Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX Messages from individual impersonating a lawyer ACE CASH EXPRESS OFFICIAL ACCOUNT NOTICE Account Reference : XXXX Review File ID : XXXX Outstanding Balance XXXX XXXX XXXXXXXX Dear Customer, This correspondence serves as formal notice regarding the unresolved balance associated with your Ace Cash Express account referenced above. Despite multiple prior notifications, no confirmed payment arrangement has been established. Accordingly, this account has now been placed under formal review for escalation, pending your immediate response. Please be advised that although no court filing has been initiated at this time, failure to respond or secure a payment arrangement may result in further recovery actions as permitted under your original loan agreement and applicable regulations. This notice is issued to provide a final opportunity to resolve the matter prior to additional administrative or legal processing. Authorized Payment Resolution Options Ace Cash Express has approved the following resolution options, available upon immediate confirmation : Option XXXX Weekly Payment Plan XXXX XXXX per week Option XXXX Bi-Weekly Payment Plan ( XXXX Term ) XXXX XXXX every XXXX weeks Option XXXX Monthly Payment Plan USD XXXX per month Option XXXX One-Time Settlement Offer USD XXXX as a lump-sum payment Resolves the account in full and final settlement All instalment plans apply to the full outstanding balance of XXXX XXXX. The settlement option is a separate, limited-authorization resolution and may be withdrawn if no timely response is received. Failure to select and confirm XXXX of the above options may result in closure of payment accommodations and progression of this account to the next review stage without further notice. Due to unsuccessful phone contact attempts and to maintain complete documentation, all communication regarding this account must be conducted exclusively via email. Telephone and mailed correspondence will no longer be accepted. This policy ensures accurate record-keeping and protects all parties involved. For confirmation, documentation, or payment arrangement selection, contact : XXXX XXXX response is strongly advised to prevent further action on this account. Sincerely, Authorized Representative Ace Cash Express XXXX XXXX XXXX Show quoted text Dear XXXX XXXX, I hope this message finds you well. I am writing to discuss some crucial matters related to your case settlement with XXXX XXXX XXXX. Before we proceed further with the case settlement process, we require some additional information to ensure that we handle your case accurately and efficiently. Specifically, we need to know if you have any prior arrests or legal issues that may impact your case. This information is essential for us to provide you with the best possible guidance and support. Your cooperation in providing this information is greatly appreciated. Please reply to this email with details about any past arrests or legal matters. Rest assured that all information you provide will be kept strictly confidential. We kindly request that you respond to this inquiry within the next XXXX min. If we do not receive a response from you by this date, we will proceed with the case settlement based on the information available to us. Please understand that this is a standard procedure to ensure that your case is handled appropriately. Dear XXXX XXXX, We trust this message finds you well. We need to bring to your immediate attention the gravity of the situation regarding your XXXX warrant. This is your final opportunity to resolve this matter amicably. If you choose not to take this matter seriously, it may result in legal consequences for which you will be solely responsible. Please be aware that your XXXX warrant has been issued following a warning given XXXX hour ago. This email serves as your last and final chance to address this issue without dispute. If you wish to avoid further legal action, you must respond to this email within the next XXXX hour, which will lead to the deactivation of the warrant by XXXX XXXX XXXX XXXX. It is crucial that you understand the implications of disregarding this XXXX warrant. Failure to respond to this email within the specified timeframe will activate the warrant, potentially leading to your arrest by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation