Archive
More info from the past
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
Click to access 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.
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
92128644 québec inc and Mike Souheil
On the blog, “A Born Accident”, the author writes of her horrifying experience with First Cash International.
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?
Info on Intellisourze
Here’s the contact information for the phone bank in India:
IntellisOurzE BPO
701, Sapphier, Nr. Cargo Motors,
C.G. Road Navrangpura,
Ahmedabad – 9. (Guj.) INDIA.
E-Mail: info@intellisourze.com
Website: http://www.intellisourze.com
A check on the domain name “intellisourze.com” shows that the website and name registration was created on May 8, just one month *after* the Crosby scams were shut down in Florida:
Domain Name: INTELLISOURZE.COM
Registrant: Pragra Infratech Pvt. Limited.
Email: ankur.ranpariya@pragra.com
908, Aksaht Tower, Nr. ICICI Bank
Opp. Rajpath Club, S.G. Highway
Ahmedabad, Gujarat, India 380054
Tel. +91.7926871353
Creation Date: 08-May-2008
Expiration Date: 08-May-2009
Domain servers in listed order: ns5.znetindia.com ns4.znetindia.com
(Source: http://whois.domaintools.com/intellisourze.com )
From a freelancer site: (http://www.freelancer.com/users/698483.html )
IntellisOurzE has deep roots in outsourcing world as its formers are from the industry since a decade. We at IntellisOurzE have nothing new to offer however we would like to deliver what we commit efficiently and effectively and apart of the corporate plan to set up a global delivery model for meeting outsourcing requirements of global clients in the Telecom, F&A, Mortgage, BFSI & Retail space. IntellisOurzE is driven by its Corporate policy and professional ethics and has been providing BPO services to Global Corporations including Small Medium Enterprises and Fortune 1000 Companies.
High levels of operational expertise, commitment to exceeding customer expectations, a dedicated and highly motivated workforce, all coupled with a state-of-the-art offshore infrastructure, gives us the competitive edge to provide comprehensive, end-to-end solutions to our diverse clientele.
IntellisOurzE is a truly global company with a strong belief in the human capital.
I can not believe someone would want to be associated with the scammers calling but search for Intellisourze on LinkedIn and you get these 2 fellows:
Vikram Ghanghar:
http://www.linkedin.com/profile/view?id=16313961
Muneer Trivedi:
http://www.linkedin.com/profile/view?id=40908400
I just do not understand
As I dig deeper and deeper into this, I do just do not see how this “company” – it is clear there is one company behind all this which is using many names – a company here in the USA who seems to be running the whole thing and a company in India it seems who does the calling. I do not understand how if the FBI, Secret Service, FCC and FTC, BBB, and many of the states’ attorneys – if they have known about this for 3-4 years now (the ABCNews story dates back to 2008) – how they could not once and for all after 3-4 years be able to close this scam down once and for.
Go after the way they process payments – follow the money – was it Woodward and Bernstein who said that? Follow the money and close this down once and for all. It seems like nothing has changed from 2008 – they just changed their names, modified their scripts and they keep calling, scamming, stealing, harassing and threatening and terrifying people.
FCS is a scam 