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ACS Reports & Reviews (200)

Victim Location 33511
Type of a scam Debt Collections

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. The following applies to you:

Why am I receiving this notice?

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 Small Claims Court has made an order that you owe money. On December 10th, 2017 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.

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.

Victim Location 63389
Type of a scam Debt Collections

This company sent a email stating I owed a past due debt and wanted payment, however I have no record of this debt. I have never received any notice of any debt by mail. This company said payments can only be made by prepaid credit cards, or money gram from wal-mart.

Victim Location 79107
Type of a scam Advance Fee Loan

Received an email regarding a garnishment order for a loan. My name or the name of the creditor was never named. I asked for a contact number and name of the company and all I received was a telephone number. I had Googled the email address(which was a gmail account) and phone number given and several disturbing results came up. I then contacted the ScamPulse.com and once the representative searched the phone number, it immediately came up as a "Phony debt scam"

Victim Location 31211
Type of a scam Debt Collections

Email from a Paul Anderson from ACS explains this consumer owed $2,771.52. It did not say for what except "pending loan". The email also said that she would be arrested if she did not pay.

Victim Location 33860
Type of a scam Debt Collections

They are claiming I owe them $2771.52, but will settle for $964.52. They are threatening me with court and wage garnishment, job troubles, notifications to social security and other state and federal organizations. Notifying the local authorities and possible jail time for fraud and theft if I don’t pay at least the $964.52 right away.

Victim Location 32256
Type of a scam Debt Collections

Received an email claiming I had an unpaid payday loan and they were going to take me to court. I called to speak with them, requesting proof of the debt, how it was calculated, and who the debt was owed to. I also asked for a physical mailing address. None were supplied. I then called my bank and verified that now loan in that amount was ever deposited in my account that they claimed. When I confronted them, they hung up. Here is the email:

ACS INC Thu, Feb 8, 2018 at 11:29 AM

To: Acs LLC

Bcc: *VICTIMS EMAIL*

Case File # : APK - 02/48508

Balance Amount: $964.52

Case File Transferred to ACS: - February 2018

Dear *NAME*,

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.

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.

To resolve this issue reply us during the working hours Monday to Friday 09:00 AM to 05:00 PM EDT on (321) 473 7468 or reply back to this E-mail to get in touch with the representative.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS

Yours sincerely

Collections & Legal Department

ACS LEGAL DEPARTMENT

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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.

Victim Location 55309
Type of a scam Debt Collections

Legal Notice//1245789963

Case Format- Fair Debt Collection Act 811 (FC/SC)

Last Date of Lawsuit: January 29th, 2018

Settlement Amount: $521.00 for Today.

Dear Debtor,

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% percent of your disposable earnings and make payment to the court on your behalf. The following applies to you:

Before you are arrested

If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full.

After you are arrested

Once the warrant has been served, your only options are to serve the time in prison or pay the debt (plus costs) in full at the court house.

If you want to stop the garnishment deductions from your paycheck, you must obtain a release or pay the entire amount you owe, which you can pay with the help of One Vanilla Prepaid Card and American Express Prepaid Card in order to close this account.

What is garnishment?

Garnishment is a legal process that allows a creditor to remove funds from your [bank]/ [credit union] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you cannot use that money in your account.

Why am I receiving this notice?

On January 25th 2018 we received a garnishment order from a court to [freeze/remove] funds in your account. The amount of the garnishment order was for $978.52. 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 settlement amount.

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.

Sincerely

James Wood

Sr. Officer

Working Hours: 10.00 A.M to 6.00 P.M CST (Mon-Fri)

10.00 A.M to 1.00 P.M CST (Sat)

Victim Location 34652
Type of a scam Debt Collections

Plain text of the email and following emails after I decided to play along.

Email no 1

CASE FILE #: BN129654K

Settlement Amount: $734.27.

Dear Cory English,

Urgent: Please rectify this matter immediately.

This is in reference to your Case File Number BN129654K with ACS INC in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 (Internet Crime Complaint Center) has decided to make this case as a flat refusal and press charges against you.

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.

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

So, we are just giving you the last chance that if you just make a payment of $734.27 within Fifteen days, then we will close this account as paid in full with zero balance.

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 step which is a Lawsuit against you, but to do so you must take immediate action.

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 by jury then you have to bear a lawsuit, which will be amounting to $1423. 13 and 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.

Please reach out to us immediately if you would like to set up a repayment plan.

Email from them No 2

Hello

We are talking about the loan amount of $500.00 that you took with the company ACE – Ace loan online associate with A Parental Pay Day Advance Company, they do have a signed copy of the contract which is signed under your E-mail address, was also traced when you were signing the contract with the company.

ACE – Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute.

The LAW FIRM has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account.

If you are willing to resolve this case then we can provide you a one-time settlement offer of $734.27 that has to be paid till this Friday as paid in full with zero balance.

Note: This notice is provided to you on behalf of ACE – Ace Cash Express. And its parent company, and their respective family of companies including Cash Advance, its parent company, Cash America International, Inc., and all of their respective subsidiaries and affiliates,

(Hereafter collectively referred to as the “Cash Advance Related Companies,” “we,” “our,” or “us”). The Cash Advance Related Companies include, but are not limited to: Cash Advance, Cash America International, Inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade names Cash Advance, 100 Day Loan, Net loan USA, Fax free Cash, Payday one, Sonic Cash, Money Tree, Egg Loans, Check Cash Loan, Quick Payday, Personal Cash Advance, Rapid Cash, Sonic Payday, Speedy Cash, My Cash Now, National Payday, Paycheck Today, Payday OK, Cash Central Loans, Cash Net 500,Cash Net USA, Allied Cash, Super Pawn, Check into Cash, Check Smart, Ez Money Cash America Net, Cash America, Cash America Pawn, Cash Land, Super Pawn, Cash America Payday Advance, or any company-owned Mr. Payroll locations. “You” or “your” means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.

As per your contract in the event of a default, you would be contacted via the same email had you used to solicit the funds. If you did not get the email then,

1) Either you no longer have the email address,

2) You deleted the email thinking it's just another email advertisement to get a fresh loan or

3) You might be caught of identification theft

DO REVERT ASAP!

Thank you

Sr. Attorney Officer

I noticed they never named themselves nor what specific company.

Victim Location 60707
Type of a scam Debt Collections

I was emailed by [email protected] and another time by [email protected] stating that ACS, Inc had filed a lawsuit on me and won the case. They stated that unless I pay them within 4 days, they will garnish my wages. I replied to them that I do not owe any money to anyone and that I filed a complaint against them.

Victim Location 93234
Type of a scam Debt Collections

GOT AN EMAIL SAYING I NEEDED TO PAY A CAH ADVANCE LOAN BY THE END OF THE DAY OR THEY WOULD DOWNLOAD MY CASE FILE TO THE COURTS AND PRESS CHARGES AGAINST ME.WANTED MY TO PAY WITH PREPAID VANILLA CARD ONLY

Victim Location 55411
Type of a scam Advance Fee Loan

Keeps emailing me saying I owe for a payday loan that I never took. Has given me 3 different amounts that I owe. Threatened with law suit and being arrest. Name he uses is David Hall.

Victim Location 48346
Type of a scam Debt Collections

This company has been repeatly texting and e-mailing me saying I owe a debt to a payday loan company from 2011 and if I do not pay the amount owed they will file a court case in the state of New York. I have asked them repeatly to send me the paperwork reguarding this matter and they have refused. They have offer to settle out of court if I send them for $350.00 if I wire it to them by Friday, the original amount they said I would be sued for is $4206.00.

Victim Location 95207
Type of a scam Debt Collections

Hello,

I have been getting emails from this supposedly ACS and on many times I asked if they had documentation to show me that I have a loan with them and haven't sent me anything. They asked me to send them money on a prepaid card and I don't even see them on my credit report. when they send emails there is no phone number name or address.

From: ACS DEBT

Date: Thu, Sep 28, 2017 at 1:58 PM

Subject: COURT PROCEEDING

To: *** 

We have tried to several time work with you but as you are not co-operating with us. Then, unfortunately, we have forwarded your case file to the legal department of FDCP and IRS to put a hold on your Tax return and if it was released then it should be seized until the judgment of your case file with us. We already updated legal department to file the Court petition in Courthouse. Once the Court Summons will be signed by the court clerk we will update you one copy at your postal address along with one copy at following places:

1. Nearest Police Station

2. At your Employer

3. Internal Revenue Services

4. Federal Bureau for Credit

5. Bank with which you have accounts.

Regards,

Attorney of Advance America

Victim Location 94587
Type of a scam Debt Collections

Hello, I have been contacted by these people several times to be threatened and harassed. This is usually the message I receive on a weekly to bi-weekly basis.

Case File: FR-127/A26/32186

One Time Payoff Amount for Till Friday: $956.27.

This is in reference to your Case File Number FR-127/A26/32186 with ACS INC in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 (Internet Crime Complaint Center) has decided to mark this case as a flat refusal and press charges against you.

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.

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

So, we are just giving you a last chance that if you just make a payment of $956.27 by today then we will close this account as paid in full with zero balance.

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 step which is a Lawsuit against you, but to do so you must take immediate action.

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 law suit which will be amounting to $1423.13 and 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.

Best Wishes,

Settlement Department

Victim Location 10977
Total money lost $400
Type of a scam Debt Collections

This company has been asking for money in gift cards like green dot or iTunes to repay a loan which I never took and I have tired to block and report spam but they end up sending different emails to get to me. Everytime I get a email from them it's never the Same person. They keep turning me to take me to court and I will be in prison for 10 years

Victim Location 37708
Type of a scam Debt Collections

This entity is claiming to be an attorney in a new York courthouse and is trying to collect money on a false debt pertaining to bank fraud and check fraud. individual threatens with asset seizure, wage garnishment, and even arrest. I have no prior dealings or knowledge of this persons claims and the whole thing is a total scam, so beware.

Victim Location 21234
Type of a scam Debt Collections

This person or company keeps emailing me and threatening me to send a payment through a prepaid gift card, which i never heard of any debt collector company receiving a payment through a gift card. I have attached an email on what i received from them:

We have not receive any payment information from your side yet. Kindly let us know your clear intentions that whether you want to resolve this case or we should go ahead with the legal charges against your name and social.

We give you last chance to settle this account else we have to forward this case for legal department.

Victim Location 90605
Type of a scam Debt Collections

I been receiving emails stating I owe a outstanding balance. They warn you that a warrant for your arrest will be issued if you don't pay. It's a scam. I receive these emails constantly. They also want you to pay via gift card.

Victim Location 53546
Type of a scam Advance Fee Loan

Don't pay loan off in 72 hours police will arrive a seize everything. ACS only accepts payments through a one vanilla prepaid card.

Victim Location 63957
Type of a scam Debt Collections

They left a message on my answering machine giving me 2 hours to contact them or they we're going to take legal action. When trying to call them back the number was no longer in service. They also called my mothers house leaving a message there with a different number that number is also disconnected.

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