Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Camelot Financial Services, Inc.
State: NV

Complaint narrative:
Today, XX/XX/XXXX, I received the email below from XXXX. 
I responded asking what it was for and was told that I owe money to ACE Ace loan XXXX, This is a parent company which owns and operates more than XXXX websites. I have asked for the exact company in which money is owed but this individual will not tell me a company name. I have also also for a website for their company but I have not been given that information either.

FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File : XXXX Last Date to File Lawsuit- XX/XX/XXXX Cost of the Lawsuit- {$2200.00} Courthouse Address-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Charges-Section 19 ( A ), Clause 21 ( US ) Case Format- Fair Debt Collection ( FC/SC ) Settlement Amount- {$850.00} by Today Dear XXXX, This informs you and requires your immediate attention .

We are going to file a lawsuit in the next XXXX hours at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). against your Name and SSN. After giving several notifications we did not receive 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.

If we do not hear from you today, We will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a debt committed 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 costs incurred.

Note : If we do not get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$2200.00}.

Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action against you.

If we receive the remaining payment from you thereafter we will provide you with a full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matter lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.

If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of XXXX years of prison and a fine up to {$5500.00}. 

YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the courthouse by requesting an offer in compromise.

If you fail to respond within XXXX hours, this Legal Action will be activated so please EMAIL us back ASAP. 

Regards, XXXX XXXX XXXX XXXX XXXX ( Department - Law & Enforcement )

Company response to consumer: Closed with explanation