topic Re: ACS INC Debt Collectors or Scam? in Rebuilding Your Credit

ACS INC Debt Collectors or Scam?

Anonymous — Mon, 04 Aug 2014 19:12:35 GMT

OK out of no where I have gotten an email from these people saying I owe them money from a loan I have this feeling that something is not good. I just gave them 200 they told me to put it on a greendot money pak I'm wondering if I should keep paying them and this is the first time they contact me I never have got mails or anything. They have said at the final payment they will send me a summary of everything. Idk what to do. Has anyone else having these issues with them?

Re: ACS INC Debt Collectors or Scam?

Anonymous — Mon, 04 Aug 2014 19:26:13 GMT

in my opinon it sounds fishy asking for money on with a geendot money pak, as then funds will be untraceable. lets let some others chime in.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Mon, 04 Aug 2014 20:29:04 GMT

@Anonymous wrote:
OK out of no where I have gotten an email from these people saying I owe them money from a loan I have this feeling that something is not good. I just gave them 200 they told me to put it on a greendot money pak I'm wondering if I should keep paying them and this is the first time they contact me I never have got mails or anything. They have said at the final payment they will send me a summary of everything. Idk what to do. Has anyone else having these issues with them?

This is a scam! I've gotten emails from them before as well. Please don't put any money on greendot money pak...these are used frequently by people who don't want the money to be traced. Also, pay close attention to the email. They dont address you by your name and give no specifics to what the "debt" really is. Curious to see if anyone else has received emails from them.

EDIT: Google the company name - has scam written all over it.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Mon, 04 Aug 2014 21:31:49 GMT

I have google it and there is no website nothing just spams about it.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 05 Aug 2014 00:11:12 GMT

Here is what they emailed me about
On Jul 11, 2014 11:25 AM, "ACS INC" <collection.debt.usa.payday@gmail.com> wrote:
ACCOUNT: D54-745812
LOAN/DEBT INFORMATION
DUE AMOUNT-$955.75
LOAN COMPANY/LENDER - CASH ADVANCE

We are here by 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 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 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION

Now, 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 FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.

And once you found guilty into the court house than you have to bear the entire cost for this law suit $4816.16 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 shall be appointed to you.

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 0830 to 1830 (EST)

Regards,
ACS INCORP.
Copyright © 2006 ACS INC | Privacy | 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, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is 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

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 05 Aug 2014 00:44:44 GMT

That is the exact email I received from them. A legitimate company will not ask you to pay them with a greendot money pack. If this company cannot provide you details of what you're paying for before you fork over money, something's up.

Re: ACS INC Debt Collectors or Scam?

0REDSOX7 — Tue, 05 Aug 2014 00:44:46 GMT

Scam.

Email is not a legal way to communicate with regards to debt collection.

Re: ACS INC Debt Collectors or Scam?

gdale6 — Tue, 05 Aug 2014 01:02:19 GMT

@0REDSOX7 wrote:
Scam.

Email is not a legal way to communicate with regards to debt collection.

Re: ACS INC Debt Collectors or Scam?

gdale6 — Tue, 05 Aug 2014 01:03:17 GMT

@Anonymous wrote:
Here is what they emailed me about
@on Jul 11, 2014 11:25 AM, "ACS INC" <collection.debt.usa.payday@gmail.com> wrote:
ACCOUNT: D54-745812
LOAN/DEBT INFORMATION
DUE AMOUNT-$955.75
LOAN COMPANY/LENDER - CASH ADVANCE

We are here by 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 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 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION

Now, 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 FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.

And once you found guilty into the court house than you have to bear the entire cost for this law suit $4816.16 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 shall be appointed to you.

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 0830 to 1830 (EST)

Regards,
ACS INCORP.
Copyright © 2006 ACS INC | Privacy | 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, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is 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

Turn this entire fraud over to your states AG and the FTC.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 05 Aug 2014 01:17:19 GMT

I am going to find that ag and the ftc and go show it to them what these people are doing is not right I have 3 little onestho ttake care and they took my money just like nothing.

Re: ACS INC Debt Collectors or Scam?

buildafico — Tue, 05 Aug 2014 02:33:46 GMT

Scam. They get your info off payday brokering sites posing as potential lender, then periodically check SSN's to see if they pop up owing a balance, then the scam begins. I almost paid them !

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 05 Aug 2014 02:44:11 GMT

Yeah I just gave them 200 but I had a feeling that I shouldn't have given it to them. Should of followed my gut feeling instead. I was wondering how they got my social they knew my last four numbers.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 19:19:46 GMT

I just reicved the same e-mail this morning. I asked them to send me the paper work so that I could see where this loan had come from. They told me that under law 59 that the company could not see me that information. They said that I would be going to jail and would have to pay them $4000 and some change. But if I sent them $531 today they debt would be payed. But it went from $300 to $961 it might be more i am not sure. I was told that I would pay court cost and the lawer fee. They would not give me the name of the company or the date of this loan. I don't know if this is real or not but the loans that I have come out of my account when they are due.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 20:11:44 GMT

@Anonymous wrote:
OK out of no where I have gotten an email from these people saying I owe them money from a loan I have this feeling that something is not good. I just gave them 200 they told me to put it on a greendot money pak I'm wondering if I should keep paying them and this is the first time they contact me I never have got mails or anything. They have said at the final payment they will send me a summary of everything. Idk what to do. Has anyone else having these issues with them?

Oh hell no! Anytime they tell you to put it on a green dot card thats SCAM from the word go.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 20:15:56 GMT

@Anonymous wrote:
I just reicved the same e-mail this morning. I asked them to send me the paper work so that I could see where this loan had come from. They told me that under law 59 that the company could not see me that information. They said that I would be going to jail and would have to pay them $4000 and some change. But if I sent them $531 today they debt would be payed. But it went from $300 to $961 it might be more i am not sure. I was told that I would pay court cost and the lawer fee. They would not give me the name of the company or the date of this loan. I don't know if this is real or not but the loans that I have come out of my account when they are due.

This is a total scam, do not EVER reply to emails sent to you out of the blue by a supposed collection agent. Tell them to send the Sheriff right on over, you'll be waiting for him.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 21:18:22 GMT

This is a scam, do NOT send them any money! They make money off of people that don't investigate things further and just automatically pay what they ask.

One of my co-workers was contacted by them as well. The emails they sent her here at work were quite laughable. In one, they even provided a "case #" that they filed in court. She would have sent them money too if she hadn't asked me about it and I did research on them. The "case #" they provided isn't even something the court would provide.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 21:31:21 GMT

http://www.consumer.ftc.gov/blog/debt-collector-real

Re: ACS INC Debt Collectors or Scam?

buildafico — Tue, 20 Jan 2015 22:06:08 GMT

ALWAYS, ask for verification or validation depending upon the situation. If a debt colletor will not send you a written notice or an address to send notices to, they are fake. Also be aware that certain scams use the names of actual debt collection companies, its always best to ask the name of the company and research them to find a number listed on a company website. Its way to easy these days to spoof a caller ID and appear legit.

Re: ACS INC Debt Collectors or Scam?

Anonymous — Tue, 20 Jan 2015 22:11:34 GMT

It's sad that people still fall for these scams :-/

Re: ACS INC Debt Collectors or Scam?

RobertEG — Tue, 20 Jan 2015 23:29:18 GMT

The FDCPA violations within that letter for threatening action they dont intend or cannot take are manifiest.

It also is an initial communication with the consumer, which triggered their requirement to send formal dunnunig notice within 5 days thereafter,

Dunning notice must, in addition ot informing of validation rieghts, include the name of the currrent creditor and the amount of the current debt.

I presume they never sent dunning notice, which regardless of whether there are any other violations, constitues basis for notification of improper collection practices to the CFPB and/or your state AG. It would also be basis for your own civil action.