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.
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" roberto.rodriguez@ace-inc-usa.com
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:
SSN:
D.O.B:
IP:
Employer:
Employer Phone:
Address:
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
Email: customer.support@ace-inc-usa.com
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