ACS Inc. (Phony Debt Collector)

I have been continually harassed by this company for payment .I paid once 3 years ago and still have the reciept yet they still threaten my wages
I took out a loan in 2013 with a company online. I tried to repay 5 days later but the company informed me that my account didnt exist. I called my bank and they said no one had tried to take a payment out .I continued to try to pay for a year until they sent my debt to collections .Once there I sent a payment via western union to clear my name .They said they recieved the payment but could not close the file as I had several more loans out! I never took out more than one loan in the entire duration of my life so I know thats wrong yet they still continue to threaten my wages

I was cleared of all debt back in 2014 when I filed bankruptcy in Riverside County
they keep send me arrest warrant and harassing email with threats etc....

Receiving emails "Attorney Name- STEPHEN H.
Ref ID- TF-XXXXXXX @ District Courthouse, CALLING YOUR LOCAL SHERIFF DEPARTMENT@KFZXXXXXX"
Threats to contact local Enforcement to seize bank account and properties registered against me. Here is one email example:

"This is to inform you that we are going to call the Enforcement Department along with your Local Sheriff Department to seize your Bank Account along with all legal documents, properties and a case will be registered against your Name by our Attorney today. You will be disqualified from your current employer as well as your Social Security will be put on hold. This action will affect your credit rating as well. This is the last option we have because you have no intention to pay your previous due account. If you take the notice lightly, this action will take place immediately with no further notice.

Note- As per given permission by Government, we reserve rights to seize Bank Accounts along with all legal documents, properties. So, we urge you to respond us within given period of time so that we can resolve this matter."

I received this email today from [email protected]

Good Morning,
This is Senior Attorney Paul A.,
We really appreciate your response in order to settle this matter. AS you are stated like this, we also provide a Settlement Amount, which we can do for you, be -
1. We can provide you the Settlement Amount of $734.27 that has to be paid on June 1st, 2018 (as paid in full with zero balance) or,
2.If you are looking for a payment on the settlement amount, the Settlement Amount would be $800.00 and we can split it into two equal payments each of $400.00 that has to be paid bi-weekly or,
3. If you are not able to work with the given settlement amount then the best we can do for you is we can split the Total Outstanding balance which is $900.00 into four equal payments each of $225.00. Kindly confirm us the four dates on which you can make your payment of $225.00 each and you have to make these payments Bi-weekly starting from this week.
Kindly let us know one the option that is affordable for you so that we can update our accounts department in order to put your account on hold.
Note: Once you will pay the settlement amount then we will provide you a Payment Receipt & Settlement Certificate stating that this account has been paid in full with ZERO balance and you are no more debtors for the company. You will receive it by the end of the working day.
Do Revert ASAP
If you have any queries, you can call us at +1(979)-633-4344.
Thank you
Settlement Department
ᐧ

Intimidation email, failure to provide proof of actual debt, threatening seizure of personal bank accounts, and other legal recourse
Received email notifying me of a pending lawsuit sent by Paul H. When I called the 321 area code number the gentleman could not provide the name of the creditor, stating that they have over 125 payday loan companies, and to reply to the email I received as the best way to find the answers I needed. I replied to the email asking for proof of loan documentation and asked that it be sent via certified mail. Received threatening email in return, with PDF attached of a loan settlement option with no company or address identified.

I'm being harassed by ACS, but I am unsure if it is the real company thats contacting me. the last email had stated that I would be arrested
I received this email today. I have recieved others like this but from different email addresses. I havent responsed to any one of them even this one. since I have been tomd tbat companies will call and send you letters through mail and occasionally use there work-email accounts to get a hold of you. but this one never did.

On May 10, 2018, at 7:30 AM, ACS INCOPR wrote:

United States District Court
CASH-ADVANCE SERVICES
CASH-ADVANCE LEGAL DEPARTMENT OF WIRE FRAUD
This is the last time we are notifying you to take care of this debt if you failed to respond us back ten this case will be directly forwarded to the court house as well as to the credit bureaus once you will be blacklisted as you have failed to make the payment.
ARREST NOTICE
Be Ready To Be Arrest On May 11th 2018.
Settlement amount- $400.00 by today

Dear Debtor,

As you are a defaulter on this credit, united legal investigation bureau has stated three serious allegations against you and they are:

(1) Violation of federal banking regulation
(2) Collateral check fraud
(3) Theft by deception

This is in reference to your Case File WA/55B/XX-XXXXX with ACS (ADVANCE CASH SERVICES) in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 (Internet Crime Complaint Centre) has decided to mark this case as a flat refusal and press charges against you.

Your account with ACS is in Final Collections. According to our records, your outstanding balance was $990.00

If you will not resolve this issue outside of the court house than we have to take legal action against you and thereafter with in 24 hrs the local sheriff county officer will land up at your door steps and will provide you the hard copy of arrest warrant, court summons and court subpoenas.

Do revert back ASAP with your intention.

Thank You

Regards
Alex C.
Sr. Investigation Officer (Department - Law Enforcement)

Ace Inc. sending e-mail for a pay day loan. No contact info but a e-mail address. I have tried to contact company before about loan but got no info.
Received e-mail Case File No:XXXXXX Balance amount: $970.85 Creditor Pay Day Loan Services Case File Transferred To ACE- May 2018, that the loan Was ACS INC. I have tried to contact this company before, comes around every 2 or 3 months. No responce from my e-mail only to tell me I owe the money and will be taken to court. Noletter or phone calls. the e-mail reads The factual Basis for the complaint are as follow: You accepted to return the funds from this aforementioned pending loan. And as agreement the funds have yet to be returned and collateral has proven to be null and is to say no value. At present ACS INC is seeking either of the following remedies>All funds to be returned as per terms of initial contract. Goes on to say: 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 $970.85 to settle this case. To resolve this issue contact us during the working hours Monday to Saturday 09:00AM to 05:00Pm EDT by replying to this e-mail to get in touch with the representative. Yours sincerely Collections & Legal Department ACS Inc. 2018

Fake and phoney collection debts.
Case File Number-RK-XXXXXXXX-SC
Last Date To File Case- May 31th 2018.
Balance Amount: $970.85

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 $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $970.85. 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.

This is ACS (Ace cash services), it is a parent payday loan company which owns and operates more than 350 parental payday loan websites, SPEEDY CASH ,CASH NET USA, CASH AMERICA & 500 CASH ADVANCE PAYDAY MAX, 2-MINUTE PAYDAY LOANS etc. 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. We would like to update you, the initial loan amount was $300.00. And now with the late fees and tax, Rate of Interest the initial amount of $300.00 goes up to $970.85.
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, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

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. I 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.

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 $970.85 to settle this case.

To resolve this issue contact us during the working hours Monday to Saturday 09:00 AM to 05:00 PM EDT by reply back to this E-mail to get in touch with the representative.

Yours sincerely
Collections & Legal Department
ACS Inc (c) 2018 Terms of Use Careers Complaints Privacy Policy
Confidentiality Statement & Notice: This email is covered

Terrible spelling and wording, terrible grammar, unable to keep amounts consistent in the email, and very threatening.
They can't spell/use proper grammar, an arrest warrant cannot be sent via email (nor can a threat), and they don't even give a callback number for the supposed "officer" who sent the email. I sense a scam.

This fake company is claiming that I owe a debt that isn't real and are threatening me.
They sent me an email, here it is:
CASE FILE #: CA-152/A26/XXXXX

Settlement Amount: $469.00

Urgent: Please rectify this matter immediately.

Despite my previous reminders, the above invoice for $469.00 remains unpaid. As such, we would appreciate you making this payment as soon as possible.

This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25-30% percent of your disposable earnings and make payment to the court on your behalf.

Why am I receiving this notice?

You took out a loan of $400.00 and did not pay it back that's why,The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice; Garnish wages owed to a Debtor after the Small Claims Court has made an order that you owe money. On March 21st 2018, we received a garnishment order from a court to freeze/remove funds in your account. The amount of the garnishment order was for $1423.13. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.

I regret to advise that unless payment is received by this invoice will be passed over to a courthouse/lawyer. This could seriously affect your credit rating so I urge you to contact us immediately to make payment or arrange an alternative before this date. Please reach out to us immediately if you would like to set up a repayment plan."

Received email stating I have a debt of $964.22 that I need to pay or I am going to face prosecution for 1. VIOLATION OF FEDERAL BANKING REGULATION.

April 16, 2018, Case file #-SPXXXXXXDP

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO CREDIT BUREAU,FBI,FTC, YOUR EMPLOYER AND BANK REGARDING THIS FRAUD.

ACS, Inc. emailed me and threatened to call my local sheriff's office if I didn't pay $500 within three hours.
ACS, Inc. emailed me and threatened to call my local sheriff's office if I didn't pay $500 within three hours. The email I received was filled with grammatically incorrect sentences. The header of the email also stated they were affiliated with the Social Security Administration and The Major Credit Bureaus.

Keep getting emails from a phony debt collector. The dollar amount keeps going up, they say they are going garnish our wages etc. Iannoying.
We did not purchase anything. Never heard of the company.

I have received multiple phone calls from this company and now this email:
I do not owe anyone the money they are claiming I owe. I check my credit regularly!

CASE FILE #: XXXXXXXX

LOAN INFORMATION

DUE AMOUNT-$955.75
LOAN COMPANY/LENDER - ACS INCORPORATION.
CASE FILE TRANSFERRED : April,3rd 2018

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 Revdex.com, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

Once you found guilty into the court house then 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 believe that this was not your intent and that these steps are unnecessary. IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH AN EMAIL BETWEEN WORKING HOUR from 09:00 AM to 06:00 PM (EST).

NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.

Yours sincerely

Collections & Legal Department

Company claims I took out payday loan and that I owe $350 which needs to be paid in 1 week or it increases to $956.76
I received an email from a Jason R., Attorney at Law for ACS, Inc stating that I took out a payday loan with one of their companies and did not repay it. It states that my settlement amount is $350 and that it needs to be paid in 7 days, otherwise the amount increases to the actual loan amount of $965.76. If I don't respond then it will go to court and I will have to pay $2584.63. It states that I would also be served at my door with a court summons.

I have been contacted several times by this company stating that I have a debt with them that is past due.
Case No: HK-03/XXXXXX

Balance Amount: $964.52

Case File Transferred to ACS: - March 2018

At present, ACS INC is seeking either of the following remedies:-
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 $964.52 to settle this case.

Just received this email; I keep getting them from this company and I keep blocking them; they have been emailing me for about 5 years now; I do not owe this. I have credit karma and I check it daily; if I owe anything I would have gotten something in the mail since they have my address; but nothing but scam emails. I wish they would stop already; I'm about to delete my email and get a new one because of them.
This is the email I just received from them:

LAWSUIT COURT CASE FILE NO : CF-XXXXXXX

LAWSUIT COST - $3565.69 (INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES)
LAST DATE TO FILE LAWSUIT

LOAN INFORMATION

CASE FILE NO : CF-XXXXXXX

TOTAL AMOUNT - $864.86

CREDITOR: ACE CASH SERVICES

SETTLEMENT AMOUNT - $290.00

Your Docket no: XXXXXXXX, and CASE FILE NO : CF-XXXXXXX, Advance Cash Net Usa Services Company in order to notify you we were not able to get hold of your case file any more. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.. We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $3565.79 We give you last chance to settle this account else we have to forward this case for legal department,If once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to $3589.27

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. And our company (Acs Inc) has authorized us to recover the full amount due to them as we put your SSN into our national checking database system, we found that you have been never charged for a fraud activity & that is the reason court has decided to give you a chance to take care of this issue outside the court without having a report on your credit history and ssn. , If we don't receive any response from your side today, your case file *** be downloaded automatically against you. After that we are unable to help you and you *** receive court summons at your door steps with the cost of lawsuit around $3565.79.

If you would like to make a one-time final payment to settle your account, we can waive all fees and freeze the existing cash advance thus taking your balance down from $864.86 to $290.00 One-time final SETTLEMENT AMOUNT for TODAY Once you will have full & final receipt once you will make the payment ACS collection department we can send you settlement letter along with transaction ID stating that your account has been closed with zero balance for your record purpose.

NOTE- We are in a process to inform the Social Security Administration & Major Credit Bureaus as well.

NOTE : The Legal Charges Section 19(A), Clause 21(US) is against you and if you ignore this case then our legal department will take immediate action you.

We do hope that you will work out with this offer. Or, else we won't be able to help you out. You can avoid this by taking care of this now. Do revert back if you want to get rid of these legal consequences and want to make the settlement amount or else the case will be downloaded against you next week. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next *** which is a Lawsuit against you, but to do so you must take immediate action.

This email is to inform you that now you are directly contacted with accounts department of Ace and we are handling your case file so it is our request to you has to make the payment directly to accounts department.

We are talking about the creditor Ace Inc. ACS is the mother company which owns & operates more than 350 parental payday loan websites CASH NET USA, CASH AMERICA & 500 CASH ADVANCE, PERSONAL CASH ADVANCE, RAPID CASH, CASH AMERICA PAYDAY ADVANCE, SONIC PAYDAY, SPEEDY CASH CHECK CASH LOAN, EGG LOANS, QUICK PAYDAY, PERSONAL CASH ADVANCE, ALLIED CASH, SUPER PAWN, CHECK INTO CASH, CHECK SMART, CASH AMERICA NET, CASH AMERICA etc. And you have used CASH NET USA get this loan approved. as a user of the products and/or services offered by a Cash Advance Related Company.

This is our final notification to you as we found you to be a genuine person as told you before. If once the case gets download in the court then it will add late payment fees, Documentation fees, and Penalty fees, Judge Fees and Attorney Charges and Court

I have been receiving email threats from ACS for a couple of months now! I have requested them to send me proof of the debt they say I owe and I never receive anything! This is the last one I have received:
NOTICE OF LEGAL PROCEEDING!
Notice Under US Federal Law & FDCPA-811
(Action Required)

Case File#DVAXXXXXXX
The District Courthouse
Balance Due- $496.36
Last Date to File- 03/13/2018
Lawsuit File Cost# $8056.36
File Transferred- March 2018

We are going to file a lawsuit in next 12 hours at NEW YORK District Courthouse (89-17 Sutphin Blvd, New York, NY 10038) against your Name and SSN. After giving several notifications we didn't receive any response from your side. We will consider that you are ignoring this matter and you want to dispute this case file. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we don't hear from you on time/today, we will be compelled to seek legal representation in the Courthouse. 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.
Note:If we don't receive any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately $5825.35.
If we receive the payment on time thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining zero balance. Don't take the matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are:
1. Violation of federal banking regulation act 1983 (C)
2. Collateral check fraud
3. Theft by deception (ACC ACT 21A)
Which carries a maximum sentence of 3 years of prison and a fine up to $8056.36.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION (OOCR): All you do is email us back for taking care of this matter outside the court house. If you fail to respond within 12 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.
By requesting an offer in compromise, but if you fail to do that then we shall start the process of pressing those charges against you.
Thank you for your assistance in this matter

Best Wishes,
Richard H.
Legal Department

Obviously nothing in this is legal or true. I wish they could catch these people before they manage to scam anyone else. The main reason I checked them out to begin with was businesses do not use gmail.com for a legit business.

Suspicious email of a large debt that I appeared to owe to some company that is never stated who. threats of law suits and capture of property
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 $2771.52 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. 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, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

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 are 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.

Part of the initial email. in no other following or subsequent response have they described what the loan may be for.

I have received numerous now blocked calls plus threatening emails regarding a supposed past due balance.
These calls (which I have now blocked the number) and emails are stating I owe $734.27 for a bad debit from an alleged outstanding payday loan. In the past they've also reached out to family members of mine. My thought is that this is a multi-tired scam of information acquired when I submitted an application for a payday loan and then declined the offer.