Product: Debt collection

Here is a copy of an email I got from Ace Express trying to impersonate a attorney telling me that I have fraud and fast for a payday loan they say I owe that I did not take out I don't even have the bank account they gave they have been calling and bothering me this is illegal and I want it stopped. 
LOAN INFORMATION CASE FILE # : XXXX DUE AMOUNT - {$980.00} File Transferred- XX/XX/2020 Dear Debtor, 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 & thats 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 72 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 cost approximately XXXX.

AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX 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 Judgement / 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, ACE 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 email us right now to pay or agree to a payment plan with us. 



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





Yours sincerely Collections & Legal Department ACE EXPRESS | 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, 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.