PAYDAY LOAN COLLECTORS

ComplaintsCollection AgenciesACS DEBT COLLECTIONS

Complaint

0
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

  • 0
    brtjcksn
    got same sort of e-mail today called law firm and investigation underway
  • 0
    NHFD282
    | 1 reply
    Awaited response.

    As per our last conversation August 21st, 2014 is your payment date of amount $180.00. But your payment is pending and company  forced to download the case file against you



    On Thu, Aug 21, 2014 at 9:35 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:


    Awaited response.






    On Wed, Aug 20, 2014 at 11:02 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:


    Alright, we have updated the accounts department that you are going to pay $180.00 tomorrow. So update us with the 14 digits reference number






    On Wed, Aug 20, 2014 at 10:41 PM, CarolAnne <str1ngette@aol.com> wrote:


    I can't pay the $180.00 today...BUT I can pay the $180 tomorrow (THURSDAY) and once I do that you will close my case and I will be done?  And you will send me via email a letter stating I'm finished and that you received the money?




    Please revert so that I may let my lawyer know






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Wed, Aug 20, 2014 1:07 pm
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit



    BUT YOU PAY TODAY  THEN CLOSED YOUR CASE





    On Wed, Aug 20, 2014 at 10:19 PM, CarolAnne <str1ngette@aol.com> wrote:




    So you want me to make the payment of $180 by when and that will close my case?



    Please revert so I may speak with my lawyer




    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Wed, Aug 20, 2014 11:39 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit




    Sorry, we cannot keep extending dates as we have agreed upon the date stated by you.




    On Wed, Aug 20, 2014 at 8:50 PM, CarolAnne <str1ngette@aol.com> wrote:


    I can make those payments but can only start them in September.  Will you be able to take monthly payments of $180.00?  I can pay by 30 or 31 of every month.  And I will do them via MoneyPak as long as you can assure me that you will send me notification as soon as you receive the money each time



    Please revert






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Wed, Aug 20, 2014 10:21 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit



    We want to notify you that we are not authorized to take the payment of $100.00. we have authorized minimum amount only 180. so you can pay on this Friday then update my  accounts department for your particular's case file






    On Wed, Aug 20, 2014 at 7:30 AM, CarolAnne <str1ngette@aol.com> wrote:


    As per my conversation with my lawyer we would like to make monthly payments of $100.00 until the debit of $490 is paid off.  I can start by the end of the month of Sept with a Green dot card...but I need something from you to know for sure that after I send the Green dot info to you, you have received it for sure................please revert






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Tue, Aug 19, 2014 11:36 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit





    Awaited response.

    As per our last conversation August 07th, 2014 is your payment date of amount $490.00. But your payment is pending and company  forced to download the case file against you



    On Mon, Aug 18, 2014 at 8:44 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:




    The mode of payment will no longer be through secure mode of payments like ACH, VISA or MASTER Cards. The only mode of payment we are allowed to accept has to be through Money Pak, so that you do not give out any of your personal information any more to anyone.

    so please confirm me clearly When are you willing to pay? Then we update of our company accounts department and these are decide what to do this case  








    On Mon, Aug 18, 2014 at 6:31 PM, CarolAnne <str1ngette@aol.com> wrote:


    I am so sorry for the delay in getting back to you.  After speaking with my lawyer, he advised me to email you right away in order to keep track of our conversations via email (as per your request)  My lawyer suggested that I make monthly payment arrangements with you due to the newly fraud case that I have open....,,,what is the least amount monthly that you would be willing to accept and the other options of how to pay as I'm just not comfortable with the Greendot cards as there has been a lot of fraud suing them and don't want my payments to you to get lost or stolen.



    In responding to your answer about my clear intention is regarding this case file.....my intention is VERY clear.  I want to resolve this nicely with both of us working together.



    Please Revert so that I may let my lawyer know of your intent as well as mine






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Fri, Aug 15, 2014 10:54 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit



    We are still looking for your response, kindly let us know your clear intention regarding this case file. Do you want to resolve this or dispute against the company. This is last and final chance to settle this case. After that we can't hold your file and we should forcefully download a case file against your name and social.

    Do revert ASAP with good intention.

    Best Regards,
    ACS Incorp.






    On Thu, Aug 14, 2014 at 6:14 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:


    Sorry for the inconvenience caused, we are not authorized to talk to you over the phone because we are using the emailing data base system to record our conversation in order to update your case file.

    Thank You







    On Thu, Aug 14, 2014 at 6:11 PM, CarolAnne <str1ngette@aol.com> wrote:


    I am willing to make payments but rather do it online or threw some other form than the Green Money Pak.  There must be some other form you accept that is safe for me and for you.  Pleased understand where I am coming from......someone just got a hold of my personal information and use it to obtain my credit card out of state..,.,,,My lawyer advised me to send you this email and also told me to get a phone number where I may reach you?  



    Pleae revert.......Thank you






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>



    To: CarolAnne <str1ngette@aol.com>
    Sent: Wed, Aug 13, 2014 11:49 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit




    When are you willing to pay? If yes how much pay and date?  Then we update of our company accounts department and these are decide what to do this case




    On Tue, Aug 12, 2014 at 9:22 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:


    We accept only Green Dot Money Pak reload card because it is the safest mode as no personal information is disclosed.






    On Tue, Aug 12, 2014 at 4:29 PM, CarolAnne <str1ngette@aol.com> wrote:


    Yes I'm willing to pay.  That is why I have been in touch with you.  My lawyer wants me to ask you if instead of sending the full amount to do half and would prefer I do it with a money order seeing I have recently been a victim of fraud with people using green dot money paks and using my credit card to make unauthorized charges.  While we feel you are not a fraudulent company, I still want to protect myself as well as making sure ANY amount that I send you is legit and going to you and my debt.  Please advise.....like I have said I know I owe the debt and the very first amount that I had originally agreed to pay on was $300, but I need to protect my self seeing the only way of communication with you is threw email which automatically raises a red flag but I am willing to work with you if you are willing to work with me



    Please revert ASAP






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: CarolAnne <str1ngette@aol.com>



    Sent: Mon, Aug 11, 2014 12:49 pm
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit




    When are you willing to pay? say Yes/NO  then we update of our company accounts department and these are decide what to do this case



    Do revert ASAP




    On Mon, Aug 11, 2014 at 6:04 PM, CarolAnne <str1ngette@aol.com> wrote:


    Just wanted to let you know......I was in a serious car accident while leaving my lawyers office as he advised my to stop by and drop off copy of MoneyPak so his records........I'm in the process of getting the info to you as soon as possible so if you could be patient It would greatly be appreciated.  I cannot move tooo much at this time perhaps at the end of the week.. I plan on keeping you informed though






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>



    To: CarolAnne <str1ngette@aol.com>
    Sent: Fri, Aug 8, 2014 9:36 am
    Subject: Re: Case File#: CL/D-05408 Subject–Lawsuit



    Awaited response.

    As per our last conversation August  07th, 2014 is your payment date of amount $490.00. But your payment is pending




    On Thu, Aug 7, 2014 at 11:21 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:



    We are expecting the payment of $490.00 today. You are required to provide us the 14 digits card reference number mentioned on the back side of the Money Pak Card so that we can check your payment status. Kindly make sure that it should only be a Green Dot Money Pak reload card only.



    Do revert ASAP






    On Wed, Aug 6, 2014 at 9:40 PM, ACS Debt <usa.debtcollection.acs@gmail.com> wrote:


    Alright ,The mode of payment has to be a GREEN DOT MONEYPAK RELOAD CARD. Any other mode of payment is not an acceptable payment mode, so you need to purchase GREEN DOT MONEY PAK RELOAD CARD and fill the information below and e-mail us back, so that we can collect your payment accordingly.
    MONEYPAK
    Full Name: ..............................
    Address: ................................
    City: .....................    State: ..........................    Zip: ............................
    Phone Number: ............................
    MoneyPak Number(14 digits): ....................................................
    Amount: $.........

    Please find the attached file in order to better understanding that which card you have to purchase.

    MONEYPAK IS AVAILABLE AT THESE STORES NATIONWIDE:
     
    CVS/PHARMACY
    K MART
    WALGREENS
    RITE AID
    7 ELEVEN

    Kindly make sure you will send the greendot moneypak reload card on that particular date of payment and also card will be moneypak reload which have 14 digits reference number not the greendot prepaid card.

    Once the amount will be pay we are going to provide you the Receipt and Transaction  id of that particular amount

     
    Thank you,







    On Wed, Aug 6, 2014 at 9:14 PM, CarolAnne <str1ngette@aol.com> wrote:


    Hello there,



    I have tried to contact someone regarding this account but no to avail.  The agreed payback that was agreed on was $490.00 and once you received it you are giving me a paid in full note.  I can pay that $490.00 tomorrow but you need to let me know where and how.  This has been my problem for a while.  Please let me know.  Thank you






    -----Original Message-----
    From: ACS Debt <usa.debtcollection.acs@gmail.com>
    To: ACS Debt <usa.debtcollection.acs@gmail.com>



    Sent: Wed, Aug 6, 2014 11:28 am
    Subject: Case File#: CL/D-05408 Subject–Lawsuit




    Amount Due: $910.40

    Case File#: CL/D-05408

    Loan Company: - ACS INC

    Dear Debtor,

    Our company (ACS Inc) has authorized us to recover the full amount due to them. 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 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 48 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 $4210.79.

    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



    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 E-mail us now to pay or agree a repayment plan with us.

    AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU E-MAIL (From Monday to Friday 09:30 AM to 05:00 PM EST)



     ACS INC © 2014  | Terms of Use | Payment | Complaints |  Privacy Policy |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.








    This is what I have been dealing with fcor months now.....I didn't know there were a place here that other people have had the same or similar complaints....had I know about this site I would have never responded they way I have to these individuals.  Luckily, I caught this website BEFORE I sent money.  I thought something was up when they insisted on contact only threw email no phone calls and then the final straw was when they decide that a $180.00 payment to a GreenPak or green dot (whatever) would settle my case---a case that they originally said I will or do owe over $4,000.  Can someone please tell me if they have received this exact emails as I have pasted on here and what I can do?  Thank you and beware everyone......these guys are very clever
    • 0
      Laura Salgado replies to NHFD282
      I received the same email a few days ago and best advice is to just ignore them. Awhile back I received a similar one stating that there was a warrant for me. So I decided to call the police about that and I was told that when you owe money( if you do) that they won't issue a warrant for it. Also doing some research I found out that your information is being sold in the internet and that is how they get ahold of you either by email or by phone. This people really investigate you and tell you where you work and bank accounts and your social as well. They ask for greendot because I guess it is not as easy to track as with a personal bank account. DO NOT SEND MONEY. Hope this helps.
  • 0
    Leilee
    We just got one of these e.mails. Her name she said is Nicole Harvey. She gave us a case file number and said how much is due and to reply by e.mail and we have 48 hours to do so. No phone number. Said we was suppose to return a check and that we didn't do it.They will take us to court as she put it (our local county court)...
  • 0
    MsK2U
    I get these all the time, phony and fake as hell, a legit debt collector sends a letter in the mail, and has to validate when requested in 30 days, when you ask these [***] to send proof they say they don't have to
    Which is illegal, they go into the database and get the information from legit payday loan companies and start their tactics. We all can get together and all the emails and filed a class action suit
  • 0
    SBB
    First I received this type of scam/harrassment from a supposed attorney Sam Wilson with the Attorney General's Office, he even went as far as calling from a 911 Emergency number so it appeared legit at first but I had my suspicions, particularly because of his thick accent and poor grammar in email's. Started a google search and found many reports/complaints. Called this man on it told him a few choice words and that I was reporting him. He turned around and sent me another email still claiming it's legit, now with a new majic jack phone number. Long story short  he can go *(#*%)@ himself. So...a few days later, yesterday, I receive an email citing the same legal (illegal) jargon that the fake attorney had emailed me, the exact same, from ACS, INC. Googled it and found these complaints. Advised them to cease contacting me and that I was reporting to my State's Attorney General's office, FCC, and Cyber Crimes as I did with (air quotes) "Attorney, Sam Wilson," who also idiotic enough to refer to the court of law as the court people. Ha! But not a laughing matter at all and I highly detest the my privacy being messed with and the harrassment. Thank goodness for internet and common sense. Shame on them! Their Karma will be a beast. But damn, really!?! I hope other's will use good judgment and not fall for this scam.
  • 0
    sbb
    BEWARE of this scam.
    ACS INC <usa.acs.debt@gmail.com>


    3:08 PM (20 hours ago)

    to bcc: me












    Case File No: PA-859468

    Total Outstanding: - $995.67

    Loan Company: - ACS INC.  

    Case File Transferred: September 2014




    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 out of 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 $995.67 or else the lawsuit amount which is about $3903.86 WILL BE DOWNLOADED AGAINST YOU. If you want to settle this matter today itself, then you can get some percent deduction on the Restitution Amount and you can take care of this issue by making the payment of the Settlement Amount today. You have to send us a promissory note to stop your case file temporarily out of the court house. So get back to us ASAP.  

    We are very sorry to say that you are going to be legally prosecuted in the Court House within seven days. 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. But as we were not able to reach you so we are sending you a final notification Email. Your case file# PA-859468; and since it’s a legal matter you will need our help, so call us right now to make a payment and freeze down this case.  



    AS 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 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 begin 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.

    The Factual Basis for the complaints is as follows:  

    You accepted to return the funds from this aforementioned 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 when you can pay the requested $963.86 to settle this case.

    This is our final notification to you as we found you to be a genuine person as told you before. You can resolve the issue by paying out of Court Restitution Amount/ Settlement Amount as decided by the Court House. You have to give us a flat answer without any excuse.  




    If you want to resolve this matter then reply back to this email immediately during working hours (Monday to Friday 9.30 am to 8 pm EST.




    NOTE: THIS CASE IS UNDER INVESTIGATION UNDER CREDIT BUREAU.

    ACS | 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
  • 0
    Sparky Shumaker
    Same nasty emails, bad grammar, bad bad grammar, but when I asked them for my social #, they actually sent it to me! How did they get that? When I would send them emails, they would answer in a way that almost answered my questions in a vague kind of way. But they knew my social and who my bank is. They said I took out a pay day loan for $300. from Cash Advance back in March 2012. When I tried to check, I couldn't see any deposits. Sneaky. A $300. loan turned into $4,000?? They've even called my work and got pissed when I asked for someone that could speak English!!! Bah hah hah!!!
  • 0
    Lovely Mar
    I have received these emails myself ACS .They have found attorney Anderson at Law to handle legal matters against me. To serve summons at my door, contact my employer and take my wages .Is this really true have happened to anyone about payday loan.
  • 0
    NEREIDA
    | 1 reply
    I HAVE RECD SEVERAL EMAILS STATING THAT I NEED TO PAY THEM 150.00 DOLLARS BIWEEKLY AND HAVE TO DO IT THROUGH VIA MONEY PAK RELOAD CARD... I AM ONLY RECIEVEING THEM THROUGH EMAIL NO CALLS OR ANYTHING ..


    WHAT SHOULD I DO...
    • 0
      Laura Salgado replies to NEREIDA
      Ignore them. When you owe money (if it is true) they will send you a letter not an email. Do not send any money.
  • 0
    robPLL
    Need some advice....getting these email with no call back number but to send payment....any help?


    Kindly let us know your clear intentions about this case file. We want to notify you that this is the last e- mail you are receiving from the company to resolve this case file outside of the court.

    If we didn't get response from your side then we will forward your case file to the Attorney General’s office with the information that you are involved in fraudulent activity with one of the company. And you are forcing us to take legal steps against your name and SSN.

    Do reply ASAP in order to stop all legal consequences against you.

    Thank You
    ACS Incorp.

    On Wed, Oct 29, 2014 at 12:01 AM, ACS INCORP  wrote:
    Once the full and final payment is received a receipt will be sent to you stating that your out standing debt is paid in full.

    All you have to do is get a Money Pak voucher for your payment amount
    from any of the stores mentioned below, scratch on the bottom on the
    back side of the card and provide us with the 14 digit reference
    number.

    NOTE- There will be no Expiration date and CVV code on this.

    MONEY PAK VOUCHER IS AVAILABLE AT THESE STORES NATIONWIDE:

    CVS/PHARMACY
    K MART
    RITE AID
    7 ELEVEN

    Kindly fill the information below and e-mail us back, so that we can
    collect your payment accordingly.


    MONEY PAK
    Full Name
    Address
    City State Zip
    Phone Number
    Money Pak Number(14 digits)
    Amount
    For any queries related to Money Pak, feel free to email us back.

    Best Regards.
  • 0
    Ms. Lini
    Well i asked them to provide me the date the money was desposited and still waiting. i need that date so i can call my bank and confirm if anything was deposited and still waiting, SMDH. why are these people harassing us. Is because of a previous loan that we applied for and paid and now is like the whole world is attacking for collection of something that i have never gotten a loan from or can't even provide me with the information that i'm asking for. What is up with that? can someone tell me please.
  • 0
    Larry
    I received the same email. I was also threatened with my ss number being held and given a false court order. All court dockets start with a letter such as CR for criminal,cv -civil,etc. I asked for an original copy of any papers with my signatures, birthdate and a copy of the contract. I also contacted the law bar in Virginia, the calls are coming from a 703 area code. But no attorney matching his name ( Scott  Morrison ) was listed. it's a scam, and possible identity theft. Can't be legal. I reported mine to the FTC and U.S. Attorney's office.
  • 0
    Harry G
    | 1 reply
    I received a call from Jacob Campbell, from the Office of ACS.  I was sent to two different people who refused to provide me with any real information other than, we mailed the information to you 45 days ago.  I requested the info be sent again so I could forward it to the State of Montana Consumer fraud department and the County Attorney's office.  They said that they weren't going to spend the money again to do that again.  

    They are a fraud.  Not only that, the claim from them was criminal, which is bogus.  The claim that they made would be a civil matter.
    They also didn't want to give me any info on the company they said they represented, only the name.  They didn't even know the state the company was from.
    • 0
      Ms. M replies to Harry G
      I received a call from a Jacob Campbell as well, regarding a payday loan that I have no knowledge of, the number he left to contact him 877-629-0315, which is not a valid number, spoof id...
  • 0
    NBS
    | 1 reply
    here is a copy of one of the mutiple i have recieved from them

    As you know this is an online process, so we can't provide you any document at your mailing address. While applying for these loan company haven't requested any document from your side and also it is clearly mentioned on the agreement, at the time of recollection of money from your side, company will not show you any kind of document as these are the main evidence for the company. However if you are requesting it we can simply forward for the legal consequences. Soon you will received the court summons at your door step and there after we are not able to help you out.
    From: Agreement ACS [mailto:agreement@collection-acs.com]
    Sent: Thursday, February 26, 2015 12:57 PM
    To: Suiters, Nancy
    Subject: Re: Final Notification

    This is regarding to inform you that you have taken more time to resolve this case but we never received any positive response to settle this case so that we have send this notification.
    We have an offer for you will pay the $410.00 with this month then we will close your case file that amount only. After this month you have to pay total outstanding balance $986.45.
    You can reach on +13155576477.
    Do revert us ASAP.
    Regards,
    Stephen Brown(Accounts Manager)
    ACS Incorp.

    On Thu, Feb 26, 2015 at 11:20 PM, Suiters, Nancy <NBSuiter@stvincent.org> wrote:
    From: Agreement ACS [mailto:agreement@collection-acs.com]
    Sent: Thursday, February 26, 2015 12:44 PM
    To: Suiters, Nancy
    Subject: Final Notification

    We have tried several times to work with you but as you are not co-operating with us than unfortunately we have to proceed further with legal actions against your name and SSN in order to dispute this matter into the court house as you have failed to provide us the requested documents.

    KINDLY MAKE SURE THAT WE SHOULD RECEIVE THE RESPONSE BEFORE END OF THE DAY IN ORDER TO CLOSE THIS ACCOUNT.

    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.

    Best Wishes,
    Stephen Brown(Accounts Manager)
    ACS Incorp.

    CONFIDENTIALITY NOTICE:
    This email message and any accompanying data or files is confidential and may contain privileged information intended only for the named recipient(s). If you are not the intended recipient(s), you are hereby notified that the dissemination, distribution, and or copying of this message is strictly prohibited. If you receive this message in error, or are not the named recipient(s), please notify the sender at the email address above, delete this email from your computer, and destroy any copies in any form immediately. Receipt by anyone other than the named recipient(s) is not a waiver of any attorney-client, work product, or other applicable privilege.
    • 0
      Pat replies to NBS
      I just got this same email 2 hours ago. These people can't be for real to think someone would not check them out.
  • 0
    Miralva Marroquin
    This is the email...I was CC'd on this email, it was sent to 4 people...now that is illegal due to the fact they are disclosing this debt to unauthorized third parties...I never received a payday loan from this company...FRAUD!!!!

    Marvin Gore

    To
    downey_tracie@yahoo.com

    CC
    brzezinski52@icloud.com, me, katyje@socantel.net

    Mar 2 at 10:24 AM

    Cash Advance (Advance America) 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 Legal department of Cash Advance America has decided to mark this case as a flat refusal and press legal charges against you.

    CASE NO: NS/26713497

    Amount outstanding  : $640.36

    Despite our previous reminder, we still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of $528 in full before today we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our company.

    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.

    Should your payment not be received in full today, immediate court actions will take place.

    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.

    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 would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible.

    We still trust court actions will not be necessary and look forward to receiving payment by return

    If you want to resolve this matter then immediately contact us our legal department head

    us.acsdebtcollection@gmail.com

    Legal Department of

    Cash Advance America
  • 0
    Melanie
    here is one I received today. I emailed them back and said nice try.  Look at all the spelling and gramma mistakes.  Not only that but NO collection company can make these type of threats under the FDCPA.  Its a civil matter and they cannot arrest you.  Its totally bogus

    On Thursday, March 19, 2015 2:53 PM, ACE INC <collection.debt@acslegal.org> wrote:

    FINAL NOTIFICATION

    DEAR DEBTOR,

    COURT HOUSE

    CUSTOMER ID: 9784512

    CASE FILE #:  ACS - 981642

    LOAN INFORMATION

    PAST DUE AMOUNT - $850.54

    CREDITOR - ACE CASH SERVICES

    Talking about ACS (Advance cash services), it is a mother company which owns and operates more than 350 websites. All child company like Speedy cash, Fast cash, 300 cash, 500 cash, Cash Net USA, Cash advance, Cash America, Payday Max, 2-minute payday loans, Payday cash, Payday perfect etc. owns  and operated under it. You went online from one of this website and applied for an online Payday loan.

    We have tried several times to work with you but as you are not co-operating with us than unfortunately we have to proceed further with legal actions against your name and SSN in order to dispute this matter into the court house as you have failed to make the payment. we will download the case against you and thereafter we will send you the court paper at your door step as well as at your  employer .We would be looking for your positive response if you want to avoid legal consequences and if not than you can very well dispute this case into the court..Because we already give you the last warning. We would like to you this case will be downloaded against spend your worst days in the jail.

    We are also going to get in touch with your employer regarding this fraud which you had done with our company. Very soon you will be receiving the court papers at your employer place as well as at your residence. We tried our best in past to help you in order to resolve this case, but it is your choice to ignore the communication.

    This is the last chance to go ahead and volunteer to take care of your debt, and save your credit report from ruining. If we got a proper response from you before the end of the day today we will hold your account. Hope you got our point clearly.

    IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US. ASAP.

    Martin Cooper,Senior investigation officer

    Tel 609 325 2479 | Fax 547-665-8145

    collection.department@acspayday.com                                                                                                 +1 609 325 2479  Ace cash Service.

    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.

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