Advance Check Processing ACP Company that likes to make illegal threats Jacksonville, Michigan

 On 4/18/11 I was contacted by this company stating that I had committed fraud and that because I had never been in trouble before, they were giving me a "courtesy" call.  They asked if my county's sherriff's department had been there to arrest me yet for my fraudalent activity.   Now mind you they left this message on my voice mail. 

I had used a payday loan place and had paid almost of the loan off but then my employer let me go and I fell on hard times like so many people have.  Well then I was in a car accident and things went from bad to worse and my bank closed my account.

I called ACP back and I was told that unless I sent them the money to pay off the loan place this evening - I would be arrested and have to pay thousand of dollars back and have my credit ruined.  At first I said I would send in the money even though it meant having my car repossessed for non-payment.  Then, I decided to do some investigating and make some phone calls.  Found out some interesting information.  So, I called them back and asked if it was alright to record the phone conversation - Rachel from ACP stuttered but agreed to it. 

I said that I had not commited any fraud because I was not the one who closed my bank account.  I went on to say that I had tried to make payment arrangements but the payday loan place would not agree to it.  She got defensive and claimed she never mentioned fraud.  I reminded her that she had said the words fraud and arrest on my voice mail and also when I talked to her the first time.  She got angry and said "Fine, if you don't want to take care of this matter today, we will pursue other means."  Rachel then slammed down the phone on me.

It is obvious to me that she got caught in the act of trying to intimidate me and was angry when it didn't work.  The research I did said that what happened to me with my loan and my bank account was not considered intentional fraud.  I also called the payday loan company today and was told "Oh, we sold your account to a third party and we are no longer needing that payment"  So, even if I had sent in the payment tonight - it would not have gone to the payday company.