Consumer complaint received 2017-07-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GU
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XXXX 
XXXX XXXX (18 hours ago)

to CollectionsTeam, acepresident, ACE, XXXX 
Dear Sirs,

I cannot have my email be flooded by fraudulent collection claims and I cannot be charged for banking fraud nor whatsoever accused and harassed for in your emails as unpaid.

For the attention of Ace President and Collections Team, I have forwarded you my last loan with ACE Cash Express and I need for you all to clear my name from the fraudulent emails that continue to flood my emails for bills that have been cleared and cannot be charged over and over from XX/XX/XXXX.

BEST REGARDS,

XXXX

---------- Forwarded message ----------
From: ACE Cash Express 
Date: Mon, XX/XX/XXXX at XX/XX/XXXX
Subject: Thank you for paying off your loan
To: XXXX



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        Payday Loans      Prepaid Debit Cards      Title Loans       Auto Insurance       Store Services      Store Locator

Dear XXXX, 

Thank you for your payment. Your short-term loan #XXXX is paid in full. 

We hope you've had a good experience with ACE Cash Express. If you have questions or concerns, please call us at (XXXX)XXXX during our business hours. We're here to help. 

Thank you again for your business and we hope you will continue to be an ACE customer in the future. You can always find us at www.acecashexpress.com. 

Sincerely, 

ACE Cash Express, Inc.
(XXXX)XXXX
(XXXX)XXXX (fax)
Monday-Friday: XXXX XXXX to XXXX XXXX CT 

Your loan details: 

Licensee:	ACE Cash Express, Inc.
XXXX
ACE Cash Express XXXX
(XXXX)XXXX
Date of Transaction:	XX/XX/XXXX
Loan Number:	XXXX
Transaction Type:	Cash Advance
Amount Paid:	$XXXX
Principal:	$XXXX
Fees/Interest:	$XXXX 
This email was sent to: XXXX

To unsubscribe from our mailing list, please update your profile. Your email address will be removed from our mailing list within 3-5 business days, OR send postal mail to: ACE Cash Express, Inc. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Copyright ACE Cash Express XX/XX/XXXX. All rights reserved.

XXXX XXXX 
XXXX XXXX (1 hour ago)

to XXXX  
Dear Attorney XXXX XXXX,

Again, I will not pay for any loans that are misleading and that I never receive and here are my communications with XXXX  since XX/XX/XXXX which I manage to know and honestly believe that I DID NOT RECEIVE THERE ACH TRANSFER TO MY ACCOUNT...the error is on the company not my error and I have given you proof that my loan was paid of from XX/XX/XXXX and nothing more.

BEST REGARDS,

XXXX XXXX

---------- Forwarded message ----------
From: XXXX XXXX XXXX 
Date: Wed, XX/XX/XXXX at XXXX XXXX
Subject: Account Number XXXX Subject - Lawsuit (Urgent Attention)
To: 


CASE FILE : XXXX

LOAN INFORMATION               

DUE AMOUNT- $XXXX

LOAN COMPANY- XXXX

This is to inform you, that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Federal Government, so before the case is filed 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 Payday Services. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.

UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:

(1) VIOLATION OF FEDERAL BANKING REGULATION

(2) COLLATERAL CHECK FRAUD

(3) THEFT BY DECEPTION

(4) ELECTRONIC FUND TRANSFER FRAUD.

Now this means few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.

If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.

WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 

And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $XXXX, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have/ can't afford one then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through Email between XXXX XXXX to XXXX XXXX (EST).

IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH EMAIL BETWEEN WORKING HOURS.

UNITED STATES DISTRICT ATTORNEY

Copyright (c) XX/XX/XXXX XXXX | Privacy | Terms of use


-- 
Regards

XXXX XXXX XXXX Investigation Officer (Department-Law and Enforcement), XXXX





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Company response to consumer: Closed with explanation