Consumer complaint received 2017-04-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
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:
Below is the actual email they sent, in previous emails they show my social security number and my bank information in the email, I am sending this complaint because now they have included XXXX XXXX XXXX as a threat.

Fw: XXXX XXXX XXXX
From: XXXX XXXX 
Sent: Tuesday, XXXX XXXX 2017 XXXX XXXX
To: XXXX
Subject: XXXX XXXX XXXX 


CREDITOR :XXXX XXXX XXXX 
CASE NO: XXXX 
Dear XXXX XXXX,

Total Due Balance:XXXX

Todays Settlement amount is XXXX

This Legal Proceedings issued on your Docket NumberXXXXwith one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer:
We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next2 HOUR we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.

Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
You can Email back to get the payment mode too.
Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO SETTLE YOUR CASE CONTACT TO SETTLEMENT DEPARTMENT:mailto:XXXX ****below is another email****

Attorney XXXX 
 

Settlement notice 
X/XX/2017

NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN:-XXXX ROUTING NUMBER:-XXXX CASE NUMBER- XXXX PENDING AMOUNT: XXXX SETTLEMENT AMOUNT:XXXX  Defendant XXXX XXXX We are hereby informing you that my client ACS CASH SERVICE 




Settlement notice AG Attorney XXXX  

Fri XXXX, XXXX XXXX


Attachments, pictures, and links in this message have been blocked because the sender isn't in your Safe Senders list. I trust content from XXXX. 

This message was sent with high importance. 

NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN:-XXXX ROUTING NUMBER:-XXXX
CASE NUMBER- XXXX 
PENDING AMOUNT: XXXX SETTLEMENT AMOUNT:XXXX
Defendant XXXX XXXX 
We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case.
Be notified that documents are being prepared for the issue of summons regarding the above debt.
JUDGEMENT in this matter may lead to:
          (a) Additional legal Costs being charged.
          (b) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit.
FAILURE to make payment after judgment of Court lead to:
          (a) Seizure of assets by a Court
          (b) Attendance in Court for an Oral Examination regarding assets, liabilities,
              Income and outgoings
          (c)  A Garnishee order attached to your bank accounts.
          (d) Bankruptcy or liquidation
If you are willing to resolve this case then we can provide you a onetime settlement offer of XXXX that has to be paid by Today as paid in full with XXXX balance.
Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment.
You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is XXXX in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious.
If we havent received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay XXXX in front of the judiciary and then the settlement amount XXXX will not be acceptable.
NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH (XXXX XXXX XXXX) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
Sincerely,
Law & Investigation Department 
ACS CASH SERVICES

Company response to consumer: Closed with explanation