Complaint Review: Advance Cash Services

I received an email from a company stating that I was being sued for the amount of $816.32 from a loan company called ACS. They told me that I was going to be legally prosecuted in the court house and that my social security number was being held by the US government. They said that I've ignored all of their attempts to contact me about payday services. 

 They then told me that the United Legal Investigation Berau had 4 very serious allegations against me VIOLATION OF FEDERAL BANKING INFORMATION, COLLATERAL CHECK FRAUD, THEFT BY DECEPTION and ELECTRONIC FUND TRANSFER. They then told me that I needed to inform my employer and bank of what I had done in the past. 

 Then this was under the part that said you have 48 hours to respond to this letter or we will take legal action against you. 

 WE HAVE ALL THE RIGHTS RESERVED TO INFORM THE FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 

 They then informed me that if I was found guilty I would owe $4769.87 in legal fees. And this was the first email. Then I emailed them back asking how it can be settled outside of court because I have applied for a payday loan and I thought it was them who was calling me. They didn't even have my name in the email address. 

 Aaron Sivigliano,

  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 addresstimbaca2@hotmail.com and SSN ending with **** also would like to mention. Your computer's IP address was also traced when you were signing the Electronic contract with the company. The money was successfully deposited into your bank account withAlaska USA Federal Credit Union.

 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 now with the late fees and tax, Rate of Interest (Approx 320 percent)the initial amount of $300.00 goes up to $816.25. The best we can do for you is we can give you the Settlement Amount of $310.68 which you have to come by till August 16^th 2013 or you can make four payment for $816.25. Kindly let us know the date and amount with which you can come up, so that we can send you the Settlement Agreement which you need to fill, sign and send us back in order to freeze down your case. And once your account will be paid in full with zero balance then we will send you a Payment Receipt stating that your account has been paid in full with zero balance.

Do revert ASAP.

This is what they sent me on the second email. First off my email address was incorrect, I didn't apply for a loan through Alaska USA but they did have the right Social Security Number. Then they sent me another email asking for my credit card information. 

I almost fell for their trick. But once the Credit Card information came up I was like yep, this is definitely a scam. So I responded back to them telling them to send me all the information regarding this loan so I can give it to my attorney and I have not heard anything from them since. 

I hope everyone learns from this. Don't trust anyone who asks for your credit card information through email.