Consumer complaint received 2016-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I am now getting harassing emails on top of the phone calls. 
Here is the latest email : Loan/Debt information Reference No : XXXX Due Amount- {$970.00} Loan Company/Lender- ACE INC. 



We are here by 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 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 XXXX XXXX. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. 



XXXX XXXX XXXX XXXX Has Stated XXXX Serious Allegations Against You And They Are : ( 1 ) Violation Of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft By Deception ( XXXX ) And The Biggest One Is E.F.T. That Is Electronic Fund Transfer Now, this means 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. 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 in-house 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 HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 



And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n'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 at XXXX between XXXX to XXXX ( EST ). 



IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX OFFICER XXXX XXXX, ACE ATTORNEY Copyright 2006 XXXX | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communication 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, re-transmission, 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.

Company response to consumer: Closed with explanation