ACS Inc Several E-mails attempting to recover SUPPOSED cash advances Internet

This is going to be very long, but please take a look. It can save someone from being scammed. And I scammed back!

I had received several e-mails accusing me of owing money for cash advances. I've copied and pasted the one e-mail, since they all look the same: 

"CASE FILE : A8115

LOAN INFORMATION        

DUE AMOUNT-$921.25

LOAN COMPANY-  ACS Incorporation.

This is to inform you, that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Federal Government, so before the case if filed we would like to notify you about this matter.

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

(4) ELECTRONIC FUND TRANSFER FRAUD.

Now this means few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department 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 from our company Attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, 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 cost incurred.

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.

 And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $4271.15, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have /can't afford one then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at +1 561 300 8737 between 9.30am to 6.30pm(EST).

IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH

EMAIL OR CALL US BETWEEN WORKING HOURS ON   +1 561 300 8737.

UNITED STATES DISTRICT ATTORNEY

Copyright (c) 2006 ACS | Privacy | Terms of use

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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, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is 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."

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 I know that it's not a legitimate collection after researching the said company, their contacting me with a Gmail address and there being no company information, letterhead or logo was really a tip off. I decided to also go through my credit report and although in 2007 I had used cash advances, they were repaid immediately. 

 I contacted the author of the e-mail claiming that I'd be more than happy to pay my debt off in full today. I wasn't really going to pay them, but I wanted to be able to catch as much information as I could to report them. Keep in mind, this is 4 e-mails that I'm responding to that I am copying and pasting the same responses to and all 4 e-mailers are answering back. At first they were asking me to get a MoneyPak, but after I played stupid as to what that was, they had suggested paying electronically by answering questions to proceed with the payment process, which included my name, address and banking info.

 I messaged them back saying that my intentions were to pay off the debt in full, but I'd only use a check (I wanted a name or address to report along with reporting the matter to my bank.) They proceeded to tell me that they do not allow payment by check and that their only form of payment is electronically through a card. They also informed me that my information is "fully protected" because they will make sure that I have a receipt. When I was pushing to send a check and I would really like to know who to make the check out to and where to send it, they stopped messaging me. They'd respond immediately to my replies (which I copied and pasted) to all 4 e-mails. 

 I asked them again where they're located and agreed to use my bank debit card. They replied within seconds prompting me to answer questions regarding my personal information. I again asked where they were located and I was told that it "wasn't important regarding this matter"! I pressed and I got the location of Palm Beach FL 33480. 

 I then told them that I contacted my bank just to assist with a secure payment. I said that the bank is going to have to contact your finance department to get authentication and account numbers to approve the payment and I asked for a finance department number. I have yet to receive a reply.

 My suggestion is scam them right back!!! Make them look like fools and make them work hard for no reason!! Also, I strongly suggest reporting any information that you can to who ever will listen to you or accept a report. We need to stop being targeted by these people and the only way we can do that is if we let them know they're not allowed. Too, I personally suggest being involved in a program such as LifeLock. During this whole ordeal with these e-mails, I've been in contact with them and they've been great.