My husband received an email from a ACS Legal group regarding a loan we never took out. They claim it is with Advance Cash America (which doesn't exist). The real name of a payday loan company is Advance America. There is however a advantAGE cash Service, but is a Tribal loan company. They are ILLEGAL in any state that they do not have a licence in (which I think the only state is OK). If you have ever looked or applied for an online payday loan they will fraudulently deposit money into an account and then charge you like 90% interest (check the small print). They will NOT let you send money order or any payment through the mail, they request you give them your bank information so they can autodebit the account; in which they suck you dry. DO NOT APPLY ONLINE FOR ANYTHING UNLESS YOU KNOW FOR SURE WHO THEY ARE !! This is a complicated situation as because they are "tribal" they can claim they are not held to US laws; so its difficult for agencies to prosecute them ( I know I've contacted several)
This is a criminal extortion scam operating out of India. They are making the calls utilizing VOIP and the names of legitimate firms to make it appear the calls are originating from within the US. There is NO "company" or "debt" and you will NOT be arrested. They are harvesting and/or buying consumers' personal identifying information from unscrupulous websites like the one you may have filled out an application with, and you need to do whatever you can to protect yourself. This includes: Notifying the FTC: https://www.ftccomplaintassistant.gov/, placing fraud alerts with all three credit bureaus, notifying your bank and employer and letting these criminals know you are aware they are attempting to extort money for a non-existent debt and have alerted the authorities.
ABC News released an investigative report on this scam in June. The FTC has indicted one of its ringleaders for criminal fraud: