Cash Advance Net Work and ACS in 2008 i took out a payday loan with cash advance network and paid for several months and then paid it off on the fifth month. Four years later, i get a call from ACS and get threats about taking new york, New Jersey

In 2008 I took out a payday loan with cash advance network and paid for several months and then paid it off on the fifth month.   Four years later, i get a call from  ACS and get threats about taking me to court and suing me for 900+ dollars on a $325 loan.  When I called Cash Advance Network they said I owed no money.  I asked several times and they said,  "your account is zero."   When I called ACS and told them what Cash Advance Network said,  they said they would call them.   When I called Cash Advance Network again, suddenly I owed $400 from 2008 and they all this information.  The lady I had a conversation with was very rude and suddenly had all this information.  When I called her earlier, she only said I owed zero on the accound.  What a bunch of rip off artist.  They wait four years and suddenly I owe money that I paid.   I  asked them for the court summons and that I wanted to go to court and show that I had paid off the loan. We will see.