My husband received a telephone call from ACS Legal and also from attorney listed as Bernstien Ross & Associates. Mr. Shepherd and Mr. Freeman conducted the correspondence with my husband stating that they were having me arrested today unless he gave them a debit card number and provided authorization for a ACH to be debited from our bank account that day in the amount of $1500 for a cash payday loan that I had defaulted on.
The email address for ACS is email@example.com
the So called attorney's representing this place and the other Kingston Marketing is Bernstein Ross and Associates at P.O. Box 493, Cheektowaga, NY 14225 and I guess one of their attorney's is a Mr. Miller, A Mr. Shepherd contacted me and a Mr. Freeman contacted my husband.
They then called my cell phone and told me that they were delivering the court documents to the Live Oak County courthouse that day unless I paid them in full.
I pulled my correspondence that I had with the only payday loan I had taken out. ( I learned my lesson, as they charge loan shark percentage rates and take much mnore than the contract states)
I finally had to tell my financial institution to not allow them to take any more from my account as I had overpaid the loan back by over $900.00 to date.
I never heard anything from them when I wrote to them constantly requesting the return of the additional funds that was debited from my account for a loan already paid off. No answer from them.
Now four (4) years later, I am being harrassed by these collection agencies concerning money, which the payday companies hired to collect on a debt already paid. So I scanned and e-mailed the documents that I had which showed the loan payout and also the other documents where everything was settled
Haven't heard anymore from them, until I got a e-mail threatening the same thing through another company listed under the registered agent for process. I sent them the same documents I sent to the other collection company.
This is very embarrasing, especially since my husband thought I had went behind his back and taken out a loan without his knowledge. We are a retired couple and are debt free today and intend to stay that way and so someone calling up and threatening to take me to jail surely upset him and caused a lot of explaining on my part, which he understood and we contacted the Attorney General's office and also our local law enforcement and they suggested that we also report it also to the FBI, which we did.