This is the second time I have received an email from an agency called ACS, Inc. for a loan that I never obtained. They are threatening collection and court action against me stating that I "supposedly" owe them $840.00. They also indicate that I do not make an immediate payment they wil contact my employer to arrange for a payment to be deducted from my payroll or account to resolve the matter without going to court. I retained copies of their previous emails because they refused to provide me with details regarding this account, but they have my social security information, email and banking information.