Consumer complaint received 2022-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
I received this email at XXXX XXXX  Tues night XXXX Important Note : This is an automated system generated notice based on customers records. 



This Legal Proceedings is issued on your Docket no : # XXXX with one of ACE CASH EXPRESS Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of ACE CASH EXPRESS has decided to mark this case as a flat refusal and press legal charges against you. 

CASE NO : # XXXX CUSTOMER ID : XXXX TOTAL OUTSTANDING : {$840.00} We have sent you this warning notification about legal proceedings in XX/XX/2021 but you failed to respond on time. Now its high time if you failed to respond in the next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/Faxing this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished. 



So, we are just giving you a last chance that if you just make a payment by today or tomorrow then we will close this account as paid in full with zero balance. 

We do hope that you will work out with this offer which is of : SETTLEMENT AMOUNT- {$270.00} Do revert back if you want to get rid of these legal consequences and make a payment arrangement by today or else we would be proceeding legally against you. 

We apologize that this notification will be sent to your current employer. The opportunity to take care of this voluntarily 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 Email back to get the payment mode too. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$6300.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

Note : This notice is provided to you on behalf of ACE CASH EXPRESS and its parent company, and their respective family of companies including ACE CASH EXPRESS, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( hereafter collectively referred to as the ACE CASH EXPRESS Related Companies, we, our, or us ). The ACE CASH EXPRESS Related Companies include, but are not limited to : ACE CASH EXPRESS, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names ACE CASH EXPRESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX locations. You or Your means you as a participant in or as a user of the products and/or services offered by a ACE CASH EXPRESS Related Company . 

WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 

IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY THIS EMAIL DURING WORKING HOURS BETWEEN XXXX XXXX  TO XXXX XXXX  ( EST ) FROM MONDAY TO SATURDAY AND YOU WILL BE ANSWERED SHORTLY. 

TERMS & CONDITIONS YOU AGREED You are receiving this legal notice as you have agreed to our terms and conditions of the Consent and you can download or print a copy of this Consent for your records. 



Best Wishes, Ace Incorporation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Company response to consumer: Closed with explanation