Consumer complaint received 2020-12-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

This is the second time that I have reported this from XXXX XXXX XXXX XXXX. The first time I reported it, it was tracked in two separate cases : XXXX - ACE ( original creditor ) responded and agrees it does not match their records and they believe this was a scam XXXX - sent to FTC because company could not be reached I received the same email from a different email address, but it was the same communcation with the same incorrect personal information and threatens legal action. 

From : XXXX XXXX XXXX XXXX XXXX Sent : XXXX XX/XX/XXXX XXXX XXXX  To : XXXX Subject : [ External ] Department of Law & Enforcement Legal Notice : Reference Case Id LF - XXXX ( Case Filed ) This message was sent from a non-IU address. Please exercise caution when clicking links or opening attachments from external sources. 

XXXX XXXX ( SSN # XXXX ), ( Lawsuit declared and case forwarded to the courthouse against Mr. /Ms. XXXX XXXX on XX/XX/XXXX ) This email is in reference to notify you that Mr/Ms. XXXX XXXX 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 mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX within the next seven business days once we file lawsuit against you as the person has failed to pay off this account as per the agreement. 

Note : Defaulter was offered several chances to take care of this debt but Mr. /Ms. XXXX XXXX committed false commitments with the company during resolution procedure and attempted fraud continuously ; therefore we have decided to finally present this case for lawsuit into the courthouse by today 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 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 : XXXX Last Name : XXXX Phone : XXXX D.O.B : XX/XX/XXXX Drivers License : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : XXXX - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Lawsuit Filed On : XX/XX/XXXX Charges against Mr. /Ms. XXXX XXXX FDCPA ACT - 811 ( 15 USC1692I ) 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 United States Courthouse ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States ) on the courthouse date which will be delivered to you within seven business days as we have already filed lawsuit against you into the courthouse on XX/XX/XXXX. 

COURT HOUSE : United States Courthouse ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States ) Your courthouse reference case number is # XXXX which is under the hand of court house attorney Mr. XXXX XXXX. 
This case was filed under fraudulent section ( C ) chapter 19 into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of court house. 
Important Note : Mr. /Ms. XXXX XXXX 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 court house date which will be delivered to you through the courthouse within the next 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 courthouse as stated this has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due of {$1000.00} along with the lawsuit {$11000.00} and applicable attorney fees. 
This is the last warning before taking further actions on the judgment against you. Failure to this notice will require us to utilize one of the enforcement as mentioned above options against you. No further notice will be given before further enforcement actions on this judgment. 
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. 


Copyright XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use ( This is a written communication electronic acknowledgement from XXXX XXXX XXXX XXXX and is solely intended for only Mr. /Ms. XXXX XXXX ( SSN # ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. secs. 2510-2521, and is legally privileged and confidential. If the reader of this message is not the intended recipient, the reader is hereby notified that any unauthorized review, dissemination, distribution, or copying of this message is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.