"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams

ACS Legal Loan Settlement Debt Collection Lawsuit Scams

Online users who have received so-called "ACS Legal Loan Settlement" emails like the one below, which claim that they have been given a chance to settle an ACS Legal Loan Settlement debt outside of court, should delete the email messages and not follow the instructions in them. This is because the fake email messages are fraudulent, and are being sent by scammers to trick the recipients into sending them money believing that they will be sued for money owed and their credit history tarnished.

The "ACS Legal Loan Settlement Debt Collection" Scam

From: ACS LOAN - loansettlement.125@gmail.com

Date: Mon, Apr 8, 2019 at 9:03 AM

Subject: lawsuit

To: ACS LOAN - loansettlement.125@gmail.com

CUSTOMER ID #: 895535156

CASE FILE #: DK_04 LPG-24540008

PAST DUE AMOUNT - $856.24

CREDITOR – ACE INC

If you want to resolve this issue then

THE SETTLEMENT AMOUNT IS - $435.00

Dear Debtor,

We are going to file a lawsuit in next 24 hours at United States District Court 99 E Bro ward Blvd # 108, Fort Lauder dale, FL 33301, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.

This is our last warning to you; kindly update us ASAP so that we can proceed.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around $3203.86.

Do update us with your intention that you want to resolve this case or you want to dispute.

If you wants to resolve this matter then we have settlement amount for you;

1. If you can pay the amount which is $435.00 by today then we can close your file with this amount only.

2. If you are looking for weekly payment then you have to pay total amount of $600.00 with payment arrangement and you can pay $300.00 weekly till paid in full.

3. If you are looking for bi-weekly payment then you have to pay total amount of $856.24 with payment arrangement and you can pay $214.06 bi-weekly till paid in full.

Kindly let us know what type of payment arrangement you are looking for so that we can send you a Settlement Agreement which you need to fill, sign and send us back for freeze down your case file. Once the full and final payment will received then a Payment Receipt will be sent to you, stating that your outstanding debt is paid in full and we will update all the credit bureau.

AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THROUGH AN EMAIL DURING OUR WORKING HOURS (From Monday To Friday 09:00 AM to 05:00 PM EDT).

Yours sincerely

Department – Law & Enforcement

(ACE Incorporation)

Collections & Legal Department

ACE LEGAL@2019 | Privacy |Career| Terms of use

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Comments(Total: 4)

September 2, 2020 at 10:13 AM by
"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams
info

"From: "Ace Settlement" <settlement.ace@ace-cash-services.com>

To: "Ace Settlement" <settlement.ace@ace-cash-services.com>

Sent: Mon, Aug 24, 2020 at 3:21 PM

Subject: Reference:-Customer ID:85879207864, Case File No UH-78625 Lawsuit

CUSTOMER ID: 85879207864

CASE FILE #: UH-78625

LOAN INFORMATION

PAST DUE AMOUNT - $937.65

CREDITOR - ACE CASH SERVICES

This is to inform you that Legal Proceedings have been issued on your Docket Number UH-78625 with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of Cash Advance USA has decided to mark this case as a flat refusal and press legal charges against you.

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter.

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

Right Now We must have to proceed legally against you and your SSN,once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you $4000.00 and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future.

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep.

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT.

TERMS & CONDITIONS YOU AGREED.

If you want to resolve this matter then direct contact us thru email or call at (347)-584-4584 between working hours 9:00 AM to 6:00 PM (EST).

In order to resolve this you can contact us at support@ace-cash-services.com or E-mail us back onto the same email.

Best Wishes

ACE CASH SERVICES

Phone (347)-584-4584

Department of Law & Enforcement(ACS)

Terms of use Privacy Statement

Note: This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only."

Here is another scam.

Delete

May 13, 2020 at 7:30 AM by
"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams
an anonymous user from: Texas, United States

The email I got was almost like that one but thy used USA. Attorney.paydaycollection on me. I think it's a scam but it does scare me

Delete

April 1, 2020 at 3:48 PM by
"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams
info

"From: ACS DEBT <acs.loansettlement.collector@gmail.com>

To: ACS DEBT <acs.loansettlement.collector@gmail.com>

Sent: Wednesday, April 1, 2020, 11:05:51 AM EDT

Subject: lawsuit

Case File No: ACE-232912

Balance Amount: $970.85

Creditor: Payday Loan Services

Case File Transferred to ACE: - April 2020

Dear Customer,

Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of $2873.81 against you, we request you to kindly pay the Court Restitution Amount which is $970.85. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55% of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.

As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your SSN. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

The Factual Basis for the complaints are as follows:

You accepted to return the funds from this aforementioned pending loan.

And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.

At present, ACS INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested $970.85 to settle this case.

To resolve this issue contact us during the working hours Monday to Saturday 09:00 AM to 05:00 PM EDT by reply back to this E-mail to get in touch with the representative.

Yours sincerely

Collections & Legal Department"

Here is another scam.

Delete

August 23, 2019 at 5:56 PM by
"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams
info

acs.legals@gmail.com is being used by the scammers.

Delete

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Pay the safest way

Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to $50 if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly.

Guard your personal information

In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Be careful of the information you share

Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with

Know who you’re dealing with

Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Check your accounts

Regularly check your account transactions and report any suspicious or unauthorised transactions.

Don’t believe promises of easy money

If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, it’s probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true.

Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

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Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

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Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

Update the operating systems on your electronic devices

Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • Identitytheft.gov: If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at www.identitytheft.gov. This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

  • say they’ve noticed some suspicious activity or log-in attempts — they haven’t
  • claim there’s a problem with your account or your payment information — there isn’t
  • say you need to confirm some personal or financial information — you don’t
  • include an invoice you don’t recognize — it’s fake
  • want you to click on a link to make a payment — but the link has malware
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

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By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

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"ACS Legal Loan Settlement Debt Collection Lawsuit" Scams