Consumer complaint received 2021-03-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Received this threatening email. 

From : XXXX  XXXX XXXX XXXX XXXX { US } XXXX Date : XX/XX/XXXX at XXXX XXXX  EDT To : XXXX Subject : Arrest Warrant Under 18 USC Sections 1956-57 : Lawsuit Case File No LF - XXXX ( Immediate Action Required ) ( Lawsuit Presented in the courthouse against Mr/Ms. on XX/XX/XXXX ) This email is in reference to notify you that has been blacklisted ; defaulter 's social security number and banking accounts are under investigation through major credit bureau XXXX. Defaulter would be receiving the court papers at with the next seven business days once we file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference. 

Note : Defaulter was offered several chances to take care of this debt but committed false commitments with the company during resolution procedure and attempted fraud continuously, there we have decided to finally present this case for lawsuit into the courthouse on XX/XX/XXXX. One copy of this lawsuit will be forwarded to the major credit bureaus in order to seize all mortgage and banking assets in order to collect the total outstanding balance of {$1000.00} and lawsuit charges along with courthouse and attorney fees as mentioned below : Filed Lawsuit Charges Summary : Total Outstanding Balance : {$1000.00} Courthouse and Attorney Fees : {$790.00} Lawsuit Amount : {$11000.00} Major Credit Bureaus File Processing Fees : {$420.00} Legal Stamp Charges : {$290.00} Agreement Breached Charges : {$150.00} Financial Institution & Bad Debt Banking Charges : {$110.00} Defaulters Record : First Name : Last Name : SSN : # Employer Phone : Address : Phone Number : Drivers License : Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : LF - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Legal Notice Issued On : XX/XX/XXXX Charges against Mr/Ms. 

FDCPA ACT - 18 USC Sections 1956-57 Case Type - Fraudulent Act ( FC/SC ) Lawsuit Under Consumer Fraudulent Activity Immediate Effect Seizure of all Banking Accounts & SSN According to our records you have not settled a debt with us, you have 24 hours from the date of this letter to submit payment and/or evidence that your debt is paid in full, otherwise the civil division will automatically refer your debt to the department of the treasury for collection of amount ( {$3100.00} ), to a credit service bureau and possible to the Internal Revenue Service ( IRS  ) for tax refunds offset. A fee of up to 28 percent of the debt may be added to the outstanding balance in addition. There may be interest on the unpaid balance that will be assessed yearly. The interest rate is determined by the U.S DEPARTMENT OF TREASURY ( U.S TREASURY ). Interest and penalty charges may continue to accrue until your debt is paid in full. You may enter into an acceptable written payment agreement, refer to the enclosed for details.

Once your debt is submitted to the IRS, the U.S treasury will reduce or withhold any of your eligible federal payments by the amount of your debt. The process known as offset, is authorized by the debt collection ACT of 1982 and the debt collection improvement ACT of 1966. U.S treasury is not required to send you notice before your payment is offset. Federal payment eligible for offset include your income tax refunds : your salary pay, including military pay ; your federal retirement including military pay ; your contractor/vendor payments ; certain federal benefit payment ; including certain loans to you, that are not exempt from offset.

If you make or provide any knowingly false or frivolous statement, representations or evidence, you may be liable for penalties under the false claims ACT ( 31 U.S.C. paragraph 3729-3731 ) or other application statutes, and/or criminal penalties under 18 U.S.C. paragraph 286, 287, 1001 and 1002 or other applicable statutes.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 


NOTE : Kindly present all of your documents into US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on XX/XX/XXXX. 

XXXX HOUSE : US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) Your courthouse reference case number is which is under the hand of courthouse attorney Mr. XXXX XXXX. 

This case was filed under fraudulent section ( C ) chapter XXXX into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the court house. 

Important Note : is no longer eligible to apply for any credit or loan through any lender in the United States. 

Kindly make sure to have all necessary documents into the courthouse on the courthouse date which will be delivered to you through the courthouse within two to seven business days. 

Kindly email us immediately if you still want to hold this account by paying off your settlement amount of {$290.00} on XX/XX/XXXX else be presented into the court house as stated this case has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with lawsuit {$11000.00} and applicable attorney fees. 

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through email for immediate assistance or call us at XXXX XXXX XXXX XXXX to resolve this matter quickly. 


( This is a written communication electronic acknowledgement from XXXX XXXX XXXX XXXX XXXX { US } and is solely intended for only Mr. /Ms XXXX XXXX XXXX XXXX XXXX { US } XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX Phone : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.

Company response to consumer: Closed with explanation