Consumer complaint received 2020-07-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just keep getting emails from someone saying that they work for ace check cashing collection. I can not get them to email me back with a phone number for me to call. tryed several times to get them to communicate with me they will not even email me back. here is a copy of the last email i got from them XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  ( 1 day ago ) to me Be careful with this message XXXX XXXX has never sent you messages using this email address. Avoid replying to this email unless you reach out to the sender by other means to ensure that this email address is legitimate. 

Report phishingLooks safe Dear : XXXX XXXX S.S.N : XXXX This is to notify you that XXXX XXXX is currently in default under its obligations to ACE cash Financial Group Inc. in the amount of {$1000.00}. 



I have E-mailed you a legal debt Settlement copy regarding this case file on your name and on your social security number so before your case file gets downloaded inside the courthouse company has given you a last and final chance to take care of this matter outside the courthouse but if it lends inside the courthouse you would lend up in a legal mess and when we checked your status on XXXX XXXX database we found you a genuine person and you don't have any criminal issues in your background so that's the only reason we are trying to help you out. They are also added extra fees to the amount that is owed. I can be contacted back at XXXX ACE cash Financial Group Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, NY. XXXX XXXX, WA. XXXX ( HEAD OFFICE ) ( ACCOUNT OFFICE ) INVOICE NO : XXXX INVOICE To : XXXX XXXX S.S.N : XXXX CASE NUMBER LOAN ACCOUNT WITH PRINCIPAL AMT PENALTY & INTEREST AMT. 

RESOLVEMENT AMT XXXX XXXX XXXX XXXX {$400.00} {$690.00} {$1000.00} ONE TIME FULL PAYMENT RESOLVEMENT AMOUNT {$750.00} UNPAID PAYMENT IN 3rd INSTALLMENT EACH OF {$360.00} {$1000.00} TOTAL AMT. LEFT OUT {$1000.00} TOTAL {$1000.00} INVOICE REGARDING OUTSTANDING DEBT TOWARDS ABOVE MENTIONED COMPANY. 





ACE cash Financial Group Inc.

MANAGER. 

XXXX XXXX PS : If you have any question regarding this account, you can always call us back for further queries.

Page 1.

ACE cash Financial Group Inc. 



XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX, XXXX ( HEAD OFFICE ) ( ACCOUNT OFFICE ) CASE FILE NO : # XXXX To, XXXX XXXX, Magistrates Court summons If your payments are not kept up to date following the issue of payment reminders, a Magistrate 's Court summons will be issued for the full amount outstanding and you will lose the right to pay by installments. The issuing of a summons will incur costs of {$55.00} which will be added to your bill. To prevent the issue of a summons, it is important that your reply on our email address XXXX Attending Court If you do not pay the full amount, including costs, shown on the summons before the Court hearing date the matter will be taken to the Magistrates ' Court. You do not need to attend Court unless you dispute liability for the outstanding amount. 

At the hearing we will apply for a Liability Order, incurring additional costs of {$35.00}. The Liability Order enables us to recover the debt in a variety of ways. 

After the hearing, you will be sent a copy of the Liability Order together with a form asking about your financial circumstances. After considering the information provided, the recovery section will be able to make a final installments arrangement with you. You must keep to any arrangement granted otherwise further recovery action will be taken for the full amount outstanding amount, incurring additional costs. 

Page 2.

Check all the file there is every information.

1 ) We will accept 3 Installments of {$360.00} payments every other weekly.

2 ) 2 Installments of {$510.00} payments every other weekly.

3 ) Settlement one-time full payment : {$750.00} Before Friday to close your case file.

I just want your final intention on this case file that do you want to put hold on this case file or should I process it inside the courthouse?

If you have any questions or wish to discuss this matter, please Email the undersigned immediately.

Thank you for your prompt attention to this matter. 





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Company response to consumer: Closed with explanation