ACS

Patrick – Jan 12, 2021

Attached are my emails I received today.

Logan – Dec 27, 2020

Re: Your Bill Details
Inbox

Debt Collection Agency
Dec 22, 2020, 11:56 AM (5 days ago)
to Debt, bcc: me

FINAL CHANCE TO RESOLVE THIS MATTER

CASE FILE #: HM/27A/98-36471

AMOUNT DUE – $1249.68

CLOSING AMOUNT TO FREEZE DOWN THIS CASE FILE BY TODAY- $750.00

Your case file # HM/27A/98-36471 is handling by LEGAL DEPARTMENT OF ACS INCORPORATION and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file HM/27A/98-36471 BEFORE WE DOWNLOAD YOUR CASE FILE # HM/27A/98-36471 INTO THE COURT HOUSE.

This is in reference to your Case File HM/27A/98-36471 with ACS (ACE CASH SERVICES) in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 (Internet Crime Complaint Centre) has decided to mark this case as a flat refusal and press charges against you.

Your account with ACS is in Final Collections. According to our records, your outstanding balance was $1249.68

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by Today then we will close this account as paid off in full with zero balance.

We do hope that you will work out with this offer which is CLOSING AMOUNT – $750.00 Or, else we won’t be able to help you out.

Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.

The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

You can avoid this by taking care of this now.

It is quick and easy:

Do reply to us right now and provide us the date on which you can make the payment.

If you do not take immediate action we will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a lawsuit which will be a penalty of $4515.85 and your bank account will be closed. it will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name $1249.68

IF YOU WANT TO RESOLVE THIS MATTER THEN REPLY US BACK ASAP IN ORDER TO SETTLE THIS ACCOUNT(TIMINGS- BETWEEN 09:30 AM TO 06:30 PM EST).

UNITED STATES ATTORNEY

Best Wishes,

Patrick Spencer

Sr. Investigation Officer

Anthony – Dec 19, 2020

Same email received 12/2020

Re: Your Bill Details
Inbox

Debt Collection Agency
Dec 18, 2020, 3:02 PM (13 hours ago)
to Debt, bcc: me

FINAL CHANCE TO RESOLVE THIS MATTER

CASE FILE #: HM/27A/98-36471

AMOUNT DUE – $1249.68

CLOSING AMOUNT TO FREEZE DOWN THIS CASE FILE BY TODAY- $750.00

Your account with ACS is in Final Collections. According to our records, your outstanding balance was $1249.68

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by Today then we will close this account as paid off in full with zero balance.

We do hope that you will work out with this offer which is CLOSING AMOUNT – $750.00 Or, else we won’t be able to help you out.

Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.

You can avoid this by taking care of this now.

It is quick and easy:

Do reply to us right now and provide us the date on which you can make the payment.

IF YOU WANT TO RESOLVE THIS MATTER THEN REPLY US BACK ASAP IN ORDER TO SETTLE THIS ACCOUNT(TIMINGS- BETWEEN 09:30 AM TO 06:30 PM EST).

UNITED STATES ATTORNEY

Best Wishes,

Patrick Spencer

Sr. Investigation Officer

Trisha – Nov 14, 2020

Scammer’s phone +14797779366

Scammer’s website ACS INC.

Scammer’s email [email protected]

Country United States

Type of a scam Advance Fee Loan

Initial means of contact Email

Got an email from a Baker and Baker Law Firm saying I owe an alleged debt to ACS INC. I have never taken out a loan with them. I asked for a calidation letter over 30 times but they refused saying it was a “defamation of character”. They then proceeded to call my number but again refused to send me a validation letter. They laughed at me when I told them that I had been a victim of identity theft 3 times in the last 7 years. They claimed people who steal identities get caught alot and I was crazy for filing a police report. They have threatened me with wage garnishments, arrest, suspension of social security number and other scare tactics. It has been a constant battle with them. Yet they have never gave me proof of this alleged debt. When I asked where it was located at they said in Oregon at a T-Mobile address ( I have never been there or use T-Mobile).

Dana – Sep 11, 2020

Victim Location 15212

Type of a scam Debt Collections

6A04-Account No: 045994

Balance Amount: $978.52

Case File Transferred to ACE:- September 9th 2019

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, A.C.S has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $965.75 If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of lawsuit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your SSN. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

The Factual Basis for the complaints is as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested $935.76 to settle this case.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT reply back to this email to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Paul Adam

Collections & Legal Department

NOTE: I now have a strange account on my Transunion for over 1k that dropped my score 57 points. 2 days after I got this email. It can’t be a coincidence, time to gear up to sue.

Raquel – Sep 03, 2020

Victim Location 21530

Type of a scam Debt Collections

[email protected] informed me that I owed $1285 to speedy cash and other accounts. They wanted $850 in two days to bring my account up to date. I have not dealt with speedy cash or cash advance. I have no accounts with these companies. ACS said they would take legal action against me in fifteen days if I did not comply . There was no account numbers for the so called debt and no phone number to call to speak with an account representative. I received an e-mail from ACS.

George – Aug 27, 2020

Victim Location 78728

Type of a scam Debt Collections

Case File No: ACE/*******

Balance Amount: $970.85

Today’s settlement amount $750.00

Case File Transferred to ACS: – August 2020.

Contact :mailto:[email protected]

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $970.85. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

This is ACS (Ace cash services), it is a parent payday loan company which owns and operates more than 350 parental payday loan websites, SPEEDY CASH , CASH NET USA, CASH AMERICA & 500 CASH ADVANCE PAYDAY MAX, 2-MINUTE PAYDAY LOANS etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours that what would you like to do. We would like to update you, the initial loan amount was $300.00. And now with the late fees and tax, Rate of Interest the initial amount of $300.00 goes up to $970.85.

We have settlement amount for you;

1. If you can make a one-time payment of $750.85 then we can close your case file with this amount only.

2. If you are looking for bi-weekly payment then you have to pay a total amount of $840.00 with payment arrangement and you can pay $210.00 bi-weekly till paid in full.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue contact us during the working hours Monday to Saturday 09:00 AM to 05:00 PM EDT by reply back to this E-mail to get in touch with the representative.

Yours sincerely

Alan Wilson

Collections & Legal Department

Caleb – Aug 22, 2020

Victim Location 44905

Type of a scam Debt Collections

Recived an email from acs incorp about a debt collection for 1567.00. It dont say who the original creditor is

Micah – Aug 21, 2020

Victim Location 30757

Type of a scam Debt Collections

I have been receiving multiple emails from this company claiming that I have debt that needs to be paid off or I will go to jail. They are threatening me with the FBI, FTC and other places saying they will take me to court in 48 hours. I had a payday loan 4 years ago and had the debt paid off directly with the payday loan service itself because the gentleman I spoke to said if we receive your payment they won’t have to contact me again and they haven’t. Now I am receiving these emails continuously about owning money that I don’t owe and being threatened with jail time. They started sending these emails 2 years ago and have not stopped

Gerald – Aug 20, 2020

Victim Location 36617

Type of a scam Debt Collections

I received an email stating I owed for an advance. I have never taken an advance out. They threatened me with arrest, seizure of property and etc.

Kristina – Aug 17, 2020

Victim Location 23040

Type of a scam Debt Collections

They sent me today saying garnishment notice and arrest notice. But Here’s the original email I received.

This is the Legal Proceedings issued on you Docket #: **** with one of ACE (Advance Cash Services). Company in order to notify you because we were not able to get hold of your case file so the accounts department of Cash Advance has decided to mark this case as a fault refusal and press legal charges against your name and SSN.

Case File #: ************

Balance Due: $980.76

Case File Transferred to Advance Cash: JULY 2020

Dear Debtor,

Already we have sent you several notifications but you failed to respond on time. Now it’s high time, if you fail to respond in the next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict action against you. Your salary and all your wages confiscated.

We will be forced to proceed legally against you and once it is proceed the creditor has entire rights to inform your employer and your references regarding this issue and lawsuit will be the next step which will be amounting to $3200.60 and will be totally levied upon you and that would be excluding your attorney charges.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Kindly let us know your clear intention by Today onwards so we can hold the case file else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.

Note: This notice is provided to you on behalf of Cash Advance Incorporation and its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as ”Cash Advance Related Companies," "we," " our," or "us"). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade name Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, Fast Cash, Cash Net USA, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500, Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owner Mr. Payroll locations. "You" or "Your" means you as a participant in or as a user of the products and/or services offered by Cash Advance Related Company.

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we won’t be able to help you out.

The legal charges are Section 9 and Chapter 19 against your name and Social.

Note: This is your last and final chance to settle this case.

Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 7-10 working days. Kindly hire an attorney.

We have settlement amount for you:

1. If you can make a one-time payment of $400.00 by today then we can close your case file with this amount only.

2. If you are looking for bi-weekly payment then you have to pay a total amount of $500.00 with payment arrangement and you can pay $100.00 bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of $600.00 with payment arrangement and you can pay $200.00 monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account.

Do revert us ASAP to stop all legal consequences against your Name and SSN.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

ATTENTION: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Regards,

ACE Legal Group of Attorneys.

———–

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Mario – Aug 15, 2020

i recieved an email coming from Felicia Ray
What is this?

CASE FILE #: BN12911E

One Time Settlement Amount: $950.27

We are really very sorry to tell you that you are going to be legally prosecuted in the Court House within a couple of days. The US Government puts your SSN on hold, so before something goes wrong I thought that I should call you and notify you about this matter. But as I was not able to reach you I am sending you a final notification Email.

The Legal Affidavit States that you monitored online Using Order to Solicited Funds From an Online Website Which is Own and Operated By American Cash Advance. The Funds Were Successfully Transferred into Your Bank, Utilizing an interstate EFT (That stands for Electronic Funds Transfer) But at The Time of Repayment When the Clients Attempted to Extract the Funds Back there were 6 ETfs Returned Constituting Worthless Electronic Check, So as of Now Rather

Than Chasing You for Money They Have Simply Decided to write This money as a loss and deemed to be stolen as well as press charges against you in your state under your social security number.

Now this legal affidavit has been taken care of by FDCPA Law Fair Debt Collection Practice Act Chapter (9) Section (19).

This means just two things for you: –

1) If you are on any state supervised probation on payroll, you will need to top contact the officer about this case and make them aware about this case.

2) If You have any prior Conviction Including but Not Limited To Worthless Check, Grand Theft, or money Laundering Please Make it a note that the attorney General of your state would handle this case as that of an habitual offender, as your state is strictly zero tolerance state.

This is also to inform you that my clients that are your creditor have got all the rights and legal authorities to inform your current employer on what you have done in the past and what shall be the results and the consequences once this case would be downloaded which might lead to termination. Finally, you do have a right to an attorney if you don’t have one or you cannot afford one, One Shall be appointed to you But Please make sure You Have Someone To help you out regarding this case, because once this case would be executed and if you lose the case against the jury then the legal charges which would be levied upon you would be $11958 at this amount would be excluding your attorney charges your bail charges and the outstanding amount you owe to the clients.

If you need some further information please email us back.

Thank you

(Senior recovery attorney)

ᐧ

Lydia – Jul 21, 2020

Victim Location 08610

Type of a scam Debt Collections

I just recieved an email today regarding a Summon of Garnishment and Arrest Notice on my wages stating that I owe money to someone and a judgement by the court for payment of debt. and that they ordered my employer to to deduct 25-30% of my earnings and make payment to the court on ACS behalf. ACS is stating I have a past due amount of $1034.27. and that they will settle for $450.00 by today or 2 payments of $250.00 from today. And says to contact your creditor for the settlement amount.

1. I don’t owe NO debt collectors

2. There is no name of the debt collector in the email to even contact.

3. This only came in a form of email: [email protected]

4. No address or phone number on email.

Please beware of this scam!

Holly – Jul 15, 2020

Victim Location 32466

Type of a scam Debt Collections

I received an email from a company called ACS Incorporation claiming I owe them $964.52 because of a previous loan. Everything they’re claiming is false. I have never had any cash advance from that company or any company for that matter. In the email they threaten to damage my credit and inform my employer of my failure to take care of the dept. Not sure what route I should take to take care of this issue. Like I said I never had any dealing with an ACS INC. or any cash advance company for that amount of money.

Cindy – Jul 08, 2020

Victim Location 55428

Type of a scam Debt Collections

This person contacted me saying I owed money and they had a warrant for my arrest if I didn’t pay. I did a google search and there is no such thing as ACS according to my search. He also stated that they would be doing wage garnishment which I have received no such notice. No letter was sent to me at all regarding this.

Sheila – Jul 02, 2020

Victim Location 02302

Type of a scam Phishing

On Jul 2, 2020, at 7:27 AM, ACE CASH wrote:

Case File No: ACS/DS-2097315

Balance Amount: $970.85

Case File Transferred to ACS: – July 2020.

Dear Customer,

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue contact us during the working hours Monday to Saturday 09:00 AM to 05:00 PM EDT by reply back to this Email to get in touch with the representative.

Yours sincerely

Collections & Legal Department

——————————————————————————–…⇄ Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

Kristina – Jun 30, 2020

Victim Location 46540

Type of a scam Debt Collections

I have received emails claiming I owe for a payday loan that I have never gotten here is the email: CASE FILE : P-1509

LOAN INFORMATION

DUE AMOUNT- $851.88

LOAN COMPANY- ACS Incorp.

This is to inform you, that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Federal Government, so before the case if filed we would like to notify you about this matter.

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

(4) ELECTRONIC FUND TRANSFER FRAUD.

Now this means few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.

If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $4271.15, excluding loan amount, attorney’s fee & the interest charges. You have the right to hire an attorney. If you don’t have/can’t afford one then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary.

IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH E-MAIL.

(DISTRICT ATTORNEY)

Bethany – Jun 26, 2020

Victim Location 52640

Type of a scam Debt Collections

This is the e-mail affiliated with ACS, Inc, a reported scam.

Maria – Jun 19, 2020

Victim Location 11212

Type of a scam Debt Collections

I never applied for a cash advance loan from this company.

Ebony – Jun 17, 2020

Victim Location 87420

Type of a scam Debt Collections

Received this email and noticed i was BCC’d in the email. it was directly addressed t me:

FINAL NOTICE

Case File # : ************** Balance Due : $964.52

These Legal Proceedings issued on you Docket #: **** with one of Cash Advance Inc. The company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

Already we have sent you several notifications but you failed to respond on time. Now it’s high time, if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary and all your wages confiscated.

The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you. If you want to stop it now you must take immediate action.

We will be forced to proceed legally against you and once it proceeds the creditor has entire rights to inform your employer and your references regarding this issue and lawsuit will be the next step which will be amounting to $2473.90 and will be totally levied upon you and that would be excluding your attorney charges.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Note: This notice is provided to you on behalf of Cash Advance Incorporation and its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as ”Cash Advance Related Companies," "we," " our," or "us"). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade name Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, Fast Cash, Cash Net USA, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500, Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owner Mr. Payroll locations. "You" or "You’re" means you as a participant in or a user of the products and/ or services offered by Cash Advance Related Company.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

Do revert back if you want to get rid of these legal consequences and make a payment arrangement Today or we would be proceeding legally against you.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT by reply back to this E-mail us Back in order to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Taylor –

Victim Location 30058

Type of a scam Debt Collections

This company has made serious allegations against me n I don’t appreciate it at all n my credit is showing breaches . I am a citizen wth no debt n I have a career n I am in college getting master’s degree n I am not going to get a loan no where fo the AMT of 4230.00 that would not do [censored] nor buy [censored] I need . I’m looking fo a loan fo 145000.00 I’m tryin to buy a home n I have paid all my debt n not going to be harassed nor preyed upon.

Marisa –

Victim Location 27591

Type of a scam Debt Collections

I got an email saying I owed a debt that I was previously contacted about. There were a lot of spelling errors. Don’t fall for it.

Shawn –

Victim Location 90033

Type of a scam Debt Collections

I keep an eye on my credit report and positive and negative accounts. And usually if those accounts get a debt collector or anything they send me postal mail. Some accounts stopped sending me stuff or trying to contact me while others still send me postal mail once in awhile. For the last year I haven’t received anything. Then al of a sudden I receive an email. I do not recognize the lender company they claim they are contacting me on behalf of. Don’t recognize the amount due. I even went to check my derogatory and closed accounts on credit report I have access to 24/7 and nothing matches up with them. The email they sent me first says they settled for $850 or 2 payments but have to pay today but then as you go down it’s says $1385. It’s a email telling me they will be garnishing my wages for this amount but with covid-19 everything is paused and I’m not even working due to covid-19. At the bottom it has the hours but no contact information nor address. So to me it looks like a scam I want to be sure before I actually try to email back or contact to resolve.

Amber –

Victim Location 51446

Type of a scam Phishing

Case No: ACE- ACS06/346332

Balance Amount: $970.85

Case File Transferred to ACS: – January 2020

Dear Customer,

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue contact us during the working hours Monday to Saturday 09:00 AM to 05:00 PM EDT by reply back to this E-mail to get in touch with the representative.

Yours sincerely

Collections & Legal Department

ACS INC

Adriana –

Victim Location 32073

Type of a scam Debt Collections

I had just moved to Florida from Ohio in March and this ACS Loan Colloctors said they were filing a lawsuit against me at a court in Fort Larderdale only they spelled it Fort Lauder dale against my name and SSN. They also state that they’re in contact with the social security administration and the credit bureaus as well. Then the email goes on to say that it’s mg last warning to me. They’re saying I have a $3,200 debt to them. Then I look it up and see all these sites saying it’s a scam which I figured because I haven’t been near Fort Lauderdale and the only debt I have that high is my student loan debt!

Toni –

Victim Location 27101

Type of a scam Debt Collections

Andrew law firm"

FINAL CHANCE TO RESOLVE THIS MATTER

CASE FILE #: HM/27A/98-36471

AMOUNT DUE – $1385.98

CLOSING AMOUNT TO FREEZE DOWN THIS CASE FILE BY TODAY- $850.00 or two payment of $450.00 by Today

Your case file # HM/27A/98-36471 is handling by LEGAL DEPARTMENT OF ACS INCORPORATION and we are working with FTC, FBI and all the three credit bureaus, So now you may co-operate us in order to resolve the case file HM/27A/98-36471 BEFORE WE DOWNLOAD YOUR CASE FILE # HM/27A/98-36471 INTO THE COURT HOUSE.

Your account with ACS is in Final Collections. According to our records, your outstanding balance was $1385.98

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by Today then we will close this account as paid off in full with zero balance.

We do hope that you will work out with this offer which is CLOSING AMOUNT – $850.00 Or, else we won’t be able to help you out.

Do revert back if you want to get rid of these legal consequences and want to make payments within next 48 hours or else the case will be downloaded against you.

You can avoid this by taking care of this now.

It is quick and easy:

Do reply us right now and provide us the date on which you can make the payment.

IF YOU WANT TO RESOLVE THIS MATTER THEN REPLY US BACK ASAP IN ORDER TO SETTLE THIS ACCOUNT (TIMINGS- BETWEEN 09:30 AM TO 06:30 PM EST).

UNITED STATES ATTORNEY

Best Wishes,

Patrick Spencer

Sr. Investigation Officer

Micheal –

Victim Location 46250

Type of a scam Debt Collections

Here is the email I received. I have also received phone calls however, due to my robo-blocker on my phone, it goes to voicemail:

FINAL NOTICE

This Legal Proceedings issued on you Docket #: 3616 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

Case File #: ACS/19-ST0507;

Subject – ACS Loan Reminder/Debt Recovery

Balance Amount: $980.00

Settlement amount to close to this account at once by today:-$495.00

Dear Debtor,

We are going to file a lawsuit in next 72 hours at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you; kindly update us ASAP so that we can proceed.

Note- If we don’t receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court.

AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or Arrestment of part of your salary to satisfy the debt

The Factual Basis for the complaints is as follows:-

You agreed to return the funds from the aforementioned income advancement as per contract.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract

NOTE 1: If we don’t receive any response from your side today or tomorrow, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $4203.86.

NOTE 2: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

NOTE 3: Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with zero balance and the your case file is closed.

This is our last warning to you; kindly update us ASAP so that we can proceed.

Do update us with your intention that you want to resolve this case or you want to dispute.

We are in a process to inform the Social Security Administration & Major Credit Bureaus as well.

To resolve this issue contact us 24*7 to this email to get in touch with our representative.

NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.

Do revert ASAP

(Collections & Legal Department)

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

Mindy –

Victim Location 16102

Type of a scam Debt Collections

Court Case File_US-077091-SC

Last Date to file Lawsuit-03/23/2020.

We are going to file a lawsuit in next 24 hours at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you; kindly update us ASAP so that we can proceed.

Note- If we don’t receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $3203.86.

Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries.

Thank you,

ACS Incorporation.

Lydia –

Victim Location 87740

Type of a scam Debt Collections

Wants me to pay money or wage garnish

Mathew –

Victim Location 85051

Type of a scam Debt Collections

Unpaid Debt & Poor Credit Report

Due to: ACS Incorporation

Police Case File #: ACS-02/1098;

Docket no #: SBA17147714

Subject – Loan Reminder/Debt Recovery

Case File Transferred to DEBT COLLECTION AGENCY: March 2020

Balance Amount: $663.67

We are going to file a lawsuit in the next 48 hours at United

States District Court 99 E-Bro ward Blvd # 108, Fort

Lauder dale, FL 33301, United States Against your Name and SSN.

After giving several notifications we did not receive any Response From your side. We will consider that you are Ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you; kindly update us ASAP so that we can proceed.

Note- If we don’t receive any response from your side today, your case file will be downloaded automatically against you. After that, we are unable to help you and you will receive court summons at your doorsteps with the cost of the lawsuit around $3203.66.

Do update us with your intention that you want to resolve this case or you want to Dispute.

If you want to resolve this matter & clear your credit report then we have settlement amount for you;

1. One-time payment of $463.67 by today or tomorrow.

2. If you are looking for Bi-weekly payment then you have to pay the total amount of $663.67 with payment arrangement and you can pay $200.00 Biweekly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full with ZERO balance and you are no more debtor for the company and will update the Major Credit Bureau.

Do revert us ASAP

Thank you

Account Department

DEBT COLLECTION AGENCY.

Cody –

Victim Location 35757

Type of a scam Debt Collections

I received the following email from them telling me I owed them money. In fact I have never heard of this co.pany below or done business with them.

On Wed, Mar 18, 2020 at 10:58 AM, Cash Debt Solution

wrote:

ACCOUNT# :KI_8562162

LOAN/DEBT INFORMATION

OUTSTANDING AMOUNT- $850.67

LOAN COMPANY/LENDER – ACS INC.

We are here by to inform you that you are going to be legally prosecuted in

the Court House within couple of days. Your SSN is put on hold by US

Government, so before something goes wrong we would like to notify you

about this matter.

It seems apparent that you had chosen to ignore all our efforts to contact

you in order to resolve your debt with your Payday Services. At this point

you had made your intentions clear and leave us no choice but to protect

our interest in this matter.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST

YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION *

(2) COLLATERAL CHECK FRAUD *

(3) THEFT BY DECEPTION *

If we do not hear from you within 48 hours of the date on this letter, we

will be compelled to seek legal representation from our in-house attorney.

We reserve the right to commence litigation for intent to commit wire fraud

under the pretense of refusing to repay a debt committed to, by use of the

Internet. In addition we reserve the right to seek recovery for the balance

due, as well as legal fees and any court cost incurred.

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.

As we have shared with you in previous letters, read your loan agreement;

the next step is clearly defined. It could cost us both a great deal of

time and money; you can avoid this by taking care of this now.

The opportunity to take care of this voluntary is quickly coming to an end.

We would hate for you to lose the option of resolving this before it goes

to the next step which is a Lawsuit against you, but to do so you must take

immediate action.

If you do not take immediate action:

We will be forced to download this case against you and once it is

downloaded the creditor has entire rights to inform your employer and your

references regarding this issue and the law suit will be the next step

which will be amounting to $4447.25 and will be totally levied upon you and

that would be excluding your attorney charges and the due amount pending on

your name.

Thanks for being our customer,

Regards,

ACS Incorp.

>—————————————————————————-…⇄ /

Confidentiality Statement & Notice: This email is covered by the Electronic

Communications Privacy Act, 18 U.S.C. 1983 and intended only for the

use of the individual or entity to which it is addressed. Any review,

retransmission, dissemination to unauthorized persons or other use of the

original message and any attachments is strictly prohibited. If you

received this electronic transmission in error, please reply to the

above-referenced sender about the error and permanently delete this

message. Thank you for your cooperation

Vincent –

Victim Location 93611

Type of a scam Debt Collections

I have received an email stating that I owe a past due loan debt and they’re threatening to go to court and all kinds of crazy non sense. After reading the warning about this scammer on ScamPulse.com website I wanted to report my interaction, to be tracked as well. Whoever is scamming definitely doesn’t have good grammar, that was was first prompted me to research into this matter.

Naomi –

Victim Location 23231

Type of a scam Debt Collections

Received a phony garnishment email saying I’ll be arrested if I don’t pay and my employer has been notified to deduct the garnishment in addition to lawyer fees

Tina –

Victim Location 43620

Type of a scam Debt Collections

I receieved an email about a loan that I never got & was threatnening to take me to court. Never got documentation of a loan or that I was approved of one. They’re constantly harrassing me & emailing me.

Ruth –

Victim Location 76543

Type of a scam Debt Collections

I was emailed from informal email address. No prior attempt of notification before threat of court hearing to collect on a debt through conviction.

Alexis –

Victim Location 95826

Type of a scam Debt Collections

I got this email this morning. I responded

“ What’s your phone number?”

“What company?”

“What’s your address?”

“Where’s my noticed that’s been mailed out to me?”

“When was the notice sent out?”

This email along with others I’ve received is a scam. Please don’t fall for it!!!

Reference Account #:01/AN61023; Subject : Lawsuit

Garnishment Notification and Arrest Notice

LEGAL DEPARTMENT OF MAJOR CREDIT BUREAU

Case file: 01/AN61023

Loan Reminder/Debt Recovery

Due Amount- $954.86

Dear ——————( I removed my identification)

Reference Account #:01/AN61023; Subject : Lawsuit This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25% percent of your disposable earnings and make payment to the court on your behalf. The following applies to you:

Before you are arrested

If you pay in full or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full.

After you are arrested

Once you are found guilty into the court house, then you have to bear the entire cost for this lawsuit which totals to $2395.76, excluding loan amount, attorney’s fee, interest charges, late fee and other legal documentation charges. You have the right to hire an attorney. If you don’t have/can’t afford one then the court will appoint one for you in case if you are provide with a bail by the state country court house.

What is garnishment?

Garnishment is a legal process that allows a creditor to remove funds from your [bank]/ [credit union] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you cannot use that money in your account.

Why am I receiving this notice?

We received a garnishment order from a court to [freeze/remove] funds in your account. The amount of the garnishment order was for $954.86. We are sending you this notice to let you know what we have done in response to the garnishment order.

WE CARRY ALL THE RIGHTS RESERVED TO INFORM FTC, INTERNET CRIME COMPLAINT CENTER, YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.

We believe that this was not your intent and these steps are unnecessary. We merely require you to contact in writing to our recovery asset location department via email between 09.00 AM to 05:00 PM (EDT).

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed.

Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Adriana –

Victim Location 66614

Type of a scam Debt Collections

Well I got a email from ACS INC it said to contact the person name in the collection but there was no name or address or nothing they said I go jail or the garnish my wages 425 dollars

Tyler –

Victim Location 46001

Type of a scam Debt Collections

Lawsuit for fraudulent checking activity… threatening to contact my employer/manager and I will have consequences…seizure of assets…. offering discount on amount due if paid today

Michelle –

Victim Location 77006

Type of a scam Debt Collections

THIS IS WHAT I RECEIVED

appreciate your good intentions in order to settle this account. Kindly make sure to send settlement payment of $350.00 by today, 11/22/19. So that we can resolve this account.

PAYMENT INSTRUCTIONS-

Now, we would like to tell you that as per our accounts department, in order to make this payment. All you have to do is to get a ONE VANILLA PREPAID VISA DEBIT CARD from any of the stores mentioned below, load the required funds of $350.00 and thereafter provide us the required card information, so that we can receive your payment.

16 Digit Card number-

3 Digit CVV code appearing on the back side of the card-

Expiration Date-

Billing Address associated with this card-

Once we will receive the full payment then will sent you the full and final payment receipt stating that your account has been paid off in full with zero balance.

ONE VANILLA PREPAID VISA DEBIT CARD IS AVAILABLE AT THESE STORES NATIONWIDE:

Walgreen’s

Walmart

CVS/PHARMACY

RITE AID

7 ELEVEN

DOLLAR GENERAL

FAMILY DOLLAR

K-Circle

Kindly reply back to this email for confirmation.

Thank you for your cooperation.

Regards,

ACS INCORPORATION.

Show quoted text

Reginald –

Victim Location 92883

Type of a scam Debt Collections

Tried to scare me with a loan amount that if I had no paid they would report me to the FBI. They use broken English. Pretty weak scam but can see how someone could fall for it.

Terrance –

Victim Location 39301

Total money lost $350

Type of a scam Debt Collections

I received emails about a payday loan owed,that I didn’t have any knowledge of and being asked to pay money owed. Also not mentioned they threatening me with all kinds of charges and ligation. However when I asked for documentation be provided from the guy on the email, he never responded or list a phone number. All this is being emailed to me in a allegedly email from ACS Debt

Christy –

Victim Location 89433

Type of a scam Debt Collections

1 of 3

Outstanding debt clearance notice

Inbox

FRAUDULENT/FALSE ISSUES

Uvetta Watkins

Aug 12, 2019, 7:30 AM (7 days ago)

CASE FILE #: GT2605 One Time Settlement Amount: $950.27 CREDITOR – ACS INC. You are going to be legally prosecuted in the Court House within couple of days. US5

Lori Lynde

Aug 16, 2019, 8:34 PM (3 days ago)

———- Forwarded message ——— From: Uvetta Watkins Date: Mon, Aug 12, 2019 at 7:30 AM Subject: Outstanding debt clear

Uvetta Watkins

6:30 AM (7 hours ago)

to me

We’re Sorry! We can’t disclose if you want to see documents then you need to help me out with your attorney’s information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things in your local county courthouse.

We’re not denying that you will not get anything Once your file has been submitted for Garnishment then we will manage to send soft copies of your documents at your Physical Address but at this point, there is NO way to help you with Date’s & Time.

Once your payment plan will start then we will request the creditor to send them all the original document handover to you by Postal Services, you will get an online payment receipt for every payment you make as in proof that your payment is submitted to right parties and Once your balances been paid off from your name you will get a Court Clearance Certificate (CCC) as in proof that you have paid this payment in a legal way, after that no one can claim you that you have something outstanding on your name, and you start to rebuild your credit again.

Do Reply ASAP if you want to payment Arrangement!!

Thanks & Regards

(Senior investigation, attorney)

Debt Collection Division

Lucas –

Victim Location 15017

Type of a scam Debt Collections

ACS INCORPORATION SENT ME AN EMAIL ON 8/8/19, SAYING MY ACCOUNT IS PAST DUE, I NEVER EVEN APPLIED FOR A CASH ADVANCE, NOW THEY SAY I OWE THEM $850.OO FOR SOMTHING I NEVER GOT. I EMAILED THEM BACK AND SAID SEND ME A COPY OF THE APPLICATION AND THERE PHONE.THEY THEN EMAILED ME BACK SAYING I AM COMMITING BANK FRAUD, AND THEFT BY DECEPTION AND IF I DONT PAY NOW THEY WILL GO TO JAIL. I SENT EMAIL BACK TO THEM AND SAID AFTER LOOKING THEM UP THAT THEY ARE SCAM, PLEASE STOP THIS COMPANY .

THANKS JEFF

Miguel –

Victim Location 95928

Type of a scam Debt Collections

I double checked the email address and found multiple links to potential scams using this [email protected] That, and if they are a legitimate business, you are not using a gmail address.

Zachary –

Victim Location 23602

Type of a scam Debt Collections

i have received an email from the above email address stating that they have an summons for garnishment if i dont pay certain amount but they can settle for an certain amount, when i asked who they were associated with and who the creditor it is they mentioned ACE Cash Checking place.. i am on an settlement plan with them but i have not yet sent them any money, now my understanding is that if it is an debt collector they would usually be able to take payments through the checking account as EFT, not through western union money gram or even an prepaid debit card where you will have to send an pic of the card and the number on the card i dont feel comfortable please dont send any money to these people or to the individual person they give you as the person will pick the cash up in person.. i would had received an summons or any kind of paper work from the court and from my work stating my check is being garnished.. please be advised regarding emails from the mentioned above..

Kara –

Victim Location 99216

Total money lost $50

Type of a scam Debt Collections

claims that my husband owes them money for a loan only sends a email claiming they went to the court to file charges ,claim they sent out a warrant for his arrest due to no payment. when i called the number it is not a working phone number. only want me to get a pre- paid debt card to send them money. i sent them 50 dollars last week i thought is was real till i call the bbb office and talked to a lady told me it was a scam i received other email for 100 dollars. since i did not send them anymore money which i do not have they claim they will arrest him.

Angelica –

Victim Location 42701

Type of a scam Debt Collections

Asking me to pay a debt that I %100 know I dont owe to anyone. The email seemed a bit unprofessional to me and the email address was a gmail address which is what gave it away. The email said that I need to pay the debt immediately or I will face them in court. Below I have copied and lasted the email sent to me.

Due to ACS INC.

Amount Due: $645.67

Case File No.: #SA01-7942

Case File Transferred- April 2019

We have not received any response from our statements of the last two months nor to our last letter. Your entire account is now overdue, and you owe us a total of $645.67.

If there is some reason why this payment cannot be made immediately, please contact us so that we can make arrangements that will be mutually agreeable. Perhaps we can work out a payment schedule that would be realistic for your present circumstances.

Naturally, we do not want to endanger your credit rating or destroy the good relationship that we have maintained in the past. Therefore, would you please take care of this obligation immediately so that we will not have to file an unfavorable report with the credit bureau or resort to the use of a collection agency or an attorney.

We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which is approximately $4252.86.

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL.

Gina –

Victim Location 10468

Type of a scam Phishing

Below is the email I received today:

LOAN RECOVERY

12:51 PM (8 hours ago)

to LOAN, bcc: SXYSHA782

Due to: A.C.S INC.

Case File: *** Balance Due: $980.76

Dear Debtor,

Our company (A.C.S INC) has authorized us to recover the full amount due to them.

Already we have sent you several notification but you failed to respond on time. Now it’s high time, if you failed to respond in next 72 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict action against you. Your salary and all your wages confiscated.

We will be forced to proceed legally against you and once it is proceed the creditor has entire rights to inform your employer and your references regarding this issue and lawsuit will be the next step which will be amounting to $4203.86 and will be totally levied upon you and that would be excluding your attorney charges.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Kindly let us know your clear intention by Today onward so we can hold the case file else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt

The Factual Basis for the complaints is as follows:-

You agreed to return the funds from the aforementioned income advancement as per contract.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract

If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us.

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THROUGH AN EMAIL US DURING WORKING HOURS 09:00 AM to 06:00 PM EDT.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Do Revert ASAP.

Best Regards,

Collections & Legal Department,

ACS Incorporation.

Sheila –

Victim Location 73105

Type of a scam Debt Collections

Legal Motives Law Collections – ACS

They notified me that I was going to be prosecuted in the courthouse over a federal loan by the government. It says to contact them to pay my debt. The amount due that they claimed was 964.52, but if I wanted to avoid court I would have to pay an additional two thousand. They did not include any other contact information: no name, phone number or address. They also did not include any proof of debt.

Michelle –

Victim Location 37214

Total money lost $369

Type of a scam Advance Fee Loan

There was no information on who I owed and who was collecting the money I supposedly owed. There was no address or phone number to check on this. Can’t send a picture. I can forward email I received.

Adrienne –

Victim Location 89108

Type of a scam Tax Collection

So far I have received over 87 emails from this company called…. ACS debt recovery…. at first it took me by surprise because it was right after my divorce back in 2014. Now it’s 2018, and I just don’t respond at all. Little do they realize that I have a lot of family members that work for the government agencies. So if they were real scammers, they should actually run my name first.

United States District Court

CASH-ADVANCE SERVICES

CASH-ADVANCE LEGAL DEPARTMENT OF WIRE FRAUD

Settlement amount- $8000.00

ARREST WARRANT

To: Any authorized law enforcement Officer

An application by a federal law enforcement officer or an attorney for the government request to arrest.

Charges pressed against the name are:

1. Violation of federal banking regulation act 1983 (C)

2. Collateral check fraud

3. Theft by deception (ACC ACT 21A)

Which carries a maximum sentence of 10 years in prison and a fine up to $50,000.

YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION (OOCR): All you do is email us back for taking care of this matter outside the courthouse.

PS. If you fail to respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.

Karl –

Victim Location 46224

Type of a scam Debt Collections

I keep receiving emails from this so called debt collector ACS.

Mayra –

Victim Location 81004

Type of a scam Debt Collections

Case File No:*** ***

Balance Amount: $970.85

Creditor: Payday Loan Services

Case File Transferred to ACE: – July 2017

Subject: Notice of Legal Proceedings against fraud activity.

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, A.C.S has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $970.85 If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

This is ACS (Ace cash services), it is a parent company which owns and operates more than 350 parental payday loan websites, CASH NET USA, CASH AMERICA & 500 CASH ADVANCE PAYDAY MAX, 2-MINUTE PAYDAY LOANS etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours that what would you like to do. And now with the late fees and tax, Rate of Interest the initial amount of $300.00 goes up to $970.85

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT by reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Investigation Officer.

ACS Incorp.

Collections & Legal Department

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

:They sent me all the above writing in email and it worries me for my credit and identity are at stake please help me bbb

Morgan –

Victim Location 67214

Type of a scam Debt Collections

This is the email that I received last night from these peopoe:

Mark Brown ([email protected])

Case File # : OMP – 05/12515

Balance Amount: $964.52

Case File Transferred to ACS: – May 2018

Dear Kathryn Mitchell,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2771.52 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

• Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue call us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT on (321-473-7468) reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS

Yours sincerely

Collections & Legal Department

ACS LEGAL DEPARTMENT

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Cheryl –

Victim Location 65616

Type of a scam Debt Collections

The email starts with:

Case File # : SNN – xxxxx Balance Amount: $964.52

Case File Transferred to ACS: – April 2018

which makes it look real. I have copied the context for you to see. Do not be fooled by it and don’t send money

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2771.52 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

• Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

Marvin –

Victim Location 96813

Type of a scam Debt Collections

Hi ScamPulse.com,

I would like to know the validity of this email or if this is a scam. I certainly do not recall these allegations and this is the 4th email I have received. I am hoping other people out there are not falling for this scam.

I figured I bring this to your attention.

From: Mark Brown [mailto:[email protected]]

Sent: Friday, April 20, 2018 10:22 AM

To: Mark Brown [email protected]

Subject: Reference Account # : SNN – 04/48520; Subject : Lawsuit

Case File # : SNN – 04/48520

Balance Amount: $964.52

Case File Transferred to ACS: – April 2018

Dear Renee Equila,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2771.52 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

• Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue call us during the working hours Monday to Friday 09:00 AM to 05:00 PM EST on (321) 473 768 or reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS

Yours sincerely

Collections & Legal Department

ACS LEGAL DEPARTMENT

Thomas –

Victim Location 54403

Type of a scam Debt Collections

Receiving numerous phone calls from this phone number with a recording that "attempts to deliver documents to ***’s address have been unsuccessful, and you must speak to a representative to prevent further legal action." The recording requests to press one and it transfers to an "extension 114". When a call is returned to this number no name of the agency or business is given. Representatives have hung up on me after I ask for their name and type of business. One representative stated that they were ACS after being asked several times for their name, I was then "transferred to a supervisor" and the phone hung up.

I have received calls at 9:30 PM, 10:00 PM and 12:00 AM, all hours outside of FCC regulation for phone contacts from a business. This group is harassing my family.

Melinda –

Victim Location 65332

Type of a scam Debt Collections

I started receiving calls to my cell phone from ACS INC stating that they were trying to collect a debt that had been turned over to them from INC. I was told that the next day documents would be filed with the court and I was going to be charged with three things: 1) Violation of Federal Banking Regulation 2) Collateral Check Fraud 3) Theft by Deception. I was read an email address and asked if this was my email and if I still used it. I was read four numbers and asked if they were the last four of my social security number. I was then read a date and asked if this was my date of birth. I was never asked to tell them my information, they had all of it. When I gave a vague answer I was then told that I had been sent 30 emails to notify me of the pending charges. I hung up and started to search my email – I found 1 email in my email from March 2016 that was from [email protected] stating all the very same information I was told on the phone. I attached the email from March 2016 that I received.

When I asked for the exact date of the transaction, dollar amount and the name of the creditor I was told that they could not give me any of that due to the fact that they were a large company representing lots of companies trying to collect debts owed. Every time they call and I do not answer there is never a message left. Always a nosy call center environment in the background. The two times I have answered the number each time it was a different person (one female and the other male) with an East Indian accent. I was told by both of them that they were paralegals. I asked which attorney they represented, I was not given an answer by the first person and the second person told me after much pressure the attorney was Mark Brown in Brooklyn. I asked for a call back number and I was never given one, just that I needed to understand that this was a serious matter and I needed to deal with it RIGHT now.

Samuel –

Victim Location 77089

Type of a scam Debt Collections

I received an email stating that I owe $2000 but the would except 900, if i didn’t pay, they would garnish my checks or out me in jail, at the end of the message there was a number with buisness hours. I decided to call and a man came on with that accent that always scam people, so I asked questions, he said he was with a payday loan company I’ve never received a loan from, also in the email it said i was getting charged with attempting to get a loan, but when i said something about an email he said no im not talking to you reply to the email and hung up in my face when i called back it was going straight to voicemail !

Julia –

Victim Location 94541

Type of a scam Debt Collections

I received an email from Acs inc stating that I owe them money to be exact that I owe them 954.62 dollars and that I had to pay it or they proceed with court filing and garnish wages. I have attached a copy of the email I received the first thing I did was google this Acs inc thing and saw that it is all a fraud.

Kevin –

Victim Location 76063

Type of a scam Debt Collections

DUE AMOUNT-$964.52

LOAN COMPANY- ACS INC.:- April 2018

Dear Janae Shipman,

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $2593.19, excluding loan amount, attorney’s fee & the interest charges. You have the right to hire an attorney. If you don’t have/ can’t afford one then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1 321 473 768 between 09:00 AM to 06:00 PM EDT.

IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH E-MAIL OR CALL US DURING THE WORKING HOURS 09:00 AM TO 05:00 PM EST ON (321) 473 768.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Jenna –

Victim Location 33511

Type of a scam Debt Collections

This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25-30% percent of your disposable earnings and make payment to the court on your behalf. The following applies to you:

Why am I receiving this notice?

The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice; Garnish wages owed to a Debtor after Small Claims Court has made an order that you owe money. On December 10th, 2017 we received a garnishment order from a court to [freeze/remove] funds in your account. The amount of the garnishment order was for $1423.13. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.

Steven –

Victim Location 63389

Type of a scam Debt Collections

This company sent a email stating I owed a past due debt and wanted payment, however I have no record of this debt. I have never received any notice of any debt by mail. This company said payments can only be made by prepaid credit cards, or money gram from wal-mart.

Jason –

Victim Location 79107

Type of a scam Advance Fee Loan

Received an email regarding a garnishment order for a loan. My name or the name of the creditor was never named. I asked for a contact number and name of the company and all I received was a telephone number. I had Googled the email address(which was a gmail account) and phone number given and several disturbing results came up. I then contacted the ScamPulse.com and once the representative searched the phone number, it immediately came up as a "Phony debt scam"

Jay –

Victim Location 31211

Type of a scam Debt Collections

Email from a Paul Anderson from ACS explains this consumer owed $2,771.52. It did not say for what except "pending loan". The email also said that she would be arrested if she did not pay.

Donald –

Victim Location 33860

Type of a scam Debt Collections

They are claiming I owe them $2771.52, but will settle for $964.52. They are threatening me with court and wage garnishment, job troubles, notifications to social security and other state and federal organizations. Notifying the local authorities and possible jail time for fraud and theft if I don’t pay at least the $964.52 right away.

Amelia –

Victim Location 32256

Type of a scam Debt Collections

Received an email claiming I had an unpaid payday loan and they were going to take me to court. I called to speak with them, requesting proof of the debt, how it was calculated, and who the debt was owed to. I also asked for a physical mailing address. None were supplied. I then called my bank and verified that now loan in that amount was ever deposited in my account that they claimed. When I confronted them, they hung up. Here is the email:

ACS INC Thu, Feb 8, 2018 at 11:29 AM

To: Acs LLC

Bcc: *VICTIMS EMAIL*

Case File # : APK – 02/48508

Balance Amount: $964.52

Case File Transferred to ACS: – February 2018

Dear *NAME*,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2771.52 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

• Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

• Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue reply us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT on (321) 473 7468 or reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS

Yours sincerely

Collections & Legal Department

ACS LEGAL DEPARTMENT

Brenda –

Victim Location 55309

Type of a scam Debt Collections

Legal Notice//1245789963

Case Format- Fair Debt Collection Act 811 (FC/SC)

Last Date of Lawsuit: January 29th, 2018

Settlement Amount: $521.00 for Today.

Dear Debtor,

This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25% percent of your disposable earnings and make payment to the court on your behalf. The following applies to you:

Before you are arrested

If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full.

After you are arrested

Once the warrant has been served, your only options are to serve the time in prison or pay the debt (plus costs) in full at the court house.

If you want to stop the garnishment deductions from your paycheck, you must obtain a release or pay the entire amount you owe, which you can pay with the help of One Vanilla Prepaid Card and American Express Prepaid Card in order to close this account.

What is garnishment?

Why am I receiving this notice?

On January 25th 2018 we received a garnishment order from a court to [freeze/remove] funds in your account. The amount of the garnishment order was for $978.52. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for settlement amount.

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.

Sincerely

James Wood

Sr. Officer

Working Hours: 10.00 A.M to 6.00 P.M CST (Mon-Fri)

10.00 A.M to 1.00 P.M CST (Sat)

Brendan –

Victim Location 34652

Type of a scam Debt Collections

Plain text of the email and following emails after I decided to play along.

Email no 1

CASE FILE #: BN129654K

Settlement Amount: $734.27.

Dear Cory English,

Urgent: Please rectify this matter immediately.

This is in reference to your Case File Number BN129654K with ACS INC in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 (Internet Crime Complaint Center) has decided to make this case as a flat refusal and press charges against you.

It may be possible that you may have some financial hardship with you.

So, we are just giving you the last chance that if you just make a payment of $734.27 within Fifteen days, then we will close this account as paid in full with zero balance.

If you do not take immediate action:

We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to $1423. 13 and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.

Please reach out to us immediately if you would like to set up a repayment plan.

Email from them No 2

Hello

We are talking about the loan amount of $500.00 that you took with the company ACE – Ace loan online associate with A Parental Pay Day Advance Company, they do have a signed copy of the contract which is signed under your E-mail address, was also traced when you were signing the contract with the company.

ACE – Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute.

The LAW FIRM has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account.

If you are willing to resolve this case then we can provide you a one-time settlement offer of $734.27 that has to be paid till this Friday as paid in full with zero balance.

Note: This notice is provided to you on behalf of ACE – Ace Cash Express. And its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates,

(Hereafter collectively referred to as the “Cash Advance Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money Tree, Egg Loans, Check Cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash Land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.

As per your contract in the event of a default, you would be contacted via the same email had you used to solicit the funds. If you did not get the email then,

1) Either you no longer have the email address,

2) You deleted the email thinking it’s just another email advertisement to get a fresh loan or

3) You might be caught of identification theft

DO REVERT ASAP!

Thank you

Sr. Attorney Officer

I noticed they never named themselves nor what specific company.

Todd –

Victim Location 60707

Type of a scam Debt Collections

I was emailed by [email protected] and another time by [email protected] stating that ACS, Inc had filed a lawsuit on me and won the case. They stated that unless I pay them within 4 days, they will garnish my wages. I replied to them that I do not owe any money to anyone and that I filed a complaint against them.

Kathleen –

Victim Location 93234

Type of a scam Debt Collections

GOT AN EMAIL SAYING I NEEDED TO PAY A CAH ADVANCE LOAN BY THE END OF THE DAY OR THEY WOULD DOWNLOAD MY CASE FILE TO THE COURTS AND PRESS CHARGES AGAINST ME.WANTED MY TO PAY WITH PREPAID VANILLA CARD ONLY

Marie –

Victim Location 55411

Type of a scam Advance Fee Loan

Keeps emailing me saying I owe for a payday loan that I never took. Has given me 3 different amounts that I owe. Threatened with law suit and being arrest. Name he uses is David Hall.

Robyn –

Victim Location 48346

Type of a scam Debt Collections

This company has been repeatly texting and e-mailing me saying I owe a debt to a payday loan company from 2011 and if I do not pay the amount owed they will file a court case in the state of New York. I have asked them repeatly to send me the paperwork reguarding this matter and they have refused. They have offer to settle out of court if I send them for $350.00 if I wire it to them by Friday, the original amount they said I would be sued for is $4206.00.

Krystal –

Victim Location 95207

Type of a scam Debt Collections

Hello,

I have been getting emails from this supposedly ACS and on many times I asked if they had documentation to show me that I have a loan with them and haven’t sent me anything. They asked me to send them money on a prepaid card and I don’t even see them on my credit report. when they send emails there is no phone number name or address.

From: ACS DEBT

Date: Thu, Sep 28, 2017 at 1:58 PM

Subject: COURT PROCEEDING

To: ***

We have tried to several time work with you but as you are not co-operating with us. Then, unfortunately, we have forwarded your case file to the legal department of FDCP and IRS to put a hold on your Tax return and if it was released then it should be seized until the judgment of your case file with us. We already updated legal department to file the Court petition in Courthouse. Once the Court Summons will be signed by the court clerk we will update you one copy at your postal address along with one copy at following places:

1. Nearest Police Station

2. At your Employer

3. Internal Revenue Services

4. Federal Bureau for Credit

5. Bank with which you have accounts.

Regards,

Attorney of Advance America

Darren –

Victim Location 94587

Type of a scam Debt Collections

Hello, I have been contacted by these people several times to be threatened and harassed. This is usually the message I receive on a weekly to bi-weekly basis.

Case File: FR-127/A26/32186

One Time Payoff Amount for Till Friday: $956.27.

This is in reference to your Case File Number FR-127/A26/32186 with ACS INC in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 (Internet Crime Complaint Center) has decided to mark this case as a flat refusal and press charges against you.

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance that if you just make a payment of $956.27 by today then we will close this account as paid in full with zero balance.

If you do not take immediate action:

We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to $1423.13 and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.

Best Wishes,

Settlement Department

Lydia –

Victim Location 10977

Total money lost $400

Type of a scam Debt Collections

This company has been asking for money in gift cards like green dot or iTunes to repay a loan which I never took and I have tired to block and report spam but they end up sending different emails to get to me. Everytime I get a email from them it’s never the Same person. They keep turning me to take me to court and I will be in prison for 10 years

Brianna –

Victim Location 37708

Type of a scam Debt Collections

This entity is claiming to be an attorney in a new York courthouse and is trying to collect money on a false debt pertaining to bank fraud and check fraud. individual threatens with asset seizure, wage garnishment, and even arrest. I have no prior dealings or knowledge of this persons claims and the whole thing is a total scam, so beware.

Misty –

Victim Location 21234

Type of a scam Debt Collections

This person or company keeps emailing me and threatening me to send a payment through a prepaid gift card, which i never heard of any debt collector company receiving a payment through a gift card. I have attached an email on what i received from them:

We have not receive any payment information from your side yet. Kindly let us know your clear intentions that whether you want to resolve this case or we should go ahead with the legal charges against your name and social.

We give you last chance to settle this account else we have to forward this case for legal department.

Russell –

Victim Location 90605

Type of a scam Debt Collections

I been receiving emails stating I owe a outstanding balance. They warn you that a warrant for your arrest will be issued if you don’t pay. It’s a scam. I receive these emails constantly. They also want you to pay via gift card.

Alison –

Victim Location 53546

Type of a scam Advance Fee Loan

Don’t pay loan off in 72 hours police will arrive a seize everything. ACS only accepts payments through a one vanilla prepaid card.

Cristina –

Victim Location 63957

Type of a scam Debt Collections

They left a message on my answering machine giving me 2 hours to contact them or they we’re going to take legal action. When trying to call them back the number was no longer in service. They also called my mothers house leaving a message there with a different number that number is also disconnected.

Spencer –

Victim Location 98374

Type of a scam Debt Collections

I received a voice mail. The caller used my married name. Said they were trying to deliver legal documents that I had refused to sign for. I had 2 hours to call them back at (323) 813-7150 before further action would be taken. The caller ended with saying I better call "Now"

Meagan –

Victim Location 98684

Type of a scam Debt Collections

They have been contacting me to tell me I have debt and that they were going to prosecute me for bank fraud.

On Friday, March 24, 2017, 2:07 PM, Loan Settlement wrote:

*** ***,

This is in regards to your pending advance loan which you took from our company (Cash Advance) and never bothered to pay it back to the company. Cash Advance is one of the nation’s largest consumer lending company, which is leading providers of banking services, consumer finance, personal loans and payday loans. We comply with all federal and state laws and always present fees clearly and completely.

The loan amount was $300.00 but by including late fee, legal charges and interest rate on the loan amount it became $986.67. This is our last notifications to you as earlier we have sent you a several notifications to you on your physical address which is *** ** *** *** *** ** *** but you never replied yet.

If you want to resolve this case then we have a settlement amount for you which is $486.00, If you can pay this amount by today (March 24th 2017) then we will close your case file with this amount only. Kindly let us know your intentions clearly regarding this case file else we have to forward your case file to the courthouse (County Court 930 Tacoma Ave S, Tacoma, WA 98402) for legal actions for violating the Federal Banking Regulations.

Kindly update us ASAP so that we can get it update to our accounts department in order to put a hold on your case file.

Do revert ASAP.

Best wishes,

Morris Anderson.

Sent: Friday, March 24, 2017 at 11:41 PM

From: "*** ***"

To: "Loan Settlement"

Subject: Re: Arrest warrant I’d:- NY69447U which will be going to release on Monday

I’m not sure why I keep receiving this. I have no debt to you.

Sent from Yahoo Mail for iPhone

On Friday, March 24, 2017, 10:03 AM, Loan Settlement wrote:

Legal Department for Debt Collection and Bank Fraud

Under the Federal Fair Debt Collection Act (Lawsuit): Criminal Docket Number EVR-3899

*** ***

*** ** *** *** *** ** *** ***

Notice of Legal Proceedings

Case File#: CL/D-0091086

Amount Due: $986.67

Arrest warrant I’d:- NY69447U which will be going to release on Monday noon 3pm

Attention – *** ***

This is the last and final chance for you. If you want to make the payment you can reach us on this email address. We have sent you this warning notification about legal proceedings of March 21st 2017 but you failed to respond on time now it’s high time if you failed to responding next Four HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.

If we do not hear from you within Four HOURS we will have no alternative than to commence with further debt collection procedures. This will include instructing out Federal Trade Commission, Credit Bureaus, and Employer etc.

Court proceedings will be issued within 72 hours from the date of this letter if the account has not been settled. You will be prosecuted for Following Allegations;

· Bank Fraud

· Violation of Federal Law of Debt and Banking

· Intentional Theft by Deception

There will be no further warnings made for demands of payment. Court proceedings can include the additional expense of legal costs and interest being added to the balance of this account. It is regrettable that it has come to this point and court action is still avoidable if immediate and full settlement of this account is made.

This action can be avoided by either settling the outstanding amount immediately or contacting us within 24 HRS with a suitable payment arrangement.

NOTE 1: If we don’t receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $2873.81

NOTE 2: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM t o 05:00 PM or reply back to this E-mail to get in touch with the representative.

We look forward to hearing from you. You can reach us on this email address 24*6 Friday to Saturday.

Yours sincerely,

Legal Department for Debt Collection and Bank Fraud

CASH ADVANCE

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

CASE FILE NUMBER #: SR:56278178-TX-SK-007

LOAN INFORMATION

PAST DUE AMOUNT – $864.86

CREDITOR: ACE CASH SERVICES

SETTLEMENT AMOUNT $316.00

This Proceedings issued on you Docket no: 56278178 Advance Cash Services Company in order to notify you we were not able to get hold of your case file any more. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.. We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $3565.79 We give you last chance to settle this account else we have to forward this case for legal department,If once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to $3589.27

Our company (Acs Inc) has authorized us to recover the full amount due to them. we are going to be legally prosecuted in the court house within couple of days. as we put your SSN into our national checking database system, we found that you have been never charged for a fraud activity & that is the reason court has decided to give you a chance to take care of this issue outside the court without having a report on your credit history and ssn. now if you want to take care of this issue than you have to pay an court restitution amount which includes the late payment charges, penalty charges, interest rate on the loan amount and actual loan amount = restitution amount which is $ 864.86 or else the lawsuit amount which is about $3565.79 will be downloaded against you. we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

If you would like to make a one-time final payment to settle your account, we can waive all fees and freeze the existing cash advance thus taking your balance down from $864.86 to $316.00 One-time final SETTLEMENT AMOUNT for TODAY Once you will have full & final receipt once you will make the payment ACS collection department we can send you settlement letter along with transaction ID stating that your account has been closed with zero balance for your record purpose.

We do hope that you will work out with this offer. Or, else we won’t be able to help you out. You can avoid this by taking care of this now. Do revert back if you want to get rid of these legal consequences and want to make the settlement amount or else the case will be downloaded against you next week. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

This notice is provided to you on behalf of Cash Advance Inc , your case file is handling by collection department of ace Inc, Talking about the creditor Ace Inc. ACS is the mother company which owns & operates MORE THAN 350 PARENTAL PAYDAY LOAN WEBSITES CASH NET USA, CASH AMERICA & 500 CASH ADVANCE, PERSONAL CASH ADVANCE, RAPID CASH, CASH AMERICA PAYDAY ADVANCE, SONIC PAYDAY, SPEEDY CASH CHECK CASH LOAN, EGG LOANS, QUICK PAYDAY, PERSONAL CASH ADVANCE, ALLIED CASH, SUPER PAWN, CHECK INTO CASH, CHECK SMART, CASH AMERICA NET, CASH AMERICA etc. And you have used CASH NET USA get this loan approved. as a user of the products and/or services offered by a Cash Advance Related Company.

This is our final notification to you as we found you to be a genuine person as told you before. If once the case gets download in the court then it will add late payment fees, Documentation fees, and Penalty fees, Judge Fees and Attorney Charges and Court House. We have sent you this warning notification about legal proceedings but you failed to respond on time now it’s high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORTAS YOU ARE A DEFAULTER ON THIS CREDIT, UNITED LEGAL INVESTIGATION BUREAU HAS STATED THREE SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Now, this means a few things for you. If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 12 hours of the date on this letter,

Dear CUSTOMER as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know when you can pay the requested $ 316.00 to settle this case. Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. If you do not take immediate action we will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this which is named and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to $3565.79.

KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLEMENT AMOUNT AND IF NOT THAN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST YOU INTO THE COURT HOUSE AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU EMAIL

REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER.

UNITED STATES OF ATTORNEY & ATTORNEY GENERAL USA

THANK YOU FOR BEING OUR CUSTOMER.

Best Regards,

James Smith (sr. investigation officer collections department)

Ace Case Services.

United States.

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited Thank you for your cooperation.

Jack –

Victim Location 54904

Type of a scam Debt Collections

LOAN INFORMATION: COLLECTIONS & LEGAL DEPARTMENT ACS/ACE/USA

DUE AMOUNT- $980.76

CREDITOR – ACE/ACS (ADVANCE CASH SERVICES/EXPRESS)

CASE FILE #; ACS-CA03/171787

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $4203.86 against you, we request you to kindly pay the Court Restitution Amount which is $980.76. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

The principle amount was $300.00 and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of $300.00 goes up to $980.76.

To resolve this issue reply back on the same email.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Do revert back for any queries.

James Corden.

Sr. Investigation Officer.

(Department – Law & Enforcement)

(ACS Incorporation)

Collections & Legal Department.

This is the email sent to my email, I am a senior citizen, I never heard of this company nor have I ever taken out any loan from this place, I think they are trying to extract money from me

Tabitha –

Victim Location 29605

Type of a scam Debt Collections

From: "ACS INC"

Date: Mar 15, 2017 6:53 PM

Subject: RE : DEBT COLLECTION

To: "ACS INC"

Cc:

LOAN INFORMATION.

CUSTOMER ID #: 64821508

CASE FILE NUMBER: CASE NO: 3478845 DH-RU-AC-5511

COMPANY NAME: ACS INC.

PRINCIPAL AMOUNT: $500.00

PAST DUE AMOUNT – $780.98

We are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. You can repay it is not too late to restore your good standing!

We want to serve as your trusted financial resource in the future, but to do that; we’ll need to come to an agreement on the past-due balance.

If you believe you are unable to afford the payment options we have offered, contact us right away by email or If you would like to make a one-time final payment to settle your account, we can waive all fees and freeze the existing cash advance thus taking your balance down from $780.98 to accepting $500.00 as a one-time final payment today.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

(4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER

Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

And once you found guilty into the court house then you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney’s fees, and the interest charges. You have the right to hire an attorney. If you don’t have one or if you can’t afford then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department between 9.30 to 6.30 (EST) EMAIL US DURING WORKING HOURS (From Monday To Friday 09:30 AM to 05:00 PM EST)

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS

THE UNITED STATES OF ATTORNEY

David Smith,

Sr. Investigation Officer (Department – Law & Enforcement)

ACS INC.

Tasha –

Victim Location 76120

Type of a scam Debt Collections

Received an email stating that they were going to file a lawsuit for outstanding loan. Has docket number and police file number. Asking for 1 time payment or payment arrangements. Wants payments made with prepaid card

Ronald –

Victim Location 70090

Type of a scam Debt Collections

Recieved an email stating that this company has not been able to reach me in reference to a $2000+ debt demanding $965 . searched company as no other information was provided and saw to report info to BBB.

Timothy –

Victim Location 95205

Type of a scam Debt Collections

I was emailed by an "employee" claiming I owe money for a loan I never took out. They claimed that they would be taking me to court if I didnt pay them. I asked for a copy of the agreement I supposedly signed. All they could provide was my name, email, and amount due. I was also instructed to pay them using a prepaid card which I don’t even own.

Melanie –

Victim Location 91502

Total money lost $964.52

Type of a scam Debt Collections

Case File # : RN 83 (Rev. 1234704

I was contacted by ACS INC in September of 2016. They told me that I owed $2,873.81. We settled for $964.52 which I paid with gift cards. On February 2, 2017 I was contacted again by ACS INC telling me that I still owed $2,873.81.

Katherine –

Victim Location 33606

Type of a scam Debt Collections

Copy of entire email I received; of which I KNEW right off the bat was a scam from all the grammatical errors as well as the fact that I’ve NEVER taken out a payday loan before!!!

COLLECTIONS & LEGAL DEPARTMENT

Fair Debt Collection Practices Act (ACT-811)

FILE DETAILS

Case File # XXXXXX106_FL( U.S.C) AO 93 (Rev. 03/06162)

Amount Due-$565.36

Lawsuit Cost-$4526.65

Last Date-02/22/2017

Courthouse- US District Court FL.

File Transferred-February-2017.

Dear Debtor,

This is to notify you and requires your immediate attention.

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity,Company has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and S.S.N. In order to avoid a lawsuit of $4526.65 against you, we request you to kindly pay the Court Restitution Amount which is $565.36. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 30-45% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

This is an important letter and requires your immediate attention. Despite sending you several reminders, we have received no response from you about your seriously past due account. We feel we have given you ample time and have been more than patient with you.

We have repeatedly advised you of your long overdue balance but you have not made any payment we have turned your account over to our Attorney and instructed them to commence suit without further delay.

There is still time, however, to avoid lawsuit if you email us before the last date of lawsuit. this will be your final opportunity to resolve matters without the expense of court proceeding.

Kindly let us know your clear intention ASAP so that we can hold the case file else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

If we don’t receive your response on time then we will register Case against you at US District Courthouse and Lawsuit cost will be $4526.65.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED YOUR CREDIT REPORT.

Kindly email us ASAP so that we can resolve this matters outside the court otherwise we will have to file a lawsuit against you for $4526.65 in Local County Court.

Thanks & Regards,

(Department – Law & Enforcement).

Darrell –

Victim Location 83501

Type of a scam Debt Collections

From: ACS Incorp

Sent: Monday, February 20, 2017 11:37:32 AM

To: ACS Incorp

Subject: Arrest warrant I’d:- NV/51205PS/0551OCT which will be going to release on Friday,

February 2017

CASE FILE # WA/55B/95-38654

ADVANCE CASH SERVICES

408 W 17th St, Cheyenne, WY 82001, United States.

FINAL NOTICE FOR FAIR ACTION

Legal Charges-Section 19(A), Clause 21(US).

Case Format- Fair Debt Collection (FC/SC)

Dear Debtor,

As you are aware, you have a loan bill that remains unpaid. Your account remains seriously delinquent. You must make full payment now to avoid further collection action. After so many reminders, we can no longer believe that your failure to pay you owe is an oversight. We are disappointed that you have not taken the initiative to make reasonable arrangements to resolve your delinquent balance. If we have not received payment in full of the entire delinquent balance by today your file will be referred to our attorney for possible legal action. If you wish to avoid legal action against your name and social and the possibility of incurring court costs, attorney’s fees, and considerable inconvenience, all you have to do is to make a onetime settlement payment of $990.00 or discuss reasonable arrangements to do so. If this matter is not resolved by today, all further correspondence will need to be made through our attorney.

Kellie –

Victim Location 75149

Total money lost $600

Type of a scam Debt Collections

These people keep harassing and threatening me that I will be prosecuted and sent to jail if I don’t pay thousands of dollars in either ITunes Cards or other prepaid debit cards. They send me emails every day and time threatening me. They have somehow gotten my social security number and drivers license. I have asked them to stop several times, but they continue.

Lori –

Victim Location 60616

Type of a scam Debt Collections

We are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. You can replay it is not too late to restore your good standing!

We want to serve as your trusted financial resource in the future, but to do that; we’ll need to come to an agreement on the past-due balance.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

(4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS

THE UNITED STATES OF ATTORNEY

David Smith,

Sr. Investigation Officer (Department – Law & Enforcement)

ACS INC.

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Jasmine –

Victim Location 33157

Type of a scam Debt Collections

Dear Customer,

If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM t o 05:00 PM on reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

David Brown.

Investigation Officer.

ACS Incorp.

Collections & Legal Department

Marvin Choate Tue, Jan 10, 2017 at 8:35 AM

To: USA Legal Debt

Just please send me the ways to submit payments pay half now and the rest in 30 days

[Quoted text hidden]

USA Legal Debt Wed, Jan 11, 2017 at 9:52 AM

To: Marvin Choate

Marvin Choate,

We appreciate your good intentions in order to settle this account. The total outstanding balance on you name is $955.75. We have had word with our concerned department regarding your case file. You need to pay only $900.00 for this account. You can pay half payment of $450.00 by today, 01/11/17 and remaining in rest of 30 days.

PAYMENT INSTRUCTIONS:-

Now, we would like to tell you that as per our accounts department, in order to make this payment through a Money Gram or One Vanilla Prepaid Visa/ Master Card.

We will not charge any convenience fees if you make payment using the following methods:

* Money Gram which you will get at your nearest Money Gram store.

* One Vanilla Prepaid Visa/ Master Card which you will get at your nearest One Vanilla Prepaid Visa/ Master Card store.

Please understand this message is very urgent and requires your immediate attention.

Kindly confirm us what mode you would be using Money Gram or One Vanilla Prepaid Visa/ Master Card.

Your immediate attention to this matter will be highly appreciated. Do revert ASAP.

Thanking you,

David Brown

Sr. Investigation Officer

(Department- Law & Enforcement).

Mark –

Victim Location 83709

Type of a scam Debt Collections

On Tuesday, January 17, 2017 9:46 AM, ACS INC wrote:

FINAL NOTICE

Case File: ACSUSA-AL01/165481782

Balance Amount: $980.76

Case File Transferred to ACS: – JANUARY 2017

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, A.C.S has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $4203.86 against you, we request you to kindly pay the Court Restitution Amount which is $980.76. If you settle this matter today or tomorrow, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints is as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

Dear debtor, As we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested $980.76 to settle this case.

To resolve this issue contact us during the working hours 09:00 AM to 06:00 PM EDT reply back to this email to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department.

—————————— —————————— —————————— ———–

They contacted my ex-husband xxxx xxxx in Colorado, they contacted my step brother xxxx xxxx here in Idaho and also my parents xxxx and Sxxxx xxxxxx here in Idaho. When I asked them why they contacted my family and ex-husband they say that is the information I put down as contacts and its not their fault that I provided these names and numbers which I never did.

Jake –

Victim Location 83709

Type of a scam Debt Collections

See the email I received below they also called me from 855-692-4150 and 720-593-2745

On Tuesday, January 17, 2017 9:46 AM, ACS INC wrote:

FINAL NOTICE

Case File: ***

Balance Amount: $980.76

Case File Transferred to ACS: – JANUARY 2017

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, A.C.S has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $4203.86 against you, we request you to kindly pay the Court Restitution Amount which is $980.76. If you settle this matter today or tomorrow, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints is as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

To resolve this issue contact us during the working hours 09:00 AM to 06:00 PM EDT reply back to this email to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department.

—————————— —————————— —————————— ———–

They contacted my ex-husband Joseph Forte in Colorado, they contacted my step brother Scot Nelson here in Idaho and also my parents William and Sondra Claiborn here in Idaho. When I asked them why they contacted my family and ex-husband they say that is the information I put down as contacts and its not their fault that I provided these names and numbers which I never did.

Janet –

Victim Location 46347

Type of a scam Debt Collections

Harassing myself and husband for over a year stating we were listed as Contacts for a Shamika White & we would have to pay her debt if we did not give up her contact info through automated messages. Today received voicemail from Lynn Cooper from ACS with case # 282297 that I was also listed in the complaint & it was all recorded for legal purposes to use in litigation.

Lori –

Victim Location 21220

Type of a scam Debt Collections

egal action your account number 021C we are in a process to inform the (Social Security Administration & Major Credit Bureaus)

Inbox

ACS Incorp

9:36 AM (1 hour ago)

to bcc: me

This is in reference to let you know that Under the Federal Fair Debt Collection Act (Lawsuit) you are going to be legally prosecuted in the Court House within seven days at Palm Beach County Courthouse, West Palm Beach, FL 33401 against your name and SSN. After giving several notifications, we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & Major Credit Bureaus. Your SSN is put on hold by the US Government, so before the legal charges get really serious against you, we are notifying you about these legal charges.

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Very soon the case file will be downloaded against your name and social as after giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute.

1. This is our last warning to you, if we do not receive any response from your side within 24Hrs; your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $4206.00.

Do update us with your intention that you want to resolve this case or you want to dispute.

Do revert back for any queries

Thank you

Allen –

Victim Location 16323

Type of a scam Debt Collections

ACS Incorporation contacted me by email today threatening me with legal prosecution and putting my Social Security Number on hold with the United States Federal Government. They were asking for money, I did not give them any.

Shawna –

Victim Location 91304

Type of a scam Debt Collections

Hi,I am the attorney of the Acs debt collection.I have received your case file today From Peter Forrest. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

This Legal Proceedings Will be issued on Following Details

Debt Collection

Case file Transferred – February 2016

Due Amount- $1145.00

Police Case No-KM01001051CSA

Docket no: 0264 ACS

This e-mail is served to warn you regarding your allegation of CYBER CRIME-PCS-KM01001051CSA for defrauding internet banking.

Since we have sent you several notification and you are not responding for the payment you agreed to pay.

So, at last our POLICE DEPARTMENT are going to contact you in the evening very soon they will be at your doorsteps with warrant against you to arrest you.

We do apologies, we have tried to be patient and sensitive with your case file but now case is out off our hand and we are not able to help you any more.

We look forward to hearing from you. You can reach us on this email address 24*7 . NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.

Regards

Legal & collection Department

Direct Recovery Associates Inc. | Privacy | Terms of use

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

And we apologies that the Arrest Warrant Which you will receive in your next email positively.we will also send it to your current employer too. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $6300.00 and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact Peter Forrest on

[email protected]

So you have time to pay this debt back till Friday Mid night

Do Revert ASAP.

Thank You

Chris Finney

Attorney

ACS,Debt Collection

Note : This notice is provided to you on behalf of Cash Advance Inc. and its parent company , and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the "Cash Advance Related Companies," "we," "our," or "us").

The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. "You" or "Your" means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.

Summer –

Victim Location 33176

Type of a scam Debt Collections

The company threatened me with an arrest warrant for a pay advance from a company I never heard of. They stated I would need to contact a man right away to prevent further charges and arrange full payment. They left no phone numbers or addresses and there were misspelled words and grammatical errors.

Karen –

Victim Location 24019

Type of a scam Debt Collections

Advance Cash

to: Coley Randolph

date: Fri, Sep 2, 2016 at 9:11 AM

subject: Re: Lawsuit Court Notice

mailed-by: gmail.com

signed-by: gmail.com

encryption: Standard (TLS) Learn more

Advance Cash

9:11 AM (2 hours ago)

to me

Dear Coley,

This is reference to remind you that the loan amount that you took with the company under your e-mail

[email protected], SSN and also would like to mention your computer’s IP address was also traced when you were signing the contract with the company. The Company has more than 14 technical evidences in order to prove the money was successfully deposited into your bank account.

This is Advance Cash Services is the parental company which owns & operates all the payday loan websites like CASH NET USA, CASH AMERICA, SPEEDY CASH & 500 CASH ADVANCE etc.

The initial amount goes up to $925.00 due to late fine fees,rate of interest and taxes,But if you pay $550.00 today instead of whole amount for $925.00 then we will close this case file permanently outside the courthouse with this amount only.

If you don’t take this matter seriously we will proceed for filling case file against you, The lawsuit cost of $2873.81 you have to pay in the courthouse.

Kindly let us know your intention regarding this case file so that we can proceed

Thank you

Regards,

Shawn Johnson?

Derrick –

Victim Location 37211

Type of a scam Debt Collections

Received this email in my SPAM folder and not my inbox:

Company Name: AMERICAN ADJUSTMENT BUREAU

Total Outstanding: – $1206.00

Dear:

S.S.N:

Address:

This is in reference to your account with AMERICAN ADJUSTMENT BUREAU It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Advance Cash Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.

As you are aware, you have a small pay day loan bill, which is unpaid. We have done everything possible within reason to collect the money, you owe from us. We have decided that unless you make immediate plan to repay us this money, we will write this debt off our books and claim it as “bad debt loss” to IRS.

Now you must be thinking that you authorized us to take out the borrowed amount back from you while taking the loan, yes you authorized us, but when we tried to extract the funds from your account it went declined all the time. We tried to contact you but never got any response.

*Do you know that Check fraud is a violation of the broader category of USA’s fraud offenses and is punished as a crime of forgery?

*Do you know that any money you owe from a financial institute and don’t pay is legally declared as “additional income” for you or your business during the year in which you incurred the debt?

* Do you know this is VIOLATION OF FEDERAL BANKING REGULATION?

If we decide to write off this debt, we will use IRS form 1099-A which will show the IRS that the $1206.00 became income for you and bad debt for

Please, for your sake pay this bill by contacting AMERICAN ADJUSTMENT BUREAU to set up some type settlement plan for you. If we have not heard from you within 24 hours of the date of this e-mail, we will submit your documents to the IRS to initiate action and if this happened, you have to pay additional $3589.86 and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.

If you want to clear this debt or looking for a settlement than contact us immediately thru Email during working hours (9:30 AM to 06:30 PM EST)

Sincerely,

Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill?

It seems this company is "spoofing" their true email because I called the company and they have no information on me. Please investigate this.

Katrina –

Victim Location 70811

Type of a scam Debt Collections

On Mar 18, 2016 9:38 AM, "Ace Incorporation" wrote:

CASE FILE #: Credit Bureau/USA– ***

Balance Amount: $980.76

Date- March 18th 2016

Case File Transferred to ACS: – March 2016

LEGAL NOTICE

Dear Debtor,

Talking about the creditor Advance Cash Services ACS is the parent company which owns and operates more than 350 parental payday loan websites, CASH NET USA, Speedy Cash, CASH AMERICA & 500 CASH ADVANCE PAYDAY MAX, 2-MINUTE PAYDAY LOANS etc. You applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intention about this matter.

The principle amount was $300.00 and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of $300.00 goes up to $980.76.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

We are going to file a lawsuit at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After several notification we didn’t receive any payment and also didn’t get positive response from your sides, this is the reason we will have to download a case file against your name and social. Once you found guilty into the court house then you have to bear the entire cost for this law suit $2285.76 which is excluding loan amount, attorney’s fees, and the interest charges. You have the right to hire an attorney. If you don’t have one or if you can’t afford then one will be appointed to you. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you; kindly update us ASAP so that we can proceed.

NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS , THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation .

Do update us with your intention that you want to resolve this case or you want to dispute.

If you wants to resolve this matter then we have settlement amount for you;

1. If you can pay the amount which is $410.00 by today then we can close your case file with this amount only.

2. If you are looking for bi-weekly payment then you have to pay total amount of $450.00 with payment arrangement and you can pay $225.00 bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay total amount of $480.00 with payment arrangement and you can pay $240.00 monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account.

Once you will pay off the balance thereafter we will provide you a Payment Receipt stating that your account has been paid in full with ZERO balance and you are no more debtor for the company, your name and SSN will be removed from the Major Credit Bureau.

Do Revert ASAP.

Tony Jackson.

Sr. Investigation Officer.

(Department – Law & Enforcement)

(ACS Incorporation)

To resolve this issue kindly reply back to the same email during the working hours Monday to Friday 09:00 AM to 05:00 PM EST .

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Katherine –

Victim Location 79029

Type of a scam Debt Collections

CASE FILE #: Credit Bureau/USA– MO-34898589

Balance Amount: $955.75

Date- August 2nd, 2016

Case File Transferred to ACS: – August 2016

Subject: Notice of Legal Proceedings against fraud activity.

Dear Customer,

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM t o 05:00 PM on reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Mark smith.

Investigation Officer.

ACS Incorp.

Collections & Legal Department

Caroline –

Victim Location 10467

Type of a scam Debt Collections

This company continuously sends me Threatening e-mails demanding monies on a loan that I never took out

This is becoming harrassing .take a look at it.

This e-mail is served to warn you regarding your allegation of CYBER CRIME-*** for defrauding internet banking.

Since we have sent you several notification and you are not responding for the payment you agreed to pay.

So, at last our POLICE DEPARTMENT are going to contact you in the evening very soon they will be at your doorsteps with warrant against you to arrest you.

We do apologies, we have tried to be patient and sensitive with your case file but now case is out off our hand and we are not able to help you any more.

We look forward to hearing from you. You can reach us on this email address 24*7 . NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.

Regards

Legal & collection Department

Direct Recovery Associates Inc. Privacy Terms of useCash Advance has decided to mark this case as a flat refusal and press legal charges against you.

This Legal Proceedings Will be issued on Following Details

Debt Collection

Case file Transferred – February 2016

Due Amount- $1145.00

Police Case No-***

Docket no: 0264 ACS

You can’t contact this Business they leave no contact number!

Kurt –

Victim Location 49508

Type of a scam Debt Collections

FILE DETAILS

Amount Due: 675.45

File#QB-060515

File Transferred-August 2016

Last Date To File- August 18th 2016.

Dear Debtor,

1. We feel there is no recourse but to put your account in the hands of our collection agency

2. This action will affect your company’s credit rating

3. We may also report this to the I.R.S. as “bad debt loss” with form 1099-A if payment is not received

Note- Please Email us immediately to avoid further action. Otherwise, payment options are set out overleaf or email us right now to pay or agree to a payment plan with us.

Regards,

Richard Brown

(Collection Department)

ACS Inc.

Wendy –

Victim Location 06514

Type of a scam Debt Collections

i was sent a email that i am going to lose my job and be blacklisted for not paying a pay day loan in the amoutn of 978.65. I never recieved any money from this organzation and can show proof from my bank statements. The creditor it says is Ace Cash Services. The Case File: acs-927864. It says they want to settle the account for 400.00. It was sent to me by Martin Cooper from ACE CASH SERVICES- HEAD BRANCH OFFICE.

Barbara –

Victim Location 89142

Type of a scam Debt Collections

I keep receiving emails that I owe money and they are trying to settle with me. I asked for proof of the claim and they said no.

I rcvd an email on 7/20/16 case file# ACS/*** *** stating I need to pay 965.75 to avoid a lawsuit of 4203.86. On 7/22/16 I responded to the email asking for proof of claim. On 7/26/16 they emailed me that they could not provide me proof of claim but would send me a 2 page legal document to sign and once paid they will send me a receipt. On 7/26/16 I emailed them that I filed bankruptcy and to again provide proof of the claim. On 7/27/16 I received another email with an account and routing number (*** for *** *** Federal CU asking to deposit 320.00 by Friday 7/29/16 as a one time settlement offer otherwise they can’t hold my case file. On 7/27/16 I sent another email stating I feel this is fraud and I’m not paying anything until I get proof. On 7/27/16 they emailed me again stated since I am not interested in settling the case they are filing a lawsuit against me in 72 hours at US District Court 99 E Bro ward Blvd #108, Fort Lauderdale, FL 33301 in the amount of 3203.86 and report my SSN to the social security administration and major credit bureaus. I called the number they provided 904-301-6024 and it just rings about 12-15 times and goes to fast busy. They have not provided a physical address. The email address they are emailing from is [email protected] The person who is sending the email name is Liam Smith and he references me as Dear Debtor. I have a Co-Worker who received the exact same emails with different dollar amounts and the number he was told to call was 904-302-6024 and his was signed by Shane Philips.

Desiree –

Victim Location 78626

Type of a scam Debt Collections

Threatening email scam for an amount owed, with no other information provided.

I received an email this morning stating I owed over $900 and if I didn’t contact them, I would have someone at my doorstep with court papers for a lawsuit within the next day or two. That it would become a $3000+ dollar issue at that point. I hadn’t received any other correspondence from this ACS Inc, so I know this is a scam. There is no phone number within the body of the email, so I couldn’t contact them myself. All the numbers I’ve looked up on line are not longer working numbers.

Valerie –

Victim Location 61012

Type of a scam Debt Collections

They say I owe for a loan I never took

They call all the time and send threatening emails like the following …sclogosm.png

CREDITOR: Speedy Cash (Adv. America)

CASE NO: ***

ATTENTION : *** ***

AMOUNT OUTSTANDING: $874.33

This Legal Proceedings issued on your Docket Number NR/B-64356499 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

We have sent you this warning notification about legal proceedings on December, 2015 but you failed to respond on time now it’s high time if you failed to respond in next 2 HOURS so we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict against you. Your salary and all your wages will be garnished.

Do revert back if you want to get rid of these legal consequences so make a payment today or else we would be proceeding legally against you and we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

You can Email back to get the payment mode too.

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to $7456.79 and it will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.ATTENTION : LISA BALL,

TERMS & CONDITIONS YOU AGREED

By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN CONTACT TO OUR SETTLEMENT DEPARTMENT FOR SETTLE YOUR CASE: – [email protected]

Sincerely,

Veronica Davis,

Speedy Cash (ADV.AMERICA)

Montclair CA, 91763

I want them to leave me alone. They are fraudulent. I did not

receive a loan from them.

Linda –

Victim Location 10604

Type of a scam Debt Collections

I have received emails and phone calls from this number claiming that I owe money from a payday loan and will be brought to court if I do not pay.

Most recent email was received today (7/18) with a case number of ** ** *** ***). They claim I owe them $2873.81 but they will settle for $964.52 if I send them a promissory note today. I do not owe any money to this company. I often receive similar calls from other numbers and am not sure if they are related.

Jared –

Victim Location 60073

Type of a scam Debt Collections

Threatening emails and phone calls. We have NO accounts or anything in collections.

Email address these threats are coming from is:

[email protected]

Case No. in email: ***

Phone # in email is: 916-382-8087

Trying to contact: Mr./Mrs. Carlos Martinez

My husband was part of identity theft from Orange County California. The issue was resolved last year. It was the wrong *** ***. We have never nor has he lived in California!

Amber –

Victim Location 91763

Type of a scam Debt Collections

They keep email me i did one of these complaints before they keep harassing me sending me emails saying I owe this money

Supposedly pay day loan

Claire –

Victim Location 02910

Type of a scam Debt Collections

Company sent shady email about debt I don’t owe. Claiming to be ACS, Baker & McKenzie Law firm and UNITED STATES OF FEDERAL MANAGMENT all in one email

Adam White contacted me via email from email [email protected]

CASE FILE #: BN12911E

PAST DUE AMOUNT – $980.00

CREDITOR – ACS INC.

The email was illegal and threatening federal and state legal action and contacting everyone I know. I am pretty sure this is FRAUD, but wanted to report it so you could catch them! I am happy to include the email.

Krista –

Victim Location 87505

Type of a scam Debt Collections

Threats and Court case number for a NY court.

Threatening emails stating that I owe money to a payday loan company. They would not give me the information to prove that It was on the up and up. They demanded money wanting me to give them my banking information and address. Which they did not receive any. Payment options were to send the money per Netspend card or a Paypal master card. Only two options they would give me. So I decided to do a little research to see if this company was a scam artist before I sent any money because I did not remember obtaining any money from the company’s he was quoting that I had borrowed $300 from. Now wanting over $1200. but would settle for $325.53 and would take $20 off for settling immediately making that a total of $305.53. I am not real sure of the address because all they send me is emails from the email address of [email protected] Man’s name is supposedly David Smith Sr. Investigation Officer (Collections & Legal Department) ACS INCORPORATION.

Theresa –

Victim Location 34953

Type of a scam Debt Collections

Keep harassing me saying I owe them money and the eating me.

ACS INC

Important Note: This is an automated system generated notice based on customer’s records.

This Legal Proceedings is issued on you Docket no: #VS 841/G24/913 with one of ACE CASH EXPRESS Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of ACE CASH EXPRESS have decided to mark this case as a flat refusal and press legal charges against you.

CASE NO: #VS 841/G24/913

TOTAL OUTSTANDING BALANCE: $832.63

We have sent you this warning notification about legal proceedings in January 2016 but you failed to respond on time now it’s high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished.

So, we are just giving you a last chance that if you just make a payment by today or tomorrow then we will close this account as paid in full with zero balance.

We do hope that you will work out with this offer which is of:

SETTLEMENT AMOUNT – $351.00

Do revert back if you want to get rid of these legal consequences and make a payment arrangement by today or else we would be proceeding legally against you.

And we apologies that this notification will be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

You can Email back to get the payment mode too.

Note : This notice is provided to you on behalf of ACE CASH EXPRESS and its parent company , and their respective family of companies including ACE CASH EXPRESS, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the "ACE CASH EXPRESS Related Companies," "we," "our," or "us"). The ACE CASH EXPRESS Related Companies include, but are not limited to: ACE CASH EXPRESS, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names ACE CASH EXPRESS, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money tree, Egg loans, Check cash Loan, Quick Payday, Personal ACE CASH EXPRESS, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Pay check Today, Payday OK, Cash Central Loans, Cash Net 500,CashNet USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ezmoney Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. "You" or "Your" means you as a participant in or as a user of the products and/or services offered by ACE CASH EXPRESS Related Company.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY THIS EMAIL DURING WORKING HOURS BETWEEN 9:00 AM TO 7:00 PM (EST)

Misty –

Victim Location 32309

Type of a scam Debt Collections

I have been threatened and harassed by this company for two years for a debt I do not even owe. I asked them to quit calling my work# and they won’t email me and daily calls to my cell phine

Stefanie –

Victim Location 60073

Type of a scam Debt Collections

July 7th,2016.

ACS Inc.

1616 E March Ln,Stockton,

CA 95210

Outstanding: $890.00

Settlement Amount: $650.00

Tax ID: ***

Case File No: MS 5807216

Dear Debtor,

As we didn’t receive your payment so, we are going to file this case tomorrow at your district courthouse, to know the courthouse kindly visit http://www.uscourts.gov/court-locator with your zip code. You will be served with a notice to appear at your district courthouse in next seven business days.

If you have an attorney or you have filed bankruptcy after to January 2015, then you can resolve this case mutually then contact directly Ace Cash Services (Harry Faukner) at [email protected]

You can know and verify our company with the Tax ID which is 17521429633.

You can still avoid this case by making a payment towards your total outstanding or else this case file will be executed as mentioned.

If you want to resolve this case mutually then contact directly to company on +1 209 790 3900 or back on this Email between 9:00 AM to 5:00 PM EDT (Mon-Fri)

Best Regards.

William Carlos(Legal & collection Department)

ACS Inc.

Linda –

Victim Location 70119

Type of a scam Debt Collections

They are sending very threatening emails about me having an arrest warrant and police showing up at my doors. About calling my job and trying to have me fired. The amount keeps changing.

Aaron –

Victim Location 89701

Total money lost $200

Type of a scam Debt Collections

hi they try to get money from me they said I owe money and they will take me to court and block my soc sec number I do not no want to do keep sending me emails about this

Kimberly –

Victim Location 91763

Type of a scam Debt Collections

they email saying that this a legal proceeding issued on you docket# for a cash advance inc company

they want me to pay them a total of $964.52

they said i have 48 hours to pay the money if i dont get the money sent to them asap there will be lawsuit against me and they been sending alot of email at 1st i was worrie so i sent email back to them saying i dont have that kind of money and they said that they will the right to get into my employer to get info on me regarding this issues and the next step they said would be court and i would have to pay a total of $2473.90

that will be totally upon me anf i will have to pay the attorney charges to also said that someone from the local county sheriff dept will be at my house to summons me at my door step

so i would like to know what we could do on this matter please can someone please get back to me

thanks you

Valerie –

Victim Location 35758

Type of a scam Debt Collections

On 06/03/16, I received an email from [email protected] that detailed a debt that I supposedly owe and demanded payment for said debt.

The email was obviously a scam and therefore I did not proceed to pay or provide any personal information. I did respond to the email and asked the "company" to send any information regarding the debt to my physical address on file.

I received a response from David Johnson claiming to be from ACE Corporation from the same email address as above. He stated that his company was seeking to close my debt and that he could offer to settle the debt for less than the original debt.

I again responded asking him to send the information to my physical address.

Mr. Johnson then proceeded to send another email threatening legal action.

Company also goes by Ace Cash Services.

I have sent copies of the original email to the FTC and to my email providers phishing report address. I can provide copies of the emails if desired.

I am not looking for you to contact the company because I know it is an obvious scam. I am just wanting to inform you of this so that you can let others know about the scam.

Carly –

Victim Location 32233

Type of a scam Debt Collections

Case File #: Credit Bureau/ ***

Balance Amount: $964.52

Case File Transferred to ACS: – June 2016

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

·Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.If we don’t receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $2873.81.

Yours sincerely

Collections & Legal Department

+1-7163939253 ( Office )

Karl –

Victim Location 01913

Type of a scam Debt Collections

Hello BBB

I Recieved this email today from ASC INC. I found a complaint on the ScamPulse.com website and im sending you this so it can be added to the list of complaints about said company.

CASE FILE #: Credit Bureau/USA– MO-***

Balance Amount: $955.75

Date- May 27th 2016

Case File Transferred to ACS: – May 2016

Subject: Notice of Legal Proceedings against fraud activity.

Dear Customer,

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM t o 05:00 PM on reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Mark smith.

Investigation Officer.

ACS Incorp.

Collections & Legal Department

Louis –

Victim Location 98042

Type of a scam Debt Collections

I received an email about a court case file RL94 (Rev 0516424) with a balance of $965.76 unpaid collection to Cash Advance Inc.

In this email ACS claims there is a legal proceeding against me concerning a loan I supposedly took out with Cash advance and owe $965.76 and if I fail to respond within the next 48 hours they will register the case in court.

They claim they have tried to contact via phone with no response. There is no account number, no store info of where this loan supposedly took place, etc. No information given at all in regards other than legal proceedings will take place .

MANAGER ACS

10:52 AM (3 hours ago)

to bcc: me

FINAL NOTICE

This Legal Proceedings issued on you Docket #: 5164 with one of Cash Advance Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.

Case File # : RL 94 (Rev. 0516424)

Balance Due : $965.76

Already we have sent you several notification but you failed to respond on time. Now it’s high time, if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict action against you. Your salary and all your wages confiscated.

We will be forced to proceed legally against you and once it is proceed the creditor has entire rights to inform your employer and your references regarding this issue and lawsuit will be the next step which will be amounting to $2473.90 and will be totally levied upon you and that would be excluding your attorney charges.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Kindly let us know your clear intention by Today onwards so we can hold the case file else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

Note: This notice is provided to you on behalf of Cash Advance Incorporation and its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International Inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as ”Cash Advance Related Companies," "we," " our," or "us"). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade name Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash Money tree, Egg loans, Check cash Loan, Quickly Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, Fast Cash, Cash Net USA, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500, Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Cash America Net, Cash America, Cash America Pawn, Cash land, Super Pawn, Cash America Payday Advance, or any company-owner Mr. Payroll locations. "You" or "Your" means you as a participant in or as user of the products and/or services offered by Cash Advance Related Company.

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS, LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.

Do revert back if you want to get rid of these legal consequences and make a payment arrangement Today or we would be proceeding legally against you.

To resolve this issue contact us during the working hours Monday to Friday 09:00 AM to 05:00 PM

Garrett –

Victim Location 49014

Type of a scam Debt Collections

Received a threatening email claiming to take action against me for a random amount $964.52 representing a payday loan company. I have had a payday loan, all have been paid and dealt with directly by the company. There is general verbiage in the email and it says we’ve sent you to court and started legal proceedings, etc. Other search results seem to me that this company is a scam.

Marc –

Victim Location 41006

Type of a scam Advance Fee Loan

They keep calling my phone for my BOYFRIEND that "owes" student loan Debt, one how did they even get my number we are not married, he paid his college out of pocket so I know its a scam, they repeatively call my cell phone never my boyfriends so I decided I would call them off my work phone (I am currently filling in for a lady that is out I have no records of working here either) the person answered the phone and said thank you *** *** for calling us back we need to talk about your student loan debt. which is funny bc *** *** never has been to college she is 60 years old but yet they tried to perceed that she owes them money. you really need to shut these people down before someone falls for it an gives them their personal information. they said their agency is called ACS and when I said I was going to report them to this site they laughed and said good luck. so….

Shawn –

Victim Location 11428

Type of a scam Debt Collections

they said I could face up to 3 years in jail if I didn’t give them $952

Case File# ***-SC

Last Date to File Lawsuit- May, 2016.

Cost of the Lawsuit- $952.44

Courthouse Address-NYC Civil Court(89-17 Sutphin Blvd, New York, NY 10038).

Legal Charges-Section 19(A), Clause 21(US).

Case Format- Fair Debt Collection(FC/SC)

Due Amount-$952.00

Taryn –

Victim Location 34203

Type of a scam Debt Collections

Have received two emails from this company requesting immediate payment. Stating this is a fraud case that I received money

Emails I have received

Account No: ***

Balance Amount: $964.00

Case File Transferred to ACS: -May 2016.

Dear Customer,

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-

Attachment of Earnings base (Earnings Arrestment). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.

Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.

The Factual Basis for the complaints is as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

*** ***

May 13 (3 days ago)

to Collection

Have no idea what this is. I need more information about the aforementioned debt before I pay anything.

Collection Recovery May 13 (3 days ago) *** ***, This is ACS (Ace cash services), it is a parent company which…

*** ***

May 13 (3 days ago)

to Collection

I, *** *** never took out a loan not received any funds from this company Please provide proof

Then today 5/16/2016, received the exact same email. I again replied I have not taken a loan nore received any money. Again, I asked for proof of this as I am not paying or agreeing to pay without proof.

Billy –

Victim Location 91342

Type of a scam Debt Collections

Have sent me numerous threading emails that they are going to report me to my employer to garnish my wages and send me to court and have me arrested

Have sent me numerous threading emails that they are going to report me to my employer to garnish my wages and send me to court and have me arrested, I have replied to their emails but will not give any kind of information they just tell me to pay them or else I go to jail.

Brittany –

Victim Location 33596

Type of a scam Debt Collections

I HAVE RECIEVED THREATNING EMAILS ABOUT COLLECTIONS STATION THAT I HAVE 5 HRS BEFORE POLICE COME TO MY DOOR AND THAT I NEED TO FOLLOW WHAT THEY SAY.

LEGAL PROCEDINGS ISSUED FOR DOCKET NUMBER ISC 348092 WITH ONE OF CASH ADVANCE INC. COMPANY IN ORDER TO NOTIFY YOU THAT AFTER MAKING CALLS TO YOU ON YOUR PHONE NUMBERWE WERE NOT ABLE TO GET A HOLD OF YOU.SO THE ACCOUNTS DEPARTMENT HAS DECIDED TO MARK THIS CASE AS A FLAT REFUSAL AND PRESS LEGAL CHARGES AGAINST YOU.

AMOUNT: $740.00

WE HAVE SENT YOU THIS WARNING NOTIFICATION ABOUT LEGAL PROCEDINGS BUT YOU FAILD TO RESPOND ON TIME.RESPOND IN NEXT TWO HOURS WE WILL REGISTER THIS CASE IN COURT. CONSIDER THIS AS A FINAL WARNING.

Andres –

Victim Location 53402

Total money lost $2,000

Type of a scam Debt Collections

Got an email saying this was a "LEGAL NOTICE" and that I owed $650.67. If I didn’t pay, I would be taken to court and forced to pay $4447.25. If you google ACS Incorp, it shows a LOT about scams and seems like NOTHING is being done about it!!!

They got me before with this and hacked my bank account, wrote over $2000.00 worth of checks in my name!

Christie –

Victim Location 17901

Type of a scam Debt Collections

they sent me an email requesting money or a lawsuit would be filed. No number

I got an email on 5/10/16 that ACS Inc would file a lawsuit on 5/11/16 against me if I don’t pay the amount owed 556.34 and the lawsuit would cost 5825.36. And they would contact the Social security Administration

Kaitlin –

Victim Location 21075

Type of a scam Debt Collections

ACS INC threatening email.

Received an email from ACS INC stating that they are representing a collection agency to collect a debt. Threatened to contact my employer to garnish my check.

Blake –

Victim Location 39208

Type of a scam Debt Collections

ACS and ACE keep emailing stating that I owe them money and I don’t. I have called office in California and they state I owe nothing.

These people keep emailing me and threatening to send police after me, call my job, ruin my credit and so forth. I am tired of the constant emails. I get different emails with different amounts stating that they want payment by iTunes card or reloadit pack.

Brandi –

Victim Location 92262

Type of a scam Debt Collections

Threatening to seize by bank accounts

Company is saying I owe 300.00 and if I dont settle its going to cost 2800, I blown away, who is this from? They are going to report to FBI, and seize my accounts by the credit buearus in the next seven days. Who does this anyways? There is nothign valid about this letter, and it starts with Dr.Debtor (so I guess they dont know who they are sending it to, to threaten?

Hannah –

Victim Location 85142

Total money lost $800

Type of a scam Debt Collections

Acs inc / us cash advance will email you arrest warrants.

Gloria –

Victim Location 75056

Type of a scam Debt Collections

I received an email from someone claiming to be with ACS, incorporation saying that they were going to file a lawsuit against me for not paying off a loan. I don’t remember ever taking out a loan I did not pay. The email did not have correct punctuation or grammar. It also did not have any company logos that are usually present on such emails. They also threatened that a court summons would appear at my residence and I would have to pay court costs of an amount above $3,000.

Chad –

Victim Location 35405

Type of a scam Debt Collections

Received email stating:

ACCOUNT# VI_XXXXXX

LOAN/DEBT INFORMATION

OUTSTANDING AMOUNT $650.67

LOAN COMPANY/LENDER – ACS INCORPORATION

We are here by to inform you that you are going to be legally prosecuted in

the Court House within couple of days. Your SSN is put on hold by US

Government, so before something goes wrong we would like to notify you

about this matter.

It seems apparent that you had chosen to ignore all our efforts to contact

you in order to resolve your debt with your Payday Services. At this point

you had made your intentions clear and leave us no choice but to protect

our interest in this matter.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST

YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION *

(2) COLLATERAL CHECK FRAUD *

(3) THEFT BY DECEPTION *

If we do not hear from you within 48 hours of the date on this letter, we

will be compelled to seek legal representation from our in-house attorney.

We reserve the right to commence litigation for intent to commit wire fraud

under the pretense of refusing to repay a debt committed to, by use of the

Internet. In addition we reserve the right to seek recovery for the balance

due, as well as legal fees and any court cost incurred.

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.

As we have shared with you in previous letters, read your loan agreement;

the next step is clearly defined. It could cost us both a great deal of

time and money; you can avoid this by taking care of this now.

The opportunity to take care of this voluntary is quickly coming to an end.

We would hate for you to lose the option of resolving this before it goes

to the next step which is a Lawsuit against you, but to do so you must take

immediate action.

If you want to resolve this case than kindly respond back through Email.

If you do not take immediate action:

We will be forced to download this case against you and once it is

downloaded the creditor has entire rights to inform your employer and your

references regarding this issue and the law suit will be the next step

which will be amounting to $4447.25 and will be totally levied upon you and

that would be excluding your attorney charges and the due amount pending on

your name.

Thanks for being our customer,

Regards,

ACS INCORPORATION

>—————————————————————————-…⇄ /

Confidentiality Statement & Notice: This email is covered by the Electronic

Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the

use of the individual or entity to which it is addressed. Any review,

re transmission, dissemination to unauthorized persons or other use of the

original message and any attachments is strictly prohibited. If you

received this electronic transmission in error, please reply to the

above-referenced sender about the error and permanently delete this

message. Thank you for your cooperation.

Leonard –

Victim Location 46368

Type of a scam Debt Collections

The company called ACS Company (parent company to various payday loan organizations) is trying to scam me by threatening by law suit for alledged fraudulent paydoy loans. The threat included court proceedings, fraudulent criminal charges, etc. totaling the amount of $2,285.76. I have nver heard of, nor have done business with this organization.

Kristopher –

Victim Location 62629

Type of a scam Debt Collections

ACS claims I owe them money. Used my email, had bank info and SS of a family member. Rude! ‘Gonna take you to court’

Adriana –

Victim Location 90731

Type of a scam Debt Collections

Been getting harassing emails about a payday loan that i owe but have not actually taken out this loan demanding i pay our they will sure me in court and garnish my wages and threaten to send this to my employer

Rose –

Victim Location 16146

Type of a scam Advance Fee Loan

I have received numerous emails from ACS Inc..regarding a loan I supposedly got and took out and are asking me to repay but will not give me any information on the loan company and asking me to send them payment in the form of a prepaid card to them. Used a name of David Massey in the top of the email.

Louis –

Victim Location 35222

Type of a scam Advance Fee Loan

persons are contacting me saying I owe them fees for loans I took out they dont have any of my contact infomation and has persistently asked for money in only forms of PREPAID CARD, GREEN DOT OR MONEY ORDER ….NO LETTERS NOR PHONE CALLS HAVE BEEN MADE TO ME ABOUT IT

Adrian –

Victim Location 93306

Type of a scam Debt Collections

I received an email saying I owed money and needed to pay and contact the office within 24 hours and if I didn’t so I would get sued and I would have to pay lawyer fees

Shane –

Victim Location 99022

Type of a scam Debt Collections

———- Forwarded message ———-

From: "ACS INC" <[email protected]>

Date: Feb 23, 2016 3:38 PM

Subject: lawsuit

To: xxxxxx

Cc: LEGAL NOTICE

Dear Debtor,

The principle amount was $300.00 and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of $300.00 goes up to $980.76.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

This is our last warning to you; kindly update us ASAP so that we can proceed.

If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation.

NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS, THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

Do update us with your intention that you want to resolve this case or you want to dispute.

Do revert back for any queries.

If you wants to resolve this matter then we have settlement amount for you;

1. If you can pay the amount which is $410.00 by today then we can close your case file with this amount only.

2. If you are looking for bi-weekly payment then you have to pay total amount of $560.00 with payment arrangement and you can pay $280.00 bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay total amount of $630.00 with payment arrangement and you can pay $210.00 monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do Revert ASAP,

Steven Hall.

Sr. Investigation Officer.

(Department – Law & Enforcement)

(ACS Incorporation)

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Julie –

Victim Location 93535

Type of a scam Debt Collections

Email stating they will download lawsuit and freeze all my accounts and report me to social security administration if I do not pay right away. I never received such a loan from a place called ACE Cash services or ACE Cash Express.

Anne –

Victim Location 56468

Type of a scam Debt Collections

I received the attached email from a company called "ACS Inc." which is reporting that I owe them $2873.81, but they are willing to settle out of court if I immediately send them $964.52. I have never heard of "ACS Inc." and do not owe them anything.

Sean –

Victim Location 31419

Type of a scam Debt Collections

From: ACS DEBT

Date:01/13/2016 9:33 AM (GMT-05:00)

To: ACS DEBT

Subject: Case File:KL-34898513; Subject – Lawsuit

LOAN INFORMATION

CASE FILE #: KL-34898513

DUE AMOUNT – $986.63

File Transferred-January 2016

Dear Debtor,

As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that’s the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.

We regret that if we do not receive your response within the next 12 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately 3025.86.

AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer

· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt

The Factual Basis for the complaints is as follows:-

You agreed to return the funds from the aforementioned income advancement as per contract.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract

If you want to resolve this matter then email us immediately during working hours. (Monday to Friday 9.30am to 5pm EST) reply back to this email us right now to pay or agree to a payment plan with us.

NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

ACS LEGAL | Privacy | Terms of use

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message

Blake –

Victim Location 39212

Type of a scam Advance Fee Loan

Saying that I have a loan that I never paid back and was deposited into an account that I never had and is telling me if I pay the 728 this can be resolved.

Valerie –

Victim Location 92509

Type of a scam Debt Collections

I recieved a email from ACS which I’m pretty sure I dont know what type of business it is . But they have sent me this email twice this week .

Customer ID#BS:1811015

Past Due Amount – $935.76

Dear Debtor,As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that’s the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.We regret that if we don’t receive your response within the next 12 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately 3025.86.

AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION(2) COLLATERAL CHECK FRAUD(3) THEFT BY DECEPTION

If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-

· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt.

The Factual Basis for the complaints is as follows:-You agreed to return the funds from the a fore mentioned income advancement as per contract.And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.At present, ACS INC is seeking either of the following remedies:-All funds to be returned as per terms of initial contract

Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentions.If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us (601-890-0056) or email us right now to pay or agree to a payment plan with us.NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.

Jenna –

Victim Location 46802

Total money lost $100

Type of a scam Debt Collections

Contacted via email stating that they are with ACS parent company to Ace check cashing. Stated that I had an unpaid payday loan from 2013. Had my name, address, ssn, phone number, everything. Stated that with fees and interest t he amount was over $4000.00. If I did not pay or make arrangements I was going to be federally prosecuted for check fraud. Stated that all of my accounts would be seized and all personal property would be seized. Had about 20 emails back and forth. Stated they would settle for $600.00 Finally made arrangements, made one payment and two days later received another email stating that the arrangements had been cancelled and I had to pay $300 or I was going to court. At that point I check my account and realized that an international fee had been charged to a payment that should have been made within the us. I now have everything frozen, filed police reports etc.

Ruben –

Victim Location 89173

Type of a scam Debt Collections

The company says its acs incorporation but the name on the subject is pcs and the guy’s name is John Harris. They threaten you with jail time and more. They don’t even put the right info for the courthouse they say they will report you to.

Tristan –

Victim Location 88590

Type of a scam Debt Collections

Case File Number-US-02851006-SC

Last Date To File Case-October 26th 2015.

The Cost of Lawsuit-$3203.86.

Court House Address-United States District Court 500 Pearl Street, New York, NY 10007.

Dear Debtor,

We are going to file a lawsuit in next 24 hours at United States District Court 500 Pearl Street, New York, NY 10007 against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute.

We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you; kindly update us ASAP so that we can proceed.

Do update us with your intention that you want to resolve this case or you want to dispute.

Kindly Co-operate with us so that we can close this case file outside the courthouse ASAP. Once this case file is downloaded we won’t able to help you out.

Thank you,

ACS Incorporation.

Keith –

Victim Location 33302

Type of a scam Debt Collections

Here Plaintiff

ACS(Legal Department)

804 W Highland Ave, San Bernardino

CA 92405

Defender,

We are hereby informing you that my client ACS is going to file a legal case against you at District Court. Your total outstanding with late charges, interest charges and attorney charges has been reached to 986.67 which is more than enough to file a lawsuit. As advised by my client, I hereby giving you a notice before filing this case.

Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with company. In addition, you are incurring additional expenses to yourself and to us.

Be notified that documents are being prepared for the issue of summons regarding the above debt.

JUDGEMENT in this matter may lead to:

(a) Additional legal Costs being Charged.

(b) Entry on the COURT JUDGEMENT REGISTER making it difficult

to obtain future Credit

FAILURE to make payment after judgement of Court lead to:

(a) Seizure of assets by a Court

(b) Attendance in Court for an Oral Examination regarding assets, liabilities,

Income and outgoings

(d) Bankruptcy or liquidation

You will receive a legal notice at your address within next 7 business days if this case remain unresolved. It is essential that you immediately settle this account by sending money for full amount. The consequence of ignoring this notice could be very serious.

To settle this case contact directly Steven More and reply back to the same email.

Sincerely,

Steven More

Brad –

Victim Location 62832

Type of a scam Debt Collections

Acs law group/acs law/

Repeadly asking for $ from green dot cards or western union

When asked to identify a loan I know I didn’t take they stated after I paid they would provide info

Asked for anywhere from 250$ to 990$

Have several emails from different people

Miranda –

Victim Location 15944

Type of a scam Debt Collections

I’m still being harassed *** ***. I want them to leave me alone.

Sent from my iPod

Begin forwarded message:

From: ACS INC <[email protected]>

Date: September 18, 2015 at 2:52:23 PM EDT

To: *** *** ***

Subject: Re: Reference Account ASE-4351 Subject-Lawsuit (Urgent Attention)

This will be taken as that you don’t want to cooperate with us. As you

are receiving our notification and not responding us back.

IN THIS SITUATION WE ARE GOING TO PROCEED FURTHER WITH LEGAL CHARGES

AGAINST YOUR NAME AND SOCIAL. YOUR CASE FILE HAS BEEN FORWARDED TO

RESTITUTION DEPARTMENT HEAD. THEY ARE GOING TO TAKE ACTION AGAINST YOU

WITHIN 24 HOURS AND YOU WILL BE FORCED TO COME OUT INTO THE COURT

HOUSE. AFTER THAT YOU DO NOT HAVE RIGHT TO BLAME US.

NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT

THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT

BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION

WOULD BE REALLY APPRECIATED.

Note- If we do not receive your positive response by tomorrow then you

will receive court summons along with papers within 3 business days.

Do revert back ASAP.

Bryan –

Victim Location 98235

Type of a scam Debt Collections

I received 3 emails stating I owed money to a cash advance company. I sent them an email back telling them I had no idea what it was about nor have I ever been contacted by their company. I told them I was not aware of any debt so if they could please provide me with proof, I would contact my attorney.

I did some research and found they have done this to others.

When I got a response from them, it was quite disconcerting to know they had the last 4 digits of my Social Security number and my old bank account number. Also, they sent me 2 responses with the same information but different amounts.

Glenn –

Victim Location 19135

Type of a scam Debt Collections

I received an email from ACS Incorp stating I owe a creditor -Advance Cash in the amount of $675.86 wanting a repayment which I do not owe email states this is an United Legal investigation bureau has stated 3 serious allegations against me 1-violation of federal banking regulations, theft by deception an E.F.T. with a phone number of 509-592-4933

Nichole –

Victim Location 98947

Total money lost $963.86

Type of a scam Debt Collections

I received an email stating that I owe money to a lending company and I know I didn’t because I’m not even employed to be able to anyways they are threatening me with an arrest warrant And that they have all my information which I find very concerning on how they were to obtain my information.

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