Complaint Review: ACS Incorp.

On Tuesday, September 24, I received an email stating that I was going to be legally prosecuted in the Court House, within a couple of days.  According to the email, my SSN was being put on hold because I owed $921.25 for a Payday Loan that I had supposedly taken out.  

The email further went on to state that I was being sued on four violations:  Violation of Federal Banking Regulations, Collateral Check Fraud, theft by deception, and electronic fund transfer fraud.  I was further told that I needed to inform the HR department that I worked for, as to what I had done and what the consequences would be for my actions.I was told that I had the right to obtain an attorney, and that if I could not afford one, the state would provide one, but that I would have to pay $4,825.15, which did not include loan fees, attorney fees, and interst charges.

When I called the number provided in the email to inquire about this email, I was told by the man that answered that I owed them money for a payday loan. When I tried to explain to him that I did not take out a payday loan, nor did I need to take one out, he became real quiet.  When I asked for more information, the man just kept saying that I owed them money on a payday loan. When he wouldn't provide me with anymore information, I told him that I was turning it over to my attorney, to which he hung up the phone on me.