nickysduck2

ACE Cash Services threatening email

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I took out an online payday loan several years ago between 2008-2010 and defaulted on it due to unemployment and simple inability to pay. I closed the bank account the payday loan was deposited to and have not heard a peep about it until today.

 

I got this threatening email below and have edited out my personal info but just want to ask if anyone else has gotten an email like this and should I be worried? I have never been sued over this but they are threatening to sue. Can I do jail time for this? I pulled my free credit report to see when this loan originated and it is not even showing up on my credit report so the statue of limitation may have expired already Im not sure because i can't see it on my report.  Can someone help me makes sense of this please? Here is the email......I have edited out my personal info but everything else is copied exactly as they sent it to me.

 

 

 

 

FINAL AND LAST CHANCE TO GET SETTLE THE CASE #SD5-987485

 

  Personal oinfo edited out

UPDATED SETTLEMENT AMOUNT $270.24

 

Your case file #edited are handling by LEGAL DEPARTMENT OF ACE Cash Service, So now you may cooperate them in order to resolve the case file #SD5-987485. You can reach onwilliam.lawenforcement@acepaydaycorp.com for further more information.

 

 

 

BEFORE YOUR CASE FILE #edited WILL BE DOWNLOADED

 

We are talking about the loan that you took with the company due to penalty charges, interest charges and attorney charges the amount rises up to$1050.50 , and  they do have a signed copy of the contract which is signed under your e-mail address edited and SSN also would like to mention your computer's IP addresseditedwas also traced. When you were signing the contract with the company. The company have more than 14 technical evidence in order to prove the money was successfully deposited into your bank account #edited.

 

Talking about the creditor Ace Cash Services  is the mother company which owns & operates more than 1175 parental payday loan websites CASH NET USA, CASH AMERICA & 500 CASH ADVANCE etc. And you have used one of them to get this loan approved.

 

NOTE : KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLE  AMOUNT OF $270.24 AND IF NOT THAN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST INTO THE COURT HOUSE. INFORMED TO YOUR  EMPLOYER PLACE WHERE DID YOU WORKED.

 

 

NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED

 

This is in reference to your Case File  edited with ACE (ACE CASH SERVICES) in order to notify you that after sending several emails and 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.

 

Once your case file forwarded by us ACE legal department, you account will be considered as not paid anything because you have never did any reply from a long time. After taking action against your name and SSN your case file will be forwarded to the courthouse.

 

And once you found guilty into the court house than you have to bear the entire cost for this law suit $4518.15 which is excluding loan amount, attorney's fees, and the interest charges.

 

if you failed to update us with cooperate us then be ready for going into jail under FDCA for 3 Years, and We will seize your all bank account and hold on SSN,

 

 

Your account with ACE is in Final Collections. According to our records, your outstanding balance was $1050.50

 

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

We do hope that you will work out with this offer.

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 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.

 

You can avoid this by taking care of this now.

 

It is quick and easy:

Do reply 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 law suit which will be amounting to $4515.85 and 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 $1050.50

 

Thanks for being our customer,

 

Best Wishes,

Settlement Department

ACE CASH SERVICES

August 4 2015

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@nickysduck2

 

What is the SOL for this kind of debt in TN?

 

I would contact a consumer attorney immediately.  The author of the email claims that the email is from the legal department of the OC.  You don't know if that's true.  If it's not true and they are a collection agency, you have multiple violations of the FDCPA.

 

Unless TN has a law that says you can go to jail, it's a lie.  Also, they cannot take social security funds.  

 

Even if the email is from the OC's legal department, TN probably has consumer protection laws that would be applicable to that email.  That's where an attorney can help you.

 

Contact http://www.consumeradvocates.org/

 

That site will have names of consumer attorneys in your area.

 

I would also file a complaint with the Consumer Financial Protection Bureau and your state's attorney general.  Be sure to include a copy of the email.

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The language and grammar in that make me wonder if it isn't some scam.  Is that verbatim?  That email address "william.lawenforcement@", that right there makes you think he is impersonating someone and a position that I think would make them subject to some sort of legal action.

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@CommoSGT

 

The OP admits that he had a payday loan.  I guess I should have asked if the SOL has expired on that type of loan.

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This letter is verbatim and the statue of limitations in TN is 7 years. I googled this and there are numerous other complaints from people saying this is a scam. I am pretty sure this account was from 2008 and the sol has already expired.Given that it is not showing on my credit report and items are removed from the credit report after 7 years I feel this person is trying to scare me into paying, especially after reading all the numerous other complaints online.

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@nickysduck2

 

It probably is a scam, and I guess you wait to see if a lawsuit is filed against you.  However, I'd still file complaints with the CFPB and your state's attorney general.  I'd also file one with your state's Department of Consumer Affairs.

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I would also consult @TNConsumerLawyer on the forums here.  Barnette Law.

 

There are several violations of the FDCPA:

 

"So the IC3 (Internet Crime Complaint Center) has decided to mark this case as a flat refusal and press charges against you."

"if you failed to update us with cooperate us then be ready for going into jail under FDCA for 3 Years, and We will seize your all bank account and hold on SSN,"

 

I would cut and paste the others but it isn't worth it.  Definitely file the complaints but based on the terrible grammar and poor English my guess is this is a version of the Nigerian 419 scam.  I would ignore it.

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I got an email from a debt collector however, i did not download the attachment. I am going to report the collector, and email, to the state attorney 

general's office. Perhaps you should report that email to your state's attorney general's office.

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This email they sent you is completely illegal.  It is full of violations of federal law. 

 

In no way can you go to jail over a debt like this.  You closed your bank account, so there is no way they can "sieze" anything from you.  Do not allow some scam email to scare you into paying them. That is what they are counting on.

 

If I were to get an email like this, my choices would be - delete and add the sender to my spam list.

 

It does not matter if you filled out an online form and got money deposited from them.  They are likely operating over seas and have zero authority to enforce anything.  Their payday lending schemes are illegal in many states, and even the ones where it is legal, they likely are charging an interest rate above that state's law.  They operate from a dark corner of the globe and pray on desperate people by giving small loans directly to their bank account, then automatically withdrawing 3x, 5x, 10x the initial "loan" amount.  You did a good thing by closing that bank account.   I would forward this email to the AG and CFPB as suggested above just to protect against them trying to contact my job.  Other than that, I would just laugh off this email.

 

Oh, and this is not on your credit reports because these types of operations never report to the CRAs anyway.  They are not a legitimate "loan" in that they report to CRAs or any other type of credit activity.

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I recived this same exact email. I found this thread from posting the case #SD5-987485. I figured it was a scam. But what really had me freaked out is my social # was included in the email. Was this your same situation?

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If you "hover" your mouse over the sender's email address you will see what the ACTUAL sender's email address is not the spoofed one.  If it is spoofed it will be some poor soul's email that got hacked to send this to you hoping you will click the links and respond.  They are phishing for information and hoping to scare you into paying.  DO NOT click on any links.

 

As for having the social.  If they hacked your information from a payday loan site they can get that too.  It is used to elevate the fear level.

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Yes it did work. More like concerned they have my social. The only difference between my email and the original post ^^ is the email reply is different and that some scammer has my social number.

If that is the case, I would probably put a freeze on my credit reports and I would very closely monitor my accounts for a while and immediately report any odd activity to the bank as well as file a police report. Catching any ID theft quickly is the key to preventing major problems. And generally you will not be on the hook for any charges that you immediately report as fraud.

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56 minutes ago, Jennifer Rodriguez said:

I received the same email telling me to email my credit card information and they can’t give me a phone number to talk to them.

As you can see, this is a scam.  Do not under any circumstances give them you credit card information.  Do not give them any information at all. 

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Just got this email... is this the same thing??? Love how they say they want you to contact them asap but yet theres no number listed.
 
 
 
Court Case File_US-077091-SC
 
Last Date to file Lawsuit-02/21/2020.
 
 
We are going to file a lawsuit in next 24 hours at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After giving several notifications we did not received 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. 
 
 
Thank you,
ACE CASH EXPRESS.

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4 minutes ago, Sorinkles said:
Just got this email... is this the same thing??? Love how they say they want you to contact them asap but yet theres no number listed.
 
 
 
Court Case File_US-077091-SC
 
Last Date to file Lawsuit-02/21/2020.
 
 
We are going to file a lawsuit in next 24 hours at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After giving several notifications we did not received 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. 
 
 
Thank you,
ACE CASH EXPRESS.

Do you have or can you get a copy of the written agreement/contract? 

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50 minutes ago, Sorinkles said:

Just got this email... is this the same thing??? Love how they say they want you to contact them asap but yet theres no number listed.

SCAM!!!  DO NOT contact them or pay them.  

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heheheheheh,

1) Debt cases are not filed in federal court, they are filed in state courts because debt collection is a state issue, not a federal issue

2) The Social Security Administration does not care about any debts other that Government Debts (such as federal or state income taxes or Sallie Mae Student Loans)

This letter has more holes in it that the slice of Swiss cheese in my hand.

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On 2/21/2020 at 5:16 PM, WhoCares1000 said:

heheheheheh,

1) Debt cases are not filed in federal court, they are filed in state courts because debt collection is a state issue, not a federal issue

2) The Social Security Administration does not care about any debts other that Government Debts (such as federal or state income taxes or Sallie Mae Student Loans)

This letter has more holes in it that the slice of Swiss cheese in my hand.

I found it very nice of them to consider a non-response as a dispute.  It's the opposite of what the law says, but it is very noble of them to make that dispute on our behalf.

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