Consumer complaint received 2021-10-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received this email From this address XXXX XXXX XXXX One Time Settlement Amount : {$930.00} CREDITOR - ACE Ace Loan XXXX XXXX. 



This Email is to notify you that You are going to be legally prosecuted in the Court House within a couple of days. For non-payment of your debt dues. Which will be criminal prosecution and because of it your SSN is put on hold by the US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with ACE Loan Services. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter.

Your line of credit is over 60 days past due for a loan of {$750.00} provided by one of subsidiary companies under ACE Loan group, and it is not too late to restore your good standing and make Credit better. 



The Legal Affidavit States that You monitored online Using Order To Solicited Funds From an Online Website Which is Own and Operated By XXXX XXXX XXXX ( ACE Loan group ). The Funds Were Successfully Transferred Into Your Bank, Utilising an interstate EFT ( That stands for Electronic Funds Transfer ) But at The Time Of repayment When the Clients Attempted To Extract The Funds Back there were 6 EFT 's Returned Constituting Worthless Electronic Check, So As of Now Rather Than Chasing You For Money They Have Simply Decided to write This money as a loss and deemed to be stolen As well as press charges against you in your state under your social security number.

Now this legal affidavit has been taken care by FDCPA Law Fair Debt Collection Practice Act Chapter ( 9 ) Section ( 19 ) This means just two things for you.

1 ) If you are on any state supervised probation on payroll, you will need to top contact the officer about this case and make them aware of this case. 

2 ) If You have any prior Conviction Including But Not Limited To Worthless Cheques, Grand Theft, or Money Laundering Please Make it a note that the attorney general of your state would handle this case as that of a habitual offender, as your state is a strictly zero-tolerance state.

And once you are found guilty in the courthouse then you have to bear the entire cost for this lawsuit {$4200.00} which is excluding the loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department through Email between XXXX to XXXX ( EST ). 


IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH EMAIL BETWEEN WORKING HOURS AND SETTLE THIS MATTER. 
As I am sure you are aware, if this matter goes to suit, all court costs, process server 's fees, sheriff 's fees, attorney fees were permitted, and other post-judgment costs will be added to the amount that you already own. 
You can avoid the unnecessary inconvenience and added expenses of a lawsuit by making immediate payment to us. 

Note : This notice is provided to you on behalf of ACE Ace Loan Online. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( Hereafter collectively referred to as the Cash Advance Related Companies, we, our, or us ). The Cash Advance Related Companies include, but are not limited to : Cash Advance, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, or any company-owned Mr . XXXX locations. You or you're means you as a participant in or as a user of the products and/or services offered by a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation