closed and I had put a fraud alert on my SSN. He then tried to claim he was being forced to do this and wanted help getting out. I am sure at that point he was just trying to swindle me in another way, but quickly learned I was not falling for it. Anywho, just thought I would share my experience! ;)

Another thing you can do is get them to give you their address - if it's legitimate. You can then write a letter telling them that they are not permitted to call you at work. Send it via certified mail and see what happens. If it doesn't come back it means that SOMEONE is taking the mail and then when they call again you have a legal right to tell them that according to your rights, they cannot call you at work any longer. If the mail comes BACK to you... when they call again you can inquire as to why a letter sent to their legal place of buisness which they gave you came back returned. And you can inform them that you've already spoken to a lawyer about the company being fraudulent. I have made the mistake of taking out Payday loans - and will forever hate the descision as long as I live.

I got the dreaded call today, some Pakistani/Indian male, could not make out the name properly, Greg somebody from Law and Investigation Dept left a voice message for me or my attorney to call him back at 760-282-4216, he mentioned something and read my last four digits of my SSN, told me not to disregard this matter.
As i happen to be a Brit waiting to get my restrictions lifted on my Green Card, i thought it may have been USCIS calling, i called the number and it was answered by a Pakistani/Indian woman, now the alarm bells tell me its not the immigration calling. i listened to her script she was so obviously reading, giving me a case number, how i had defaulted on a payday loan ect, she finished, i just stayed silent, observing the busy background noise of others being given the same script, she says you there sir, i said yes, Never had a payday loan, send who you want around, have a nice day and hung up, i will get my neighbour who is a retired police officer to call them when i have made up a script.

I received a call from one of these guys. Mr Alex Smith and then transfered me to Charles Green. I hung up on them dept of invetigation as they said. I'm in FL also and would like to connect as I'm in the legal industry and would like to get an attorney to go after these people and or company who is doing this to people. This is the second call in 2 months I've received from these people and they are very rude, bold and could very thick accent. I'm part Indian and am taking this very personal that these people or conducting business this way and with Indian or Pakistani desent. My personal email address is [email]sendamessage@optonline.net[/email]

I received a call from one of these guys. Mr Alex Smith and then transfered me to Charles Green. I hung up on them dept of invetigation as they said. I'm in FL also and would like to connect as I'm in the legal industry and would like to get an attorney to go after these people and or company who is doing this to people. This is the second call in 2 months I've received from these people and they are very rude, bold and could very thick accent. I'm part Indian and am taking this very personal that these people or conducting business this way and with Indian or Pakistani desent. My personal email address is you email me their information. I'm in the legal industry and would like to talk to other attorney friends to see what we can do to end this or get them out of business.

It is amazing that this has been going on for this long and not much has been done to stop them. I am never applying for a pay day loan again. This is pure B.S.

I had been receiving calls from these people for approximately 3 months, but I would just ignore them and send the calls to voicemail as I knew I had no outstanding loans. One day while at my work, my cell phone rang with *0000. I answered the phone, then hung it up. This happened three more times with me answering/hanging up. Approximately a minute later, my work phone rang with the same number. I let it go to voicemail and they did leave a message. It was a Middle Eastern male named John Matthews (ha!) who rattled off the last 4 of my social and demanded I call him back. This was the first call that I had ever received at my work number and I didn't want to continue to get calls from these people, so I called back. I had already researched the strange number that showed up on caller ID and found all sorts of posts from others receiving these calls and being threatened with being arrested the following morning, so I was prepared for that when I spoke to someone. He said I had an outstanding loan, I said no I don't, he said is this your social and read it to me, and I said no. He read it one more time and I said no that's not me. Then he said I had defaulted on a loan and the police would be at my place of employment to arrest me. Here's the funny part; I work for the local police department, so I told him, "Oh really? Because I work for the police department so they won't have to come very far to get me from my place of employment." There was dead silence on the other end for approximately 5 seconds and he then said I owed the loan. I told him, "You do what you gotta do," and hung up. I have not heard from them since.

This guy Edward Walker (one name used) started to call me around 4 months ago. He had a different number back then. Right now he is using a company name "Law investigation Dept". Which has changed from American Law (or something like that). He threatened and harrassed me for money, and said he will take me to court (never happens). I told him I was turning in all his information to the FBI, which stopped the calls at least temporarly. I have contacted the police about him, and they told me I needed to inform the local FBI unit. Please do the same. Thank You only continued pressure from the public to the authorities will stop this guy. His newest phone # 760-2824219

Whatever address they give you is usually an apartment, house, and recently they gave me a school address. Go on google earth and you can zoom right in and look. Plus, they hem and haw when asked for the address. One would think they would know right away. LOL

Same things happened to me.

This information is going straight to FTC on my own behalf. What they are doing is illegal. He does not have a govt id number or any other kind,. I think the local police should be notified because he keeps threatening me by saying I was in bad trouble and he was going to come to my house. This agency needs to be closed and fined to pay everyone he is threatening. He must be getting some one to pay. It won't be me. I got another letter today. I have had enough. He is goning to find out where this scam took place. A scammer scamming a scammer. Heave. It is time to pit these fools against one another. Any other laws that are run across, please pass. While he, the same man each time is starting to curse people, He needs to be deported.

Start asking him question as soon as he calls. Tell him to hold on and leave him there. Ask them what is their company EIN with the IRS. enough is enough

Has anyone had a call from someone called ameriloan?