Report: #1132125

Complaint Review: ACS Inc

  • Submitted: Thu, March 20, 2014
  • Updated: Thu, March 20, 2014
  • Reported By: anonymous — Leeds Alabama
  • ACS Inc


ACS Inc Attempt to collect money owed that I don't owe. Internet

*Consumer Comment: Looks like ACS has changed their letter - still a scam

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Reference: Account in Collection (Final Notice)/Account Number – ACS 1261

 Account Number: ACS 1261

Total Outstanding: - $945.67                                                                                                           

Loan Company: - ACS INC.

 Dear Debtor,                                                                             

As you are aware, you have a small pay day loan bill, which is unpaid. We have done everything possible within reason to collect the money, you owe from us. We have decided that unless you make immediate plan to repay us this money, we will write this debt off our books and claim it as “bad debt loss” to IRS.

Now you must be thinking that you authorized us to take out the borrowed amount back from you while taking the loan, yes you authorized us, but when we tried to extract the funds from your account it went declined all the time. We tried to contact you but never got any response.

*Do you know that Check fraud is a violation of the broader category of USA’s fraud offenses and is punished as a crime of forgery.

*Do you know that any money you owe from a financial institute and don’t pay is legally declared as “additional income” for you or your business during the year in which you incurred the debt?


If we decide to write off this debt, we will use IRS form 1099-A which will show the IRS that the $945.67 became income for you and bad debt for ACS INC.

Please, for your sake pay this bill by contacting ACS INC to set up some type settlement plan for you. If we have not heard from you within 2 days of the date of this e-mail, we will submit your documents to the IRS to initiate action and if this happened, you have to pay additional $3932.09 and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.

If you want to clear this debt or looking for a settlement than contact us immediately thru Email during working hours (9:30 AM to 06:30 PM )



ACS INC (Legal Department – ACS INC)


Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill?


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#1 Consumer Comment

Looks like ACS has changed their letter - still a scam

AUTHOR: FloridaNative - ()

This is the Payday Loan Collections scam that ACS has been running for a long time. What appears to be new is the email content has changed somewhat. It is still a scam, so you were right in posting it for others to see as a warning.

As you know, don't send them any money. Don't contact them as their sole point is to scare you into making payments to the scammer. The letter is designed to make you pick up the phone and call or to just reply to the email. Ignore it.

Even if you have a payday loan type debt that remains unpaid, any money you send to ACS will not go toward paying off that debt.

To find out more about this scam or other common scams, go to the FTC(dot)gov website and look under consumer scams.

Thank you for posting the new letter.


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