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  • Report: #356756

Complaint Review: David Morgan & Associates

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  • Submitted: Mon, July 28, 2008
  • Updated: Tue, July 29, 2008

  • Reported By:Headland Alabama
David Morgan & Associates
Wintergreen, FL Wintergreen, Florida U.S.A.

David Morgan & Associates Claiming default on payday loan and threatening me with arrest or worse Wintergreen Florida

*Author of original report: I went to the Sheriff's Office and filed a report on David Morgan and Associates

*Consumer Suggestion: Go to FTC.gov and do the actions they mention regarding identity theft.

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My mother called me this afternoon with a message. She told me that on her voicemail was a message for me claiming that I needed to get an attorney and good luck with this matter. Of course what did I do? I called them immediately because I was curious of the situation. So I dialed this number 321-821-0017. A man answered the phone with a "Hello" which I replied Hello, this is Hannah **** I was returning your phone call. He asked for my name again in which I replied Hannah ****. He then told me that he had name like this in his data base. Then I told him well, maybe it is under ****** my maiden name. Which then he asked what number I received this message. I gave him my mother's number and miracuously my information appeared. Ahhh, yes. Is your name Hannah Barker? I said yes. He then goes on rambling my SSN. Is this you? I replied yes. At this point I was really wondering what was going on. I preceeded to ask him and he claimed this. Mam, the reason for my call was because of a payday loan that you have defaulted on. Now I was confused. I told Mr. Parker (well that's what he said his name was) that this was the first time this matter was brought to my attention and was unaware that I had a payday loan out. He then stated that as a matter of fact I did and my balance was $1028.00 EVEN. He said that I had taken a payday loan online and owed this money to Quick Payday INC. I told him that I had never heard of them before. He then said he had confirmed this with one of my contacts named Shannon who also lived in the town this so happened to occur. Sorry buddy, but I don't even know anyone named Shannon except for my cousin who lives pretty much in the ocean on a boat. So then he says I only had until the end of today to have my attorney contact him or else I was going to be charged with fraud and possessing a forged instrument or something to this matter. I really couldn't understand him because of his thick accent. I kept telling him that I didn't even have an attorney and asked that he send me information about this matter because I had no clue what he was talking about. He claimed he only had little detail of this matter and that he was representing the US BANK and that this bank only gave him so much information. I told him that I had to make a call and would call him back. And so I did. This time another man answered the phone. I could hear him asking the man if he wanted to talk to me. Then this man that I had originally talked to got back on the phone. I asked him more questions. In the first call he said that I was working for Walmart when this happened. I let him know that I had indeed worked for Walmart but not the year that this payday loan occurred. What's really funny about this whole matter is that I didn't even have a bank account at the time this happened which he states that I did. Don't get me wrong I am furious. I hate being accused of doing something so serious like this. It was about 7pm when I made the call so I really couldn't do anything about this matter. But tomorrow I am calling someone for legal advice and you better bet your bottom dollar that I am going to the police with this. I find this matter to be in no way humorous especially when they have my SSN.

By the way a fax number was given to me. It is 321-221-0018. The person's name is Charlie Jones

Hannah
Headland, Alabama
U.S.A.

This report was posted on Ripoff Report on 07/28/2008 08:28 PM and is a permanent record located here: http://www.ripoffreport.com/r/David-Morgan-Associates/Wintergreen-Florida/David-Morgan-Associates-Claiming-default-on-payday-loan-and-threatening-me-with-arrest-o-356756. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

I went to the Sheriff's Office and filed a report on David Morgan and Associates

AUTHOR: Hannah - (U.S.A.)

Today I took action on this David Morgan and Associates. I called my lawyer that I had used on a previous matter. He advised me to call the district attorney's office. SO I called them and was told to go ahead and file a police report with the Sheriff's office because it sounded like someone had stolen my identity. And so I went and filed a report on these people.

Now the local athorities know about them and all the harassment and threatening they have done to me. The sheriff I had talked to told me to call these people back and inform them that I had filed a police report on them and that on their behalf they needed to send me legal documentation. So I called these people back and told them what I needed. The man named Keith Parker told me that he couldn't send me any information because they had already tried to contact me about this matter several times.

Then I asked him what address or email address they had sent it to. All he would tell me is that he couldn't send it to me because the time was expired. So he threatened me yet again and kept repeating himself like a broken record that they were going to go ahead and start the legal process and that I would be arrested. I informed him that I had put an alert on my SSN so if he or anyone else tried to use it without my knowledge... beware. Then he started rambling on again about legal yadi yadi ya and wouldn't let me even say a word. I know something is up when he wouldn't tell me my address. I hope that he and all the others who are in this scam get caught and get what they deserve.
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#2 Consumer Suggestion

Go to FTC.gov and do the actions they mention regarding identity theft.

AUTHOR: J G Shrugged - (U.S.A.)

If you didn't take out a loan yet they have your full SSN, something is going on. You'll probably want to file a police report for identity theft.

Also while you're at the FTC website, review the practices of what debt collectors can and can't do. While normally threatening to arrest you is illegal, payday loans usually default because of a bounced check, which is usually a crime. However, I'll bet that the amount of time that has passed will prohibit the local DA from being able to even prosecute that kind of crime - if the state even allows it for payday loan repayments that bounce.
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