Consumer complaint received 2021-06-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received the following email! 
FINAL NOTICE FOR LEGAL ACTION ( Fair Debt Collection Act-811 [ 15 USC 1692i ] ) Loan Company XXXX XXXX XXXX. 
Legal Charges -Section 19 ( A ), Clause 21 ( US ) DUE AMOUNT : {$980.00} We have sent you this warning notification about proceeding on XX/XX/XXXX, but you failed to respond on time now it's high time if you failed to respond in the next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means a few things for you. If you are under any state probation or payroll we 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 in your name.

Through IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income pay-checks will be put on hold. 

Our primary job was to notify you about the case before we send you a legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you the last chance to resolve this case out of court. 

If you want to take care of this out of court then contact us with payment within 48 hours and we will release the Clearance Certificate from the court.

Our intention is not to threaten you, it is only an effort from our-side to settle this case outside the court. 

IF YOU WANT TO RESOLVE THIS MATTER ; DO REVERT US ASAP. 





ACE XXXX XXXX LEGAL GROUP OF ATTORNEYS Copyright XXXX ACE | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

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Company response to consumer: Closed with explanation