PAYDAY LOAN COLLECTORS
Complaint
SOULSISTA1973
Country: United States
My mother received a call at her home for me from a so called Agent Brown and he provided a court docket number and advised I could return the call or would be sued in court. Unlike most of the complaints on here, I know I owe this payday loan from 2005 and as of right now have no funds to pay them. I called them back and spoke w/this so called agent and asked what court is this docket number from being I live in Dallas, Texas and asked for the name of the original loan company. Of course he couldn't provide either. I then advised him I would be contacting the Attorney General and the FCC to file a complaint. It's not illegal to owe money, nor is it illegal for them to contact me regarding the debt but it is illegal to mis-represent yourself, not provide your company name and other info needed to validate the debt. If they call you I suggest you do the same.
Comments
Classic fake "investigator/lawsuit" con. "ACS" is one of the most common names these fakes use.
"Unlike most of the complaints on here, I know I owe this payday loan from 2005 "
How exactly would you know that? You may owe some other company a loan, but that is no reason to believe you owe some stranger who calls you on the phone.
"I called them back and spoke w/this so called agent and asked what court is this docket number from being I live in Dallas, Texas and asked for the name of the original loan company. Of course he couldn't provide either."
If he were really hired by some debt collector with actual access to your payday loan information, he would know it, or be able to get it.
"
"It's not illegal to owe money, nor is it illegal for them to contact me regarding the debt "
It is illegal if you don't owe THEM.,
Federal law (FDCPA) prohibits debt collectors from deceptive collection, including misrepresenting who they are, or falsely claiming they are suing or will sue when they don't or can't sue. It also prohibits abusive or harassing collection, and requires that they send you a letter within 5 days of first contact notifying you of this alleged debt, and of your right to dispute and request that they obtain and send validation.
When you haven't received such a letter, and in particular, when your first contact si a threatening call like this, pretending to be an "Agent" (implying "prosecution"), or pretending there is a "Court docket number" (implying a "lawsuit"), it is usually just a con by some criminal.
Often they may be targetting you because you may have filled out some on-line "payday loan application" on one of their fake "lure" sites, and since many consumers who have done so also have other payday loans, it is easy for them to pretend you "owe" them for some loan you actually may owe.
If the lawsuit were real, you would have to be served a summons, not just called and threatened on the phone.
It's all a con.
Any accents or other identifying language characteristics?
Any phone numbers?
I've told all of them to remove me from their lists and thankfully the calls have almost stopped...all but the Indian-accented callers.
I too am receiving calls at work, on my cell and at home. These callers are leaving threatening messages with sensitive information I wouldn't want anyone else to hear.
I'm being accused of having a payday loan in 2008 (which my ex-husband of 26 years MAY have taken out in our joint account but I never did).
When I tried to glean contact information from one male caller, he became enraged and shouted, "THIS COMPLAINT IS NOT AGAINST ME...IT'S AGAINST YOU!" I promptly hung up.
1. I did not / do not have a payday loan.
2. The threats are constant / daily.
3. I know this is illegal.
4. What can I do to block these calls? I've blocked every toll free number they've used so far but they've gotten wise and started calling from a masked number of (252) 555-5555. This is an American woman calling herself, "Edie Carmichael, a personal locater," telling me to call 888-774-5827 with a "docket number" because SHE has been two my home address twice and no one was there.
I know they are lying but I can't stop the calls.
FILE A COMPLAINT
they will get shut down
I work for a law office for collections
They just harressed me an i got a new phone number
If you have there address please share with me
Balance Amount: $964.52
Case File Transferred to ACS: - August 2015
)
this is the only information I've gotten from them (904) 302-6024 I've called back and its an Indianian or Armenian guy that asnwers? has anyone revised or gotten the same phone number!! he never provides names or creditors.
I am so flipping tired of this mess!!!
210-775-2534
229-384-5700
303-261-8949
315-507-8391
347-468-8535
347-468-8964
404-410-2486
413-835-4855
607-595-1838
609-325-2479
629-325-2479
714-929-7223
832-232-0384
acs.legalassistance.us@gmail.com
collections@ace-cashexpress.com
collections.cashnet.us@gmail.com
collection.debt.acs@acs-settlement.com
corporations.legalorg@gmail.com
debt.collections@pcs-department.com
johnsmithacs@outlook.com
settlement.department@acscorps.com
emails:
attorney.michaelwhitead@gmail.com
jonathan.rue@credit-bureau-usa.com
settlements@incorps-ace.com
uninteddistrictcourt.fairdebt@gmail.com
Address:
Cash Advance
3241 W Shaw Ave
Fresno, CA 93711
209-790-3900
831-263-5277 (whitepages.com says owner's name hidden for privacy reasons. King City, CA) I received an email. The address is payday.debt.collection.gmail.com. Seems if they were emailing from a legitimate company, it would have the name of the company in the email...like xxxxxxxx@acs.com.
Also, the vocabulary in the email is "off" - no punctuation where there should be; upper case letters where there shouldn't be....just "off."
The whole thing screams "scam."
emails:
attorney.michaelwhitead@gmail.com
jonathan.rue@credit-bureau-usa.com
settlements@incorps-ace.com
uninteddistrictcourt.fairdebt@gmail.com
Address:
Cash Advance
3241 W Shaw Ave
Fresno, CA 93711
209-790-3900
ᐧ
From: ACS LEGAL DEPARTMENT [mailto:acs.credit.legal@gmail.com]
Sent: Friday, July 21, 2017 9:07 AM
Subject: Re: FINAL PAYMENT MISSING $400.00_ URGENT ATTENTION
Name- Danel Advik
City- Houston
State- TX.
Here Plaintiff
ACS(Legal Department)
804 W Highland Ave, San Bernardino
CA 92405
Defender,
Tina xxxx
Address- 270xxxxxx
Phone Number- 256xxxx
Email Address- tina_cxxx
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 990.67 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.
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 Adam Kills and reply back to the same email.
Sincerely,
Adam Kills
acs.payday.attorney.debt@gmail.com
Good luck young lady, and I hope they don't cause you the pain and suffering they have caused me. These people called my Mother and Sister and harassed them, even going as far as threatening to sue them if they did not pay this so called debt for me. Needless to say I cannot contact or talk to my Family any longer.
Believe me when I say that if our Law Enforcement Agencies are to busy to deal with this matter, I will. Eventually every Criminal messes up, and when these people do mess up, I will find them and cure this disease myself.
This is definitely a scam. Just block them and do not respond back to them. The source is coming from India.
nan
Good luck just send them some Federal make up stuff sounds real the old 28 subsection 2c 1985 fake federal law states stuff it scares them especially if they have a name like mike smith attached , really Mike Smith ! Comes on abdula stop it already God Bless you all !
Classic fake "investigator/lawsuit" con. Routing#: 313083235
Since you haven't responded us let me inform you that you are running short of time because the case is to be downloaded in the court by May 8th 2014 6:30 PM and will be executed in the court after 5 days.
According to affidavit -
Financial Crimes Investigation is pursuing you holding in regards to six serious allegations which are under presumption of criminal allegation.
1. Violation of federal banking regulation
2. Collateral check fraud
3. Breach of contract
4. Internet fraud
5. Theft by deception
6. And biggest violation is of EFT that is Electronic Fund Transfer.
Now these allegations stem from the fact that you were monitored online as well as tracked down by the Internet Prevention and Detection Department (Internet Legal Research Group [I.L.RG.]), using your email address in order to solicit funds from a website owned and operated by Cash Advance USA. The funds were successfully transferred into a bank utilizing an interstate E.F.T. which stands for Electronic Fund Transfer.
But when Cash Advance USA tried to extract the funds back as repayment, there were 6 E.F.Ts returned, constituting a worthless electronic check and after several reminders, you did not bother to reply back.
So as of now rather than chasing you for Money, Cash Advance USA has decided to write these money as loss and deemed it to stolen as well as pressed charge against you of Financial Fraud and Theft by deception. Henceforth, Under Section-9, Chapter-19 they have filed legal case on people like you and set up an example to others who aren't willing to pay the money back.
This is also to inform you that As this loan was provided to you against your pay checks so my client Cash Advance USA has all the rights and authorities to inform your employer about this case and what shall be the results and the consequences once the case is downloaded and executed with the judgments against you.
Also non repayment of loans will be reported by my client to the 3 major credit bureaus causing severe damage to your credit score. (In additions, by the time you decide to pay off your loans, lender rarely reports the repayment to credit bureaus. If this happens, it will be hard for you to qualify for other loans.)
With this I have briefed you up with the affidavit and done my part now the best is up to you.
Sincerely,
Ronny Kessler,
"Unlike most of the complaints on here, I know I owe this payday loan from 2005 "
How exactly would you know that? You may owe some other company a loan, but that is no reason to believe you owe some stranger who calls you on the phone.
"I called them back and spoke w/this so called agent and asked what court is this docket number from being I live in Dallas, Texas and asked for the name of the original loan company. Of course he couldn't provide either."
If he were really hired by some debt collector with actual access to your payday loan information, he would know it, or be able to get it.
"
"It's not illegal to owe money, nor is it illegal for them to contact me regarding the debt "
It is illegal if you don't owe THEM.,
Federal law (FDCPA) prohibits debt collectors from deceptive collection, including misrepresenting who they are, or falsely claiming they are suing or will sue when they don't or can't sue. It also prohibits abusive or harassing collection, and requires that they send you a letter within 5 days of first contact notifying you of this alleged debt, and of your right to dispute and request that they obtain and send validation.
When you haven't received such a letter, and in particular, when your first contact si a threatening call like this, pretending to be an "Agent" (implying "prosecution"), or pretending there is a "Court docket number" (implying a "lawsuit"), it is usually just a con by some criminal.
Often they may be targetting you because you may have filled out some on-line "payday loan application" on one of their fake "lure" sites, and since many consumers who have done so also have other payday loans, it is easy for them to pretend you "owe" them for some loan you actually may owe.
If the lawsuit were real, you would have to be served a summons, not just called and threatened on the phone.
It's all a con.
Any accents or other identifying language characteristics?
Any phone numbers?