Consumer complaint received 12/30/2015 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (OK).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was emailed a fake collection email on a debt that I do not owe. Here is the email they sent me : Case File No : XXXX Total Outstanding : {$980.00} Loan Company : ACS/ACE CASH SERVICES 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 & that 's 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. 

If you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount which is $ XXXX.We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take an action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately {$3200.00} AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX HAS STATED XXXX 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 Judgment / 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, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us. 

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL OR CALL US : XXXX. 

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


Yours sincerely Collections & Legal Department ACS LEGAL | 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.

Company response to consumer: Closed with explanation