Very threatening email saying I owed for an online loan that I never took out. They got my info from when I was filling out those applications but never went through with it.Here is the email -Case File #; CAUSA/06_AL170777;AMOUNT DUE – $1285.32SETTLEMENT AMOUNT TO CLOSE THIS ACCOUNT AT ONCE $750.27 OR TWO PAYMENTS OF $425.00 BY TODAY.Dear Debtor,Our company has authorized us to recover the full amount due to them.As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that’s the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.We regret that if we do not receive your response within the next 72 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which is approximately $4203.86.AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:(1) VIOLATION OF FEDERAL BANKING REGULATION(2) COLLATERAL CHECK FRAUD(3) THEFT BY DECEPTIONIf Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:-· Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer· Attachment of Earnings base (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debtThe Factual Basis for the complaints is as follows:-You agreed to return the funds from the aforementioned income advancement as per contract.And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.At present, Cash Advance is seeking either of the following remedies:-All funds to be returned as per terms of initial contractDear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentionsIf you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us.Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or we would be proceeding legally against you.NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.Yours sincerelyCollections & Legal DepartmentI then received this email after I said I had not taken out a loanTalking about the creditor Advance Cash Services is the mother/parental company which owns & operates more than 350 payday loan websites such as CASH NET USA, CHECK & GO, ADVANCE CASH AMERICA, AMERI LOAN, PLAIN GREEN LOAN and many more. And you have used one of them to get this loan approved.We are talking about the loan amount of $400.00 that you took with the company Advance Cash (A Parental Pay Day Advance Company), they do have a signed copy of the contract which is signed under your E-mail address, also would like to mention your Computer’s IP address and your SSN was also traced when you were signing the contract with the company. The company has more than 14 types of technical evidence in order to prove that the money was successfully deposited into your checking account.If you are interested in order to settle this account then we are offering you the settlement amount of $750.00 that has to be paid by Today consider as paid off in full.Else you can work with the total outstanding balance of $1285.32 with payment arrangement of $257.00 Monthly or $110.00 BI-weekly starting from Today until paid off.Do revert ASAP.Best Wishes,Settlement Team.