Complaint Review: Loan Company- ACS Incorp - Select State/Province

*I received the email below about 2 weeks ago, but I just ignored it, because I knew it was spam. Then, today out of the blue, I get a phone call from a "Mark Decker" from a "S & T Law Firm" and phone number (202) 652-2408. The guy who left a message on my voicemail made it sound urgent that I call him back, so not thinking, I return his phone call. These LAMES who do not have anything better else to do, were very rude and very condescending. They were alleging that I committed check fraud back in 2010. I hung up on them and decided to contact my bank, and my bank stated that they did not have any type of claim against me or that there were any pending suits against me from them. The bank told me to be "cautious", because it sounds like a scam.

Then, I contacted my local county police department to see if I have any warrants out for me and also I called my local worthless checks division unit. Both said I was clear and there were not any current pending charges against me. They even got ahold of my sister's cell phone number, called her and disclosed "the lawsuit information" to her. She told them that did not sound anything like me. My thing is, if they're legitimate, why would they even disclose that to her, that is supposed to be confidential. I know this is scam, I have no doubt about that. I'm just concerned with B****** like that who have access to my personal information. 

LOAN INFORMATION

Due Amount-$825.86

Loan Company- ACS Incorp.

You are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION 

(2) COLLATERAL CHECK FRAUD 

(3) THEFT BY DECEPTION 

(4) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER

Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager 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 from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

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

And once you found guilty into the court house than you have to bear the entire cost for this law suit $4271.15 which is excluding loan amount, attorney's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1 347 670 4001 between  9.30 to 6.30 (EST).

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON   +1 347 670 4001.

UNITED STATES OF ATTORNEY

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