I just got a call from an Officer Michael L John that claims he is a Sr. State Investigator for fraudulent activity. It was because I did not pay off a payday loan and he said that an officer was on the way to my job, as soon as I told him I was calling the attorney general he hung up like the fucking coward...he aint nothing but a bitch ass indian
 Oct 05th, 2011
To judge from your reports, this likely is yet another of the fake payday loan collectors calling from overseas. This scam has gone on for years and has grown in popularity with Indian and Pakistani criminal boiler rooms. Just as in American debt collection agencies, reps are trained to regard everyone they call as a liar and deserving punishment. Their often absurd threats are empty and their rude tactics are illegal under federal law, the FDCPA. Do not believe their lies, do not argue with them, do not comply with their extortionist demands. Show them you know you have rights they are trampling.

Debt is a civil and not a criminal matter. No matter what you are told, no one is coming to arrest you, and you will not be jailed. There is no valid debt claim and no court order to seize your assets. You need not pay a red cent in ''settlement'' to make their inflicted pain go away. (Really, if they were that sure of your liability, wouldn't they simply hire a lawyer near you to sue for the full amount plus interest?) You will note these often barely intelligible bullies have a laughably poor understanding of American legal procedure. Their hope is that you are just as ignorant.

Try demanding a mailing address and a full business name. If the caller fudges his answer and you cannot verify it, it's likely a PDL sham. Challenge their horse puckey threats; they often make rude remarks and hang up. As the bullies like to hassle people at workplaces, advise your employers and coworkers these calls are garbage and not within your personal control.

The usual response to such a runaway debt collector stateside is to send a cease-comm letter and file suit. If you find a valid US address, please do so. Fierce consumer lawyers will leap at the chance to run such a case on contingency. However, being mostly outside U.S. borders and having no discernable addresses, these particular criminals rarely make it possible for individuals to punish them.

Follow this link for a payday loan scam primer:,6954.html?#msg104309

See discussions here on WCU for these numbers: 704-200-9909, 559-823-5337, 813-441-0108, 443-451-3816, 496-656-7520
Mystery call site 800Notes is thick with complaints in the thousands on this issue.

When you're done studying, make some noise ...

- Submit complaints to the FTC and state attorneys general.
- Send word to the FBI via the Internet Crime Complaint Center:
- The Secret Service might also like to hear from you, per its mandate to investigate all sorts of financial and electronic fraud:

Learn how to exercise your rights as an alleged debtor at FTC-dot gov. The more you know of illegal practices, the faster you will sniff out the fraudsters.
 Oct 05th, 2011
Called saying he was an officer from NJ State Police and they had a case against my social security number. Asked me to verify the number to which I did not. I asked what this was about and received no answer. I then told them all communication needed to be in writing in which I was promptly told to take my attitide and shove it up my ass. DEFINITELY A SCAM.
 Oct 04th, 2011
The message that was left sounded like something from a Nigerian email scam. The english was horrible andit sounded like some scammer. I am almost certain that if an officer calls you, they leave both a first and last name, as well as the department that they are calling from. The message told me to get an attorney for sensitive issues and said something like "i'll die soon",which i found really creepy. Sounds scammy to me.I'm deleting and blocking the number.
 Oct 04th, 2011