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ACS Reports & Reviews (210)

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Final legal notice i received from American Cash Services. I have not heard of this until today. ACS law firm emailed me with the amount i owe. I looked this up and it is a scam.

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- Crocker, MO, USA
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Recieved an email from this company claiming I was a "defaulter" on this line of credit and was delinquent in paying I could pay the full amount within 48 hrs or legal proceedings would start.

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- Dadeville, AL, USA
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CASE FILE : P-1508

LOAN INFORMATION

DUE AMOUNT- $851.88

LOAN COMPANY- ACS Incorp.

This is to inform you, that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Federal Government, so before the case if filed 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 have left 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) ELECTRONIC FUND TRANSFER FRAUD.

Now this means few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department 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 from our company 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 CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $4271.15, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have/can't afford one then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary.

IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH E-MAIL.

(DISTRICT ATTORNEY)

?

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- Arlington, TX, USA
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I recieved some random email to something I have absolutely no clue about.

Case File No: 55A-02901379

Balance Dues Amount: $980.76

Date:- May 17th 2021

Subject: Notice of Legal Proceedings against fraud activity

Dear Debtor,

This is to notify you and requires your immediate attention. We have tried contacting you on numerous occasions regarding the following unpaid account which is now overdue.

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, A.C.E 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 $5865.36 against you, we request you to kindly pay the Court Restitution Amount which is $980.76 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 50-55% 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 lawsuit is received, we may need to ask the court to give one of the following order, should the debt remain unpaid: -

Attachment (Earnings Arrest). Deduction from your wage by your employer or arrest 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 parole 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.

At present, Advance Cash 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 $980.76 to settle this case.

To resolve this issue contact us during the working hours Monday to Friday to this Email.

We have settlement amount for you:

1. If you can make a one-time payment of $400.00 by today then we can close your case file with this amount only.

2. If you are looking for bi-weekly payment then you have to pay a total amount of $500.00 with payment arrangement and you can pay $100.00 bi-weekly till paid in full.

3. If you are looking for monthly payment then you have to pay a total amount of $600.00 with payment arrangement and you can pay $200.00 monthly till paid in full.

Kindly let us know what type of payment arrangement you are looking for.

Do provide us with the date on which you can pay so that we can update your account.

NOTE: This Case Is Under Investigation with Major Credit Bureaus. If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $5873.81.

Regards,

ACE Legal Group of Attorneys.

Advance Incorp © 2021 | | Terms of Use | Careers | Complaints | Privacy Policy

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- Lexington, MS, USA
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I have included a screen shot

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- Fort Lauderdale, FL, USA
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ACS INC

1:45 PM (15 minutes ago)

to ACS, bcc: me

Case File # : RN-7234705

Balance Amount: $964.52

Dear Debtor,

We represent Advance Cash Services and we have been informed about an overdue account that you have with us. As per the company, the pending amount is $964.52 including the initial loan amount, the interest rate, and the late charges.

You are informed so that you can get the last chance to pay off the account and get eligible for another loan shortly. Just in case you avoid this e-mail or you have some other ideas regarding this unpaid loan, we the Law Firm, and the Creditor have entire rights to inform your Employer about this situation as you have provided that information as a security towards the loan. Your credit will hurt badly and you will not be approved for any type of loan or credit line in the future.

You were approved instantly by the Creditor and the loan amount was deposited in your checking account just after the day it was approved, so it was supposed to be repaid on the due dates. As a rule, it was supposed to be repaid with your next paycheck every time it was due. As has been mentioned earlier, there were extension options only in some states and it was told that your state does not allow such practices. In case your state was on such a list, you would have never received this kind of collection email.

If you understand, there was no credit check involved in getting this loan, however, it will be done now and you will be responsible for any damage to your credit score.

We would like you to simply email us back and let us know about the arrangement you can do to pay it off or if you can do a one-time payment, we will allow you to clear it as fast as you can.

IF YOU WANT TO RESOLVE THIS MATTER THEN CONTACT US IMMEDIATELY THROUGH AN EMAIL.

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

Yours sincerely

(ACS Incorporation)

Collections & Legal Department

ACS LEGAL | Privacy |Career| Terms of use

Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

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- Marion, OH, USA
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I received an email from ACS, Inc., threatening me with a lawsuit, suspending my SS number, report to the FBI, etc. This supposedly is for a delinquent payday loan. I don't have a payday loan.

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- Iredell, TX, USA
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I received an email that was was supposedly from a lawyer saying I had an outstanding payday loan and that this was my final notice before they would start legal proceedings. There were several problems that made it obvious this was a scam:

1) I have NEVER taken a payday loan.

2) I haven’t lived at the address they claim I live at for years and wasn’t living there in the supposed date the supposed loan was taken out

3) I have even been married and the name they have on the supposed loan wasn’t even my legal name by the date they claim I took the loan.

4) there were multiple addresses provided for the company (one from NY, and two from San Diego.)

5) there was no phone number available to call and they wanted me to send info to a *********@gmail account.

All I can say is back off. Don’t try to scam someone with supposed debt collections when that person is 100% debt free and has been for many years. Makes me sick; go get a real job like the rest of us.

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I received an email from the email listed above threatening me that they were taking me to court. I don’t owe anything like that.

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- Somerville, OH, USA
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This is what they sent me and after send emails back in forth they never told me any information on where to make payment and the name of the place and I’ve asked them like 10 times and still won’t give me the information I need!

We are going to file a lawsuit in the next 24 hours at ****** ****** ******** ***** ** * *** **** **** * **** **** *********** ** ****** ****** ****** against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you; kindly update us ASAP so that we can proceed.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $3203.86.

Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries.

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- Columbus, OH, USA
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I received an email from [email protected] informing me I missed a payment to a cash advance service (a service I have never used) to pay an amount that is very similar to my mortgage payment amount. Attached are screenshots of the email message.

The email gave no contact info except to reply back to the email. It gave no person's name. It does not give enough information to know who, exactly, is collecting, the month of the missed payment, what loan the payment was for, what state the legal action would take place in, or anything which could be verifiable if it were a real debt collection letter. None of the terms at the bottom which are supposed to be links (Terms of Use, Careers, Complaints, Privacy Policy) are actual links. It is an obvious scam.

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In was contacted from Debt Collection Agency from New York called ACE [email protected].

There claiming I owe $2508.40

Have read other stories on here with the same exact email. Just different amounts. Be careful there targeting senoirs, and someone vulnerable.

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- Kenova, WV, USA
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I immediately looked up this "company" and it said they had been actively scamming people and threatening with legal action for debts in 2013-14. They claimed I owed a what appeared to be a check/cash advance company and the thing is I haven't had checks literally in years which raised a red flag immediately. They threatened to put out a warrant for my arrest with my local court house but, because they could tell from their investigation I was a genuine person and had never been charged with fraud before, they were going to give me a chance to repay my debt. I received a phone call like this many years ago and I know that scams resurface. They ask you to call them but give no phone number. They also mention United Legal Investigation Bureau had stated 3 serious allegations against me: Violation of Federal Banking Regulation; Collateral Check Fraud; and Theft by Deception. They also threatened to seize any moveable assets or garnish my wages. The check or loan amount listed was $1400 which I wouldn't have been eligible for based on my earnings at any cash advance establishment.

Don't we have enough problems without these email type terrorists coming at us by email?

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Phone Scam - I received a phone call today from someone asking for my husband. When I told the caller I was his wife and could help he proceeded to tell me he was calling from ACS for payment of a past balance over $400 (I don't remember the exact amt). I asked him what it was for he told me Work Health. I advised my husband has worked for the same company for 30 years and has never been to work health. He said "well it is a very old balance from 2015" I insisted he had the wrong person. This person not only read off my husbands full legal name but also had his social security number. I asked for more information about the balance so he gave me a "claim number". When I asked for a phone number to the company to inquire further he said he didn't have it. Then asked if I was declining to pay. I said "of course because this is not for my husband". He said he would mark it declined. When I asked for more information he hung up. The phone number the person called from was 833-637-0274.

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- Helotes, TX, USA
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Stay away from ACS INCORPORATION

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- Dry Creek, LA, USA
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Under the FDCPA Act of US Govt, you are found to be the debt defaulter of my Client ADVANCE CASH SERVICES. Now the company has decided to put this case in Court House. As Attorney, I am sending you some Case related details and within seven to ten days you will get the court paper at your doorstep.

Court House Address : United States Courthouse

801 North Florida Avenue

Tampa, FL 33602

Total Fees $3250.00 (Including Court Fees, Attorney

Taxes and Loan Amount with Interest)

PAYMENT DUE- $988.00 ($320 Monthly $240 Biweekly $160 Weekly)

ONE TIME SETTLEMENT AMOUNT - $680.00 TODAY ONLY OR HALF

Case File :- USA-457821

PS. In Next 72 Hours, Court Summons Copy will forward to you and the nearest Police Station.

Regards,

ACS LEGAL DEPARTMENT.

this was just the beginning. almost 40 emails later they tell me to get a prepaid card to make a payment to them and only a prepaid card.

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- Inglewood, CA, USA
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Received numerous emails from a "Mark Smith" claiming to be Senior Investigation Officer and Senior Attorney (Debt Collections Team). This individual used improper grammar from the beginning. Said he was from ACS Incorporation. He went from saying that I owed $1249.68 but I could settle for $750. Then he said that once my documents would be "downloaded" into court, I'd have to pay $4206. I decided to entertain this individual and asked for a copy of the agreement I electronically signed. He would not send me anything and claimed that because it was done thru the payday website, he did not have a copy of the agreement. I asked for a phone number to the collection's agency he was with and he claimed that because of CoVid, they were operating in a small team so they didn't have a phone number and all contact was via email. He gave me a "headquarters" address in New York that is not associated with ACS Incorporated. Being that he claimed he was an attorney, I asked him to give me his Bar Number. He ignored my request every time. I work for a law firm so I knew what to ask for. This Mark Smith continued to go round and round ignoring my requests and would basically just copy and paste previous emails trying to scare me into sending money for payment and avoid court. I found complaints on ScamPulse.com so I copied and pasted the link as well as other complaints with similar verbiage. Once I did that, I received an email from him claiming that it was an arrest warrant and I would be arrested at my home in 6 days. Again, I continued to entertain him and thanked him for the "warrant" and said I would show it to the attorney at work. I also mentioned I have friends in law enforcement as well as in federal law and I am aware that warrants are not issued via email. Lastly I asked Mr. "Mark Smith" if he could share with me the method of payment out of curiosity. The next email made me laugh and confirmed the total scam. This individual asked me to go to either a Walmart/CVS/Walgreens/7 Eleven/Family Dollar/Rite Aid/Dollar General and purchase a Vanilla Card. A Vanilla Card is basically a prepaid card. He asked me to email him back and include my full name, 16 digit card number, "Expiry" date, CVV code, billing address associated with the card, zip code and the amount. He also asked to attach the receipt and images of both front and back of card. He said I could settle out by sending $250. Mind you he went from initially asking for $750 to $4206 and finally just $250. My response to his email was basically laughing at him and telling him that I feel sorry for those he has truly scammed. Please, Please, Please do NOT fall for this scam!!! I am including the body of the initial email below as reference.

FINAL CHANCE TO RESOLVE THIS MATTER

CASE FILE #: HM/27A/98-36471

AMOUNT DUE - $1249.68

CLOSING AMOUNT TO FREEZE DOWN THIS CASE FILE BY TODAY- $750.00

Your case file # HM/27A/98-36471 is handling by LEGAL DEPARTMENT OF ACS INCORPORATION and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file HM/27A/98-36471 BEFORE WE DOWNLOAD YOUR CASE FILE # HM/27A/98-36471 INTO THE COURT HOUSE.

This is in reference to your Case File HM/27A/98-36471 with ACS (ACE 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 $1249.68

It may be possible that you may have some financial hardship with you.

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by Today then we will close this account as paid off in full with zero balance.

We do hope that you will work out with this offer which is CLOSING AMOUNT - $750.00 Or, else we won't be able to help you out.

Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.

The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

You can avoid this by taking care of this now.

It is quick and easy:

Do reply to us right now and provide us the date on which you can make the payment.

If you do not take immediate action we will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a lawsuit which will be a penalty of $4515.85 and your bank account will be closed. it will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name $1249.68

IF YOU WANT TO RESOLVE THIS MATTER THEN REPLY US BACK ASAP IN ORDER TO SETTLE THIS ACCOUNT (TIMINGS- BETWEEN 09:30 AM TO 06:30 PM EST).

UNITED STATES ATTORNEY

Best Wishes,

Mark Smith

Sr. Investigation Officer

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- Silver Spring, MD, USA
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I was contacted by this fraudulent company stating that I committed serious false crimes and threatened that I would be arrested. I want to report this company so that they can no longer harass or threaten any other individual as well as put a stoppage to them ever contacting me again in the future. Attached is a screen shot of what I was emailed. Unfortunately I was only able to upload one picture. Please look into this immediately so that no one falls for there scams these people need to be prosecuted. I do not want them contacting me anymore thank you.

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- South Range, MI, USA
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Multiple emails stating I owe for a payday loan I’ve never had. Threatening legal action. Never any documents given, mail or phones calls. Just threatening emails. No company info given either.

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- Oldsmar, FL, USA
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Claiming they are the district attorney and I have debt that needs to be paid.

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