United Legal Investigation Bureau ACE Cash Services/Cash Net USA/Cash America/500 Cash Advance Fraud! Big honking SCAM!! So annoying--kind of scary too Internet

I received an email yesterday from "ACE Cash Services," telling me that I owed them $975.15 for an overdue payday loan. They threatened to "prosecute me in the courthouse" and "put my SSN on hold by US Government" (whatever that means). Also I was informed that "United Legal Investigation Bureau" had "allegations" against me: Violation of Federal Banking Regulations; Collateral Check Fraud; and Theft by Deception.

I responded with an email, saying that I had never heard of their company, never borrowed anything from them, and didn't owe them anything. I also asked for details, like the date the loan originated, or even my name, since that wasn't included.

They emailed me this morning, including my maiden name, one of my email addresses, and the last four digits of both my SSN and my checking account. This email threatened to "freeze all your account." (?)

These emails were full of mispellings and horrible grammar. It is a scam, no doubt about it.

This is about the third time I have been harassed by this kind of thing; the worst part is the phone calls that come from different numbers, often several times in one day. And it is a little scary to know that someone knows even part of my Social Security number or my bank account number.

Isn't there some organization that will track these things down and put a stop to them? I keep thinking about people who don't realize this is a scam, and send these *!!* their hard-earned money.