11/14/16 - received the email, responded from a DIFFERENT email address asking who the debt had been incurred by and any other identifying information such as their phone number and address.
11/15/16 - received the same email from another email address. Also received a response from them with [my name] at an address in a different state, and the last 4 digits of a social security number that were not mine.
I know someone in that state has my name because I receive emails related to her business from time to time. I cannot verify whether this debt is hers, but I know it isn't mine.
I went back and forth with them trying to get them to give me a phone number or address and they continued to threaten me. Here's the information I have:
Emails came from:
payday debt collection <payday.debt.collection.net@gmail.com>
ACE Inc <payday.debt.collection.net@gmail.com>
The first couple of emails were signed by:
Shawn Johnson
Sr. Investigation Officer.
Collections & Legal Department
(ACE Cash Express)
Please note that any copied & pasted emails I put here were not altered in any way. The spelling and grammar errors are as they were received. Here's the text of the original email (the subsequent email from another email address was the same):
Case File #: ACE/16-SF1112069310
Subject: Loan/Debt Recovery
Case File Transferred to ACE: October 2016
Balance Amount: $963.86
Dear Debtor,
We are going to file a lawsuit in next 72 hours at United States District Court. 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 want to resolve this matter then we have settlement amount for you;
1. If you can pay the amount which is $496.00 within this week 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 $720.00 with payment arrangement and you can pay $190.00 weekly till paid in full.
3. If you are looking for bi-weekly payment then you have to pay total amount of $966.00 with payment arrangement and you can pay $261.00 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 is received 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 THEN CONTACT US IMMEDIATELY ON THIS EMAIL.
Yours Sincerely,
Shawn Johnson
Sr. Investigation Officer.
Collections & Legal Department
(ACE Cash Express)
------------------------------
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Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Each and every time I contacted them I asked for a phone number and/or mailing address for further correspondence but they never gave that information to me. These are the responses I got:
Alright, you are not interested to resolve this matter out of the court house. We are going to file a lawsuit in next72 hours at United States District Court against your Name and SSN. After giving you several notifications we did not received any positive 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 within 72 hours, 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 out of court house or you want to dispute.
Do revert ASAP.
Thank You,
Shawn Johnson
************************************************
We would like to update you that when you owe the loan amount online you provide that rental address as well as your Ssn and also we have evidence which prove that the money was successfully deposited in your account.
************************************************
Kindly show us the evidence which prove your Bank history clearance so that we can update your case file otherwise.
Kindly hire an attorney
************************************************
After giving several notifications we did not received any positive response from your side. We are unable to help you and you will receive court summons at your door steps with the cost of lawsuit.
Kindly hire an attorney.
Do revert ASAP.
Do revert ASAP.
Best Wishes,
Shawn Johnson
************************************************
Please, if you are reading this... DO NOT respond to this scammer. A true and proper debt recovery agency will provide you with both proper debt validation and contact information including a phone number and/or mailing address.
DO NOT give out your social security number or any other identifying information via email. That is the best way to lose your identity.
