Reference Account Number-CA-613547 Subject - Lawsuit
Complaint
Tonya Barclay
Country: United States
This is what is received in an email:
From: ACE CASH SERVICES <legal.settlement@acsincorporation.org>
To: tbarclay@maclellanlive.com,
Date: 02/06/2014 12:54 PM
Subject: Reference Account Number-CA- 613548 Subject-Lawsuit
CUSTOMER ID: 95874125
CASE FILE #: CA3 - 613548
LOAN INFORMATION
PAST DUE AMOUNT - $945.86
CREDITOR - ACE CASH SERVICES.
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 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.
Your line of credit is over 60 days past due, but 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 afford the payment options we have offered, contact us right away by phone or email and we will do our best to accommodate an amount you can commit to.
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 than 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 at +1- 347 774 0573 between 9.30 to 6.30 (EST).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON +1- 347 774 0573.
UNITED STATES OF ATTORNEY
Copyright © 2006 ACS | Privacy | Terms of use
ACE CASH SERVICES.
Phone: (347) 774-0573
-------------------------------------------------------------------------------------------------------------------------------------------
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. 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.
From: ACE CASH SERVICES <legal.settlement@acsincorporation.org>
To: tbarclay@maclellanlive.com,
Date: 02/06/2014 12:54 PM
Subject: Reference Account Number-CA- 613548 Subject-Lawsuit
CUSTOMER ID: 95874125
CASE FILE #: CA3 - 613548
LOAN INFORMATION
PAST DUE AMOUNT - $945.86
CREDITOR - ACE CASH SERVICES.
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 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.
Your line of credit is over 60 days past due, but 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 afford the payment options we have offered, contact us right away by phone or email and we will do our best to accommodate an amount you can commit to.
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 than 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 at +1- 347 774 0573 between 9.30 to 6.30 (EST).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON +1- 347 774 0573.
UNITED STATES OF ATTORNEY
Copyright © 2006 ACS | Privacy | Terms of use
ACE CASH SERVICES.
Phone: (347) 774-0573
-------------------------------------------------------------------------------------------------------------------------------------------
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. 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.
Comments
Jenn Albrecht
Final Notice ACE Incorporation
Inbox
x
Roger Clark <roger.clark.ace@outlook.com>
11:16 AM (22 minutes ago)
Reply
to forktaildevil75
Dear Debtor,
This Legal Proceedings issued on you Docket no: CN/130614/90 with one of ACE Incorporation. 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 Incorporation has decided to mark this case as a flat refusal and press legal charges against you.
CASE NO: CN/130614/90
AMOUNT OUTSTANDING: $1245.35
We have sent you this warning notification about legal proceedings on August 8, 2014 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 actions against you. Your salary and all your wages confiscated.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement 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.
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 $3896.35 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.
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.
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.
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 account. roger.clark.ace@outlook.com from 9.30 to 6.30 (EST).
If you want to resolve this matter then immediately contact us through email account. roger.clark.ace@outlook.com
Now I know full well that according to the FAIR CREDIT BUREAU any legitimate collection agency and bill collector they must provide all of their contact info. and provide detailed info. regarding the debt with dates and who the original debtor is and must report such delinquencies to all of the credit bureaus. In addition, I have reported and forwarded these emails to the FTC spam@uce.gov Always refer to the FTC
CFPB Takes Action Against ACE Cash Express for Pushing Payday Borrowers Into Cycle of Debt
ACE to Pay $10 Million for Using Illegal Debt Collection Tactics to Pressure Consumers Into Debt Traps
WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB) took enforcement action against ACE Cash Express, one of the largest payday lenders in the United States, for pushing payday borrowers into a cycle of debt. The CFPB found that ACE used illegal debt collection tactics – including harassment and false threats of lawsuits or criminal prosecution – to pressure overdue borrowers into taking out additional loans they could not afford. ACE will provide $5 million in refunds and pay a $5 million penalty for these violations.
“ACE used false threats, intimidation, and harassing calls to bully payday borrowers into a cycle of debt,” said CFPB Director Richard Cordray. “This culture of coercion drained millions of dollars from cash-strapped consumers who had few options to fight back. The CFPB was created to stand up for consumers and today we are taking action to put an end to this illegal, predatory behavior.”
ACE is a financial services company headquartered in Irving, Texas. The company offers payday loans, check-cashing services, title loans, installment loans, and other consumer financial products and services. ACE offers the loans online and at many of its 1,500 retail storefronts. The storefronts are located in 36 states and the District of Columbia.
Payday loans are often described as a way for consumers to bridge a cash-flow shortage between paychecks or other income. They are usually expensive, small-dollar loans that must be repaid in full in a short period of time. A March 2014 CFPB study found that four out of five payday loans are rolled over or renewed within 14 days. It also found that the majority of all payday loans are made to borrowers who renew their loans so many times that they end up paying more in fees than the amount of money they originally borrowed.
The CFPB has authority to oversee the payday loan market and began supervising payday lenders in January 2012. Today’s action resulted from a CFPB examination, which the Bureau conducted in coordination with the Texas Office of Consumer Credit Commissioner, and subsequent enforcement investigation.