I did not receive a phone call from these individuals, but I did receive a very ominous email today in regards to a "loan" my mother supposedly applied for with my email address on her documents.  Just out of curiosity, I opened the email.  It said the following:

____________________________________________________________

My name is Kandy Jones and I am a legal adviser with "Cash Advance EZ". This email is about the criminal law suit going to be filed against your name so it has nothing do with bankruptcy.

I want you to note down the file number which is "8507405" , which is for criminal lawsuit and not a bankruptcy filed or you will file so keep your bankruptcy lawyers in your pockets.

Please read the legal affidavit carefully before asking any questions to you or to us.  

Legal Affidavit :

Our client is pressing charges against your name regarding three serious criminal allegations:
count (1) Violation of federal banking regulations.
count (2) Collateral check fraud.
count (3) Theft by deception.


   Now, this means three things for you. If you are under any state probation or payroll I need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed on your name.

   This is to inform you that the creditors do have all the rights and authorities to inform your employer what you have done in the past and what will be the consequences once the case will be downloaded and executed against your name.

   The entire cost for resolving this issue out of court will be $980 but if you like to fight this case in court house then this law suit will cost you over $5345 which is including loan amount, attorney's fees, and the interest charges. You have the right to hire a criminal attorney. If you don't have one or if you can't afford then one will be appointed for you, but please make sure you have someone to take you out of jail when the judge hears the case.

Some quick questions to know how innocent you are:
1_Have you done this intentionally or was it because of circumstances?
2_Who is pressing the charges? ? Cash Advance EZ(us)
3_FDCPA is aware of your fraud ? running away with all money.
4_If you have any doubt, we can send you loan agreement to prove you the legitimacy(It costs $50)
5_If you are regretting that you have done it intentionally and you want to pay it back then we can still help you.
6_If you want to dispute this case, just reply dispute and we will send local police/FBI to your place of employment to pick you up.
7_None of the above was a threat, it?s all legal warning allowed to us by all means of LAW in all states.

Reply us back to this email to resolve this issue or ready yourself for the courthouse or in the worse scenario in jail.

Best regards,
Kandy Jones



This e-mail contains PRIVILEGED AND CONFIDENTIAL INFORMATION intended solely for the use of the addressee(s). If you are not the intended recipient, please notify the sender by e-mail and delete the original message. Further, you are not to copy, disclose, or distribute this e-mail or its contents to any other person and any such actions are unlawful.This e-mail may contain viruses. The company has taken every reasonable precaution to minimize this risk, but is not liable for any damage you may sustain as a result of any virus in this e-mail.You should carry out your own virus checks before opening the e-mail or attachment. The company reserves the right to monitor and review the content of all messages sent to or from this e-mail address. Messages sent to or from this e-mail address may be stored on the company's e-mail system.
__________________________________________________________

And since, after doing a little research, I was amused, I replied with the following:

I've seen this email before in it's various telephone incarnations from people online.  I don't know who you are, but I can guess how you got my email address and my mother's name.  I don't care what you know about her, but I know several things which I think you should be aware of.

First and foremost, your assertion that this email is "PRIVATE AND CONFIDENTIAL" is absurd.  (I like that you thought it necessary to use all capital letters, however.  Very threatening to the recipients you intend to defraud.)  The privacy clause only applies when the lienor has signed a confidentiality agreement agreeing to such.  However, I know for a fact that she did not.  Therefore, should she have seen fit to show this email to me (if this were, indeed, her email address), that would have been legal right.  As well, it would be her legal right to show this email to whomever she chooses (FTC, anyone?).

Secondly, the various "charges" stated are criminal allegations.  You are aware that any criminal court would dismiss your "lawsuit" with accompaniments of laughter from every corner of the gallery, right?  A "lawsuit," (or tort, if you prefer the legal terminology) by definition, is a civil matter, and would absolutely never be heard in criminal court.  Secondly, although I'm not positive about the terminology you used to define the so-called "charges," I do know that it is vague in every sense of the word, and that should my mother be guilty of such charges, a federal officer would be the one notifying her of her alleged "violations" of federal law and the United States of America would be the one pressing charges.  While your obviously phony "company" would be free to file a civil case in an effort to recoup monetary losses, you would never be the one to press civil charges OR notify the defendant(s) of any impending charges.

And oh yeah, the FDCPA could never be notified of anything.  It is a LAW.  It is not, in any way, a tangible government organization - or any branch thereof.

Maybe it's because I work in collections that I felt the need to reply to this obnoxious email, but I don't think that's it.  I think it's because I'm bored today, and I figured "Hey!  Why not?!"  Know what I mean?
__________________________________________________

For those of you out there receiving these telephone calls (and for anyone who might receive an email such as the one I replied to), please do not let yourselves be bullied by these individuals.  Knowledge is power, and I was able to find out in less than a minute after receiving this email that these people are obviously scammers looking to take honest people for their hard-earned money.  Never accept a collection call that you receive.  If you feel the call is potentially valid, ask some questions. And if you get no answers, Hang Up!  The only question to ask should be: "What company or individual are you calling in regards to?"  Be suspicious, first of all, is this is not the FIRST thing they tell you.  But, if they answer, ask to call them back.  If they refuse, that's too bad because any collection company worth their salt will be more than happy to give you the time to verify their credentials.  If they agree, however, thank them and promptly call the company or individual with whom the debt originated.  You shouldn't have to ask too many questions for them verify the collection agency you reference.  If they don't, that's that.  If they do, call the collection agency back, of course, and conduct your business.

Important to remember:  legal collection or not, if they are rude to you, you have the right to ask that you be allowed to speak with someone else.  If they refuse, or if the new person is also rude or mean, that IS what the FDCPA is for.  You have rights and a recourse of action just like anyone else.  Notify the FTC immediately about what is going on.

no phone call

This phone number has been calling me saying I will go to jail if I do not pay a certain amount of money.  I told them I had reported them to my local police department and also saw online where they are a scam and I have reported to the authorities they were calling me. They hung up on me and have not called back so far.

Do not interact with them at all. They somehow get past debt info and then threaten people. They are not a legitimate company.

I'm getting the same calls.  At first there were men calling me now it's a woman named Jennifer Thomas.  She has the same accent as the men who call.  Today she has called my job and my cell number claiming that it's time sensitive, my attorney needs to contact them immediately and not to ignore the message. They have been harassing me for over a year now.  The harassment will go on for a month or so then it stops.  I received a call last week and asked the guy for an address.  He gave me a bogus address that doesn't exist.  Supposedly it's in California with a Nevada phone number. I have contacted the Attorney General's office here in Nevada and I sent an email to the FBI.  Hopefully they will get the message and leave me alone!

Called my cell phone from a blocked number, so I didn't answer it.  They then proceeded to call me at work and left a voicemail saying it was a legal matter but gave no other information.  Heavy accent her name was Sandra Smith.

I've been in debt before.  This is not how legitimate collectors roll.

I received multiple voicemails from this outfit.  Again, an East Indian accent with the name of David Parker.  People in the background yelling at whoever was unfortunate enough to be on the other end of their phone line.  I called them back and told them to stop calling me and that I had reported them to the FTC and that I knew a scam when I heard it.  Then David Parker called me names and invited me to perform a number of sexual acts on him, if you get my drift.  Then he hung up on me.

Well said!! F-ing bastards.

I was called at work by a Lisa Smith, claiming a time sentive issue, that I or my attorney of record should call her immediately. That they were issuing a warrant at law offices in the state of CA for an unpaid payday loan.

Is this a valid company?  I practically had to beg him to tell me the name of the company is was with.  He would only give me his name David Walker.  I continually had to ask him to repeat himself due to his accent.  He wouldn't tell me how much I owed and to whom saying that I needed to pay up asap or Federal Investigators would be at my door to arrest me. I kept telling him that if he would just tell me who I owed money to and how much and provided it was valid that I would pay it.  But, he just kept repeating himself over and over in a threatening manner.  He finally said he would send me an email with some the legal allegations and affidavits.  But that the amount and creditor could not be included in the email.  I still have not received an such email but continue to get threatening calls from him.  How can i find out the validity of this?

I just received a voice message from these same scam artists with the heavy East Indian Accent.  They are the same people that called me from the following numbers 626-768-2536, 646-434-2472 and now the same individual indicated that his name is Steve Brown, his other names were Ricky Columbo, Simon Morgan, Officer Logan.  I do not owe these people anything and I know that it is a scam.    If these claims were legitimate, they would have send you the information in the mail.  They are so stupid and illiterate it isn't funny.  I just got off the phone with the Attorney General's Office and filed the necessary forms with the FTC so they are on it.  I have saved every single messages that they left me.  

I actually met with a few Media officials to have this story broadcast nationwide.  Let see what happens when their situation unfolds, they will need the good luck....

hahaha you are hysterical. we can all tell by the way you write that you are one of these people. learn english, and get a real job you dumb sand nigger.

So why are you sending people to Florida, if the phone number is out of Akron, NY?  Look at this he is part of the scam artists.

They might want to get their story straight before they post stuff on here, people like me know how to use the internet to our advantage.

I think the last person on here is part of the scam.  Mr. Victor Shawn claims to be a Las Vegas police officer, but gives no proof.  Plus if he actually was her would use better grammer.  An officers reports must be perfect.

As for this, I was threatened that within one hour I would have an officer standing in front of me--well that was well over an hour ago.  Plus how do they know when you receive your messages.

What has happened is that they have an old file from my bankruptcy.  Yes I included a payday loan in that, but I can not be brought up on fraud because I have taken care of it LEGALLY.

I have about 30 lawyers who I can call on that are part of my biker's club--you know the HELL'S ANGELS.  So I hope these people understand that they can not threaten someone who has done nothing wrong.

What is funny is I asked them to call me  back with someone who didn't have an accent because I couldn't understand them over my cell phone.  But the same person keeps on calling--do they understand ENGLISH?

a legal company ACS I had visited this company it's located in Florida (Tampa)  
and this is really not any kind of fake company . The day I had got a call from them
Regarding my debt I had simply rejected that thinking of fake
but after a week there were investigation officers who came down
to my employment office and also my mailing address I was fired from
my job I also had to pay a fine amount i.e $5894 in the court house of las Vegas
never disregard this messages and whatever your debt is pay it and don't
suffer from any severe problems as I had to ................
If u don't belive this u can go to Florida Tampa and visit their company
if u don't belive   I m a sheriff of las Vegas ........

More middle eastern individuals with names like Mark, Sam, anything that is highly Americanized.  Have not listened to the message but it sounds like the same scam artist ring that harassed me constantly, daily for several months claiming I owed money on a pay day loan that never existed.  Be careful what you fill out on the internet.  Do NOT answer these calls...they are a SCAM!!!  Give NO information!!!  Do not try to confront the individual or inform them you have no such account...you will only be met by resistant, hostile individuals who then resort to profanity, which only validates they are NOT a reputable company of any sort.  Get ready...they will also harass you at your workplace repeatedly.  Unfornately these numbers are not traceable and little can be done even if you contact the Better Business Bureau or your Attorney General.  Terrorism by phone scam.

A man with a strong Indian accent named David Walker from ACS: LAW FIRM called me yesterday saying I had 3 allegations against me from Cash Advance.  They said Cash Advance deposited $500 into my Chase bank account and when they tried to take the money back out it was declined so Cash Advance is sueing me for $5000 + the $500 I owe them!  They read me my "affidavit" and stated that my court date was tomorrow.  They had my SS#, my address to my home and work, my work phone number, my cell phone, and they even knew what bank I used!!  They told me that my employer and I will be served and taken to court tomorrow and if I can't come up with the money then they will detain me and throw me in jail!!  I then started freaking out and got my boss on the phone where they then hung up on her.  I went to my legal department at Scripps where they told me it definitely was a Scam and to call the police. so when I called the police they said couldn't do anything unless they harrassed me more.  I immediatly started googling about this "ACS LAW" and found hundreds of cases just like mine.   I hope these people rot in hell and I wish there was something we could do about it!!  If you get one of these phone calls do not believe them!!  They are a**hole scammers!!!

Have been getting the same phone call for about 3 days  They called me 20 x in about 5 mins trying to reach me and finally left a message,  Myself or Attorney of record to contact them or action will be taken.  Do not disregard notice or face consequences. All I can do is wish you good luck with what left of life.  Same exact wording each and every time.  Report them.  Every one who gets a call.  The only way they will be stopped

I have been receiving phone calls from this same number for the past 3 or 4 days, from a man claiming to be David Parker.  I also received a call from a man who says he was David Walker (they sounded like the exact same person).  The man had a heavy accent and I could barely understand him.  He claimed I owed $500 and I had to resolve the matter immediately, if not I would lose my job and go to jail.  They also asked me to fax them an apology letter and provide personal information including my debit card number, social security number, and address!  I faxed them a letter and told them that I knew that it is my legal right not to provide personal information and they couldn't tell me who they were except that they were from the "Law Firm".  Then I told them they would be hearing from my attorney the next time they called me.  They put me off everyday and nothing has happened yet.

These people are calling me and my friend and my daughter. They leave a scary threatening message that I am in legal trouble and I need to have an attorney contact them. I AM NOT in any legal trouble nor have I ever been!!! How do I get them to stop?

Same song and dance as posted emails.  Just received a threatening call from Max.  I'm not calling back, made the mistake of calling back on a previous call from these people.  Stated that I had defaulted on a pay day loan - which was not true.  They scare you to death.  Something should be done to stop this harrassment.

They people are out to scam American people of their hard earn dollars.  I have received numerous calls starting in February 2010 I have asked repeatedly for them to fax or email the documentation or provide me with the name of the firm who claimed that I got money into my bank account. At first I was so scared I called my bank and reviewed my statement and honestly no money was never deposited into my account from any pay-day firm.  when I reviewed the statement I decided to check the website and found out that other people had the same issue, these people called me from so many different telephone numbers and I have them all written down, I even got my Company corporate security and law department involved I then got my Attorney and the FBI involved since I saved every single messages that were left on my cell and office lines.  I have met with the media to have this scam brought to the attention of the nation.  Not certain when it will be aired......

If anyone tells you that this is a legitmate matter, they are also involved in the act.  My Attorney has instructed me to do not answer their calls whatsoever and if they do continue to harrass me he will handle the matter differently.  

Legitimate companies do not divulge personal information on the phone like that.  What is so funny I called back the number and the person who answered had a different accent, typically Amercian accent, I asked for the person who supposedly called Mark Limbar and he said that's him so I asked " why when you called you spoke in a different language" he hung up on me.

I don't know what scam they are trying to pull but they will not continue to get away with it.  I wish them good luck as the matter unfolds on them.

Also the FBI traced the number it is out in California that's all they have.  More details to follow on these BASTARDS.......SCAM ARTISTS.

DO NOT LET FEAR CONSUME YOU WHEN DEALING WITH THESE PEOPLE.

I got a call from these people yesterday. They cursed at me and told me I was in real big trouble. They also left a threatening voice mail on my work phone when I got to work the next day. These people are SCAM artist. When I told them that, they hung up the phone immediately. Please do not listen to these people, they said they were going to throw me in jail about 6 months ago and they haven’t yet. It’s weird that such people can call you and use this type of language and get away with it. They need to get a real job and go back to their country.

I had a middle eastern man call me telling me I had a pay day loan that I owed them from last year for $800 dollars.  He said that I had two options I could pay the money right now or go to jail at 11:00 tomorrow threatening to come to my work with a warrant.  Then I asked them what agency did he work for he said ACS and his name was David Walker.  We then asked for an address and to speak to his boss the attorney who filed the case and he could not produce an address and put me on hold.  I was waiting for 16 minutes on hold waiting for an address, no answer.  This man was a scam threatening me and telling me I needed to make immediate payment or jail.  This was the number 716-442-2824 please be cautious of these people scam.

whatever its against the law

CHURAN, They or you are NOT LEGIT!! ALL YOU ARE IS SCAMMERS SO LEAVE US ALONE!! JERKS!!

I have been getting the same calls from a JOhn Taylor from Bureau of Crime Investigations # 646-718-2512 he said there was a lawsuit aginst my SS# and that they would come to my house and Investigate. They had my SS# and my address and my employment info and everything. I called them back and I didn't so my research I guess because now they have my info. I asked them what loan did I take out they said cashadvance.com, this site is very broad and I also contacted them to verify some information. I've aslo contacted a lawyer and now am watching my bacnk account closely to make sure I'm not robbed.

POLO QUEEN SOLUTIONS
303/ 4/ 5 A-Z Industrial Premises,
G.K. Marg, Lower Parel,
Mumbai - 400 013. NDIA.
Board: +9122 - 2493 5421
Fax:+9122 - 6661 5902
Email: info@poloqueen.com
ERP Division
231 A-Z Industrial Premises,
G.K. Marg, Lower Parel,
Mumbai - 400 013. NDIA.
Direct: +9122 65212181
Fax:+9122 - 6661 5902
Email: sudhir.jain@poloqueen.com

I am reading all of these messages from all of you good people, and I'm mortified.  They are calling from different numbers, giving different names, and stating they are calling from differenct agencies. What I have found by calling the 3 different numbers they have calle ME from in the past two months, is that all three have been disconnected.  Intersting . . . have any of you called these numbers back?  I'm sure you would find similiar messages.  The turn around seems to be very short.  By the evening of the same day they call, they have moved on to another number, another name, and a another company from which they are representing.

What they all have in common, however, is the strong middle eastern accent, that it is a payday loan of some type that you owe, that they are trying to collect $800, and that they threaten to have you arrested and put in jail or that they are going to report YOU to the FBI for fraud.  Yeah, right!!!  

This is actually quite laughable when you think about it.  They are so unprofessional that it tips off most everyone they try to scare money out of . . . good for you if you questioned who they were, etc.  I personally asked them to send me all of their information and when I received it I would call them and straighten this all out.  They never did.  Surprise, surprise.  

BUT, ~ 3 weeks later, they called my references and started harrassing THEM.  Now, it is beyond just a scam, they are committing "defamation of character" and I feel bad for the small percentage of people who must be actually paying them out of fear.  

I just got off the phone with a Sheriffs Deputy who informed me to change my home phone, inform my refernces about what was going on, and to not even speak to these people!!!  The FBI has already been contacted and one of you stated that you had also contacted the media.  The deputy informed me that this is all that could be done at this point.  So, just don't talk to them or give them the time of day, and wait to see it on television some day soon.  :-)  

Hang in there, and try not to give them the satisfaction of causing you any fear or anquish over this.  That is exactly what they are hoping for . . . don't give them that power over you!!  Hang up, learn something, change your number if you have to, let your references see all of these complaints, and go on with your life!  

Bless all of you who have taken the time to warn us about these horrible people.

GOOD FOR YOU!!!  THANK YOU!  THANK YOU!  THANK YOU!!

SO FAR I HAVE READ SEVERAL DIFFERENT, BUT ALL AMERICAN NAMES COMING FROM MEN WITH STRONG MIDDLE EASTERN ACCENTS . . . IRONIC?

SEVERAL DIFFERENT PHONE NUMBERS WHICH ARE ALL NOW DISCONNECTED.  THE ONE THEY JUST CALLED ME FROM TODAY, 1-904-410-3882, HAS ALREADY BEEN DISCONNECTED.

AND, SEVERAL DIFFERENT COMPANIES THEY CLAIM TO BE REPRESENTING.

DO NOT LET THEM BULLY YOU INTO GIVING THEM MONEY OVER THE PHONE.  JUST LET THE PEOPLE YOU LISTED AS REFERENCES KNOW WHAT IS GOING ON, CHANGE YOUR NUMBER, AND DON'T WORRY ABOUT A THING.  THEY ARE JUST TRYING TO INTIMIDATE PEOPLE INTO GIVING THEM MONEY THAT DAY, AND IF THEY CAN'T THEY MOVE ON TO A DIFFERENT NUMBER, NAME, AND COMPANY.

.