Consumer complaint received 08-08-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: LAST CHANCE TO SETTLE THE CASE CASE FILE # : ACS-XXXX LOAN INFORMATION PAST DUE AMOUNT - {$870.00} CREDITOR - ACE CASH EXPRESS. SETTLEMENT AMOUNT - {$390.00} Your case file # ACS-XXXX is handling by LEGAL DEPARTMENT OF ACE CASH EXPRESS and we are working with FTC, FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file ACSXXXX BEFORE WE DOWNLOAD YOUR CASE FILE # ACS-XXXX INTO THE COURT HOUSE. This is in reference to your Case File ACS-XXXX with ACE ( ACE CASH EXPRESS )  in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Centre ) has decided to mark this case as a flat refusal and press charges against you. Your account with ACE is in Final Collections. According to our records, your outstanding balance was {$870.00}. 
It may be possible that you may have some financial hardship with you. 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 out with this offer which is of SETTLEMENT AMOUNT -  {$390.00} Or, else we wo n't be able to help you out. Do revert back if you want to get rid of these legal consequences and want to make payments within next 48 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 provide us the date on which you can make the payment. 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 have to bear a lawsuit which will be a penalty of {$4500.00} and your bank account will be closed. it will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$870.00}. IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL. UNITED STATES ATTORNEY Copyright 2015 ACS | Privacy | Terms of use Ace Cash Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above The information and any attachments contained in this message is confidential and intended only for the named recipient 's use. If you have received this message from XXXX in error, you are prohibited from copying, distributing or using the information. Please contact the sender immediately by return email and delete the original message. Under Florida law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in writing.

Company response to consumer: Closed with explanation