ACS Debt Recovery review: Fraudulant Company/Scam 1

I was originally contact by this company April 22, 2014 with the following e-mail.
LOAN INFORMATION

FILE:: A/5-4729
Due Amount- $946.74
Loan Company- ACS LEGAL GROUP

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

The Lender is filing these charges against you:
:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION

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 e-mail, 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 CREDIT BUEARUS, 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 $4896.47 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.

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR YOU CAN CAL US BETWEEN WORKING HOURS BETWEEN 9:30 TO 6:30 EST ON [protected]

ACS LEGAL GROUP
LEGAL GROUP OF ATTORNEYS
Copyright © 2006 ACS | Privacy | Terms of use

*One thing I would like to point out is that every time you see the letters "ACS" in this e-mail, they were highlighted. This could be where they changed the original wording of another company to their own. Just a thought.

I did not notice the mispellings, grammatical errors or anything the first time I read it because I was so shocked and almost had a panic attack reading it. I responded that I was currently unable to repay that loan because I was having some troubles financially at the time. I had taken out a pay day loan and I had missed the previous two payments so this scared me and I figured it was regarding that company. Here is the email that was sent back to me on April 23, 2014:
(my name)
SSN Ending with ****
We appreciate your intention to resolve this case. We discussed
with our account section about your financial hardships. We have below mention
options for you.

This email is to notify you:

1. We have Settlement amount for you
that if you can pay the one time Settlement Amount 3$90.00 by May 15,
then we can close your file with this amount only.

2. Or, You can come up with a payment
plan of $150.00 bi weekly till paid in full .

Do revert us with date of payment very
soon you read email, as the case in hand is time sensitive.

You can revert on this email id.

Regards,

James Faulkner

I immediately responded with, "Was that supposed to be $390?" He then responded with:

ACS INCORP Apr 23to me
Yes if you will give us $390 on May 15 then your case file will be closed
with that amount only and if you will pay $150 bi weekly then you have
to pay the total outstanding i.e $946.Do revert us ASAP.

Regards, James Faulkner

and this e-mail a few days later...

ACS INCORP Apr 26to me Very soon the case file will be downloaded against your name and
social as After giving several notifications we did not get any response from
your side. We will consider that you are ignoring this matter and you want to
dispute.

This is your last and final chance to settle this case. If you
don't take it seriously we will surely take hard steps against you. And you
will be the person who will be only responsible for the legal consequences.

If we do not receive any response from your side within 24Hrs.,
the case file will be downloaded automatically against your name and
social. & after that we will not be able to help you & you will receive
court summons at your door steps.

Do update us with your intention that you want to resolve this
case or you want to dispute.

Do revert ASAP.

Best Regards,

James Faulkner

*Notice the stupidity of getting a court summons at my door step. This was looking fishier and fishier as time went on. Here is the next e-mail:

The only mode of
payment we are allowed to accept below $500.00 is thru Money Pak card, and you do not have to give out any of your
personal information to anyone.

Note:Do not buy Greendot visa/Master card.

All you have to do is get a Money Pak voucher with $390.00 on
it from any of the stores mentioned below, scratch on the bottom on the back
side of the card, and provide us with the 14
digit reference number.

MONEY PAK IS AVAILABLE AT THESE STORES NATIONWIDE:

WALMART
CVS/PHARMACY
K MART
WALGREENS
RITE AID
7 ELEVEN

Kindly fill the information below and get back to us .

MONEY PAK

Full Name

Address
City State Zip

Phone Number

Money Pak Number(14
digits)

Amount $390.00

Do revert us with your confirmation of this
email.

Regards,

James Faulkner

*This is what really got me concerned. What REAL company does business through Money Pak/Vanilla cards? That made me question everything really. I called my attorney and asked her what to do. She said it sounded like a scam. She said to request all loan documents and proof that I took out that loan. Here is the next e-mail:

Very soon the case file will be downloaded against your name and
social as After giving several notifications we did not get any response from
your side. We will consider that you are ignoring this matter and you want to
dispute.

This is your last and final chance to settle this case. If you
don't take it seriously we will surely take hard steps against you. And you
will be the person who will be only responsible for the legal consequences.

If we do not receive any response from your side within 24Hrs.,
the case file will be downloaded automatically against your name and
social. & after that we will not be able to help you & you will receive
court summons at your door steps.

Do update us with your intention that you want to resolve this
case or you want to dispute.

Do revert ASAP.

Best Regards,

James Faulkner

*I should point out that this e-mail was in SEVERAL different colors and fonts. They NEVER gave me any proof of what company I took the loan out of or any documents so I just assumed this was a scam and was advised to ignore them. I did so. A few months later I received this e-mail:

ACS INCORP Aug 13to me LOAN INFORMATION

FILE:: A/5-4729

Due Amount- $846.74
Loan Company- ACS LEGAL GROUP

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

The Lender is filing these charges against you:

(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION

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 e-mail, 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 CREDIT BUEARUS, 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 $4896.47 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.

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL

*Notice how they say to contact them through "EMAIL" ? Here's the next e-mail:

ACS Debt Collection Jul 25to me Due to: ACS
INC.

Amount Due:
$965.75

Case File
#:A-0714024

As we put your
Social Security Number into our National Checking Database System, we found
that you have been never charged for a fraud activity & that’s the
reason Court House 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 Social
Security Number.

We regret that if we
do not receive your response within the next 48 hours, we shall have no
alternative but to take action through your local County Courthouse to recover
the amount due together with court costs and legal fees which is approximately
$4252.86.

AS YOU ARE A
DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS
ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF
FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK
FRAUD

(3) THEFT BY
DECEPTION

If Court action is
taken and Judgment / Decree obtained against you to recover the sum due, we may
need to ask the court to make one of the following orders should the debt
remain unpaid:-

·
Warrant of Execution (Exceptional Attachment Order). Seizure and sale of
movable non-essential assets / property by a County Court Bailiff or Sheriff
Officer

·
Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by
your employer or arrestment of part of your salary to satisfy the debt

The Factual Basis
for the complaints is as follows:-

You agreed to return
the funds from the aforementioned income advancement as per contract.

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.

At present, ACS INC
is seeking either of the following remedies:-

All funds to be
returned as per terms of initial contract

Dear Customer as we
were investigating your profile, we found you to be a genuine person so it is
our duty to help you out but for that we need some right answers from your side.
Also we would like to know your intentions

If you have recently
settled this account, please contact us immediately to avoid further action.
Otherwise, payment options are set out overleaf or alternatively call us or
email us right now to pay or agree to a
payment plan with us.

AGAIN IF YOU WANT TO
RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL OR CALL US DURING
WORKING HOURS (From Monday To Friday 09:00 AM to 05:00 PM EST) on
+1-321
473 4621

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

Yours sincerely

Collections &
Legal Department

ACS LEGAL | Privacy| Terms of use