American Credit Express Legal Notice Scam

The "American Credit Express" email below is a fake. The fake email message is being sent by scammers to trick the recipients into sending them money by threatening legal actions. Therefore, recipients of the fake email message which appears as if it came from a so-called ACS Debt Solutions, should delete it and not follow the instructions in it.

American Credit Express Legal Notice Scam

It is important that the public takes precautions when asked to send money via money transfer services like Western Union and MoneyGram, or Prepaid Debit Card to pay legal services or the government. This is because scammers use those untraceable money transfer services to collect money from their victims. Money sent via those services are not refundable, once the scammers have collected or used it.

The "American Credit Express" Legal Notice Scam

From: "American Credit Express"

Sent: Wed, Apr 28, 2021 at 10:06 AM

Subject: Department of Law & Enforcement Legal Notice: Under 18 USC Sections 1956-57: Lawsuit Id LF - 64912/19C/40 (Immediate Action Required)

Stephanie Stoianoff (#4043),

(Lawsuit Presented in the courthouse against Mr/Ms. Stephanie Stoianoff (#4043) on April 28, 2021)

This email is in reference to notify you that Mr/Ms. Stephanie Stoianoff (#4043) has been blacklisted; defaulter's social security number and banking accounts are under investigation through major credit bureau TRANSUNION. Defaulter would be receiving the court papers at mailing address 999 CONCORD DR, MEDINA, OH 44256, USA with the next seven business days once we file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference.

Note: Defaulter was offered several chances to take care of this debt but Mr/Ms. Stephanie Stoianoff (#4043) committed false commitments with the company during resolution procedure and attempted fraud continuously, there we have decided to finally present this case for lawsuit into the courthouse on April 28, 2021. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets in order to collect the total outstanding balance of $1021.85 and lawsuit charges along with courthouse and attorney fees as mentioned below:

Filed Lawsuit Charges Summary:

Total Outstanding Balance: $1021.85

Lawsuit Amount: $11986.63

Final Settlement Amount: $297.00

Defaulter’s Record:

First Name:

Last Name:





Employer Phone:


Phone Number:

Drivers License:

Requested Loan Amount: $500.00

Approved Loan Amount: $300.00

Case Information:

Initial Loan Disbursement Amount: $300.00

Case No: LF - 64912/19C/40

Settlement Amount: $297.00

Total Outstanding Balance: $1021.85

Legal Notice Issued On: April 28, 2021

Charges against Mr/Ms.

FDCPA ACT - 811 (15 USC1692I)

Case Type - Fraudulent Act (FC/SC)

Lawsuit – Under Consumer Fraudulent Activity

Immediate Effect – Seizure of all Banking Accounts & SSN

According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ($3174), to a credit service bureau and possible to the Internal Revenue Service (IRS) for tax refunds offset. A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY (U.S TREASURY). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details.

Once your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as “offset,” is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds: your salary pay, including military pay; your federal retirement including military pay; your contractor/vendor payments; certain federal benefit payment; including certain loans to you, that are not exempt from offset.

If you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT (31 U.S.C. paragraph 3729-3731) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

NOTE: Kindly present all of your documents into US District Court (Address: 627 W 21st St, Merced, CA 95340, United States) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on April 28, 2021.

COURT HOUSE: US District Court (Address: 627 W 21st St, Merced, CA 95340, United States)

Your courthouse reference case number is #514875/F14/35 which is under the hand of courthouse attorney Mr. Robin Smith.

This case was filed under fraudulent section (C) chapter 19 into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the court house.

Important Note: Mr/Ms. Stephanie Stoianoff (#4043) is no longer eligible to apply for any credit or loan through any lender in the United States.

Kindly make sure to have all necessary documents into the courthouse on the courthouse date which will be delivered to you through the courthouse within two to seven business days.

Kindly email us immediately if you still want to hold this account by paying off your settlement amount of $297.00 on April 28, 2021 else be presented into the court house as stated this case has been filed for lawsuit into the courthouse on April 28, 2021 in order to collect the total sum due $1021.85 along with lawsuit $11986.63 and applicable attorney fees.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through email for immediate assistance or call us at +1 323 801 8007 to resolve this matter quickly.

(This is a written communication electronic acknowledgement from American Credit Express and is solely intended for only Mr. /Ms. Stephanie Stoianoff (#4043)

American Credit Express

Legal Department

Phone: +1 323 801 8007


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Comments, Questions, Answers, or Reviews

Comments (Total: 10)

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May 20, 2023 at 7:05 AM by
American Credit Express Legal Notice Scam
an anonymous user from: San Antonio, Texas, United States

So what do we do we know its fake but the fact that they got my full name, address, DL number, last four ssn, old phone number old job, old bank account with the last 4 account and routing numbers, I mean theres nothing else left for them to know about me to really eff my life up see im scared awhile back I was desperate an applied to a bunch of online payday loans never got any money but when I get these emails im legit like maybe one did go threw an I didnt know I lost my job amd the bank account was threw my job like a payroll card so I neved wemt back to work im a stay at home dad takin care of my autostoc child soits been like 10 years without a job then I decode to check my emoal an find a few of these lawsuit threats even some "failed" attemps on inquiring credot and loams in my name an im scared to file an identity theft report cause im not sire if I did apply 10 yrs ago an one of the sites were scams and they tooky info an applied for other loans


December 20, 2022 at 11:37 AM by
American Credit Express Legal Notice Scam
an anonymous user from: Bexar, San Antonio, Texas, United States

Now this is 100% without a doubt a scam? Cause with the personal info they habe of mine its pretty scarey


December 20, 2022 at 11:33 AM by
American Credit Express Legal Notice Scam
an anonymous user from: Bexar, San Antonio, Texas, United States

Got same email but they have all my personal info such as name, last 4 of ssn, DL#,old cell #, old job,last 4 digits of old bank account/routing#, and my address ive applied for loan in the passed an never was approved this was in 2013 im affraid the online payday loans I applied for 1 or more werent legot an my personal info is being passed around on the dark web


October 6, 2022 at 1:47 PM by
American Credit Express Legal Notice Scam
an anonymous user from: Atlanta, Georgia, United States

I received the same info in an email today. Some of the information was correct and some was jot. When I called the phone number listed on the email I got anmesssge stating all agents were busy and to respond to the email sent. Scam scam


November 18, 2021 at 12:37 PM by
American Credit Express Legal Notice Scam
an anonymous user from: Las Vegas, Nevada, United States

I just got the same letter with my info on it. I wrote them back without much more identifying than my email. Stated that I knew it was fraudulent and that I was reporting them. Stated why I said it was fraud and told them to refrain from contacting me. Annoying that they have very old info but I know that there is some of that info on the darkweb and I have myself protected with a credit freeze, changed passwords etc.


October 8, 2021 at 7:47 PM by
American Credit Express Legal Notice Scam
an anonymous user from: Radnor Township, Villanova, Pennsylvania, United States

I got the same email. Figured it was a scam but does irritate me that it has a very old address and phone number and the last 4 of my social. Where did they get this info is what I think about?


September 1, 2021 at 4:28 PM by
American Credit Express Legal Notice Scam
an anonymous user from: Burlington, Mt Laurel, New Jersey, United States

this is the same letter they just sent me with my information.


October 5, 2021 at 1:15 PM by
American Credit Express Legal Notice Scam
an anonymous user from: Bexar, San Antonio, Texas, United States

I got the exact email an its scary cause its seems legit with all my correct info an old phone number


December 20, 2022 at 11:36 AM by
American Credit Express Legal Notice Scam
an anonymous user from: Bexar, San Antonio, Texas, United States

Right they have all my personal info, I mean all of it! My full DL# and last 4 of social, address an all thats more than enough to make my life h**l I habe a freeze on my credot reports but is that enough


September 20, 2021 at 10:19 AM by
American Credit Express Legal Notice Scam
an anonymous user from: Middlesex, Plainsboro, New Jersey, United States

I have the same email


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Online Threat Alerts Security Tips

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

Before providing any personal information, such as your date of birth, Social Security number, account numbers, and passwords, be sure the website is secure.

Stay informed on the latest cyber threats

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

Use Strong Passwords

Strong passwords are critical to online security.

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.
  • 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 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

About Online Threat Alerts (OTA)

Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

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.

Online users can help by reporting suspicious or malicious messages or websites to OTA. And, if they want to determine if a message or website is a threat or scam, they can use OTA's search engine to search for the website or parts of the message for information.

Help maintain Online Threat Alerts (OTA).

American Credit Express Legal Notice Scam