Have I Been the Victim of a Fake Payday Loan Debt Collection Scam?


Dear Steve,

Speedy Cash This Year sent me some lawsuits and Last year, ACS Sent me some things

I think these are the same 2 scams your talking about.



Dear Patrick,

Thank you for sending me an image of one of the notices you received. It is clearly bullshit.

I looked at the first page of the email and made a few observations that set off scam alarms.

Have I Been the Victim of a Fake Payday Loan Debt Collection Scam?

Let’s start from the top.

  1. Subject word not capitalized, and it’s the first word. An indication of sloppiness and typically something a law firm or professional collections company would not do.
  2. The email was sent to a list; you were blind carbon copied (BCC) on it. Typically this is done when one email is sent to a large group of people without identifying the recipients. That’s just laughable. Everyone got the same case number?
  3. Transferred to ACE? Who the fuck is ACE. The email claims the debt is owed to ACS, not ACE.
  4. They checked your SSN through their National Checking Database System. A collection company does not have a database of all checking accounts.
  5. Grammar issue.
  6. “Freeze down this case.” What the hell does that mean? LOL.
  7. Wrong word. It is a debt, not a credit.
  8. “Once the case has been downloaded,” more WTF moments.

Thank you for sending this to me, and keep me posted if you get more of these scam emails.

You might not get enough emotional satisfaction by just deleting this email, so please feel free to print it out, crumple it up, and set the paper on fire.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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4 thoughts on “Have I Been the Victim of a Fake Payday Loan Debt Collection Scam?”

  1. What is the next thing i should look out for with the payday loan Scam person! He said it was the last chance until they go to court.do they come up with fake court papers? If i dont get served papers then im ok

    • They can say anything they want to try and scare you, but facts don’t lie. Did you have a loan with that payday loan company that you did not pay? Was that your account number?

      If you think it is a scam and you want to do something to check it out, file a complaint with your State Attorney General’s office and report them as a scam.

      That will get them off your back.


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