Complaint Review: ACS Incorp - Nationwide

If they will not provide their address and verification of the debt then they are a scammer.  Especially if this is regarding a payday loan when you didnt' take one out.  This is a common scam going around.  You've taken one right step in alerting your bank.  If I were you I'd also have a fraud alert placed on your credit burea file.  And if these idiots call back tell them you're on to them and tell them to F_CK off.  Good luck and fight back.

That is all these losers are - there is no debt.  They hacked into some payday loan websites years ago, got peoples names and numbers and now are trying to act as if they are law firms to extort monies from people.  Just tell them to take a long walk off a short pier into shark infested waters.

Make sure you send a copy of this message to the FTC and the FBI fraud unit.

hello
there is no mailing address to send anything too just the email. i did call and speak to some1 and they dropped it i spoke to the right person. so i am hoping this was the last of it i did speak to my bank their lawyer who handles this stuff has been alerted and so is my banker keeping a close eye on anything unusual happening. I am keeping a close eye on things with my account. i just need to wait and see i havent heard anymore about it so for now im hoping this has passed i told em basically i never heard of you I never took out a payday loan my bank can confirm it so can the fraudulent lawyer they have on stand by atm. it just made me mad. if you by chance find an actual street address plz let me know. 

Looks a bit fishy to me.   Send them the following letter in response - this will clarify the issue as well as help you determine if they are legitimate.  Send this certified mail and send it immediately.

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on (insert date and attach a copy of their the above email collection letter they sent to you).

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

Provide a verification or copy of any judgment if applicable and identify the original creditor;

Prove the statute of limitations has not expired on this account

Show me that you are licensed to collect in my state and;

Provide me with your license numbers and registered agents;

At this time, I will also inform you that if your offices have reported erroneous information to any of themajor credit bureaus, this action might constitute fraud under both federal and state laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of character for contacting any other person than myself regarding this alleged debt.

If your offices are able to provide the proper documentation as requested in the preceding, I will require at least 30 days to investigate this information and during such time, all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of this certified mail letter, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also request that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Name

NEVER SIGN YOUR NAME only type it

(WHY: because these bottom feeders will scan your signature and fraudulently attach it to documents as an attempt to validate a debt or an agreement with them.)

Be SURE to send it certified or registered...above all, keep the receipt, attach it to a copy of the letter you sent and all their correspondence.

If they call, write down the time, date and whom you spoke with. This is invaluable if they do this after receipt of certified letter.

i got the same d**n email in my inbox.  i called and screamed at them i havent heard anything so i must of gotten to the right person. i was furious i even called my bank which went back for me and checked. i had nothing put in and stuff so i was really happy about that.  they r out of el paso tx from wot i have found. so hopefully something will be done about this.