Consumer complaint received 09/13/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: From : Attorney XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX EDT To : XXXX XXXXXXXXXXXX XXXX Subject : Final Notice FINAL AND LAST CHANCE TO SETTLE THE CASE # XXXX XXXX XXXX XXXX Case file # XXXX Settlement amount offered {$430.00} IF YOU FAILED TO UPDATE US THEN YOUR CASE FILE # XXXX WILL BE DOWNLOADED This is in reference to XXXX ( your Case File # XXXX ) with ACE ( ACE CASH SERVICES ) in order to notify you that after sending several emails and we were not able to get hold of your case file. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 
Once your case file forwarded by us ACE legal department, your account will be considered as not paid anything because you have never did any reply from a long time. After taking action against your name and SSN your case file will be forwarded to the courthouse. 
And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4000.00} which is excluding loan amount, attorney 's fees, and the interest charges. 
If you failed to update us then be ready for going into jail under FDCA for 3 Years, We will seize your all bank accounts and put on hold to your SSN ( XXXX ). 
If you are willing to settle the case for {$430.00} kindly revert us back within 48 hours to avoid legal consequences. 
NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS ( XXXX XXXX XXXX XXXX, Routing Number-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS, SO YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 
We are talking about the loan that you took with the company due to penalty charges, interest charges and attorney charges the amount rises up to {$1000.00}, and they do have a signed copy of the contract which is signed under your e-mail address XXXXXXXXXXXX and SSN also would like to mention your computer 's IP address was also traced. The company has more than XXXX technical evidences in order to prove the money was successfully deposited into your bank account. 
Talking about the creditor Ace Cash Services is the mother company which owns & operates more than XXXX parental payday loan websites XXXX, XXXX & XXXX XXXX etc. And you have used one of them to get this loan approved. 
NOTE : KINDLY LET US KNOW IF YOU ARE WILLING TO RESOLVE THIS CASE SO THAT WE CAN OFFER YOU THE SETTLE AMOUNT OF {$430.00} AND IF DO N'T THEN WE HAVE TO DOWNLOAD THIS CASE FORCEFULLY AGAINST YOU INTO THE COURT HOUSE.AND WE ALSO INFORMED TO YOUR EMPLOYER PLACE WHERE YOU WORKED BEFORE. 
So, we are just giving you a last chance that if you just make a payment by today then we will close this account as paid in full with XXXX balance. 
We do hope that you will work with one of the best option in order to settle this matter or else we wo n't be able to hold your case file # XXXX. 
Do revert back if you want to get rid of these legal consequences and want to make payments within the next few hours or else the case will be downloaded against you. 
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 avoid this by taking care of this now. 
It is quick and easy : Do reply us right now and we will provide you the mode of payment to clear this debt. 
If you do not take immediate action we will be forced to download this case against you and once it is downloaded, the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you will have to bear a law suit which will be amounting to {$4000.00} and will be totally levied upon you and that would be XXXX

Company response to consumer: Closed with explanation