Consumer complaint received 2020-08-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I would like Ace Cash Express to give me a chance...I did take a loan out with Ace Cash Express in the form of an online installment loan in the month of XX/XX/XXXX...On XX/XX/2020I made a payment of XXXXThen I got behind in loan payments...I received no written correspondence from Ace Cash Express then today XX/XX/XXXX I received the details I am sending you now two phone calls that upset me greatly....I am having financial difficulties and I have also been very ill...My own mother contracted the XXXX XXXX and thank goodness is better and she is XXXX  years old...I myself have been very ill for a number of reasons...I am already a person with a serious XXXX  and I do work part time to supplement my XXXX income...Ace Cash Express showed me no mercy no care no consideration and did not give me a chance...I received no written correspondence then today I received the nasty phone calls that I share in detail in this message...I ask that you read this message in it's entirety and I ask Ace Cash Express to cease and desist predatory collection practices that only add to my stress levels...I ask that Ace Cash Express apologize to me in writing for attempting to use fear mongering through so called locator services and bullying tactics used by both XXXX XXXX XXXX and a claims office that refuses to provide me their physical address for correspondence...My voice was systemically and categorically silenced by Ace Cash Cash Express who refused me my basic right to get on a payment plan.  The records show that as of today XX/XX/XXXX that Ace Cash Expressed refused to accept my bank card details with my offer of a very small payment of XXXX dollars until next month to show that I am not a fraud...XXXX XXXX XXXX  also refused those details as did the claims company...I am refusing to accept any papers from a claims company I know nothing about a claims company that refuses to provide me with due process such as their physical address for correspondence....The records show that this claims company refused me those details...I ask Ace Cash Express to cease and desist predatory collection practices by selling my loan off to bullies who use threatening speech and intimidation tactics to force money out of me that I do not have...The stoop so low as to falsely accuse me of breach of contract and fraud...The records show that Ace Cash Express has systemically and categorically refused to work with me time and time again...Kindly read the detailed report below that I also sent to the Attorney General's office here in Texas...


On XX/XX/XXXX  I took out an Ace Cash Express Online Installment Loan...In the amount of XXXX...On XX/XX/XXXX I made a payment of XXXX...I did get behind in payments...I received a phone call today from XXXX a woman stated she was a locator paid to serve me claim papers...She told me to call this number XXXX which I was told is a claims office I spoke to XXXX XXXX who refused to provide me an address for this Claims Office...I never received any written correspondence prior to these phone calls today...

Ace Cash Express  at Corporate told me they sold my loan to XXXX XXXX XXXX  that my account is restricted and Ace Cash Express refused to accept my modest payment...Until I can get on a better payment plan...I was given the phone number for XXXX XXXX XXXX at XXXX who refused to accept my bank card details and small payment to show I am not a fraud...I was then told to contact this claims office where I spoke to a XXXX XXXX who refused to provide me their Claims Office address...That phone number where I spoke to XXXX XXXX is XXXX the claim number I was given is: XXXX XXXX XXXX XXXX refused to look up my loan under the loan number I was instructed to provide them by Ace Cash Express which is:  XXXX...I would like to report this as Fraud on the Part of  Ace Cash Express for not following the proper procedures to act in a reasonable manner to afford me a chance to repay this loan on a payment plan...Bullying tactics were used and threatening speech was used by both XXXX XXXX XXXX and XXXX XXXX at the Claims Office which I have no idea if it even exists...

More details Today Monday XX/XX/XXXX after XXXX XXXX in the afternoon...I contacted Ace Cash Express on their corporate phone number which is XXXX to inquire as to why the phone number that Ace Cash Express provides on my credit bureau report is not a working phone number...You see the loan I took out with Ace Cash Express is an existing loan that I do indeed owe to Ace Cash Express...I asked Ace Cash Express to kindly provide me with a copy of any and all correspondence they sent my way since I took out my loan with them...Ace Cash Express refused me this request and stated that "they do not take adversarial action against borrowers"...Ace Cash Express proceeded to transfer me to their Agency department where I spoke to a woman named XXXX  who confirmed that Ace Cash Express has my current and up to date physical address but not my XXXX XXXX XXXX Mailing Address...I offered to update my current mailing address and Ace Cash Express refused to update my address...XXXX confirmed that Ace Cash Express sold my loan to XXXX XXXX XXXX...XXXX  told me she is aware that XXXX XXXX XXXX is known for using tactics such as having a so called locator service person call the borrower acting like they are trying to find the borrower and then having the borrower call a so called claims office that in reality does not exist...XXXX  confirmed this...I said XXXX  since Ace Cash Express is aware of these underhanded intimidation tactics used by XXXX XXXX XXXX  why in hell would you retain companies like these...XXXX  stated she did not care...I just spoke to XXXX XXXX  who is the manager for Ace Cash Express and who handles OCCC complaints like these...XXXX XXXX told me the original loan amount that I took out with Ace Cash Express on XX/XX/XXXXwas for $XXXX that due to their very high fees the actual loan amount that I would have to repay was more than double $XXXX...I made a payment of $XXXX which means that I would owe Ace Cash Express a total of $XXXX in the original amount owed plus the high fees and interest rates...XXXX XXXX states that Ace Cash Express sold my loan to XXXX XXXX XXXX in an attempt to collect from me the borrower a total of $XXXX...XXXX XXXX stated that she XXXX XXXX XXXX is a law firm and that she will ask XXXX XXXX XXXX to cease and desist collection activities with me and to cease and desist using these intimidation tactics to get me to repay this exorbitant loan amount..XXXX XXXX  told me that Ace Cash Express does not allow XXXX XXXX to pursue legal action against their borrowers...I told XXXX XXXX   that is exactly what XXXX XXXX  did to me was threaten me with legal action with a so called claim and claim number which I provided in my previous details...I asked XXXX XXXX  would she be willing to put in writing what she told me she refused...I stated that I would like a written apology from XXXX XXXX XXXX for these underhanded profane tactics over a five hundred dollar loan with exorbitant greedy fees and interest rates attached a small loan that I already paid almost half of in the amount of $XXXX...I said this is vile and pure evil disgusting and an example of greed found here in America called American Greed...I said this matter should be investigated for all borrowers not just borrowers like myself who find themselves in need of a small loan only to face criminal intimidation tactics and psychological warfare found in the abuse of legal terms and legal language so as to instill fear in me...Also known as fear mongering...All those tactics do is serve to incite in borrowers like me angry responses...I would like to seek compensation from XXXX XXXX XXXX  for time lost from my part time job...I was so upset by Friday's phone calls that I could not work on Friday after those calls were made and while I did work on Saturday...On Sunday I was so exhausted and traumatized by those phone calls that I had to rest all day Sunday...I would like to seek compensation for the psychological pain and suffering caused me from this grueling horrible experience...Ace Cash Express told me the only letter they sent me was back in XXXX stating they sold my loan to XXXX XXXX XXXX  a letter I never got...I was sure to provide XXXX XXXX at Ace Cash Express my current mailing address and she confirmed for me that she does have my current physical address...This kind of abuse of borrowers has to be stopped this is disgusting...America's corporate greed is way out of control and the fallout is massive...People's lives are destroyed wholesale and if I were an elderly lady I could have dropped dead from a XXXX XXXX or if I was seriously XXXX become XXXX  as what was done in my case could have triggered a trauma based response in me so as to cause my XXXX XXXX to be compromised which could have set me up to become XXXX...I want all borrowers to be looked into who borrowed from Ace Cash Express who got behind like I did to see how they are doing and did any die from a XXXX XXXX or from XXXX...This is very serious...My XXXX XXXX has suffered as a direct result of what Ace Cash Express put borrowers like me through via vile collection law firms such as XXXX XXXX XXXX...

Respectfully Submitted,

By Ms. XXXX XXXX XXXX

Company response to consumer: Closed with explanation