Complaint Review: ACS Inc

Here is the first email they sent. It is scary because they know the last 4 digits of my social security number. The only thing they got wrong was a previous bank account I supposedly used.

CASE FILE #: SD6-948673
LOAN INFORMATION

PAST DUE AMOUNT - $832.63
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- 347 468 8908 between 9:30 to 6:30 (EST).

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH EMAIL OR CALL US BETWEEN WORKING HOURS ON   +1- 347 468 8908

ATTORNEY OF UNITED STATES

here is the second email they sent.

Teyah Taylor,

We are talking about the loan amount of $500 that you took with the company, they do have a signed copy of the contract which is signed under your e-mail address  and SSN ending with also would like to mention your computer's IP address was also traced when you were signing the contract with the company. The company have more than 14 technical evidence in order to prove the money was successfully deposited into your bank account with THE FIRST NATL BANK account number ending with # 8356.

Talking about the creditor Advance Cash Services ACS is the mother company which owns & operates more than 350 parental payday loan websites CASH NET USA, CASH AMERICA & 500 CASH ADVANCE etc. And you have used one of them to get this loan approved.

NOTE : 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.

Best Wishes,

Ace Cash Services.

here is the third email they sent.

Teyah Taylor,

We have tried several times to work with you but as you are not co-operating with us then 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.

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.

Best Wishes,

Settlement Department

Ace Cash Services