ACS PAYDAY LOAN COLLECTION SCAM Nationwide
I received this email from a Stephen Brown (Accounts Manager) from ACS Incorp. regarding a "Payday loan" debt I alledegly have with his company but he refuses to provide specifics.
Case No. AS16-29016
Balance Amount: $956.45
Case File Transferred to ACS: - November 2014
Dear Customer,
Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $3341.86 against you, we request you to kindly pay the Court Restitution Amount which is $956.45. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
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.
As you are a defaulter on this credit/loan, once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid:-
• Attachment of Earnings base (Earnings Arrestment)-Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.
• Warrant of Execution (Exceptional Attachment Order) - Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.
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 .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 and your SSN. 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 pending loan.
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 remedy:
All funds to be returned as per terms of initial contract
Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested $956.45 to settle this case.
To resolve this issue contact us during the working hours Monday to Friday09:00 AM to 05:30 PM EDTon+1 315 557 6477or reply back to this email to get in touch with the representative.
NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS
Yours sincerely
Collections & Legal Department
ACS LEGAL DEPARTMENT
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When i responded it was a SCAM i received this. The scary part is they had the last 4 of my SSN and Last 4 of my acct number and correct bank name. Even though i never got any loans with them
We are talking about the loan amount of $300 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 in *** BANK and account number ending with ****.
ACS (Advance cash services), it is a mother company which owns and operates more than 350 websites, you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours that what would you like to do.
The principal amount which you borrowed from the company is of $300.00. $956.45 are included with the interest charges, late free charges and penalty charges. But if you are ready to settle this account outside of the courthouse then company is also providing you the following options:-
1. We have settlement amount for you that if you can pay the amount which is $490.23 by TODAY then we can close your file with this amount only.
2. If you are going to pay in two installments then we can make your first payment by January 16th 2015 of $300 and the second installment by January 23rd 2015 of $300 it means your settlement amount will be $600.
3. If you want to pay your total outstanding balance of $956.45 then you can pay it in three installments for that you need to provide us the three dates so that we can proceed further. The mode of payment will be either thru master/visa/prepaid card. The card information you need to provide us is given below:
Name appearing on Card:
16-digit Card Number:
Expiration Date:
3-digit CVV number [appearing on back side of card]:
Address associated with the card:
Contact number:
Do provide us with the date on which you can pay. So that we can send you the Settlement Agreement in order to freeze down this case.
How much you can come up with amount by today in order to settle this case file.
If you are willing to resolve your case then you have to pay your debt back to the company and thereafter we will send you the Payment Receipt stating that your account is paid in full with zero balance.
Kindly let us know your intentions regarding this case so that we can send you the settlement agreement in order to freeze down this case for you.