National Association of Credit Management, Inc, NACM, USA, Erica Hodges Sr. Investigtion Officer National Association of Credit Management, Inc. Loan scam! How threatening! How dispicable! Internet

October 7, 2014 I received an email from National Association of Credit Management, Inc or NACM USA.  I was confused, as I have never recieved a loan from them nor have I ever heard of them.  This is the original email I received from them:

My name is Erica Hodges from NACM USA. Reason of this email that we had registered a case against you.

Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job.

Through an IRS (Internal Revenue Service) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold.

Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case.

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we won’t be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house.

We had already mailed all the hard copies of documents to you, before sending it to Legal department for detailed study. After no response from your side finally we had communicated you through email to inform you about the matter. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means.

Come back to us ASAP, as the case in hand is time sensitive.

Best Regards,
Erica Hodges
Sr. Investigation Officer
National Association of Credit Management

I responded with "What is this about?"

Here is their response:

This is regarding your loan of $300.00 which was deposited into your XXXXXXX Federal Credit Union Bank account number XXXXXX, but not paid back.

Company had already started procedures to file LAWSUIT against you and your documents had already been submitted in court as per procedure. It is last attempt from our side to settle this debt outside the court. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.

 Do update us with your intention regarding this debt settlement.

Best Regards,
Erica Hodges
Sr. Investigation Officer
National Association of Credit Management

Scary thing is they had the correct account number and the last 5 numbers of my SS number.  I then asked when this loan was deposited into my account?

Here is their response to that email.

We are providing you the Routing Transit number xxxxxxxxx you can better verify through this.

Again, the scary thing is, that is the correct ABA/Routing number too.  Plus the last 5 number of my SS number at the beginning of each response.  They still have not told me when the money was deposited.I never recieved it.  I asked again when it was supposedly deposited and they sent me this date. 

On September 12th 2013. My birthday.  I think I would have remembered that date and if i got money deposited in my bank account.  I told them that and they went completley around my question and sent this email to me.

We are waiting for your response. Do remit your payment ASAP in order to freeze down legal actions against you.

I was in Georgia at this time and could not actually go to my former bank and told them that.

apparently they could care less.  they sent this next e-mail::

We are forwarding this case further for legal proceedings.

This email began with my SS number minus the first number.  Exactly as it is.  Who are these people and why do they do this to so many?