On Friday 5/22/09 'Andy Hunt' from American Credit Services called my place of employment. He told the secretary that the number I had supplied to him had been disconnected and asked her for my phone number. She obviously did not tell him and he asked her to have me return his call at 818-296-4015. She sent me a message immediately. I already knew something was wrong because only my close family numbers have my work number for emergencies only. I called the number back and asked to speak to Andy. I was told I was talking to attorney 'Joe Brown', and that Andy was his assistant. I asked what this was in regards to. He said he was from the Crime Monitoring Division of ACS and that this issue was time sensitive. 'Joe Brown' had a very heavy accent and was hard to understand. There was lots of background noise as well. I requested to speak with someone else because I could not understand him very well and he said he was the only person I could discuss this with. He first asked me for my lawyer's information. I told him I didn't have a lawyer. He had all of my personal information including my home address, email address and the last four numbers of my SSN. He told me that I had an outstanding debt with Fast Cash International for a payday loan in the amount of $300, and that they had tried to contact me several times over the phone and had also sent 17 emails. He gave me my previous bank name and an account number that the money had supposedly been deposited into. Flags went off again as my accounts with that bank had been closed for almost a year and the account number didn't match. He said that because I did not pay it back I now owed almost $5000 in late fees and penalties and that he needed to read me an affidavit before he could continue with the conversation. I told him to continue and he informed me I was being charged with Violation of Federal Banking Laws, Check Fraud and Theft Deception in the court of California. If I did not comply with him the information would be faxed to my employer and I would be served papers on Tuesday morning (Monday morning being a holiday, Memorial Day) along with a letter that would terminate my employment. 'Joe' continued on saying that I would lose my job, my driver's license, all of my credit/debit cards and never be eligible for loans or mortgages in the future. He also said I would be going to prison if I didn't comply. He even said that two of my references would be sued because of this. He was extremely condescending and rude and would not let me talk. I immediately began panicking because I had never taken out a payday loan from this place. This was the first time I had ever even heard of them! He continued on, saying I had the right to seek legal counsel and that the only way to avoid going to court would be if I paid an OOCR (Out of Court Restitution) of $986.00 immediately. I told him I could not pay that. He told me then that I should enjoy the Memorial Day weekend with my family because I would never see them again after Tuesday. He went on to say I would have to pay $1900 in court fees plus bail and any transportation costs because Tuesday morning he would be sending two of his investigators to pick me up from work. I asked him if I could call him back in half an hour because I wanted to speak with an attorney. He said ok but that I better call him back as promised as our call was being recorded and if I did not return his call I would be in even more legal trouble. I immediately spoke with some friends and family members and also researched this 'ACS' company on the internet. I first searched the phone number and found out it was a land line phone. I also went to the bank and had them look through my account history and they found nothing. I found this site and immediately felt relieved that this was a scam- I had a feeling it was but with the information he had (I'm still trying to figure out how he got my work number!) and the personal information he had I was very concerned. I contacted my aunt who is a lawyer and I also contacted her father as he works for the FBI. I called 'Joe Brown' back and told him I could prove that I had never received the money. (I wanted to see what he'd say.) He said that he had all the proof he needed to take me to court and that he had never lost a case, that this one would be no different. He said shame on me for taking out a loan and not paying it back and that this was stealing. I then told him I knew it was a scam and that while it was a nice try, I had contacted my attorney, the FBI and would also be calling the police. He quick said 'See you in court!' and disconnected the call. When I tried to call the number back again it was busy. DO NOT FALL FOR THIS! I called the police right away and they said several of these scams have been going on lately. I also reported them to the Department of Homeland Security and I will be filing a report with the Better Business Bureau. This is really scary.

First off all of these blogs are my story to a T. We was contacted yesterday by a man with a strong India accent named Justin Wright. Ok we wasn't home and he left a message telling us that my husband or his attorney needed to contacted him and if we didn't and I quote" This message is ("agenitle or attended" not really sure) ___ ___ from the second you recieve this message I need you or your region attorney of records to return the call. The issue at hand is extremly time sensitive my name is Justin Wright the hotline to my ext. is 516-717-1623 I repeat it 516-717-1623 Don't disregard this message and do return the call. If you don't return the call If I don't hear from your attorney either. The only thing I can do is wish you good luck, ( "a cheerful call from you" not sure here either the accent gets me ) Good Bye, Take care." This was straight from the answer machine. He told me I had recieved money on March 09" for a payday loan.He knew all my info just like everyone else. I was scared. I told him that there had to be a mistake and told him my wallet was stolen back in October. He told me they had sent me 80 emails in 09. And that their was no way that anyone could get my email from my wallet. He was yelling at me which made me furious I ask him how he knew what was in my wallet did he steal it. he continued to say that my Husband was in Violation with Check fraud and that we owed 700.00 and if we didn't pay today then by Monday that he would be prosecuted by his law firm. I ask him send me an email with this information where it was from and that I couldn't understand him he said and I quote" Quit acting like a baby you know exactly what I am talking about and if you don't pay today then your husband will go to jail" I ask him where is this going to be held at he said at my county code and I kept asking him what county code my zip code. he yells at me and says stop raising your voice at me. Code county code i said can you spell it he spelled court I said oh you mean court like the court house, he said yes. Your county attorney will prosecute He asked if I had an attorney and I said yes. Then asked him who is prosecuting he said your county attorney and I laughed. he said what are you laughing about do you have an attorney. I said my attorney is the county attorney he said then what is his name and I gave it. Im a hillybilly in a small town everyone knows everyone here and just so happens the county attorney lives here. and Is a family friend. So I get off the phone and my husband did a reversal phone listing. and looked up saugus, ny no place exsist. Just Saugus Mass. It came up a cell phone in Ny. My husband was like it's a scam. So to be sure we call the attorney today and the bank to see if there was a deposit made and we missed it. The attorney was laughing and advised us to tell a well known detective. So the detective calls them and we didn't get a chance to call him back with the results but I will tommorrow. So I called then this morning and asked for Justin the guy told me he was in a meeting "I HOPE". I said then let me talk to a supervisior he said they was all in a meeting. I said well then you can look this up for me he said I am just the phone operator. I said so you are telling me that there is nobody else to talk to just you no suporvisiors he told me to call back in an hour. I could hear all kinds of noise in the back ground like people laughing and them covering the phone and I could hear him yelling for him when I called back I just couldn't make the name through the accent probably sdhgkjndsvkjnv. who knows. Then at this point we knew we was gonna have some fun with these people. So when I call again a woman is on the phone she said hello can I help you I said who am I speaking with she said can I have your last name. I said not until I get your name she said bla bla bla call back when you can give me a last name. So I call back again and begin to ask alot of questions this Justin guy was furious and told me that it would be handled in court Monday and then I ask where do I need to be at this is when he gave me the Saugus Ny 92865 and tells me that if " I call again he will press harassment charges on Me" I said please do" and he hangs up on me. So all day today I have researched every detail of our conversation Saugus is in Mass., then there is the Ny where there phone number shows up then I thought ok what about the zip code. So I research it, it's in Orange County California. So we have called the number using call block and called all the numbers everyone else had posted. And so far they are all the same people. But one thing is weird one call we made and just hit mute the guy sounded like an AMERICIAN saying Hello can I help you" it was the same number I have called all day I had been hitting redial and just listening and then my husband it being on speaker said that is no cell phone its a corded landline they had slamed the phone down. So this is our story the same as everyone elses. And for the record it is 9:30pm tonight and now there line is not in service. IT IS ALL SCAM!!! THey will continue to recieve my phone calls and I am going to show them what harrassment is all about!!!

I got a call in the office 2 weeks ago regarding a loan from fastcash and it was from a Mr. Robin Jackson and the phone number is (817)717-7313. He said that i didnot reply to several emails from a loan company and now immediate payment for $614.00 should be made or i need to go to court to settle this. A particular Mr. Michael Brown with phone number (724) 825-4886 also called regarding this loan. I was so surprised receiving this call and honestly i was terrified, calling me at work and harassing me. This is such a very bad experience.

I received a disturbing scary phone call today from a man with a middle eastern accent. He made threats that I would be sorry and good luck if I do not call him the second I got the message.
I returned the call. the number on my caller id was local, yet the number he left was a 646 exchange.
The background was noisy and the person answering was not "Eddie Jones".
He told me to hang up and Eddie would call me back. (Already suspicious)
When Eddie called he started with the information that I and my "apprentices" would be thrown in jail tomorrow morning and that I had 3 criminal counts against me. All fees so far were 5500.
When I regained my composure, I inquired about who this was from and he was very vague. He mentioned AMS, American Credit Services. He said that I had had a payday loan in May 07 for 480 that was not repaid and they had
tried to debit my account but couldn't.
He said they had "written" the debt off but were going to make an example of me so others would repay their loans.
He kept telling me it was too late to do anything, but be prepared to go to jail and let my family know where I would be. He suggested I retain a lawyer to get me out.
When I pressed to speak to someone else he said only he could help me. If I send 1295 immediately he would speak with the lawyer they have and hold my account.
I said I didn't have that and he said to write a letter and fax by 4 that said I owe the money but have 3 reasons i cannot pay until my next paycheck.
If I didn't fax this letter I would be shackled and dragged to jail tomorrow morning from my house.
He had my address, ss#, phone number, employer, birthdate, sister's names, etc!
this is wrong!!!
I want to catch them and prosecute. Life is too stressful as it is.

I received a call on my cell phone from a guy telling me I would be taken to court unless I settled a payday loan from December 2008 for $300.00, today. I told this gentleman that I never took out a payday loan and he told me my SS#, bank account and home address and what day it was deposited. I did the research and did not find any such deposit and called them back and told them. They told me I would be arrested the same day for fraud unless I paid them.
Can't the Attorney Generals office take care of people like this?