ACS collections
Date: Thu, 05/31/2012 - 11:03
I received a call earlier this month from ACS stating I would be served on a specific date if no settlement or payment arrangement was made for a pay day loan I did not pay back in 2010. The representative that I spoke to stated check fraud charges would be placed against me in my local court and I could possibly even have to serve jail time. I do recall having to apply and getting a pay day loan from the company they say they are representing and because of that I called back to try to get some sort of arrangement. I am a single mother of two who lost her job 3 months ago and have not been able to get a good paying job like I had before so I don't have the amount of money they say is owed. I asked them to send me proof of the payments made towards the loan because I recall making payments however around that time I had problems with scams that were drafting payments from my account so I closed my bank account without thinking about that pay day loan. However, the representative did not offer to send me any information, instead said to go to my bank and ask for my statements from back then. Because it seemed serious I set up a payment arrangement with them thinking that by this time I would have a secure job and would be able to make pymts. That did not happen. The second payment was going to be drafted yesterday but because I was going to have no funds in the bank I called them trying to make a different arrangement but they did not reach me until today to give me a response. Their response was that they would proceed with the charges for check fraud iand would be served f I did not respond within 2 hours. I have absolutely no money at all right now, no unemployment benefits and no income coming in so I'm really scared about what can happen. I went online to look up the company to see what information there was about the company and now I'm coming accross all these reports about possible scams from a ACS company. I checked my bank records to see how the first payment towards the debt was posted and it is listed as a check card purchase which worries me because usually when a payment is made to a company using a cc or atm card it is listed as a ACH transaction not a CHECK CARD PURCHASE. Can anyone please give advice about this?
You need to work very fast here. This is a total and utter scam.
You need to work very fast here. This is a total and utter scam. You need to go down to the bank and ask them to have your current checking account closed and have a new one opened. Tell them that your personal information has been compromised. Did you give them your credit card number by any chance?
You need to understand something. NOBODY can take you to jail for failing to repay a debt, cannot file check fraud charges. Failure to repay a debt is a civil offence, not a criminal one. When you get such a call threatening to file charges, have you served or arrested, always always always get the collectors to have the debt validated IN WRITING. It is a part of your legal rights. Collectors have to validate the debt if you ask them to. If they don't, you don't pay either.
You should also do one more thing. Call up all the credit reporting agencies (Equifax, TransUnion and Experian) and ask them to put a fraud alert on your credit report
This sounds like a serious scam. You should call the cops and fi
This sounds like a serious scam. You should call the cops and file a complaint against the name and the number of the person calling you from ACS.
Thanks!
Thank you so much for that information. I did, unfortunately, give them my debit card information so I have already contacted my bank and reported it lost/stolen and have filed a complaint with the FTC. I received another call today giving me until 4 pm today to make a pymt even though they stated yesterday they would only give me 2 hours yesterday morning. I requested, as you stated, paper proof of the documentation that they state was forwarded to them and they got nasty and eventually hung up after threatening me again to forward the recordings to their attorney.
Acs
Hi My name is Joe I received calls from this place and have been since before may I payed to payments and finally lost control of my temper on them today I notified an attorney in chicago and planing to sue they are doing this illegally so please notify me if you want the attorneys number again acs has been threatning me my grandma whos a heart patient and almost caused her to have a heart attack when I told there process server this the process servers response was oh well. dont pay em sue em
Joe
me too
They have been calling me on and off for EIGHT MONTHS. They call in the middle of the night, they call when I am eating lunch, they call early in the morning. (don't they ever go home?) They demand payment and when I say "for what?" they get mad and threaten me. What kind of legit company won't give you details on your supposed debt?
scam???
Ok so I had a check loan with the place they stated... I dont know if this is a scam or not... I know this I am on Utah state probation and they keep calling my mom in Vegas my step brother in the coast guard in Alaska. My grandmother in PA and me of course. I dont understand why if they are "real" and going to arrest me, my probation officer hasn't heard about this... All though I made 2 payments so far and have another one due Monday which I am ready to pay... please help me if this really is a scam or if they are a legitimate collection company. I mean I know i owe the debt so I am not worried about paying it. However if I do pay it I want this loan GONE! Please let me know asap.. either email me Removed your email per TOS and your safety or Removed your phone number per TOS and your safety
This is a scam DO NOT PAY THEM ANYTHING. If you have paid anythi
This is a scam DO NOT PAY THEM ANYTHING. If you have paid anything file a chargeback. Tell your probation officer you are being threatened with arrest.
this happened to me. the
this happened to me. the exact same thing. I was scam before and received another call for a loan that I had already paid in full. they had all of my information including Social sercurity, and family members info. Threaten to send sherriff to my place of residence or work to serve me or go to jail. What I owe was more than what the loan was for. they state that the increase amount was for lawyer fees, court, etc. Do not give any money until you call the actual company that you owe the loan to and ask what company they sent your account to be resolved. One scam that I know of is called Indian scam. Protect yourself! Please protect yourself. It took me forever to get my life back.
SCAM
TOO OFTEN DO I SEE THESE COMPLAINT FORUMS AND EVERYONE SAYS "SCAM" YOU ARE BOTH INCREDIBLY WRONG AND SOMEWHAT RIGHT. HERE IS THE REAL LOW DOWN FROM A 3RD PARTY COLLECTOR. YOUR DEBT IS NO LONGER WITH THE ORIGINAL CREDITOR IT WAS SOLD TO A LARGER DEBT BUYING ENTITY A BROKER IF YOU WILL. YOUR RIGHT AS A CONSUMER TO "PAY YOUR ORIGINAL CREDITOR" HAS BEEN IRREVOCABLY CHANGED. YOUR NEW "ORIGINAL CREDITOR" IS THE DEBT OWNER WHOM YOU NOW OWE, NOT YOUR ORIGINAL. SO IF YOU OWED A PAYDAY LOAN WITH ACE CASH EXPRESS AND THEY SOLD YOUR DEBT TO NCA THEN YOU NOW OWE NCA. DEBT LIKE ANYTHING ELSE REALLY IS BOUGHT AND SOLD AS A COMMODITY. MUCH LIKE HOME MORTAGES AND THE LIKE. IT CAN CHANGE HANDS MANY TIMES. THIS DOESN'T MAKE YOUR DEBT INVALID, BUT IT DOES DO ONE GOOD THING FOR YOU. YOU SEE THE DEBT BUYER DID NOT PAY [FULL PRICE] AT ALL BUT FOR A PERCENTAGE OF THE NET WORTH. YOU SHOULD PAY THESE PEOPLE ONCE YOU HAVE EXPOSED THIS TO THEM AND OFFER THEM A SETTLEMENT, GENERALLY BASED ON HOW [NEW] GOOD THE WORK [PAPER] IS THE HIGHER THE PERCENTAGE THEY WILL WANT TO SETTLE. OH AND THE WORST THEY CAN EVER DO IS SUE YOU. JUDGMENTS AND GARNISHMENTS ONLY IN CERTAIN STATES, CHECK YOUR STATE LAWS AS THEY SUPERSEDE FEDERAL LAWS IF THEY ARE, IN FACT, MORE STRICT. KNOW YOUR FDCPA LAPS, THE FAIR DEBT COLLECTIONS PRACTICES ACT IS THERE TO PROTECT YOU BUT UNDERSTAND, YOU STILL DO OWE A DEBT AND I WILL LEAVE YOU WITH ONE THING.