Archive

Archive for the ‘Mike Souheil’ Category

More info from the past

It’s nice to see that 800Notes’ mods are finally turning their fire hoses on these trolls….For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney’s office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General’s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector’s MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.

The last time this group went by any “official” name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:
http://www.coloradoattorneygeneral.gov/press/ … lls_likely_orig

Rhode Island:
http://www.collectionscreditrisk.com/news/rho … -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.

“..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver’s family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422.”

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven’t already, go ahead and report the calls to local law enforcement, your state’s Attorney General and beyond.  Look up the local Secret Service branch’s information in your area and get in contact with an agent there.

If you ever applied for a cash advance online, your information is out there.
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack – a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

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

* The scammers were able to get into the database(s) of cash advance lenders – probable targets being Sonic Payday and Cashnet USA.

How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised – any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.

Pro Tip – call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it’s simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it’s even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It’s not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.

So, why haven’t they?

Authorization.

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn’t afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don’t even really want to talk to your attorney – that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt – more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for – and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.

Bottom line:

If you haven’t paid the callers a dime, don’t.  If you planned on paying them to shut them up, just don’t.  Remember – you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA – http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf – and know your rights.

http://800notes.com/Phone.aspx/1-646-274-1143/3

Advertisements

Aliases – callers names

Callers/scammers:

  • Aaron Thompson
  • Adam Jackson
  • Alan Watson
  • Alex Walker
  • Angela Williams
  • Andy Smith
  • Austin White
  • Ben Johnson
  • Brian Williams
  • Calvin Anderson
  • Christopher Jones
  • David Nelson
  • David Christopher
  • David Jones
  • David Parker
  • Dennis Wright
  • Derek Anderson
  • Diane Davidson
  • Doug Morgan
  • Ed Matthews
  • Eric John
  • Eric Johnson
  • Eric Williams
  • Erica Davis
  • Frank James
  • Frank Jefferson
  • Frank Johnson
  • Frank Martin
  • Frank Miller
  • Gary Jones
  • Henry Smith
  • Howard Jones
  • Jack Williams
  • James Austin
  • Jasmine Beebe
  • Jason Kennedy
  • Jeremy Harrison
  • Joe Brown
  • Joe Washington
  • John Adams
  • John Davis
  • John McClain
  • John Robinson
  • John Rogers
  • John Watson
  • John Williams
  • Justin Davis
  • Kathy Jones
  • Ken Calvin
  • Kent Brown
  • Kevin Black
  • Kevin Morgan
  • Kevin Peterson
  • Kevin Rogers
  • Kim Stewart
  • Mark Benjamin
  • Mark Johnson
  • Marc Johnson
  • Mark Peterson (officer)
  • Mark Smith
  • Mark Taylor
  • Matthew Hope
  • Matthew Holt
  • Matthew Rodgers
  • Matthew Wilson
  • Max Green
  • Michael Black
  • Mike Davis
  • Michael Davis
  • Michael Tucker
  • Micheal Mcgrady
  • Michelle Jones
  • Mic Fisher
  • Mike Copeland
  • Nathan Bracken
  • Nicole Allen
  • Officer Alan Taylor
  • Officer Gene Parker
  • Officer Jean Parker
  • Officer John Wright
  • Officer Mike Taylor
  • Officer Black\
  • Officer Benjamin
  • Officer Tom Brown
  • Officer Mike Edwards
  • Officer Mark Reneiecen
  • Officer Chris Williams
  • Perry Black
  • Peter Black
  • Peter Smith
  • Peter Watson
  • Rex Howard
  • Richard Hernandez
  • Richard Hunt
  • Richard Thompson
  • Ricky Watson
  • Robert Gibbs
  • Robert Keith
  • Robin Smith
  • Roger Gelb
  • Ronnie Logan
  • Ryan Black
  • Sam Miller
  • Sean Michaels
  • Sean Miller
  • Shane Harris
  • Shaun Harris
  • Shawn Micheals
  • Shawn Taylor
  • Shawn Miller
  • Shawn Woods
  • Shawn Woodson
  • Steve Johnson
  • Steve Lawson
  • Steve Martin
  • Steve Richards
  • Steven Richards
  • Steven Johnson
  • Steven Richards
  • Tony Johnson
  • Vane Hundson
  • Wayne Smith
  • William Blake
  • Will Smith
  • William Earnest

Phone numbers used

201-244-7722
202-241-5919
202-436-9657
202-657-4644
202-657-5450
202-657-6121
205-294-6271
206-234-0048
206-317-3149
206-317-3705
206-445-6544
206-600-6980
206-801-5300
206-855-5271
209-349-3112
209-349-7382
209-730-6728
209-797-2212
210-858-6602
212-500-0839
212-796-4657
213-256-0408
213-330-2688
213-784-5745
213-986-5391
213-995-3039
214-245-0922
214-245-1402
214-446-4901
214-484-0591
214-723-5572
253-243-2083
253-243-2536
253-243-2592
267-573-9115
267-702-1889
281-763-0433
281-763-0470
281-763-0670
281-763-7911
281-886-8187
303-353-1867
305-260-6689
305-390-0607
305-512-1199
305-760-4526
310-362-3162
310-362-9395
310-872-2861
310-909-8245
310-974-8964
313-450-1472
315-551-5643
315-755-5281
321-684-4117
323-284-2250
325-260-0090
336-505-7092
347-238-2042
347-286-7465
347-289-3902
347-377-7717
347-418-0337
347-467-0385
347-607-3614
347-635-5971
347-697-1454
347-735-5130
347-759-5893
347-841-6902
347-844-6817
347-844-6831
347-875-8165
352-653-1302
358-956-4259
401-410-1416
408-520-2483
408-600-3046
408-663-9405
410-505-8128
415-366-9597
421-781-8274
424-244-6221
424-244-6224
424-354-4270
440-695-3062
469-567-9684
484-223-3756
502-291-0000
502-291-3000
512-614-7992
512-614-8242
513-322-0005
513-878-4824
516-232-8905
516-232-8935
518-212-0219
518-565-0306
520-336-9109
561-210-4185
561-287-4305
561-300-8018
561-771-9232
570-201-0007
570-397-0594
570-437-0643
570-504-7973
570-753-1016
570-753-1060
585-331-8325
592-672-7369
610-571-3252
619-947-7322
623-465-9849
626-200-4646
626-380-0420
626-407-2152
626-494-6911
631-456-4041
631-456-4042
646-274-1143
646-360-1702
646-369-1376
646-389-2748
646-396-9593
646-461-6133
646-525-4064
646-571-3386
646-653-2116
646-770-2937
646-794-5547
646-810-8635
650-241-4604
661-263-4011
661-368-5263
661-450-8274
661-532-8524
661-927-7864
662-171-0100
678-619-1686
678-791-4673
678-954-6346
702-596-4260
707-401-4056
707-633-2789
708-401-0535
713-900-528
714-441-86918
714-929-7223
716-442-2824
717-862-4080
718-705-8669
718-831-7157
718-841-9420
724-315-7309
724-990-0656
760-269-3824
760-269-3825
760-278-1861
760-282-4307
760-300-4012
760-300-4014
760-514-0132
760-514-0145
760-563-5384
760-582-0311
760-618-1369
772-318-4938
772-402-1006
786-431-3129
800-898-9454
805-262-6170
806-590-7967
810-671-485
817-393-0246
817-510-7616
817-840-3108
818-293-7406
818-538-9546
818-851-7924
818-934-1074
818-934-1075
845-481-8045
850-201-1111
850-254-8883
850-387-0474
850-810-5825
855-204-7721
856-831-0640
856-907-0406
858-244-0444
858-777-1977
859-908-2281
866-447-9180
866-656-7159
866-776-9850
866-812-2623
866-860-4509
875-820-6274
877-212-3634
877-226-7488
877-345-0617
877-709-2812
888-279-8697
888-341-4004
888-498-8399
888-706-7463
888-708-7701
888-771-9249
888-775-2121
888-785-4479
888-826-1162
888-895-8613
904-425-2857
904-425-2863
909-327-4870
910-300-7196
914-307-0631
916-395-0000
917-464-2534
917-645-0009
925-262-1327
949-202-4675
949-743-1140
949-743-1156
954-678-9724
954-849-4843
979-710-2195

More on 92128644 québec inc and Mike Souheil

Off of:

http://800notes.com/Phone.aspx/1-888-889-8025/5

According to one of the many posters who post about one of First Cash International’s many numbers they use to scam people, Mike Souheil is actually Mohammad Souheil.
Izzy writes:
5 Oct 2010
I feel really bad for all you people being scammed by this company (9212 8644 québec inc). Maybe if someone went after the owner, Mike Souheil – who’s real name is Mohammad Souheil – maybe this nonsense would come to an end. By the way, lovely FB picture Mike…Talk to you soon  ;p
Caller: ur friend
and
Aaron replies to Aaron

30 Mar 2011
As well owned by Mike Souheil , a Lebanese guy whose name is Mohamed Suheil.
For your information writes:

16 Feb 2011
FCS (Financial Card (credit) Services) or otherwise also known as Card Services.  The scammers who got you to give up your credit card info, even your social security numbers in some cases are very sneaky indeed!  They work in a way that protects them from any legal trouble.  But you should never do business with anyone who pressures you.  Sadly they target the elderly.  Anyway. If  you want to get these arab SOBs you can find them in MONTREAL  (St. Laurent), QC, CANADA is where they are hiding.  on 7075 place Robert-Joncas Suite 225!!!!!!!! across from the Marriot Inn  6500 Place Robert-joncas, St. Laurent, QC  (Next to Jeld Wen)
Continuing to dig… How does 9212 8644 québec inc and Mohammad Souheil aka Mohamed Suheil aka  Mike Souheil   relate back to Intellisourze and the earlier scams in Florida?
QUESTION: Is this a real comment or someone seeking to defame a legit company?   Is Mohammad Souheil aka Mohamed Suheil aka  Mike Souheil and 9212 8644 québec inc involved in the scam or just a victim of a rant by someone seeking to harm a legit company?

92128644 québec inc and Mike Souheil

June 14, 2011 1 comment

On the blog, “A Born Accident”, the author writes of her horrifying experience with First Cash International.

http://abornaccident.blogspot.com/search?updated-min=2009-11-01T00%3A00%3A00-05%3A00&updated-max=2009-12-01T00%3A00%3A00-05%3A00&max-results=2

Unfortunately a similar story to others’ experience.

I am still shocked how this company can still be operational when it is so clearly conducting 2 scams at the same time!

What is interesting is a comment to her story by Karma who states:

i used to work for this company they are a scam their real business name is 92128644 québec inc and it is run out of ville st laurent in quebec, it is owned by a mike souheil do everything you can to shut this company down they are horrible people and deserve the worst to happen to them

http://www.blogger.com/comment.g?blogID=7871308&postID=220164763128522813

Is this real?  Definitely have to look into this business and Mike Souheil or is this a red herring by the real scammers?   Any comments out there?

QUESTION: Is this a real comment or someone seeking to defame a legit company?   Is Mohammad Souheil aka Mohamed Suheil aka  Mike Souheil and 9212 8644 québec inc involved in the scam or just a victim of a rant by someone seeking to harm a legit company?

Background

About 6 months to a year ago, this same company contacted me and initially like so many others out there scared the beegeezus out of me.  They stated they were the US Department of Justice and were with the Investigation Division.  They stated a civil lawsuit was being filed against me and that time was of a sensitive nature.  They left the signature “good luck” at the end of their message.  I made the mistake of returning the call.  They always ask you to confirm the last 4 digits of your social security number.  They then state a civil lawsuit is being filed against you for a non-payment of a loan.

When you ask to speak with a supervisor they put you on hold and disconnect (it becomes obvious later they have no way to transfer you as this is all probably being done via VOIP)  Someone calls you back claiming to be someone else (aka the supervisor/manager).   When you start to ask tough questions they either hang up on you or cuss and swear at you and seem to get a lot of satisfaction doing so.

They stupidly enough called me again 6 months to a year later and used a very similar script they used before.   They first tried to call me on my cell phone and then called me at work which was mortifying as they call the main number and are announced to me.   They called me at least 2 more times at work when I got tough with them.    When I stated that they were a scam and to please stop calling me, they cussed me out.

In a following post I am going to list all references to this company and to the numbers they use and the aliases.

I am hoping people out there can help using the power of the internet to come together and put together a good picture on who this company is and how we can get this company and scammers closed once and for all.

Please add comments to this blog or any post so that we can document them.

2 Scams

They operate 2 scams

Scam #1

They call you up and lead you to believe they are associated with one of your credit cards or a major bank (Bank of America, Chase, Wells Fargo).   They state they can lower your interest rate to an obscenely low number.  They start of sweet and very helpful.  However once you start asking questions or doubt that they are legit, they turn nasty.  They often will not tell you that they charge a whopping $600-$1000 fee for this “help” and your APR never changes.  This scam seems to target the elderly from the posts I have seen.

Scam #2

They call you up and state you are being sued and about to be arrested and have a civil case against you.  They want you to pay them for a non existent loan you took out (probably because at one point you did try to get a loan online and are hoping you are scared and desperate enough to believe them).   Again once you start asking questions or doubt they are legit, they turn nasty.  This scam targets those who are down on their luck and desperate for money and have looked into payday and other loans online

What is just plain dumb but great for us is they use the same aliases across both scams – FCS and the same personal names – Justin Davis – see following post with all the links to listings where Justin Davis was involved in both scam #1 and scam#2 for example.

Does anyone have any information on this company?