| 04/17/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
Personal/Loans Open/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXXXXXX XXXX to XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly.
Respectfully Submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX!!!
On Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ).
FINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY XXXX XXXX XXXX Failure to attend may result in a warrant being issued for your arrest.
SUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.
A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.
Three allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response.
We would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System.
I would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.
Which carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXXLegal costs and interest may be added to the debt.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.
By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
Thank you for your prompt attention to this matter.
NOTE : Please send all communication electronically to this email asap.
Office of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXXE XXXX XX/XX/2018 , XXXX PM to me XXXX XXXX, XXXX Total Outstanding Balance ( Due Amount ) : {$1300.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) The Payment Method accepted by our company in settlements is XXXX XXXX XXXX XXXX XXXX XXXX .
One Time Settlement Offer : 1 : {$750.00} ( if paid Today ).
2 : {$1000.00} ( If Paid Within Week ) Since this loan account is very past due so we would appreciate if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action.
For any queries or concern, you can contact us.
XXXX XXXX XXXX XXXX XX/XX/2018 , XXXX XXXX to me Please contact us on this same email as this is the Email Recovery Department of Advance Cash Express .
Do update us with your intention that you want to resolve this case or you want to dispute XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do update us with your intention that you want to resolve this case or you want to dispute.
XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ace.debt.payday Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options ....
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!
On Fri, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXXE XXXX wrote : Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX.
And a full & final payment receipt will be provided to you as per your records.
Therefore, do update us ASAP so that we can work well on your file.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We are waiting for your response.
XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ...
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me ou are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
Failure to attend may result in a warrant being issued for your arrest.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter.
XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ACE Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You!
On XX/XX/2018 XXXX XXXX, " XXXX XXXX XXXX '' XXXX wrote : We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours.
A Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.
Get back to us ASAP to discuss about it, We will be happy to assist you further.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you.
Do revert us back ASAP.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you.
Do revert us back ASAP.
XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to ACE Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ...
Thank You!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX!!!
On Wed, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you.
Do revert us back ASAP.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me The only mode of payment we are allowed to accept below {$500.00} is thru XXXX XXXX XXXX Apple, and you do not have to give out any of your personal information to anyone.
All you have to do is get a XXXX XXXX XXXXXXXX by XXXX with value of {$100.00} on it from any of the stores mentioned below, scratch on the bottom on the back side of the card, and provide us code.
XXXX Gift Card by XXXX is available at these stores : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : We also need copy of payment receipt as well as copy of back side of the card in order to process your payment.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you.
Do revert us back ASAP.
XXXX XXXX XXXXT XXXX XX/XX/2018, XXXX XXXX to me Let us know are you willing to resolve this case outside of the XXXX house or not so that we can proceed further and update your case file.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible.
We still trust court actions will not be necessary and look forward to receiving payment by return.
XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me If you trying to run away, we will forward you case file to our legal department where our attorney will handle your case file and may be you have to face legal consequences.
The amount still running on your name is {$1300.00} and you have to pay it by the end of day today otherwise you will catch by your local cops ASAP.
Let us know about your final intention whether you are going to deposit your payment or else you are going to fight against us.
Get back to us ASAP with your clear intention, We will be more happy to assist you further.
Regards XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to me Dear Customer, Invoice Amount : {$1400.00} Date : XX/XX/2018 As you are aware the above invoice remains unpaid by you. Despite numerous reminder emails and telephone calls requesting payment of this account, the debt remains owing.
Accordingly we advise that if payment in the sum of {$1400.00} ( XXXX XXXX XXXX ONLY ) is not received by this office within THREE days of the date of this letter, we will instruct our solicitor to issue proceedings against you, to recover the unpaid debt together with our legal costs.
Best Regards, XXXX XXXX ( Case Manager ) XXXX XXXX XXXX XX/XX/2018, XXXX XXXX to XXXX XXXX XXXX, This is XXXX XXXX, and I wanted to see if you could check these emails out for me to see if this is fraudulent activity. I think I remember having a loan with them a while back, but the way of their approach in these emails is very negative and I wanted to make sure this was a legitimate payment request. If not I would like to see about starting another debt consolidation and clear this up the proper way ... All emails are in this thread for you to look over ...
Thanks Again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!
Forwarded Conversation Subject : Re : United States Court of Appeals ; Case File # XXXX ; YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
-- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX Greetings to whom it may concern, I am officially emailing you back with a reply for the OOCR program/settlement. Email is the best way to reach me and have a receipted correspondence of the upcoming steps for gradually clearing this old debt. Thank You in advance and look forward to hearing from you shortly.
Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!
On Thu, XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Reason of this notification : Against you filed Concealment Lawsuit ( Terminology *Concealment Lawsuit* in law book means any Creditor/Company/Law Firm/Business can file case against you without revealing identity to convict/ ( YOU ).
FINAL NOTICE FOR DEBT SETTLEMENT CASE FILE NUMBER XXXX DUE AMOUNT : {$1300.00} LOAN COMPANY Advance Cash Express Failure to attend may result in a warrant being issued for your arrest.
SUBMITTED XX/XX/2018 FOR LOAN RECOVERY You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.
A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.
Three allegations are been charged as under : 1 ) Under Section 19 U.S.C 7859 Violation Of Federal Banking Regulation 2 ) Under Section 37U.S.C 2342 Collateral Cheque Fraud 3 ) Under Section 42U.S.C 5619 Theft By Deception The Attorney General 's Legal Affairs & Investigation Section has received the complaint regarding your bad loan. In an effort to make you aware of information received by the Attorney General 's Legal Affairs & Investigation Section concerning your Case File, we are sending this complaint to you for response.
We would appreciate it if you would provide your written reply within 24 hours of receipt of this request so the complaint can be resolved without further action by the ( AIPOFS ) Annually Investigation Practices Of Federal System.
I would like to personally offer you good faith adjustment if you agree the terms of the resolution so we can confirm with the Groups Of Attorneys that the resolution offered is acceptable and close the file. If you deny then I apologies but seek to issue arrest warrant against you in 24 hours you will be taken either from your work place or home under the custody of 72 hours after bail this matter will be fully revealed in courthouse after the default judgement.Under Section 31 U.S.C 3716 the company can collect the funds before three years of the contract as per the Federal Government Right to collect the debt first accrued, except as otherwise provided by law.
Which carries a maximum sentence of 3.5 years of prison and a fine up to $ XXXX.Legal costs and interest may be added to the debt.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, so please EMAIL us back ASAP.
By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
Thank you for your prompt attention to this matter.
NOTE : Please send all communication electronically to this email asap.
Office of the United States Trustee, Long Island Federal Courthouse, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Thu, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Thu, XX/XX/2018 at XXXXXXXX XXXX To : XXXX Please contact us on this same email as this is the Email Recovery Department of XXXX XXXX XXXX.
Do update us with your intention that you want to resolve this case or you want to dispute -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Let us know are you willing to resolve this case outside of the court house or not so that we can proceed further and update your case file.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Do update us with your intention that you want to resolve this case or you want to dispute.
-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX Good Morning, Neither of these 2 payments options are financially feasible for me at this time ... A payment plan of twice a month at {$50.00} is currently what I can financially afford to pay until this dept is settled ... I am currently in garnishment with my student loans and that is where over 50 % of my paycheck is going and has been for the past 2 years now. With that and paying bills, I don't have the finances to do extra and some of my current bills. If this plan can not be done, I understand and will have to seek other options ....
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX A review was done on your file with the account section and we have decided that you can also pay the amount in 12 equal installments of {$50.00} Biweekly starting from today so that we can hold your case file else it will be forwarded. But as per the company policy we can not take such small payments through Debit/Credit cards, As we have a tie up with the company so you can pay this through XXXX XXXX.
And a full & final payment receipt will be provided to you as per your records.
Therefore, do update us ASAP so that we can work well on your file.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX We are waiting for your response.
-- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX I have never heard of such or done any payment plan through XXXX .... Any payment/installment that I have ever done OFFICIALLY with a company/Bank/Creditor/Collector has always gone through an Official Office/Branch that has given me a receipt of payment each and every time a payment was taken or made. I need some clarification on this process because this does NOT sound Official at all with the response you just emailed me .... I am currently at work, but would like some official Documentation/contract sent to me via email with the layout of the payment plan/installment before I agree to this ... I am not saying this if fraudulent, but I have never cleared a debt in this manner. I am going off my history with clearing debts and debts of all kinds ...
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!!
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX To : XXXX You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
Failure to attend may result in a warrant being issued for your arrest.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We have sent you several emails regarding this debt but you are not taking this matter seriously, we have to forward all these collection emails and download this case file as you have not updated your clear intention and ignoring this serious matter.
-- -- -- -- -- From : XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning Again, I have asked for an explanation on why money has to be sent on an XXXX Card, and that has yet to be explained to me. In past debt collections, I have NEVER been asked to submit funds on any kind of app card or such. I have always setup a payment plan with a signed contract for the data if when funds would be withdrawn and a timeline of the initial payment to the final payoff date. This is all I'm asking for because I don't want to be scammed or send funds to a fraudulent account/Department/group and the debt is not cleared. Clarification and Security is all I'm asking for please and Thank You!
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We take small payment via XXXX card only as we have tie up with the company regarding debt settlement cases. They allow us adjust your payment dates and amount according to the case.If you pay us with your Credit/Debit Card, you have to make a minimum payment of {$1400.00} in order to close this case file of yours.
A Debt Closure Certificate will be provided to you once we will get payment confirmation from our Accounts Department.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX Let us know about your final intention whether you are going to make payment or not so we will update in your case file accordingly and start legal consequences against you.
Get back to us ASAP to discuss about it, We will be happy to assist you further.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX Do revert us back ASAP if you are willing to resolve the case outside the court without any legal actions against you as we need to inform our accounts department and request an application to stop the legal actions against you.
Do revert us back ASAP.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Wed, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX Date : Fri XXXX XX/XX/2018 at XXXX XXXX To : XXXX XXXX XXXX XXXX Good Morning, Yes I am willing to resolve this matter outside of court. Please send me Directions on what I need to do on my end to start the process of repayment ...
Thank You!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2018 at XXXXXXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible.
We still trust court actions will not be necessary and look forward to receiving payment by return.
-- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX -- -- -- -- -- From : XXXX XXXX XXXX XXXX Date : Tue, XX/XX/2018 at XXXX XXXX To : XXXX Mail Delivery Subsystem XX/XX/2018, XXXXXXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical details XXXX XXXX XX/XX/2018, XXXX XXXX Greetings XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Failure to attend may result in a warrant being issued for your arrest. Legal costs and interest may be adde Mail Delivery Subsystem XX/XX/2018, XXXX XXXX Message not delivered Your message couldn't be delivered to XXXX because the remote server is misconfigured. See technical de XXXX XXXX XXXX XXXX Fri, XX/XX/2018, XXXX XXXX to me Court proceedings will be issued within 72 hours from the date of this letter if the account has not been settled. You will be prosecuted for Following Allegations ; Bank Fraud Violation of Federal Law of Debt and Banking Intentional Theft by Deception There will be no further warnings made for demands of payment. Court proceedings can include the additional expense of legal costs and interest being added to the balance of this account. It is regrettable that it has come to this point and court action is still avoidable if immediate and full settlement of this account is made.
XXXX XXXX XXXX XXXX Wed, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are really willing to resolve this case outside the court without any legal actions.
XXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX AM to me This email is reminder about the payment that you had promised to pay but we have not yet received your payment after so many reminders, so under IC3 ( Internet Crime Complaint Center ) we are considering it as a flat refusal from your side and we have to press charges against you.
If you are still interested in resolving this issue pay us immediately else you will be legally prosecuted within a couple of days.
NOTE : Your Social Security Number has been marked as Red Flag by US Government XXXX XXXX XXXX XXXX Mon, XX/XX/2018, XXXX XXXX to me Do revert us back ASAP if you are willing to resolve the case outside the court so we can send you the payment instructions.
Thank You.
XXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXXXXXX XXXX to me You are hereby summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 415 ( c ) we are automatically authorized for filing of this petition and taking any action to collect this debt from you.
Failure to attend may result in a warrant being issued for your arrest.
XXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me Do revert with your clear intentions so that we can proceed accordingly.
XXXX XXXX XXXX XXXX Tue, XX/XX/2018, XXXX XXXX to me We would advise to treat this matter with urgency and we believe you will not ignore
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| 02/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I've dealt with this co. for some time, never had any issues unless it's in their stores. The online dept. is usually really good. I do my payday loan on line because I don't like the lengthy, slow moving lines, or the approval process in the stores, & they usually have only 1 person working & 5+ people in line. You could be in there past an hour! What a waste of everyone 's time & it's poor quality customer service. It's not fair to their customers so I discontinued doing them in store. I do them on line because they're very flexible in the sense I can borrower on line, then go to the store to pick up the cash same day. It's really very hassle free. Takes maybe 5 minutes to do compared to the 2 hours in store. Their stores are not particularly close but some are better than others. I've been to a few & can tell you I only like the 1 on State College so far. I have been calling Ace to get extensions on my payday loans, because they put it on my pay day or before which is a huge inconvenience for me. This time it was before due to the holiday on XX/XX/XXXX & banks being closed. I rarely remember holidays unless I see closure signs for them. Because I don't get paid on XX/XX/XXXX I called on XXXX & XXXX XXXX who I get most of the time when I call & never ever had a problem with him or any of the others there. They're always very nice & extremely helpful. I like doing business with them. I don't like having that outstanding loan because it's true what they say, payday loans are a trap & hard to get out of. I pride myself in paying them timely & never being a problem customer. My plan was to figure out how to pay it off in the next month or 2 but taking that hit can be hard because you still end up short on bills. So it's not easy to pay off. Anyway, I called to request the extension they allot, I believe it's 5 days from the original due date. XXXX asked if the XXXX would be fine, I said yep that was perfect & he said it was done & approved. It's really a 1-2 minute call & very problem free. I never thought about it again because like I said XXXX has done this for me many times. I get the extension, it gives me time to get to the bank, then to the store of my choice to pay off the loan, then I go home, reborrow, then go back to the store to pick up the cash. Seems complicated but for me it works. If you pay on line the transaction sits on my bank account for up to 5 days before it clears. I hate that. If I let them do an ACH it does the same but then I can't borrow again for 5 days. I can't afford to do that so that's why I do it the way it's easiest & more convenient for me. They know me in the store now & are always courteous. Late last night I signed into my email to retrieve a phone number for our security co. at my complex that the manager gave me for noise complaints. I had a noisy neighbor & needed to call. That's when I saw the email from Ace thanking me for my payment. They only send those when they do an automatic ACH if you haven't paid the loan before the due date. Hence the reason I do the extensions to avoid the ACH because of the stupid 5 day rule & how it affects my budget. After I dealt with the noise problem I read the email & was livid! I had exactly {$0.00} in my bank account when they put through that ACH this XXXX I'm now {$290.00} over drawn! I had to file a dispute with the bank today, because that transaction will automatically generate a {$35.00} insufficient funds fee that I can't afford to pay! I got the bank to file the dispute after I explained what the transaction was. Prior to calling the bank I called Ace & asked XXXX to transfer me to a manager. I spoke to XXXX. I explained the situation to him & requested they reverse the transaction to honor my original request with XXXX. He said the notes XXXX put in the system said XXXX offered me an extension but I never confirmed it! WHAT???!!!! XXXX started to get upset with me & threatened to end the call if I didn't contain myself! I dared him to hang up on me & told him I'd be filing this complaint. He said it was my right & I agreed! I don't think people really understand the ramifications of their encouraging customers to file complaints against them. The complaints don't go to them, they go to high ups in the co. & make them look bad! I asked him if XXXX logged in that I made the call to Ace or he had reason to call me on that day? He said it showed I called! OK so duh! Why would I call, request an extension, then turn around & say I don't want it if I called to request it, to keep my account off the over draft????!!!! That didn't make 1 ounce of sense & XXXX couldn't make it make any either! I just got more upset the more he tried to cover his & XXXX ' XXXX. He continued to tell me what he " can't '' do rather than doing what skilled managers do : say let me review the call, then speak to XXXX, then I'll call you back with a solution! That's what REAL trained supervisors do! Every co. is into promoting people that have zero people skills & minus zero ability to handle an irate customer or lacks managerial experience. Not everyone is cut out to be a manager just because they think that's what they want to do! The ones in many companies today are completely inept! I had every right to be angry & to demand a solution since the error is Ace 's! Instead XXXX did what most people now days do, not sure if it's a generational thing but he tried to deflect the whole situation back on me, basically trying to say I was so XXXX or worse yet that maybe I was XXXX or XXXX on XXXX, to the point I picked up the phone, made a call to them to request something then changed my mind about it while on the phone, & later forgot I made the call! Why would I do that if I don't want my account to be on the over draft, can't afford to pay the fee & knew I wasn't getting paid on the XXXX?! How much sense does that make & I asked him the same question. He agreed it didn't make any sense & that's why I got angry. I get that XXXX wanted to try to figure out what happened first, but you don't try to put something back on the customer by blaming, or accusing them of something that didn't happen prior to having the facts, & the lack of ability of modern day unskilled managers to not understand what " taking accountability '' means is also astounding. I work in the banking industry, we are drug tested, finger printed & back ground checked, I fully understand the operations side of a bank. What I don't like is the requirement of Ace to do ACH transactions the day before the due date ( see the email ) then debit my account the next day. I hate the ACH transactions for a reason, that's why I rarely allow them to happen. I also prefer to go to the store to pay it off so I don't have a lingering transaction sitting on my account waiting 5 days to clear. I like to balance my account daily so I keep a close eye on it for such problems like this, when they occur I can jump on getting it resolved. It's rare this happens. This was an Ace error & they need to fix it ASAP! Because of their bumbling mistake my account is now going to be on the over draft over a long holiday weekend, until I get paid next week & can clear it or the bank reverses the item back to Ace. Typically it takes the bank almost 10 days to resolve these types of issues, meanwhile my account remains over drawn & there's an over draft fee to consider who gets to eat it! I demanded XXXX review the call, speak to XXXX & call me back with a resolution not his " I can't '' excuses! He said he would but I'm guessing he's lying about that & won't bother to admit they made a major flub up! He's thinking it won't go any further & that my threat to complain was idle! WRONG! It's real! What this does is bring distrust toward them from me & I'm fairly certain I won't continue doing business with them after this. I'm horrified that they would do something this irresponsible. They're used to dealing with people who are not very high on the IQ charts, are total losers, get high or drink to excess & don't have their act together. I'm not one of them! What angered me the most was XXXX attempting to deflect this back to me which seems like I said, to be a serious generational defect with younger generations today. It's easier for them to blame others rather than take responsibility for anything. Hence the reason we have all of this chaos in our country today! I'm not from those generations & was raised to take responsibility for my actions. If this was my fault I wouldn't bother with the complaint or even to call Ace. But since it wasn't & I feel Ace WON'T attempt to resolve it, apologize nor rectify it, that's why I'm filing this complaint. I want to make sure they don't ever do this to another person again! I can accept when someone makes mistakes, we're all human, but when you try to deflect & say too bad so sad customer just deal with it, that's where I draw the line at accepting mistakes! When we hung up there was no offer of resolution to the problem. I have a feeling Ace does this a lot but most people are unaware of how to complain. Many of these types of companies discontinued doing installment loans in CA because the law changed requiring them to lower the greedy high interest rates charged on those loans. Many of these companies discontinued doing them in CA because their greed won't allow them to lower the interest, that's how they make their money & keep you indebted to them for years. It's a major rip off & scam, so I'm glad CA stopped it. The next loans to be banned from CA are payday loans for pretty much this very reason! If Ace & other companies like them don't think that banks complain to the appropriate authorities when customers like me call with a problem like this, they'd best think again. Eventually these types of loans will be outlawed in CA too & many of the Western states. There are legislatures that have been working on bills for some time to get rid of predatory lenders. Can Ace afford to lose that business too? I'm guessing no! What they need to do is stop using COVID as an excuse & get back to the office, masks or no masks so the service level goes back to what it was before. Right now it's just not that great & hold times are way too long some times. I'm sick of businesses using COVID as the excuse for poor quality service. I bet if XXXX was in the office he wouldn't have made a XXXX error like this! Ace needs to rectify this ASAP! If nothing else they need to send me a letter apologizing so I can close that dispute with the bank & they'll understand what really happened. I maintain that there's no way I would pick up a phone to call Ace requesting an extension, then say I don't need or want it! That makes no logical sense to anyone that has common sense! I'm very angry with them & they need to rectify this or I will take my complaints to much higher government sources including the Dept. of Finance who regulates their business activities in CA. I suggest they not dismiss this or my level of anger. I'm not letting them get away with this!
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| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX around XXXX, I received a call from my father **** and he told me that a man name XXXX XXXX reached out to him via phone asking about me. Shortly before this, XXXX had called my stepmom **** and left a similar message. The message said : This message is intended for ****, claim number ***. This is XXXX XXXX contacting you regarding an order that was submitted to my office this morning. I need to verify an address to present you with your formal claim at your residence or place of employment. *** there may be a claim brought against you, at this point you have an opportunity to contact the firm handling your claim to discuss this matter. They can be reached at XXXX. Your claim number listed on this order is XXXX. ***you have officially been notified.
At this point, I had had yet to receive a call from XXXX XXXX myself. He had just reached out to XXXX. I then called the number XXXX to see who the creditor even was and to get more information. I call the XXXX and first spoke with a XXXX who directed to me a XXXX. He identified the company as XXXX XXXX XXXX.
I had never heard of or from XXXX XXXX or XXXX XXXX until this day.
XXXX asked me my information and explain that the debt was in their office from the original creditor AceCash Express. He asked how I would like to proceed with this matter and informed me that they hired a locator to present me with papers but that can be stopped if I set up a payment plan with them. I told him that I did not understand why this locator would be reaching out to my family members and still had yet to reach out to me. He explained that XXXX is just trying to find me and gathering information. I then asked for validation of the debt and the original paperwork that has my information and signatures regarding this debt. I was then informed by XXXX that the locator ( XXXX ) has all this paperwork and I need to accept it from him, but also that if I do accept it from him I can no longer work with the collection company directly and thats its within the courts now. I told him that does not make sense, I am asking for validation of the debt and Im not just going to accept paperwork from a man I had never heard of regarding a matter that I am not certain is mine. He kept telling me that I needed to accept the paperwork from the locator. Again I told him Im just asking for validation of the debt and XXXX would cut me off and tell me to accept the paperwork for validation. We went back and forth for at least 10 minutes, at this point XXXX said I dont know what else to tell you except for Good Luck and then he hung up on me.
I called the same number back and XXXX answered the call. I told him I was hung up on and would like to speak with someone else. I was then directed to a woman ( whose name I didnt catch ) and explained the situation all over ; this locator is calling my family and didnt call me, I want validation of the debt. She cut me off and asked what validation do you need? Your social security is attached to this debt I proceed to tell her that even if my social is attached to it that it doesnt mean its mine and she needs to provide me with validation of this debt. She also told me I just needed to accept the paperwork from the locator but that if I do accept it they will no longer be able to help me directly. I asked them then how can you help me. She told me my balance was {$710.00} but if I set up some payment schedules they will take off the {$200.00} locator fee ( because they hired XXXX to find me ) so my balance with their office would be {$510.00} also at this time if I set up payment arrangements they would call off the locator and he would stop attempting to find me. I asked questions regarding payment arrangements and told her that I can make {$100.00} a month until paid in full would work for me. I was told it needed to be paid off in three payments of roughly {$170.00} payments and the first payment would need to be made within a week. I asked if I made a smaller payment within the next two days of {$100.00} if the other payments would be lowered and if the first payment could be pushed out about two weeks. She agreed that was fine. My {$100.00} payment was to come out of my account on XX/XX/XXXX. The remaining {$130.00} and odd change payments were to come out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at which point the account would be paid in full. She informed me that if I needed to change a date or alter anything I would need to call the office. She then stated that since I set up a plan with them that she would email me validation of the debt and a copy of my payment schedule. I was then transferred to another gentleman to confirm my card number and payment dates. At the end of my call I expected an email regarding all the information I asked for, validation of the debt and a payment schedule. This email never came. A payment of {$100.00} was taken out of my account on XX/XX/XXXX.
On Friday XX/XX/XXXX, I did some searching online regarding Debt Consolidation. I received a quote from a **** with XXXX XXXX XXXX. I worked out a consolidation plan with her that included XXXX XXXX XXXX as a creditor to be paid back. I had called XXXX XXXX on XX/XX/XXXX asking them for a confirmation email on my payment schedules so I was giving the correct amount to XXXX XXXX. I was given the number to XXXX at XXXX. I tried to call her to request the confirmation email and I got her voicemail. On the morning of XX/XX/XXXX I called again and got through to her. I told her I was supposed to receive an email last week with paperwork and had yet to receive anything. XXXX told me that it didnt appear that a request was put in to send me paperwork but then she would be able to provide me with a payment confirmation. Within 30 minutes I received an email with a statement from XXXX XXXX Validation of my debt was not included.
I forward this statement to XXXX with XXXX XXXX to include the {$410.00} into my payback plan. Upon finalizing paperwork and signing documents with XXXX XXXX on XX/XX/XXXX, I called XXXX XXXX to ask them to disable my automatic payments. I called and first spoke to XXXX again and explained that I wanted to modify my payments. I was transferred to XXXX. I explained that I signed contracts with XXXX XXXX for debt consolidation and that XXXX XXXX was included. I asked that my automatic payments with their office be deleted as I will not be paying them directly anymore, they will get payments from XXXX XXXX. XXXX told me that if I canceled my arrangement with their office that they would resend out the locator to deliver my papers. I again explained to her that I have set up an arrangement with a third party company. I asked if she wanted their name and number to confirm or if a representative from XXXX XXXX needed to call them to confirm. She said no, they still are going to send out the locator, once again said Good Luck and hung up on me. I called them back again because I had not even received confirmation that my automatic payments were going to be deleted. XXXX answered first, I told him I need to speak to XXXX who hung up on me. I was transferred back over, I told her I did not appreciate being hung up on and that I still need confirmation that payments werent going to be pulled from my account. She told me they were deleted. I asked for a confirmation email stating that payments were deleted. She told me she was unable to do that but she can assure me that they were deleted. I told her that on their end our conversation is recorded but I have no way of recording our conversation, her just telling me that they arent going to pull a payment doesnt mean a whole lot to me at this point in working with XXXX XXXX. I have been hung up on, Ive gotten attitude from everyone Ive talked to, I tried to work out a payment schedule that worked for me and was denied and told I needed to pay a higher amount or the locator was going to serve me papers. XXXX XXXX word mean nothing to me. I need an email confirmation. She again said she couldnt do that but they wouldnt be resending out the locator if payments were scheduled, hence payments were deleted because they already planned on resending out the locator. Our conversation ended with nothing resolved.
On XX/XX/XXXX, at XXXX I received a text from my stepmom ***** that XXXX XXXX left her another message regarding me.
On XX/XX/XXXX at XXXX I received a call from XXXX. I answered and the man identified himself as XXXX XXXX. He stated that he needed to deliver papers that I needed to sign and we needed to figure out a way to do that. He asked if I was currently at home, I said no. He asked if I was at work, I said no. He asked where I was because he could meet me somewhere within 10 minutes. I told him I will not be meeting him anywhere. He told me I needed to take it up with XXXX XXXX because hes just trying to do his job and I wasnt understanding. I told him he wasnt understanding, I already talked with XXXX XXXX who is not accepting my answers to this problem. He told me it doesnt matter he needs to give the papers to me. I told him he can leave them at my residence. He told me he needs a signature and cant just leave them somewhere. He proceeded to tell me that he will be stopping by my work tomorrow XX/XX/XXXX to deliver papers. I told him I do not authorize him to come to my work. He said it doesnt matter he will be coming to my work to find me. He ended the call with, Have a good rest of your day. I immediately called back, was sent straight to voicemail. His voicemail states that this is XXXX XXXX and this number does not accept voicemails, I was unable to leave him a message.
On XX/XX/XXXX at XXXX I received a call from my dad, **** that he received another call from XXXX XXXX.
On XX/XX/XXXX at XXXX I received two calls back to back from XXXX XXXX XXXX XXXX No voicemail was left.
As you can also see from the attachment, the company does not even list an address. The phone number that is used for the signature is not the same number I have been given this whole time to call and discuss my claim. When you do call the number listed it goes right to a voicemail for XXXX XXXX XXXX and you have to leave your name and number to receive a call back.
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| 08/24/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I would like Ace Cash Express to give me a chance...I did take a loan out with Ace Cash Express in the form of an online installment loan in the month of XX/XX/XXXX...On XX/XX/2020I made a payment of XXXXThen I got behind in loan payments...I received no written correspondence from Ace Cash Express then today XX/XX/XXXX I received the details I am sending you now two phone calls that upset me greatly....I am having financial difficulties and I have also been very ill...My own mother contracted the XXXX XXXX and thank goodness is better and she is XXXX years old...I myself have been very ill for a number of reasons...I am already a person with a serious XXXX and I do work part time to supplement my XXXX income...Ace Cash Express showed me no mercy no care no consideration and did not give me a chance...I received no written correspondence then today I received the nasty phone calls that I share in detail in this message...I ask that you read this message in it's entirety and I ask Ace Cash Express to cease and desist predatory collection practices that only add to my stress levels...I ask that Ace Cash Express apologize to me in writing for attempting to use fear mongering through so called locator services and bullying tactics used by both XXXX XXXX XXXX and a claims office that refuses to provide me their physical address for correspondence...My voice was systemically and categorically silenced by Ace Cash Cash Express who refused me my basic right to get on a payment plan. The records show that as of today XX/XX/XXXX that Ace Cash Expressed refused to accept my bank card details with my offer of a very small payment of XXXX dollars until next month to show that I am not a fraud...XXXX XXXX XXXX also refused those details as did the claims company...I am refusing to accept any papers from a claims company I know nothing about a claims company that refuses to provide me with due process such as their physical address for correspondence....The records show that this claims company refused me those details...I ask Ace Cash Express to cease and desist predatory collection practices by selling my loan off to bullies who use threatening speech and intimidation tactics to force money out of me that I do not have...The stoop so low as to falsely accuse me of breach of contract and fraud...The records show that Ace Cash Express has systemically and categorically refused to work with me time and time again...Kindly read the detailed report below that I also sent to the Attorney General's office here in Texas...
On XX/XX/XXXX I took out an Ace Cash Express Online Installment Loan...In the amount of XXXX...On XX/XX/XXXX I made a payment of XXXX...I did get behind in payments...I received a phone call today from XXXX a woman stated she was a locator paid to serve me claim papers...She told me to call this number XXXX which I was told is a claims office I spoke to XXXX XXXX who refused to provide me an address for this Claims Office...I never received any written correspondence prior to these phone calls today...
Ace Cash Express at Corporate told me they sold my loan to XXXX XXXX XXXX that my account is restricted and Ace Cash Express refused to accept my modest payment...Until I can get on a better payment plan...I was given the phone number for XXXX XXXX XXXX at XXXX who refused to accept my bank card details and small payment to show I am not a fraud...I was then told to contact this claims office where I spoke to a XXXX XXXX who refused to provide me their Claims Office address...That phone number where I spoke to XXXX XXXX is XXXX the claim number I was given is: XXXX XXXX XXXX XXXX refused to look up my loan under the loan number I was instructed to provide them by Ace Cash Express which is: XXXX...I would like to report this as Fraud on the Part of Ace Cash Express for not following the proper procedures to act in a reasonable manner to afford me a chance to repay this loan on a payment plan...Bullying tactics were used and threatening speech was used by both XXXX XXXX XXXX and XXXX XXXX at the Claims Office which I have no idea if it even exists...
More details Today Monday XX/XX/XXXX after XXXX XXXX in the afternoon...I contacted Ace Cash Express on their corporate phone number which is XXXX to inquire as to why the phone number that Ace Cash Express provides on my credit bureau report is not a working phone number...You see the loan I took out with Ace Cash Express is an existing loan that I do indeed owe to Ace Cash Express...I asked Ace Cash Express to kindly provide me with a copy of any and all correspondence they sent my way since I took out my loan with them...Ace Cash Express refused me this request and stated that "they do not take adversarial action against borrowers"...Ace Cash Express proceeded to transfer me to their Agency department where I spoke to a woman named XXXX who confirmed that Ace Cash Express has my current and up to date physical address but not my XXXX XXXX XXXX Mailing Address...I offered to update my current mailing address and Ace Cash Express refused to update my address...XXXX confirmed that Ace Cash Express sold my loan to XXXX XXXX XXXX...XXXX told me she is aware that XXXX XXXX XXXX is known for using tactics such as having a so called locator service person call the borrower acting like they are trying to find the borrower and then having the borrower call a so called claims office that in reality does not exist...XXXX confirmed this...I said XXXX since Ace Cash Express is aware of these underhanded intimidation tactics used by XXXX XXXX XXXX why in hell would you retain companies like these...XXXX stated she did not care...I just spoke to XXXX XXXX who is the manager for Ace Cash Express and who handles OCCC complaints like these...XXXX XXXX told me the original loan amount that I took out with Ace Cash Express on XX/XX/XXXXwas for $XXXX that due to their very high fees the actual loan amount that I would have to repay was more than double $XXXX...I made a payment of $XXXX which means that I would owe Ace Cash Express a total of $XXXX in the original amount owed plus the high fees and interest rates...XXXX XXXX states that Ace Cash Express sold my loan to XXXX XXXX XXXX in an attempt to collect from me the borrower a total of $XXXX...XXXX XXXX stated that she XXXX XXXX XXXX is a law firm and that she will ask XXXX XXXX XXXX to cease and desist collection activities with me and to cease and desist using these intimidation tactics to get me to repay this exorbitant loan amount..XXXX XXXX told me that Ace Cash Express does not allow XXXX XXXX to pursue legal action against their borrowers...I told XXXX XXXX that is exactly what XXXX XXXX did to me was threaten me with legal action with a so called claim and claim number which I provided in my previous details...I asked XXXX XXXX would she be willing to put in writing what she told me she refused...I stated that I would like a written apology from XXXX XXXX XXXX for these underhanded profane tactics over a five hundred dollar loan with exorbitant greedy fees and interest rates attached a small loan that I already paid almost half of in the amount of $XXXX...I said this is vile and pure evil disgusting and an example of greed found here in America called American Greed...I said this matter should be investigated for all borrowers not just borrowers like myself who find themselves in need of a small loan only to face criminal intimidation tactics and psychological warfare found in the abuse of legal terms and legal language so as to instill fear in me...Also known as fear mongering...All those tactics do is serve to incite in borrowers like me angry responses...I would like to seek compensation from XXXX XXXX XXXX for time lost from my part time job...I was so upset by Friday's phone calls that I could not work on Friday after those calls were made and while I did work on Saturday...On Sunday I was so exhausted and traumatized by those phone calls that I had to rest all day Sunday...I would like to seek compensation for the psychological pain and suffering caused me from this grueling horrible experience...Ace Cash Express told me the only letter they sent me was back in XXXX stating they sold my loan to XXXX XXXX XXXX a letter I never got...I was sure to provide XXXX XXXX at Ace Cash Express my current mailing address and she confirmed for me that she does have my current physical address...This kind of abuse of borrowers has to be stopped this is disgusting...America's corporate greed is way out of control and the fallout is massive...People's lives are destroyed wholesale and if I were an elderly lady I could have dropped dead from a XXXX XXXX or if I was seriously XXXX become XXXX as what was done in my case could have triggered a trauma based response in me so as to cause my XXXX XXXX to be compromised which could have set me up to become XXXX...I want all borrowers to be looked into who borrowed from Ace Cash Express who got behind like I did to see how they are doing and did any die from a XXXX XXXX or from XXXX...This is very serious...My XXXX XXXX has suffered as a direct result of what Ace Cash Express put borrowers like me through via vile collection law firms such as XXXX XXXX XXXX...
Respectfully Submitted,
By Ms. XXXX XXXX XXXX
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| 12/20/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts 19
86, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my credit as follows XXXX XXXX XXXX XXXX- over 5 years old debt not mines and was deleted because they couldnt validate and now back on XXXX and XXXX . No contract.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
|
| 12/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
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.
|
| 03/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Received this threatening email.
From : XXXX XXXX XXXX XXXX XXXX { US } XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX Subject : Arrest Warrant Under 18 USC Sections 1956-57 : Lawsuit Case File No LF - XXXX ( Immediate Action Required ) ( Lawsuit Presented in the courthouse against Mr/Ms. on XX/XX/XXXX ) This email is in reference to notify you that 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 with the next seven business days once we file lawsuit against you as the person has failed to pay off the debt as per the agreement, therefore this case has been presented for lawsuit into the courthouse after several attempts to resolve this case with defaulter without any courthouse interference.
Note : Defaulter was offered several chances to take care of this debt but committed false commitments with the company during resolution procedure and attempted fraud continuously, there we have decided to finally present this case for lawsuit into the courthouse on 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 in order 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 : Last Name : SSN : # Employer Phone : Address : Phone Number : Drivers License : Requested Loan Amount : {$500.00} Approved Loan Amount : {$300.00} Case Information : Initial Loan Disbursement Amount : {$300.00} Case No : LF - XXXX Settlement Amount : {$290.00} Total Outstanding Balance : {$1000.00} Legal Notice Issued On : XX/XX/XXXX Charges against Mr/Ms.
FDCPA ACT - 18 USC Sections 1956-57 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 US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) on the courthouse date which will be delivered to you as we have already filed a lawsuit into the courthouse on XX/XX/XXXX.
XXXX HOUSE : US District Court ( Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX, United States ) Your courthouse reference case number is which is under the hand of courthouse attorney Mr. XXXX XXXX.
This case was filed under fraudulent section ( C ) chapter XXXX into the courthouse and will be executed as per the agreement in order to pay off this account under the guidance of the court house.
Important Note : 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 courthouse date which will be delivered to you through the courthouse within 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 court house as stated this case has been filed for lawsuit into the courthouse on XX/XX/XXXX in order to collect the total sum due {$1000.00} along with lawsuit {$11000.00} and applicable attorney fees.
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.
( This is a written communication electronic acknowledgement from XXXX XXXX XXXX XXXX XXXX { US } and is solely intended for only Mr. /Ms XXXX XXXX XXXX XXXX XXXX { US } XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX Phone : XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this email. Please notify the sender immediately by email if you have received this email by mistake and delete this email from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.
|
| 05/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Below is 1 of 3 letter I received from the XXXX office of Washington State in regards to ACE Cash Express. The company that called me today XXXX and XXXX told me that I was on a recorded line and as long as I gave them a credit card over the phone they would call the debt fulfilled. There Robocaller said it was a message from TSA There phone XXXX. The refused to give me there address due to their safety. They told me that I owed {$890.00}. This loan was taken out inXX/XX/XXXX.. And I have records of other calls that I got where I actually paid money over the phone to companies stating that they work for Ace Cash Express . This is the 5th company that has been sold my SSI number in the 3 months. They called my work and refuse to take the number off their records. Yes I confirmed my SSN what different does it make they have it and calling and harassing me Here is the letter from the XXXX from XX/XX/XXXXand there have been 11 different companies that have called me since this date to ACE.
XXXX XXXX and XXXX have told me this will be filed into XXXX County Court. Unless I pay the {$890.00} over the with a debit I want it STOPPED.. I have paid the jerk repeatedly until figured out it was a scam.
.
XXXX : XXXX MI XXXX Complaint Processing ( XXXX ) XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : XXXX : A notice from the Washington State Attorney General 's Office XXXX XXXX ATTORNEY GENERAL OF WASHINGTON Consumer Protection Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX , Ace Cash Express and XXXX XXXX File # : XXXX Dear XXXX XXXX XXXX : Thank you for contacting the Consumer Protection Division of the Attorney Generals Office. We received the consumer complaint you submitted to our office regarding XXXX XXXX, Ace Cash Express and XXXX XXXX contacting you and demanding payment on debts they claim you owe.
XXXX XXXX, Ace Cash Express and XXXX XXXX may be operating a collection scam. Because our office receives many complaints regarding this issue, we have compiled the information below from various sources including the Federal Trade Commission ( FTC ) to assist consumers identify steps they can take if they receive a call they suspect is a collection scam. You can learn more about consumer scams on the ( FTC ) website at http : //www.consumer.ftc.gov/.
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number.
A caller may be a fake debt collector if he/she : is seeking payment on a debt for a loan you do not recognize ; refuses to give you a mailing address or phone number ; asks you for personal financial or sensitive information ; or exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector : Ask the caller for his name, company , street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written " validation notice. '' The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller 's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate but you think the collector may not be contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
If the communication with XXXX XXXX, Ace Cash Express and XXXX XXXX suggests knowledge of your social security number or financial account numbers, you may wish to take steps to protect yourself against identity theft. You may obtain information about how to protect yourself from identity theft on our website at XXXXttp : //XXXX.
Following is information from our website about collection agencies that may be of assistance to you.
When a Collection Agency Contacts You.
The first time a collection agency contacts you, it must give its name and address, and the name of the original creditor ( the business or person you owe money to ). It must also tell you in writing the amount of the debt and any fees which have been added, such as interest or collection fees. You must also be informed of your right to dispute the information.
A collection agency can not call or write to you more than three times a week. Only one of those calls can be at work. You can not be called between 9 pm and 8 am ; A collection agency can not harass, intimidate, threaten, or embarrass you ; A collection agency can not threaten violence, criminal prosecution, or use offensive language ; and If you send a written statement requesting a collection agency to stop, it can not continue to call or write to you to demand payment.
Consumer complaints provide valuable information that our office uses to identify patterns of unfair or deceptive practices that may warrant enforcement of the Consumer Protection Act. We value the important information that we receive from consumers like you. We will retain the information you submitted as part of our public record. In addition, your complaint will be exported to the Federal Trade Commissions ( FTC ) Consumer Sentinel database.
Consumer complaints are public records and are available to the public for copying or inspection in compliance with the Washington State Public Records Act, RCW 42.56.
We hope this information will be of assistance to you.
XXXX XXXX XXXX Program Specialist 3 Consumer Protection Division
|
| 05/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Below is 1 of 3 letter I received from the XXXX office of Washington State in regards to ACE Cash Express. The company that called me today XXXX XXXX XXXX told me that I was on a recorded line and as long as I gave them a credit card over the phone they would call the debt fulfilled. There Robocaller said it was a message from XXXX There phone XXXX. The refused to give me there address due to their safety. They told me that I owed {$890.00}. This loan was taken out in XXXX.. And I have records of other calls that I got where I actually paid money over the phone to companies stating that they work for Ace Cash Express . This is the 5th company that has been sold my SSI number in the 3 months. They called my work and refuse to take the number off their records. Yes I confirmed my SSN what different does it make they have it and calling and harassing me Here is the letter from the XXXX from XXXX and there have been 11 different companies that have called me since this date to ACE.
XXXX XXXX XXXX XXXXXXXX have told me this will be filed into XXXX XXXX XXXX. Unless I pay the {$890.00} over the with a debit I want it STOPPED.. I have paid the jerk repeatedly until figured out it was a scam.
.
XXXX : XXXX XXXX XXXX Complaint Processing ( XXXX ) XXXX Sent : Tuesday, XX/XX/2014 XXXX XXXX To : XXXX Subject : XXXX : A notice from the Washington State Attorney General 's Office XXXX XXXX ATTORNEY GENERAL OF WASHINGTON Consumer Protection Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX File # : XXXX Dear XXXX XXXX XXXX XXXX XXXX you for contacting the Consumer Protection Division of the Attorney Generals Office. We received the consumer complaint you submitted to our office regarding XXXX XXXX, Ace Cash Express and XXXX XXXX contacting you and demanding payment on debts they claim you owe.
XXXX XXXX, Ace Cash Express and XXXX XXXX may be operating a collection scam. Because our office receives many complaints regarding this issue, we have compiled the information below from various sources including the Federal Trade Commission ( FTC ) to assist consumers identify steps they can take if they receive a call they suspect is a collection scam. You can learn more about consumer scams on the ( FTC ) website at http : //www.consumer.ftc.gov/.
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number.
A caller may be a fake debt collector if he/she : is seeking payment on a debt for a loan you do not recognize ; refuses to give you a mailing address or phone number ; asks you for personal financial or sensitive information ; or exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector : Ask the caller for his name, company , street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written " validation notice. '' The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller 's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate but you think the collector may not be contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
If the communication with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX suggests knowledge of your social security number or financial account numbers, you may wish to take steps to protect yourself against identity theft. You may obtain information about how to protect yourself from identity theft on our website at http : XXXX
Following is information from our website about collection agencies that may be of assistance to you.
When a Collection Agency Contacts You.
The first time a collection agency contacts you, it must give its name and address, and the name of the original creditor ( the business or person you owe money to ). It must also tell you in writing the amount of the debt and any fees which have been added, such as interest or collection fees. You must also be informed of your right to dispute the information.
A collection agency can not call or write to you more than three times a week. Only one of those calls can be at work. You can not be called between XXXX XXXX and XXXX XXXX ; A collection agency can not harass, intimidate, threaten, or embarrass you ; A collection agency can not threaten XXXX, criminal prosecution, or use offensive language ; and If you send a written statement requesting a collection agency to stop, it can not continue to call or write to you to demand payment.
Consumer complaints provide valuable information that our office uses to identify patterns of unfair or deceptive practices that may warrant enforcement of the Consumer Protection Act. We value the important information that we receive from consumers like you. We will retain the information you submitted as part of our public record. In addition, your complaint will be exported to the Federal Trade Commissions ( FTC ) Consumer Sentinel database.
Consumer complaints are public records and are available to the public for copying or inspection in compliance with the Washington XXXX XXXX XXXX XXXX, XXXX XXXX.
We hope this information will be of assistance to you.
XXXX XXXX XXXX Program XXXX XXXX Consumer Protection Division
|
| 09/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email fromXXXX XXXX XXXX stating I owed {$1100.00}. I had never heard of this company. I asked for more information. The said it was for XXXX XXXX. I replied asking for documentation as I was not aware of any debt to them. They said they did not have any just a statement from original center. I responded that if they did not have documentation I would not be paying anything. I would be willing to review anything I signed, etc showing I owed the debt.
This was their response On Tue, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX, Unfortunately , all I have is the affidavit and to send you the copy is against the law before the charges are pressed it will be hence considered as DEFAMATION OF CHARACTER Well if you are asking about the Copy of the original document, however, you should be aware of it that when you applied for this loan, you just mentioned your confidential information during the online loan application.
The entire process was online and you did not physically sign any contract so we are unable to provide you that information which we do not have.
However, we have sent you detailed information whatever needed to prove that the loan was taken on your name and it was applied using the same information at your address but to receive it you were not present at home.
Still if you want the documents, what I can do for you is, you have to send us a request letter from your side with a valid photo identification proof with your physical signature stating that you want the documents to be sent at your mailing address and also you are disputing this case into the courthouse having your attorney to fight the case for you.
Your SSN will be put on hold and a legal case will be filed in your name until the first hearing of the Local County Court.
The penalties would be double if you lose the case in the courthouse fighting against our company.
We will also inform all the three major credit bureaus to report this act of fraud into your Credit score.
Your positive reply will be greatly appreciated Thanks and Regards Debt Settlement Division Email Support.
I am not comfortable sending them my drivers license copy. I told them if they could not provide the information to stop contacting me.
this was their response : Dear XXXX, Alright, we shall meet in the court house as soon as possible.
Best regards On Thu, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : You are in violation of collection laws. Do mot contact me again On Wed, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear , Very soon the case file will be downloaded against your name and social. After giving several notifications we did not get any response from your side.
We will consider that you are ignoring this matter.
This is your last and final chance to settle this case. If you don't take it seriously we will surely take hard steps against you. And you will be the person who will be only responsible for the legal consequences.
If we did not receive any response from your side within 24 Hrs. We will proceed further with legal charges against your name and social security number without any notification.
Do update us with your good intention that you want to resolve this case or you want to dispute.
Please do revert ASAP to avoid legal consequences.
BEST WISHES, Accounts Department XXXX XXXX XXXX XXXX On Fri, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : Without proper documentation ( and an affidavit is not proper documentation of the rent ) I will no longer communicate with you. Please do not contact or threaten me any further. I will keep an eye out for the arrest warrant that you speak of. Betting that, you are hereby notified to not contact me at all.
On Fri, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX, Alright , we are sending you the arrest warrant at your doorstep and Law enforcement people also will be there at your doorstep.
We gave you the last chances to resolve this issue by making payment. now your credit history will be destroyed and you won't get any loan in your entire life.
Best Wishes On Thu, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX wrote : Dear XXXX, We have tried several times to work with you but as you are not co-operating with us then, unfortunately, we have to proceed further with legal actions against your name and SSN in order to dispute this matter into the courthouse.
This is confirming completely that you do not want to cooperate with us. We have already told you that if you have any financial hardship or something else, you can update us. We will try our best to help you out. As you are receiving, our notification and not responding us back.
IN THIS SITUATION, WE ARE GOING TO PROCEED FURTHER WITH LEGAL CHARGES AGAINST YOUR NAME AND SOCIAL. YOUR CASE FILE WILL BE FORWARD TO RESTITUTION DEPARTMENT HEAD. THEY ARE GOING TO TAKE ACTION AGAINST YOU WITHIN 24 HOURS AND YOU HAVE TO REPRESENT YOURSELF FORCED TO COME OUT INTO THE COURTHOUSE. AFTER THAT, YOU DO NOT HAVE RIGHT TO BLAME US.
NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
Do Revert ASAP!!
Thanks & Regards Debt Settlement Division Inc.
I have 16 back and forth emails from XXXX XXXX-XXXX XXXX. I assumed they had given up. Then I received another email this morning Your case file is still on hold, now we are unable to hold this case file anymore, Kindly clear your intention toward this matter so that we can go ahead accordingly.
Do Revert ASAP Best Regards Settlement Team After asking multiple times for documentation and requesting that they do not contact me at all they are still harassing me.
|
| 07/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Older American |
|
XXXX XXXX
XXXX XXXX (18 hours ago)
to CollectionsTeam, acepresident, ACE, XXXX
Dear Sirs,
I cannot have my email be flooded by fraudulent collection claims and I cannot be charged for banking fraud nor whatsoever accused and harassed for in your emails as unpaid.
For the attention of Ace President and Collections Team, I have forwarded you my last loan with ACE Cash Express and I need for you all to clear my name from the fraudulent emails that continue to flood my emails for bills that have been cleared and cannot be charged over and over from XX/XX/XXXX.
BEST REGARDS,
XXXX
---------- Forwarded message ----------
From: ACE Cash Express
Date: Mon, XX/XX/XXXX at XX/XX/XXXX
Subject: Thank you for paying off your loan
To: XXXX
Having trouble viewing this email? View Online.
To ensure proper delivery of future ACE Cash Express emails, please click here.
Payday Loans Prepaid Debit Cards Title Loans Auto Insurance Store Services Store Locator
Dear XXXX,
Thank you for your payment. Your short-term loan #XXXX is paid in full.
We hope you've had a good experience with ACE Cash Express. If you have questions or concerns, please call us at (XXXX)XXXX during our business hours. We're here to help.
Thank you again for your business and we hope you will continue to be an ACE customer in the future. You can always find us at www.acecashexpress.com.
Sincerely,
ACE Cash Express, Inc.
(XXXX)XXXX
(XXXX)XXXX (fax)
Monday-Friday: XXXX XXXX to XXXX XXXX CT
Your loan details:
Licensee: ACE Cash Express, Inc.
XXXX
ACE Cash Express XXXX
(XXXX)XXXX
Date of Transaction: XX/XX/XXXX
Loan Number: XXXX
Transaction Type: Cash Advance
Amount Paid: $XXXX
Principal: $XXXX
Fees/Interest: $XXXX
This email was sent to: XXXX
To unsubscribe from our mailing list, please update your profile. Your email address will be removed from our mailing list within 3-5 business days, OR send postal mail to: ACE Cash Express, Inc. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Copyright ACE Cash Express XX/XX/XXXX. All rights reserved.
XXXX XXXX
XXXX XXXX (1 hour ago)
to XXXX
Dear Attorney XXXX XXXX,
Again, I will not pay for any loans that are misleading and that I never receive and here are my communications with XXXX since XX/XX/XXXX which I manage to know and honestly believe that I DID NOT RECEIVE THERE ACH TRANSFER TO MY ACCOUNT...the error is on the company not my error and I have given you proof that my loan was paid of from XX/XX/XXXX and nothing more.
BEST REGARDS,
XXXX XXXX
---------- Forwarded message ----------
From: XXXX XXXX XXXX
Date: Wed, XX/XX/XXXX at XXXX XXXX
Subject: Account Number XXXX Subject - Lawsuit (Urgent Attention)
To:
CASE FILE : XXXX
LOAN INFORMATION
DUE AMOUNT- $XXXX
LOAN COMPANY- XXXX
This is to inform you, that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Federal Government, so before the case is filed we would like to notify you about this matter.
It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE:
(1) VIOLATION OF FEDERAL BANKING REGULATION
(2) COLLATERAL CHECK FRAUD
(3) THEFT BY DECEPTION
(4) ELECTRONIC FUND TRANSFER FRAUD.
Now this means few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you are found guilty into the court house, then you have to bear the entire cost for this law suit which totals to $XXXX, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have/ can't afford one then the court will appoint one for you.
We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through Email between XXXX XXXX to XXXX XXXX (EST).
IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH EMAIL BETWEEN WORKING HOURS.
UNITED STATES DISTRICT ATTORNEY
Copyright (c) XX/XX/XXXX XXXX | Privacy | Terms of use
--
Regards
XXXX XXXX XXXX Investigation Officer (Department-Law and Enforcement), XXXX
--------------------------------------------------------------------------------------------------------------------------------------------------
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, re-transmission, 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.
Click here to Reply or Forward
|
| 11/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST ACE CASH EXPRESS AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
ACE CASH EXPRESS provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. ACE CASH EXPRESS regularly furnishes consumer credit reports to Creditors electronically. ACE CASH EXPRESS is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
ACE CASH EXPRESS routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified ACE CASH EXPRESS at the address specified for such disputes that ACE CASH EXPRESS is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously.
ACE CASH EXPRESS has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to ACE CASH EXPRESS. ACE CASH EXPRESS receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on ACE CASH EXPRESS S website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, ACE CASH EXPRESS, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is ACE CASH EXPRESS XXXX policy and practice only to compare the name, social security number, date of birth, and address in ACE CASH EXPRESS s computer database with the information provided on ACDV forms. Where three of the four items match, ACE CASH EXPRESS will report to the Consumer that it has verified the information it furnished as accurate. It is ACE CASH EXPRESS s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because ACE CASH EXPRESS collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, ACE CASH EXPRESS s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, ACE CASH EXPRESS will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, ACE CASH EXPRESS continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted ACE CASH EXPRESS at the address specified by ACE CASH EXPRESS to dispute information furnished by ACE CASH EXPRESS to a Creditor and to notify ACE CASH EXPRESS that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain.
Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA.
I want ACE CASH EXPRESS to remove these inaccurate items.
|
| 04/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Below is the actual email they sent, in previous emails they show my social security number and my bank information in the email, I am sending this complaint because now they have included XXXX XXXX XXXX as a threat.
Fw: XXXX XXXX XXXX
From: XXXX XXXX
Sent: Tuesday, XXXX XXXX 2017 XXXX XXXX
To: XXXX
Subject: XXXX XXXX XXXX
CREDITOR :XXXX XXXX XXXX
CASE NO: XXXX
Dear XXXX XXXX,
Total Due Balance:XXXX
Todays Settlement amount is XXXX
This Legal Proceedings issued on your Docket NumberXXXXwith one of XXXX XXXX XXXX. 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 XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer:
We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next2 HOUR we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. 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 Email back to get the payment mode too.
Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
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.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO SETTLE YOUR CASE CONTACT TO SETTLEMENT DEPARTMENT:mailto:XXXX ****below is another email****
Attorney XXXX
Settlement notice
X/XX/2017
NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN:-XXXX ROUTING NUMBER:-XXXX CASE NUMBER- XXXX PENDING AMOUNT: XXXX SETTLEMENT AMOUNT:XXXX Defendant XXXX XXXX We are hereby informing you that my client ACS CASH SERVICE
Settlement notice AG Attorney XXXX
Fri XXXX, XXXX XXXX
Attachments, pictures, and links in this message have been blocked because the sender isn't in your Safe Senders list. I trust content from XXXX.
This message was sent with high importance.
NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN:-XXXX ROUTING NUMBER:-XXXX
CASE NUMBER- XXXX
PENDING AMOUNT: XXXX SETTLEMENT AMOUNT:XXXX
Defendant XXXX XXXX
We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case.
Be notified that documents are being prepared for the issue of summons regarding the above debt.
JUDGEMENT in this matter may lead to:
(a) Additional legal Costs being charged.
(b) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit.
FAILURE to make payment after judgment of Court lead to:
(a) Seizure of assets by a Court
(b) Attendance in Court for an Oral Examination regarding assets, liabilities,
Income and outgoings
(c) A Garnishee order attached to your bank accounts.
(d) Bankruptcy or liquidation
If you are willing to resolve this case then we can provide you a onetime settlement offer of XXXX that has to be paid by Today as paid in full with XXXX balance.
Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment.
You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is XXXX in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious.
If we havent received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay XXXX in front of the judiciary and then the settlement amount XXXX will not be acceptable.
NOTE: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH (XXXX XXXX XXXX) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
Sincerely,
Law & Investigation Department
ACS CASH SERVICES
|
| 10/12/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I received this email in my secondary email I rarely use. I have never applied or accepted any loan from these people and they're trying to intimidate me into believing I owe someone money. Below is a copy of email I got : Case File No : XXXX Balance Amount : {$970.00} Today 's settlement amount {$750.00} Case File Transferred to XXXX : - XX/XX/2020.
Contact : mailto : XXXX Dear Customer, Having checked your Social Security Number through our National Checking Database The system, and finding out that you have been never charged for fraud activity, XXXX has decided to give you a chance to take care of this issue outside of The court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00}. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the courthouse. On a case to case basis, you may be given the solution to pay 45-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
This is ACS ( Ace cash services ), it is a parent payday loan company which owns and operates more than XXXX parental payday loan websites, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours that what would you like to do it. We would like to update you, the initial loan the amount was {$300.00}. And now with the late fees and tax, the Rate of Interest the initial amount of {$300.00} goes up to {$970.00}.
We have settlement amount for you ; 1. If you can make a one-time payment of {$750.00} then we can close your case file with this amount only.
2. If you are looking for a bi-weekly payment then you have to pay a total amount of {$840.00} with payment arrangement and you can pay {$210.00} bi-weekly till paid in full.
As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.
As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of a lawsuit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid : - Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.
Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets/property by a County Court Bailiff /Sheriff Officer.
If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your SSN. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
The Factual Basis for the complaints are as follows : You accepted to return the funds from this aforementioned pending loan.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, XXXX XXXX is seeking either of the following remedies : - All funds to be returned as per the terms of the initial contract.
Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also, we would like to know when you can pay the requested {$970.00} to settle this case.
To resolve this issue contact us during the working hours Monday to Saturday XXXX XXXX to XXXX XXXX EDT by reply back to this E-mail to get in touch with the representative.
Yours sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020 | | Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 co-operation.
|
| 09/30/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
To whom it may concern, My name is XXXX XXXX XXXX and I am a practicing surgical assist. I specialize in several surgical specialties and work with several key physicians in the XXXX and surrounding areas. I recently paid a visit to the ACE Check Cashing location in XXXX location store # XXXX with the expectation of cashing two payroll checks in the name of my corporation XXXX, XXXX. I was informed that I would need to provide all of my personal and business information for verification of the the business entity. All necessary information was provided with the inclusion of proper identification of my proprietorship of XXXX, XXXX. To my dismay, the total time for the verification of all of my documents took three working days to approve the DBA account with the corporate office and unfortunately 6 days of time away from my regular work schedule. This process included waiting in the lobby on Wednesday ( XX/XX/XXXX ) for over 5 hours, my wife and I to standing in the lobby for over XXXX hours on a Saturday ( XX/XX/XXXX ), and again on Monday ( XX/XX/XXXX ) for at least 4 hours. I would like to express my gratitude to XXXX and XXXX, who worked tirelessly and well into the evening on these visits to provide the information that was requested for verification of the business. These associates spent time calling, emailing, scanning, and faxing all my information in an effort to help reassure that the corporate office had all the required data needed to approve my account. The account was finally set up on Monday ( XX/XX/XXXX ) and I was informed that although a previous approval was attained, now another approval was needed. This was extremely disappointing after standing in the store for hours and after overhearing a young lady from corporate via speakerphone relay the information to XXXX that all information was cleared and verified from a corporate stance. It is my assumption that once the approval was given to XXXX that there was a level of apprehension that was still present due to the fact that one of the checks was over {$7000.00}. After XXXX placed another phone call, the young lady from corporate advised XXXX to call her District Manager to get an approval code to cash the checks. XXXX called her DM to get his approval, but what I was able to hear was the laughing, cracking jokes, and overall unprofessionalism that was displayed by the DM during their discussion regarding the checks. After XXXX sent the DM a copy of the check, he to became apprehensive and stated that he also wanted another verification of the checks from the company which was issued by a national healthcare insurer, XXXX XXXX XXXX XXXX of Texas. When the numbers associated this insurance provider are called, unfortunately all of the lines lead to an automated system and is difficult to attain the assistance of a person.
This process proved to be extremely upsetting and disappointing, especially after the DM stated that he wanted a different verification of the checks. I questioned the need to verify checks that were previously verified and approved by corporate. After speaking to the DM, he questioned the validity and the need for me being paid so much money, questioned my position, my practice, and my ability to have a job which paid this amount? After which time, the DM requested that I send him something in writing that showed him what I actually I do for a living to justify the reason for the Insurance company sending me this type of money? Although I did comply, I must question the need for the provision of additional information after spending over 3 days in this location. During this period of time, I had the ability to observe several customers come in and cash checks with DBA accounts and without subjection to the this type of questioning. I also feel it was demeaning and accusatory, giving the perception that I was a common criminal trying to cash a fake check and defraud the company. If I was trying to defraud your company, why would I stand in your lobby for well over 15 hours in the course of 3 days under security cameras? Why would I provide legitimate information including my name, corporation name, tax number, EIN number, address, phone numbers, and most importantly the social security numbers for both my wife and I? In my years of practice I have dealt with a number of financial institutions with the inclusion of cashing checks with a greater monetary value, but never with the receipt of this degree of blatant disrespect especially from a member of higher management. The sole purpose for the presentation of cashing these checks with ACE was due to providing for the needs of my oldest son who is away at college with immediate needs. This whole process has been extremely disappointing and completely unexpected and definitely not the first experience that I thought that I would experience with this company. In an effort to reassure this type of blatant accusatory action does not happen again, I am forwarding a copy of this letter to your corporate headquarters for Texas XXXX XXXX XXXX, # XXXX XXXX, TX XXXX. Also a copy to XXXX XXXX with the New Mexico Regulation & Licensing Department, XXXX, and to the Texas Department of Banking XXXX Very Disappointed XXXX XXXX XXXX
|
| 03/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
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.
|
| 06/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
THIS LETTER WAS SENT TO ME ON WEDNESDAY XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XXXX XXXX XXXX Cost of the Lawsuit-XXXX Courthouse Address-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ).
Legal Charges-Section 19 ( A ), Clause 21 ( US ).
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention.
We are going to file a lawsuit in next 24 hours at XXXX Civil Court ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.
Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
To resolve this issue ASAP, Kindly emails us immediately.
Thanks & Regards, ACE CASH EXPRESS.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After I agreed to handle this matter outside of court, like any other normal person would want to do on XX/XX/XXXX, They followed up with this EMAIL on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENT INSTRUCTIONS- As a legal department, we are very much sensitive to our client 's security so we don't allow you to reveal your bank & card details over the phone and the Internet by any means to maintain privacy. We suggest you the best payment model for you is a Prepaid Debit card ; we avoid the chargeback and exchange of personal and confidential information.
As per the company policy, the mode of payment would be through XXXX XXXX XXXX because we have an agreement with XXXX XXXX that's why we are allowed to accept this card only because XXXX is associated with XXXX XXXX.
All you have to do is get a XXXX XXXX XXXX ( You need to load the funds {$450.00} XXXX, from one of the stores mentioned below.
You can get the card at these stores nationwide : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX.
Once you clear this debt, we will send you a settlement completion letter stating that your account has been paid in full with XXXX balance which you can keep it for future records.
Note-Please attach you receipt and Image ( front and back ) of the XXXX XXXX XXXX along with this e-mail.
Do not buy a XXXX XXXX XXXX.
Kindly respond back for confirmation.
Thanks & Regards Debt Settlement Division Inc.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today XX/XX/XXXX after not receiving ANY TYPE OF SETTLEMENT LETTER, I decided to look them up on XXXX. Come to find out, it was ALL A SCAM!!!
|
| 07/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
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I just keep getting emails from someone saying that they work for ace check cashing collection. I can not get them to email me back with a phone number for me to call. tryed several times to get them to communicate with me they will not even email me back. here is a copy of the last email i got from them XXXX XXXX XXXX XX/XX/2020, XXXX XXXX ( 1 day ago ) to me Be careful with this message XXXX XXXX has never sent you messages using this email address. Avoid replying to this email unless you reach out to the sender by other means to ensure that this email address is legitimate.
Report phishingLooks safe Dear : XXXX XXXX S.S.N : XXXX This is to notify you that XXXX XXXX is currently in default under its obligations to ACE cash Financial Group Inc. in the amount of {$1000.00}.
I have E-mailed you a legal debt Settlement copy regarding this case file on your name and on your social security number so before your case file gets downloaded inside the courthouse company has given you a last and final chance to take care of this matter outside the courthouse but if it lends inside the courthouse you would lend up in a legal mess and when we checked your status on XXXX XXXX database we found you a genuine person and you don't have any criminal issues in your background so that's the only reason we are trying to help you out. They are also added extra fees to the amount that is owed. I can be contacted back at XXXX ACE cash Financial Group Inc.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, NY. XXXX XXXX, WA. XXXX ( HEAD OFFICE ) ( ACCOUNT OFFICE ) INVOICE NO : XXXX INVOICE To : XXXX XXXX S.S.N : XXXX CASE NUMBER LOAN ACCOUNT WITH PRINCIPAL AMT PENALTY & INTEREST AMT.
RESOLVEMENT AMT XXXX XXXX XXXX XXXX {$400.00} {$690.00} {$1000.00} ONE TIME FULL PAYMENT RESOLVEMENT AMOUNT {$750.00} UNPAID PAYMENT IN 3rd INSTALLMENT EACH OF {$360.00} {$1000.00} TOTAL AMT. LEFT OUT {$1000.00} TOTAL {$1000.00} INVOICE REGARDING OUTSTANDING DEBT TOWARDS ABOVE MENTIONED COMPANY.
ACE cash Financial Group Inc.
MANAGER.
XXXX XXXX PS : If you have any question regarding this account, you can always call us back for further queries.
Page 1.
ACE cash Financial Group Inc.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, XXXX XXXX, XXXX ( HEAD OFFICE ) ( ACCOUNT OFFICE ) CASE FILE NO : # XXXX To, XXXX XXXX, Magistrates Court summons If your payments are not kept up to date following the issue of payment reminders, a Magistrate 's Court summons will be issued for the full amount outstanding and you will lose the right to pay by installments. The issuing of a summons will incur costs of {$55.00} which will be added to your bill. To prevent the issue of a summons, it is important that your reply on our email address XXXX Attending Court If you do not pay the full amount, including costs, shown on the summons before the Court hearing date the matter will be taken to the Magistrates ' Court. You do not need to attend Court unless you dispute liability for the outstanding amount.
At the hearing we will apply for a Liability Order, incurring additional costs of {$35.00}. The Liability Order enables us to recover the debt in a variety of ways.
After the hearing, you will be sent a copy of the Liability Order together with a form asking about your financial circumstances. After considering the information provided, the recovery section will be able to make a final installments arrangement with you. You must keep to any arrangement granted otherwise further recovery action will be taken for the full amount outstanding amount, incurring additional costs.
Page 2.
Check all the file there is every information.
1 ) We will accept 3 Installments of {$360.00} payments every other weekly.
2 ) 2 Installments of {$510.00} payments every other weekly.
3 ) Settlement one-time full payment : {$750.00} Before Friday to close your case file.
I just want your final intention on this case file that do you want to put hold on this case file or should I process it inside the courthouse?
If you have any questions or wish to discuss this matter, please Email the undersigned immediately.
Thank you for your prompt attention to this matter.
Copyright Alert Our intellectual property is our asset and we have the sole rights to utilize it for the benefit of an individual or a social cause. We will be extremely strict in pursuing Copyright violations, third party infringement, scams, or any illegal walk over on our intellectual territory. Legal measures will be taken for one and all that go against this rule. International Standard.
|
| 10/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
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|
Web |
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Hello, my name is XXXX I have been a customer of yours for almost three years now I bank with XXXX XXXX. Normally when I come in the staff is very friendly to me, they dont ever look like they love what they do but they know how to fake it. I just recently visited Ace cash app express on XXXX right next to the XXXX XXXX shop. There was an XXXX XXXX woman there with short hair not very tall XXXX XXXX I dont remember her name, hints as to why Im trying to describe her. Anyway I came in to deposit a personal check into my account & the lady helping me was very rude. She had just gotten off of the phone with someone who didnt speak good English and she was agitated and when she hung up she was speaking out rude things about the customer not speaking English I just laughed it off. She told me that I would be charged a fee for cashing my check which was fine then she told me I would be charged twice. Now I didnt understand why I would be charged to cash a check and then charged again to put money into my own bank account I had just been charged {$5.00} earlier in the day for my monthly charge of having an account with XXXX XXXX. So I tried to explain to her that I didnt understand why I would be charged twice and that it didnt make sense for them to charge me to put money into my own bank account no other bank that I have ever had has charged me twice. I was very nice about this just very concerned it didnt make sense. She did not bother trying to help she just kept saying it does make sense so I got even more agitated because she never explained why it was that I was being charged twice. But I made sure to explain to her that I wasnt upset with her, just the overall situation because in the end Im losing money and it doesnt seem fair, why would I continue to bank with you guys if Im losing money in the end. She just got more upset and started saying well thats just how it is, it does make sense and then she started saying it makes sense because its business now at this point Im really annoyed you work here and you cant even explain to me why its being done your only answer is it makes sense? I explained to her I know that its not her fault I was just voicing my opinion became I wanted to know what the purpose was of me being charged twice and she said I work here and I bank here they charge me too so thats just how it is I told her I understand that I was just trying to get more information but you cant give me any. She says you are giving g an option like o can change something theres nothing I can do I told her I understand you cant chagrin anything but I am a customer with questions you work in customer service you are the only one here but you cant seem to answer my questions and you dont seem to care you arent even being open minded to hearing my questions at all. Then she started saying whatever little girl I dont care whatever I told her you dont get to treat people like that, I look young because of my face but I am not child. I told her I am a XXXX XXXX and when I have a customer with a complaint I dont just get to dismiss what they are saying, even if I cant help them out I am willing to hear them out. Thats the purpose of customer service. In the end it never got resolved she just kept telling me how she didnt care, and its not her problem, theres nothing she can do, and Im not going to do anything about it. then she started telling me she doesnt care because she makes good money. I asked her do you because you dont treat people like you make enough money to love your job I asked a question and you have been rude the entire time. Then she says do you want me to cash the check or not because it doesnt really matter to me. So I give her the number of the person who wrote the check because she needed to verify before depositing it, she says she called twice there was no answer and she wasnt going to cash my check with verifying, so I ended up calling he lady myself while standing in front of her the employee and then all of a sudden. She started being a little nicer and was mysteriously about to get it cashed. I got it deposited and I left. The purpose of this email is to let you know that out of all the times I have come into this specific store in three years I have never been tested like this, Im never rude to anyone and no one is rude to me. This lady was very rude and disrespectful and I believe she needs more training, if she cant answer simple questions and treat people with respect, then she should not work at Ace Cash Express, I dont want to have this problem again.
|
| 10/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
|
|
Web |
|
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I received this email From this address XXXX XXXX XXXX One Time Settlement Amount : {$930.00} CREDITOR - ACE Ace Loan XXXX XXXX.
This Email is to notify you that You are going to be legally prosecuted in the Court House within a couple of days. For non-payment of your debt dues. Which will be criminal prosecution and because of it your SSN is put on hold by the US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with ACE Loan Services. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter.
Your line of credit is over 60 days past due for a loan of {$750.00} provided by one of subsidiary companies under ACE Loan group, and it is not too late to restore your good standing and make Credit better.
The Legal Affidavit States that You monitored online Using Order To Solicited Funds From an Online Website Which is Own and Operated By XXXX XXXX XXXX ( ACE Loan group ). The Funds Were Successfully Transferred Into Your Bank, Utilising an interstate EFT ( That stands for Electronic Funds Transfer ) But at The Time Of repayment When the Clients Attempted To Extract The Funds Back there were 6 EFT 's Returned Constituting Worthless Electronic Check, So As of Now Rather Than Chasing You For Money They Have Simply Decided to write This money as a loss and deemed to be stolen As well as press charges against you in your state under your social security number.
Now this legal affidavit has been taken care by FDCPA Law Fair Debt Collection Practice Act Chapter ( 9 ) Section ( 19 ) This means just two things for you.
1 ) If you are on any state supervised probation on payroll, you will need to top contact the officer about this case and make them aware of this case.
2 ) If You have any prior Conviction Including But Not Limited To Worthless Cheques, Grand Theft, or Money Laundering Please Make it a note that the attorney general of your state would handle this case as that of a habitual offender, as your state is a strictly zero-tolerance state.
And once you are found guilty in the courthouse then you have to bear the entire cost for this lawsuit {$4200.00} which is excluding the loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you don't have one or if you can't afford then one will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department through Email between XXXX to XXXX ( EST ).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH EMAIL BETWEEN WORKING HOURS AND SETTLE THIS MATTER.
As I am sure you are aware, if this matter goes to suit, all court costs, process server 's fees, sheriff 's fees, attorney fees were permitted, and other post-judgment costs will be added to the amount that you already own.
You can avoid the unnecessary inconvenience and added expenses of a lawsuit by making immediate payment to us.
Note : This notice is provided to you on behalf of ACE Ace Loan Online. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( Hereafter collectively referred to as the Cash Advance Related Companies, we, our, or us ). The Cash Advance Related Companies include, but are not limited to : Cash Advance, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names 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 XXXX XXXX XXXXXXXX, or any company-owned Mr . XXXX locations. You or you're means you as a participant in or as a user of the products and/or services offered by a XXXX XXXX XXXX XXXX XXXX
|
| 09/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been getting frequent calls from this company. They left a voice message saying it was important to call them back because it was time sensitive. I called back and the woman that answered the phone gave only her name and that the call was being recorded. I advised I had a missed call from them and was calling back. She asked if I was calling from the number they called. I advised that I was. She said she was going to try to locate the account. She then said it looks like they were looking for XXXX XXXX is that me. I said yes. She then asked if the last four of my social was XXXX. I answered yes. I would jut like to note that anyone could have said yes and not been me, because she provided me with this information. I then asked who she was. She said she was with XXXX XXXX and they were a debt collection agency. She did not give me the mini Miranda. She did not advise that this was an attempt to collect a debt and any information obtained would be used for that purpose. She did not state if she was a debt collector or an attorney, yet she mentioned moving forward with legal action. As a previous recent debt collector for a debt collection law firm, I immediately recognized the error. I can recite it in my sleep. She told me it was for an Ace Payday loan from 2014. I immediately informed her that I did not have an Ace payday loan in 2014. She then argued that someone was making payments on the account using a XXXX XXXX bank account and gave the last four numbers of that account. She never gave me the account number for original account or for their office. I responded that I did not have a XXXX XXXX bank account in 2014. She said again that payments were being made on this. I advised It was not my account. She stated that they would move forward with legal action against me, trying to scare me. I advised that we both know that I had not been served. She said something along the lines of, not yet. She never verified my address. She stated that she would send me validation. I asked for their address. My intention was to submit a dispute in writing and to report their violations. She said that she needed to locate my local address because she was calling from XXXX Texas. I said okay. I was on a long hold. When the hold music stopped there was another party that came on the line. He stated his name and that he was a compliance manager. He asked if I was disputing. I advised that I was. I advised that she never verified my address and that she provided me with the last four of my social that I never gave it to her. He responded with they are not required to verify my address. He would be correct in that statement as they could also use my date of birth. However, how can they send me validation of debt as requested if no one verified my address. I responded with I also never received the required FDCPA letter advising me that the account was placed in their office. He agreed that they are required to send me the letter but said nothing to indicate it was even sent. I advised him that I was not given the mini Miranda and that there were multiple violations made on the call. I advised that she was supposed to be getting me the address. I asked how they were going to address these violations. He responded with they are not going to give me the address. I advised that they were required to do so. He started arguing that they were not and if I had any questions I could go to their website and listed it off very quickly without spelling out the name. I stated that it sounded like I was going to need to seek out an attorney and he hung up on me. I called back to let them know I did not want any further communication from them other than the dispute information that I requested. The same male answered the phone. I advised him it was rude of him to hang up on me. I gave my name and my phone number as I was not given an account number to reference. I advised that I was putting them on notice because I felt harassed by them and that I still wanted those documents I requested in regards to the dispute. He responded by hanging up on me for the second time. I gave them an opportunity to address my concerns about the violations on the call, but they thought it was better to change the subject and hang up on me.
|
| 09/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Pursuant to complaint number XXXX - XXXX - On Friday XX/XX/XXXX I received a phone call today from XXXX a woman stated she was a locator service provider who was paid to serve me claim papers for fraud ... She told me to call this number XXXX which I was told is a claims office and she provided me with this claim number : XXXX ... I called the number provided and I spoke to XXXX XXXX who refused to provide me an address for this Claims Office ... I never received any written correspondence prior to these phone calls that day. This is an abusive act of fraud that XXXX XXXX XXXX XXXX employed that day to coerce me to pay on a loan I can not afford to repay ... I cite XXXX Response to my previous compliant here : After reviewing the following account and complaint we have determined that writing off the debt will most assist Ms. XXXX. We empathize with Ms. XXXX 's hardship during these difficult times. We are receptive to helping Ms. XXXX as we understand her physical XXXX also makes it difficult to repay her debt. We understand that she has had obstacles in making arrangements on multiple occasions and has complaints toward the lender as well. As a courtesy, we are going to write off the debt for Ms. XXXX in order to assist her and update her account as paid in full with a {$0.00} balance.
I also cite Ace Cash Expresses response to complaint number : XXXX Dear Ms. XXXX : Populus Financial Group , Inc. d/b/a ACE Cash Express ( ACE ) received a copy of the complaint you filed with the Consumer Financial Protection Bureau. Based on the information provided in your complaint, our research shows you originated a loan on XX/XX/XXXX. Your XX/XX/XXXX payment returned, and your account went into default. On XX/XX/XXXX, after ACE collection activities did not result in payment or payment arrangements on the outstanding balance, your account was sold to XXXX XXXX XXXX XXXX XXXX ) with a balance of {$840.00} at the time of sale.
Closed with explanation g ( ) $ ACE ceased all collection activity in connection with your account when it was sold to XXXX. Any collection activity following the sale of your account was not conducted by ACE representatives or on ACEs behalf. We have addressed this issue with the debt buyer. If you would like additional information, please contact the debt buyer directly at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Sincerely, Senior Compliance Manager ACE Cash Express Ace Cash Express Online Installment Loans XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Loan # : XXXX Originated on XX/XX/XXXX Original Loan Amount was {$500.00} Payment made on XX/XX/XXXX in the amount of {$210.00} Amount owed as of Monday XX/XX/XXXX is : {$840.00} Total repayment amount was : {$1000.00} - Ace Cash Express sold this loan to XXXX or XXXX XXXX XXXX On Friday XX/XX/XXXX I received a phone call today from XXXX a woman stated she was a locator service provider who was paid to serve me claim papers ... She told me to call this number XXXX which I was told is a claims office and she provided me with this claim number : XXXX ... I called the number provided and I spoke to XXXX XXXX who refused to provide me an address for this Claims Office ... I never received any written correspondence prior to these phone calls that day ...
Ace Cash Express at Corporate told me they sold my loan to XXXX XXXX XXXX that my account is restricted and Ace Cash Express refused to accept my modest payment ... Until I can get on a better payment plan ... I was given the phone number for XXXX XXXX XXXX at XXXX who refused to accept my bank card details and small payment to show I am not a fraud ... I was then told to contact this claims office where I spoke to a XXXX XXXX who refused to provide me their Claims Office address ... That phone number where I spoke to XXXX XXXX is XXXX the claim number I was given is : XXXX XXXX XXXX XXXX refused to look up my loan under the loan number I was instructed to provide them by Ace Cash Express which is : XXXX ... That process was very frustrating and upsetting for me which is why I am mentioning this experience as part of my bankruptcy list of debts ...
|
| 07/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
On XX/XX/XXXX, I was contacted by XXXX. They claim to be a mediation department working on behalf of XXXX XXXX XXXX. However, they will claim to be mediating on behalf of Ace Cash Express, which is not accurate. XXXX XXXX XXXX is a debt buyer who, according to XXXX, frequently buys Ace debt. I spoke to two women named Ms. XXXX and Ms. XXXX. They do not provide first names. They indicated that in XX/XX/XXXX, I took out a payday loan with Ace Cash Express and never repaid the loan. I did not remember taking out the debt, which I stated clearly a few times. When I said this, both women immediately turned to fraud, stating that if I did not take it out, I must be alleging that someone defrauded me. That was not my statement. Ms. XXXX refused to provide written notice of the debt or documents, as she stated that now that we were in mediation, it was too late for that. Both Ms. XXXX and Ms. XXXX stated that they were going to move to go against my social security number claiming " malicious intent to defraud a financial institution. '' She stated that they had already accessed my credit report and wanted to know if I keep track of my credit. She stated that this debt would be placed on my credit report for collection. She also stated that this information would be reported to XXXX and that an Early Warning Signal would be added to my SSN for fraud, which would result in my bank being legally allowed to close my account. I would be unable to get a bank account, among other things. She also stated that her recommendations would be to do whatever they could against me to the fullest extent of the law in Texas. Neither of the women explained why they were contacting me, as they said multiple times that they were not a collection agency. They were mediation department. When I challenged what she was saying, Ms. XXXX indicated that that she had decided within five minutes of our conversation not to help me and listed the above consequences as a result of my attitude. She strongly insinuated that her unwillingness to assist was due to her disliking me personally, but then later claimed that it was because I said that the debt was not mine, which was also never said. I only indicated that I did not remember taking it out. She said she would give me one day to contact Ace Cash Express to figure things out and then ended the call.
The next day, I contacted Ace Cash Express to find out what was going on. I found that in XX/XX/XXXX, I had taken out the loan. That year, I had worked with a debt consolidation company who reportedly made at least $ 500+ in payments on my behalf. This means that Ace would have had to agreed to a settlement amount for them to accept payments from the consolidation company. At some point, Ace attempted to take money out of my account and the payments were returned several times. Neither Ace or XXXX can give me information as to when this happened. They decided to add at least {$400.00} in fees to my account, if not more as a result of this. When I went to their website to find the loan documents or account information, their website prompts me to resolve my debt, but does not allow me to access any documents. This also means that Ace is attempting to collect a debt that they admit that they sold. I contacted the CFPB, who stated that what these companies were doing was illegal and predatory.
The next day, XXXX called me and I attempted to speak to Ms. XXXX regarding what I found out from Ace. When I said that I spoke to them about my loan, her immediate response was, " Oh you mean the one that isn't yours? '' When i asked her to repeat herself, she said, " The loan you never took out, right? '' I asked why she was being so condescending and rude, and she said that we had gone " around the United States '' in circles and she did not know what I wanted. I wanted to explain about the debt consolidation company, but she continued to talk over me and was very loud. Eventually, she said that she was ending the call, said XXXX bless you and then something about how she hopes that I can be more financially responsible in the future. Ms. XXXX then hung up on me.
|
| 01/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
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On XX/XX/XXXX I received a voicemail from XXXX XXXX at XXXX XXXX XXXX XXXX. She stated that I had until XXXX EST for representing counsel or myself to provide a statement of intent or they would proceed with further action in XXXX County.She left a call back number of XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I received 5 back to back phone calls from XXXX to XXXX. On one of the phone calls a voicemail was received. The message was from XXXX XXXX at XXXX XXXX XXXX XXXX. The voicemail said they were contacting me to give me a final notification and I had until XXXX EST or they would proceed with further action in XXXX County. She requested a statement of intent from me or my representing counsel. It said I was officially notified and left a call back number of XXXX XXXX XXXX XXXX.
I didn't call back that day.
On XX/XX/XXXX my brother called and said he received a call from XXXX XXXX XXXX XXXX and he forwarded me the number via text message. I returned the call that afternoon and spoke to a XXXX XXXX who said that XXXX XXXX was not available. I gave him the " case '' number that was left in my voicemail and he asked the nature of the call. He tells me that they are collecting on behalf of Ace Cash Express and that I had committed fraud. He said they had tried contacting my grandmother ( who has been XXXX since XX/XX/XXXX ) and my friend as well. He said that I was in violation of Texas Penal Code 32.41. I asked for proof of what he was referring to and he sent me an email with the contract. I asked him for the amount owed, who I was paying to and his license number to collect in the state of Texas and he said he didn't know the license number and referred me to his corporate office at XXXX XXXX XXXX. I told him that his threatening collection practices were not legal and that he needed to be licensed to collect in Texas. He said that he could send me verification of the debt by mail but as of this date I have not received anything.
On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX saying that he received the court summons regarding the charges and claim filed against me from the XXXX XXXX XXXX XXXX XXXX. He said he needed to verify my home address or they would be forced to serve me at my place of employment. He then gave me the phone number to contact the " filing party '' at XXXX XXXX XXXX and then provided the " case number '' again.
I returned the call on XX/XX/XXXX and spoke to XXXX XXXX and I asked her what actions they were referring to. She stated there were two charges being filed. I asked if they were civil or criminal and she stated one was civil and one was criminal. I told her that she could not threaten criminal services to collect on a debt. She wished me good luck in court and ended the call.
I called back to speak to her and find out who owned the debt and I spoke to XXXX XXXX who told me she was on another call. He again advised me that I was in violation of Texas Penal Code 32.41 and he proceeds to read it to me.I told him that he could not threaten me to get me to pay a debt. I asked if I needed to pay today who I would be paying and if he could provide the license number and he again refers me to XXXX XXXX XXXX. I end the call with him.
I called to XXXX XXXX XXXX and they advised me that I do have an account in collections with them. I provided the young lady answering the phone with the information received from the voicemails and phone calls from XXXX XXXX XXXX XXXX. She transfers me to a manager. The name of the manager I spoke to was XXXX, she did not provide a last name. I told her also about the various calls and voicemails with XXXX XXXX XXXX XXXX and she advised me that XXXX XXXX XXXX XXXX is a third party collecting on behalf of XXXX XXXX XXXX and that the practices they were using to collect the debt did not reflect the practices of XXXX XXXX XXXX and that the account would be pulled back from them. She then asked me what I intended to do in regards to the account and I advised her that I was unsure how to proceed since I had been threatened with a lawsuit and criminal charges.
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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They charge to me force to pay and I never Sign UP for this this Company Even own Money Also several Times did this Not First time but im making a compliant its because abusing using my social Security without consent Well it has been mention in the clause 5 ( A ) of Collections that the company wont provide you any paperwork also while applying for loan, company hasnt requested any paper work form your side.
This is that information which you have used while taking the loan. You went on-line and applied for the loan from one of our website and got approved and the loan was taken out under your Name and SSN & all the legal consequences will filed against you.
This is an on-line process. The company won't provide any black or white. If you have not applied any loan then how we get all info about yours. While applying for this loan company hasnt requested any document from your side and also it is clearly mentioned on the agreement, at the time of recollection of money from your side, company will not show you any kind of document as these are the main evidence for the company. However if you are requesting it we can simply forward for the legal consequences. Soon you will received the court summons at your door step and there after we are not able to help you out.
This is your last and final chance to settle this case. If you don't take it seriously we have to take hard steps against you.
Note : - Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with zero balance and the your case file is closed permanently.
Thank You.
We are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80 parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account.
We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Do reply ASAP.
Yours sincerely, ACE CASH EXPRESS.
XXXX XXXX XXXX Last Date to file XXXX.
We are going to file a lawsuit in next 24 hours at United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.
Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}.
Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries.
Thank you, ACE CASH EXPRESS.
I have Not Sign UP for this changing me in my account use my social Security to Sign application without my concent
|
| 06/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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|
Web |
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I took out a payday loan a couple of years ago due to unemployment and I 've experienced a lot of life changes over the past two years. I had a baby on XXXX XXXX , XXXX and I work XXXX XXXX as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I do n't make a lot of money and reached out to Ace with an offer of what I could pay and they sent me this email .... CREDITOR : ACE Cash Services CASE NO : XXXX AMOUNT OUTSTANDING : {$970.00} This Legal Proceedings issued on your Docket Number XXXX with one of XXXX XXXX XXXX XXXX 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 XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XXXX , XXXX but you failed to respond on time now its high time if you failed to respond in next 12 HOURS so we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict against you. Your salary and all your wages will be garnished. Do revert back if you want to get rid of these legal consequences so make a payment today or else we would be proceeding legally against you and we apologies that this notification will also sent to your current employer. 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 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 law suit will be the next step which will be amounting to {$7400.00} and it 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 paper work to you r local county s heriff department and you will be served by court summons at your door step. 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. Dear debtor, as we were investigating your profile credit burea u & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$970.00} to settle this case. To resolve this issue contact us during the working hours Monday to Saturday XXXX XXXX to XXXX XXXX EDT reply back to this E-mail to get in touch with the representative. Yours sincer ely Collections & Legal Department XXXX XXXX XXXX | | Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privac y 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, re transmission, dis semination 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 co-operation.
|
| 08/09/2016 |
Yes |
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- Charged fees or interest I didn't expect
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|
Web |
Servicemember |
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Around XXXX/XXXX/XXXX I took out a loan from Ace Cash Express in the amount of XXXX with intentions of paying it off in full on my following payday of XXXX/XXXX/XXXX.
On XXXX my account was hacked into so I called Ace Cash Express on XX/XX/XXXX to provide a different bank account to pay the loan off. I spoke with someone by the name of XXXX who stated Ace 's policies would not allow me to pay from another bank account. I would have to go to a local store and make my payment there instead. She also stated I should put a stop payment on the fee that was scheduled to be deducted before I could make the payment at the physical store. I did this.
This was where the runaround began and they 'seized ' an opportunity to delay my paying off the debt so that I could owe more fees.
XXXX said I should go to the Ace Cash Express on XXXX XXXX in XXXX and pay {$1200.00} to pay off the debt. Getting there, the representatives at this location knew nothing of my situation at all and they quoted an amount of XXXX. Which is way more than I borrowed plus fees combined. I left there and called and Ace again and asked to speak to a manager who then directed me to another location at XXXX on the following Saturday and stated that my payments would have to be split into XXXX due when I pay at a local store. Her instructions were for me to make an initial payment of {$1000.00} at the store then wait 3 days and come back to pay the remaining {$270.00} which would total the original {$1200.00} payoff amount given to me by XXXX.
I went on Saturday to the specified location and again, the representatives knew nothing about the arrangement and even quoted a different amount.
By this time I suspected all of these delays were deliberate so I called Ace again on XX/XX/XXXX and this time I was given a different 'Supervisor ' by the name of XXXX . She stated I could mail in my money order for {$1000.00} since I was having trouble paying at the stores and send the remaining {$270.00} by XX/XX/XXXX since I 'd already had an agreement to pay XXXX. This was also due to my account being frozen and the difficulty involved going back to withdraw additional funds. So on XX/XX/XXXX I purchased a money order for XXXX and mailed it to the address I was given. I called Ace after doing so to let them know the payment was in route and also to confirm my remaining balance of {$270.00} and let them know when I would be mailing it off as well. I got someone named XXXX on the phone who said my remaining balance was over {$500.00}. I was livid. I told her the entire history of the account, what I was told was due and everything. From this point on the runaround was horrible. Whenever I called I was always placed on hold for over an hour and when I did speak to someone they refused to acknowledge the payment they had already received. They gave me a different balance each time. Finally I told them never to call me again and that I would be sending the XXXX money order that I was originally quoted and Ace Cash Expres would not receive any additional money from me. I did n't understand why I had to split my payments that way anyway when on my first phone call I was prepared to pay it off in full.
So on XXXX/XXXX/XXXX I did exactly as requested and purchased a money order for XXXX. I did n't mail it off until XX/XX/XXXX because I kept trying to reach someone in a position of authority to acknowledge the payment amount before I would send it.
For months I did n't hear from them anymore but yesterday I received a letter from a collection agency by the name of XXXX XXXX XXXX asking for a payment of XXXX on behalf of Ace Cash Express. This is now harassment. They can not give me an amount then after I pay it ask for more money. I am seeking legal advise and plan to file a lawsuit. This harassment is out of control. It is now XXXX and they are harassing me for money I
|
| 09/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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|
Web |
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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
|
| 01/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
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I received XXXX phone calls yesterday from a supposed " litigation firm '' threatening me with check garnishment. I hung up on the first call because this supposed " litigation specialist '' did NOT read the debt collecting disclosure " I need to let you know that this is an attempt to collect, and any information will be used to collect on this debt .... '' etc. They called me back immediately with the same nonsense- talking over me, not listening to me when I told them that they are required to show me proof of this debt, that I wanted a letter and statement with my account number delivered by certified mail, etc.
The first call was at XXXX XXXX and lasted 4 minutes ; the XXXX call came at XXXX XXXX and lasted for 5 minutes. These people will absolutely edit or shorten recorded calls to prove that they were n't making threats and were n't being unprofessional. If they want anyone to listen to their calls to prove they 're not acting like lunatics, please pay attention the duration of the phone calls.
I asked both the " litigation specialist/debt collector '' and the supervisor for specific information, including the account number of the debt they 're saying I owe, the breakdown of the balance, the name of their company, where they 're located, their website address. ( The first caller also told me that it 's not a debt collection agency and that the debt was getting ready for garnishment. The debt they 're saying I owe is $ 185'ish ). Re : the website. The man first said that their website was under construction ; I asked to see it anyway. He began threatening me and taunting me with garnishment, asking me why I was arguing over them not having a website and named off people that I have listed as references in the past. I mean, come on- anyone can XXXX names of people and see who they 're connected to online, and the ages/cities, etc., of these people ). I had asked for a supervisor after I could n't get a legit physical address or website. He then transferred me to someone equally ridiculous. The supervisor gave me this website below : http : //apirecoverysolutions.com/ As you 'll see, it 's a XXXX website. I 'm thinking that any litigation firm that wants to be taken seriously will pay for a website NOT powered by XXXX. If you XXXX XXXX XXXX XXXX, you 'll see a litany of ripoff reports/scam alerts. They said on the phone they are called XXXX, XXXX and XXXX, but the website does n't list these names at all.
I would n't give a dime to these people, even if this debt was sent to them by the payday loan provider ( which I honestly doubt is legit because payday loans- I do n't do them anymore- are debited from your checking account through your debit card number by the due date- I can not stop it. ) I know that it 's on them to provide valid, official and detailed proof of the debt, and they refuse to do that. They offered me a letter to my email address and I declined. I told them it needed to be certified mailed to my physical address.
I called them TODAY to get a physical address and some names ; the woman who answered would n't give me her name, but when I asked what the XXXX in the business name stands for, she said " XXXX, XXXX and XXXX. '' I told her that I 've been told XXXX, not XXXX. She then transferred me to the administrative assistant. This XXXX began speaking over me and would n't let me talk at all.
The phone number on their website is XXXX. They 've also called me from XXXX. When you call the XXXX number, nobody ever answers and there is no greeting with the business name. I got someone on the phone today at the XXXX number above.
The physical address I was given is this : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX NY XXXX These people have my personal information ( the XXXX told me this ) I 'm concerned and am going to be contacting the credit bureaus about this.
|
| 10/20/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
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This is my second report against Ace Cash XXXX. Ace has sent my information to multiple agencies and each agency harasses my family members, even after asking them to not do so. According to the new agency who is contacting me, I am being taken to collections for an unpaid debt that they say is outstanding from 2013, which they have stated that I have accrued interest on this debt and continue to do so daily. Since Ace Cash XXXX does all transactions via cash currency, there is no way for me to obtain any transactions of my own, only what would be offered to me through the collection agency or Ace themselves, which so far upon request I have not received. I have been asked to provide a credit or debit card as promissory to repay the debt, although I am not sure that the debt is valid.
In 2013 I did use the service of Ace Cash as temporary relief, however, Ace Cash encourages borrowers to 'renew ' their loan until they reach the 3rd loan so that smaller payments may be made to repay the debt. By doing this, the borrower pays the original loan, plus the charges for that loan, and immediately takes a new loan. Again, at the time the new loan is to be paid, the borrower is encouraged to do the same, pay the loan amount and the charges for the loan, and immediately take another loan. At this point, you are really only extending a loan, but the lender is actually increasing the charges of this loan by forcing you to take a new loan. So on the 3rd loan, you are now paying the charges for all XXXX loans when in actuality you have really only received funds from the lender once. Instead of offering a longer term, the lender offered additional loans, implying that it would allow a more flexible payment option.
This brings me to my original complaint. Due to the number of transactions a borrower is met with, and all transactions being done in cash only, I am not confident that there is an outstanding debt. I believe my terms had been met in 2013, in addition to additional funds being paid through this questionable practice of Ace Cash. This business has given my information to multiple agencies, and I feel my personal information has been compromised. The agencies that now have my information harass my family members multiple times and put a strain on our relationships, even after they are asked not to contact them. They ask for credit card information, they state my social security number over the phone to people other than myself, and they are often rude to everyone they contact. They even suggested that I 'borrow ' money to pay this debt!
I do not believe there is any remaining debt, I am confident that the loan was resolved within the first XXXX transactions, and that their practice of suggesting additional loans is a false statement, when in fact you are only extending the loan, but they are adding charges by calling it a 'new ' loan. These lenders cause great financial strain for families, and they continue to do so by selling your information to other businesses similar to theirs, or what they consider 'debt collectors '. People go to places that offer temporary relief to a situation, only to find out that they have greatly increased their financial difficulties. When a family believes they have finally overcome those difficulties, the lenders begin another cycle. As I stated, it was suggested that I 'borrow ' money to pay a debt that I do not believe to be valid. It was also suggested that 'I have no intentions of paying my debts ', and that 'no, I was not going to be allowed to speak '.
Ace Cash is causing hardship for my family, I wish I had never stepped foot into their location. The people they have given my personal information to have no regard for other people, and they threaten me with additional charges if I do not resolve the matter today.
|
| 02/22/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Some years ago, I took out a payday loan. Because I close the bank account due to fraud. I did n't hear from them for years until recently they are threatening to sue me. Heres the email LAWSUIT COURT CASE FILE NO : XXXX - XXXX Court House Address- -XXXX , NY XXXX.
Lawsuit Cost - {$4500.00} ( Including Attorney Fee/Court Fee/All Taxes ) Last Date to File Lawsuit - XX/XX/2017.
Attorney Name- XXXX XXXX ( Sr. Attorney in New York Courthouse ) .
Case Type- Fraudulent Case ( FC/SC ) Total Amount - {$930.00}.
Settlement Amount - {$570.00}.
Signed Agreement - Yes.
Dear Debtor, We are going to file a lawsuit in next 24 hours at XXXX, NY XXXX against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute.
NOTE- We are in a process to inform the Social Security Administration & Major Credit Bureaus as well.
NOTE : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take an immediate action you.
AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets/property by a County Court Bailiff or Sheriff Officer Attachment of Earnings Base ( Earnings Arrestment ). Deduction from your wages by your employer or Arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement, the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, XXXX is seeking either of the following remedies : - All funds to be returned as per terms of initial contract NOTE 1 : If we do n't receive any response from your side today, your case file will be downloaded automatically against you. After that, we are unable to help you and you will receive court summons at your door steps with the cost of the lawsuit around {$4500.00}.
NOTE 2 : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
NOTE 3 : Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with XXXX balance and your case file is closed.
This is our last warning to you ; kindly update us ASAP so that we can proceed.
Do update us with your intention that you want to resolve this case or you want to dispute.
If you do n't take this matter seriously then we will have no options rather than file case against you for the lawsuit cost of {$4500.00} in the courthouse.
* If you will pay {$490.00} on Today then we will close this case outside the courthouse with this amount only.
Kindly Co-operate with us so that we can close this case file outside the courthouse ASAP. Once this case file is downloaded we wo n't able to help you out.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours Sincerely, ( Collections & Legal Department ) XXXX XXXX ( C ) XX/XX/2017 | | Terms of Use | Careers | Complaints | Privacy Policy -- -- -Confidentiality Statement &
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| 06/22/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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Received the following email!
FINAL NOTICE FOR LEGAL ACTION ( Fair Debt Collection Act-811 [ 15 USC 1692i ] ) Loan Company XXXX XXXX XXXX.
Legal Charges -Section 19 ( A ), Clause 21 ( US ) DUE AMOUNT : {$980.00} We have sent you this warning notification about proceeding on XX/XX/XXXX, but you failed to respond on time now it's 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/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means a few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
Through IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income pay-checks will be put on hold.
Our primary job was to notify you about the case before we send you a legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you the last chance to resolve this case out of court.
If you want to take care of this out of court then contact us with payment within 48 hours and we will release the Clearance Certificate from the court.
Our intention is not to threaten you, it is only an effort from our-side to settle this case outside the court.
IF YOU WANT TO RESOLVE THIS MATTER ; DO REVERT US ASAP.
ACE XXXX XXXX LEGAL GROUP OF ATTORNEYS Copyright XXXX ACE | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This E-mail and any of its attachments may contain ACE XXXX XXXX proprietary information, which is privileged, confidential, or subject to copyright belonging to ACE XXXX XXXX. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this e-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this e-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. From " XXXX ''
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| 06/27/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I took out a pay day loan around XX/XX/XXXX from Ace Check cashing loan. I did not pay it back in the time I was supposed to. Sometime later I kept asking Ace about the debt I owed and they gave me a number to call. I called the number and they said they did n't have anything for me. Around XX/XX/XXXX I opened a bank account with my bank at the time of the payday loan. They said I owed them the money for the payday loan so I paid them back. A couple months ago I tried to get a loan from my bank and they said my credit score was too low so they offered to heal my credit. He looked up one of my credit reports and said I had a delinquent account. I was surprised as I thought I was paying off everything. He said the debt was with a company called XXXX XXXX XXXX. I tried to find a way to contact this name. I found nothing. I let the banker know about this and he emailed me back saying he found a number. I called the number and the man was very rude and unprofessional. I felt like it was a scam and I told him so and I was very wary of giving him my social security number. Unfortunately I did n't record the conversation. Sometime later I got a call from XXXX XXXX, it was pretty early and I do n't remember exactly what he said. I remember telling him that I could n't pay the amount right that second because I have rent coming up. He wanted me to pay the whole amount immediately. I asked for a settlement and he gave me one but still wanted some of the money right away. I told him I would talk to my dad and get it to him in the next week or something like that. He got my email address and sent me an email with a settlement attatched. I put the amount I thought I owed in my budget. The email gave me about tow months to pay the amount off and a specific date by which to pay part of what I thought I owed. He called me a couple weeks later and was pretty vague about why he was calling. I said I do n't owe the partial payment until later in the month, like the XXXX or something and the rest of the settlement is due by XXXX XXXX. I said I 'm driving through a canyon so I 'm about to lose service and then the call was lost and my phone said call failed. He called me again, a week before the payment was due and this time was very rude saying the payment should have been paid already and something about calling me on XXXX XXXX. I did n't have any paperwork with the dates he had given me so I just said you told me the payment was n't due till later. He continued to speak to me loudly and rudely, so I asked to speak with his supervisor. Another guy got on the phone and also said nothing about this being an attempt to collect a debt. I put him on speaker and my dad was there listening for only part of it. I told him I did n't think this was a legit company and that they spelled my name wrong on the email. He also insisted on saying I owed the money now and that the settlement was basically just a favor and was something they were n't required to offer me. He was very rude and I hung up the phone. He sent me an email saying he did n't think I was being harassed. He said he listened to the conversation that was recorded. I hope all my conversations were recorded. He said maybe I was confused because the settlement I had previously received was written wrong. he attatched a new settlement with my first name spelled correctly and my last name added this time. They still have an incorrect address for me and I have not been asked for my address at all at any point. I have not received any thing by mail. I want to pay off all my debt. I want to find out if I owe this debt. I called Ace check cashing today and their collection office has nothing for me.
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| 01/21/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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- Problem with customer service
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Web |
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ON XXXX THE XXXX XXXX I WENT IN TO THE ACE CHECK CASHING LOCATED IN XXXX IN XXXX, CA. TO DEPOSIT A MONEY ORDER SENT TO ME. iT WAS A XXXX. MONEY ORDER OF {$1000.00} THE CLERKS ON DUTY KNOW ME SINCE I HAVE HAD AN ACCOUNT WITH THEM FOR 5YRS. THE FIRST QUESTION ASKED WAS UP TO DATE PHONE NUMBER. i GAVE IT TO HER AND THEN SHE PROCEEDED TO CALL IN TO CHECK IF THE MONEY ORDER WAS REAL OR FAKE. I PATIENTLY STOOD THERE LISTENING. EVERY QUESTION THEY ASKED SHE RESPONDED AND EVERYTHING ON THE MONEY ORDER SEEMED TO BE OK. THEY TOLD HER THEY COULD NOT TELL HER IF IT IS REAL OR FAKE THEY COULD ONLY VERIFY THE NUMBERS AND AMOUNT.
THE CLERK WAS NOT HAPPY WITH THAT ANSWER SO SHE SAID SHE WASNT GOING TO GIVE ME BACK MY MONEY ORDER UNTIL SHE SPOKE TO HER SUPERVISOR. i ASKED WHY SHE SAID SHE FELT IT WAS FAKE.. I ASKED HER TO PLEASE GIVE IT TO ME AND I WILL GO TO POST OFFICE LOCATED IN XXXX AND HAVE THEM CASH IT FOR ME. SHE THEN SAID THE PERSON ON THE PHONE TOLD HER TO KEEP IT NOT TO GIVE IT TO ME. i KNOW SHE WAS LYING BECAUSE I WAS THERE WHILE SHE SPOKE TO THEM I HEARD EVERYTHING SAID. SO I SAID OK KEEP IT ITS GON NA BE NEW YEARS I WILL COME BACK IN 4DAYS IF YOU HAVE ANY QUESTIONS YOU HAVE MY NUMBER PLEASE CALL ME. SHE SAID SHE WOULD RIGHT AFTER SHE SPOKE TO HER SUPERVISOR. I AGAIN ASKED HER TO PLEASE CALL ME PLEASE. I RETURNED HOME AND CALLED THE USPS AND ASKED ABOUT THE MONEY ORDER TO VERIFY ALL THAT THE CLERK HAD SAID. THEY EXPLAINED TO ME THAT THEY CAN NOT TELL HER IF IT WAS REAL OR FAKE THEY DIDNT HAVE THE MONEY ORDER IN FRONT OF THEM TO CHECK IT AND THAT THEY DO NOT TELL THE CLERKS TO KEEP OUR MONEY ORDERS. THAT IS THEIR DECISION ACCORDING TO THEIR POLICY. I VERIFIED THE INFORMATION ON THE MONEY ORDER AND EVERYTHING WAS GOOD.
SO I CALLED ACE CHECK CASHING AND ASKED THE CLERK WHY SHE KEPT MY MONEY ORDER IF THEY DID NOT SAY THAT. THAT SHE SHOULD OF GIVEN IT TO ME BECAUSE THEY NEVER SAID IT WAS FAKE. SHE SAID GO PICK IT UP IF I WANT BUT THEY WILL NOT CASH IT. I SAID OK. BUT THEY WERE ALREADY CLOSING SO I SAID I WILL BE IN MONDAY THINKING THEY ARE CLOSED SUNDAYS.
i HAD TO WORK MONDAY SO I WENT IN TUESDAY AND ASK THE CLERK FOR MY MONEY ORDER. SHE RESPONDED THAT IT WAS SHREDDED. I ASKED WHY SHE RESPONDED THAT IT IS THEIR POLICY TO SHRED EVERYTHING AFTER TWO DAYS. SHE NEVER TOLD ME THAT. AND SHE NEVER CALLED ME TO TELL ME SHE WAS GOING TO SHRED IT. I ASKED HER WHAT HER SUPERVISOR HAD SAID AND DID SHE SAY FOR THEM TO SHRED MY PROPERTY. HER SUPERVISOR DIDNT SEE IT BECAUSE SHE HAD SHREDED IT BEFORE SHE SEEN HER SUPERVISOR. SHE SAID SHE FELT IT WAS FAKE SO SHE SHREDDED IT.
NOW I AM LEFT WITH NO MONEY ORDER AND OUT {$1000.00} THAT WAS PAID TO ME FOR MY CAR. I ASKED THEM WHAT WAS I GON NA DO NOW HOW CAN I GET THE MONEY NOW. THEY SAID THEY DONT KNOW BUT THEY FELT IT WAS FAKE.
I SPOKE TO WHOM SENT ME THE MONEY ORDER AND THEY TOLD ME WHERE IT WAS PURCHASED AND I CALLED THE POST OFFICE WHERE IT WAS PURCHASED IN XXXX AND THEY ALSO VERIFIED TO ME THAT THE MONEY ORDER WAS NOT FAKE IT WAS REAL AND THEY DONT UNDERSTAND WHY IT WAS SHREDDED WHEN THE CLERKS AT ACE CHECK CASHING ARE NOT TRAINED TO IDENTIFY AND OR QUALIFIED TO MAKE A DECISION IF OR IF NOT THE MONEY ORDER WAS REAL AND SHRED THE PROPERTY OF A CUSTOMER WITHOUT NOTIFYING THEM..
MY QUESTION IS WHERE DOES IT SAY THAT THEY HAD THE RIGHT TO SHRED MY MONEY ORDER WITHOUT LETTING ME KNOW? AND WHERE OR WHO IS GON NA PAY ME MY {$1000.00}.?
I HAVE SENT 3 EMAILS TO ACE ELITE CUSTOMER SERVICE ON LINE AND HAVE HAD NO RESPONSE FROM ANYONE IN REGARDS TO THIS ISSUE INSTEAD THEY HAVE SENT ME EMAILS ABOUT PAST OVER DRAFTS AND REFUNDS PLACED BACK INTO MY ACCOUNT. BUT NOTHING IN REGARDS TO THE MONEY ORDER.
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| 02/22/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/XXXX, I received a call labeled Spam Risk on my cell phone from XXXX. I was connected with XXXX of XXXX XXXX XXXX XXXX who began berating me with information regarding multiple attempts to collect a debt in the amount of {$860.00} that had ballooned to {$1500.00}. I was given little information than the debt was regarding Ace Cash Express -- a payday loan company. I immediately informed XXXX that this debt was discharged in a XXXX XXXX bankruptcy from XXXX. She insisted that the debt was not included, that garnishment proceedings with my company would be forthwith, that I would be taken to court and responsible for legal fees, etc. and demanded that I make payment or agree to a legal affidavit that I refused to pay. I advised that I had received no letter of collection. She proceeded to inform me that my address had been verified by USPS ; however, I advised that I had not lived at the given address since XXXX. She then confirmed my current address had been verified and couldn't answer as to why I had not received any letters. I advised that I am certain that the debt was filed and discharged and found the document while still on the phone with her ( XXXX XXXX XXXX XXXX ). She asked that I send the documentation to XXXX to resolve the matter.
Instead, I contacted Cash Express ( XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ) at XXXX and spoke with XXXX who advised I come into the office to look into the matter. I was connected with the District Manager ( XXXX ) XXXX who advised that I had a {$0.00} balance and that she has heard many people be ambushed like I was. XXXX also advised that Ace Cash Express is not affiliated with her company and to her knowledge was no longer in business.
I did some research to find a URL for ACE and found https : //www.acecashexpress.com/ ; I found a section dedicated to fraud and scam alerts that suggested I take note of debt collection calls like I had received. I called them directly at XXXX and spoke with XXXX. XXXX, who works in collections, was unable to locate me within the system.
I called XXXX back at XXXX and spoke with XXXX, who reconnected me with XXXX. Once on the phone, XXXX asked if I had submitted my document. I told her that I had instead done further research to find that Cash Express, nor ACE Cash Express show me liable for a debt. XXXX became irate stating that they wouldn't know and that I wouldn't show in their systems because the debt had been bought out. I asked for an account number and was provided XXXX but told that extra zeros may be added because of buy outs. I asked if she can confirm the origination of the debt, and she stated that she couldn't. When I informed her that ACE had advised me that I was not indebted, she stated that ACE is a financial backer and could be tied to any payday loan company. I pointed out that my bankruptcy documents have specific companies listed, so without further information, I would not know who to prove to.
XXXX was very combative in discussion and repeatedly said that these items are on my credit report, I will be financially liable for legal fees and will have to appear in court, etc. I advised her that I had pulled all three credit bureau reports and found nothing listed as she described. XXXX began telling me that she would simply close the " investigation '' and document what she had done and my choice to " not comply '' on my record. I asked for a copy of said record and was told no.
If this debt is legitimate, it is beyond the 6 year statute of limitations, and once clearly identified can be proven to be on a discharged bankruptcy. This ordeal costed me 4 hours of paid-time off and unbelievable stress.
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| 08/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2021, someone I do not know well sends me a referral link to open an account at XXXX for a {$100.00} bonus. The link allows me to provide my email address from where the account can be opened. The terms of the email ( attached ) specified the following : ( ( - Open the referral link from a mobile device XXXX XXXX XXXX - Open a XXXX account - Download the XXXX App and open a XXXX account.
- Set up a qualifying Direct Deposit - Your account must receive a direct deposit of {$500.00} or more within 6 months of account opening. ) ) ( ( - Detailed Terms : Referral bonus paid after referred person establishes an account and receives a payroll or government benefits direct deposit of {$500.00} or more within 6 months of account opening. An accountholder may receive up to {$500.00} in Refer-a-Friend rewards while program is available. The {$100.00} credit is a limited time promotion valid for those completing qualification requirements between XX/XX/2021 and XX/XX/2021. ) ) Following the instructions, I opened the account on my mobile device using the provided referral link on XX/XX/2021 ( see attachments ). I received a qualifying direct deposit into my account on XX/XX/2021 ( see attached ). The bonus is designed to post quite soon after fulfilling the requirements - however, I have not received it.
I reached out to XXXX on XX/XX/2021 about the bonus. They responded on XX/XX/2021 with the terms of the bonus. I responded on XX/XX/XXXX stating that I have completed all the requirements and have not received the bonus. They responded on XX/XX/XXXX asking for the following information : ( ( - referral code link - full name of the person referring - name and resident state of the person referred - account # of the referrer - account # of the person referred - email address of the person referred ) ) I responded on XX/XX/XXXX with the referral code link, name and state of the person referred ( myself ), account # of the person referred and email address of the person referred. I was unable to provide the full name of the person referring or their account number since I do not know them well. They responded again on XX/XX/XXXX saying that I must provide the following information for them to assist me : ( ( - Full Name of the person referred - Account # of the referrer - Account # of the person referred - Email address of the person Referred ) ) Once again, I responded on XX/XX/XXXX with all the information except for the account # of the referrer since I do not know them well and can not get that info. I reiterate that I have not received the bonus even though I have completed all the requirements and I may file a CFPB complaint. They respond on XX/XX/XXXX stating that the case will be escalated and they will respond within 2 business days.
I do not hear back from the company after that and I send a follow up email on XX/XX/2021 ( 5 business days later ). They reply on XX/XX/XXXX, stating that my case will be escalated and someone will contact me.
I am contacted on XX/XX/XXXX via phone from the corporate office and the representative I speak to ( XXXX, direct phone : XXXX ) once again states that they can not assist me unless I provide the full name of the person who referred me.
Overall, I have fulfilled all the terms of the {$100.00} referral bonus by opening the account using the referral link in the specified timeframe, receiving a direct deposit and yet I have not received the bonus. Despite this, the company is unwilling to help me without the name of the person who referred me, something that is not stated anywhere in the bonus terms as necessary, and something I don't have access to.
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| 08/08/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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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.
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| 10/05/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I received an email that was in my Spam inbox that stated, " Case No : XXXX Balance Amount : {$970.00} Case File Transferred to XXXX : XXXX XX/XX/2020 Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00}. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.
As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Once the court action is initiated and a Judgment / Decree against you to recover the balance amount with the cost of law suit is received, we may need to ask the court to give one of the following order, should the debt remains unpaid : - Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wage by your employer or arrestment of part of your salary to satisfy the debt.
Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff /Sheriff Officer.
If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your XXXX. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
The Factual Basis for the complaints are as follows : You accepted to return the funds from this aforementioned pending loan.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, XXXX XXXX is seeking either of the following remedies : - All funds to be returned as per terms of initial contract.
Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$970.00} to settle this case.
To resolve this issue contact us during the working hours Monday to Saturday XXXX XXXX to XXXX XXXX EDT by reply back to this E-mail to get in touch with the representative.
Yours sincerely Collections & Legal Department XXXX XXXX 2020 | | Terms of Use | Careers | Complaints | Privacy Policy
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| 02/16/2016 |
Yes |
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- Payment to acct not credited
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Web |
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I applied for a payday loan on XXXX/XXXX/XXXX my plans were to pay this loan off asap because of high interest. Due to death in family I was not able to do this. I finally received my tax refund and immediately went to Ace Cash Express, INC at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX. On XXXX/XXXX/XXXX at XXXX I went to pay my payday loan in full. I had set up auto debit for repayment of the loan. When I spoke to XXXX on XXXX/XXXX/XXXX she stated that my balance was {$180.00} XXXX stated they processed my auto debit but that it had not posted yet so XXXX gave me a paid off balance of {$140.00}. I paid the {$140.00} in full to avoid any other fees charges interest, etc. I get a call on the weekend of XX/XX/XXXX saying I still owe {$48.00} and some change. I spoke to XXXX I explained that I was in there office and paid my balance in full. XXXX then says no you still owe one more payment. Not once could any clerk including mgr. admit they made a mistake or prove to me that I still owned one more payment. I asked for a detailed statement so I could do the math and figure out what I did or did not owe. No one including the manager could provided me with a detailed statement show what my beginning balance was minus each payment I made up onto the day of XXXX/XXXX/XXXX that I went in and paid my balance in full. To this day I have no ideal what I really owe Ace Cash all I am suppose to do is believe that the amount they make me pay is correct. I would like this company to prove to me what I borrowed what they charged me in interest minus what I paid and no one there would provide me with any type of a statement they refused saying they do n't do that. How can I as a consumer know what I owe someone without any type of statement. I also spoke to the Manager XXXX XXXX and he also could not provide me any type of proof. On XXXX/XXXX/XXXX I made another payment of {$45.00} just because they told me I had to they would not provide any proof I owned any more money. We as consumers are suppose to just pay something because they tell us to as far as I knew I paid my balance in full on XXXX/XXXX/XXXX. How do I get a statement from this company so I can figure out if they over changed me or I paid what was due. Again they will not provided me with this documentation. Any bank, credit card, etc. ALWAYS provides a statement WHY? do these payday loan companies not do the same. Please help I want to know I was not overcharged especially when I walk into a company in good faith to pay what I owe in full. Then I get a call saying I still owe. I paid a total of the following : I borrowed {$250.00}, I paid 7 payments of {$45.00} including the additional payment they charged me on XXXX/XXXX/XXXX after as far as I knew I was already paid in full on XXXX/XXXX/XXXX for a total of {$310.00} now and no one in that office could help me figure out that yes I did own another payment. This is not right these companies should be required to provide statements show what was borrowed what was paid interest charged should all equal out to a XXXX balance. I still feel I did not owe them any more money. Could you please contact this company and get me some type of statement so I may have peace of mind. I feel I was ripped off. I expect a company to know how to handle a transaction especially when I 'm paying off an account in full. Please help me get a statement so I may have peace of mind that I did owe another payment. Why can a company like this get away without providing a statement so we know exactly what we owe. I thank you in advance for some type of resolution. Thank you.
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| 08/01/2016 |
Yes |
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Web |
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I received an email stating that I owed money and that they were going to send out an arrest warrant. When I looked at the email it came from : XXXXXXXXXXXX Arrest warrant ID : - XXXX XXXX which is going to be released on Tuesday by XXXX.
Attention : This would be last and final warning for you!
This Legal Proceedings issued on your Docket Number XXXX with one of XXXX XXXX XXXX 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 XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
Case No. XXXX Amount Outstanding {$1300.00} We have sent you this warning notification about legal proceedings of XXXX XXXX, 2015 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologize that this notification will also sent to your current employer. 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 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 {$7600.00} 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 door step.
Note : This notice is provided to you on behalf of XXXX XXXX XXXX and its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( hereafter collectively referred to as the " XXXX Related Companies, '' " we, '' " our, '' or " us '' ). The XXXX Related Companies include, but are not limited to : XXXX, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX XXXX, Fax XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Pawn, 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 XXXX XXXX XXXX XXXX.
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.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the " I AGREE ''
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| 10/21/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In XXXX, I took out a PayDay Loan with Ace Cash Express. After flipping the payday loan several times, I asked the clerk on how to get out of the debt cycle. She suggested that I " Stop payment '' on the check ; then in a couple of months, pay it in full since it would not hurt your credit, nor would they take you to court.I did exactly that.
In late XXXX, I got divorced. I was ordered to pay {$1400.00} in XXXX XXXX for XXXX kids.
I had to work two jobs for two years.
On XX/XX/XXXX, I had a XXXX XXXX, four XXXX XXXX in my XXXX. This is due to XXXX and working two jobs to pay down divorce debt. I almost died in my living room.I was on XXXX for 1 month trying to recover.
Fast foward to XXXX of XXXX. My brother was called by a company named " XXXX XXXX XXXX XXXXXXXX ''. He called me to let me know that someone is suing me and they needed to get in touch with me before the court date was established.
On XX/XX/XXXX, I called " XXXX XXXX XXXX XXXXXXXX '' ( phone number : XXXX ) and asked to speak with a representative.
The lady responded that she needed to " verify '' my identity in order to " Unlock '' my account. I verified who I was, and was transferred to a lady named " XXXX XXXX ''.
XXXX notified me of the past debt with Ace Cash Express in the amount of {$550.00}.
She asked me how I got in this situation. She was extremely nice, seemed empathetic that I almost lost my life in XXXX from working two jobs, then losing my job for taking FMLA only months later ... then being XXXX between XX/XX/XXXX - XX/XX/XXXX.
She stated to me that she worked in the " Processing '' Department and was about to send my " File '' over to start " Court proceedings ''.
She stated to me if the debt was not taken care of " TODAY '' ALL COURT fees would add up to {$1700.00}, bu t if I took care of it today, it would be {$550.00}. I told her that I just got back on my feet and was not sure how much I could pay. She stated that she could put my account in a " financial hardship '' program and I could pay {$69.00} every two weeks to satisfy my debt.
I stated to XXXX that I would need a couple of days before I could make any promises.
As soon as I made that statement, she started to berate me. She told me that I " know exactly how much I can afford '' and " should pay now or else she was going to put my account into " refusal to pay '' status ; this would start court action. I repeated I needed a couple of days to figure out how much I could pay. She told me it was my fault for not satisfying the debt previously, that I defrauded Ace Cash Express, and it was my fault for my health conditions.
I tried for 15 minutes, while at work, to diffuse the situation and try to work out a payment situation. I repeated that I needed a couple of days to figure out " How much '' I could pay. Again, she threatened me with civil action.
I told her good-bye. I called back minutes later to ask for the name of the company that had my debt. She would not answer me. She finally stated " XXXX ''. I said " XXXX '' what? XXXX stated only " XXXX XXXX XXXX XXXX ''. I proceeded to ask for the address, since this could be a fake call from " ANYONE '' trying to get my personal financial information. She scoffed and provided me a PO BOX in XXXX, CA.
At no point did she notify me that she was a debt collector. She did not try to verify her company so that I could cross-check to ensure that I was not being scammed. Once I refused to her demands for immediate payment resolution, she demeaned me and continued to threaten me with civil action. I hung up and went back to work.
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| 06/13/2016 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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Received multiple emails from Ace Cash Services. This is one of them : frm : Ace Inc & lt ; usacollection@aceexpresspayment.org & gt ; Today at XXXX To XXXX Message body Name : - XXXX CUSTOMER ID # : ACE-XXXX LOAN DUE - XXXX You are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.
Your line of credit is over 60 days past due, but it is not too late to restore your good standing!
We want to serve as your trusted financial resource in the future, but to do that ; we 'll need to come to an agreement on the past-due balance.
If you believe you are unable afford the payment options we have offered, contact us right away by phone or email and we will do our best to accommodate an amount you can commit to.
XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you. We believe that this was not your intend and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THROUGH EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX UNITED STATES OF ATTORNEY Copyright ( C ) 2006 XXXX | Privacy | Terms of use ACE CASH SERVICES.
Phone : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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, 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.
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| 10/04/2019 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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Start to receive multiple phone calls leaving messages that a law suit is being filed against me by XXXX XXXX that day. Called back. Was told I was served documents ( which I was not ). regarding a debt I owed. I asked who it is that is trying to collect. Was told ACE check services. I explained this was already taken care of years ago.
I was told they are filing a law suit regardless.
Calls continued. Today got a call from a private number asking for an individual not at this number. Same person called back then asking for that person and myself. I asked who it is. They said they are a process sever and are ready to serve me legal documents today that have been filed against me in Court. I needed to call this number from a law firm to avoid legal actions. I asked what Court & who the other person was they mentioned. They hung up.
I called that number. I was told as of XXXX XXXX today they will file against me and levy my bank account and I will no longer be able to use my bank card or account from then on up unless I pay my debt today. I asked which Court it is being filed at. I was told that they do not know as they are in XXXX, AZ. I explained so am I & thats why I was asking. He said your local Court. I again asked what Court. He said he couldn't tell me and I would find out soon enough. I asked further questions in regards to this debt. I explained there is no debt owed as I made the payments that were asked of me & it was settled. He said I did not and that my bank returned payments. I said no way. He said well you are out off luck then there are no further notes on here & you only made 3 payments. I stated I already told them before that these 3 payments settled the original debt. He said if I do not pay today a lot of addt cost will be added. I explained I am fully XXXX & I have no extra money. The debt was settled long ago. I stated I would like more info on the process server and their Company. I was hung up on. I called them back & again was hung up on. After that every time it went to VM. I left a message stating that I would have liked to work something out and that hanging up on someone isnt a solution. It is rude. That I am sure I will be able to find who their supervisor is. Actually checked online. There is no such Company. I called them back left another message letting them know that I am fully XXXX as such they cant levy against my acct as Social Security Payments are exempt. I called back one more time, again answering machine. I told them I will need proof of my debt as they are NOT a law office and to claim so is illegal. I further stated I expect proof of my debt to be send to me within 5 business days as well as any legal paperwork that has been filed. I made them aware that I have USPS informed delivery. So they cant claim they send it if they did not.
I then looked at the other number that had originally contacted me. Same number ( except last 2 digits ) but the message they had left me states a diff company. After more research found out that a class action has been filed against them in a diff state for deceptive collections. I agree. Stating you are a process server and that you are a law firm when in fact you are a collection agency is deceptive. Stating that I wont be able to use either my bank card or my account when no lawsuit has been filed or even won as of yet is further deceptive.
If you need their names, phone numbers or voice mails I gladly forward them to you.
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| 04/28/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Received this email - does not look legit and I do not have a debt with them to my knowledge : From : Attorney XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Warrant Activated Case # XXXX Ace Cash Express Payday Loan XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX
Contact at : mailto : XXXX Case Number # XXXX SUBJECT : LOAN DUE AMOUNT- {$640.00} We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded 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 {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
1. You will have to submit {$490.00} today and close this case outside of court with the onetime case settlement plans 2. You will have to submit an amount which is acceptable of {$210.00} today to put this case on hold outside of the courthouse and the rest payment with {$210.00} biweekly installments till the loan amount {$640.00} paid in full. Get back to us ASAP before the charges have been pressed against you into the court of law.
Do provide us with the date on which you can pay so that we can update your account at mailto : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX XXXX XXXX Privacy | Terms of use | Carrier
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| 11/20/2015 |
Yes |
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- Received a loan I didn't apply for
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Web |
Servicemember |
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ACE CASH & lt ; XXXXXXXXXXXX XXXX XXXX ( 51 minutes ago ) to bcc : meDue to : XXXXCase File # : XXXX ; Subject - XXXX Loan Reminder/Debt RecoveryCase File Transferred to XXXX : XXXX 2015Balance Amount : {$960.00} Dear Debtor, Our company XXXX XXXX XXXX XXXX has authorized us to recover the full amount due to them.
As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that 's the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.
We regret that if we do not receive your response within the next 48 hours, we shall have no alternative but to take action through your local XXXX Courthouse to recover the amount due together with court costs and legal fees which is approximately {$4200.00}.
AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTIONIf Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make XXXX of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a XXXX Court XXXX or Sheriff Officer Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debtThe Factual Basis for the complaints is as follows : -You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, XXXX XXXX is seeking either of the following remedies : -All funds to be returned as per terms of initial contractDear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentionsIf you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THROUGH AN EMAIL OR CALL US DURING WORKING HOURS ( From Monday To Friday XXXX to XXXX ) on XXXX.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerelyXXXX XXXX. Investigation Officer.
( Department XXXX ) XXXX XXXX XXXX ) Collections & Legal DepartmentXXXX LEGAL | Privacy |Career| Terms of useConfidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, XXXX U.S.C. XXXX and intended only for the use of the individual or entity to which it is addressed. Any review, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are 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.
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| 04/09/2020 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Here is a copy of an email I got from Ace Express trying to impersonate a attorney telling me that I have fraud and fast for a payday loan they say I owe that I did not take out I don't even have the bank account they gave they have been calling and bothering me this is illegal and I want it stopped.
LOAN INFORMATION CASE FILE # : XXXX DUE AMOUNT - {$980.00} File Transferred- XX/XX/2020 Dear Debtor, As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & thats the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.
We regret that if we do not receive your response within the next 72 hours, we shall have no alternative but to take action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately XXXX.
AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgement / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACE INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract Dear Customer as we were investigating your profile, we found you to be a genuine person so it is our duty to help you out but for that we need some right answers from your side. Also we would like to know your intentions If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf email us right now to pay or agree to a payment plan with us.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerely Collections & Legal Department ACE EXPRESS | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are 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.
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| 10/13/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Impersonated an attorney or official
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Web |
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I missed a phone call from XXXX on XXXX XXXX, 2016 at XXXX. I tried to call XXXX back at XXXX on XXXX XXXX, 2016. XXXX called me again at XXXX on XXXX XXXX, 2016 and I answered the call.
A lady on the other end asked for me by name and identified herself as calling from the XXXX XXXX County Clerk 's Office. I immediately googled the number she was calling from and it was indeed to the XXXX XXXX XXXX Clerk 's Automated Information Line so I proceeded to listen. She informed me she had a case in her office filed by XXXX XXXX XXXX XXXX XXXX XXXX that she needed to serve me for " failure to appear on. '' I asked her what had I failed to appear on? She stated that I she could n't see the details of my case and then asked me if I had received my 7-day notice because she needed to have her officers serve me my legal documents. I stated no I had n't. She verified the address she had on file with me which was my old address. She then told me she was going to put my case on a 30-minute hold so I could contact XXXX XXXX XXXX since I had n't received a 7-day notice. She provided me phone number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX then told me to reference affidavit number XXXX when I contacted them.
I called XXXX at XXXX on XXXX XXXX, 2016. A young lady answered the phone and I told her I was told to contact them by the XXXX XXXX County Clerks office and I have my affidavit number if she could help me. She asked me was my name XXXX XXXX, which I confirmed yes, but found odd seeing she did n't ask me for any personal information to identify me. She then proceeded to tell me that she could see the XXXX XXXX County Clerks Office put me on a 1-hour hold to handle this situation. I asked her who was she representing and was she a law office to which she replied, we have a lawyer on staff. She said I had taken out a loan from Ace Cash Express and had not paid on it and had not taken any of their phone calls. I tried to ask her why did n't her client try to make restitution with me when I called them but she cut me off about XXXX words into my question and began answering a question I had not intention of asking her ( she was doing more speaking than listening - talking over me a lot ). When she was done talking, I informed her that was n't going to be my question and asked her could I ask my question. She stated go ahead. I then asked my question ( listed above ) to which her response was, did you read your contract. You can be sued if you do n't pay. I began to reply and she started talking over me again, so I asked her could I speak to which her response was, you 've already spoken now it 's my turn to speak. I went to reply to her and she said, well, you and I ca n't talk at the same time and hung up on me.
I immediately called the XXXX XXXX County Clerks office where I was informed I had been lied to. XXXX XXXX County Clerks office does n't have a claim against me in their office. The actual county clerk I spoke with was very nice, she actually searched me in their system by my name, address, social, birthday and nothing came up. She even asked me my middle name to ensure she did n't have it wrong. I thanked her for her time but before she let me go, she told me, even if they did have a case against me, they would only call in extreme circumstances and a payday loan is n't one of them. She apologized this had happen to me and we got off the phone.
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| 02/03/2017 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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XXXXAttention This is the last and final chance for you.
This Legal Proceedings issued on your Docket Number XXXX XXXX with XXXX of XXXX XXXX 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 XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
CASE NO : XXXX - Amount Outstanding {$970.00} We have sent you this warning notification about legal proceedings but you failed to respond on time now it 's high time if you failed to respond in next 6 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. 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 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 {$4300.00} 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 XXXX department and you will be served by court summons at your door step.
Note : This notice is provided to you on behalf of Ace Cash XXXX. and its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( hereafter collectively referred to as the " XXXX Related Companies, '' " we, '' " our, '' or " us '' ). The XXXX Related Companies include, but are not limited to : XXXX, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX XXXX.
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.
TERMS & CONDITIONS YOU AGREED.
For any query/Complaint feel free to write us XXXXXXXXXXXX.
Best Wishes Ace Cash XXXX Phone ( XXXX XXXX XXXX
|
| 04/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Ace Cash Express Payday Loan The XXXX XXXX XXXX Attorney XXXX XXXX Washington DC.
Contact at : mailto : XXXX Case Number # XXXX SUBJECT : LOAN DUE AMOUNT- {$640.00} We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded 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 {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
1. You will have to submit {$490.00} today and close this case outside of court with the onetime case settlement plans 2. You will have to submit an amount which is acceptable of {$210.00} today to put this case on hold outside of the courthouse and the rest payment with {$210.00} biweekly installments till the loan amount {$640.00} paid in full. Get back to us ASAP before the charges have been pressed against you into the court of law.
Do provide us with the date on which you can pay so that we can update your account at mailto : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX.
Copyright 2020 XXXX XXXX XXXX XXXX XXXX Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
|
| 09/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
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|
Web |
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XX/XX/XXXX.ACE cash Express, Inc notified me that someone cashed 2 of my business ( stolen ) checks and 2 checks are NSF.I asked where XXXX XXXX was. I was told I had accounts ( FAKE FORGED Illegally ) for years. I went to pay NSF and I was also to receive copy of application who opened accounts in my name, copies of all statements, refund money in account in my name and close accounts.and never cash another check from my company because it will be stolen.. I paid NSF .Once I said I needed copy to file charges I was yelled at by manager that I cant arrest her boyfriend.She would have me arrested. ACE refused all copies .I left with my witness. After several phone calls to local and corporate who would be stupid enough not to close accounts.
XX/XX/XXXX.I have bulldozing business, I have my own commercial Bank. I kept calling my boss claiming I was missing ACH wire deposits and Client checks average XXXX to XXXX.by accident Ace managers boyfriend worked for me. I found maybe 20 receipts in my company truck. It was ACE/XXXX depositing some money, cashing others. Same amount as my dozer checks.
2012. I finally called ACE from the police room and said, " I don't know who you or what your doing but I'm here to file charges and get you in prison. I drove quickly to ACE and there she was dumping trash bags of evidence.Direct deposit ACH transfers with, my name as account holder., My name was forged and at the bottom of the ACH Wire transfer form was large writing. '' Please deposit all XXXXXXXX, XXXX monies into this account form now on..Then forged my name. '' XX/XX/XXXXNow I had to build a case.Detectives told me to hire a detective .I became my own.
I now have found XXXX cashed receipts of XXXX of my stolen rerouted ach wire deposits, I found 3 forms with ACe/XXXX logo for a direct ach wire transfer and all have written on bottom of form, '' Please deposit all XXXX, Incs monies into this account from now on.. '' then forged y name so terribly wrong. I was calling ACE local and corporate/ XXXX all the time, I was told don't send evidence they wont read it.
The 3 account " Paycheck '' transfers forms forged, the account holder name is mine. I know know my fake illegal accounts receive my stolen money ( account XXXX ) receives stolen money then ACE/XXXX transfer Laundered money into the Boyfriends accounts.
I found XXXX accounts in XXXX names receive stolen money, I also found my stolen money cashed at Ace ( XXXX plus XXXX and a XXXX money order all cashed same day opened a bank account in XXXX XXXX. I followed them the entire way. One day Ace cashed XXXX of my stolen company checks in one day. I got a passport of ID theft from attorney general in XXXX to transfer to XXXX XXXX XXXX Attorney general and FBI.on XXXX.
I want my stolen money back. I have cpa that should be sending exactly what deposits are missing from my boss, inspectors, clients. I have included some Forms found, all XXXX has a receipt, have 7 pages of exhibits, a motion, petition, XXXX, all charges. ( I have 8 boxes in storage ) Main charge is Intentionally Premeditated Conspiracy to Commit XXXX ACH wire fraud and bank fraud.
Ace says too small to investigate. XXXX said I don't have account there yet I found form and all 3 forms have same handwritten letter about, Please send all XXXX XXXX money to this account from now on.
in my name.
|
| 09/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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|
These are the emails I continue to receive even after I've repeatedly asked them to stop contacting me.
Case File No : XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/2020 Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, ACS has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00}. If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 45-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
As we were unable to reach you so we are sending you this final notification through email. This legal matter will require your cooperation, so kindly get in touch with the department to make a payment and freeze down this case.
As you are a defaulter on this credit, the following counts are likely to be represented against you at local County Courthouse : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If you are under any state probation or payroll we need you to inform your reporting officer or manager about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation .We reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet and your SSN. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$970.00} to settle this case.
The Factual Basis for the complaints are as follows : You accepted to return the funds from this aforementioned pending loan.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract.
Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$970.00} to settle this case.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Yours sincerely Collections & Legal Department ACE INC
|
| 09/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Email Received XX/XX/2020 Case File # : XXXX Legal Charges-Section 19 ( A ), Clause 21 ( US ).
Case Format- Fair Debt Collection Act 811 ( FC/SC ) Original Creditor Company ACE cash Financial Group Inc .
Total Due Balance : {$1000.00} Dear : **, Settlement Amount : {$750.00} for Today or two payments of {$510.00} from Today.
This is our official notice to you regarding the due payment and requires your immediate attention.
This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf.
This is an important letter and requires your immediate attention. Despite sending you several reminders, we have received no response from you about your seriously past due account. We feel we have given you ample time and have been more than patient with you. Therefore, we feel there is no other recourse but to write this debt off of our books by reporting it as a bad-debt loss to the I.R.S. Through a 1099-C filing. You can avoid this by remitting payment today for the full amount due.
At XXXX, our top priorities are the health and safety of our employees, customers, and their families. As the COVID-19 ( coronavirus ) situation continues to evolve, we are doing all we can to help you protect your credit during this unprecedented time. While your health and welfare are top priorities, you may also be concerned about how current economic conditions might affect your financial situation. We encourage you to be proactive in monitoring your credit, staying on top of your personal finances, and using resources that may be available to you.
The companies at ground zero of the COVID-19 outbreak provide insight into what works in a time of crisis. We will provide you the minimum settlement amount in order to settle this matter excluding the late fine fee and rate of interest.
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 by jury then you have to bear a lawsuit, which will be amounting to {$1000.00} and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount.
If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.
Please reach out to us immediately if you would like to set up a repayment plan.
I just want your final answer on whether you are going to make the payment today. Just answer me Yes or No.
So that I can move on to the further steps on the base of your reply.
It is an extremely time sensitive matter so reply me back immediately with your final answer so I can put a remark on your case file.
If you have any questions or wish to discuss this matter, please Email us the undersigned immediately Thank You.
Sincerely, XXXX XXXX XXXX XXXX XXXX.
Collection Agency/Legal Counsel, Settlement Team
|
| 05/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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We have a very old XXXX XXXX XXXX debt with Ace Cash Express. We have since declared bankruptcy in XXXX and that debt was included and my attorney has confirmed they were served with this information and had an opportunity to make a claim, which they did not. They call us all the time even during the day when we are at work even though I have told them repeatedly not to call during work hours and have also told them to contact our bankruptcy attorney it continues. They also tell us that a XXXX XXXX XXXX can not be included in a bankruptcy so it does not matter what our attorney has to say. Our attorney has called their office only to be hung up on. Our attorney has attempted to contact them atleast twice with no success, however the calls continue. Yesterday, XX/XX/XXXX I received a call from a man that stated he worked for the XXXX XXXX XXXX as a Process Server and needed to inform me of a pending case of garnishment giving me a case number and that although he did not have specific information about my case he had a phone number of the attorney 's office who had filed the claim and I should call them prior to my court date to tell them I was in a bankruptcy. I told him that I would have my attorney call the collection company. This man was VERY believable and even acted as if he was sympathetic and express his understanding of how awful these collection companies can be. He completely represented himself as a court employee for my county. I asked him how I could call him back and he gave me a phone number, which was also in my call log ( XXXX ) and stated that the courts had him working from home and this was a remote number the courts had set up for him and the other employees of the court and I was to ask for XXXX when I called his office back. I immediately called my attorney 's office who tried calling all numbers given to me and they also looked up the case number to find it was bogus. I also called the court directly this am and they told me that the case number given to me did not even have the same sequence as their case numbers and we had no pending cases. This collection company has cursed at my husband, they have harassed us non stop, they completely ignore that we are in a XXXX XXXX bankruptcy, they refuse to speak to our attorney and have not provided us any paper work ever to explain this debt to us even though we have requested. I have also asked for copies of any court documents they have filed for my attorney and nothing has ever been received. Calling us and pretending to be a county court employee is our final straw and I feel like someone needs to intervene and investigate this company. It is causing me so much stress it is impacting my job and my ability to stay focused during the day putting my job in jeopardy. PLEASE help me any way you can. Collection company is XXXX XXXX XXXX XXXX XXXX. The docket number I was given for my court case was XXXX, the Process Server imposter called me from XXXX and told me to call back on that some number and speak to XXXX. My XXXX XXXX is XXXX XXXX XXXX XXXX. I hope your investigation will help others not fall prey to this awful treatment by this company. thank you for your time.
|
| 07/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Ace Cash Express Payday Loan The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Contact at : mailto : XXXX Case Number # XXXX SUBJECT : LOAN DUE AMOUNT- {$730.00} We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded 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 {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$570.00} today and close this case outside of court with the onetime case settlement plans You will have to submit an amount which is acceptable of {$240.00} today to put this case on hold outside of the courthouse and the rest payment with {$240.00} biweekly installments till the loan amount {$730.00} paid in full. Get back to us ASAP before the charges have been pressed against you into the court of law.
Do provide us with the date on which you can pay so that we can update your account at mailto : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX.
Copyright 2020 XXXX XXXX XXXX XXXX XXXX Privacy | Terms of use | Carrier
|
| 09/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Garnishment Notification and Arrest Notice LEGAL DEPARTMENT OF MAJOR CREDIT BUREAU Police Case file # XXXX Loan Reminder/Debt Recovery Due Amount- {$980.00} Dear Debtor, This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25 % percent of your disposable earnings and make payment to the court on your behalf. The following applies to you : Before you are arrested If you pay in full or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full.
After you are arrested Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the courthouse.
If you want to stop the garnishment deductions from your paycheck, you must obtain a release or pay the entire amount you owe, which you can pay with the help of Debit Card, Prepaid Card in order to close this account.
What is garnishment?
Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account.
Why am I receiving this notice?
On XX/XX/2018 we received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$980.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact us for the settlement amount.
If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email.
If you want to resolve this matter then we have settlement amount for you ; 1. One-time Payment of {$560.00} by today.
2. One-time Payment of {$740.00} on XX/XX/2018.
3. If you are looking for Monthly payment then you have to pay the total amount of {$900.00} with payment arrangement and you can pay {$300.00} monthly till paid in full.
Kindly let us know what type of payment arrangement you are looking for Sincerely, ( Department- XXXX law enforcement ) Sr. Investigation Officer Copyright ( c ) 2018 | ACE CASH INC | Privacy | Terms of use ____________________________________________________________________________ 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, Re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you receive 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.
|
| 12/30/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I was emailed a fake collection email on a debt that I do not owe. Here is the email they sent me : Case File No : XXXX Total Outstanding : {$980.00} Loan Company : ACS/ACE CASH SERVICES Dear Debtor, As we put your Social Security Number into our National Checking Database System, we found that you have been never charged for a fraud activity & that 's the reason Court House has decided to give you a chance to take care of this issue outside the Court without having a report on your Credit History and Social Security Number.
If you want to take care of this issue than you have to pay an out of Court Restitution Amount which includes the late payment charges, penalty charges, interest rate on the loan amount which is $ XXXX.We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take an action through your local County Courthouse to recover the amount due together with court costs and legal fees which cost approximately {$3200.00} AS YOU ARE A DEFAULTER ON THIS CREDIT XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid : - Warrant of Execution ( Exceptional Attachment Order ). Seizure and sale of movable non-essential assets / property by a County Court Bailiff or Sheriff Officer Attachment of Earnings base ( Earnings Arrestment ). Deduction from your wages by your employer or arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows : - You agreed to return the funds from the aforementioned income advancement as per contract.
And as per the agreement the funds have yet to be returned and the collateral has proven to be null that is to say of no value.
At present, ACS INC is seeking either of the following remedies : - All funds to be returned as per terms of initial contract If you have recently settled this account, please contact us immediately to avoid further action. Otherwise, payment options are set out overleaf or alternatively call us or email us right now to pay or agree to a payment plan with us.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THAN CONTACT US IMMEDIATELY THRU AN EMAIL OR CALL US : XXXX.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
Yours sincerely Collections & Legal Department ACS LEGAL | Privacy | Terms of use 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, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are 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.
|
| 03/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted through email by someone named XXXX XXXX stating that I was facing four criminal allegations against my name and my social security number. The guy said I was going to be prosecuted within a couple hours in court. Also that they wanted to come to an agreement on a payment plan for a payday loan. I believe the balance was in the area of 300 when I received the loan, but this guy is saying I have a remaining balance of {$1100.00}. And that if Im found guilty then Id have to pay the court fees and lawyer fees and the balance would be {$4400.00}. He also stated that if I was under any probation or payroll that they would need to report it to my manager or superior. He also stated that he was going to file my case with the local police department along with there investigation officer, and that they will be coming to my door step or to my workplace to arrest me and keep me in custody for the next 2-3 months for fraud. So i responded saying I wanted to resolve my debt, and I let him know how much I could do each month till the debt is paid, but then he demanded {$350.00} dollars on the spot to keep it out of court, if not they were going to proceed. So I let him know I couldnt do it that day but could do it the next week. So he agreed and said my first installment would be on the XX/XX/XXXX. Today, I receive another email from him stating that he still hasnt received any payment from me nor an answer. So that if I didnt pay the full amount within 45 minutes, he was going to pursue court action against me. I responded and reminded him that we had just agreed to something yesterday now hes threatening me again. And I reminded him Im trying to repay my debt, and that it was illegal for him to threaten with jail or a bench warrant. And I also stated that maybe bankruptcy was my best option. So he responded again with the same message as the day before that my first installment would be on the XX/XX/XXXX. And I responded with Im going to look into a lawyer. So then he threatens again that if I cant pay within 3 hours that he was going to pursue the court action. He also stated that this was the courts decision so I needed to obey it and if not I would be taken for legal and other requirement procedures for XXXX.
He also mentioned again that he would be generating a court date for me and again the local police department along with there AGO investigation officer would be showing up to my doorstep or work place and Id be jailed for four months. He also stated that the loan was provided against my paychecks so that his client Ace Cash Express has all the right and authority to inform my job about this case. So I asked him for the evidence which would be the loan documents to see if that was the remaining balance, and he responded with all the information is in court so hes not mentioned in the affidavit and are under cover and have yet to be mentioned until the case is executed. And then he asked me if I remembered taking out a loan with this company and did not bother paying back. And I responded with Im asking for the loan documents to see if this balance is true because I believe hes lying about it.
|
| 12/11/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
Servicemember |
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I took out a small unsecured payday loan from ACE Cash Express in XXXX for {$300.00} ( maximum allowed under XXXX ). I was unable to repay the debt in full and called prior to the due date to setup a payment arrangement guaranteed to me under Washington State law as ACE still had locations in Washington at that time. I was refused a payment arrangement by the store clerk who told me I would never be able to loan there again.
Some months passed with no communication from ACE or anyone else until the end of XXXX from a company called XXXX. I asked XXXX for the paperwork to be sent to me to validate the debt, the information was never sent. Repeated calls were received after asking that they stop and only communicate to me via mail, which they refused to do. From XXXX of XXXX until the XXXX of this year I received multiple calls a day until I blocked all calls from XXXX who left me voicemails threatening legal action and that I could be found guilty of a legal case and left a case number. In one of those voicemails the message claimed that they could help me with my debt to the IRS, this was in fact XXXX as the case number was the EXACT same as left by XXXX previously. The voicemails can be recovered by my service provider upon legal request only at this point as voicemails did not transfer over to my new phone.
Today I received a call from a private number stating that legal action would be taken against me and that I should be aware of this as documents were already sent to me I told the lady that I was completely unaware of this and she provided me a number to XXXX XXXX and a case number and wished me good luck. The woman never identified who she was calling for nor did she establish any type of validity of any type other than asking my name. I was later informed that she may be working for a location service.
I called XXXX who informed me that they were filing legal action against me for defrauding a loan agency with XXXX XXXX ( where I live not where the debt was incurred ) and for knowingly trying to deceive a lender on a secured loan. I informed her that a payday loan is an unsecured debt and she told me I was wrong and they were going to file a civil case against me. I informed her that the address they had was wrong and I was told it was my duty to tell ACE where I had moved. I replied that I had not moved in 4 years and that the address where I could be contacted was on the original loan application as well as the check used. She stated they were not obligated to send me any information regarding this debt as I was already contacted by ACE and XXXX verifying the validity, which I never was.
I then called ACE who told me they no longer had the file and it was transferred to XXXX XXXX XXXX XXXX so I called them and they stated the file was with them through XXXX but they had sold it to XXXX XXXX XXXX XXXX. The lady at XXXX XXXX XXXX stated that they would send me a copy of the application from XXXX which was a full 1-2 years after I applied for the loan, I never filed for a loan in XXXX through ACE.
Multiple calls to XXXX XXXX XXXX go unanswered to a voicemail line.
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| 12/29/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On Friday, XXXX XXXX, 2017, at approximately XXXX., I received a call from my supervisor, stating that she received a call from a XXXX XXXX XXXX who was claiming to be a dispatcher from a XXXX XXXX XXXX , who was en route to serve me papers for a debt. I am off work sick, and am not at work. I found this to be odd, as payday loans do not use these tactics. I then returned the call to the phone number provided which is ( XXXX ) XXXX.
I called this number and asked for a XXXX XXXX, which at that time, I was advised that that individual is not a representation of the company I called. I assumed at this time I was speaking to a rep from XXXX XXXX, but realized I was speaking to a rep from XXXX XXXX XXXX. I then immediately asked the person on the line what is this pertaining to? I expressed displeasure that this is the second time in about 2+ years that I received these types of calls. The caller ( who I never identified ), asked for my social, which I confirmed the last four. He then proceeded to tell me there is a legal case and that any information would be provided at discovery. I immediately stated that I do not wish for him or any of his representatives to contact my employer for any reason. I stated that I would have my attorney contact them as well with this request. The male caller, and I had a semi-heated discussion. He felt that I was rude and threatened to hang up and not help me. I may have become upset during the conversation, because the tactics of threatening to serve someone with papers is not only extreme, but not a practice Ohio uses in this manner. He also then stated that since I would need a lawyer, they can contact him. I stated I will handle my own affairs, and if I need representation then I would get it at that time. After repeatedly stating that I had no issue paying the debt with proof, and getting no where with the caller. He stated that I am a " Quality Debtor or " Experienced Debtor '', or some reference similar and hung up. I then called back wanting to speak to a supervisor, and got the same male on the phone. I then advised him, that I called, but since a person was hiding behind the phone, I could not get anywhere, I am calling back. He then stated " hiding behind the phone? '' and hung up again. I then called ACE Cash Express, and a spoke to XXXX at approximately XXXX XXXX., and advised her briefly of the incident. She did mention that my debt was sold to XXXX XXXX XXXX ( Account # XXXX for {$720.00} ), I had this similar experience about 2 years ago, where I received threatening calls from a " law office '', and upon dialing the number given, it linked back to XXXX XXXX XXXX. It appeared that they are one company representing themselves as attorneys instead of the collection associates they are. I have asked them repeatedly to not contact my employer, and if I had or was given and address or email, would request in writing. Also, while speaking to XXXX from ACE Cash Express, she stated that their company does not practice, or condone practices of legal or lawsuit threats, or any aggressive collection actions.
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| 10/15/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
Servicemember |
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XX/XX/XXXX, I needed a short term loan, that I would be able to pay off within a day or two by renewing the loan at my bank. I had a really good credit score at the time, and my bank had assured me that it would renew the loan. However, the bank did not renew the loan. I tried to cancel the loan within the three day limit, however that was to no avail.
My son and his friend had moved in with me, as I lived in the city, so that they could find employment, however, that turned out to be much more difficult that we had imagined. I tried working with Ace Cash Express to lower the payments, but again to no avail. I became ill with XXXX and XXXX XXXX in XXXX of XXXX, and subsequently hospitalized for this in XXXX of XXXX. I was ill more days than not, as I have a lot of pre existing conditions. Unfortunately, covid hit and my son was laid off from the XXXX XXXX that he had just started working at. He does XXXX XXXX now, but he barely makes anything as XXXX is pretty competitive on that, especially with more unemployed people.
XX/XX/XXXX, I am contacted by a " locator service '' XXXX, informing me that I was in violation of some court order and that I needed to be served paperwork, they gave me a case number and a phone number to call.
Now I did not get suspicious at this, because the people I talked to had an XXXX Texas accent. Unfortunately, sometime in XXXX, Ace Cash Express had sold my information to sales people, and I am hit with unwanted calls all day long, however, most are robo calls or with a foreign accent. Because of this man 's accent, I assumed it was a legitimate threat.
They gave me a " case number '' that I can't seem to find at the moment I am typing this a a phone number XXXX, to call to find out more information, they told me that they couldn't give out the information about the warrant as they could not verify who I was as they were just a " locator '' service.
I called the number and found out that Ace Cash Express, who was ordered to pay over XXXX XXXX dollars in XXXX for doing the same thing they are doing now, had filed with the court in XXXX County using my address that I had back when I had a loan from them that I had paid off, instead of using the current address that I was living at when I took out this loan that is in default. I am presuming that they did this because they couldn't get the DA in XXXX to go after me, but XXXX County, which is as dirty a county as they come would. Texas the state 's constitution states that " no person shall ever be imprisoned for debt. '' though many counties are getting away with prosecuting for " hot checks ''. Poor people, like me, who can't afford an attorney, get railroaded into either doing jail time or paying over XXXX XXXX dollars more in fees. I called the DA 's office in XXXX County to confirm this and as they didn't have a case with my name on it yet, they did confirm that they are prosecuting for Ace Cash Express, despite it being against the states constitution, and was advised to seek legal counsel. If I could afford an attorney, I would have paid the loan off.
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| 12/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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Threatening Email sent to me from someone I have no idea who they are, who the company is, what they are referring to, they never use my name, never gotten a formal legal letter or served papers, & I don't even live in the state of Kansas.
XXXX XXXX XXXX XXXX XX/XX/2021, XXXX ( 3 days ago ) XXXX XXXX, The nature of this email is to ascertain your attorneys information.
Attention My name is XXXX XXXX.
I AM FROM XXXX XXXX XXXX XXXX FIRM and the reason for this email is to inform you that you are listed as the primary subject in a question regarding a case being downloaded.
Case Id. XXXX Customer XXXX Debt amount - {$840.00} We regret to inform you that if we do not obtain the payment of {$840.00} in full before today ( deadline ), we will have no other alternatives but to undertake court actions against you in order to retrieve the debt amount for our client.
We still trust court actions will not be necessary and look forward to receiving payment by return.
Let me relay all the informations from the affidavit first, Our client is pressing charges against your name regarding three allegations : 1. Violation of Federal banking regulation 2. Collateral check fraud 3. Theft by deception =============================================== The affidavit states that your name was monitored online using an email address in order to solicit funds from a website owned and operated by XXXX XXXX XXXX ( Ace Cash Express ). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for an Electronic Funds transfer.
When they attempted to extract the funds back as repayments the EFT was returned constituting a worthless electronic check. As of now rather than chasing you for money they have simply decided to write this money as loss and declare it to be stolen as well as press charges against you in the state For you this means TWO things.
1. If you are on any state supervised probation on payroll you will need to contact the officer and make them aware of what you have done.
2. If you have any prior convictions including but not limited to worthless checks, grand theft or money laundering please be aware they will handle your case as that of an habitual offender as your state is a zero tolerance state.
This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded The entire cost incurred to execute the legal charges against you is {$7400.00} which will be levied on you please beware this excluding your bail charges, attorney charges and the due amount.
Finally you do have a right to an attorney. If you dont have one or you can not afford one then one will be appointed to you. Please make sure that you have someone to get out when the judge hears your case.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : XXXX Regards XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, KS XXXX
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| 01/27/2016 |
Yes |
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- Payment to acct not credited
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Web |
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I am now getting harassing emails on top of the phone calls.
Here is the latest email : Loan/Debt information Reference No : XXXX Due Amount- {$970.00} Loan Company/Lender- ACE INC.
We are here by to inform you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX Has Stated XXXX Serious Allegations Against You And They Are : ( 1 ) Violation Of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft By Deception ( XXXX ) And The Biggest One Is E.F.T. That Is Electronic Fund Transfer Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you.
We believe that this was not your intent and that these steps are unnecessary.
We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ).
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX OFFICER XXXX XXXX, ACE ATTORNEY Copyright 2006 XXXX | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communication 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, re-transmission, 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.
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| 04/27/2016 |
No |
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- Charged fees or interest I didn't expect
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Web |
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On XXXX XXXX, 2016 I applied and received a payday loan from Ace Cash Express ( # XXXX - XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) in the amount of {$1400.00}. On XXXX XXXX, 2016, I realized that I missed my due date ( XXXX XXXX, 2016 ) which coincides with my payday. I called early in the morning from work on XXXX XXXX to let them know I would be stopping by after work. On XXXX XXXX, XXXX, I renewed the loan amount of {$1400.00} by paying the fees and interest in the amount of {$290.00}. Upon leaving, I assumed my due date would be on my next payday ( XXXX XXXX, 2016 ) as I had been accustomed to. Although I did receive a copy of an agreement for the loan ( which is not an original copy of the signed agreement since the originals bear my signature and the copies they gave me do not ) the information/details were not communicated verbally. On around XXXX XXXX, 2016 I went to the store and spoke to XXXX that I had found my agreement of XXXX XXXX, 2016 and pointed out that the due date was not until XXXX XXXX, 2016. She was unable to help and stated she would let the manager know. I spoke to the store manager XXXX several times and she stated she " could n't do anything '' about it. She suggested that I try their customer service number. I called customer service twice, on XXXX XXXX at XXXX and on XXXX XXXX at XXXX ( reference # XXXX ). Both times I was told that this would be escalated to the DM and RVP and that they would be contacting me within 24-48 hours. I was not contacted within the time I was told nor by the DM or RVP. The only person to contact me was the store manager XXXX stating that the DM had said they called me several times and that basically they could n't do anything about it. On XXXX XXXX, 2016, I went in to make the full payment, but XXXX asked if I could wait until XXXX XXXX to see if I would get a phone call from the DM. On XXXX XXXX I went and made the full payment. Later that afternoon when I was on a third call with customer service, the DM XXXX calls me. We spoke for 23 minutes. After explaining and expressing my concern, he seemed to understand and agree that it was unfair that I ended up paying double the fees and interest on the same loan within the same period of time. He said he could not promise anything but regardless of the answer he would call me on Tuesday, XXXX XXXX, 2016. I called XXXX on Tuesday at XXXX and left him a message reminding him that he stated that he would call. XXXX did not call. The main issue is that within the period of XXXX XXXX, 2016 - XXXX XXXX, 2016 I ended up paying twice the fees and interest on the same loan when I should have been allowed to NOT renew the agreement on XXXX XXXX, 2016. Instead it was deceitfully extended and the company ended up double dipping into the fees for the same time period. The manager XXXX clearly stated that it was a business process to tell and verify with the customer the due date more specifically if they were early. XXXX even agreed that it did n't make since that I would have extended the loan 3 weeks early.
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| 10/18/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Today, I have a recording from a vendor of yours that was beyond horrific. I have the recording on my phone and can forward the copy over. I am going to the news and am going to play this audio that will impact Ace and its customers drastically. Let me rewind this for a second, Yesterday my sister and mother called me telling me that someone was calling them blocked and promised them that I was going to get arrested today. They were harassed by an XXXX number and were called over 5 times a piece within a one-hour window ... They told my family they worked with the authorities. ( Which is a crime to impersonate an officer ). In addition, they got called by multiple different numbers and blocked numbers from the same person. I was at work and my XXXX XXXX XXXX to cause me to almost have a XXXX XXXX. This morning, I called the number back and have the full recording on my phone that is a little over 15 minutes long. The female who answers the phone told me that processors were trying to find me and that they had no control over how many times they call people. They admitted to breaking a couple rules here and there but stated it had to be done to collect on past due customers. I requested to speak with a manager and or legal team to report the harassing phone calls to my family and myself. ( Mind you- every phone call can result in thousands in fines per the FDCPA Act ) I was transferred to the owner who told me he was an attorney and he began to call me names and called me a loser! I told him that he was breaking laws and he said this was past the collection stage so that he could talk to me in whatever manner he wanted to. The way Ace allows vendors or third-party agencies to treat their customers is beyond unacceptable. I am going to contact the CFPB, the XXXX, The federal trade commission and post blogs on social media to create a class action lawsuit. There is no way a vendor or third party agency should be above the law and not held to the same standards as other companies. Who is ACE contracting to collect on their loans? Why does Ace treat their customers so poorly and believe that this is acceptable? Please have a member of Legal reach out to me by end of day tomorrow or I will contact my attorney and put together a class action lawsuit. I live in XXXX so I have no issue walking the call down to any location so that this person and company can be taken down. I have a serious medical condition and I might have to be admitted into the local hospital along with my family members. This company XXXX XXXX or XXXX XXXX is used and backed by ACE to treat its customers like trash while breaking laws. Ace needs to be held accountable for all of this. Contact me by end of day tomorrow or I will reach out to the media and play the call on live TV. I typed the number they called in from in XXXX and other customers are getting the same response. Let me know what email is needed to forward the call over. I have screenshots and can prove this company was hired by Ace.
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| 04/30/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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On Saturday XX/XX/XXXX, at XXXX PST, I received an email from a company I did not recognize, or I have never done business with, regarding a collection email, which I have deemed fraudulent. I have posted a copy of the email below : FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XX/XX/XXXX Cost of the Lawsuit-XXXX Courthouse Address-XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX XXXX , NY XXXX ).
Legal Charges-Section 19 ( A ), Clause 21 ( US ).
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention.
We are going to file a lawsuit in next 24 hours at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.
Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
To resolve this issue ASAP, Kindly emails us immediately.
Thanks & Regards, XXXX XXXX XXXX.
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| 05/21/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted by a company claiming to be Ace Cash Express in XXXX. The representative stated that a server was on the way to my house if I didn't take care of this debt with them right now on the phone. I would have to call back and give a person a code in order to intercept the server. I was threatened with legal action and garnishment. The communication tactics were threatening and very aggressive. I called to reason with the person. They would not take payment arrangements. I asked for debt validation. After not receiving any information for more than a month, I called them yesterday ( XX/XX/20 ). The lady I spoke to was very aggressive, making threats. She refused to give me an address, saying that bc they handle sensitive cases such as divorce and child support, they don't give out their address bc they have to protect their clients. She asked me to hold while she looks for their P.O. Box then returned to tell me they only take electronic payments and could not give me an address. I asked for a website and she told me that they didn't have one bc they were a private company. She said they were a pre-litigation firm and the judge would add {$2400.00} to the amount that I owe. She said that I should pay my bills if I didn't want to be in this predicament. She was yelling and being abusive. I asked for a manager and she stated that I could not speak to anyone else bc she was the floor manager. I tried to set up reasonable payment arrangements and she said that was not possible if I wouldn't agree to pay {$100.00} today. I told her that I didn't believe I owed the debt because I have not received debt validation from them. She hung up abruptly. I called the number back, hoping to get a different person. The same lady with a XXXX accent answered the call and said, See xxxx ( my name ), I am the only one you can speak to. If you call this number, I will answer bc I am the manager. She did not say Hello or tell me her company name. I told her that she was aggressive, rude, and disrespectful. She said well, you should pay your bills. I hung up and a lady called me back. This person apologized for other lady. She gave me her name and went over details about the alleged debt. She said that she couldn't take less than {$150.00} ( other lady said 100 ). I asked about a settlement. She gave me an amount of {$400.00}. I said I didn't have that amount but could pay {$320.00}. She agreed and promised that I would have a paid in full receipt within 15 minutes and that I would have a letter that would be all I needed to have item removed from my credit. I asked what name would appear on my bank statement, she said XXXX XXXX. I told her that other lady told me Ace Cash Express. She said they were a pre-litigation firm. I didn't receive receipt or an email. After 6 hours, I still didn't receive anything. Even this morning. The phone number given to me was XXXX.
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| 04/19/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I have repeatedly told every person that has emailed me I have never borrowed money from this company and I do not intend to pay for something that is not mine. I've repeatedly asked not to be contacted and I am including a copy of one of the numerous unwanted emails demanding money or they will file a lawsuit against me. See below XX/XX/XXXX XXXX To :XX/XX/XXXX Bcc : XXXX Mon, XXXX XXXX at XXXXXX/XX/XXXX Case XXXX # XXXX Subject : XX/XX/DebtRecovery Balance Amount : {$890.00}.
Dear Debtor, We are going to file a lawsuit very soon at United States District Court against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
This is our last warning to you ; kindly update us ASAP so that we can proceed.
Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$4200.00}.
Do update us with your intention that you want to resolve this case or you want to dispute.
If you want to resolve this matter then we have settlement amount for you ; 1. If you can pay the amount which is {$490.00} by Today then we can close your file with this amount only.
2. If you are looking for a weekly payment then you have to pay a total amount of {$800.00} with payment arrangement and you can pay {$100.00} weekly till paid in full.
3. If you are looking for bi-weekly payment then you have to pay a total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
AGAIN IF YOU WANT TO RESOLVE THIS MATTER THEN CONTACT US IMMEDIATELY ON THIS EMAIL.
Yours Sincerely, Collections & Legal Department.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX @ XX/XX/2021 XXXX Privacy |Career| Terms of use 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, transmission, dissemination to unauthorized persons or other use of the original message and any attachments are 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.
Reply, Reply All or Forward
|
| 01/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
Older American, Servicemember |
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My prepaid XXXX debit card issued to me by ace check cashing @ XXXX XXXX XXXX XXXX NC XXXX, has been comprimised as of XX/XX/2022. I have had unauthorized charges and or withdrawals taken from this account. I recieve my XXXX directly deposited to this card. My funds were not available to me when i went to make a purchase today [ XX/XX/2022 ] and i was una ble to do so due to lack of funds which is when I became aware that my card/account has been used by an unknown unauthorized user. I proceeded to Ace check cashing located on XXXX XXXX and notified them that my card has some unauthorized charges. After doing so I was issued a temparary card and given a XXXX number to contact. So i called the XXXX number [ XXXX ] the agent answered the phone i explained that my debit card was being used by someone I was not aware was using my card. The agent responded i can help you with that. Then the agent asked me for the information from the temperary card as well as my email adress and phone number to verify my account and identity. I provided the agent with this information at which time the agent responded that they begin to rectify the problem and after a brief message I would recieve a confirmation number and they would be in touch. So i waited for the confirmation number aproximately XXXX seconds and the line went dead. When I called back to inform the agent that I did not recieve a confirmation number prior to the call being disconnected a diffrent agent aswered the phone and told me that this line was for retreving coupons and dicounts at grocery store chains. I replied i just called this number and informed the agent that my debit card was comprimised and he proceeded to tell me that he was able help me in addition to collecting my card information. This new agent replied once again that this is a couponing agency and proceeded to give me a new number [ XXXX ]. After calling this number and recieving a number not in service message I called the original XXXX number I was given [ XXXX ] again and was again told that this was a coupon hotline. So i asked the agent why did they both agree that they could rectify my issued with my card and collect my card information. The agent responded I dont know sir I was not the agent who answered that call. Then he once again went into his sales pitch for the coupons at this time I ended the call. Then I googled who to contact for debit card fraud and I was given the XXXX number. I called both on the weekend and after office hours so I was refered to this website and I began to submit my complaint. I would like to also note that this XXXX number that is a coupon line is also the reference number displayed on the back of the debit card I was issued by ace check cashing of XXXX XXXX. [ XXXX ] The total amount of finanance I lost is XXXX $ over the course of this month through unauthorized charges.
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| 05/06/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This company called my husband on XX/XX/19 about an outstanding debt that had been paid off years ago. They wanted payment over the phone and when we asked for written record of the debt, as well as wondered out loud why we'd never, ever, ever received anything in writing about the debt still being outstanding, the woman asked, " Oh, you didn't? '' then got REALLY quiet, and then we were mysteriously disconnected and no one called us back about this matter that was supposedly VERY urgent only moments ago.
When I called back to inquire about a company website, or a way that I could verify -- even through a third party -- the legitimacy of the business, I was told that there was no website because they " didn't serve the public. '' When I was told they were a " mediation firm '' where people could pay into their outstanding debts, I noted out loud that it seems like that would be " serving the public, '' and that if I could be asked to provide my credit card information over the phone to pay a supposedly outstanding debt, I should be able to verify online in SOME way that the company was legitimate.
I asked to speak to a manager, who consistently interrupted me, would not provide me with verifying information, and eventually berated me by saying that he thought it was " pretty XXXX that you would call a number back that you thought was a scam. '' I reiterated that I was only trying to verify that the company WASN'T a scam. When he finally gave me the full name of the company, I brought it up online while on the phone with him and told him that our situation sounded like an exact replica of several other complaints on their XXXX website. I asked why he wouldn't be able to provide a physical address or other way to verify the legitimacy of the company and he said that he could not provide a physical address " out of protection for his employees '' ( fine, I get that ), and that he couldn't provide me any other way to verify the company 's legitimacy without first having our case number and my personal information. We went around this probably a half dozen times, and it always ended by me saying that I didn't believe my personal information OR the case number were material to simply having SOME third-party way to verify that the company a ) really existed, and b ) wasn't trying to take money illegally from people. I made it clear that scam calls are common and that he should understand that, and that numbers like that get reported to the FTC.
After he berated me some more about how ridiculous and difficult I was being ( odd response, given he wouldn't give me ANY way to verify the actual company ), he gave me his extension and told me that I could call him if I wanted to ( after telling me never to call them again ) and then hung up on me.
They never responded to our request about receiving record of the debt in writing.
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| 07/29/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I don't owe them anything ; I keep getting emails from these people from time to time. I never get any calls. etc. but every now and then I get these crazy emails and it needs to stop. Again, I never took a pay day loan from them.
XXXX Re : ARREST WARRANT ISSUED_REFERENCE-CASE FILE NUMBER : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message Ms XXXX To : ACE CASH EXPRESS XXXX okay, I'm forwarding this email over to FCC, other government officials and the internet crime center, etc. I already contacted the attorney general office for my state, the state police as well as the local police.
On Tuesday, XX/XX/2020, XXXX XXXX EDT, ACE CASH EXPRESS XXXX wrote : ARREST WARRANT ISSUED CASE FILE DOWNLOADED LAWSUIT COST - {$2500.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LAST DATE TO FILE LAWSUIT TODAY SETTLEMENT AMOUNT- {$300.00} ( ONE TIME PAYMENT ) This is in reference to your Case File Number # XXXX with ACS ( ACE CASH SERVICES ) in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you.
Your account with XXXX is in Final Collections. According to our records, your outstanding balance was {$690.00} 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 of {$300.00} 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.
Or, else we won'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 the 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 law suit which will be amounting to {$4500.00} and 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 {$690.00}.
Thanks for being our customer, Best Regards, XXXX XXXX Customer Service Manager, ACS United States
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| 09/21/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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This company contacted me on XX/XX/2020 regarding a debt I've disclosed was opened without my permission. They stated they will show up to my personal home address to serve me and then stated that they are in jurisdiction to have police arrive with them. They claim they have the legal authority to do so when I questioned a debt collection agency representative showing up at my home. They said they are not a debt collection agency and don't have to follow as such. Told me I should study law and understand they are within their rights to call me names and threaten to show up to my home with police, because it's not illegal. I was called " ghetto '' by a XXXX XXXX and continued to be told they would contact me 100 times a day on a dialer since I wouldn't stop calling them trying to rectify the situation. They also said they would not document that I was requesting information on how to get this handled since account is not mine, and they stated they would document me as a refusal and show up to my home. I spoke with 3 different representatives. I unable to capture the first one 's name because he refused to provide me with company information upon request. Refused to send any written correspondence or confirm a good call back number so I could confirm was not scam. When found number to call, it went to ONE rep, XXXX XXXX, who continued to hang up on me every time I called and tell me they would only talk to a " irresponsible '' person like me when I hired an attorney. I explained I'm not hiring an attorney and that I wanted the calls to stop since they weren't wanting to talk to me, and XXXX XXXX stated they will call as many times as they liked. As well, no mini-miranda was stated at any point during any of the calls, not inbound recordings or when inbound to rep and not once during the outbound calls made to my cell phone after confirming they were speaking with me during the one phone call. I attempted many times to contact the company back and continued to get the same representative XXXX XXXX. A rep XXXX XXXX also told me he wouldn't talk to me but instead contact my supervisor and tell them what I'm responsible for, he said he was sure they would love to hear how I don't like to pay my bills. I advised that I do not want any contact to employer and I was immediately transferred to XXXX XXXX. They state that the calls are recorded but told me that I was lying about the statements made to me and refused to assist me any further. I am worried my information is being shared without any validation they are speaking to correct party or disclosing this was a debt. I apologize if this is all over the place as I am beyond frazzled and scared that this is going to escalate and I could lose my job over this due to calls.
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| 07/12/2020 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
Servicemember |
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On XX/XX/2020 I received an email from XXXXXXXX, ACE CASH SERVICES, stating that I was going to be legally prosecuted, reported to local sheriffs office, reported to my employer, have my wages garnished and reported to credit bureaus for past due loan that I have NO IDEA about!
CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXXXXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter.
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future.
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep.
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ).
In order to resolve this you can contact us at XXXXXXXX or E-mail us back onto the same email.
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
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| 01/06/2017 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Impersonated an attorney or official
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Web |
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I have received several calls from this company on my cell phone and XXXX other lines on my cell phone account claiming to be an attorney 's office and have also received the following email in my spam folder : NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN : XXXX ROUTING NUMBER : -XXXX DL-XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : {$430.00} Defendant XXXX We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court . Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case.
Be notified that documents are being prepared for the issue of summons regarding the above debt.
JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged.
( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit.
FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts.
( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance.
Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment.
You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious.
If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable.
NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
Sincerely, Law & Investigation Department ACS CASH SERVICES
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| 02/16/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX ) XXXX that stated I was having two allegations from XXXX County which I then begin to panic. The gentleman provides me with a reference number XXXX, and a phone number to call XXXX XXXX XXXX XXXX. I call the number and Im speaking to some girl and provide her with the reference number and she begins to tell me that ACE cash express is filing legal proceedings for two allegations against me for : 1. Broken legal contract on failure to repay the loan, and 2. Attempting to defraud ACE because I knowingly failed to repay. I am completely unaware and blindsided by this that I explain to the lady that I never received any mail in regards to this as I do not receive mail at my physical address, and that I use a PO Box . She stated that I would have to pay upwards of {$3000.00} if it were to go to court and I would have these marked in public records making it hard for me to get a house or new car, etc. I ask her if there is any way to take are of this issue and she stated that she would talk to her legal advisor. After being on hold for 1 minute and 30 seconds she comes back on the line and says that they are willing to settle and not take me to court if I paid {$1800.00} to the company by the name of XXXX XXXX. After stating that I couldnt pay that now she was able to make a payment arrangement of {$450.00} bi weekly that would be drafted from a company named XXXX, but I would have to secure a debit card on file. None of these companies match or correspond to anything I have ever heard. After I asked if I would be receiving a receipt or some type of document stating my name and who I was paying to and the amount she stated, the best I could do for you is give you a confirmation number. I began pressing the issue and she stated that upon completion of payment for the entire {$1800.00} I would receive an email attached with the deferred documents and legal action would no longer be taken against me. I mind you that the initial loan was only {$200.00} on an account opened in XXXX of XXXX! This is mind boggling, and I feel shaken in my boots because I have never been notified of this issue. I feel like they waited so long, if this real, just to get more money out of me. I dont know what to do. Ive never been in any legal action and I feel threatened, worried, and confused. Also, when I asked if XXXX County, the county I reside where the loan was initially taken out, would have any documentation of this issue she stated, feel free to reach out to them. I also asked for another phone number to call and she said that they would be the company proceeding this matter. This is crazy and I need help.
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| 09/26/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Yesterday on XX/XX/19 I received multiple phone calls from a lady claiming to be a compliance officer contracted with XXXX County Florida. She called my job, my parents, my ex-husband, and a person that is under a legally binding restraining order from my daughter. When she contacted my HR department, she told them that I was involved in a legal criminal action lawsuit. When I returned the number in case file, they said they were XXXX XXXX XXXX. They said it was in reference to a payday loan. They said that if I did not cooperate, they would seize all of my bank accounts and assets. They said that I would never be able to open an account in the United States again. I hung up, and contacted an attorney I know. I called back with him, and a different person answered the phone with a different name. When I asked to directly pay the debt, she said it would be very hard to convince these attorneys to take my payment and they had been working on it so I would have to pay more money. I told them they did not have permission to call me at work, and not to call me at work. Phone number XXXX. Case number XXXX. I hung up. The attorney that I called with said it was a scam. This morning, XX/XX/19, I received several more phone calls from an unknown number. My HR department also received another threatening phone call from this compliance officer. I answered the fifth phone call, and the lady started screaming at me on the phone. She stated her name was XXXX XXXX, and she worked for XXXX County. She started telling me that I am being located, and found. And that the police would be coming to my job. I explained that I had already called ACE Cash express, and this was not the company that my loan was sold to. She hung up on me. She then called back and left a threatening message that I was facing legal charges for hanging up on her, and that I would never have a bank account in the United States again. I called ACE Cash express to resolve the issue, but they sold my loan to someone else, so therefore I called that number, and they sold to someone else. I left a message at the last known number to pay my debt. These people claim to be XXXX XXXX. I would like to report this because I Specifically asked them not to call my work, and they continue to call my HR department. Also misrepresenting information to me and my employer. They also called someone who was under a permanent legally binding restraining order from myself and my daughter. This whole incident was very upsetting. I do have an outstanding loan somewhere, but I am not sure where to pay it. I am not opposed to paying it, I didnt realize that I had that loan, and I moved last year.
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| 02/11/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX XXXX have claimed that I owe them XXXX dollars and told be to pay them by using prepaid cards. And is currently saying that they will sue me if I do not pay, but I remember paying it off, or so I thought. Below is the email they sent me : LEGAL ATTORNEY Mon, XX/XX/XXXX, XXXX XXXX ( 3 days ago ) to me This is ACE XXXX XXXX XXXX XXXX XXXX it is a parent company which owns and operates more than 350 parental payday loan websites- XXXX XXXX XXXX , XXXX XXXX & XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX etc. You have used one of them to get this loan approved and you never bothered to pay this debt, so the creditor wants to know your intention about this matter of yours. What would you like to do? The principal amount was {$300.00} and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount of {$300.00} goes up to {$980.00}.
We are talking about the loan amount of {$300.00} that you took with the company ACE, they do have a signed copy of the contract which is signed under your email address XXXX and also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The company has more than 14 technical pieces of evidence in order to prove the money was successfully deposited into your bank account.
We have settlement amount for you : 1. If you can make a one-time payment of {$400.00} by today then we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay a total amount of {$500.00} with payment arrangement and you can pay {$100.00} bi-weekly till paid in full.
3. If you are looking for monthly payment then you have to pay a total amount of {$600.00} with payment arrangement and you can pay {$200.00} monthly till paid in full.
Kindly let us know what type of payment arrangement you are looking for.
Do provide us with the date on which you can pay so that we can update your account.
We would like to update you that once you will pay off the balance thereafter we will provide you a Full And Final Payment Receipt stating that your account has been paid in full with XXXX balance and you are no longer a debtor for the company. Also we will remove your name from the Major Credit Bureau.
Do revert back for any queries, And I said it's okay, that I don't mind paying in off, but there is no way I will do prepaid cards, especially one that I do not know. I would rather pay in check, debit card, or cash order if needed. I just never knew that I had a debt still, since they took money out of my account repeatedly
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| 11/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I used a referral link https : XXXX to download the XXXX app, but I saw no confirmation upon sign up nor did I see anywhere within the app to add my referral. I requested by email that XXXX confirm the referral is on my account and that I will get the {$50.00} bonus if I receive a qualifying direct deposit of {$500.00} or more. XXXX email and phone support agents refused to acknowledge my promotion eligibility despite it being publicly offered here XXXX XXXX XXXX and me fulfilling the signup terms.
I used the referral link https : XXXX. It goes to the XXXX website. The website then links to the XXXX and XXXX app store, with no personalized referral link, where I downloaded the app. I signed up assuming I was a referee. Nowhere in downloading the app nor in the signup process did it allow me to enter the referral code, or " order a card using the link provided '', or display the referral code in the original URL link. I asked XXXX by email and phone to please confirm the referral code XXXX : XXXX is on my account as a referee. XXXX said it was unable to provide any confirmation and admitted by email that its system does not even allow the bank to confirm which codes are on which account : " Please be informed that we do not have visibility of your referral code and usually referral code will be included to the referral link email that you received. '' XXXX advertises the referral program but provides no way for referees to confirm the referral promotion is applied to their account nor eligibility for the {$50.00} promotion upon completion of the {$500.00} direct deposit. None of my account creation emails or materials provide any confirmation nor terms of the bonus despite this being advertised to the general public and the referral links successfully linking to the website.
This is unfair and misleading as it tricks consumers into thinking they are a referee eligible for a {$50.00} promotion, thereby eliciting a direct deposit of {$500.00} with a promotion that is promised to the consumer but without confirmation of the terms provided before depositing the money. This also harms referer 's and robs them of their {$50.00} for the time they spent in acquiring referrals. XXXX is unfairly and deceptively tricking customer-referrers into advertising the product, promoting its website, and new referees depositing money with no confirmation of the terms nor way to track the earning of the promotional value offered.
To date, I have received no automatic confirmation nor will XXXX provide a manual confirmation of the promotion being applied nor that it will be honored manually.
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| 10/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.
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| 05/04/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/2020 : received a call that I missed in which they left a voicemail stating they were calling me as a legal representative in regards to a case number and that they would now have to contact my employer to locate me. Then given the number to XXXX to call.
I called to find out what it was because I thought it was something in regards to my unemployment benefits since Im currently out of work and needing the assistance. I was then told it was for ace cash express and I needed to pay XXXX and I stated I couldnt pay that right now so they gave me an amount of XXXX for by-weekly installments I was driving and asked if I can call back and the representative said if I hung up she would mark me as refusal to pay. I was driving.. I ended up disconnecting as I got to my destination.
XX/XX/2020 : I received a second call from the legal representative in which she ends the call with my name and you will be located .... in a threatening manor. So I call the 855 number left again and was then trying to figure out more information about the legitimacy of this company but they refused to answer when I asked who they were. And so I hung up.
I felt intimated and then just reached back out to same number and got a representative on the line who then placed me on hold and transferred me to the representative from from. I then explained to her at this point I wasnt able to fulfill an agreement of paying the amount of XXXX dollars BI-WEEKLY as I wasnt working right now due to corona and not expected to return back to work at the end of month. Hopefully. She then said she was going to put me on hold and see if she can talk to in-house counsel to hold off. She placed me on a 1 minute hold and said nope they cant hold off, so she is going to have to put me down as refusal to pay. and an officer was going to locate me at my address to take me to court. I didnt refuse to pay anything nor have I ever refused to pay this company, I have had little to no contact that I can recall from ace to collect payment back on my payday loan borrowed.. I tried to work with their hired debt collector to see if I can pay when I began working and they refused. So now they are threatening to serve me and cost me XXXX of court fines from a XXXX dollar loan I owed in which I was paying on through payments.. I feel as this is unfair to me as I wasnt given much option to pay back what I owed especially since Im out of work right now and have no income to pay. I feel just harassed at the fact I was threatened to have officers look for me at my old job, home, etc..
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| 02/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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Was sent this email and I have never taken a loan out. It keeps coming up in my spam email.
CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter.
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future.
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep.
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX AM to XXXX PM ( EST ).
In order to resolve this you can contact us at XXXX or E-mail us back onto the same email.
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
|
| 09/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
ACE XXXX XXXX To : ACE XXXX Thu, XX/XX/XXXX at XXXX XXXX CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter.
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future.
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep.
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) -XXXX-XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ).
In order to resolve this you can contact us at XXXX or E-mail us back onto the same email.
Best Wishes ACE CASH SERVICES Phone ( XXXX ) -XXXX-XXXX Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
|
| 03/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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I received a message from phone number XXXX stating that if I did not call " XXXX XXXX XXXX '' back at XXXX then paperwork would be filed with the county XXXX where I live. I called the number back and was put on the phone with a " XXXX XXXX '' ( direct number XXXX '' who was very rude. He was very quickly stating information that I owed {$1400.00} to Ace Cash Express and that if I did not pay in full today, not only would paperwork be filed with county XXXX, but I would also have criminal charges brought for " check fraud ''. Mr. XXXX repeatedly hung up on me ( five times ) when I tried to get more information from him. He claimed I was issued certified letters which I never received or signed for. He stated I was being evasive and abusive by asking further questions. Because of his threats and intimidation, I did agree to make payment. I was transferred to " XXXX XXXX '' phone number XXXX to make payment. She stated I would have to call my bank because the charge was being blocked for fraud. It was eventually put through and my card was charged for {$710.00}. I then received an email from " XXXX XXXX XXXX XXXX '' asking for an electronic signature for the payment agreement. This did not match where the numerous people on the phone stated they were calling from. When I check my bank account activity, the payment shows it was charged to " XXXX XXXX XXXX '', also not where anyone said they were calling from. Since none of these names matched up and I had not gotten email confirmation/receipt for my payment, I called back to ask for clarification on where I just paid. I was again transferred to Mr. XXXX. He hung up on me for the sixth time of the day when I asked for more information. I then called Ace Cash Express who let me know that I did in fact have a balance with them, but it was only {$280.00}, NOT {$1400.00} as stated by Mr. XXXX. They let me know they sold the account to a " XXXX XXXX XXXX '' phone number XXXX. I called XXXX XXXX XXXX who let me know they did not hire any mediation firm and were not even actively collecting on the account. They stated they certainly had no plans of filing court paperwork or attempting to file criminal charges. They asked me for the information on who just called me which I gave. XXXX XXXX XXXX does not recognize " XXXX XXXX XXXX '' as anyone they work with. They told me I was likely scammed. I then called Mr. XXXX back who did agree to refund my card, but stated he was filing court paperwork to " have me prosecuted '', called me an " XXXX '' then hung up on me again.
|
| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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|
Web |
Older American, Servicemember |
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A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.
|
| 06/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
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I received an email on XX/XX/2020 stating I owed an outstanding balance of XXXX ( higher than actual amount owed ) and that the 'law firm would settle for XXXX '. Then stated if I do not respond to the email in 72 hours they would, garnish my wages, contact my employer and ftc.
I responded back by asking for a debt validation & what kind of payment plans they offer. They stated it was from ACE loan online and I could pay a one time payment of XXXX paid in full by friday XX/XX/2020. I again asked for debt validation and I received a response saying I could pay {$850.00} today or 2 'payment of XXXX from today.. ' and " if you are looking for the payment arrangement then you can pay in five installment of {$280.00}, kindly update us the date from which you can start making payment. Do revert ASAP '' I again asked for debt validation then received an email addressed to XXXX XXXX stating if he wanted to pay his debt he had to get a vanilla prepaid card and load the funds onto that card and email it to the law firm.
Becoming suspicious I again asked for debt validation, and I received an email stating that once the payment will go through they will close the case file and provide a receipt stating paid in full.
I then emailed them stating I would not reply to any form of communication if I did not get a physical copy of debt validation. I stated I would be reporting them to the FTC, XXXX and the CFPB.
I then received the following email " We're Sorry! We cant disclose if you want to see documents then you need to help me out with your attorneys information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things into your local county courthouse. we're not denying that you will not get anything once your file has been submitted for garnishment then we will manage to send soft copies of your documents at your physical address but at this point, there is no way to help you with Date 's and Time. Do revert ASAP Thanks & Regards XXXX XXXX XXXX XXXX '' I responded by stating that their email was reported as a scam to extort money from induviduals and I was forwarding it to the places I stated in previous emails. I then told them if anyone would garnish my wages or attempted to access my bank account that I would close it and put a stop payment. and since they are not validating the debt I have no reason to believe anything stated in the emails. They have refused to validate the debt.
|
| 11/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Received a voicemail from a person claiming to be calling on behalf of XXXX County and was calling to inform me that unless I called them back, they were going to make " multiple attempts '' to serve me papers at my home and place of business between the hours of XXXX and XXXX the following day or and if they were unable to, I would end up missing my scheduled court date. Caller provided me with a case number, their return phone number ( XXXX ), and a name ( XXXX XXXX ). Since this is not the first time I have received a strange call like this, I proceeded to call the XXXX County Clerk and District Clerk to try to verify the case number, check for any court dates if applicable, and find out what the matter was in regards to. After speaking with several different departments at XXXX County, I found that XXXX County had ZERO records of any such case number or my name in their system at all.
I proceeded to call this XXXX XXXX back at the number provided and he informed me that the call was in reference to an old payday loan debt with a company called Ace Cash Express. This is the same company/debt that I had already filed a complaint against with the CFPB a couple years ago because they called impersonating a XXXX County Deputy ( they even made the caller ID show up as XXXX County ) and threatened to have me arrested if I did not pay the debt. Since this is against the fair debt act, I filed a complaint but the complaint ended up being closed with no resolution because when CFPB contacted Ace Cash Express, they denied the claim/debt was theirs and the debt collector that they had sold the debt to refused to respond at all. CFPB requested additional information since they were unable to get any response but since the debt collector refused to give me any more information I had none to provide and the complaint was eventually closed.
Now, two years later, I am getting the same threatening calls at my pwork. This time threatening to seize my car and take me to court if I did not pay the debt TODAY, and that if it ended up going to court, that the amount due would be 5 times more than the amount they were asking for now.
When I explained that I had already filed the complaint with CFPB the last time they called ( to which they had never responded to ), the caller got very angry, talking very fast and threatening saying " they were owed this money '', that they " were going to seize my XXXX XXXX '', and then said " Good Luck in Court '' and hung up.
|
| 07/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check.
The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.
|
| 03/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.
On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.
I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.
This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.
|
| 08/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My name is XXXX XXXX, First let me start off by saying Im very much experience in the collection business and I was not astound by how I was being handled with on the phone. I received a very unprofessional and threatening call by some company that works with the Ace payday services which they claimed they where a hired locator in XXXX XXXX by ace.
But I do remember receiving a {$100.00} loan from ace checks cashing place and then bad times hit! And I needed that loan now I must have lost track of the loan and forgot. This third party agency that I do not know the name of called my Mother, Father extended family and literally stated to each of them that they are a locator for XXXX XXXX gave them a classified number which they stated is a case number for XXXX XXXX but possibly might just be a file number in their system.
I was not running for them or refusing, but once I got the info I gave them a call back and spoke to some lady that stated her name was XXXX.
She was going into that I owed {$100.00} and plus addition charges and late fees totaling over {$350.00} dollars but before I could even respond, she started threatening me with legal charges saying that I violated a contract committed fraudulent activity and will be paying additional {$1200.00} ( around that number ) for arent fees if it goes to court. And then afterwards she stated I can either negotiate the balance to pay off of be in court I kept stating to the rep or whoever she was that I was willing to pay the {$100.00} she stated she will only accept the {$300.00} continuously asking am I paying it today threatening me if I dont not it will be charges. I became upset for how she was abiding the conversation I hung up the call and she still called random family who I havent spoken to worry them and violating a right of discussing of sharing personal business and threatening legal actions and using unnecessary tactics and abusing you power of rep and most likely just a regular debt collector. My father also just called not to long ago telling me that I have a pending case with XXXX XXXX by the same person I spoke to the first time trying to get in contact with me. We also was receiving private calls with no caller Id which I think is very abnormal.
I do hold ace check cashing place responsible For breaking sever consumer rights and marketing rights. I was Harressed, Threatened, blackmailed, misinformed and personal business was shared with another party without my permission.
|
| 04/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I have received 2 Fraudulent emails from Ace Cash Express demanding money from me on a loan that I have paid off. ( see below ) ACE CASH EXPRESS XXXX XXXX ( 8 hours ago ) to me We are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80 parental payday loan websites like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account.
We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Do reply ASAP.
Yours sincerely, ACE CASH EXPRESS AND Court Case XXXX Last Date to file XXXX.
We are going to file a lawsuit in next 24 hours at United States District Court XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.
Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}.
Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries.
Thank you, ACE CASH EXPRESS.
|
| 10/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Called on : XX/XX/XXXX at XXXX XXXX I received a call reporting to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I am to contact a legal group about a debt. They provided no information on what the debt is for, but said I had 24 hours to reply or they will take me to court. I requested documentation on the matter and they said to reach out to the law firm.
Law firm in question is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX.
Website which looks fake - XXXX XXXX XXXX Called their number, left a message and had no call back.
Call 2 : XX/XX/XXXX at XXXX XXXX Received a call in the morning from " XXXX XXXX '' saying that they have not been told of any actions and that I will be taken to court if this is not done by tonight.
15 minutes later I am then called back about the so called debt which they refuse to provide me documentation outside of an email. They asked to verify my last 4 social, which is all that ever shows up on letters or other reports and my email. He was very unprofessional.
Current balance : {$590.00} ( {$290.00} x 2 MONTHLY ) Settlement offer : {$510.00} The email ( copied below ) does not give any history of the loan other than the company name 'Ace Cash Express ' and that I should pay over the phone immediately or be taken to court. The 'lawyer ' also said he is pushing to go to court to make more money. So refusing to provide me proper documentation for personal gain.
Email came from : XXXX XXXX XXXX I feel I am to assume that all lawyers there use the same email address.
XXXX Email received : Please be advised that all rights and obligations of the aforementioned account are with XXXX, XXXX XXXX XXXX. Our office has retained the rights to assist you in bringing your delinquent account to a close.
You are being offered a settlement to close your account for {$510.00}. Once the payment ( s ) post to your account : it will be considered Paid in Full. Payments can be processed over the phone with a pre-paid, debit card or credit card on or before XX/XX/XXXX. If funds are charged back, this letter will be null and void.
If you have any questions relative to the above referenced account, please do not hesitate to contact our office @ ( XXXX ) XXXX, Monday through Friday XXXX. Please refer to the file number indicated above.
Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.
|
| 04/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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To XXXX Today at XXXX NOTIFICATION REGARDING CASE XXXX XXXX SSN : XXXX ROUTING NUMBER : XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : - {$430.00} Defendant XXXX We are hereby informing you that my client XXXX is going to file a legal case against you at District Court XXXX Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case.
Be notified that documents are being prepared for the issue of summons regarding the above debt.
JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged.
( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit.
FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts.
( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance.
Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment.
You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious.
If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable.
NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX-XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
Sincerely, XXXX XXXX
|
| 06/04/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.
|
| 06/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. Why am I receiving this notice? The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. What is garnishment? Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. When you know a warrant has been issued, you should E-mail us on to discuss your options. After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE
|
| 04/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for " {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 ), they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge, I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}, which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore, my understanding of XXXX law is that even in cases of an agreement made " in bad faith, '' the maximum amount that can be sued for in civil court is " treble damages '', which would clearly be substantially less than the " {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so, I have received concerned phone calls from my mother in XXXX, My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a " docket number '', and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A " docket number '' and " case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer " to make sure they take swift actions '' against me and threatening that " your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me, members of my family, or even my employer, but it is the most recent.
|
| 02/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is not my account and they are contacting me by email CUSTOMER ID : XXXX CASE FILE # : XXXX XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings has been issued on your Docket Number XXXX - XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter.
Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future.
Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep.
WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ).
In order to resolve this you can contact us at XXXX or E-mail us back onto the same email.
Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement
|
| 01/13/2020 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XX/XX/XXXX between the hours of XXXX, I went to ACE Cash Express located on XXXX XXXX, XXXX, Ohio to apply for a loan ( hoping to be approved for {$600.00} ). After giving my information and proof of income, the loan agent XXXX informed me that I was pre approved for {$100.00}. I apologized and stated that I needed approximately {$600.00} and that it was okay, I wouldnt be taking the loan out then. She repeated back to me, So you dont want to do it? I confirmed, No, thanks. She then had me sign one more document and told me I was all set. I then left the store. XX/XX/XXXX I received an email from ACE Cash Express stating that my loan was past due and was being transferred to collections. This was a surprise as I had asked the agent who helped me ( XXXX ) to cancel the loan. I called the store the next day and another agent ( XXXX ) answered my call. She notified me that yes, I had indeed took a loan out on XX/XX/XXXX for {$160.00}. That would have been the {$100.00} plus fees. I told her that was impossible because I left the store that day with no money. She further explained that I had been paying my balance down some how because now my total was {$100.00}. I expressed again that I did not leave the store with any money and no money is being taken from my bank account from this establishment. She then stated she would have her GM look into it and call me back. I didnt hear anything back from that. I then called customer service and collections, no one could help because there was no proof I didnt leave the store with money the day I went to apply. So customer service put in a request to have the district manager call me. XXXX called me promptly the next day and stated she would investigate and get back to me the following Wednesday. Wednesday arrives and I give XXXX a call, she stated that she had gotten her boss involved and she was going to the location the next day and will get back to me after her visit that day. I never heard any else and have tried to contact her and the store. I am not happy and do not feel safe with my information at this establishment and find it absurd that no one can figure this out as it is as simple as reviewing the security camera film from that day. I now have a loan in collections that I said I didnt want ( at the amount that was offered ). I feel something inappropriate occurred and now it being covered up.
|
| 05/02/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam.
CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter.
It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD.
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you.
Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.
|
| 12/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.
|
| 05/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from XXXX XXXX XXXX saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( ACE CASH EXPRESS ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted ACE CASH EXPRESS which informed me my debt was half what XXXX XXXX XXXX stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while XXXX XXXX XXXX is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
|
| 08/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.
|
| 07/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
Subject : Unfair and Possibly Illegal Treatment at Check Cashing Establishment Dear Sir/Madam, I am writing to file a formal complaint regarding an incident that occurred at a check cashing establishment, namely ACE Cash Express XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
On XX/XX/2023, I, XXXX XXXX, was subjected to what I believe to be unethical, potentially illegal treatment by the staff of this establishment. Initially, I called the store to inquire about their check cashing fees, and I was told that this information could only be disclosed in person, a protocol which I found non-transparent and unreasonably burdensome.
Upon my visit to the store, I was made to undergo a lengthy, cumbersome application process. After investing significant time in this process, I was then informed that they could not cash my check due to a box that was checked in the endorsement section.
The check in question is a government-issued XXXX refund, endorsed correctly with my signature. The staff erroneously stated that the checked box indicated it was not eligible for cashing. However, according to legal regulations, such a restriction is only applicable if the endorsement also includes for mobile deposit only, which my check did not.
When I asked to view the policy in writing that justified their decision, not only was I denied, but I was also subjected to inappropriate and disrespectful language from their staff, behavior which I find entirely unprofessional and uncalled for.
I strongly believe that this behavior, coupled with the seemingly dishonest practices I encountered, warrants an immediate investigation by an external body. I understand that the CFPB has the mandate to protect consumers like myself from such unfair, deceptive, or abusive practices, and hence, I seek your intervention in this matter.
It is my hope that, with your help, we can ensure that the practices at this check cashing establishment are fair, transparent, and in line with the law, to prevent other consumers from experiencing such ill treatment.
I look forward to your prompt attention to this matter. I am more than willing to cooperate in any investigation and can provide any additional information needed. You can reach me at ( XXXX ) XXXX.
Yours sincerely, XXXX XXXX
|
| 10/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been a customer of Ace Cash Express for many years and I have never experienced this problem with this company before. I have tried for three days to get someone to correct this problem, but I keep getting the runaround and different responses from different people I talk to.
I took out a payday loan in the amount of {$1200.00} which was deposited into my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I refinanced the loan and paid the fee of {$240.00}. On XXXX XXXX, XXXX, I refinanced the loan again and paid the fee of {$230.00}. However, now when I logged into my account online it says my current fee has now gone up by nearly double the amount and it is {$420.00}.
I called three days ago to inquire about why my current fee had now nearly doubled and one lady told me that in the state of Ohio the APR can go as high as 5 % and my APR jumped from 2 % to 3.5 % when I refinanced, however, I do not find this APR information on my refinance documents, and I do not recall seeing this on the refinance loan documents I digitally signed.
I have never had this happen to me with Ace so I was n't expecting my fee to nearly double. I called and spoke with " XXXX '' and " XXXX '' and they both told me that " corporate '' was investigating my account to find out why my fee when up so much and someone would be calling me back noon three days ago, or yesterday, but no one has called me back and every time I call, I get a different explanation of what is going on.
Additionally, on the company 's website you can clearly see the Ohio Department of Commerce 's rates and fee schedule and for the amount of loan I took out, on this schedule, it shows my fee should be around {$200.00}, not nearly {$500.00}.
I am concerned because XXXX XXXX, XXXX is coming soon and Ace is either going to expect me to pay over {$1600.00} to pay this loan off in full or to pay another extension fee but this time instead of around {$200.00}, they are wanting nearly {$500.00}.
I do not think this is fair because their fee/rate schedule for the state of Ohio that is listed on their website is not reflective of what they are charging me in their refinance documents. I have never seen a fee like this double being a customer with Ace. I would like this corrected immediately.
|
| 09/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received a phone call that a debt was going to collections. I called and the lady told me I had a debt for a cash loan through XXXX XXXX XXXX XXXX for {$500.00}, and if I solve it I would only owe {$600.00}. If I don't solve it I will owe {$2000.00} as they will send it back to the lawyer. If I if I pay by XX/XX/XXXX at XXXX XXXX. I can pay {$300.00} and solve my debt. I have never taken a loan and I called the places that do loans nobody has my information ever in their system. The main company XXXX XXXX XXXX, they are located in XXXX. she then told me that it was an online vendor And gave me an IP address. The name of her company was XXXX XXXX or a bunch of other names. When asked she said they just do. I called asking for the address and she told me she wasn't able to give that due to business and banking information on files there. She gave me a website which does not look legit. XXXX She claims I can't find the businesses online because they're only at that website and by phone. Her name is XXXX her phone is XXXX XXXX but they don't have an option for an extension and only 2 people ive spoken to when calling 8 times for more information.
When explaining to XXXX that I have never taken out a loan they continue to tell me that I was responsible for it and after I paid then I could receive documents regarding my loan and regarding the collection but they could not send me any paperwork until I made the payment to them. Upon looking up everything else to try to find out legitimacy regarding this because I know I have never had a loan taken out I have decided that I will not be making any payment to them and if it goes to my credit I will then reach out to the company and figure it out on how to report fraud in that way.
XXXX had my previous name, my new last name, my social security number, my birthday and my previous addresses as well as my current. I am worried because they have this information as to what can happen next. so far they have not proven to me that there was ever a loan taken on my name you're under my social because nobody has any information on me taking a loan ever so I can find. And I know I personally have never taken a loan.
I believe the fraud is them having my personal and private information and I am not ok with this!!
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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ON XX/XX/XXXX A LOAN WAS TAKEN OUT IN THE AMOUNT OF {$1000.00} FRAUDULENTLY. MY IDENTITY HAD BEEN STOLEN AND I WASN'T MADE AWARE OF THIS UNTIL XX/XX/XXXX. I HAD NOTIFIED ACE CASH EXPRESS AND THE LOCAL SHERIFFS DEPT. TO FILE A COMPLAINT. ACE CASH EXPRESS HAD ME FILL OUT AN AFFIDAVIT, HAVE IT NOTARIZED, AND FAXED ALONG WITH THE COPY OF THE POLICE REPORT. NO FOLLOW-UP EMAILS, PHONE CALLS, OR MAIL WAS SENT BY ACE CASH EXPRESS. ALL I WAS TOLD IS THAT THEIR DEPARTMENT THAT HANDLES FRAUD WILL TAKE CARE OF IT. HERE XX/XX/XXXX OVER 8 YEARS HAVE GONE BY AND I RECEIVE A COLLECTIONS NOTICE. WITHIN THOSE 8 YEARS NOT ONE BILL TOWARDS THIS LOAN HAD BEEN MAILED TO MY RESIDENCE, NOT ONE EMAIL OR PHONE CALL. ACE CASH EXPRESS HAD ALL OF MY CONTACT INFORMATION AND FAILED TO 1. INFORM ME OF THE PROGRESS OF ANY ONGOING INVESTIGATION INTO THE FRAUDULENT LOAN 2. OFFER A SETTLEMENT RESOLUTION TO AVOID COLLECTIONS. IT IS NOW 8 YEARS LATER THAT I RECEIVE A PHONE CALL FROM A COLLECTION AGENCY TO COLLECT ON THE DEBT. ACE CASH EXPRESS HAS FAILED IN THEIR RESPONSE TO HELP RESOLVE THIS SITUATION. THEIR VETTING OF ONLINE LOAN APPROVAL IS INSECURE AND ALLOWS FOR CRIMINALS TO EXPLOIT THE MEANS TO OBTAIN FUNDS UNDER FALSE PRETENTIOUS BEHAVIOR. ACE CASH EXPRESS HAS FAILED TO PROVIDE ME WITH INFORMATION LINKED TO THIS ACCOUNT. EMAIL, PHONE NUMBER, BANK ACCOUNT AND ROUTING NUMBER OF WHERE THE FUNDS MAY HAVE BEEN CASHED, COPIES OF ANY DOCUMENTATION GIVEN WITH THE LOAN APPLICATION SO THAT I CAN PRESENT THIS INFORMATION IN MY DEFENSE IF NEEDED. ( AFTER ALL, THIS IS SUPPOSEDLY MY ACCOUNT IS IT NOT? ) I AM LOOKING FOR COMPENSATION BY HAVING ACE CASH RESCIND ANY AND ALL FEES ATTACHED TO THIS LOAN. THEREFORE PAYING RESTITUTION THE COLLECTION AGENCY IN WHICH ACE CASH EXPRESS HAD SOLD THE LOAN TO. I'VE DONE MY PART IN PROVIDING ALL THE NECESSARY DOCUMENTS PERTAINING TO THE FRAUD IN XX/XX/XXXX. I'VE ALSO CONTACTED ACE CASH EXPRESS ON XX/XX/XXXX TO FURTHER INQUIRE ABOUT THE INVESTIGATION OF FRAUD. NOTHING WAS DONE. THE ASKED ME TO RESEND THE DOCUMENTS AGAIN AND THAT WAS ALSO DONE ON XX/XX/XXXX ACE CASH EXPRESS HAS FAILED IN THEIR EFFORTS TO RESOLVE THIS. IT HAS BEEN 8 YEARS SINCE THE IDENTITY THEFT AND REPORTING IT TO LOCAL LAW ENFORCEMENT AND ACE CASH EXPRESS. THANK YOU
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| 03/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XX/XX/19, I received a call from a local number stating he was a County Court Clerk server and that I was going to be served. He said it was from XXXX XXXX XXXX on behalf of Ace Cash Express case # XXXX and that I could call them regarding the matter. I called XXXX and spoke to XXXX in the legal dept. He said that I had 2 hours to make a payment of XXXX or I would be served.Said I was mailed information, which I did not receive. I told him I did not get anything. I asked for an extension he said 3 hours. In a panic, I called my family members for help.Called back and spoke to XXXX and asked if I could pay XXXX and make arrangements for the rest. he checked with attny and they agreed. My boyfriend called made pmnt of XXXX conf # XXXX. And XXXX paid by credit crd from My mom. Conf # XXXX. XXXX made me give my bank card # to pay two addl pmnts of XXXX over 2 mos. I called back today and asked for an email confirmation, and asked the names of the attny and license # 's. I know this is not a legal tactic to obtain payment. He was very convincing and I got scared into providing payment and giving him my bank card info. He said I should have received an email and that I will get one today. I called him again to get more information and I kept getting passed around and placed on hold. He said that this was in fact in the legal department but still refuses to give me attorney names. At this point, they have not only my bank card information for future payments, but my boyfriend 's and my Mother 's credit card information. I called the original debtor Ace Cash Express and the representative confirmed the sale of the loan to XXXX XXXX XXXX and gave me their address. She said that they would not ask XXXX to file a lawsuit on their behalf and that I should contact XXXX to discuss. I believe that they are using unfair practices to collect debts, using threat of lawsuit. The first phone call I received was from XXXX, which is the XXXX County Court phone number. I now know that the court will not call you to tell you that you are going to be served, so clearly XXXX somehow was able to use the court phone number to make this appear to be legitimate. I ask that this company be looked into for using this type of tactic to collect debts.
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| 03/18/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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They start to call about every six months or so, and when I ask for details about their location, they refuse to give it to me. I have not received documentation regarding the debt and they continue to tell me that they are sending it and that I'm not responding. When I ask for their address so that I can send them a cease and desist letter, they refuse and tell me that they are not collections. They tell me they are with " In House Processing '', but say that they are not the original debt holder. They have my SSN, DOB and address, and it makes me very uncomfortable that they have this, but yet I do not know who they are or where they are located.
This morning was the most recent contact ( XX/XX/XXXX @ XXXX MT ). When I called them back, they verified who I was, and indicated that they could settle a debt with them from ACE Cash Express. When I asked them for documentation of the debt, they asked to verify my address, the address that they have for me is incorrect. When I asked for their name and business address, they stated that I was harassing them and hung-up on me. I called back to try and get more information and they stated the debt was from XXXX, that it was for {$1800.00}, and that they could settle for 33 %. They indicated that I was going to be served with court documents for a civil proceeding in XXXX County Court. When I asked them for their attorney 's name they were suing me with, they refused and hung-up again. The third time I called them back, they immediately stated that I was harassing them and that they would count me " served ''.
The fact that people in an unknown state, business, etc. have my personal information ( SSN / DOB / Employer ), but they will not tell me who they are, where they are is very concerning. The fact that they have repeatedly stopped calling me for months at a time and then pick back up later leads me to believe that they are hoping one day I will have a lapse in judgment out of fear and give them a credit card for payment on a debt that I'm not aware of!
Also, my husband and I filed for bankruptcy in Colorado approximately 5yrs ago and included any an all debt. If I did owe this company money and was aware of an outstanding debt, then I would have included them.
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| 07/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Older American |
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On Thursday, XX/XX/2018, I received a call from my adult daughter saying she had received a call from someone who was executing an " Order for Location '' and trying to locate me. She said the person also contacted her daughter who is XXXX years old and scared her.
I checked my voice mail and found that whoever it was had left a voice mail for me. I listened and learned the following : The person calling was XXXX XXXX and that she was executing an " Order for Location '' and trying to locate me in regard to case XXXX, a case filed in XXXX County ( Texas ). She said the order gave her authority to contact my employer and references. She said she would continue to do so until told to do otherwise and that this was a 'Legal Notification by phone '.
I checked with my sister who said she had been contacted and my wife who checked her email and found the same message.
I called the number provided XXXX and was given the same information. She claimed to be trying to locate me, but would not stop calling until directed to do so by whomever hired her. She would not tell me the name of her company or the name of company that hired her. She did provide me a number to a different company. I called the number and could not find out the name of her company but after some arguing, I learned that they were working to recover an unpaid loan from two years ago by Ace Cash Express. I remember the loan, but not if it was paid completely. She would not provide me with specific contact information on how to contact the company. It is strange they have my phone number but and address, but could not find me. They also confirmed they had my address.
I contacted the XXXX County courts and was told they could find no record of suit filed but that did not do any service processing so could not help me. They were not particularly interested in helping me, saying they had no idea where to go for help.There are no suits filed against me, so they could not help me.
I worked in the credit field for nearly 30 years and have never heard of such a court ordered process. After consideration, I determined that my next course of should be to contact your agency.
Your help is greatly appreciated.
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| 03/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/2020 I received three anonymous phone calls on my work number, as well as three additional calls on my cell phone.
I received information by a non-relative who provided me with the same information as they have contacted at the very least 3 other people.
The caller states there name is XXXX XXXX with " XXXX '' and will be serving me with my certified documents between the hours of XXXX and XXXX at either work or home and I need to contact them regarding this debt right away at XXXX. THis information was provided to other individuals who have had no relation to me, nor have been placed on any reference list.
When I contacted the number " XXXX '' responded by letting me know that I owed {$4400.00} from a debt with Ace Cash Express and if I would be served with certified documents.
I inquired as to why they were contacting individuals with no relation to me and she responded " You have them as a reference '', I asked for her contact information including address, company name and was only given " XXXX ''. I asked for a valid address and she refused repeatedly. She informed me she was not required to provide me with any information because I owed a debt.
I asked to speak to her supervisor. After several attempts the supervisor stated that at first I had the individuals down as a reference. I asked why they called thousands of times ( in general I did not count ), and he stated " no we called 12 times as well as others to try to contact you ''.
I asked how he was able to receive information for individuals I have never had as a reference and he stated that he was able to get the information based on my social security number and contacted everyone who has had a connection with me.
I asked him for their address and he refused and stated " I don't need to give you anything if you are not telling me what is harassing about our calls ''. I informed him that they were in violation of the Fair Debt Collection Practices Act and am requesting their information. He responded by saying he wasn't required to give anything if I didn't tell him why I thought they were harassing.
I have called back repeatedly but I seem to be blocked from their number.
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| 04/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX at XXXX, I received a voicemail from XXXX XXXX threatening to contact my job and speak with my supervisor regarding a case that was being filed through XXXX XXXX County courts. She also stated if I did not contact the company I would forfeit my legal rights. XXXX never identified herself as a debt collector or that it was an attempt to collect a debt. Instead she threatened to locate me if I did not get in touch with the legal department.
I called the number that XXXX had left on my voicemail and spoke with an individual who again did not notify me that this was an attempt to collect a debt by a debt collector. The name of the company was never given to me and the individual I spoke with informed me if I didnt set up payment arrangements they would sue me for thousands of dollars for a {$270.00} debt. Out of fear I set up the arrangements immediately and was told that I would have to provide a debit or credit card to stop additional actions from being taken. I was told to contact the company in advance if anything needed to be changed for the XX/XX/XXXX and XX/XX/XXXX arrangements.
On XX/XX/XXXX at XXXX I contacted the company to have the arrangement for XX/XX/XXXX split into 2 payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I was told that the company could only change the payment to XX/XX/XXXX. After informing the individual that I would not have enough money to cover the full payment on XX/XX/XXXX she informed me that the company would not change it beyond XX/XX/XXXX and does not cancel payment arrangements and that if I default on the arrangements I would be taken to court. I again asked to have the arrangements changed to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I was told that only legal counsel could approve that change. I requested to speak with legal counsel and immediately the call was disconnected. I called back three times and each time the call was disconnected. I called back a fourth time and someone answered, I again explained to her what I needed to do and was told again that they do not cancel arrangements after they are made. I asked to speak with a supervisor and the call was again disconnected.
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| 06/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On todays day of XX/XX/XXXX, at approximately XXXX CST XXXX a man named XXXX XXXX called my niece in Pennsylvania and advised her that he was calling about my XXXX XXXX XXXX and I had until noon EST today or I would have my rights forfeited. First of all, I have no idea how this man located any information about my family. He discussed my personal information with my niece under false pretenses. My car account is in good standing with my car loan company. The name of his company is XXXX, XXXX XXXX. The number he gave was XXXX Ext XXXX. I called him at approximately XXXX CST and he wanted my birthday and I refused. I told him he had no right to call my niece about my car. He said he was recording the phone call and I advised him that I was recording as well. He hung up on me. At approximately XXXX CST, I called back. He answered the call and I asked for a manager. He put XXXX XXXX on the phone. She repeatedly argued, lied and refused to give clear information about this supposedly payday loan in my name from Ace Cash Express. She said I could pay her company or it would stay on my credit report. I asked her what credit report and she couldnt say. We argued about calling my niece, violating my rights and for threatening unlawful actions. I told her to cease and desist immediately. She said I would have to write a letter. She also said that I would have to find out about this balance of {$1500.00} that I owe. I asked her how did she get my name, etc. and she said from a third party. I asked her if her company was a debt collection company and she said no. She said my employer was XXXX XXXX. Thats a lie. I havent worked from XXXX due to a XXXX. I asked her for the physical address of her company and she gave me an address in XXXX XXXX, FL. I told her that her company violated the Fair Debt Collection Practices Act and I was going to report them. I told her that I was recording the call. She hung up on me. Her company has violated my rights under the FDCPA and FCRA. I want them out of business for unlawful practices. They lie and harass the consumers. If there are any consequences for their actions, please pursue it to the fullest extent of the law.
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| 08/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted.
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer.
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt.
You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).
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| 05/27/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
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Web |
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I was contacted by a person claiming to be an official with my local XXXX. The phone number he called from was a local number, so I believed he was who he said he was. He asked if I had been served a summons to appear in court. I told him I had n't. He stated that there was a case against me for defaulting on a loan from ace XXXX express. He stated that he was going to put a hold on my case for 30 minutes in order to give me time to contact the party that had filed the case. He stated that if I did not comply within 30 minutes my drivers license would be suspended. I called the number he gave me and they stated that they were with the XXXX and XXXX law firm and that I had defaulted onot a loan with ace cash express. They stated that they needed to collect a sum of {$760.00} today. I informed them that I could not pay that amount. They agreed to spread the amount over XXXX payments with the first payment to be collected on XXXX XXXX 2016. I was hesitant to give my bank information until they stated that if I did not set up this arrangement then and there, I would be sued for the attempt to commit fraud and my license would be suspended. After they collected XXXX on the XXXX, I called a day before the next scheduled payment asking for an extension. I was denied and told that if I did not pay, my case would be forwarded to the legal department to start the litigation process against me for attempting to commit fraud. I agreed to pay {$95.00} on XXXX XXXX. I then began researching their process and came to the understanding that they did not have the right to threaten me or misrepresent themselves. I dug further and found out that the person that originally called me claiming to be an official for my local XXXX did not exist. I attempted to contact XXXX and XXXX to ask questions and was told that they were not going to deal with me anymore and my case would in fact be forwarded to their legal department. They 've refused to speak with me on the matter since. They never provided me with any documentation of this debt to ace cash express and I feel they have violated my personal rights and the rights under the law that governs their practice.
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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Spoke with XXXX XXXX with Ace cash express in regards to a loan obtaining a personal loan in the amount of XXXX. I was prompted to verify my XXXX account by Ace cash XXXX in order to receive the loan on XX/XX/XXXX Ace cash advance deposed {$690.00} on XX/XX/XXXX. The deposit came from XXXX XXXX, into my XXXX account. I was then asked to purchase two visa gift cards. One in the amount of {$390.00} at XXXX on XX/XX/XXXX and the second at XXXX in the amount of {$690.00} on XX/XX/XXXX. I was told to take pictures and email the gift card information to XXXX XXXX at XXXX. I was told this was part of the verification process.
After doing so. I was told I would receive my loan by that evening of XX/XX/XXXX.
On XX/XX/XXXX I received a phone call from XXXX XXXX stating that I would have to verify my XXXX account one more time because they did not typically deposit loans through XXXX. This time he stated he would deposit an amount between XXXX to XXXX and I would again need to purchase another vanilla visa cash card.
I refused to buy any further gift cards and and asked what me buying gift cards had to do with verifying my account, after already doing so once.
I then felt there was something wrong with the situation after multiple personal text messages and phone calls from XXXX XXXX from the phone number XXXX. Asking me to proceed and being very pushy.
I had not heard from or spoken to XXXX XXXX again with ace cash advance until I called demanding my funds back on XX/XX/XXXX.
I was notified that {$240.00} was deducted from my XXXX account, also connected to my bank account. In the amount of {$240.00} the transaction stated it was a fraud claim. ID XXXX. On XX/XX/XXXX. The {$240.00} was every penny in my account On XX/XX/XXXX. Im sure more would have been have been taken if there more in the account.
I then contacted my bank in regards. Shutting down my cards and account. I called the XXXX Fl sheriffs office to file a report through officer XXXX on XX/XX/XXXX and was directed to file a claim through www.ftc.gov/complaint in regards, due to the report happening out side of XXXX XXXX. The office of ace cash express is out of XXXX.
|
| 04/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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This morning I received a call from an unknown number and the lady would not provide her name, but stated she was calling from XXXX XXXX XXXX XXXX. She asked if I had received any documentation in reference to my case, I told her no in which she provided me a case number and a XXXX number to call for further details to my case because she was only able to call a verify my location. I tried asking her name again in which she quickly stated that she is only supposed to call a verify location and told me good luck and hung up the phone. I called the XXXX number given and spoke with a lady by the name of XXXX XXXX and she was calling in reference to a breach of contract between myself and Ace Cash Express, for a loan I received in XX/XX/2017 in the amount of {$500.00}. She asked if I had an attorney I stated no and I began to tell her that I did not have any loan with Ace, XXXX became very rude stating that I received the loan and when payment became due my acct was closed which resulted in breach of contract due to Ace attempting to contact me several times. I told her I had received no letters and/or phone calls. She called out an email address to me that I had never heard of and an employer by the name of XXXX XXXX XXXX. I told that was not my info for email or employer because I've been employed with XXXX for 4 years. I began to explain to her that the date mentioned above my wallet had been stolen so there was no way I created that loan and also my credit score is in the 300 's and I would never be approved for such a high amount. XXXX, once again speaking rudely, stated that she was going to document the account with my statement, but the phone was not for me to file a dispute and that once I receive my court documents I could come dispute this in court. I tried several times on the call to get some information from acct she was reading and she told me that she could not provide me the info. I'm sure that is incorrect because if you're calling in ref to any legal matters or unpaid debts, I have a right to know what's going, especially since I am unaware of this loan and know for a fact my wallet was stolen in XX/XX/2017.
|
| 10/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny Ace Cash was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is XXXX XXXX. I am still not 100 % convinced it isnt a scam as the XXXX-number I was given does not pull up any XXXX XXXX company when ran.
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
|
| 01/18/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received the following email and I never took any type of a cash advance from any company.
XXXX XXXX!!!!!!!!! EMAIL!!!!!!!!!!!!
Customer Id XXXX XXXX XXXX XX/XX/2021, XXXX XXXX ( 10 hours ago ) Case File # : XXXX - XXXX Loan Information Past Due Amount - {$980.00} One Time Settlement- {$320.00} Creditor Ace Cash Services DearXXXX XXXX XXXX XXXX Department of Ace Cash Services has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is placed on hold by the United States, so before something goes wrong, we would like to notify you about this matter.
Consider this as a final warning. And we are Emailing/ Fax this issue to your current leader to create positive results and take strict action against you.
We will be forced to proceed Legal Action against you and once it's processed the somebody has entire rights to tell your leader and your references concerning this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you are taking care of this out of court then we are going to unharness the clearance certificate from the court and that we can check that nobody will contact you in future.
Do revert back if you would like to eliminate these legal consequences and build a payment arrangement nowadays instead, we'd be continuing legally against you. And this is often to send word you that this notification also will be sent to your current leader. The opportunity to require care of this volunteer is quickly returning to associate finish. We would hate for you to lose the choice of breaking this before it goes to a consequent step that could be a suit against you, however to try to do so you must take immediate action.
If you want to resolve this matter then immediately contact us thru between working hours XXXX XXXX to XXXX XXXX ( EST ) Department of Law & Enforcement ( Ace Cash Services ) Copyright 2021 Ace Cash Services| Privacy | Terms of use Thank you, XXXX XXXX
|
| 10/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had applied online to ace express for a loan back in XXXX or XXXX of XXXX I received the money but decided that I didnt need it. I called then to let them know that I no longer need it once I did that they gave me a website to send an email saying that I no longer need the loan. Tried to send the money back and there system was not working on getting it back they kept saying that my bank was not allowing the transfer. I called my bank and my bank said that they were the ones that was not letting the transfer go through. I took the money out to try to add to a different XXXX card to send it back but it was doing the same. They told me to open a new bank account and give them access to it so they can take the money out. I said I wasnt going to do that, they already have my bank card info, that they shouldnt have any issues getting the money back. I tried and tried and they were saying that I am the one that didnt want to pay it back when I kept in contact with them and tried to send the money back. Well I Lost my job in the process of trying to get them to take the money and they kept calling and I kept telling them that I no longer have a job and can not pay at the moment. They kept calling and kept adding more interest into the account and I am still with no work. I kept telling them that I can not pay. Once I have a job then I can maybe pay little by little and they said that I had to pay the full amount at once. Months past and never heard from them. I finally received a call from a law firm called XXXX XXXX XXXX saying that I have till XX/XX/XXXX to call them regarding a complaint about me. So I called and a guy answered I gave him my name and he looked me up. I asked what it was about and why I am being sued for {$1500.00}. He said it was from ACE Express and that I will receive a court date on Monday or something this coming week on when I have to appear. I said I dont understand and he simply hung up on me without saying anything else. I am so confused why do I need to go to court when I tried to pay them and they never took it and never got call, mail or email from them and now they are calling saying that.
|
| 06/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
|
| 07/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.
|
| 02/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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On Friday XX/XX/XXXX I received a call from my ex wife stating she had recurved a call from a legal representative stating that a Court case has been filed against me. My mother also received the call. They were told to pass along a callback number to me to discuss the court case.
I called the number back and I was informed thats I owed a {$500.00} debt from a pay day load. I told them what I could pay on it but the woman insisted that the case has already been filed and its not about the money at this point she also stated that After court is settled I will end up owing over {$1500.00} dollars ( do not remember the exact amount ). ( Deceiving amout owed ).
She went further by saying I have committed fraud and will be charged accordingly in the court case ( threatening criminal action ) She then put me on hold and said they would be willing to put the court case on hold if I would agree to their payment plan. I agreed. I also asked them to not contact anyone of my friends, relatives, or job since they now have my updated contact info. Turns out they had my correct contact info Well before this matter. When I asked them why they contacted my ex wife they told me it wasnt them that contacted her. It was actually XXXX county courts trying to locate me ( impersonation of a government official ) The following week one of my payments didnt go through because my check had not yet been deposited for the day. They called my ex wife again. When she tired to file a dispute with them allegedly hung up on her. When I called them back I told them that I will not deal with their harassing calls. I also Informed them that I am in the middle of filing bankruptcy. The representative told me my babkruptcy will not cover a previous debt ( deception ). They also said they will notify the courts to move forward with the case.
To say the least they have used threats of fraud, impersonated a government official, lied, and harassed my family after I specifically asked them not to. I would like to settle this matter but not with a company who uses deceiving, unlawful, and unethical business practices.
|
| 01/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
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I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.
Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION 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 {$3900.00} 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.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. 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.
If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use
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| 12/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
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|
Web |
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When I talked to this woman calling me and my family, she stated, this a payday loan debt from XX/XX/2014 through Ace Cash Express. Some woman name XXXX XXXX @ XXXX is calling my sister at XXXX and my aunt at XXXX calling from XXXX XXXX on behalf of XXXX XXXX XXXX. Please tell this company to stop harassing me and my family. Their number is XXXX. Ace Cash Express has been paid for this loan several times over as we know the interest and fees they charge are ridiculous. That's why after paying this company so much money, I don't even do payday loans. Its a scam that I feel the government should step in and regulate. In the time I had this loan I paid them at least over 12k which is well over the original amount I owed which was no more than about maybe {$850.00} as I didn't make much money back then. I was a struggling single mom. This company is a criminal/loan shark preying on low income families to scam them out of more money then they have. And she accused me of " Debt By Deception ''. This would only be true, if I got the loan, then closed my account and then ran off without paying anything. I can see if they were never paid for the original loan, but after paying them over and over again at some point there should be a cap where they realize that they have received enough money in interest to close the loan. Have some integrity for the consumer instead of being greedy and then maybe this industry would have a better reputation. Have some morals to the consumers you serve, low income families who can't get a fair regular loan. But they are criminals/loan sharks and harassing people and their families with calls to create anxiety. Ace Cash Express should be the people in jail for their tactics instead preying on consumers with high fees and interest rates which they know is a trap and will never be able to pay. You want XXXX for a {$850.00} loan. That's crazy. I've paid this loan over 12x. Acknowledge that you have paid for the loan several times over and leave me and my family alone. Stop threatening me with wage garnishments, legal actions and XXXX County arrest.
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| 05/06/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This seems to be a XXXX XXXX XXXX Scam got via email.
XXXX Ace Cash Express Payday Loan Good morning This is Attorney XXXX XXXX calling from The XXXX Law Firm, XXXX TX billing department.
We are emailing you concerning an overdue bill.
Case # XXXX Your Billing amount of {$740.00} Contact at : mailto : XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is currently 180 days past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report.
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off.
If you can make the first payment right now, I can set your account up so that its no longer delinquent.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement ; you are looking for at mailto : XXXX Regards, ACE Cash Express, Authorized.
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | Carrier
|
| 01/19/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
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|
XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.
You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter.
Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too.
THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION 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 {$3900.00} 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.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. 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.
If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use
|
| 04/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
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I received on XX/XX/XXXX a call from XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at XXXX stating this message was strickly just for me. ( no name given ) There was a complaint filed with 3 allegations and I was urged to call back at XXXX. If I did not I would have an arrest warrant and have the police take strong legal actions. I did not return the call.
On XX/XX/XXXX received an email from XXXX XXXXXXXX stating this was a final notice I had to send payment in 24 hours or a case would be downloaded against my name & social on XX/XX/XXXX. Legal charges are under section 9 and chapter 19. ( of what?? not stated ) Once the case was downloaded I would receive a court summons on my doorstep. ( has not happened as of today ). Stated : i might be immediately sacked by my employer ( self employed ) as they will be notified. My credit ruined. Wages garnished.. Bank accounts/Credit cards frozen.
The IRS put a hold on my tax return. ( Someone has used my ss # for XXXX tax filing & I mailed ID theft with XXXX tax return : 180days from XX/XX/XXXX to get answers ) They wanting to know my clear intentions to above mentioned loan account ( no info ) I could contact them at XXXX.replied have wrong person do not contact me. Today I received email from XXXX XXXX attorney XXXX XXXX XXXX XXXX tx billing dept Case # & amount stating I had 4 serious allegations against me at the United Legal Investigation Bureau ( who?? ) Their policy is accts over 180 days to try take care of this bill, giving payment options send payment to XXXX XXXX XXXX or contact at XXXX. My name not used just " you ''. sent back reply : Need to see loan papers/.signature ( dont e-sign ) I did not have payday loan. I only get loans from where I bank. That I would be filing complaint. As attorney would know I would need to be notified before this and have not but a phone call & 1st email. No attempt to provide proof they had the correct person who took a payday loan. Never received any late notices from Ace Cash 6 months ago or longer.
I HAVE NOT TAKEN A PAYDAY LOAN!!!!
|
| 05/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.
Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.
All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.
Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.
On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.
How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?
XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?
Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.
|
| 05/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
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On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait.
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.
|
| 09/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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There is a balance of {$16000.00} owed to XXXX of XXXX, SC. This account was opened in XX/XX/XXXX original balance was {$570.00}. In XX/XX/XXXX paid {$30.00}. Contacted by Ms. XXXX XXXX XXXX XXXX in XX/XX/XXXX she said that a notice was sent to me I never received a notice, at that time i had a debit of {$30.00} debited from my checking account and ask that the remaining balance be debited the same way, however, there was not enough to cover the draft since this is how I pay all my bills. Around XX/XX/XXXX I received a call from a Ms. XXXX XXXX stating that I owe a balance that has not been paid. Contact Ms. XXXX on or about XX/XX/XXXX stating that I missed the deadline for getting back to her to correct this issue it by XXXX that morning for she said that is the only way to stop the information from going to the county and if I did not it would cost me {$1600.00} for court fees, plus amount owed, filing fees ect. I was going to send the money to her XXXX XXXX at XXXX XXXX XXXX, VA XXXX. XXXX XXXX in XXXX, Va XXXX I called her back and told her I could not sent the money because my rent had to be paid the same time she said she would have to process the paper work to XXXX , County for complete processing and some one will either come to my residence or my place of employment to serve me information. There after I started receiving phone call from family members and people in the community saying that the FBI was looking for me concerning a Bad Check this was happening all over town and I was felt violated because I had spoken to her and let her know the reason why i could send the money at that point. Spoke to the XXXX XXXX XXXX several times they can verify about trying to obtain a nother number to locate this collection company but they said this is all they had. The files were being sold to diffrent companies always wanted to clear this up. Spoke to Ms. XXXX and she denied the it however she did give me some names that spoke to me. Ask copy notice sent to my address she said they do send copy of notices.
|
| 03/04/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back.
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
|
| 04/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes.
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX
|
| 05/14/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive.
I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible?
On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months.
I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
|
| 03/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone.
I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them.
At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect.
Misrepresentation of the amount owed.
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 10/15/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
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I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late.
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan.
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD??
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.
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| 06/23/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I had been receiving calls from a woman stating she was going to serve legal documents in order to appear in court due to a debt owed to Ace cash express, she left several voicemails to my daughters phone stating she was an independent processor for XXXX county, never indicating what company she was calling from or what she was calling about. I decided to call the number back on XX/XX/XXXX and got a call back on XX/XX/XXXX I spoke with an XXXX XXXX who stated Ace cash express was a multimillion dollar company and had a lot of evidence against me to file a civil suit against me in order to collect a debt owed for the amount of XXXX, however that they were looking for the amount of $ XXXX, I didnt recognize the account or the amount owed, I asked for a copy of the information to be sent through mail and proof of the debt owed but he told me I only had 24 hours to respond and after that we would have to go to court where I would owe more than {$2000.00}, stated my only options were to pay the debt or get an attorney. He provided an account number and also my personal information, I advised him I couldnt even look into the information because my daughters email was hacked. After speaking with him I looked into ace cash express where I found I did have a previous loan with them for the amount of XXXX. This company completely scammed me, they never indicated where they were calling me from, only stating they were calling from XXXX county about a civil suit, they refused to provide me with documentation of the amount owed and also charged me double the amount owed. Throughout the call I thought I was speaking with someone from XXXX county but then received an email stating it was from port-side solutions, which was never mentioned throughout the call, But then a charge from XXXX XXXX XXXX on my daughters card. XXXX XXXX phone number was XXXX, but Im still not even sure what company he was working for because as I stated he indicated he was calling from XXXX county.
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| 02/29/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Impersonated an attorney or official
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Web |
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Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
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| 02/22/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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This is a follow-up complaint that I have already made this is XXXX XXXX I received a notice which I'm going to attach to this complaint about a debt I do not owe about a payday loan it was XXXX XXXX XXXX at first and I sent in all the information to you about that one now they're contacted me using the name Ace Cash Express and they're threatening me saying they're going to charge me with check fraud banking violation regulation and identity theft I do not owe any debt of a loan never got alone in my life I called Ace Cash Express which I got from online the number and they said I'm not even in their system I am going to send the screenshots that I have took enough to email that was sent to me today it's really frustrating me because I know I don't owe anything and I can prove that with my bank account and checking account and they said they're going to do the lawsuit on XX/XX/XXXX and it's in XXXX XXXX XXXX I have never been or even lived in XXXX XXXX XXXX in my life I am from XXXX XXXX never Ben and to XXXX XXXX and the way that they're threatening to have charges put on me I know it's a scam because they're not allowed to do that they're claiming to be an attorney as well you will see this in the screenshot I sent you they also cleaned that I never responded to their first attempts I emailed them over 50 times with no answer please help me with this situation because it's very frustrating they're also threatening to tell Social Security about this situation and I collect XXXX so I know they're not allowed to do that either there is no phone number as you will see on the screenshot or address it just says Ace Cash Express and like I said I called them and they said I do not owe them anything I'm not in their system at all please look into this I would really appreciate it thank you for your time XXXX XXXX email address XXXX XXXX XXXX XXXX XXXX and all lowercase and also they never say my name they just say dear debtor
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| 04/19/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Indicated committed crime not paying
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Web |
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I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.
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| 07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem getting a card or closing an account
- Trouble closing card
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Web |
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I was at XXXX XXXX XXXX XXXX and the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in there for 2 months between XX/XX/XXXX in till XX/XX/XXXX for XXXX XXXX. All my stuff got lost at hospital so I had to have a new debit card sent to me and I bank with XXXX XXXX Account by XXXX. I opened this account in XXXX at Ace Cash Checking ( XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ). So the day I was discharged from hospital I called from the hospital to activate my new card and they red flagged me because I didn't call from my cell phone that was associated with my account because my cell phone was broke. So I had nothing on me and had to get my mother in law to buy me a train ticket and friend to buy me a new phone. Even when I called from my number associated they blocked my account. I answered all security questions correctly and they still wouldn't unblock my account. The train ticket was so I could get home to XXXX NC. I arrived home on XX/XX/XXXX and went to Ace Cash Checking to withdraw my money on XX/XX/XXXX. I was told they couldn't because of the block and I decided to close that account and open a new one and the manager XXXX at Ace told me to just close my account and they would send me a check. However I was told they could only send me a check through the mail even though I have a verified new account with them. Then after 3 weeks of waiting for my check I was informed they needed my birth certificate, social security card, and State ID. So I ordered a new birth certificate and all DMVS in NC are by appointment only. But I already had a photocopy of previous ID and social security card. So once I got my birth certificate on XX/XX/XXXX I sent them an email with these XXXX things and they said they need an ID that is active but I have everything else and even a new account with them but they refuse to release my money which is in the amount of {$2600.00}. So I am asking for help in getting my money.
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| 02/17/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact XXXX XXXX. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with ace cash express some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against ace cash express or did I run into a financial hardship.
I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.
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| 05/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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According to a guy claiming to be from the compliance office of XXXX XXXX there is a case against me that I am not sure how this came to pass. The gentleman was very rude and also contacted my brother and a clinic with the same hospital I work for but not the clinic I work in. I feel that I have received no information in regards to this issue with supposedly ACE CASH EXPRESS, according to them I received a loan, in an unsaid amount of money and it was deposited to a XXXX bank account with my information on it and that it was not paid due to account being closed, I have been with my current bank for over 3 years and have not been with XXXX for a long time now, so I am not sure about this, I was told that I am being charged with defrauding a financial institution and owe them money, well I do not agree that this is legitimate as I do not recall ever getting a loan from ace cash in XX/XX/XXXX. As for the money that they say that I owe, I have never received any documents in writing stating that I owe any money to them but now have a case pending against me? That really confuses me, because most companies would attempt to collect what could be owed instead of taking a person to court for a small amount as payday loans typically are. Please help me I am a single mother of XXXX boys and work very hard but do struggle to provide and feel that this could be handled differently and I feel that they are using bullying and scare tactics to get more from me then the amount that supposedly was borrowed, when asked for documentation I was basically told that they had already sent the information, but I have yet to receive anything in regards to anything of this nature. I would appreciate a little help trying to clear this up, If I owe something fine, but if this is not something that I owe even if they claim to have all my information that does not mean that I received any money from this place.
Thank you
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| 03/01/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Went to Ace check cashing to cash a money order today the clerk was very rude at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX the District Manager is XXXX XXXX. XXXX did not offer me the opportunity to pay any of the amount that was due she simply kept the entire check and processed the amount owed plus a fee of XXXX Ace check cashing never made me aware that any fee was due i didnt expect the check to be returned it was from XXXX XXXX and i have a letter that shows they issued me a payment. I have had an account with Ace check cashing for 10 years I also have XXXX card and XXXX small business account. Of all the years of going to the various locations and interactions at the store locations I have never been treated as poorly as today. There is video footage of this incident and I will be reaching out to the XXXX or agencies that regulate financial check cashing franchises. This is a communication that shall serve as notice and opportunity for internal resolution regarding financial services. Additionally, because if her behavior I aim to establish an official grievance about the methodology of your collection practices dont let insufficient technology nor disgraceful employees representing the Ace Check Cashing brand undermine your business operations. Customers deserve to be notified of past balances due or alerted to scenarios that there checks did not clear to contact the issuer as well as make arrangements with Ace as necessary. The money I presented to Ace Check Cashing was necessary for bills and medical issues. IT was just as if being robbed that procedure needs to be mended. I have cashed other items after the XXXX XXXX Check and no balance was ever mentioned to me. This is definitely unfair she took almost 88 percent of the money with no warning a stern face and impolite mannerisms.
Please reach out to me immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
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| 06/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a voicemail from a XXXX number on XX/XX/2020 and that her name is XXXX XXXX and she explained that she is calling about a case that is being filed to my county office. She said by law she was making me aware that case # was being filed with the county and becomes a matter of public record & there is an order for my location. Since she could not reach me by phone she has been instructed to call my employer & speak to my supervisor since this will be the best place of locating me. She said I have the legal right to contact the proceedings office that is handling my case but I have to speak with them before my case gets filed because once my case is discharged from there office my legal rights are forfeited. The phone # to their office is XXXX. I have to speak to someone in their legal department and this is considered a legal notification to locate me. So I called XXXX and they asked me my name and case #, social security # and proceeded to tell me that I have an outstanding debt with Ace Cash Express and that they going to start proceedings against me and asked where I work and if I have a lawyer to put on file. I told them I never heard of a company doing this before and I will not comply with them. My boss texted me that morning and said that they called her asking if I work there, what is my home address and phone #. They also told her the case # and that they were going to send a sheriff to locate me and that I am in contempt and have allegations against me. I was extremely applaud by this manner. Even after they knew where I lived and I had never received any letters or anything from this company. I should not be threatened that I have allegations against me or that a sheriff will come for me over a debt. I am extremely upset they told my boss all this information and again told her there is allegations against me over a debt as well. She did not comply with them either.
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| 12/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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The following is a copy of the email I received for a debt that does not belong to me. It's the only email I ever received from the company and there was no subpoena attached.
Dear Customer, We still have not received any response from your side in regards to your XXXX XXXX account XXXX As of now rather than chasing you for money, we have simply decided to write this money as loss, stolen and press charges against you. Now the legal case which is going to be filed against your name is under section 9 chapter 19.
The company has all the rights and authorities to inform your current employer about what you have done in the past and shall be the result and the consequences, once this case will be downloaded and executed with the judgments against you, which could lead you to termination.
Also the non repayment of a loan could be reported by the lenders to three major credit bureaus, causing severe damage to your credit history or credit report.
The copy of the subpoena will be forwarded to you Human resources or the legal representative of your firm, where in they have to appear in the court while the case is on, that could lead to you termination from the full time employment and by forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case.
This will also be reported to IRS which might lead to LEGAL PROCEEDING.
Before proceeding ahead we just want to ask you for the final time whether you wish to take care of this loan account of yours or not.
We are willing to provide you a one time settlement or payment arrangement as per your convenience.
Do revert ASAP as you merely got three business days to respond.
Thank you.
Manager Legal Department XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, LA XXXX, United States
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| 01/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
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XXXX I opened an Ace CASH Flare, XXXX account.
I opened an account as part of an offer to receive a {$100.00} credit under the following conditions : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. '' XXXX I made a direct deposit from my employer of {$500.00}.
XXXX After more than " 30 business days of receiving qualifying direct deposit, '' no " credit of {$100.00} '' was applied.
XXXX I contacted ACE/XXXX asking for the offer having fulfilled their conditions.
XXXX ACE/XXXX replied asking for proof. They claimed that I had to have received an e-mail offer. However, the " ACE Bonus Offer '' PDF contains no reference to any e-mail offer.
XXXX I sent an e-mail to ACE/XXXX XXXX customer service providing the proof of the offer and a reference number of my case ID. I have attached the proof as " ACE Bonus Offer. '' XXXX ACE/XXXX replied stating that they " unable to process your request at this time '' and would " provide you an update within 1-2 business days. '' XXXX 4 business days later, I still had not received an update. I contacted ACE/XXXX XXXX customer service again asking for the offer having fulfilled their conditions.
XXXX ACE/XXXX replied stating that " Someone from the corporate office will contact you directly within the next 2 business days. '' XXXX 3 business days later, I have not been contacted by ACE/XXXX I still have not received the {$100.00} offer having fulfilled their conditions.
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| 09/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2019 at XXXX, I Received A Call Identifying as XXXX County Legal Department/Office stating that there was legal action for a debt being owed and that a Suit was being filed against me. I explained that I was unaware of the Suit, nor Had I received documents in the mail. I was provided a phone number ( XXXX ) XXXX along with the Case number. At XXXX, I placed a call to the number provided to me, and spoke with a woman name, XXXX XXXX , who represented a company called " XXXX. '' She would not provide me with an address of this Company due to " safety of their clients. '' I stated the reason for my call, and provided the Case Number that was given to me. She stated that the Case was Locked, and needed to place me on a brief hold to get the case manager provided for my case to be unlocked, so that she may give me the details of the suit. After returning to the phone call, she proceed to explain to me that actions was being taken on by a Pay Day Loan Company accusing me of Fraud as well as providing me with information of cost if the suit continued with or outside of court. I stated I had not received any information in the mail in regards to this suit and asked that why Had I not been contacted. She replied with saying the company has no current address on file for me to be reached, although the Pay Day Loan was done within the current address. I was threaten to be taken to court if I did not agree with the payment arrangements to handle the case outside of court. Before I realized that this was indeed illegally, I recommended a different payment plan which she refused therefore leading me to end the call. I made a call to the first phone number identified as XXXX County Legal Department, if it was legit and no one answered the line. There was no recording verifying that this number was XXXX County Legal Department, nor was there a voicemail.
|
| 08/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
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This afternoon at XXXX, I received a call from a phone number ( XXXX ). After I hung up, they called several times back to back. When I finally asked what they wanted, a woman responded that she needed to know where I was at so she can file papers to me, as I had a court order. I was stunned! I didn't know what I could have done for me to have a order against me.
I was then told that I needed to call the number XXXX, and that my case number is XXXX. When I called, a man told me that he was from XXXX XXXX or something of that nature ( he went so fast I couldn't get the actual name, hence the phone numbers ), and he told me that I was going to be charged for fraud, and that I needed to either negotiate something with them or fight it in court. Obviously I was frustrated, and scared, so I said that I would take care of it with them.
At first, my debt was around {$840.00} dollars, but then they said since I didn't get any paperwork it would be around {$660.00}. I told them I would do half on the XXXX of this month and the other half on the XXXX of next month. The process was weird ; first off I was misgendered SEVERAL times. I told the other individual that I was a woman and he kept referring to me as " sir '' even AFTER they recorded, which they said they needed to record since that was something they had to do.
After I gave them my debit card information, and the conversation was done, I did a little research and I found out what they did was against the law! Not only that, but I also gave them my card number which is the main thing I'm worried about, as I am concerned this might be a product of fraud.
I want them to delete all of my information, not process my card, and if I can get the same amount that they are pursuing, which they threatened to charge me with fraud, I would appreciate it.
I am filing a complaint to my bank as well.
|
| 03/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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Back in XX/XX/XXXX, a friend that I used to live with in XXXX Texas called me and said that someone called her looking for me saying that if I didnt call back they would be taking me to court. I called them back and they stated that they were some type of legal agency ( XXXX XXXX ) and they were calling to collect the debt owed on a loan I took out at Ace Check Cashing. I do remember getting a loan with them, but due to unforeseen circumstances I was unable to make a payment, and I was told it was sent to collections. I was told that if I disputed it I would be sued in court for an amount over {$1400.00}. They asked me to make a payment of {$400.00}, which at the time I couldnt. I was told that they could set me up on 5 weekly installments of {$80.00}. I didnt feel comfortable leaving my debit card on file with them, so I ordered a XXXX XXXX card to have for those payments. They kept my debit card on file, despite me giving them my XXXX XXXX card, and would attempt to charge my card for {$80.00} every Friday. I would then call and make my payments with my XXXX XXXX card. One day I questioned them asking if this was real and I was told that when I make my last payment I would receive some type of letter in the mail stating ( I cant remember what it was called ). I made my last the month of XX/XX/XXXX. I never received anything from them. I would try to call them and the phone would pick up and then disconnect, or it wouldnt be answered at all. On XX/XX/XXXX I tried to reach out to them again, and I spoke with a lady who said that its only sent when requested. She stated she would email it to me and i should have it within an hour. I never received an email from them and when I try to call I am back to getting disconnected or no answer. I have already reached out to both my bank and XXXX XXXX, but I dont know what else I should do.
|
| 11/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
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I was contacted by phone # XXXX with XXXX XXXX to pay off a loan through ACE CASH EXPRESS back in XXXX first they had an office with the XXXX COUNTY call me telling ot me to XXXX XXXX or a warrant will be in my name come XXXX. this was originally done 2 months ago. i thought this was legit bc i called the XXXX county office and also looked up their phone # online and it was verified that it was with the XXXX county office so i paid a total amount of XXXX i have the receipt and letter showing it is now paid off in full. they still answer their phone and the ace cash express dept that i had on my credit report is now gone and closed. i just received call yesterday from a XXXX XXXX XXXX with the dept of justice with XXXX from phone # XXXX account # XXXX stating that i owe XXXX for a payday loan with ace cash express and that they will go forward with fraud charges if i dont pay that amount. i am really scared and worried that this might be real bc i dont want to get arrested for something i already paid and is now off my credit report but i have the supporting documents to show that i paid and i also called ace cash express and spoke to the collections dept and they stated i have a XXXX balance. i also spoke to my lawyer and my lawyer ( XXXX XXXX ) advised me to ignore the call bc the dept of justice does not harrass people to make payments on a loan. i am terrified that i might get arrested and have not been in trouble with the law and i have XXXX daughters that i am supporting and i can not miss any work and i am a single mother who does not receive any kind of goverment assistance or child support. i wouldnt want my girls to see me get arrested if this is real. i couldnt evven sleep last night bc of this call. she was mean and rude and couldnt answer and wouldnt answer my questions about the debt. please help me. thank you
|
| 07/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
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A long-time customer of ACE Cash express, I took out a loan late XXXX. It was an installment loan, and my payments were about {$220.00} a month for 6 months. I hit on some expenses resulting from personal health issues.My elderly mother took sick as well, making it necessary for me to travel back and forth to take care of her. I had been in communication with ACE about this. I called them XXXX/XXXX/XXXX to advise them that I would get back in touch with them on XXXX/XXXX/XXXX to make a payment, at which time I would have funds to work with. I then left and went to be with my mother in the hospital for 3 days during XXXX.I had just enough money for gas and meals while I was with her, and to pay on my phone and electric bills. I had no more than that to pay anything else. Ace debited my account without my authorization for the full {$220.00} I owed them. Yes, I owed them the money ( even though with the XXXX installment payments I had already made, I had paid them more than twice the amount of the loan, which I knew going in ). But I do not feel they were within their rights to debit my account WITHOUT MY AUTHORIZATION! This created a horrible situation for me, and I was already dealing with my own health issues as well as my mother 's. When I called and spoke with a supervisor, they were not interested in trying to redeem the situation. The fact that I had been a GOOD customer for 10 years or more made no difference to them.They had never done anything like this before. Presently I have a letter pending to their president, but I do not expect anything more than a canned response telling me how it was their right to take their money because I did not have any payment arrangement in place with them.But could they not have advised me that this was their intention when I spoke with them, prior to doing this?
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| 12/04/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/2020, I received a voicemail on my cell phone at XXXX. I wasn't able to answer the call because I was working. When I listened to the phone call the person that left the message identified herself as XXXX XXXX and she states she was " contacting me due to a case that is in the process of being filed in XXXX XXXX County and said by law she had to make me aware that once case # XXXX is filed through the county it becomes a matter of public record and there is an order to have me located, since she wasn't able to reach me by telephone she was instructed to contact my employer and speak directly to my supervisor because that looks like it most likely would be my place of location. She proceeded to say I had the legal right to contact the proceedings office that is processing my case however I had to contact them to before my case was filed. Once my case is discharged from their office all my legal rights will be forfeited. The number for that office is XXXX and it does state there that I will need to speak with their legal department. This is considered to be my notification by telephone and will be located unless otherwise instructed. '' I called the " proceedings office '' at the number provided in the voicemail and spoke to a representative named " XXXX XXXX ''. I advised her I had received a troubling voicemail threatening legal action and she proceeded to locate my account and read the " allegations '' that will be brought against me. I asked her for the name of their firm however she only told me the organization is named " XXXX '' and wouldn't provide a mailing address, all she told me was that they're headquartered in XXXX, Georgia. The reason I asked for the mailing address was to send a cease and desist notice however I was not provided that information by the hostile representative.
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| 02/08/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX-Phone call received from # XXXX. It went to voice-mail. I listened and verbiage was odd. I have a visual vm image I'll attach with verbiage.
Before I got the chance to call back, I had 2 family members call me saying they had been called. The person told them I'd be getting served from XXXX XXXX. Basically the same information that was left on my voice-mail.
I called back and asked for the name of the agency and what debt they were collecting on. I then asked why I hadn't received any written correspondence when I asked for it the last time ( years ago ). I requested they mail me validation of debt owed so that I knew I was paying a legitimate debt and to the proper creditors. She said they would not and that she would note that I was not cooperating and have me served legal documents through XXXX XXXX. Then hung up the phone.
I then called the original account holder who gave me a # to the collection agency they had on file, they had sold my account to another company. I then called them and they had sold it too. I'm now waiting on a call back from the 3rd buyer.
I called back to XXXX and again requested that I be mailed validation, to which I was told they sent a letter " about 5 minutes ago to my email ''. The tone of the agent was condescending and threatening. When I respond that I want to make sure that I'm not being scammed I'm told to stop yelling. I explained again my frustration as I told her these hoops I went through before calling them back. I again requested it to be mailed to which I was told no. I asked for mailing information and companies business license number. I was met with more of an attitude. I was finally given a po box , another refusal of license information and hung up on. Not to mention I got a different business name every time I called.
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| 05/05/2016 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX.
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned.
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX.
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE.
The amount owed according to ACE is {$250.00} from 2013.
I had been helped initially by Attorney XXXX.
It was my understanding the situation had been resolved.
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls.
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered.
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info.
Naturally I assumed these were scams.
Also the calls come from several different area codes and numerous calls a day.
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks.
My bills are all online & paid online.
I always pay my bills even if I need to make payments.
I would appreciate any help & /or advice you can offer me.
Thank you,
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| 10/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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This took place at Ace cash express XXXX XXXX XXXX, XXXX, Ohio XXXX. Took out a {$400.00} payday loan on XX/XX/2023 because I needed basic living expenses paid for until my next paycheck. Called the store to pay the full amount back on XX/XX/2023 and they said I had to pay over the phone on their automated line. Was transferred back and forth from their customer service line to their debt collections department even though I had no collections with them. This transfer happen 8 times and they kept me on the phone for XXXX minutes and XXXX seconds. All their lines were recorded so hopefully we can listen to them. I then called the store back to pay my loan, and they told me I had to come in to pay my bill ( keep this in mind ). XXXX minutes later I was able to rush over to the store and when I got there the attendant told me she was unable to hit the payment button on her system ( by the way this woman behind the computer was very nice, and polite, it was not her fault this happened ). So I asked her to call her manager because I couldnt believe that they wouldnt allow me to pay my bill. But it all made sense why they didnt want me to pay, its because I was in their 72 hour window and they couldnt charge me interest. So when I pulled up my copy of the contract that stated there is no pre-payment penalty I told her to call her manager back and tell her I needed to pay still. Her manager then made up some rule that was not in the contract that I had to make the payment in cash, even though its not stated in the contract this manager named XXXX said that is just is what it is, and for a fee ( {$6.00} ) I could withdraw the cash from them to pay back my bill, then proceeded to act like she was doing me a favor. This place is XXXX, and spooky very fitting for XXXX day.
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| 10/28/2015 |
No |
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- Charged bank acct wrong day or amt
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Web |
Servicemember |
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This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.
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| 04/24/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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On XX/XX/XXXX, I received a call from XXXX-XXXX-XXXX advising that I was facing felony charges. Panicked, I spoke with an agent at the same number on XX/XX/XXXX who advised the charges were for check fraud for an old payday loan with ACE Cash Express that I had completely forgotten about. The agent gave me a case number stating in XXXX that I needed to call XXXX-XXXX-XXXX ( Named XXXX XXXX XXXX, XXXX ) immediately as legal processing was already started and the charges would be filed with the courts XX/XX/XXXX at XXXX, because ACE had filed the complaint and already received full payment from the courts, the courts would then come after me with a warrant for my arrest if I did not pay the full amount the same day. I called the given phone number and provided the case number provided - the gentleman, who identified as XXXX XXXX urged that I pay immediately to avoid criminal charges on my record, having a warrant out for my arrest, and facing 3 months of jail time, and refused to take any partial payment. I attempted to explain I had seen no documents or anything on my credit suggesting I was in collections. The balance owed during the call was for {$760.00} and the bank account I used was open when I took out the payday loan, the bank account was closed after two NSF attempts went through. Wanting to avoid felony charges or jail time, I paid the balance ; and they sent this sketchy contract via email to electronically sign. After the payment was received, they gave a disclosure that if I attempted to dispute the charges in the future, the original legal proceedings would continue, and they sent an email receipt expressing the debt was paid in full. I could not find anything about this XXXX, XXXX online except for what looked like a stock website.
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| 04/16/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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On or around XX/XX/2018, my mother received a phone call asking for me and telling her I need to call them because there is a warrant for my arrest. Later that day, my Father who lives in a completely different state called and said he received a similar call stating if he did not give them my contact information, he would be sued along with me. I finally decided to give them a call because I do not get into trouble criminally so I was intrigued. When I called, I was immediately threatened with a lawsuit if I did not pay the amount owed on years old debt. I clarified with them that this was a debt situation and not a criminal suit and they said yes. I asked them why they were contacting my family in regards to a debt as if I am facing jail time. They continued to ask about my financial situation. I informed them that I had been unemployed for over a year and am now XXXX and on XXXX XXXX and did not currently have an income. The representative then stated well if you can't pay all of it we will push your lawsuit through. I explained to them that there is no possible way for me to pay them in the condition I am in now but since I am now aware of the situation, I will rectify as soon as I am able to work again. I also asked them not to contact the number I called them from because it was a family members phone I was borrowing or my parents. They assured me that they would not call that number but, this morning ( XX/XX/2018 ) that family member received a call in regards to my " case '' and got scared. Once I spoke with them they again told me to contact their " legal locating office '' or they will come to my last known address/work. At this point I am feeling harassed and backed into a corner on a situation I can not amend right now.
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| 02/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I do not recall the first time I was contacted by this company but I have attempted several times to receive information regarding the supposed debt. I received very little information just that its a payday loan that I " think '' was applied for in 2013? I may be completely wrong on that year. When they were going thru the " verification '' process they had several Identification facts correct, apparently someone did have an ID/ or an old drivers license of mine. However in the talk they asked if my email was ** it was not, they also asked what my relation was to several people, well I didn't know a single one of them. So I did digging of my own and looked the email up via XXXX, the wonders of the internet are incredible. But alas I came across another person with my name only this was her married name not her maiden name. I reached out several times to try and contact her and her ex husband and never got any replies. I am putting the complaint in today because while I don't believe this woman used my information for any other purposes as nothing has shown up on my credit report in the past XXXX years except accounts I myself have started. I have a phone number for the collections company and an account number they have affixed to it but no other information from them. They have assured me if I ignore the expected delivery of paperwork tomorrow that I will be persocuted and funds will be allocated thru a default judgement. It honestly isn't even about the amount of this loan it's the pure fact I know it wasn't me, and they refuse to show me any proof they have of who took out the loan. If they allowed someone to use my expired ID to take out a loan I have the right to be XXXX you can't even buy a beer with an expired ID lol.
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| 06/06/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a XXXX and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with ACE CASH. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY ACE CASH OR ANYONE AFFILIATED WITH ACE! They need to investigate the who I will not be threatened.
|
| 10/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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I received a {$1800.00} payday loan from ACE Cash Express to help me pay rent one month. I was following the payment plan for 2-3 payments as scheduled. I worked in a tipped wage job and business slowed down and I struggled to pay my immediate bills and was not able to pay my scheduled payments for the payday loan. This continued for several months until ACE Cash Express sent my account to a collection agency. This agency, which claims they work for ACE Cash, has employed a locating service which I believe is using unfair and unethical practices to locate and intimidate me. They have called me up to 10 times in a row and left messages stating that I was being " served '' in accordance with some legal action but was not told who the debt was with nor the amount. These calls were also made to my family members, some to extended family members in other states. They were also called several times in a row and left messages as if it was my telephone number and the messages included the same legal action threats and that I was being served. I believe the company knew they were contacting someone other than myself and still left messages containing personal information as a way to slander me and have family members contact me. These calls were also placed with my personal friends with the same revealing messages and then they began calling the owners of the company I worked for. All of these people received phone calls back to back on several different days, to the point of harassment. They all received the same threatening and personal information about myself. ACE Cash has had a judgment against them for their debt collection practices back in XXXX and apparently they are continuing these practices today in XXXX.
|
| 04/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
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Web |
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I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.
|
| 11/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I took out a loan and went back to pay it off and take a new one the next day. This is a process I have used before. When I made the payoff it was a lot higher than it usually is and the person at the store couldn't tell me why but said I was not the only person who was complaining about it being higher but the company had not released any info to the public or them about any changes. I then went in the next day to talk to the store manager and she told me she didnt have any access to my loan info only what my last pay off amount was but no details on the current or older loans to help compare. She then gave me the number to the customer service over the phone for the company I called them and they couldn't give it to me either they said the store is the only one who can provide this info. My last attempt to get the info was speaking to the area manager who told me he would get with the loan dept and find out why it was higher and get the info on the interest, When he called back all he said they were able to give me was the reason the prior pay off was less is because i took out a smaller loan which has nothing to do with what I was asking for. I mentioned it was a violation of the truth and lending act to not share the details of the loan with me when requested and if he cant get it the store cant get it the customer service number cant get it and the loan team doesn't have access how in the world can I get the info he simply apologized and said it was all he could give me. I still had to take out another loan as I wasn't financially prepared to pay it all off at once and not take a new one so I am currently making installment payments on the loan now and they cant give me info on this loan either.
|
| 10/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I received the following email today, XX/XX/18 from XXXX XXXX XXXX. I am not sure what this notice is about but I have been threatened to be sued.
Here Plaintiff ACS ( Legal Department ) XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Defender, We are hereby informing you that my client ACS is going to file a legal case against you at XXXX XXXX. Your total outstanding with late charges, interest charges and attorney charges has been reached to XXXX which is more than enough to file a lawsuit. As advised by my client, I hereby giving you a notice before filing this case.
Unfortunately, by ignoring these warnings you are damaging the excellent credit record you had previously maintained with company. In addition, you are incurring additional expenses to yourself and to us.
Be notified that documents are being prepared for the issue of summons regarding the above debt.
JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being Charged.
( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit FAILURE to make payment after judgement of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts.
( d ) Bankruptcy or liquidation You will receive a legal notice at your address within next 7 business days if this case remain unresolved. It is essential that you immediately settle this account by sending money for full amount. The consequence of ignoring this notice could be very serious.
To settle this case contact directly XXXX XXXX and reply back to the same email.
Sincerely, XXXX XXXX.
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| 06/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork.
After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " XXXX XXXX XXXX XXXX. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.
|
| 08/02/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
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Web |
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Ace cashed my check a before the actual due date due to it being a holiday without my consent, My account was over drafted as a result of this and when i called them to tell them what they did she told that they cashed it and it would n't go thru due to it being a holiday and that they were not going to reimburse me for my overdraft charges i received for XXXX. Not to mention i have already paid them double of what I have borrowed already and have always used them and paid every single loan on time every time was never late. Today i get a call from a guy calling from a company called XXXX number XXXX asking me if I will be home so he can come and deliver me some papers THRU XXXX XXXX, which led me to believe that he was a sheriff. I asked him what was this for and it said he would have to transfer me. He transferred me and it was Ace Cash Express. I was livid when she told me that this is a validation letter that was going to be mailed to my home. I called him back and told him that i will be home i was calling off, but i wanted to know what was his job title and why was he coming to my home to give me papers, He said he was a courier. I do n't feel safe with someone that knows my information threatening to bring papers to my home. The person that i spoke with said that he must have been confused so i called him back just to make sure this was n't a mistake. He asked for my work address and if i still worked for my old job and then said the name of the place. By this time i have my recorder on and asked him the same questions again just to make sure that this really just happen.And he said the same thing but got mad and said you are being blocked. and hung up in my face.
|
| 01/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
|
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I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is Friday, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the Ace Cash Express XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.
|
| 10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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XX/XX/2018 I was contacted by a debt collection company by phone stating that I would be going to jail for check fraud unless I paid $ XXXX, for a loan I was given by ACE CASH EXPRESS approximately 10-15 years ago. I am currently on SSI/Disability and I told that to the person on the line " whom I later learned was named XXXX ''. And I explained to him that I didn't have that kind of money and was struggling to make ends meet. However I did tell him that I could make an arrangement to pay something each month until it was paid off and he asked " how much '' and because of my current financial struggle I stated that I could pay at least $ XXXX- {$25.00} per month and at times maybe more until it was paid off. Well XXXX then stated that he couldn't accept that low of an amount and asked if I could ask my friends and family members and come up with {$1700.00} that day and take care of this. I again told him that I was unable to come up with that amount so he said he could lower that to {$700.00}, and I told him that I have no friends or family members that would loan me that kind of money. He then drop it down to {$500.00} ... ..and once again I stated that I just was unable to come up with that amount. He then said " well can you ask your friends and family members for {$170.00} today, to keep me from sending somebody out to pick you up today XXXX meaning arresting me and taking me to jail ). Frustrated and afraid of being arrested, I told him that I would make a few calls to someone and see what I could do. Unfortunately I was unable to come up with any money, and when I tried calling back several times I kept getting a busy signal. " Please Help Me ''? The Docket # XXXX
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| 07/05/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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The following is an email I received from Ace Cash Express Payday Loan from XXXX : I have not worked with Ace Cash Express or have an account with this company.
Ace Cash Express Payday Loan This is Attorney XXXX XXXX calling from The XXXX XXXX XXXX, XXXX TX billing department.
We are emailing you concerning an overdue bill.
Case # XXXX Your Billing amount of {$740.00} Contact at : XXXX XXXX XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is your past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report.
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off.
If you can make the first payment right now, I can set your account up so that its no longer delinquent.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
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| 11/19/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have received phone calls from multiple numbers about a past due debit when I would state Hello the call would end. Today XX/XX/2019 my mother XXXX XXXX, father XXXX XXXX and step mother XXXX XXXX have received numerous phone calls about arresting me if I didn't pay the past due debit right away. My mother was left voicemail releasing information about my self and the debit. 1 out of many voicemails I received stated " XXXX XXXX this is XXXX XXXX contacting you regarding your case in the process to be filed for XXXX County my wall when your case number XXXX is filed it does become a matter of public records and an order for your location I wasn't able to reach you by phone today so I was now instructed to contact your employer and speak with your supervisor because that is your most likely right to make contact with the office the case before the order is released when the case is filed discharge that we no longer be an option all legal rights will be forfeited in the phone number to the office the case has been provided to XXXX speak with the legal department our reference case number is XXXX is your legal notification by telephone XXXX you will now be located we in less we are instructed other wise ''. My father XXXX XXXX was told I ( XXXX XXXX ) would be arrested and toking to jail for not paying the past due debit. The lady named XXXX stated she would be going to the home of XXXX XXXX XXXX XXXX Ks to pick me ( XXXX XXXX ) up. My step mother XXXX XXXX was contacted and making threating tactics " we will '' pick XXXX XXXX up due not getting the funds right away. I have never lived at XXXX XXXX XXXX. I have attached 1 of the voicemails below.
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| 05/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
Servicemember |
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My account with ace went into collections when my wife lost her job and we were struggling to pay bills and we are back on our feet and currently waiting on back pay from the military for being on the XXXX XXXX XXXX. On XX/XX/XXXX ( which isnt a payday ) my account was withdrawn by ace for {$410.00}. I called in panic and I was told there was nothing they could do by a manager and that he will ensure it doesnt happen again and he will stop the overdraft and that we can do that according to my contract. But I e signed a paper that says I dont want auto draft and he agreed and said he will fix it. Because of that payment I wasnt able to pay rent and eventually had to break my lease and move on XX/XX/XXXX because I couldnt afford all the late fees and double rent and was threatened for eviction. After being told he would fix it I didnt worry about it and would pay the loan in full in XX/XX/XXXX. On XX/XX/XXXX {$690.00} was drafted from my account which is another non payday causing overdraft and my first rent here in our new place I cant even pay rent again, my car note cant be paid again. I have a XXXX year old and a XXXX month old. I looked for my contract and couldnt find it anywhere, I also went to other loan sites from previous borrowers and found my contract but I cant with ace and theres no proof of it so I need to see it. Why on earth would you take money from an account that goes into collections when collections means I clearly am having trouble paying it back, like why?? And the payment amounts are large and inconsistent which is also unfair. The guy told me he would handle it and he didnt and I need that money back into my account
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| 10/06/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I filed bankruptcy on XX/X/17. I included XXXX XXXX in that bankrtupcy. My bankruptcy has not been discharged. I keep getting harassing emails from them. I know some could be scam. They need to leave me alone Notice LOAN INFORMATION : Docket Number : XXXX Case File # : XXXX XXXX XXXX Past Due Amount - {$780.00} CREDITOR - XXXX XXXX XXXX Accounting Department of XXXX XXXX XXXX has marked this case as a flat refusal and press legal charges against you.
We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges.
Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your wages will be garnished too.
The total outstanding amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$2800.00} must also be paid, in addition to the debt. 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.
If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating.
If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX XXXX XXXX XXXX XXXX between XXXX XXXX to XXXX XXXX ( EST ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright 2017 XXXX | Privacy | Terms of use
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| 10/12/2016 |
Yes |
- Other financial service
- Check cashing
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- Customer service/Customer relations
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Web |
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I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check.
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check.
I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system.
XXXX refused to remove my information.
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal.
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that.
I would respectfully request that ALL my personal information be purged from their system.
Thank you!
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| 11/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Advertising
- Changes in terms from what was offered or advertised
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Web |
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I opened an XXXX XXXX account on XXXX XX/XX/XXXX. A promotional offer was advertised : {$100.00} would be credited 30 days after receiving a direct deposit of over {$500.00} within 60 days of account activation. I received a payroll deposit from my employer on XXXX which fulfilled the terms of the promotion.
{$100.00} was not credited after 30 days so I sent a secure message inquiring about the promo status. On XX/XX/XXXX, two representatives replied that the terms of the offer were different from the advertisement : " Please be advised that customers who acquire an ACE Flare account at participating stores and enroll in direct deposit within 60 days of the account creation date and receive a qualifying direct deposit of at least {$500.00} for the next three months can receive a {$50.00} or {$100.00} credit in account, to be paid out within 30 business days of the last qualifying direct deposit. '' and " Please be informed that the promotion is if Cardhholder will receive a minimum qualifying direct deposit of at least {$250.00} for the next four consecutive months can receive a {$25.00} credit per month for 4 consecutive months to their account, for a total of up to {$100.00}, to be paid out within 10 business days of each qualifying direct deposit. '' These are not the terms of the advertised offer. I replied stating that I would file a complaint if the offer was not honored and was escalated to a senior representative at XXXX who upheld previous statements.
The web page for the original offer has been removed : https : XXXX The page contents were preserved by Archive.org and can be seen here : https : XXXX : XXXX
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| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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The company name was XXXX. They first contacted a reference I listed on my application on XX/XX/20 and she was told by the guy that contacted her that he was forseeing office for XXXX County and proceeded to give her a case number for me to contact them. I contacted them and was told that if I didn't pay them, they would proceed to take action and send my information to the county to take me to court. I recently just found out I'm pregnant so I was scared, offered my card number and attempted to make a payment for {$210.00} but card was declined. I told him I would call back when my direct deposit hit and the guy XXXX XXXX told me if I didn't call back that would be a breach of contract and they would go forward with submitting my information to the county. I didn't call back that day because I wanted to investigate especially since I just don't have the funds at the moment and they drafted my account anyway. The next day on XX/XX/20, I contacted them and asked them to remove my card information and the lady XXXX told me that means they would forward my case to county. They then proceeded to contact my mother in Mississippi that's not on any of my paperwork and also takes care of my XXXX father and attempted to collect the debt from her and let her know the amount of the debt. I contacted them again and asked them not to harass my mother, she then told me her number was removed but my mother received another phone call again this time telling her the company it was for Ace Cash Express. To my knowledge it is against the law for them to harass family members and to let them know the amount of the debt.
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| 06/08/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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My husband and I took out payday loans with acecasheexpresss.com in person in the XXXX, CA office XXXX. We made payment arrangements because we could not pay the lump sum at the time. Ace Cash Express called us several times a day for over a year and had individuals calling us stating they had legal documents that we needed to sign for and we needed to be at our home or work at certain times to receive thee documents or legal action would be taken, including adverse reporting to our credit reports and felony criminal charges. They also submitted the original check for the full amount of {$300.00} after I had made {$150.00} payment as agreed which caused overdraft fees so Couldn't make the final payments and cause other payments to bounce.
It is now XXXX and we receive threatening calls almost daily from XXXX XXXX XXXX which claims they have a court case or legal action they want to negotiate for us out of court. They won't give any information about the original debt or give a case number. I know they don't have an actual court case because we have never been served actual court documents stamped by any court. We receive repeated calls from " Process Servers '' that use untraceable voip numbers and refuse to say who they hired them to serve the " legal '' documents or give us information about themselves.
We have tried to make payments but Ace Cash Express has refused to accept anything but the full amount and continues to threaten legal action, calls us names, uses profanity, and violates Fair Credit Collections Act. We have verbally and in writing asked the, m to to stop contacting us to no avail.
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| 05/31/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I had a payday loan with Ace Cash Express from years ago that I did not pay because I fell on hard times and lost everything. I got contacted by XXXX XXXX the last time on XX/XX/2018 the last time. They had a " professional locater '' call me and threaten me to be arrested any minute and that they had a warrant then she gave me a number her number is XXXX. She told me that a medaiator company is who was handling my account and gave me this number XXXX called XXXX. I talked to them and they made the same threats and I was scared so I gave them my account info. I thought about it and then called the FTC then CFPB after they reffered me. I spoke to both and they told me it sounded like a scam and to stop the debit so I closed my account and opened a new one. They also told me ask for their license. I called XXXX back and told them I was filing a complaint and I needed the license number and their names. The desk girl got really upset and said she just worked the desk, she had no idea what they were doing and she knew it wasnt right and she didnt want legal problems and said she would stop the payments. She pretty much admitted that they were a scam. the email that the sent stuff from was XXXX they call themselves XXXX XXXX, XXXX and XXXX XXXX. I asked them to email me everything and the refused the would only email a payment schedule. I want to press charges, they had me in tears acting like they were on their way to arrest me and then scamming me out of my money. I called ace cash express and the debit has been sold and I couldnt track it, where they said they sold it no longer had it.
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| 09/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
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Below is a copy of the email I received.
LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.
SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.
We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.
We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.
Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.
One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.
Regards Ace Cash Services ACE Cash Express , Inc .
( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support
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| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I recently received an incredibly threatening letter from XXXX XXXX XXXX on behalf of Ace-Inc threatening to sue me, go into my bank accounts, etc. I believe that they called me recently, and Ace Cash Express has called me a number of times over the past couple of years. I took out a payday loan with them about 7 or more years ago and the amount they claim was not what I took out. The email they sent says that I took out {$300.00} but payday loans are usually {$250.00}. What's troubling is that they have my SS, birthdate, addresses, phone number, etc. I'm pretty certain that I included this loan in my bankruptcy around the same time. The recent document is threatening to sue me, and worse. I XXXX XXXX and it says it's a scam. Many people posted that they received the exact same template letter with the same threats. I am very concerned because they have my SS, etc. and license number. I believe that years ago ACE CASH EXPRESS had a data breach and now someone has my info. They threaten to freeze my bank account, contact the IRS, etc. The thing is that none of this is on my credit report so I believe it's a total scam!!! This also is past the statute of limitations in CA which is 4 years. The document says they are suing me for {$11000.00} for one payday loan. I have not responded and most certainly won't. How do I protect myself now that they have my identity? They are claiming that they will file a judgment against me! This is nonsense! I looked up XXXX XXXX XXXX XXXX XXXX and it looks like a credit repair company which helps consumers, not a debt collector! Something is very fishy!
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| 10/08/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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XX/XX/XXXX I took out a payday loan from ACE Cash Checking from a store in XXXX XXXX. I borrowed {$250.00} and paid {$45.00} in fees. I was supposed to return a month later after receiving my check and pay off the loan. However, an ACE employee made a mistake and instead of being charged the money a month later, they wanted me to pay 2 weeks after taking out the loan. I explained that I could n't pay back the loan in such a short time, since I was yet to receive my check.
They still charged me the money and it was hard for me to make that payment and still have enough for rent, bills, and more importantly to be able to provide what my XXXX kids needed. Because of ACE 's mistake, I had to renew the loan instead of paying it off as I had hoped. I fell behind on my phone and other bills. Every month I returned to renew the loan because I could n't pay off the full amount without falling behind even more.
For 3 years I renewed the same loan. XX/XX/XXXX I had an XX/XX/XXXX at work and I was unemployed for XX/XX/XXXX months and was now receiving XXXX. I could n't afford to pay the loan and went to a friend for help. She lent me enough to renew the loan, but now I owed her and ACE. I continued with the loans a few more months until I really could n't do it anymore. I had to default after paying roughly {$1600.00} in fees alone over 3 years. A bit after defaulting I began receiving call and letters asking me to pay back what I owed. Still 2 years after defaulting, a collection agency is still calling asking for the money. I 've paid enough to ACE and can not continue with this cycle.
|
| 11/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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Yesterday I received a phone call from XXXX stating that I owed {$790.00} from an online payday loan in 2017. They also called relative. On both of our voicemails they left a case number and a phone number to call. No name of the company.
When I called the number left on the voicemail, XXXX, they said that my case was locked because someone was filing charges against me for breach of contract and a fraudulent bank related charge. They put me on hold for about 2 minutes so that they could request for the case to be made access to them and came back on the line. Then they said that they were indeed able to gain access. These two charges plus what I owe would then cost me {$1900.00}. Thats if I didnt pay right then. If I paid right then, over the phone, then it would be {$790.00}.
They still could not give me a company name and would only told me what the company did which was to collect debt. I told them that Id be willing to pay if they could offer me something in writing before stating that if I paid, then Id be cleared. They said they couldnt do that.
The company said that after I made the payment, then theyd be able to offer documentation. Im not sure if they were telling the truth, but demanding someone to pay money over the phone without anything in writing just doesnt seem ethical to me. Then theyd have my bank information and who knows if it was even for Ace cash express.
Throughout the call they suggested that I would need to contact an attorney and at the end they told me good luck. I think that the whole call was an intimidation technique and thats not ethical.
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| 06/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job.
Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold.
Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case.
Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court.
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 meet you in court house. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means.
Our intention is not to threat you, it is only an effort from outside to settle this case outside the court.
Come back to us ASAP, as the case in hand is time sensitive.
Your Sincerely, XXXX XXXX Sr. Executive Consolidation Dept.
ACE CASH EXPRESS _______________________________________________________________________
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| 10/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX .- These are all the dates this company used a skip tracing robo dialer system to reach me. On the first initial contact I missed the call and called back. I talked to a gal. Which informed me the call was about a payday loan I took out and fell on hard times. I let herr know that I am in the process of taking care of my delinquent debts and would like something in writting. She let me know she can email it to me. I provided and verified the email address with her. She was very pleasant. The next couple of calls I did not answer for I was at work. I then got another call and answered it at work and let the rep know that I am ceasing all future calls to myself and she told me there was nothing she can do about that calls and cant promise that. I then let herr know at this point I am educated with the law and let her know again her company is not to contact me on my cell phone again she rudley cold tranfered me to what she called a specialist. I ended the call. Today XX/XX/XXXX at XXXX I answered the call and again its that comapny with a skip tracing messaging used via a robo dialer system ( not a live rep ) I had to press 1 if I knew the wear-abouts of myself. I was then transfered to a live rep = Which i informed the rep they are robo dialing a cell phone and they have been ceased from communication. he claims i have to send a letter. I let him know that I verbally told the company already twice before. as I asked in what this is pertaining he terminated the call.
|
| 06/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments
|
| 04/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Hello, I have received a call from XXXX group in attempt to collect a debt on XX/XX/2017. During this call I requested that they send me a hard copy letter with more details so that I would feel more comfortable giving my banking information over the phone.They said they would do so, as well as sending an email. I did receive an email, however it seemed fishy because the senders email address was a different name than the name that was signed at the bottom of the letter. Since they agreed to send a copy through classic postal services, I decided to wait until I received the hard copy to ensure it was not a scam. I haven't received anything in the mail to this day, so I assumed that it was not a legitimate call as they didn't provide proof of debt in paper, so I proceeded to ignore any calls from that number until I could receive verification. Now my relatives are calling me, saying that somebody is looking for me and that there are charges against me. My aunt even stated that after she spoke with whoever was calling her about me that he said " She can consider herself served ''. I'm not sure how to take that but I do feel threatened. Today I sent a certified letter to XXXX XXXX, with my updated phone number asking them to send me something in paper so I can go ahead and make arrangements to clear the debt. I have also called three different numbers that seem to be linked to this group, and the line doesn't even ring. I will attach the letter, I sent along with receipts to this record. I will also attach the email the " XXXX representative '' sent me as well.
|
| 05/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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My original payment amount was {$700.00} dollars. I had called and asked how many days I had to return the money and they had told me 7-10 days to pay off. I paid off the loan within the time frame. I had previously been charged a certain fee. The original loan date was XXXX however I did not get the deposit until the XXXX. ( this information comes in hand later on ).
I never received a notice, a letter, or an email advising of that pending amount. I am currently unemployed and I do not have the funds to be paying off excessive amounts of money.
I spoke with a representative today ( XX/XX/XXXX ) and I told her that I wanted my money back. and that I was not aware of what was owed.
She gave me an email to see if I could get my money back and set up a payment arrangement but she told me that there was nothing further that she could assist me with. That I according to her knew that there was that balance owed.
She also told me that I had 72 hours from the time the loan was processed to return the loan. How do I return a loan in 72 hours if it took the loan 72 hours for me to receive???
I paid off the original amount of the loan which was {$700.00} within the 7 days that they told me.
They then removed XXXX from my bank in a check form! they do not notify me that I owed something!
I need a resolution ASAP since I am unemployed and do not have the money to cover this loan.
With everything that is going on in the world and this whole covid19 and unemployed thing going on, i would think that they would try a little harder to assist us in getting our back.
|
| 09/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.
SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement.
We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time.
We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.
Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.
One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.
Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.
SETTLEMENT AMOUNT - {$400.00}
|
| 06/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I was contacted by a person named XXXX XXXX who said he was a locator for a company and needed to verify my information so that he could serve me with paperwork for a possible claim being brought against me. When I informed him I had no idea what he was talking about he provided me with a claim # XXXX and the phone number XXXX of a company that he says he did n't know the name of because he claims to only received sealed packages. Said I needed to speak with them within 30 mins or he would be calling me back. XXXX called from ( XXXX ) XXXX and called 3 times in a row each time I did n't answer, so he called me 7 times including today ans has left me 2 messages. When I called the company ( XXXX XXXX XXXX ) that sent him, they informed me that I owed them because they bought a debt from Ace Cash. I asked for backup documentation and he told me that I was well aware of the laws about not meeting my obligations and there was nothing else he could do for me and would notate i was unwilling to resolve this voluntarily. I asked again for documentation that I owe his company money and that the law requires him to provide it to me so I can review. He informed me that my stall tactics would n't work and that would proceed with whatever avenue they have. He claimed the person calling me did n't work for his company and was a locator hired to serve me documents. After XXXX XXXX called me this morning, I sent him a text messages informing him that he was harassing me, he company refused to provide valid documentation and that I was reporting his number to your office.
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I have done business with ace cash express in the past and was able to pay the loan/s off. So this time around I ended up needing to take out another loan with ace cash express I Bel it was like last year. And because I was having trouble making ends meat at that time, I haven't been able to pay them back this time. My plan is to pay it back. Well today our of snow I receive an agressive call by a unknown number in XXXX. He stated that I was going to be sued and that my case was redflagged and that they were getting ready to take me to court and that if I didn't make a payment they were going to continue with the he summons. I am so scared right now that I cried. And am still shaking. He gave a case # XXXX and to call this attorney at XXXX to stop the civil suit against me and to ask for a " Stop order on case '' .And he said, I had two case 's that were so serious and had been filed against me that I was en serious trouble. So I called that number and the man said he was an attorney and I gave him my information and he threatened me that if I didn't make a payment here soon, I was going to jail. He said, I owed ace {$1800.00} and I gave him my bank information and my card number. And he forced me to make XXXX $ payments every two weeks, in which I don't have. I hung up. I looked online and there was my account open and unpaid in the amount of {$1700.00}. He said I have to make 6 1/2 payments. If I did not comply they would severe me and I would go to jail. I am really scared right now. My XXXX XXXX flew off the roof. I have never been threatened before.
|
| 07/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
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I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide 2 forms of identification and that at least 1 of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with XXXX or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the XXXX I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for ACE cash express I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
|
| 12/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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I have been getting emails from Collections from various debt collectors for the past several months. Usually I delete as scam emails but occasionally I ask them to validate the debt, which they never do.
Tonight I received an email from ACE collections and it says I have to appear in court on XX/XX/XXXX. The email is contains no contact info for court or collections department. It does however contain a link to appear in court via XXXX XXXX.
I have pasted the email below to better illustrate : " XXXX XXXX XXXXs : ( XXXX XXXX XXXX ) From : XXXX Dear XXXX, Phone Number : Despite our previous reminders, we still have not received any payment or answer from you. Therefore, we regret to inform you that we are downloading your case file and will conduct virtual court appearances on XX/XX/XXXX, using XXXXXXXX XXXX and telephone conferencing. The meeting invitation or court appearance notification will tell you how your appearance has been scheduled. If you are uncertain, contact the court, directly.
IMPORTANT : You are prohibited from recording video or audio, or taking photos or screenshots during a virtual proceeding.
( See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Appear Using XXXX XXXX OR Appear by Telephone ( not using the XXXXXXXX XXXX app ) If the court scheduled a telephone appearance for the case, the court will call you on the date and time of the hearing. Be sure your phone is near you.
If you have questions before the court date, Email us back so that our attorney can help you or send us the payment today to hold this case file ''
|
| 07/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled.
I received an email from an " XXXX XXXX XXXX XXXX XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further.
This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action.
I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.
|
| 04/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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A company with the name XXXX left me a voice mail the morning of XX/XX/2021 at XXXX stating they are calling in regards to my case which is in the process of being filed against me in the county of XXXX XXXX XXXX . I was unable to take the call because I was still asleep after spending a long night taking care of my grandmother, IMMEDIATELY they begin calling my sister, my grandmother, my parents. I woke up by calls from all of them saying the XXXX XXXX Police Department called saying I am required to contact them or they will take the case further my grandmother thought I had been arrested and began crying for hours. I listen to the voice mail before calling and I believed it was a scam, the voicemail has no specifics, no company, no mention of what the debt is, no notification about the claim. Ive never received a call from this company before, Ive never been notified before of a debt being given to collections, I get a call today saying I am going to have fraud charges filed against me unless I pay. I am already homeless, I dont have money. This company made my family so concerned and made me so concerned I had to borrow money I do not have to pay off something that wasnt even in collections and I most likely would have never gone to court for. But they harassed my family, they called my last employer, they made my grandmother cry and fear that I had been arrested. And the first time I am notified of this debt until the end when it was solve was all in the matter of 3 hours. They did all of this, in three hours to collect a petty debt.
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''
|
| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
In Re : Ace Cash Express Online Store I was trying to pay the loan off ( in full ) early to avoid a large interest rate and additional fees. When I tried to pay the loan off on XX/XX/XXXX, the website would not take my payment, nor would the customer service automated line, nor directly with a customer service representative. I was advised by customer service that I would have to go to the branch closest to me to pay the loan amount in full. I advised the customer service representative ( CSR ) that I was out of state and that paying at a local branch was not an option for me. I insisted that the loan be paid over the phone. The CSR said she didnt have the ability to take payment by phone. I called the Ace Cash office closest to where I live ( XXXX ) and that CSR advised he couldnt take my payment either since the loan request was all done online. He advised to go to any branch to make a payment.
I had to go to a branch to pay the loan off, and even then, the branch said they would not be able to accept my payment. I had to insist that they call a member of management. As a legally XXXX customer, I found it extremely difficult to not only try to pay my loan off early, but to also have to physically go into a branch. I was able to pay the loan off within the 72 hour window, and was still charged for interest that had not yet accrued. When I went to the branch and asked for a copy of my loan docs, the representative said that she was unable to do that.
I received the loan on XX/XX/XXXX and paid it in full on XX/XX/XXXX
|
| 03/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I was contacting two days ago by some type of debt collector law firm and they're claiming to be some type of law firm for some type of payday loan company that's stating that I received a loan in the amount I think it said {$850.00} from them and that I never made a payment on it I have never gotten a loan in my life I do not have any credit whatsoever nobody would give me a loan if I tried but this is a payday loan and payday loans are illegal and North Carolina the state I live in so it's not even a possibility that I could have ever gotten this loan I had applied for some loans a few months back online none of them worked out I was not approved for any of them approved for any of them and this debt collector is very rude and I have told them the situation that I do not know what they're talking about I don't even know who this company is at the speaking of some kind of cash advance company and he is stating that I have got assigned contract with these people which I do not and he is threatening me on a daily basis over this and I want this taken care of I want my name taken off of whatever it is that they've got it on here is a quite from the email of who they say they are representing.
Note : This notice is provided to you on behalf of ACE Ace Cash Express. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates ... ... here is the email in which I am being contacted from ... XXXX XXXX
|
| 03/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
In XX/XX/XXXXof last year I got a loan from ACE Check Cashing so i could keep my self afloat. I had just lost my job and filed for unemployment ( i was told verbally was approved ) at the time when i took the loan. At the time the person i had been dating all year stole that loan money and disappeared i have not seen or heard from them since then. but now ace check cashing has filed a law suite against me because i have not made payment on my loan with them. I paid XX/XX/XXXX and nothing since then. they claim i knowingly committed fraud and thats what they are trying to charge me with. That is called Slander and not for them to determine. They are not in the business of judging some one like that. Over {$700.00} they are going to ruin my current life and future by making a FRAUDULENT claim against me that is SLANDER if pretty sure both of those are illegal. They reported my social security number to the social security administration as fraud. At a time when I am dealing with job loss, while my health takes the turn of needing to be placed on XXXX. iIn XX/XX/XXXXmy lease ended on my apartment. in XX/XX/XXXXI took this Loan with intent of renting an apartment till ( the former partner ) took off with that money. In XX/XX/XXXXi paid XXXX they filed fraud claim against me. By XX/XX/XXXXI already started process of filing for bankruptcy. I had no phone no job no place to live so that give ace check cashing the wright to file claims of fraud on my social security number preventing me from ever being approved of any thing.
|
| 06/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Creditor from XXXX XXXX ( rep named XXXX ) contacted me for a second time on XXXX XXXXXXXX XXXX, I informed her that this account was not mine and someone opened it fraudulently. I asked to please do not contact until validation that I requested is received by me and reviewed.
I Contacted creditor back on XXXXXXXX XXXX and they refused to provide their full company name and address to send them appropriate correspondence. The gentleman who did not provide a first name stated that I did not request validation until XX/XX/XXXX which is false. He then Proceeded to hang up the phone.
Let me clarify that I Requested validation XX/XX/XXXX, at XXXXXXXX when XXXX contacted me via phone, and she provided a civil complaint file number. That interaction is on recording.
I have absolutely no knowledge of opening this account and I reached out to the creditors in XX/XX/XXXX requesting validation. They failed to provide anything other than a statement from Ace Cash. The statements provided also did not have my correct name. My name is XXXX XXXX XXXX, and the account was under XXXX XXXX which was my father 's name who also resided in the same address at one point. This account has since then been marked as fraud and removed from my credit report. However, XXXX XXXX continues to contact me and threatened to send someone to my home with lawsuit documents.
Contacted XXXX XXXX one final time to get their mailing address and I spoke with XXXX who provided me with their full business name. This interaction is on recording.
|
| 02/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up
|
| 01/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received call from XXXX at XXXX XXXX from XXXX XXXX representing Ace check cashing. I was advised that the line was being recorded she represented herself as a legal rep administering mediation. Advised that I was being sued for writing a bad check and it was XXXX that I was also facing criminal fraud charges fir an XXXX Violation. I could rectify it by making a payment of 50 %. I questioned the who the creditor was she stated it was Ace check cashing stated this was from XXXX ( Mentioned an old employer and bank ) I advised I had no idea what they were referring to I requested documentation to support these claims. The lady stated that they sent me the information via mail and this was my last attempt to rectify the situation I told them I had never received any such information she said its my word against the creditors. I said well id need the information to forward to my attorney. She then stated that she was going to transfer me to the legal department to file a dispute. Another lady got on the phone said she was from arbitration the documentation I was requesting was not available to me they would be placing me in check systems and I would get a notice to appear I would be served at my residence or current employer conversation ended. This is a clear violation of the FDCPA and This company contacted a family member regarding this requesting employment verification. I do not want them contacting family and my employers current or former I dont owe any debt to them and this is over 10yrs old.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}.
Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days.
Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX
|
| 01/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.
|
| 02/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent.
I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
The company claimed to be from XXXX XXXX and called me from number : XXXX. The person on the phone the ENTIRE social security number over the phone when I told them I did not know what debt they were talking about because I don't owe ACE Cash Express any money. THE SSN was said without even verifying this account! They said they were from XXXX XXXX and would be freezing my access to my Visa, Mastercard, and any other credit cards because they were suing me for the {$990.00} dollars I owe from an outstanding balance from XXXX, XXXX, XXXX. I said that I have no knowledge of this debt and it's not on my credit report. They continued to tell me that it is considered an " arbitrary loan '' and that's why it won't be on my credit until I go to court. I said how can I even know that I have this debt if I haven't received anything in the mail? I hung up the phone then called back the number to see if it went to a legitimate business. The person it routed me to say the address was XXXX XXXX XXXX XXXX XXXX Massachusetts. They continued to tell me that it would be going to court, and I would have my access to my credit cards frozen. I again asked for a debt validation letter, and they refused to give me one until I make a payment arrangement. They told me that the debt collection letters they sent to me counted as debt validation. I never received any letters, so I have no idea what they are talking about or what the original amount is, or IF this is even money that I owe.
|
| 10/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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On XX/XX/XXXX they called me stating they were going to file a legal case against me. Stated they couldnt provide anything in writing unless it was a payment plan. But I told them that was odd cause by law I have the right to receive something in writing in regards to this case. They said no. They aldo called my ex husband and provided non pertinent information to him and provided a case number and everything.
When I called the number an XXXX XXXX from XXXX XXXX XXXX misrepresenting herself and the company she worked for. She was the one trying to get me on a pmt plan however I told her that I wanted something in writing she stated she couldnt and giggled and said she wished me the best of luck with XXXX County. They dont even have my current address and didnt even ask me it. Lack of professionalism and misrepresentation of company.
I called again to ask them for a company address then I spoke to an XXXX from the " proceedings legal department ''. He was rude. He raised his voice at me and said he was going to proceed legally if I didnt agree to a payment plan. Told him I wanted something in writing and he said they didnt provide anything that the only thing he was going to send was the legal paperwork. I told them I couldnt agree to anything if I didnt know who they were and he stated he wasnt allowed to provide me with any information. That he understood that I was upset because they called my ex husband but that wasnt his fault because they used a locator.
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| 09/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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The company reports that they hired a private investigator to contact me. This PI contacted 3 of my family members at their place of employment. The PI disclosed that I was being sued for debt and demanded that they provide her with personal, identifying information. She called my brother-in-law, a XXXX for a police department, 6 times on his work cell phone. He was obligated to answer as he thought these calls were work related. These calls were inappropriate and interfered with his ability to perform his work duties. These calls also placed him at risk during an already risky occupation. The woman was harassing multiple family members by calling them at least three times while they were at work. She also called my terminally ill parent and scared them. Over 25 calls were made within a three hour window on XX/XX/18. I called the company to file a formal complaint and the first woman hung up on me ; I called back and a gentleman said they can not do that. They would not release the information of this woman ( PI ) and they would not allow me to speak with someone in charge. Additionally, they did not have valid or updated information which was why they were unable to contact me. This company uses fear tactics, harassment, and shame to pressure people into releasing personal information. Their tactics are harmful to people who are already in an unstable situation. Please note that when I was actually contacted and made aware, this debt was paid in full.
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| 09/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
|
| 08/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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This is regarding a {$250.00} payday loan I took out a long time ago from ACE Cash Express back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me.
I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called XXXX XXXX and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the industry using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.
|
| 12/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/2019 XXXX Central Time : received a missed call from an unknown number.
XX/XX/2019 XXXX Central Time : received a voicemail from the unknown number. Caller stated her name was XXXX XXXX, shes an independent courier for legal documents that I have to sign.XXXX then stated shes scheduled to make an appearance to my residence or place of work. Refusal will result in legal action. She provided a number to call to schedule a better date or time for her to come. XXXX XX/XX/2019 XXXX XXXX Central Time : I called the number provided in the voicemail ( XXXX ) XXXX, a male answered stating the companies name was XXXX XXXX As we talked he said he was acting on behalf of Ace Cash Express because of a loan I defaulted on this year. He said I had 2 options to pay the debt or be subjected to legal actions which would then triple my debt and that wasnt including lawyer and court fees. The representative and I made payment arrangements and I was transferred to their verification department where the next representative confirmed my card information and made me sign a document saying that Ill pay this debt and if I dont legal actions will be taken against me.
After this I researched the company and how legal this was and I discovered it wasnt legal at all.
The same person from an unknown number called my mother stating the same information before I called the ( XXXX XXXX XXXX again to complain about the illegal practices theyve been using
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| 12/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
Hi, I was checking my Experian credit report tonight and noticed a collection account as shown as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : ACE CASH EXPRESS Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015.
Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe Ace Check Cashing, nor have i ever taken out a payday loan with Ace Check Cashing due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at Ace Check Cashing was months ago for like around XXXX dollars, I have a great record with that company Ace Check Cashing in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other XXXX Citizen/Nationals.
Respectfully, XXXX XXXX XXXX
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| 06/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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XX/XX/2020 Received a call from my county Court House stating he was a investigator XXXX from XXXX XXXX County Court ( ( XXXX ) XXXX. I called the court house and clerk was not able to located any case against me nor a investigator XXXX that might of called from there, she didn't understand. He stated he had a affidavit and needs to present a summons before it is presented to court he left a message for me to contact attorney office in New York ( XXXX ) XXXX to resolve and get information. Called a XXXX answered stating he was from XXXX XXXX and that I owed money to Ace Cash Express. Never received any paperwork stating of my debt from the actual company. He told me if I didn't resolve it they would go to my home and employer and I will be prosecuted. I mailed them a Money order for the amount of {$530.00} they wanted more and the settled due to fees and so forth. I mailed it to them because I recalled having a loan out several years ago and maybe thought I didn't take care of the payment. Then I did my calling to Ace Cash Express asking for a receipt that the debt was taken care of and they told me they don't take cases to court for payday loans and the amount I owe is only {$310.00} and they did not receive any payment from me. Till this day they have not received a payment. My account was sent out to several collection agencies I called all of them phone numbers were provided and this office is not one that they work with.
|
| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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On XX/XX/2021 I received a phone call from a third party locator stating that there was legal action that was going to taken on me. They stated they were looking for me and it was for an old pay day loan of {$290.00} that I didnt pay. They have made phone calls to multiple family members with this information. I called back the number that was given XXXX with the case number XXXX. When I called the representative at this company basically told me that the case was being filed and I needed to pay it today or else I would have to go to court. I have never received any type of legal documentation or have I received a letter from this debt collector. I tried to call back today XX/XX/2021 after contacting ACE CASH EXPRESS in which their representative told me that they have sold my debt but that this collection agency should never threaten me and they dont take legal action against people that dont pay their debt. They gave me a number to call so I can report this collection agency which I did. Anyways so I called the XXXX number and tried to resolve this issue I did mention to her that I connected with ACE and they told me they would never sue me and I asked her why this company would use these tactics on people and scare them into giving them possibly all the money they have for this debt. She didnt say anything and continues to tell me there is nothing she can do for me that my case is now being filed and I can not resolve it.
|
| 12/02/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I applied for a payday cash advance for smaller amount but was told the only fund loan in the amount of {$2500.00}. The representative told me that if I did not want that amount then I could give back a portion to lower my loan amount. I agreed and set up weekly automatic payments for an amount to goto principal. When I got the monthly statement I found it was going to the interest only. The following month I lost my job and asked that they no longer do automatic deduct from my bank account. They agreed and stop the withdrawals. However, each week I would get a call about making a payment. I was honest to say that as soon as I got a new job I would start payments again. The representative said they would note the account but might not stop the calls. I said I was would take the calls and keep them informed of my situation. Then the call stop coming. This week I received a call from a law firm that was trying to serve me because they are filing a civil suit for breach of contract and check bouncing. I told the firm I did not bounce any checks because I never wrote any checks. I also explained that I am looking for work and asked could I set up a payoff for after I get a tax refund in XXXX or XXXX. He was rude and said that they will be suing me so that they can garnish my wages when I do return to work. I do n't believe this is necessary and would be an embarrassment for my future employer to receive that type of paperwork.
|
| 03/31/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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I have contacted ACE Cash Express several times at the beginning of the pandemic stating that I had a 100 % loss of income and that no payment arrangements will be made until my employment is back up to a manageable level. They refused to work with me. I sent them an email restating the same thing. I'm doing all I can to feed my son during this time while attempting to rebuild an income. I'm 100 % on unemployment right now. No arrangements will be made until income is restored.
They have repeatedly contacted me regarding this debt after I contacted them to stop the harassment. They have showed up to my dead father 's home in the state of Michigan, six years after his death. They have contacted my brother in the state of Michigan after I told them to stop harassing me.
They have filed a lawsuit in the state of Texas in XXXX XXXX regarding this. I have contacted the phone number and case number regarding this legal claim and was told I need to deal with Ace Cash Express directly. They were not even able to provide me with a contact and phone number.
I have contacted ACE Cash Express AGAIN, at their corporate offices and very explicitly and blatantly told them to stop harassing myself and my family we are in the middle of a pandemic and millions including myself are still unemployed. It is unconscionable that this is happening during this time after they have been repeatedly told the situation and to STOP HARASSMENT.
|
| 09/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.
|
| 01/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Has called my cell phone several times XX/XX/20, XX/XX/20, XX/XX/20. Left several messages stating they were contacting me from the processing dept and they received an order and will actively pursue my place of residence or employment to serve me papers.
They also called my ex husband on his cell phone on Monday XX/XX/XXXX and left the same message.
On XX/XX/20 suspecting scam/fraud I called the number left on the voice mail at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with a female who provided the name of " XXXX. '' She providing me with all of my PII ( all correct unfortunately ) stating I have an unpaid debt from Ace Cash Express in the amount of over {$900.00}. She suggested I pay the " discounted '' rate of over {$500.00} to avoid the following- Says a Process Server or Courier is coming with papers to sign Threatened to go to my place of employment Insists I have been notified via several mailed letters to my current address Refuses to give a company name or verifiable Contact source Refuses to send proof of debt via US mail Repose of my car ( stated accurate and current vehicle info ) Can have my accounts/ funds frozen I have never opened up an account/loan to Ace Cash. I obtained my credit report and there is not any recent incorrect activity and nothing listed for Ace Cash.
I tried calling back several times to speak with someone in regards to incorrect info and was hung up on each time.
|
| 05/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
So my sister received a call from some collections firm representing ACE Cash Express. The firm stated that they have been unable to reach me and told my sister that she needed to contact me to notify me that they are threatening criminal charges against me for and unpaid debt i had in the amount of XXXX dollars from 2015. Als o that the needed to serve me papers at my place of employment of a law suit as well for Fraud. the released all this information to my sister who is only a reference. She then contacted me and gave me the firms contact information. So I called and was willing to make a payment arrangement with the firm after being threatened in the same manor, with a law suit and criminal charges and coming to my place of employment. I then told the woman i was speaking with if i could speak to someone else because she was being extremely rude and yelling at me and she said no. She stated that that was my only option was to pay XXXX every 2 w eeks I said I was not able to do that and she said well we are pressing charges on you then and proceeded to hang up on me. The woman would not give me her name either. This has caused so muc h stress on me at the moment my fathe r is really sick XXXX in th e hospital and then i receive these threats. Is there any insight on this matter? The contact person that contacted my sister left the following information : XXXX XXXX XXXX Case # XXXX
|
| 05/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2021 I called XXXX & XXXX XXXX, my mother in law received a call stating that they were looking for me and wanted to settle a debt before proceeding with a lawsuit against me, this is was News to me has I had not received any correspondence or phone calls. I immediately called the number and spoke with a young man who was very polite and helpful, I told him I would call him back after I had looked as some options and spoken with someone with a little more expertise, I called back after weighing some options and asked to speak to the previous young man but was sent instead to his manager XXXX XXXX, at first he seemed nice enough to conversarte with, but when I asked for more time to understand what was happening, he became belligerent and condescending, I was trying to explain to him that I had not received any written documentation of what I was being charged for, but speaking with him became very difficult because of his constant interruptions and continued escalations, I requested to speak to a manager at which point he stated that he was as far as I could because his boss didnt deal with someone like me, Essentially being condescending, he then hung up but not before stating that hed see me in court. I called back immediately and asked to speak to anyone but him, I was then transferred back to the original person I had spoken to and was able to resolve the account in a Better way
|
| 12/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I received a phone call on XX/XX/2020 from XXXX at XXXX saying they were the lead officer and we're sending out officers to arrest me due to defaulting on my loan and committing fraud. I said I had no idea what they were talking about. They then said to call their legal department and gave me this number : XXXX. I called that number and they picked up on first ring and just said hello, how can I help you. I then proceeded to ask for the legal department and they said they were it and asked for a case number. I gave them the case number that the previous caller provided me with. I told them I had absolutely no idea what this was about. They told me they were just about to submit my case to XXXX County courts for frauding an FDIC institute. I told them I didn't take a loan out. They said it didn't matter if it was me or not because unfortunately all my information was submitted for a loan. They then told me I only had 2 options. Either go to court, or set up a payment plan with them today. I told them I had no money and there was no proof that I took out this loan. They repeated the options again. I was terrified and gave them my card information. They then said I would have to make 7 payments of {$140.00}. the said if I missed one payment, I would go to court. They said because I set up a payment plan today, they temporarily froze all legal action. They said it was for Ace Cash Loan Express.
|
| 08/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX i went in person to ACE CASH EXPRESS located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. I inquired what i need to take a loan out with them sense I've previously taken one out on 2017. The representative said i only need my most recent pay stub and a proper verification of checking account. Which i provided, and never did i sign a application. After all updates were complete the representative told me i qualify for XXXX, and at this point i still haven't signed anything. Then immediately received a email thru XXXX XXXX, that i have a new hard inquiry. I asked the representative if she ran my credit. Witch she confirmed she did. I never gave her a written nor verbal consent, to run my credit. She never asked verbally nor in written if she could run my credit. I called their customer care line, and spoke to one of the supervisor. She explained that they don't need to consent for running my credit, and that its part of there companys policies not to ask the borrower for a consent to running their credit. The only thing i signed stating that its ok for ACE CASH EXPRESS to report to the credit bureaus was the actual lending agreement, but the agreement was giving to me after they ran my credit. I decided to take the loan out sense the damage has been done. I don't feel its right for them to run my credit with no consent. They should start asking customers before doing so!
|
| 06/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
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|
Web |
|
|
I recieved a threating voicemail around XX/XX/XXXX and when they called back XX/XX/XXXX or XX/XX/XXXX I managed to answer the call the claimed they were calling from Ace Cash Express and have orders to find and detain me unless I proceed to arrange payment on a loan I took out In XXXX. They said they can stop allegations towards me if I pay the about of XXXX $ or They can take me to court and they would ask for XXXX plus and I got so scared i would get arrested and lose my job so I made the first initial payment and made 5 other payments, in total I payed them XXXX . Yesterday they called me harassing me again because my card didnt go throught because its overdrafted since I lost my job I dont have way to pay for that. They threatened to located me at my job and find me at my address and i called them back and they would not pick up. I called my local government office to see if there is any claim against me and they had no records of anything online, I also called ace and they didnt have my loan come up since it was from a while back or the representative was rude and lazy and didnt want to look the information up. Either ace hired someone to collect for them or a scammer scammed me for XXXX . They wouldnt give me an official address for their office, which makes it a scam to me, their name on my bank statements is XXXX XXXX. I have since blocked my card and reported them to my bank.
|
| 06/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.
|
| 04/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
In a moment of desperation I came across Ace Cash Express online and applied for an installment loan. i was happy to be approved as my credit is not great. i then realized what kind of interest and penalties this company was charging and i was appalled! I then qualified for a consolidation loan with my local credit union. XXXX XXXX XXXX XXXX XXXX. I had other loans to consolidate and when i approached these other institutions for a 10 day payoff they were compliant and helpful. When i attempted to receive my XXXX payoff from Ace Cash Express they were extremely difficult to work with. instead of an official statement with payoff and accounting they would only send me very vague hand written emails. this was unacceptable to my credit union and has delayed my ability to pay them off. and everyday the loan is accruing interest. i need all the loans paid off in XXXX shot with this consolidation loan, and Ace is stonewalling me from getting the proper documents. i called over a dozen times, spoke to numerous supervisors, and emailed them at the headquarters. i was still never able to receive a statement of accounting or an official 10 day payoff. i began to research this company and found tons of information about extortion and fraud they committed. Multiple fines from the California XXXX, and there is even a {$10.00} XXXX settlement with your Bureau of Consumer Financial Protection
|
| 04/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I continue to receive calls for a payday loan ( Ace Cash Express ) I took out in Texas but had since received a letter from them years ago stating that they had discharged the debt. When offering to send them a copy and asking for their address or email they will not provide and start cursing me and threatening legal action. The do not cease to call me eventhough I requested they send everything to me in writing in which they have not for months now. They just keep calling and harrassing me and not giving me any recourse to present evidence of debt not owed and no proof presented to me that the debt is still owed, which it isn't because I believe they went out of business in Texas or got sued for practices or something but the letter was sent to me while I was in Texas of the debt being discharged. I'm sick of the calls, the harassment and the rudeness!
It starts off as a robo call press # XXXX to be connected then it connects and then they give you your dob and name and verify it's you then when you say i've received multiple calls and have tried to get an address to send proof they start cursing and telling you that " you seem very angry '' and berating you and telling you that they don't need to give you an email or address that they are going to file a civil judgement against you and threatening you. But they give no means to send proof of debt not owed. It's harrassment!
|
| 06/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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I was just called by an automated system on XX/XX/XXXX at either XXXX at XXXXCST or from XXXX at XXXXCST and stated a complaint had been filed against me, gave me the account # # XXXX and that I needed to call them. at XXXX.
I called and a gentleman ( putting it kindly ) by the name of XXXX XXXX essentially said are you " my name '' and I said yes. He stated I owed {$440.00} to " Ace Cash Express '' and I said who is that. Then he basically berated me for about 45seconds without me saying anything then told me I'm suing you for over {$2000.00} in court or pay me the $ 400+ amount and hung up.I didnt even have a chance to say okay I'll pay. Even though I dont know who this gentleman is.
I've called the Ace Cash people and they dont have any knowledge of it. I'm not sure what to do. I have a good job, make decent money and can afford to pay it if I owe it. However, I dont know what this if for. I've never received a bill or any documentation. If I owe a debt I have no problem paying for it. The only debt I currently have is my mortgage and student loans. My XXXX and XXXX are paid and I'd like some help figuring out what to do. I wont use the words he used but this really upsetting. XXXX XXXX number is XXXX I do remember getting a payday loan back in the early XXXX 's era but paid that.
I would appreciate any assistance you guys can provide me. Many Thank, XXXX XXXX
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| 11/19/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Family and friends were contacted multiple times by a woman named XXXX XXXX in attempts to collect an unpaid debt. I was notified by a cousin, family friend, great aunt, as well as my mother to call them to resolve the issue. XXXX XXXX used a threatening tone towards all individuals she contacted. She states that she would that I would be located in person, she went as far as to provide car license plate number. She threatened to contact an employer and speak to a supervisor. She also insisted that she would call and contact everyone until I was located. I resolved the issue XX/XX/19 via phone. I paid XXXX {$200.00} as well as set up a payment plan for the remaining balance. XX/XX/19 I verbally told the company to stop harrassing family and friends. I provided an E-mail and let XXXX XXXX know that I can be reached there and to cease all other forms of communication. They said since I made a payment and set up a payment plan the calls would stop. I went a step further and also requested an address for the company to send a formal cease and desist letter to stop the harrassing phone calls. XXXX never provided me with an address. XX/XX/19 family members are still recieveing voicemails from Ms. XXXX XXXX. She is stating that she will call until I am located, however I already resolved the issue. At this point my family and friends are being harrassed by this debt collector.
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| 12/06/2016 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you.
We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges.
Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too.
The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. 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.
If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use
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| 08/25/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.
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| 01/06/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2023, I applied for a {$2000.00} installment loan with Ace Express and was denied the loan for this amount, but I was pre-approved for {$1300.00}. Upon the representative verifying my banking information, job payroll, and credit score of XXXX, she informed me that the system in fact changed and declined the {$1300.00} loan and that I would receive a Notice of Adverse Action detailing the decision of the denial. Shortly after, I did in fact receive the Notice of Adverse Action, and it stated that I was still pre-approved for a {$1300.00} loan. Upon calling ACE to get clarification, I was told that I should apply again in order for the pre-approval to become active again. I stated that the notice was mis-leading because I was provided with another pre-approval within the denial letter. I also asked if this would affect my credit score and the representative stated that they would have to re-pull my credit even though I was provided another pre-approval. Needless to say, I am completely confused and I was not provided any direction from ACE as to how this can be rectified. My credit score reduced several points due to this action and I am not pleased about this at all. ACE also never provided a clear explanation as to why I am denied and pre-approved at the same time. I was only told that it is system derived and they apologize for any confusion.
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| 11/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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Had a payday loan through ace cash express in XXXX where I have been customer last 4-5 years. Paid off loan of XXXX twice. Had an emergency moved out of state last month. Already did one pay off loan of XXXX XXXX nth to pay off loan.They only allow you to do this once year. They told me that I couldn't do a smaller payoff because I already used it for year 2020. I'm on social security XXXX and need to pay my loan back of XXXX. XXXX The office in XXXX, tn refused to work with me on these payments. The XXXX XXXX also did same thing. They are the Bank behind the Ace Cash Express. They want all of my loan back in one sum of XXXX or nothing at all. I offered to pay XXXX per month in a money order. If I use my Ace Card to pay they want all the loan back and refused to make arrangements with me.
Please help. I am willing to pay my debt of XXXX XXXX but they are not working with me for a solution. Thank you XXXX XXXX XXXX XXXX XXXX.
We also had Direct from each of us from Social Security XXXX. Direct Deposit of almost XXXX. Per month both from me XXXX XXXX and my son XXXX XXXX who owes the loan.
Ace Cash Express XXXX XXXX XXXX XXXX, Tn. XXXX Phone XXXX Me and my son live just across the street.
This is so crazy I have never had so much trouble in trying to return money We have borrowed from this Ace Cash Express.
Our phone XXXX Please help Thanks
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| 11/01/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I got a voicemail from a debt collector on Wednesday XX/XX/XXXX stating that they have been trying to reach out to me and at this point they are going to process court paperwork against me for misdemeanor criminal charges and told me to call back the attorneys office or they would send someone out to my work to serve me. I called them back immediately, worried and confused about what was going on and they pushed me to sign paperwork on the spot stating that I would pay {$150.00} on Friday XX/XX/XXXX, {$450.00} on Friday XXXX and another {$600.00} on Friday XX/XX/XXXX. They said that would be a {$1200.00} settlement to get me out of the charges against me. I discovered it was a scam the same day and the next day on Thursday XX/XX/XXXX I went to my bank and closed my account so they wouldnt garnish my wages. Since then, I have received 8 very threatening voicemails from them stating all sorts of things like I have a bench warrant out for my arrest, that I used a stolen card to purchase my new vehicle, they even called my mother and tried to get her to tell them where I work, then threatened to send them out to her house tomorrow and called me the embarrassment of the neighborhood. The last voicemail I received was today, XXXX at XXXX talking about them sending people to my mother home tomorrow and demanded I must be present with 2 forms of ID.
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| 09/13/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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A woman called left a message on my voicemail stating that I was being sued. She left a number to call back. I called the number back a male sounding like in his twenties answered he sounded XXXX. He stated that they were going to sue me and pick me up at my home or my job if I didnt give them a credit card to put on file today. I explained I didnt have a credit card, and I just got a job I didnt have any money with me he kept repeating how much dollars do you have I said XXXX dollars. He then was getting very snappy with me I told him thats not good customer service. Your supposed to talk with the customer and try to help them. I told him you are threatening me trying to scare me. He then talked over me said he wasnt threatening me. I then asked if there was a number i could call back when i did get the money to make arrangements he said there wasnt it had to be done today. I said i couldnt do it today. He then got snappy again I asked him the name of the company to see if it was some form of fraud because he didnt sound legit he kept asking for a credit card he said they were called XXXX in XXXX GA. XXXX is the number the lady left me. I then said he was being rude and snappy with me and I asked to speak to a supervisor, he said please hold very smug and put me on hold i waited five minutes then they got back on and hung up on me.
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| 10/23/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Threatened to take legal action
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Web |
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I received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you
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| 09/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
Older American, Servicemember |
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I wrote a check to someone to haul off some brush. I did not personally know this person, found him through an online service. I wrote the check on XX/XX/21 and it cleared my bank on XX/XX/21. That person deposited the check electronically in his credit union, XXXX XXXX XXXX. In XXXX, he took the paper check to Ace Cash Express and cashed it again. My credit union rejected the second attempt to cash the check. Ace Cash Express sent me a letter on XX/XX/21 and is now holding me responsible for the fraud committed by the person who cashed the check twice. They have flagged my checking account through their check cashing processor and said that I have committed fraud and have to pay the amount of the check plus fees to remove the flag from my account. I have proof that the check cleared my account on XX/XX/21. Ace Cash Express says ... .too bad ... pay it or youre screwed until you do!
The person I wrote the check to did not indicate on the back of the check that it was deposited electronically and yet his credit union accepted it and sent it on to my credit union, he then cashed the paper check at Ace Cash Express. If Ace Cash Express wants to recoup their money, they should be harassing the credit unions involved. I am the only innocent bystander in this scenario and Im the one with my life being screwed up!
Help!
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| 05/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Someone claiming to be with " XXXX XXXX '' called my work number asking for " the protocol when locating an employee. '' When I told the caller I was that person, he would only say he is asking about protocol when locating an employee and gave me the number XXXX to call, along with a " reference number. '' When I called the number, some fast-talking woman used every possible word in the English language to make it sound like she was filing a court case ( like investigators and warrant officers ) but would never commit to anything certain. Told me the amount due was over {$1400.00} if she " took this case to court '' but only {$450.00} if paid immediately via a " bond instrument ''. I offered to mail a cashier 's check but was told they only accept " bond instruments. '' Finally, after much more threatening-type nonsense/double-speak from her, she said she can not give out her address due to " her employee 's safety '' and a " bond instrument '' is actually a VISA or MasterCard in her definition. So, she'd rather have a credit card payment ( that can be disputed or recalled ) as opposed to a certified-funds cashier 's check? How can people like this get away with this type " collection activity? '' Such a waste of time. She even said I was " interrupting her '' even though I sat silently and listened to this spiel.
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| 05/10/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX my brother contacted me to tell them someone called them looking for me and threatened them that they would come to his house to verify that I did not, in fact, live there. They gave the phone number XXXX with a case number of XXXX. I contacted this number and they did not identify specifically what company they were with. They said they were collection on behalf of Ace Cash Express on a loan taken out sometime in XXXX or XXXX. Repeatedly they refused to provide me with any kind of detailed information. They said the original loan is {$570.00} and they would charge me court cost of {$1900.00} and charge me with fraud. I asked the lady to please provide me with the proof of debt as required by law. She kept claiming that they don't have to provide me with any kind of proof. I am not aware of this debt and have no recollection of it. She refused to provide any documentation and simply stated that I had that when I got the loan. She transferred me then to her " supervisor '' who told me the exact thing and refused to send me anything in writing showing what I owe or the dates or amount of anything. She ultimately hung up on me and said good luck in court. I also advised them to stop contacting my family members and they said it is out of their hands they had a " state agency '' that handles that.
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| 05/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
Older American, Servicemember |
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Approximately two weeks ago I mailed a personal check for {$700.00} to my daughter who lives in XXXX, Texas, for her birthday. I live in XXXX XXXX, Texas. Later, my daughter informed me that my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ), did not have any branches in XXXX and that she was forced to cash the check at an Ace Cash Express. A couple of days later, while checking my online banking portal, I found that the check had been paid twice out of my account. I notified my bank and they reversed one of the charges. However on XX/XX/2021, at approximately XXXX XXXX, I received a call from a representative of Ace Cash Express ( ( XXXX XXXX XXXX ) demanding that I pay them {$700.00} because they had paid the check twice. When I informed the representative that I had no control over how they have managed their affairs, the person insisted that I was responsible and demanded that I pay Ace Cash Express {$700.00} and began threatening me with repercussions relative to my credit standing. I spoke with an XXXX representative who suggested that I am not responsible or liable because I never used any Ace Cash Express services. Now, XXXX XXXX XXXX XXXX XXXX ), as a representative of the Ace Cash Express debt collection department, has mailed me a demand for payment of {$730.00} when I do not owe them any money.
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| 02/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Received a loan you didn't apply for
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Web |
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A title loan was taken out on my vehicle without my knowledge or consent. There are two names on the title - mine and another individual - and the loan application was processed and approved without my permission. ACE Cash Express wrongfully and illegally acquired possession of my automobile title and all attempts by myself to resolve the issue are met with deliberate indifference or feigned ignorance by all representatives of this corporation. They all agree that the title loan process should never have taken place without my knowledge or consent ; however, they all claim that they do not know the company policy concerning how to proceed when situations like this arise. All attempts to speak with supervisors at the corporate office have failed. I never receive a response or call-back. In sum ... ..Populus Financial Group ( formerly ACE Cash Express , LLC ) employees and representatives all agree and admit that they have wrongfully acquired possession of my car title, but none of them have offered or provided an answer or solution to returning my title, claiming that they can not provide me with any answers because " my name is not on the loan paperwork. '' This is a blatantly obvious fraudulent and deceptive trade practice violation and this company needs to return my title IMMEDIATELY.
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| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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Since the XXXX email dated on XX/XX/XXXX item # XXXX, I have received harassing emails titled DEMAND FOR PAYMENT in red letters.
That states : Dear XXXX XXXX, This demand is from the office of ACE Cash Express. On or about XX/XX/XXXX you cashed the check identified below at our place of business. However, upon the checks deposit and presentment, the XXXX XXXX refused to honor payment.
XXXX : UT XXXX XXXX XXXX Check No : XXXX Check Date : XXXX/XXXX/XXXX Payee : XXXX XXXX Check Amount : XXXX Reason Dishonored : SP Returned Check Fee : XXXX Total Amount Due : XXXX Since we have been unable to reach you, we request that you contact us immediately at XXXX to resolve this matter.
Sincerely, Ace Cash Express On the same day and within minutes, I returned an immediate email that stated.
I will take LEGAL ACTION against ACE Cash Express. You are contacting the WRONG PERSON! I have NEVER entered an ACE Cash Express facility in XXXX. I dont have to use your facility to cash a check ( my checks are direct deposited ) and ( I dont work and never worked for the Maker/Drawer listed in the email ).
Again, ACE Cash Express has contacted the wrong person and it is demanded that you Cease and Desist!
After my response, I have continued to receive harassing emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX
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| 06/04/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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On several occasions, I applied for payday loans to help myself out of temporary financial downfalls that I had experienced for several years.
I paid off each payday loan, but these payday loan companies applied high fees, service charges and interest charges that they did not make me aware of in the first place. I think it was so they could just make the sale of the loan to me without informing me of the stipulations of those loans. This seems to be common practice among these unethical companies.
In the end, with all of the payday loans I had applied for and paid off, I was scammed out of over {$800.00} in fees, service charges and interest charges that I should not have been responsible for because of their unethical business practices.
Also, I think it would only be fair for me to receive additional money damages due to the harassment I received from each payday loan company and the subsequent XXXX I had experienced since they harassed myself and my family, threatened to put me in jail, cease my property and investments and garnish my wages. This additional amount can be to your discretion, but I feel that I should be entitled to at least {$20000.00} from all of the fear, intimidation and XXXX I had experienced. XXXX XXXX run in my family and this has all taken its toll on me.
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| 10/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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Both my husband and i went to ace express, inc. # XXXX at XXXX XXXX XXXX XXXX, XXXX ohio XXXX, XXXX XXXX XXXX XXXX on tues XXXX XXXX to make an interset payment on our payday loan. we were informed that the interst payment had doubled. I paid my {$21.00} and was told that my interest payment went from {$21.00} to {$33.00}, my husband was told that his would be doubled from {$50.00} to and extra {$50.00} to make his interest payment {$100.00} a month. If we already have a payday loan and paying on it how can they raise the interest payment higher untell we pay it off. We can understand if we paid the loan off and reloaned. next month my loan will be paid off but there is no way im paying the extra {$33.00} with the {$100.00} i borrowed. It should be only {$120.00} not the {$130.00}. My husband will be paying an extra {$100.00} on his loan before he pays it off in full. With this comp when you get a payday loan you pay 4 interset payments before you pay the loan off that is how it has been for the past 2 or 3 yrs. If they are raising the interest payments they should wait till we pay our loan off and ask us if we are reloaning, if we are reloaning then they can inform us that the interset payment will double, if i had knowen it on the 3rd i would have paid mine off in full the {$120.00}.
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| 04/21/2016 |
Yes |
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Web |
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I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.
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| 06/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have received several calls and voicemails from Ace Cash. Today at XXXX XXXX I answered the phone from XXXX. The person simply asked for my name. I confirmed I was who she intended to call and she simply stated that I owed some debt without futher description of why of over {$1000.00} and asked how I would pay and to provide my credit card information over the phone. No further information was provided. I informed her that was not the case, that I thought this was a scam and hung up. I XXXX this Ace Cash and read that this is a frequent scam. I called the number back and was asked for a Case Number or to promptly provide my social security number. I informed the person who answered the phone that I am an attorney well versed in how debts should be collected ( I am in-house counsel for a bank ) and that I wanted more information to file a CFPB claim against Ace Cash and was promptly placed on hold and the line never picked up and a series of pre-recorded prompts read about call volume. Interesting, given there was zero time to pick up the call to speak with me initially. I have never taken out a loan with Ace Cash nor do I owe any debt to Ace Cash and this is clearly a scam. I appreciate your prompt attention to shutdown this scam. I get at least 2-3 calls per week from this entity.
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| 02/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
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I am writing again about Ace Cash Express debt collection tactics. I was contacted today, XX/XX/XXXX by a woman calling from XXXX saying that she was calling about a court case and that I needed to call XXXX case # XXXX or officers would be at either my home or job by the end of today. I didn't call the number because it seemed to be a scam. I then got a call from my mother and she said she got a call from someone saying that I was being sued and will be arrested if I didn't call the same phone number. My mother was very scared and upset. I called the number back only to find out that it was someone calling about a XXXX loan that I got from them in XXXX. She said the with interest and fees the amount owed was XXXX. She then said that because they are having to sue and file fraud charges against me that I will now owe over XXXX I told her that they couldn't do that, and that I would not be paying it. She then kept repeating the threats of court and arrest until she ended up hanging up on me as I told her that what she was doing was illegal. I have now gotten a call from my ex-husband who lives in Tennessee saying that he received a voicemail message on his cell phone saying that there was a court case against me and for him to tell me to call them. We have been divorced since XXXX!
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| 07/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
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| 02/17/2017 |
Yes |
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Web |
Servicemember |
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I was contacted this morning by someone named XXXX XXXX at a company he called XXXX XXXX XXXX. I was told to call another number, XXXX. A women from that number told me that they had a case in my name which originated with Ace Cash Express but said although Ace had already written off the debt, there is a third party lender that is pressing charges and that the States Attorney Office had already signed off on the case. I contacted the States Attorney and was informed that they had no such information or case under my name and info and she also said that this type of situation has happened before and that this is a scam. She also informed me that they could n't put me in jail for a debt but that they could sue me. Since this debt is over 6 years old and I have moved at least XXXX4 times since then, also phone numbers have changed, I 'm confused as to how they obtained my current information. This scares me, not because of an old unpaid debt, but rather how my info can be so easily obtained. I also do not appreciate being told that if I do n't respond within an hour, they will come and arrest me even asking if I have any large animals. All phone numbers involved this morning were, XXXX, XXXX, XXXX. I 've done a reverse lookup on all phone numbers with no results for any of them.
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| 09/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2020 I received a phone call from a woman named XXXX XXXX at XXXX XXXX regarding a " watch over case '' that is being prosecuted through the county I live in. In the voicemail from XXXX XXXX, she states that my rights will be legally fortified if I do not respond. XXXX XXXX also threatens to contact my place of employer to get hold of my supervisor to find my location. XXXX XXXX also contacts a relative of mine with the same information saying that I am being legally prosecuted by the county I live in.
I call the number back and it's an alleged debt collector called " XXXX XXXX XXXX ''. They tell me I owe a debt of {$130.00}, and the " responding officer '' is on my case but will not tell me more information. They put me on hold to " unlock '' my case so I can be told more information, while they put me on hold I hang up the phone and I call the county courthouse to see if there are any open cases against me. The county district courthouse has no pending or open cases against me, and I call Ace Cash Express from whom " XXXX XXXX XXXX '' says that is where my debt is and I have no outstanding debt with Ace Cash Express. I have not been made in contact with ACE cash express, no collection letters, or nothing being reported on my credit history.
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| 08/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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|
Web |
|
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On XX/XX/2018 at approximately XXXX XXXX, I received a phone call from a person whose name was XXXX XXXX from XXXX at the XXXX XXXX XXXX in regards to a legal matter that came across his desk with my social security number. He then said the last four digits of my social and said that I had fraudulent charges pending. That If I did not return his call and give a statement it would result in an immediate summon at my residence or work place and possible cash man of wages. They said for me or my representing Attorney to call them back at XXXX ext. XXXX. I called back the following day at XXXX and a man answered phone and began harassing me and trying to force me to give a statement. They said they were going to record me and use it in the state of law court. I asked them to send me a validation number and that I would not release any information before this is done. They kept trying to harass me and tell me that they were serious about the charges. I ended the call and called Ace Cash Express directly. I was informed that they had sent my collections to a different Agency for holding and that they were not the ones calling. I'd like to report this scamming agency that have the phone number XXXX, threatening to appear at my job and call my employers.
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| 09/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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I had a payday loan in XX/XX/2017. I was going through a divorce and many things happened. I exended the repayment daye but it got larger and larger and I could not pay it back. I was waiting for a collections to come through on the account but It never did. I was waiting to see if I could set up arrangements to pay after it wet to collections so I didnt have to pay upfront. I had not heard anything and to be honest forgot about it especially with everything going on, I have been contact by XXXX XXXX, XXXX XXXX phone # XXXX with threats of lawsuit and constable intervention. He wanted me to pay {$250.00} today and make three payments of {$410.00} to settle the account but has provided no documentation or conrete information regarding the settlement of the account and I do not feel comfortable paying him without this information. I want to settle account and also protect myself. The non-payment was unintentional and a mistake. I am willing to set up a payment plan but one that does not heavily affect my livilihood as a single parent. Please advise. I have no documents from ACE Cash Express or from XXXX XXXX XXXX that state the debt or ways to respolve. I have only received calls with threats and unrealistic accomodations to resolve the account.
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| 01/12/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
Servicemember |
|
Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.
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| 09/15/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I got a loan because work was slow and loan was for rent.
This was over 4 years ago I lost my job and became homeless could not get a job just 8 months ago I got on XXXX living with mom finally get on my feet still no job but getting progressI get a call from some office and it 's for ace cashLady talking to me like I 'm idiot until I got mad she said they taken me to court blah blahOk is this possible if so I want to fight these guys and old tactic they using that is illegal in CaliforniaSaying took the loan with intentios of not paying it backSo I said listen lady are a you mind read or whatHow can you try to tell me you know why I got the moneyThat 's what you said not meShe like I 'm not the bad guyI said yes you are I 'm not the idiotMy loan was for XXXX $ now they want XXXX $ Take me to court I said I do n't have it when I do I 'll pay what I borrowedBut she said I 'll give you 2 days to pay or they will send to courtGo head loan will be 7 years soonThese dept collectors need to be sued along with ace cashThey give money and charge you 3 times amount like a loan shark last I check that 's illegal wait tho if they take me court I 'll need to pay count fees tooGive me jail time I will not be apart of this ACE CASH scramWhat should I do
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| 12/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
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Web |
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A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX
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| 07/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
On XX/XX/28 I received an email from XXXX XXXX ( XXXX indicating I had a debt and they were going to proceed with legal action against me.
I replied and said to stop any and all emails/phone calls and to please provide me with proof of debt by mail to my home address, which I provided.
On XXXX, I received another email - copied below : Dear XXXX, The Fraudulent customers like you don't deserve any type of sympathy from the company side.
Sent you lots of e-mails but you did not respond to any of our e-mails.
You can't even imagine what legal consequences you will be facing you might lose your all money at once and your credit report will be thrashed your bank account will be frozen and your current Employer should also get notified, You might lose your job also.
Now it's up to you to settle your case file outside the courthouse, else by tomorrow the case will be downloaded and you will be sent court summons to your postal address.
We apologize for using these harsh languages but you have forced us to use these languages.
If you cooperate with us we can resolve it out of the courthouse.
Kindly get back to us ASAP.
Best Regards.
I again replied and told them to STOP ANY and ALL correspondence by email/phone.
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| 08/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX, XXXX XXXX XXXX XXXX contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer
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| 06/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
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|
Web |
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XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.
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| 07/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
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|
Web |
Servicemember |
|
On, Monday, XX/XX/2021 at XXXX EST, I physically went into ACE Cash Express Check Cashing to apply for a Short Term Payday Loan. I qualified for a {$1000.00} Loan but I chose only to borrow a {$100.00} Loan. When the Cashier XXXX or XXXX processed my loan ; she used her mobile cell phone to take pictures of my personal financial records. I was shocked by this because she didn't use her company 's official copy machine. And it's illegal for an employee to take mobile pictures of a customers/borrowers personal financial information with their personal mobile cell phone. After I left the establishment ; immediately after on Mon., XX/XX/2021 at XXXX EST, I called XXXX who is the manger of ACE Express Check Cashing to inform of what happened. He said he was going to follow up but he never did. I'm very concerned about my personal financial documents and information being photographed by ACE Cash Express Cashier and how this employee can use my information. ACE Cash Express may be doing this to other Customers as well ; being that they allow their employees to take customers personal financial information with out consent by using their personal mobile cell phones. Especially in lieu to fraud and identity theft.
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| 06/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Dear Debtor, Your case file # : XXXX is handling by LEGAL DEPARTMENT OF ACE INCORPORATION and we are working with FTC XXXX FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file # : XXXX BEFORE WE DOWNLOAD YOUR CASE FILE INTO THE COURT HOUSE.
This is in reference to your Case File # : XXXX XXXX with ACE INCORPORATION 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 Center ) 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 {$980.00} It may be possible that you may have some financial hardship with you.
So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by today then we will close this account as paid off in full with XXXX balance. Kindly reply back for the settlement amount.
Or, else we won'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 the next 48 hours or else the case will be downloaded against you.
|
| 09/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXX I received a call from an unknown number which left me a voicemail to call XXXX if not they were going to submit to the court for a lawsuit and arrest me. I took this loan out in XX/XX/XXXX I believe but they said am being charged with fraud and other things I couldnt get the name of the company but they said their on behalf of XXXX XXXX. They were going to call my employer to look for me. I have not received any other calls from XXXX ever! The loan was for XXXX and now I have to pay XXXX. I spoke to them and they gave me a wrong birthday year and had an old address. I had to make payment arrangements because I can not afford to go to jail. I have 4 kids to care for and am the bread winner. I panicked when I head the voicemail and called them. They said to give them my social and a debit card for them to put on file. I dont know if its fraud be they proposed for me to pay XX/XX/XXXX the amount of XXXX and then on XX/XX/XXXX or so give XXXX. I really dont know what to do. After we had the agreement I started to think its a fraud. My uncle told me to file a complaint with cfpb. Am scared that I cancelled my card because a lot of things seemed wrong this loan isnt even on my credit report.
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX.
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago.
I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call
|
| 03/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
I received a call from a company claiming to be called XXXX XXXX from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a payday loan company Ace Cash Express. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
|
| 08/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}.
I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX.
How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}.
I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office.
I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.
|
| 08/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX. XXXX XXXX XXXX, XXXX XXXX , wrote me a {$200.00} check ( # XXXX ) for food and utilities.
XXXX. The Check ( # XXXX ) was written against a XXXX XXXX XXXX account.
XXXX. XX/XX/2023, I cashed the Check at ACE Check Cashing XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX.
XXXX. XXXX, Ace cashed the check for a fee of {$21.00}.
XXXX. XXXX, Ace Check Cashing notified me that Check # XXXX was returned for NSF ( non-sufficient funds ).
XXXX. XXXX, I told ACE to redeposit the check for payment and they refused. The asked me to repay the {$200.00} at one of their store locations. I refused because I knew that they would redeposit the check. I did not want to overpay them.
XXXX. XXXX, I was notified by my brother, XXXX XXXX, that Check # XXXX was redeposited by Ace Check Cashing. It cleared his checking account on XXXX.
XXXX. XXXX, I was contacted by XXXX XXXX at XXXX XXXX XXXX, XXXX. She informed me that they purchased my debt from Ace Check Cashing.
XXXX. XXXX, I informed XXXX XXXX that the debt was PAID IN FULL, as Ace Check Cashing redeposited check # XXXX which cleared on XXXX.
XXXX. My XXXX, XXXX XXXX, provided XXXX XXXX with proof that the check # XXXX cleared his account on XXXX.
|
| 05/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was on the phone with an Ace Loan Person as they were walking me through the signing process on XX/XX/2020. The contract says XX/XX/2020 which is wrong. I am going through my Documents sent back to me on XX/XX/2020 and they arent matching what I was told or signed off on originally. It doesnt say the APR exactly on the Credit Disclosure Statement it just Annual Percentage Rate Example : 568.39 % the CSO fee XXXX and the interest of {$18.00} for example. I went to compare my documents and it has for example : 469.10 % cso fee {$1300.00} interest of {$20.00} you get to the MP on the documents and it says XXXX is the actual percentage rate and the their numbers for example arent adding up and are very misleading if they are just for example. In the first forms they arent giving you the real on their loans. Its for example and you are being mislead by what you really will be paying. I even asked the guy who I talked to on the phone my monthly payments and asked questions and he was misleading. He never mentioned the APR exactly. He never explained the ridiculous fees. They need to be upfront exactly about what youll be paying and better people over their phone line with explanation.
|
| 12/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My childrens father lost their job over the summer and I told the agent this information when going to do the loan. I told him that I just need enough to pay my electric bill and feed my kids. They insisted I take the whole loan of XXXX even I expressed concerns of being able to pay it in a timely fashion. So when it first went to collections I was suppose to set up a payment plan of XXXX every two weeks to get it paid. I never received a conformation email so they never took their money and when I contact the actual establishment they sent me on a run around. So I waited for the phone call that it was in collections. XXXX XXXX called. His number ( XXXX ) XXXX Ext XXXX. He was very abrasive and rude. I was trying to understand why it was XXXX and why they would need to garnish my check if Im willing to pay. He told me I was irresponsible and this was also a bill that needed to be paid and I was telling him that the only reason it wasnt was due to my boyfriend loosing his job. He interrupted that conversation and basically forced me into a payment plan that is unreasonable for a mom to pay on top of bills. I want to settle the debt but they are no giving me a fair chance to do so.
|
| 06/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was in a bad place just starting job and needed money but due to bad credit I was able to get a XXXX dollar loan from Ace Cash. I was able to pay in full the first time but it left me short of rent, which meant I took out second loan at same amount to pay rent. I was unable to pay due to unexpected medical expenses and being a single father paying child support on one child and supporting the other as well as paying bills by myself it has left me in a tough position to pay back. Ace Cash started calling and I tried to find a way to pay them back incrementally without leaving me and my children homeless just to pay them back on a XXXX dollar loan. They started calling me on my work phone threatening to contact my supervisor and apprise him of situation, which has nothing to do with my supervisor. I tried explaining what amounts I can work with and they refused to make an acceptable amount and they were making me commit to a XXXX dollars every 2 weeks for the next 18 months. So now from XXXX they have gone to XXXX, I have tried a few times to have them if I don't have it to give at this time what am I supposed to do. I can do incremental payments of XXXX but not every check.
|
| 01/28/2016 |
No |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents.
When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015.
When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express.
However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
|
| 09/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.
|
| 05/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for Ace Cash Express for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.
|
| 05/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.
|
| 07/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I obtained a payday loan in XXXX. I honestly forgot about the loan. I explained to them after no longer having income that I could not pay the loan. I closed the account it was coming from not to do anything fraudulent. I closed it because they kept trying to draw out an account that had no funding. It was so long ago, I honestly forgot about the loan. I received a call today at my job in XXXX saying that they are going to send papers to sue me tomorrow to my address if I do not pay over {$460.00} or so. I can not pay that out of the blue. The amount I borrowed was {$110.00}. The loan account # is XXXX and is in collections. There is a man calling me from XXXX XXXX XXXX by the name of XXXX XXXX. He has the last four of my social security number. He told me they will see me in court and the paper work will be delivered tomorrow. I explained to him I could not make that type of payment out of the blue. I reviewed my emails from years ago, and I took this loan out in XXXX. I can pay the XXXX over two payments. I did borrow that. I went through a whole lot after borrowing it also. I did not plan to not pay them back. Any assistance that can be provided will help.
|
| 11/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.
|
| 06/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers
|
| 03/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
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Web |
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A year ago I took out a loan with ACE cash express, after 72 hours I attempted to return the money totaling XXXX within 72 hours as stated by the worker on XXXX XXXX, in XXXX, TX. When I went in I was advised that I had the loan for 79 hours and could not return the funds without adding another XXXX for interest. I than called the customer service and told to make some kind of payment until I received a call from a supervisor. Of course that never happened. I made a XXXX payment. Fast forward to XX/XX/2019, I started receiving threatening voicemails. I'm going to assume because I wasnt not answering XXXX from a legal department contact number XXXX XXXX XXXX started calling my sister, my XXXX year old son and my friend, threatening them. On XX/XX/2019 I was finally able to answer the phone when a call came through and was informed that now I owed XXXX for interest and court cost, XX/XX/2019 XXXX called me and advised that I would be served at my home and that they would be calling my employer to advise them of the case filed against me. I have tried to settle a number of times but I refused to give them my bank account and/ or my debit card.
|
| 12/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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On XX/XX/2019 I received an aggressive and overbearing phone call from a proceedings company representing my county. They gave me another phone number to call and case number. When I called the number the woman said I needed to verify personal information or she wouldnt be able to tell me why I was being sued. So I verified the information then she proceeds to tell me that I was being sued by ACE Cash Express for writing hot checks because I defaulted in a loan. That was far from the truth of course, she then threatened that I will have to pay court and legal fees totaling over {$2000.00} for a loan that was {$500.00}. She then asks how would I like to make my payment today to stop the court proceedings. I had to tell her that I had no money to pay her. She then says that my case will be discharged from their office within 2 hours-2 days and once that happens, there isnt anything else I could do about it. I was not writing hot checks! That is a lie and they know it! The aggressive and boastful manner these people talked to me in, was almost like a scare tactic. Then not only that, why what until the holidays to try to collect on something?
|
| 07/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.
|
| 05/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I applied for a payday loan around XX/XX/XXXX and received the funds. On XX/XX/XXXX the loan was paid off in full with cash at a physical store location. On XX/XX/XXXX which was the due date, the company then pulled out the amount from my bank account that I had already paid. So I have paid back the same loan twice.
I've been attempting to get a refund with no success. I've communicated with the store location the debt was paid at, and with the corporation 's customer service line, and both claim that the refund has to be approved through the corporate department. I asked for the phone number for that department and was told they have no phones and that I can only email. So I emailed them Friday ( XX/XX/XXXX ) and they claimed it should be solved Monday ( XX/XX/XXXX ). When Monday arrived they claimed it had just been submitted and would take 48 hours to process. Now its been the 48 hours and they still tell me they are waiting for the refund to get approved.
This whole situation has negatively impacted my family and I in immense ways. I feel that the lack of communication and attention on this matter is unprofessional and unfair.
|
| 01/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I keep receiving an email from XXXXXXXXXXXX subject line : lawsuit regarding a one time payoff amount for {$390.00} to ACE-Ace Cash Express total amount being {$750.00}. I do not know where this comes from and it does not show up on my credit report.
" This is in reference to your CASE FILE NUMBER *** with XXXX in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. SO the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you.
Your account with XXXX is in Final Collections. According to our records, your outstanding balance has been increased to {$850.00} .... 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 law suit which will be amounting to {$4500.00} and 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 {$750.00} ''
|
| 10/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
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|
Web |
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I was notified today that someone from the XXXX Law Firm in XXXX XXXX, FL has been contacting people that are n't related me or listed as references on my loan application claiming that I am being investigated for Bank Fraud and that they are trying to reach my husband regarding an investigation about me. I was completely shocked and called the number provided to my husband XXXX X XXXX. The woman said that she has me on camera taking out a payday loan and since I violated the terms of paying it back I am now subject to bank fraud charges! How can a payday loan company threaten criminal prosecution? I would also like to know what gives them the right to tell people that I am being investigated for fraud? The one person they called is my ex-stepmother-in-law 's sister that I have n't spoken to in 6-7 years and the other person they contacted was my stepchildren 's maternal grandmother ( yes my husband 's ex-wife 's mother! ) I am in complete shock that they would call people that A. ) barely know me B. ) have never in my life been used as references C. ) tell these people I 'm wanted for bank fraud!!!! How is this legal????
|
| 01/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
|
On XX/XX/XXXX I received a phone call from XXXX XXXX dispatch. I was asked if someone had attempted to serve me papers twice in the past week. I said no, because nobody has.
The dispatcher, who was very kind, gave me a phone number XXXX. He told me to call the number and let them know that I have not been notified and to request a XXXX hour hold.
When I called the number, the gentleman that I spoke to started off very nice but quickly became judgmental and rude. He asked if I could pay him money today and I said that I would not be able to pay anything until next Friday. He said " If you don't pay something today, your license will be suspended '' He asked why I couldn't pay anything today and I stated " because I have XXXX children and household bills that I just paid '' He laughed and said " so you can't afford to pay the loan but you can afford to get your license taken away '' I don't appreciate being talked to like I'm a piece of trash. Things happen and people are left with little to no choice at times.
The outstanding loan is with Ace Cash Express and I can begin to pay my balance next Friday, XX/XX/XXXX.
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| 08/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
|
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I toke out a loan in XX/XX/2016 with Ace Cash Express in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX & XXXX XXXX ), my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ XXXX ext XXXX and then {$1700.00} amount from XXXX with XXXX. I looked on Ace Cash express website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXXXX/XX/XXXX has been rude, threatening, and has harassed my family regarding a personal matter.
|
| 01/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received a call from XXXX, A XXXX XXXX claims to be from XXXX XXXX XXXX and that I owe money for Ace Check and Loans. I contacted Ace loans directly and spoke with their collections department twice and gave them my social security number, they told me that my information is not in their system and never has been. XXXX told me this account was opened in XXXX and its now with an attorney and my case isn't with them anymore, she never gave me any contact information for them and Ive never received any communication regarding ACE, the last time I applied for Ace loans, many years ago, they denied me, which at that time my credit score was very low so I would not have been approved for any loans. Only cash advance place Ive ever been involved with is XXXX XXXX XXXX and that was around XXXX. Ive checked my credit report as well and there is no Ace located in any of my past accounts. Every time I call the company back to get more information they hang up the phone or give me a nasty attitude, they refuse to answer my questions. I need to know whats going on and why are people claiming to be from this company calling me.
|
| 10/04/2016 |
Yes |
|
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Web |
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I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.
|
| 11/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for online installment loan with Ace Cash Express. They said they had to verify account. They deposited {$790.00} I was told to return {$790.00}. Then to better my credit score they deposited {$970.00} & {$990.00}. Again I was told to return it. I did. Then I learned that all the deposits they did were bogus per XXXX XXXX and didn't go thru. Not only am I out what I sent back, also out the deposited money.
I spoke to XXXX XXXX and XXXX XXXX. I have all contact numbers, copies of transactions and bank has copies of bogus deposits.
I also made a police report # XXXX This are 2 of of some of the texts I was sent : " Ace cash express Hello, Loan ID : XXXX Loan amount : - $ XXXX Monthly payment : - {$220.00} Loan term : - 24 month if you are looking for this loan call us as soon as possible. Before your loan application expire.
call at : XXXX Regards XXXX XXXX '' `` XXXX Regards.XXXX?
Hi this is XXXX XXXX. On your words we deposit the credit amount in your account and this amount will availible in yoir account at XXXX.
Regards XXXX '' Unable to get download of the deposits, but bank has them
|
| 06/01/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:
|
| 10/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Court Case XXXX Last Date to file Lawsuit-XXXX.
We are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.
Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}.
Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries.
Thank you, ACE CASH EXPRESS.
Which is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.
|
| 07/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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The debt collector is harassing my family. He called me on XX/XX/XXXX and I told him if we can come to an agreement and pay in monthly incriminates and I was told no and they would be sending it to county the following business day I said ok. I mean I cant pay something I dont have. Then he continues on calling me from different numbers and also left my father a pretty threatening message and even told him he would go to court also and my father doesnt speak the best English. He also decided to reveal that he had my fathers social security number and that he would be implicated and sued with myself. Which makes no sense since my father told him to stop calling him and it was my own matter. He then started to say my father raised a bad child and that I was stealing which I was not. This man gave my father a panic attack see that my father has multiple medical issues and I will also attempt to get a lawyer. At this point this man has been so aggressive Im starting to think he is fraud. I also have saved voicemails of the harassment and abusive aggressive language. An screen shots of the multiple calls
|
| 06/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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While checking my credit report I noticed a collection account from a XXXX XXXX XXXX stating that I owe {$500.00} from an Ace Cash Advance. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency XXXX XXXX XXXX has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent ACE cash advance with no response.
|
| 12/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.
|
| 08/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2015 I applied for an installment loan with Ace Cash Express for the amount of {$4200.00}. Ace Cash Express deposited the funds into my primary checking account on XXXX XXXX, 2015.
According to the agreement, I am to make XXXX payments in the amount of {$270.00} with an initial payment of {$330.00}. The initial payment was deducted from my account on XXXX XXXX, 2015. As of XXXX XXXX, I had repaid {$1100.00}. I contacted Ace Cash Express on XXXX XXXX to get a pay-off quote and I was informed that the pay-off through XXXX XXXX, 2015 is {$4100.00}. I 've complied with the loan agreement and made payments as scheduled, but only {$16.00} has gone toward the premium balance.
I have ceased making payments until I can get a resolution on the interest. This is a predatory loan and I do n't think it is legal. I 'm seeking assistance for a resolution. I am not opposed to paying the loan as I have taken loans with Ace Cash Express in the past, but I was always in a position to pay the loan in full within a couple of weeks, so I did not realize that this Company specializes in predatory loans.
|
| 05/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I refinanced my installment loan with ACE/populus on XX/XX/XXXX total due $ XXXXwith nobpayment due until XX/XX/XXXX.
On the week of XXXX, I went back to the store location and asked the clerk if I were to make a early installment payment would my loan increase to {$700.00} or the max that I could borrow.
The clerk XXXX plainly explained that my payments were due on the XXXX and I would not be late pay until after XX/XX/XXXX since the XXXX would be 9 days past my first payment due date that I can be 10 days late on.
This complaint is about XXXX, Ace opolus employee, she called and left me the most basic collections message on XXXX. My loan was not due until XX/XX/XXXX. She had no reason to call me ahead of time, I was told by her in person that I can't refinance on XXXX when I arrived at the store to pay early but was told I had until the XXXX of XXXX which would be the 10 the day.
My complaint is illegal collection practices and/or phone games if she is allowing others to refinance using my name since I am a victim of identity theft. Unsure why she called me, my loan payment was up to date.
|
| 12/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX my identity was stolen. Pulled credit reports on XX/XX/XXXX and saw Ace Cash Express had done inquiry and after reviewing my XXXX XXXX report saw actual payday loan was opened for {$330.00}. My credit reports had incorrect information including telephone numbers and employer. Filed reports with FTC and law enforcement. Contacted ACE and they would not discuss with me because I said it was a fraudulent account. On XXXX provided them with report from law enforcement, FTC report, proof of employer, and documentation that checking account funds were deposited in was fraudulent and closed by XXXX XXXX. Information was sent via internet several times ( as instructed to XXXX and USPS certified mail. Also provided email address and telephone numbers that were used to open XXXX XXXX accounts, which are also not mine.
Made several attempts to find out if information received or other information needed. When I call I'm told to send email, send email told to call. At no did I or do I have a business relationship with Ace Cash Express. Further details can be provided upon request.
|
| 09/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX in the mail stating that it is the second notice of a " severe delinquency '' over a payday loan with Ace Cash Express.
1. I have never heard of ace cash express 2. I never received a first notice 3. The amount of the " pay day loan '' they claim I took is more than pay day loans can legally give you in my state.
This company claims I took this loan out while I was working for an employer I haven't worked for in almost 20 years. They also state that it was " malicious intent to commit fraud '' on my part by closing my bank account right after taking this payday loan. I have only ever closed one bank account in my life. I was not working for and had not been working for the XXXX XXXX for several years at the time that account was closed.
They are threatening me with wage garnishment, personal property or bank account lein, negative credit reporting, back interest, legal fees, court costs, and full principle of the loan. If I do not mail in the full amount a subpoena to XXXX County Municipal Court will be issued for me and 2 witnesses to go to trial.
|
| 07/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
For weeks this supposedly debt collector has called me an enormous amount of times & have left multiple threats to sue & garnish my wages. They call from many different number some unknown and disconnect there numbers as they go. They claim they are representing ACE CASH EXPRESS but have yet to mail me legal documentation instead they keep emailing me supposedly proof of debt. I just received another voicemail that I have transcribed below from their dispatch office. Its a bit fragmented but you can clearly see the threats ( please see attachments ). I also have all their numbers and information they have given me to contact them and pay.
Calling themselves Office of XXXX XXXX Called me this morning from dispatch office XXXX Told me to contact ACE directly to get proof which was not their number which is XXXX Then told me to call the legal office to sort this matter XXXX I also attached the supposed debt that I owe. The loan was for XXXX originally from ACE EXPRESS but they told me there are processing fees that o have to pay. Please do all you can they are threatening to come to my job.
|
| 10/12/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.
|
| 05/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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InXX/XX/XXXX I got a loan for {$800.00} from Ace Cash Express and fell on hard times and was unable to pay it back immediately. XX/XX/XXXX i received a call from who identified themselves as part of the XXXX County Court Clerk stating I was being sued for an unpaid debt and that I had been served twice at an address i no longer live at. I explained that i do not live there and have not been notified. He gave me a phone number to an attorney 's office where he said I would need to speak to my attorney to resolve the issue. I called the number and asked for some information and stated I would like to verify the legitimacy since I have been scammed before and she stated that she isnt playing these games and that i need to pay 60 % today and my debt can be wiped clean and i wont have to go to court or else it will be on all background checks that are done and then hung up on me. I called the county clerk office back and spoke to a woman who looked my information up and stated that the county clerk office does not call anyone and that I did not have any open cases or judgements against me.
|
| 10/27/2015 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
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Web |
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I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.
|
| 02/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me.
A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express.
On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action.
The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.
|
| 07/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
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One dates XX/XX/XXXX and XX/XX/XXXX I and my mother have received threatening phone calls from ACE CASH express. They are stating that they are going to press charges against me for fraud for none payment.
They have harassed my mom as well. They are speaking to her as if they intent on holding me hostage : that they know where I live, they know my address, and that they know where I work. If this was all true ACE would know that I am unemployed. And living off food stamps.
However on their calls to me they are asking for my address to send documents to. That I have been warned. So if they don't have my address why are they contacting my mother, telling her they know everything about me? Ace Cash express has my information on file. I have not received one piece of mail from ACE and I have not moved. There is no need for the aggression in phone calls. If they have documentation they are more then welcome to send it.
During these phone calls its only aggression and threats - there's no point to a resolution - only continuous abrasive language and argumentative communication.
|
| 07/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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I took out a loan, when into make a payment, and was told that I could increase the amount day with just paying the fees, rather the full payment, In which I did, as I was working a full time and part time job, the part time job was used for approval as well, as I made approximately {$400.00} a week, after getting the increase, the company in which I had the part time position, which paid weekly, merged their company with another company which changed the pay structure, and because the new company was a competitor, and already had their own contractors in place, it changed my income from {$370.00} - {$400.00}. a week, to maybe {$170.00}, if I was able to get on the schedule. I was trying to make payments after being threaten before. My children have voicemails that they have received with information about filing charges, I have voicemail from ACE Cash Express as well, saying they are going to contact my employer, etc. XXXX of my children received calls today, XXXX of my daughters says the number has been calling her phone for two weeks now and she live in an different State.
|
| 03/09/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XX/XX/2018, I received at XXXX XXXX cst I received a phone call from XXXX XXXX at XXXX. I was at work so when answering the call it took me some time to get up from my desk before I spoke. The initial things stated among answering the phone was Hi, My name is XXXX XXXX with XXXX XXXX trying to contact XXXX XXXX. Initially when hearing that I went into alarm. I kept asking who is this with what company and he stated that he would need to verify some information first. I stated no I would need to know with whom am I speaking. XXXX then stated he was with XXXX XXXX XXXX for Ace Cash Express. I then stated hey XXXX you know you can not represent your self when contacting someone and discontinued call. I refuse to disclose information to any one falsely identifying themselves to me. Later that same hour I attempted to call back in hopes that I can at least obtain a company name. Nope! Not to my surprise it went directly to a busy signal the first time. Second attempt went to a voicemail where XXXX just stated XXXX XXXX. And then a third time he answered I disconnected.
|
| 03/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
UnFair Debt Collection Practices : XX/XX/2020 @ XXXX PST in received an email stating : " XXXX XXXX XXXX ( 16 minutes ago ) to Legal, bcc : me Hi, We would like to inform you that we have given you a reasonable opportunity to resolve this account but you have failed to resolve it.
We know that our action will damage your credit rating and your ability to do business with other companies. To avoid this, we really urge you to email us to find the best collection process or make immediate payment.
Thank You XXXX XXXX XXXX XXXX XXXX XXXX ( 5 minutes ago ) to XXXX who in the XXXX are you i want your sheriffs dept. creditials making this a ginuine police officer talking to me otherwise your email, XXXX, is illegal debt collection practices and you will be reported to the FTC under the right department handling affair FCRA and/or CFPB for your attempts under false credentials. '' The E-mail address alone suggesting law enforcement involvement is against the FAIR DEBT COLLECTION PRACTICES ACT and needs to be addressed immediately due to this fact.
|
| 03/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I have received two notices within the past 2 months from XXXX XXXX in XXXX XXXX in the amount of {$270.00}, taken out in my maiden name XXXX ( the first name spelled in the loan paperwork XXXX and my maiden name XXXX. I never took out a loan from this lender and they noted that this loan was initiated on XX/XX/XXXX. Today XX/XX/XXXX I received an email letter from yet another XXXX XXXX lender ( Ace Cash Express ) stating that I owe {$570.00} for a loan that is now in collections under the name of XXXX XXXX again I never took out a loan from this company or in this amount. When I called to discuss with them they told me that they were going to send over a " Forgery Affidavit '' that would need to be signed by me and notarized along with my case number from the police. I asked when the loan was originated and they told me that it was XX/XX/XXXX. I contacted the XXXX XXXX Kansas Police Department to file my case and they told me to use the following number # XXXX for both disputes and to file this scam report with the FTC.Gov as well as the IC3.Gov websites.
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I filed for a cash advance of {$250.00} from Ace Cash Advance. I dont remember the initial date, but I was employed but due to covid I was placed on a Leave of Absense due to not being able to work remotely. I have been telling ace cash express. The calls will stop then abruptly will start up again as early as XXXX to probably normal closing hours.
At first I would stay in communication but then I started feeling like I was being interrogated like if they thought I was lying so I quit answering. Well, today XX/XX/21 to communicate I was still unemployed. Im getting foodstamps, I applied for rental assistance, I have no source of income. I went to let the lady know. I applied for a medical emergency. I literally almost lost my brother due to an XXXX. I didnt have time to save the money. I had to do it right then am there. Then she got hostile. And wanted to know how I got the loan if I wasnt working and then her tone just got agressive so I hung up. This is why I dont answer because she. It leads to the aggressive attitude and questions of interrogation
|
| 05/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I recently received an email from a company named ace cash express in new york stating legal action was going to take place on the amount of XXXX that I owed. I was scammed by this company a while back and now they say they are gon na file a lawsuit and I'm gon na go to jail and face a very heavy fine if I don't pay. I contacted the company and they told me that no contact has been made by them or anyone that is involved with this company. The email came from XXXX XXXX XXXX and they used a XXXX account. I have screenshots and texts from someone who said they worked for them and I was approved for a loan. I didn't know it was a scam until it was too late. They have information on me and now I'm scared. They got into my bank account which I froze to reject a check they tried to deposit and the bank sent it back to wherever it came from and I closed all of my accounts with the bank and went somewhere else. I know this is a complete scam and I will include the email address I got the threat from so everyone knows its a scam.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Well, this have been an issue for years XX/XX/XXXX. I was sent an Threatened email saying there is an lawsuit case # XXXX. Total amount owed is : {$860.00} and the settlement amount is : {$290.00} that was filed against me by Ace Cash XXXX /XXXX XXXX XXXX XXXX XXXX . This debt was originally a debt due to ID Theft because they had another name attached to this loan even though some of my personal info included SSN was included ; yet since then, I did file for Ch XXXX bankruptcy on XXXX of XXXX and it was charged XX/XX/XXXX. Which I do have a copyof the Ch XXXX Bankruptcy being discharged from a Federal Bankruptcy court in XXXX, Texas by U.S. Federal BankruptcyJudge, Judge XXXX XXXX XXXX. Bankruptcy case # XXXX. Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have even put in a previous Financial Consumer protection complaint against this same company. I do not have the reference number yet it should be on record and thus is my third complaint against this company.
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a call today from phone number XXXX stating that I am in trouble and that I will be arrested soon at my job or at my home and that I needed to call a phone number and give a case number to find out the details of why I was going to be arrested. The telephone number that they gave me was XXXX with the case number of XXXX. Soon after this I received a phone call from my mother stating that they called her and stated that I was going to be arrested soon or sued in court and that I needed to call the same number back. I called and found out that it was Ace Cash Express calling because of a loan I took in 2018. The woman on the phone stated that although my original total debt was XXXX, I now owe more than {$1400.00}. She said that they were coming to my job to arrest me today and that I am being sued for the amount of {$1400.00}. After I told her that what they were doing was against the law she told me that she could do it because of my original loan agreement and that if I didn't pay it then I will be in jail soon and then she hung up on me.
|
| 09/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.
|
| 09/13/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
A few years ago I got a loan from Ace Cash Express and I paid it off. All of a sudden they started taking money out of my account, when I questioned them, they said I took out another loan. I have bank statements to prove that I did n't get a loan from them and had my bank reject all requests from them. I told them if they provide me with the paperwork that proves I got a loan out, then I will talk with them about repaying them back. They have not done this and now I am getting calls and threats from random companies phone numbers saying they are going to take me to court and suspend my license. I actually spoke to the " attorney '' ( which I looked up online and could n't find her name anywhere ) and they said they would email me the information showing that I got a loan with them. Never got the email. I said I would gladly review the information with my lawyer if they sent it to me, but they could never get it sent to me. I hate the threatening calls they leave me, but I guess I will just have to keep ignoring them and hopefully they will stop.
|
| 08/28/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check.
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business.
This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back.
I have the voicemail messages left by " XXXX XXXX ''.
|
| 12/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of 2013, I received a payday loan from a XXXX XXXX XXXX place at XXXX XXXX XXXX, XXXX, TN XXXX XXXX, TN. Since the lapse in time from receiving the loan, I do not have records of communication attempts or record of loan terms. I have no paid in full notice or any documents from ACE. Today, XX/XX/XXXX, I received a call from XXXX, CA XXXX. I was transferred to XXXX XXXX and spoke to a XXXX XXXX. XXXX gave me personal information like past addresses, last four of my social former place of employment, driver 's licence number, bank name and routing number and birth date. She also disclosed a past email address. She told me that I owed XXXX but that her agency would take a settlement payment of XXXX over the next 4 months. I set up payments to start on XX/XX/XXXX. After doing further research, I found that XXXX XXXX was not an official collections agency and found no information online. I called XXXX again to ask for an address, the rep did not want to disclose. I never received any official documents via email as XXXX stated I would.
|
| 12/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.
|
| 06/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
ACE CASH EXPRESS loaned me money on two separate occasions and both went to different debt collectors, one was six years old and one was a year ago. I was contacted and threatened with jail time for felony wire fraud and even told its 90 days jail time if I did not pay that day. The collection agency stated my case was on the docket for XXXX that day and misled me to believe if I didnt pay I would be pursued criminally. Another debt collection company contacted me about my six year old debt threatening me with theft by deception and jail time. Ace cash express is aggressively collecting debt from consumers still even after they were sued and had to pay back XXXX million in damages. Collectors should not be threatening jail time nor should they be pressing criminal charges for a debt that was unpaid due to financial hardship. I have every intent to pay the money back but I have been going through a very tough time financially. Ace cash express states the debt is in collections and theyre unwilling to make payment arrangements with me.
|
| 12/10/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
|
| 11/02/2016 |
Yes |
|
|
|
Web |
|
|
I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one
|
| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Ace Cash Express directed me to Populus Financial to pay off my previous account. I experienced hardship during the Covid 19 epidemic and I applied for a payday loan. I wasnt aware of this installment loan nor the high interest rates. Even though I made payments towards my ACE Cash Express account, my banking institution stated, the merchant whom received my payments was through a currency, or to a foreign country. My banking institution told me to contact the merchant to verify my received payments and to show proof of payments receive to a company within the United States of America. I asked Populus Financial for an invoice and I spoke to several supervisors for assistance. My payments to Populus Financial did not leave me in good standing with Ace Cash Express. The interest rates for this online installment loan should be further investigated. Populus Financial stated, No third parties are working on the companys behalf, however, the company has failed to properly report updated information regarding customers accounts.
|
| 07/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.
|
| 07/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took out a installment loan with Ace cash express XXXX and I was making the monthly payments. I had on XXXX occasion called and spoke with the agent letting them know that I had to wait till my next pay date to pay my loan. The agent said that it was fine. My pay day was a week from when the payment was due. I then called to check and see the amount that was due when I came in that day. When I spoke to a lady on the phone she said that I was too late to pay a payment and that I had to pay the full amount. I told her that I did not have the full amount of the loan at that time. She told me that Either I have it all or go into default. which would entail being called and bugged at all times of day and night. Ace started calling me about XXXX times a day and sending me false emails that said that I owed about {$500.00} more than I the actually owed. I also had problems at work because they would call me multiple times at my work which untimely led to discipline at work, and finished with me being let go from that job.
|
| 06/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.
|
| 01/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from
|
| 01/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted by a company named XXXX with the phone number XXXX and given a case number. They also contacted all of my family members stating that I was going to be arrested for intentionally defrauding a financial institution I contacted the company at the phone number provided and was told the same thing, I asked for information in regards to the debt and was given no information. I proceeded to ask for an address, what type of company they were, and for there professional license number and was told I could not have the address for there protection, they did not represent themselves as a debt collector in any way and stated they worked for attorneys, and they stated they didnt have a professional license number to provide. They have called me and my family members from local numbers, spoofing there real identity at least 16 times a day. When I asked for a bill or something stating what the debt was for I was denied this by being told you have already received that from the company you borrowed money from
|
| 03/26/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.
|
| 08/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I went to ace loan to get a loan for a unexpected financial crisis and all was provided and qualified except for a copy of check they wanted from me which I asked my bank doesn't issue paper checks but will generate one and email it but wasnt an option so on the document I signed to file there was to options to verify and it was check or debit card verifications option which was stated on the form I signed and they refused to provide verification that way even though that was my option stated in black and white and then was told well that isn't an option in California I responded well it was false advertising misleading there should be verbage indicating that California is not incuded and even showed the employee there was no such description which should be illegal! And they denied my loan when clearly met all required income and docs except check and my alternative options that I was lead to believe i had I didn't have all of a sudden I felt profiled and it eas quite an embarrassing event she put me threw
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| 07/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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On XX/XX/XXXX I was approved for a payday loan with Ace Cash express for {$1500.00}. The fee 's and interest for the loan were {$350.00}. On XX/XX/XXXX I received an email about refinancing for an additional 2 weeks. I called at XXXX am XXXX on XX/XX/XXXX and talked to one of their loan specialist about the refi option. I specifically asked multiple times on the call that if I do the refi will I receive an additional {$350.00} in fees and was told NO I will only have the {$350.00} take out on XX/XX/XXXX and the remaining {$1500.00} will be taken out on XX/XX/XXXX my next pay date. I was crystal clear to the rep that if I was going to be charged an additional fee then I would not do the refi and she specifically stated that I would not. I am requesting for a supervisor to please listen to the XX/XX/XXXX calls and please let me know what repercussions or options I have because I was clearly miss guided on this refinance. I would have never agreed to pay over {$700.00} in fees just to get a {$1500.00} loan.
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| 10/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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Store is called Ace cash express I have been going there for quite some time during hardship always paid my loans back. It came to a point that I was having more hard ship finances, medical bills.. etc. My bank accounts closed due to NSF didn't realize they would be effected. I did not received any letters from them or a collector.. Recently on XX/XX/2019 my mother in law and wife received back to back phone calls from a phone number XXXX stating that they are looking for me and they have a warrant for my arrest and a subpoena for court if I dont call XXXX XXXX and set up a payment with them now ... When I called they were the ones who advised the original creditor was Ace cash express located at XXXX XXXX XXXX XXXX XXXX Ca ... I called my bankruptcy lawyer which Im in the process of filing and he advised to file a complaint because it sounds like a scam.. They do not supply a address to send payments to they want payments to be made electronically only ... I tried calling that number XXXX and no answer.
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| 06/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Demand Letter To Whom it May Concern : On XX/XX/2021, I applied online for a Porte checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN {$100.00} ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms.
When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms.
Therefore, I respectfully demand that Populus pay the bonus of {$100.00}.
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.
Sincerely, XXXX XXXX enc.
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| 02/13/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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A caller from XXXX XXXX ( XXXX XXXX ) - she called and stated my social, the debt I owed, and a few other personal things. ( XXXX ( she had previously left a message and accused me of bouncing a check and defrauding a financial institution and ended her message with good luck ). I asked her to send a validation of debt to which she refused and stated the original creditor had to supply that. She then gave me a phone number that was not to the original creditor. When I said I will call them and verify then call back she threatened me saying I am refusing to pay, I will be sued or wages garnished and threatened something about a lien or taking my XXXX XXXX XXXX and hung up immediately after the statement. Then a gentleman ( XXXX XXXX from the pre-legal with XXXX XXXX XXXX ) from the same company called and left a message stating they have tried every " appreciable '' way to get me to pay ( they have contacted me twice ) and that they have no more time and accused me of defrauding the company. ( XXXX )
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| 06/17/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was contacted by XXXX and XXXX via phone. It was a recorded message in which I could select a button to transfer to a representative. When I did that the person I spoke with at XXXX and XXXX threatened me and then hung up when I requested a future date call back. I've been requesting pay-off options and have been willing to surrender the vehicle from the start of going into default on this loan / debit. I understand that's not an option and I'm working to get the money to pay this off. However, I do not think its acceptable to be treated as such a way. When I called back this person continued swearing at me using the XXXX word and hanging up. I'm simply requesting a future date to settle this. I just need more time to get the money. The original loan amount was {$550.00}, they're settlement offer is {$690.00}. However, the person I spoke with at XXXX and XXXX threatened me saying she's removing my number and sending my default to court where I'll be forced to pay over {$3000.00} and then hung up.
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| 10/12/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I lost my job and was unable to pay the loan. I forgot and never received a letter now they are harassing my family and myself and left XXXX to my brother stating his name and saying he was a compliance officer in a case being filed against me and they are going to appear at my home or job leaving processing and case file and that it was an illegal notification via phone. When I called and told them at this time I was not able to make a payment he told me that they were going to proceed with judgment and my wages were going to be garnished I said I should probably get a lawyer involved he said how do you have money to pay a lawyer and not the debt then he said ok well we 'll see you in court and hung up. When I called the first time they wanted me to pay over XXXX $ for the legal fees then we could set up a payment plan for the rest when I said I could n't afford that he said ok we 'll let the debtor know that we made contact you are refusing to pay and we 'll see you in court and also hung up.
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| 01/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I took out a payday loan with Ace Cash Express located at XXXX XXXX XXXX in XXXX, XXXX XXXX. I have a payment plan to repay this loan. On XX/XX/ I paid the XXXX payment of this repayment agreement online on the company 's website. I authorized the payment of {$100.00} which was due on XX/XX/. On XX/XX/XXXX after checking my bank account, I see that Ace Cash Express took another unauthorized payment of {$200.00} from my bank account. I did not authorize this payment. I immediately contacted customer service and the store 's manager. This unauthorized payment has overdrawn my bank account. This company owes me money to fix the overages to my account. I have hospital bills that are set up on autopay from my account and now overdraft fees have been accessed because of this transaction taking the money which was for those hospital bills. This is fraud and theft. The XXXX XXXX for this company is in no hurry to fix this problem, all she gives are excuses and refuses to return phone calls promptly.
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| 01/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was contacted through email from ACE Cash Express stating I owe over {$2000.00} dollars for a debt I did have a few years ago. At first I didnt know if it was a legal debt and I did find the company on the list. I made arrangements to pay the {$300.00} that was agreed to close the acct. then I got another email saying we forgot to tell you, you owe another {$190.00} or we will send you to get sued and pay more. I told them I wasnt going to pay. I was then contacted by 2 other people saying the same thing that I will be sued and have to go to court and pay the full amount. On email said if I pay the {$190.00} they will close the account. They have my social security number so I got real scared and paid it. Then I received another email saying I owe an additional {$140.00}. I then told them I am not paying so they threatened me to send my acct to a lawyer. I then filed a police report for harassment and the officer told me it is fraud and to report my social security number is being fraud.
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| 12/22/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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On XXXX/XXXX/15 I applied for a payday loan with Ace Cash Express online. The online application asked for basic information about my employment work history etc. After filling out this page i hit submit and a page came up saying a rep will contact you to verify your information. Four hours later i received a call form the rep who instructed me i had to call my bank on 3 way to verify information. After this phone call the rep said i would have my funds withing 24 hours. During this process i never saw or agreed to the terms they set forth. I never signed or revived a TRUTH IN LENDING disclosures. When I called to speak to a manager he indicated I had already signed the documents. I said if i did sign the document i would like to receive a copy showing my signature and he said he can not provide that to me. By law i should receive and have signed the disclosure and ace cash advance did not show me or provide me this document and still proceeded with the loan under terms i was unaware of.
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| 10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I received a call from a company called XXXX XXXX XXXX claiming I had a lawsuit against me by Ace cash express for breach of contract for a loan they claim I took out in XX/XX/XXXX. Had told me a letter was sent to me certified mail and they were going to come to my house for me to sign documents. I asked to have this rescheduled so I had time to look into the company and the person who called. They said my loan was {$700.00} but they didn't understand why my payoff was {$690.00}. They claimed Ace cash was suing me for over {$2000.00} according to Texas state law they were allowed to charge over 3x 's the amount owed. I contacted Ace cash immediately today on XX/XX/XXXX to which they claimed the did not harass their clients like this.
They continued to contact family members in a different state claiming lawsuit and requesting information for a background check.
I asked what jurisdiction and county this lawsuit was out of and they could not give me that answer. I was then hung up on.
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| 03/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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Called I. To pay off my current loan Ace said they had to wait until Monday because they already took a payment today and I would have to pay extra in fees based on the days. They said that because of my state they cant take more than one payment. If I authorize them to take the money now they should be but they said they couldnt and I would have to make extra payments it was all due to my state and not the company greed. After being upset I called back and asked if I could go into one of the stores I was told yes and the woman at the store said I couldnt because even though its the same company she could t see anything due to their system. I asked her to call that I was trying to avoid extra fees and she refused to even try. You should be able to make a same day payoff and they are refusing, I feel like its some scheme for the company to take advantage of people and this is what call actual. Lawsuits are about. Im more than sure Im not the only person having these types of issues.
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| 01/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance?
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call.
We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair.
Please help.
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| 01/16/2016 |
Yes |
|
- Charged fees or interest I didn't expect
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Web |
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For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash.
I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products.
I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.
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| 10/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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On XX/XX/21 I received a call from XXXX stating she was a compliance officer and was sending someone to my work place to make contact with me and take me in for a court proceeding. She couldnt provide me any information pertains to her office name, address, location, etc. she gave me another phone # XXXX and reference # XXXX. She then called my work and told my operational manager I was rude to her because I was asking for her company information. I then called the # and gave them the reference # and spoke with XXXX and XXXX XXXX both were not able to give me any company information other than the company name of Assurance and that it was for a debt with Ace Cash Express. I asked who do I pay. They told me at this point they dont want my money they are coming after me. But they still wouldnt provide me any information as to what kind of case, case #. They told my operational manager they were coming to apprehend me and couldnt provide her with much information either.
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| 04/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
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Web |
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I was four days late making the payment. Only because they do not give you an option to pay online. They required I come in. I was avoiding doing so because we are in the middle of a virus epidemic. I have never been later before, ever.They called all my references repeatedly harassing them to have me call them. I called when I was able to, to say I would in fact make the trip in on the coming Friday to pay them when I got some money. They told me it was to late and I had been sent to collections after just four days. Now they are harassing me about paying the balance in full. Calling me at work and all hours of the day. I tried to explain that right now I just don't have the money. They are taking advantage of people who are struggling right now and sending people to collections during this epidemic. I offered to pay what I could when I could and they do not want to accept. I am a single mother who is struggling right now. I have lost hours and pay during this time.
|
| 07/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered XXXX and they said there were trying to collect {$3000.00} out from Ace Cash express. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.
|
| 10/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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|
Web |
|
|
On XX/XX/2022 my nephew tried to cash a check I sent from a XXXX account that I am Trustee over.
In fact I sent XXXX checks, one from the account of my deceased mother and one from my deceased father, both under XXXX trust. He attempted to XXXX XXXX of the XXXX checks. The checks were written on XXXX XXXX accounts. Each check was for {$6000.00} for a total of {$12000.00}. He attempted to only XXXX XXXX. XXXX XXXX located in XXXX called me twice. Once to verify the account information and the last call explained they needed a three way call with the XXXX store, XXXX and me to verify how much the account had in the account. I said that they only needed to verify the account had sufficient funds to cover the check and the balance in the account was not their business. I feel this was fraudulent to find out how much total was in this trust account. I declined. I think it was either ignorance or a fraudulent motive.
XXXX XXXX XXXX XXXX XXXX XXXX, TX ( XXXX ) XXXX
|
| 07/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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I paid this debt for my son 2 years ago while he was in XXXX. I have communication from the debt collection company stating that it was satisfied and it shows on his credit report as satisfied. Now 2 years later I get a call from another debt collector representing their call about a legal case in AZ and they sent a process server to my home and went and spoke to 1 of my neighbors about this matter for something that was resolved 2 years ago. When I spoke to them on Monday XX/XX/XXXX they were going to send me their information on the case ( which tells me they knew that it was closed ), however they never sent anything. I have my own records from the debt collector that I dealt with stating that it was paid in full and resolved.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the original debt collector that I dealt with ( XXXX XXXX ) and they confirm that it is paid in full but Ace Cash Express must have sold the debt again to this XXXX XXXX XXXX.
|
| 10/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
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|
Web |
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|
I received an email from ACE Cash Express on XX/XX/XXXX stating my loan payment for {$140.00} is coming due XX/XX/XXXX and would be withdrawn from my account on XX/XX/XXXX. The last four digits of the account number matched my savings account. The company withdrew this amount from my savings. For some reason it was reversed but the bank was unable to tell me if that was on their end or ACE Cash Express. Using my email, I tried to logging to ACE Cash Express by using the forgot password option and the login link they provided in the email. After logging in I was able to see my outstanding balance of {$680.00} and payment schedule showing this is a new loan that I have never made a payment on. The payment schedule shows {$140.00} due every two weeks with the next payment coming due on XX/XX/XXXX. I was unable to locate any loan documents in the portal or reach ACE Cash Express by phone. I did not take out this loan and I did not receive a loan from this company.
|
| 05/30/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.
|
| 10/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was contacted on XXXX, once on my personal cell phone from a private number, and then on my office number. I was informed that it was a process server, ensuring that I would be home at a certain time on XX/XX/20, in order for him to serve me. I contacted the company in which he informed me sent him, and was told that I had a loan for the amount exceding {$1000.00}, for a loan that I supposedly defaulted on. When provided the information that they had, I explained to them that I had not lived at that residence nor had I used that financial insitution during the time frame they gave me. I made an offer to help lower the amount owed, it was declined, and i was informed that they would continue on with the civil suit if i was unable to pay almost {$700.00} today. I explained that that was impossible due to work and Covid, to which he informed me that i would instead be responsible for paying {$4500.00} to {$4900.00} wiht legal fees and court costs as a result.
|
| 05/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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|
Web |
|
|
Today I got a call from this person supposively working for Ace cash express he deposit me money but my account was blocked for fraud so i called and told him i was told it is fraud and i do not want the lend anymore and he told me to pay back I had to pay through Play store gift cards which seems not clear and I asked the lady in the bank and she only adviced me to report this because it is definetly scam, so the guy called me and threatened me with reporting that I dont pay back so i asked him to give me an existing account to pay back well he didnt and I told him to tell me where he was working at and he gave thia adress in XXXX which responds to a restaurant because this company does not serve in XXXX so apparently this is all fraud and when I told him i will be reporting him he told me he was going to send me a sherrif to my house. I do want to return the money if its a real company I just believe giftcards dont seem secure to pay back money at all.
|
| 02/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges.
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.
|
| 04/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX.
XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.
|
| 05/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by a blocked number and the person stated they were sending a process server to serve me with papers regarding a suit against me. I panicked and asked for more info. The " process server '' said they only had a sealed filed with no info. I was given an XXXX number and case #. I contacted the number and was told that Ace Cash Express was filing charges against me for intentionally committing check fraud.
The debt is valid and I set up payment arrangements. I made 2 payments and then I had to cancel my card because I lost the original card. I was contacted on XX/XX/18 and told that I had to pay the balance by the end of month or XXXX XXXX would " send my file back upstairs for processing '' due to defaulting on po payment arrangements. Then on XX/XX/XXXX, XXXX of XXXX XXXX XXXX, left a very detailed message on my voicemail including the amount of my debt and the consequences for not contacting by the end the business day.
|
| 07/08/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX
|
| 10/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Hello, I have been receiving numerous calls from a phone number of XXXX and XXXX everyday stating they are calling from an arbritration firm that has an acct with my info assigned to it from XXXX parish court ruling, stating that I owe Ace Cash pay day loan from 2018 for a total of {$980.00}. They were very aggressive and wanted my debit card info to settle the debt. They gave the names of XXXX XXXX and XXXX XXXX XXXX XXXX. I tried to call the first number back but it automatically hangs up. I tried to call the 2nd number and they answered stating my full name. They claim that they are calling from XXXX XXXX but I XXXX the numbers and they come up as a landline to a residence in XXXX, La which has a different area code. They offered to email me some info regarding the judgement that they have against me but I never received anything. They reported to me an old address that I used to have, the last 4 digits of my SSN and my date of birth.
|
| 11/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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Within the past month, the so called " ligitation '' company for ACE Cash Express has contacted ex-relationships, in-laws, long-distance relatives and employer to collect debt. Initially, I spoke with a representative and informed her that my family is affected by the COVID-19 pandemic which they did not seem to care much about. After a couple weeks, they reached out to one of my ex-relationship to leave a voicemail about me being served papers to my employer and/or residence. In that same day, they reached out to a long distance relative and left the same voicemail to contact XXXX XXXX. When I called back, the lady said there was noone by that name that worked there and they did not control who they called. Also, she refused to give me her name since I did not make payment arrangements. AGAIN, COVID is still affecting my family so I can make promises with no stable income. Very rude and unprofessional and threaten to be served papers.
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| 11/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Offending company : ACE XXXX XXXX XXXX, also known as ACS. The latest correspondence is dated : XX/XX/2020 @ XXXX. I've repeatedly asked ACE ( 10 plus times ) not to contact me further with regard to this matter. They've not honored my request and violate Debt Collection law by continuing to contact me. Addionally, you will see in the email correspondence attached to this email, where they threatened me in several ways, which I'll list as follows : Threatened to sue me if I didn't pay {$3400.00} and court restitution in the amount of {$980.00}. Additionally, here are the charges they'll file against me at the local County Courthouse : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by deception Also, they've threatened to contact my payroll administrator ( which I don't have ) to tell them what I've done in the past. In their threats they give me only 48 hours to pay, otherwise, legal action will commence.
|
| 12/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a voicemail on Tuesday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX from a woman named XXXX XXXX. She gave a case number of XXXX. She indicated that a case was being filed against me and I would forfeit all my legal rights, that my supervisor at work would be contacted and that I will be found. She spoke in a manner to indicate that she was calling from the XXXX XXXX County court. I have attached the voicemail below. When I contacted the number she left, it was a collection agency. I spoke to XXXX XXXX and gave him the case number from the voicemail message. He told me that I owe {$800.00} on a {$400.00} loan if I pay today. If I do not pay today, I will owe over {$2000.00} related to interest and court costs. I asked about the person who left the voicemail on my phone. Mr. XXXX told me that she had misrepresented the matter and that she does not work for the same company, even though they both had the same case number.
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| 01/29/2016 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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My daughter received a phone call today from a XXXX XXXX, XXXX XXXX XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
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| 05/08/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
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Web |
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Received a call and voicemail was left from a restricted number this afternoon around XXXX. Name of the caller was XXXX XXXX. No company name given, no specific reason for calling ( never mentioned actual debt or anything it was in regards to ). Immediately started talking about coming to see me Monday with a court summons at either my residence or place of employment and that I would need proof of ID and my signature. Said that if I was n't reachable on Monday or could not be found, that they would file an affidavit and further action would be required. Only information given to contact them was this number : XXXX and used the word 'firm ', no company name given. Also said to refer to case number XXXX. I 've received calls like this before and they have been happening more often. I did not call the number back, but a simple XXXX search pulls up similar incidents from other people receiving calls from this number and numbers like it.
|
| 03/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have been contacted by a company named XXXX XXXX XXXX XXXX, XXXX who alleges that they are representing ACE cash express in an attempt to collect a debt from XXXX. I have explained to the company, XXXX, that I am unaware of this debt and that its been 16 years ago. I have not received proper documentation verifying the debt as they indicate that I obtained a payday loan in XXXX. I have asked for the documentation and have not received this. I have contacted ACE and they indicated that I have a XXXX balance and any debt was charged off and sold to company XXXX in XXXX. XXXX was contacted on XX/XX/XXXX and they indicated that they do not contact individuals in this threatening manner and that they no longer have the account as it was sold again to a company XXXX XXXX who when canted had no information on the account.
The company XXXX has contacted 4-5 different relatives and friends threatening to sue me and them for the debt.
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| 07/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.
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| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I called reported only got through too 1 institution.Other institutions was not answering or even giving the options to talk to some one that can help me.But the one I did talk too I explained who I was and they said they had no record of me of my info but it clearly stated there info on My XXXX XXXX. I was locked out of XXXX XXXX for about 1year and my wallet was either stolen or I lost it about a year in a half ago I Informed the agencies or in other words institutions that I had been a victim of fraud and/had been a victim of fraud after finally, Regaining Access too My XXXX XXXX My Credit score had dropped I had all these hard inquiries and fradulent open accounts and I hadn't use/applied for any thing with in the last 2 years besides my apartment that I live in and unfortunately I can't apply for anything right now and I have a XXXX XXXX XXXX XXXX and all these hard inquiries are on my report card on XXXX XXXX is fraud.
|
| 01/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
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XX/XX/XXXX- First contact with XXXX. They left me a voicemail stating that have a Case number XXXX that they are filing with XXXX County in Texas on behalf of Ace Checking Cash. Their phone number is XXXX I spoke with multiple people and agreed through their automated system to make 3 months payment to pay of {$640.00} balance. I requested confirmation for setting up the payment, paperwork to validate the debt, and a letter identifying who they are. They refused to send anything.
XX/XX/XXXX- spoke with XXXX XXXX XXXX Requested an itemize of the amount owed/debt validation letter and a confirmation of the payments scheduled to draft my account monthly. She responded and said they won't send anything until it is paid off. She advised they only way to get what I want is to stop the monthly payments and they will take me to court. I asked her are they able to practice law in the state of Texas and she never gave me an answer.
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX on behalf of XXXX. XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).
|
| 10/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.
|
| 02/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
Our Company Advance Cash Express ( ACE ) has to recover the full amount due. Your case file # 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 XXXX BEFORE WE DOWNLOAD YOUR CASE FILE # XXXX INTO THE COURT HOUSE.
This is part of it. And here is the other part NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THATS WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.
I spoke with them there was never any money deposited to the account they were talking about. They could never prove and when said it was not me and couldnt have been cause that account was closed months before they told me that it wasnt true. So i have no idea what to do. If can help would be great
|
| 09/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have received repeated calls from XXXX XXXX XXXX XXXX @ XXXX. They are calling my ex husband, my work, as well as my cell phone repeatedly. I have told them to cease contact. They stopped for two weeks, but now they have started again. The last time we spoke, on XX/XX/XXXX, 2017, I told them to proceed with the threats - which included court procedures. They proceeded to use name calling as a form of intimidation. I also told them that I have an attorney, they said they could n't legal discuss any further. But, another employee proceeded to call me a minute later. Specially, this person ( named XXXX ) said I was " XXXX '' for allowing this to continue. I shared with them that I would be reporting. I did not report that day, but here we are, nearly 3 weeks later, and they have started to contact me again. Today, I received 4 calls within a three minute time frame. My phone is ringing repeatedly from these people.
|
| 12/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
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On XX/XX/21 I cashed a checked from the XXXX XXXX XXXX XXXX, Tx XXXX doing business at XXXX. Check was for {$390.00} and from an account associated with XXXX XXXX XXXX. During the check cashing process the associate XXXX ( XXXX ) informed me I had an account in within the company, XXXX. I informed her I closed the account. She offered to reopen and proceeded to issue me a new debit card even after I denied it. I informed her to update my information in the system, email from XXXX to XXXX and to update license information. She stated updating license information was unnecessary and did not ask for identification either. Again, I asked her not to reopen the account or issue a debit card and she proceeded to do so. Furthermore, I was charged a fee when I was originally told the fee would be waived.
The mentioned " XXXX '' also left identifiable information in public view and proceeded to assist another customer.
|
| 06/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money
|
| 05/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
This number is calling about 5-6 people either kin to me or acquaintances telling them they are coming to get me, file criminal case against me. Officer XXXX is what she goes by but when I call the number it gets answered by a person who just says hello when I inquired about it they first tell me that Im a thief and fraudulent person who steals money which is far from the truth if I messed up I messed up and I want to make it up and fix it. Ace has never attempted to contact me prior to this I have the same number, bank account and address. After about a hour phone call I paid my what all I had to my name because if I didnt I was told the case would move forward. Today I called again because I felt it was a scam and was give 4 different numbers that my account was sold to and none of who I paid! This has caused so much distress with the threats and paying all I have to stop a case that probably dont exist.
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ) ).
|
| 10/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.
|
| 02/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the company on my due date and made arangements to pay the payment in 5 days when I had a paycheck come in. They said that was fine and told me to come in and pay on my payday. I then contacted them on my payday to see how much the payment was and they said I had to pay the total amount of the loan. I did n't have that much money to pay in full. I told them of my situation and they said I had to pay the whole amount. On my next payday I attemed to pay the full amount and they sent me an email saying that I had to pay the full amount plus {$500.00} to pay off the debt. They then proceeded to call roughly 20 times a day harassing me leaving me countless messages on my voice mail. They called so many times that I was reprimanded at work for my cell phone ringing twice an hour. I just want to settle the correct amount that is owed so the harassment will stop. The company is ace cash express.
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
The staff at ace cash express intentionally lies about withdrawal fees. This isn't the first time they have done this. I went in to pay my my rent, I already know that my XXXX XXXX charges me to withdrawal cash however she stated XXXX XXXX was charging me {$5.00} dollars flat and ace cash express fee was {$3.00}. At the end of the transaction {$10.00} is unaccounted for and when I asked for the receipt she said there wasn't one. After arguing with her I finally received receipt, which is beyond misleading, and I also get a text message from my card. XXXX XXXX only charged me {$2.00} for withdrawal, which by the way of my card was swiped as paying a bill it would not have charged me st all, so she purposely put withdrawal instead of transaction, and she clearly lied about her fee being as how XXXX XXXX gave me a breakdown and it said {$2.00} was charged by XXXX XXXX and {$7.00} was charged by her.
|
| 01/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number.
I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.
|
| 09/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
My uncle living in Florida got a call saying that I will be arrested and prosecuted if I do not pay a debt with ace cash express back that I am already working with them with.
He gave me the phone number which is XXXX and a case number XXXX Im not sure how they got ahold of my uncle or how they found out his phone number when even I dont know his number.
I called the supposed collector, they asked for my social security number, address, date of birth.
They told me I need to pay over the phone with a visa or MasterCard right now or schedule automatic payments. If I did not comply I will be arrested and taken to court.
They then forced me to give a card number and said if the payment does not go through this coming Friday XX/XX/19 then I will have police at my door to arrest me.
Ive never gotten any paper work, any summons or any notice of debt. Im honestly terrified for my life rn
|
| 03/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i took out a loan from them. i gave all my monthly payments. onXX/XX/XXXX i get an email telling me that the loan was paid off. ( see the attached document ) after that about a month later i get an email saying that i owe them for a payment that was not done in XX/XX/XXXX. i called in and i told them that they never told me that that there was a payment missing.
i told them that i have in writting that states that the loan was paid off.
i requested to speak with someone and was transferred to a " complaint voicemail and never heard back.
about 2 weeks ago, my account overdrafted because they charged a check for the apyment that they state was never made.
however i never heard back from my complaint and they never told me that they would charge my account.
the check that they made to charge my account is also attached.
it is not my fault that they failed to complete their process.
|
| 10/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got this pay day loan 2 years ago.I don't remember the exact amount of the loan. He said its {$970.00}! I started paying it back on my own, then I started paying it back through this company called XXXX XXXX XXXX! Then all in a sudden they stopped paying ACE ; with no notifications to me. Than XXXX XXXX Investigative Officer of ACE started contacting me by email ONLY! No phone number. & demanding that I pay {$200.00} bi weekly on a prepaid debit card! I put the money on a XXXX card so that I'll be able to track it! Now I get emails stating that I have to purchase a XXXX XXXX card INSTEAD! Keeps harassing me telling me that if I don't get this payment that ALL my wages will be garnished! I'm starting to think that this may be a Scam because of his PERSISTENCE!!! & truthfully I think I already paid off this debt! I NEED some help! I don't know if this is REAL or not! Please help me.
|
| 06/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
on XXXX I was contacted by a company by the name of XXXX XXXX XXXX XXXX ). XXXX XXXX had my debt information on An Ace Check Cash payday loan. She verified my personal information and all the information was correct. I setteled for XXXX. I was told that I would get an email confirming payment. I did not get one so I called them again. I also looked at my statement and found that a company by the name of XXXX XXXX deducted the XXXX. I called by prepaid card customer service and was told that it was XXXX XXXX in Ga. I have not been able to contact anyone at XXXX. I then call Ace Home office and they gave me the collection agency name and phone number. It was not XXXX. They still has my file and was told that XXXX ( XXXX ) ws a scam. I paid them XXXX and I ca n't recover it per ACE. Here is XXXX information AKA XXXX XXXX AKA XXXX AKA XXXX XXXX AKA XXXX XXXX, XXXX.
Posted in : XXXX XXXX
|
| 09/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
XXXX XXXX, who was claiming to be with the Office of Investigations Fraud Department called my daughter and told her if I did not contact them within XXXX hours they would be forced to file charges on the complaint and would be sending officers out to my home to arrest me and " make a scene ''. I called them back and found out it was regarding an old payday loan from Ace Cash Express. They told me that I had until XXXX to pay them ( but would n't tell me " who '' I needed to pay and they refused to give me contact information until I was ready to make a payment ) {$480.00} and that they had waived the {$5000.00} in fees. When I called back again to ask for verification of debt because I was n't paying them without a formal notice, XXXX told me that I could only pay in cash or debit card and that if I did n't pay today then I would be going to jail for 45 days and would lose my XXXX.
|
| 09/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted ACE Cash Express today and they stated that my debt has been sold to XXXX ... yet another company called me about the same debt called XXXX ...
On XX/XX/2019 I received a phone call from XXXX at XXXX from some company attempting to get documents to me for a matter that they had no information about. I asked for the number of the company that is trying to send me documents and they gave it to me along with a reference number XXXX On XX/XX/2019 at XXXX XXXX I called XXXX and gave them ( XXXX ) my reference number XXXX and they stated Okay. So what I'm showing here, Mr. XXXX, is you are currently being pursued for breach and fraud of a contract that you had with ACE Cash Express. And it's looking like when executing the terms of repayment, you violated the binding contract with that company. Are you because of that?
Please communicate in writing only do not call me.
|
| 12/11/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.
|
| 03/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I understand I have to pay my debt, but they are calling my step father ( whom i do not speak to ) harassing to take legal action against me. I told them to delete his phone number and deal directly with me and they agreed. I spoke to XXXX XXXX from XXXX in regards to case # XXXX. So she allegedly " deleted '' my dads information and said she would deal directly with me. I recently lost my debit card and was waiting to get a new card and they have been harassing me ever since and have now called my dad once again claiming to take legal action against me. They have an anonymous number calling me stating that they will come to my place of employment to have me sign a legal document and that if I am not present they will have my supervisor sign it. I HAVE EVERY SINGLE VOICEMAIL.. at this point i feel harassed and it indiscretion to share my financial information with my employer.
|
| 01/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Company calling themselves XXXX XXXX XXXX. Have contacted a 3rd party person, regarding a debt they claim I owe. They have given information to this 3rd party to include last 4 of my social security number. They then threatened to have someone come to my employer and serve legal papers on me.
These calls occurred XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. I contacted their office on XX/XX/2019 and requested they cease communication with the 3rd party. However, the calls continue to the 3rd party cell phone.
Upon contact, was able to determine they are a debt collector and are attempting to collect on a tertiary debt. The claimed debt is at least 5 years old and outside any legal Statute of limitations for my state. Asked for address to mail a cease calling letter and they refuse to give an actual name or address.
The phone number they leave to call back to is : XXXX
|
| 11/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XXXX XXXX XXXX 's from XXXX XXXX firm was asked TWICE not to contact me at work and continued to do so. He would call my place of employment repetitively would and would let the phone ring an excessive number of times. Because I work in a customer facing environment, this created a challenge for the daily operations of our branch as well as having the phone line free for our customers to reach us. XXXX XXXX called my employer AGAIN on Friday XXXX XXXX, XXXX and this time told one of my employees that he was " my buddy '' and released information to her about a signature that he needed to obtain. I would to formally request this company be looked into. They are calling me from XXXX. Also they have called me from local numbers such as XXXX. The calls to my employer are the most concerning considering I have asked this gentleman to cease contacting me at work on two occasions.
|
| 01/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I applied for a payday loan of {$500.00}. It was given to me. Pandemic hit which hurt the entire world. Wasn't able to pay it back. Now I have a lady named XXXX XXXX calling me and my family members every day saying that there is a case being filed against me. I called the number she gave me back. Asked for XXXX XXXX, they replied there is not a XXXX XXXX that works here. Then presented to ask me for my personal information, as well as my debit information to pay an amount of court costs, fines and restitution of {$2900.00}. I of course didn't have the full amount and I wont. I now have gotten a call from my ex which is the mother of my first child, she tells me a constable and an officer are looking for me for warrants in XXXX county, which i have none, I checked. They now have been at her house two days in a row. I know this cant be legal. This is not how the law works.
|
| 08/12/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
Older American, Servicemember |
|
I went to pay my rent at ACE Cash Express, I handed the clerk {$1000.00} dollars cash. The {$900.00} for rent payment and the service, The rent was not all pay, nor did I get the service fee and correct amount. The clerk at ACE Cash Express did not submit correct amount of money after giving her {$1000.00} cash to pay {$900.00}, rent fee.
Once I realized she did not put the correct amount I did realize the error until my property manager contacted and informed me of the {$400.00} dollars shortage and that I did not get my correct change from the transaction fee.
I am very upset that ACE Cash Expree, caused me to get a notice of eviction, and late fee! I request that the drawer be counted and was denied. I also requested to file Complaint with Federal Trade Commission, Elder Abuse at time of transaction.
Thank you your prompt attention to this urgent problem!
|
| 07/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/19 I had applied for a loan online, at XXXX XXXX, I received a text message from Ace Cash Express with a Loan Approval Code : XXXX and to call them to complete the loan process. I called them and they offered a loan of {$3000.00} with payments of {$94.00} a month for 36 months. They verified my personal information as well as my banking information. They also said they would email the loan documents so I could electronically sign them. On XX/XX/19 at XXXX, I received a text from them again saying I had to provide my online banking login information, my username and password to verify they were depositing the funds in the right account. I replied that information is private and I don't give out that information. They then said they were part of the XXXX, and they 4.5 star rating, and if I didn't provide the username and password I couldn't get the loan.
|
| 12/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took the loan foXXXX XXXX XXXX on XX/XX/2022.
I made a manual payment of XXXX XXXX on XX/XX/2022 which i got it reversed by my bank on XX/XX/2022 as i had paid that in error.
The Lender Deducted the amount of XXXX on XX/XX/2022 as per the agreement and my account got paid in full as of XX/XX/2022.
Now, i have started getting collection calls threatening me that they will block my checking account and block the funds in there. they will also send people to my home to collect the debt.
i am very scared and hence i am writing to you to please help me.
i have attached the screenshots of my bank statement showing that i paid both the amounts and one of the amount which is XXXX XXXX manually paid by me was in error hence i asked my bank to reverse.
My bank investigated the matter and then reversed the amount that i paid in error to the lender.
thank you!
|
| 10/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
received call from ( XXXX ) XXXX stating he was a verification officer and that i better call phone number ( XXXX ) XXXX and talk to their legal department or else he would come to my home and serve me. called the XXXX number and spoke to XXXX XXXX who stated she was a legal mediator and that i better pay or they will come and serve me and have me arrested. I ask several times what this was for and she said it was ace cash express. The case number they gave is XXXX. They presented themselves as a law firm and not a debt collector. I stated that I do know the laws when it comes to collections and what they were doing was completely illegal in the state of texas and i was promptly hung up on. Not only did they contact me they also proceeded to contact 4 of my family members, and tell them that they will be out there to serve them with papers and arrest warrant.
|
| 11/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Had a man call me claiming he was a detective and I owed on a payday loan for Ace cash express claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam.
|
| 09/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.
|
| 06/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Servicemember |
|
requested a credit balance from XXXX XXXX XXXX XXXX XXXX of XXXX. I was told a check would be issued via USPS mail within 15 business days. I requested to have the check sent either by XXXX or XXXX and was told USPS was the only option. After not receiving the check within the 15 business day, I informed XXXX XXXX that I didn't receive the check and requested the check be reissued. Instead of re-issuing the check, I received a letter with a copy of the check that was cashed. I immediately called XXXX XXXX and made them aware it was not my signature on the back of the check and has no knowledge of the check cashing place where the check had been cashed. I'm attaching a copy of the police report filed, a copy of the check that was cashed and a copy of my driver 's license. In reviewing the back of the check, it was cashed at XXXX Check Cashing Place.
|
| 11/10/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report
|
| 12/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX
|
| 11/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.
|
| 11/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.
|
| 07/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
An employee with ace cashing changed the last digit of my driver linsence. The check was from XXXX XXXX in the amount of {$5000.00}. The last digit of my linsence is XXXX not XXXX. XXXX XXXX was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number XXXX. The courts shows I was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. The new loan is with XXXX XXXX.
|
| 04/24/2015 |
Yes |
|
|
|
Web |
Older American |
|
XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.
|
| 03/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Every single year, since about 2018, I get a call once or twice a year stating that Ace Cash Express has hired them to collect a debt from me. I have asked many times to have proof of debt sent to me and have also asked them to quit contacting my family members and my place of employment. The problem is, every year it's a different company that calls me, but it's always about the same thing.
" XXXX XXXX from the XXXX XXXX XXXX calling in regards to petition that's been filed here in my office. I need to speak with either yourself or your representing attorney immediately. I can be reached directly at XXXX my direct extension XXXX is when calling please reference filing number XXXX. Failure to respond would be my recommendation would be solely on the information provided I can assure you my intent will be to move forward with the charges ''.
|
| 10/03/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace 's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.
|
| 08/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On Friday XX/XX/2020 I was contacted numerous times by XXXX " XXXX XXXX '' he said he is a locator trying to issue me paperwork for case # XXXX XXXX and that I needed to contact XXXX. After he gave me the message he was intending to give he proceeded to contact my daughter and threatened to come to her address- he stated her address- he then contacted my EX- Husband and gave him the same information he already gave me ... I have been divorced 6 years, his name is on NOTHING!! When calling the XXXX # - XXXX XXXX, XXXX said I owed ACE Cash Express {$340.00} plus {$200.00} extra for a locator fee.
I have requested numerous times that they stop calling on all numbers they have, including my work number!! I have received several messages with threats to show up at my place of employment as well as my house and daughter 's house.
PLEASE HELP
|
| 04/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's XXXX XXXX XXXX XXXX and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.
|
| 10/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am continually being called, harassed, and threatened by XXXX XXXX representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX.
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.
|
| 12/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I Took a Loan Out From Ace Cash Express Roughly 2 Weeks Ago. I Get Paid Semi Monthly On The XXXX And The XXXX As It Clearly States On My Paystubs That Ace Cash Express Has In Their System. Ace Cash Express Decided My Payment Was Due 3 Days Before My Pay Date On The XXXX ( XX/XX/2021 ). I Received Messages About The Payment Being Due On The XXXX And Called In To Advise The Customer Service Reps Of My Date And That My Payment Shouldn't Be Due On The XXXX. They Told Me That I Had A 6 Day Grace Period And Should Be Good To Go And Never Once Mentioned Extra Interest Charges Or Late Fees. When I Went To Pay The Loan Off On The XXXX, I Was Charged An Extra {$200.00} To Pay Off The Loan. The Pay Off Amount Should've Been {$1600.00} And Instead It Was {$1800.00}. This Is Absolutely Ridiculous And I Should Not Be Charged Extra For Their Mistake
|
| 11/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars.
I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning.
This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.
|
| 09/28/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.
|
| 12/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Despite numerous attempts to contact the company in both writing and via telephone customer service, Ace Cash Express has REFUSED to allow me to enter into the required XXXX grace period the State of Florida requires for payday lenders to provide. Ace Cash Express has claimed ignorance of this requirement in Florida and instead of offering any assistance in postponing payment while I attempt to follow Florida law with credit counseling, Ace Cash Express cancelled the loan to attempt to force a full payment through my account.
Ace Cash Express was notified on XX/XX/2022 that XXXX access to my account was revoked, and they have still made numerous attempts to remove funds from my account. Ace Cash Express is in violation of Florida law, specifically, XXXX XXXX. XXXX. XXXX, which dictates the grace period requirement for Payday loans.
|
| 04/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This company XXXX XXXX XXXX, sent me an email stating that I owed {$3200.00} from Ace Cash Express on XX/XX/XXXX. First of all, I don't have an account with these people and haven't obtained a pay day loan from them. I called the number on the email XXXX Ext.XXXX and spoke with someone by the name of XXXX . She informed me that this account was created on XX/XX/XXXX and the email attached to the account is XXXX.
After hearing this information, I immediately contacted my attorney at XXXX XXXX XXXX XXXX XXXX, attorney XXXX XXXX and she researched the information and informed me that it is a scam. Not to give them any information but to report them to Consumer Financial Protection Bureau and that is what I am doing now. This is terrible how people obtain your information and use it against you. They need to be stopped and prosecuted.
|
| 08/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
2 years ago now I got a pay day loan and when it went through the company put it through twice. They have tried to charge me twice now for one payday loan and because of their mistakes that I should n't have to pay for. It was for 150 or so the collection agency has called my family and friends told them about the debt threatening them that they will be sued or go to jail. Doing the same with me I have many many voicemails saved of them trying to act like the cops and black mail money from me and my family. I have tried to settle but they are rude curse hang up on me and say I 'm being charged with check fraud. I did n't do anything wrong and I have read online about a lot hundreds of others that they have done this too for an extra buck it 's wrong and people that do n't know about fair debt collection act do n't even have a chance.
|
| 06/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I was contacted by a man from XXXX XXXX XXXX XXXX that said he was an attorney. He stated that I owed $ 2000+ with Ace Cash. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all
|
| 12/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a phone call from someone stating he was a process server trying to contact me due to a cuvil suit filed against me for an installment loan I had with Ace Check Cashing. I had made arrangements to finalize pymt and was never notified there was an issue with pymt. I then get internally transferred to someone named XXXX XXXX representing a XXXX XXXX XXXX XXXX claiming he was hired for this suit against me. I told him I was represented by a lawyer and he told me to give him info to contact him and I said I will have my lawyer call you. He said my debt amount was {$420.00} which is not what i owe and i let him know the amt was wrong. He said well i need to check because it could be extra fees. He said to contact Ace at corporate XXXX and follow the chain of title which will lead me back to him. His number is XXXX case XXXX.
|
| 09/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.
|
| 06/05/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.
|
| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by a company phone number XXXX with a return call number of XXXX they left a voicemail stating its a legal matter and will be going to my last known address and place of employment. I called the number back and got a voicemail that didnt seem legitimate. I left my name and phone number and got a call back from a man saying he represented ace cash express and that I owed {$420.00} from a loan in 2019. He had my bank information the last four of my social and my birthday. He said ace was going to sue me for {$1200.00}. I told him I did not have a loan with them and any loans I previously had, had already been paid. He told me he would contact ace and see how they wanted to proceed. I called ace cash express customer service collection line who informed me that I did not owe anything at all and that this was a scam.
|
| 09/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I went to ace in XXXX, Texas and received a payday loan of around XXXX to XXXX dollars. I lost my job before it was time to pay back the loan and talked with a few reps about resolving the issue. They said someone from management would give me a call to walk me thru the next steps and step up a payment plan. I was never contacted and when i called a month later an employee placed me on hold and never returned to the phone several times. Now over a year later the are calling my grandmother and anyone they believe to be kin yelling, threatening legal action against them if i do n't pay before they ever contacted me. Once I finally got in contact with someone they said the are filing criminal charges for check fraud, and once I told them I XXXX have n't worked since last year the lady stated good luck with the judge and the courts.
|
| 03/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the XXXX XXXX, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
|
| 02/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds.
I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action.
The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?
|
| 11/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters.
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me.
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for XXXX , they got it a man named XXXX XXXX was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now XXXX XXXX says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on for 5 w eeks now ) and now the chase is on for my money back, XXXX XXXX has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!
|
| 05/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company that calls itself XXXX XXXX, called my husband, mother, father and step brother all on XX/XX/2019. To which this company proceeded to let them know that there was a warrant out for my arrest and a subpoena for debt owed. I called the number that was given to them XXXX and the case number : XXXX. I called and asked for company name and Info and was hung up on. Second call was told to verify the last 4 of my social ( they had my complete SS # and date of birth ) said I owed money to Ace Cash. I said well I havent received any written statements in the mail. If I get a mailing I will pay. They said no. We will not send anything out, you will be served or pay through the phone with a debit/credit card. I said no, is there a website to send payment and get more info? and once again got hung up on.
|
| 04/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I filed bankruptcy last XX/XX/XXXX and I was called in XX/XX/XXXX from a blocked phone number the lady kept calling back to back she wouldn't say what was the company name nor her name at all. Today my brother called me after he has told them numerous times to stop calling him and they finally left a phone number to call back on which is XXXX. The company 's name is XXXX that has been harassing my brother. I advised them to call my attorney and I will reach out to the CFPB to see what can I do to start a lawsuit or see if they have been violating federal law by calling from blocked phone numbers, harassing people, leaving voiemails on others phones and not calling me ( my phone number hasn't changed ), and not checking the federal bankruptcy courts to validate that I had filed for Chapter XXXX protection.
|
| 08/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.
|
| 06/08/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled.
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.
|
| 03/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out an " Payday Loan '', and I show up to pay off loan, and the customer service representative refuses to take payment.
ACE Cash Express, Inc. Store # XXXX, the customer service representative refuses to take payment. She stated that the, " Payday Loans '', are passed on too collection agencies, too ruin minorities line of credit, so that they will have to come back to, PAYDAY LOAN COMPANIES, only for business, we make numerous inquiries so that the customers are forced to come back to, PAYDAY LOAN COMPANIES CAN RUIN THE CREDIT!
Ace Cash Express, Inc. Store # XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX www.acecashexpress.com After calling numerous times, the Ace Cash Express , Inc. to this day refuses to connect, me with the collection agency by United States Mail , to settle this account.
|
| 04/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
The Ace Cash Express Located at XXXX XXXX XXXX XXXX Washington DC XXXX needs to be investigated by the Local Police Departments or the Federal Trade Commission in Washington D.C. because some of the Employees that work for Ace Cash Express is Charging Customers XXXX Dollars or more money to Load Money on there XXXX XXXX XXXX XXXX Visa Debit Card the real fee for Loading this XXXX XXXX Visa Debit Card is XXXX Dollars but when Customers Load Money on there Visa Debit cards at other Locations in the Washington DC area the cost is XXXX dollars to Load some money on your visa debit card the same thing might be happening at other Locations besides XXXX XXXX XXXX XXXX Washington DC XXXX and other Criminal Activities at other Locations but Ace Cash Express needs to be investigated by Local Authorities
|
| 05/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I have been receiving emails from someone from Ace Cash Services.
Their email address is XXXX.
One email states the original loan was for XXXX. The settlement amount is XXXX The Customer ID is XXXX File # : XXXX XXXX The loan was signed via my email address. My SSN will be placed on hold by the United States. Legal action will be taken against me. Court fees will be XXXX To resolve the debt I need to contact : Department of Law and Enforcement ( Ace Cash Services ) between the hrs. of XXXX and XXXXXXXX ( EST ) A different email states the loan was taken out online on XX/XX/2015 for XXXX. Loan signed with my email address. They state in a different email that my computers IP address was traced when signing the online contract.
These online applications are to be secure by the loan companies.
|
| 01/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call from a phone number that showed on the caller id as XXXX XXXX XXXX XXXX XXXX Hospital today around XXXX XXXX CST XXXX. The lady had to look up my name to see why they called me. She told me that I had a debt from ACE Cash Express from XX/XX/2011 and that they have me on Video Surveillance Cashing a check. She said that a recent NCIS check found that I had no criminal history and that this would change if I didn't pay the debt. I asked her why her phone number said XXXX XXXX. She said that maybe XXXX XXXX previously had that number. I told her that I wanted to call ACE myself to verify and she urged me not to do that because I wouldn't get the chance to pay if I didn't do it right now. I continued to question her and she got even more aggressive. I then disconnected the call.
|
| 03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Loan Number:XXXX Ace Cash express has charged fess that violates the State of Texas usury laws.
The current maximum interest rate that a creditor can charge for a loan in the State of Texas is 18 %. The current loan rate has an APR of 661.69 %. The terms are predatory and were designed as an attempt confuse and defraud borrowers. In XXXX and XXXX, Ace Cash Express settled a class action suit from the CFPB regarding this very practice. Ace Cash Express continues this practice today. Additionally, this creditor violates the Fair Debt Collections practices. They contact consumers from various telephone numbers ( with caller ID information hidden ) at multiple times of the day, without leaving any voicemail or identification of who they are and that their calls are an attempt to collect a debt.
|
| 01/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.
|
| 01/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Th company calls mutiple times a month. I have to explain each time. I am currently not working due to COVID and I will contact them when I do normally they are very understanding, but this last time the girl was persistent and rude. More like interrogation. Now, I have received emails stating I am going to be arrested and they are going to sue for like XXXX something. My payday loan was only XXXX and they are saying they will settle for XXXX without getting legal involved. That still way over the amount I originally was supposed to pay back and I am still looking for employment. I made them aware I was going to be filing a complaint with FTC and they will be hearing from my lawyer since. I know my rights as a abiding citizen and have answered calls and made sure to stay in communication
|
| 07/14/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}
|
| 09/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I took out the paid all but XXXX got Ill and couldnt pay it off. My bank closed out my back up debit pay system. Now threatening to have me arrested and sold debt 2 times. Now attempting to throw me in jail. Offered to pay them they refused to send me anything writing. Only would accept debt card or credit card payments refused to identify who they were there mailing address. I never received any letters about the remaining debt and now they want a full XXXX called from unknown number stating if I didnt comply I would be arrested. Called from XXXX gave a case number XXXX hung up on me multiple times and called my ex wife and threaten her she has XXXX XXXX and XXXX called me in tears. Spoke to 4 different people 4 different times. I never received any letters regular post or certified.
|
| 03/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
THEY ARE CALLING ME AND CALLING MY FAMILY SAYING THEY ARE FROM XXXX COUNTY AND I NEED TO CONTACT THEM BECAUSE THEY ARE GOING TO DISPATCH THEM TO PICK ME UP. THEY GAVE AN XXXX AND A CASE NUMBER OF XXXX. THEY ALSO SAID THEY ARE GOING TO CONTACT MY EMPLOYER AND SPEAK T MY SUPERVISOR. I CALLED THE NUMBER BACK AND THEY SAID THE PERSON THAT CONTACTED ME IS A LOCATOR AND THEY DON'T WORK FOR THEM. I TOLD THEM THEY CONTRACTED THEM AND THEY ARE NOT ALLOWED TO THREATEN ME OR MY FAMILY WITH JAIL OR LAW SUITS.
THEYCALLED ME AND MY FAMILY ON XX/XX/21 AND THEN CALLED ME ON XX/XX/21, I TOLD HER NOT TO CONTACT MY FAMILY AGAIN AND AS SOON AS SHE HUNG UP WITH ME SHE CALLED MY NIECE THREE TIMES IN A ROW, SHE CALLED MY HUSBAND AND MY SON. HER NAME IS XXXX XXXX AND SHE SAYS SHE WORKS FOR XXXX COUNTY.
|
| 01/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Statement is Stating on XX/XX/XXXX was my beginning balance after cashing my IRS check. They charged 4percent of I believe {$4000.00}. The lady quoted me a lower amount but failed to do so saying that it was her computer and could not correct it.
The Ace check cashing place did not have enough cash on hand to complete the full amount. Putting {$2200.00} on one of their prepaid XXXX account XXXXXXXX XXXX cards which opened some account. They charged me fees per month just having the card in addition to application fees, and Foreign transaction surcharges. Also, municipal online payments for unknown payments/bills. I can give more details of the exact dates, amounts, and times of these things listed above. Thank you for all your help in what you and the staff do for us consumers.
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
XX/XX/2020 ACE CASH EXPRESS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2020 The company above or, people working through them, fraudulently made a Regular Inquiry. XXXX XXXX says this was a hard credit request. They updated my Employer to XXXX XXXX. I have never worked at XXXX XXXX.
In any case, I do not know who this company is, and I have not applied for any credit in over a year. When I called the number above, I got some kind of hard medical sales pitch.
XX/XX/2020 XXXX XXXX Credit Card Services notified me that XXXX individuals had been listed as new authorized users. They would not tell me who these individuals are. I cancelled the account. No fraudulent charges were made.
XX/XX/2020 Filed a XXXX XXXX with Credit Bureau XXXX.
|
| 11/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
The collection agency contacted me stating that I have an unpaid debt and a summons from Ace Cash Express. I haven't had a loan in years from there and I don't think I have any unpaid debt as I settled any debts I had with them.
They proceeded to get very aggressive and said, " We can do this the easy way or the hard way. Do you want me to call XXXX ( my sister ) or XXXX ( My Mom ). I can make it look like you're calling them. '' The person then called my family members spoofing my numbers so it looked like me. They also called me pretending to be several of my family members and then said they could " make my life a living XXXX. '' I tried to get them to stop, but they wouldn't even let me talk, the guy just kept yelling at me and harassing me and my family members.
XXXX
|
| 09/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX called XXXX XXXX XXXX & XXXX XXXX told me I was being arrested & served because a debt I owed was not paid told me debt owed was over XXXX dollars & with cout cost Well over XXXX but I could settle for XXXX dollars. I was deceived into giving my info after concerns & a talk with my wife. I followed the debt & have received confirmation that it had been paid. After a few days I received a call from XXXX XXXX that payment had been stopped I told him what I found he calmed me a liar stated Marshalls were coming to get me. Now a month later another lady stated she was from XXXX the settlment had not been paid. She also stated I was gon na be arrested if I didnt pay. I told her to cease and desist I was threated XXXX last time and hung up on This was the # she called from XXXX
|
| 07/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Closure Request Checking Account XXXX To Whom it May Concern : On XX/XX/2021, I asked in writing for Populus Financial Group , Inc. d/b/a XXXX to close the above captioned account.
Later that day, I was informed that my account could not be closed via email and was given instructions to log in to your account online and select Help -- > Close Your Account.
To my knowledge, XXXX is only available via smartphone application, not online, and no such options exist within the app.
Now, I must reiterate my request to close this account.
Sincerely, XXXX XXXX XXXX.
|
| 09/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
on XX/XX/, Ace cash express called me and left a voicemail threatening to " locate '' me and that they threatened to file suit against me if i did not call and pay. I called scared and talked about a payment plan. I did want them to have my card information, so after the call attempted to reach the person who left the original message. After being unable to reach them, I was call today by the same lady who left a voicemail that they will disclose my information to my employer and " locate '' me, despite them giving them my address. I have noticed that they have been charged with the same offences that have happened to me, such as threatening to file suit if I do not pay them. I would like to see what can be done. They also threatened to " use my recording against me. ''
|
| 10/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.
|
| 04/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Hello, I got a call with threats to call a number if not they will file a case against me. I believed it was a scam and asked them to leave me alone because they said they couldn't provide any information to me. A week later, my sister texts me and told me someone called and asked for me, and left their name and number and asked for me to call back, if not there was going to be a case filed against me. I finally called and they told me I need to pay {$300.00} if not, the court will charge me {$1000.00}. I got intimidated and paid, but now I will be struggling to pay my rent. I am the only one working at home with XXXX kids to provide for due to Covid, and now I will be short with my rent. They said I need to pay in full and did not give me options to pay in payments.
|
| 01/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received my XXXX report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express
|
| 04/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Okay im resident of XXXX Ohio and I was scammed out of XXXX $ on Thursday XX/XX/XXXX.
Okay this what happen i walked to the ace cash XXXX right and i had check in hand and id and was just trying to do business right. Im second in line up next, i get to the window and i gave her the check then she ask for id i gave it to her. Then she started talk to me like a Friend right we was talking bout nothing for real then she got the cash out the register right then counted the money .Then somebody walk in and i looked to see just a random boy then i looked back at the lady/employee she put some money back in the cash register. She acted as she put all the money up on the conuter all XXXX $ up but really put XXXX $ back in the cash register as i look away Sincerely unknown
|
| 07/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a voicemail from a processing office advising that a criminal complaint was being filed for fraud, attempt to de-fraud a bank, and giving false information. They also started theyd be calling my employer and my supervisor to tell them I defrauded a bank and gave false information all over a payday loan for {$250.00} that was discharged in my bankruptcy last month. I told them multiple times that I had listed this in my bankruptcy and they kept saying that payday loans are dischargable debts bc they arent approved based on credit, so therefore they arent dischargable. It was very stressful until I realized it was a debt collector. Whats worse is that they left the SAME message and 2 of my family members phones making it sound like I was in huge trouble.
|
| 02/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have been contacted the last several days from phone number XXXX XXXX XXXX and have a voicemail as well stating that I took out a loan with Ace Cash in XXXX XXXX tx in 2018 and never paid it back. The voicemail states that if I dont call them back, they would contact my supervisor and also advise the XXXX XXXX County and I would be taken to court. I called the phone number back and spoke to someone who was asking me for my name, dob, and last 4 of my s.s. I advised them I did not know anything about a loan, however they proceeded to tell me that I needed to have my attorney call them to settle this or they would be seeing me in court. After I denied the validity of the statement about the loan, she said okay and told me she would see me in court, then hung up.
|
| 10/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.
|
| 09/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
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Web |
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I had a loan which was due XXXX XXXX. I spoke with a customer service agent at the XXXX XXXX, XXXX, Oregon store as I was n't going to make it in to the store to pay it on that day. The gal told me that it would automatically go to the bank as a debit card charge that night. I said that was fine. The amount never deducted from my account and when I called the following Tuesday, XXXX XXXX, the customer service person told me it was declined for insufficient funds from my bank. I promptly went in to my bank and confirmed the charge was never presented to the bank, and never declined. I brought a printout and the bank teller 's name and phone contact to the XXXX XXXX store, and the gal told me there is a {$20.00} charge on my account and that it is in collections,
|
| 10/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/19 This account appears on my credit report, i contacted ACE Cash express to see who had the debt, they stated XXXX XXXX XXXX had it once contacting them they advised XXXX XXXX had it upon further research they have been shut down for illegal practice. So i contacted XXXX XXXX the company listed on my credit report, he was very rude and threatening, I asked my balance he stated XXXX upon speaking to ACE Cash Express they stated that I owe {$400.00} and that the collection agency is NOT ALLOWED to tack on anything extra. I expressed this to XXXX XXXX XXXX and he stated well oh yea we will take {$400.00} and I will take it off your credit within 48hrs. They are sending very threatening emails as well, when I asked for the debt to be validated they refused.
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| 07/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
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Web |
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XX/XX/XXXX I applied for a {$700.00} dollar loan with the installments listed at {$160.00} bi-weekly and I would pay a total of XXXX after interest. I spoke with Ace Cash Express today and they told me the interest was 1000 %. Which I fully read the loan agreement and that was NOT a part of it. Furthermore, they never sent a copy of the original loan agreement. I had to ask for it and NOTHING was the same as what I signed originally. I know for a FACT they changed my documents afterwards to a 1000 % interest and now it says I would be paying them greater than than the {$1000.00} I originally knew I would be paying over time. They are XXXX consumers. To date, I have paid the {$1000.00} I agreed to in the original documents they have since altered. Please help!
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| 12/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Servicemember |
|
I went to Ace on XX/XX/26 for a {$700.00} loan and was given 3 XXXX 4 $ XXXX and 10 XXXX. When I went to the ATM machine about an hour afterwards it wouldnt accept all the bills so I tried another ATM machine about an hour later. Again it wouldnt take all the bills so I only deposited what it would take and spit 1 {$50.00} bill out. When I looked at it noticed its a counterfeit bill and when I tried going back to ACE they were already closed so I called first thing next morning. They pretty much told me it was my problem and I insisted to file a complaint but nobody is calling me back. That store needs to be investigated because they either accepted counterfeit money or have illegal activities going on. Please help me because {$50.00} is a lot for me to lose.
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| 07/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
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On approximately XXXX-XXXX-2017 I visited Ace Cash Express located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, my intent for the visit was to recieve a payday loan. After providing all required documentation, a cash advance of {$200.00} was approved, I understood the funds were provided through third party was given a due date in which the loan should be paid back and left the business. On XXXX-XXXX-2017 I returned to the business named above to pay my loan and borrow it back, once again provided all of the documentation requested by the company and was denied by the CSR, I called the XXXX number provided as well as the third party lender only to hear there was nothing that could be done about the situation. I need answers. I am highly seeking litigation.
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
XXXX. They are making repeated calls to me every day and harassing me.
XXXX. They sent me a letter in the mail saying I owe {$3000.00}. My original payment principal was {$1100.00}. They also charged me a late fee of {$380.00}, which is more than my installment payment amounts. This is outrageous and an attempt to take advantage of a customer. I want the payment lowered back to the principal immediately. My hours at work have been significantly reduced, and I am unable to pay the installment amounts and definitely will not be paying the extra fees they have tacked on.
They need to work with me on payments I can afford over time, and they need to reduce the amount I owe by reducing the extra fees they tacked on. I also want the harassing calls to end.
|
| 01/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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In XXXX I had a loan from ace cash Express. I couldn't make an payment so I refinanced the loan. Still unable to pay my grandmother and my younger sibling both recieved calls from ace cash Express on XX/XX/XXXX. They were told that XXXX county ( which is the county I reside in ) will be filing a law suit against me and that they will find me. Not giving them a name who called or the reason for the lawsuit. My grandmother has the voicemail saved. So I get notice about the calls and I call them back. They never called me which I thought was odd. They tell me about the lawsuit and tell me to pay it. They said I was being sued for fraud and not being able to pay back the loan. I feel threatened as if they were making me give them money no questions asked.
|
| 12/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
|
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Received a form letter from XXXX XXXX XXXX stating I have a serious delinquency with a loan company and legal action is being prepared. Due to the dollar amount being over {$100.00}, they have noted the account as possible fraudulent activity and malicious intent to commit fraud. I have never used this loan company ; I have not worked for the employer they state as being on the application in over 10 years. There is no reference of contact to dispute the debt, other than a phone number demanding a full payment ( payable to XXXX XXXX XXXX ). Failure to make the payment could result in a summons to appear in court.
My only recourse thus far has been to contact the loan company to verify if I have an account ; no account on file ( ACE Cash Express ).
|
| 08/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.
|
| 07/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
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In the month of XX/XX/XXXX, I applied for a payday loan with Ace Cash Express. On XX/XX/XXXX, I received an email stating I was denied for the loan due to " poor loan performance with us ''. I have never obtained a payday loan before, and I have never applied for a loan with Ace Cash Express. I immediately began to think my identity has been used to obtain a loan. I reached out to customer service, and was advised they would not be able to look into why that reason was emailed to me. I explained I need to speak with someone, and customer service directed me towards a corporate email. I emailed the corporate email and never got a response. Till this day, I have yet to hear from Ace Cash Express on my identity fraud issue, if their is any in place.
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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Called from XXXX. On XXXX I was told by someone I was being sued and someone was coming to serve me with papers. I asked what this was about and they said they can not see anything and I would have to call this # to find out more. The # was XXXX. I called and they said they were called national. The person I spoke to was a XXXX XXXX. I tried to set up payment with the company but after not receiving any kind of information by email confirming anything I did not pay the company. They said legal action will be taken against me. The rep I spoke to was named XXXX XXXX. The rep refused to tell me the whole name of the company and only said they are called national. I asked if they were a debt collector and they stated no they are a proceedings office
|
| 10/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.
|
| 10/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.
|
| 10/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me
|
| 01/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I received a collection letter in the mail from Ace Cash Express for a loan that was fraudulently taken out in my name. I have contacted the company and am in the process of filing the necessary paperwork to declare the loan fraudulent however the ease at with which the perpetrators executed this fraud is highly concerning as suggests that Ace Cash Express did not conduct even the minimal amount of due diligence on this extension of credit. My individual credit score is over 800 and have absolutely no outstanding debt do so it makes zero sense that I would seek a pay day loan. This is an obvious red flag for identity theft. This is evidence that Ace does not have even minimal know your customer processes and lax controls on extending credit.
|
| 09/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
Hello Staff.
On : XX/XX/2019, ORG BILLING ( XXXX ) ( app : XXXX ) Ref. # XXXX Paid in full : {$550.00} Bal. : XXXX I was told to complete the process using the XXXX. I wasn't mail or contacted for me receipt of transaction showing processed and complete.
I went into store location only to be told to follow up with these people. Well they headed up process number two. Text me a paid in full letter, only to find out that it hold no value unless process completed through corporate. Who is corporate at this point I said. No one seem to know how to assist me with the closing is f this matter in full with these folks below : XXXX XXXX XXXX XXXX.
Doc ID : XXXX Acct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX : XX/XX/2019
|
| 05/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I'm getting numerous of calls from this company thru out the day and they aren't very nice calls either. I stated I will pay but I'm still getting harassed and getting called out my name more then once. I asked to speak to a manager and just got switched to another representative. This company is very unprofessional and something needs to be done because I shouldn't be called a XXXX in any shape nor form. I literally been getting calls from this company since XX/XX/2021 all the way up to today which is XX/XX/2021. They said they mailed me a letter but had the wrong address and all I have is voicemails that they left after I told them I'll pay and somehow we got disconnected and I do Security so after I got off I was every name in the book.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On Monday XX/XX/2021 at approximately XXXX XXXX, I received multiple phone calls to different family members phone numbers from an unknown number trying to reach me. There was no company name mentioned in the voicemail, only a phone number ( XXXX ) When I called this company back, they told me that I had a debt and when I requested a validation notice through mail that I did not receive, an employee supervisor named XXXX XXXX stated that they can not send me another validation notice because they simply do not have time and that the Fair Debt Collection Practices Act does not apply because I am in the pre-legal stage. I am being harassed and not being told or made aware of my right to dispute this debt. The companys name is XXXX XXXX XXXX
|
| 02/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a loan for XXXX and paid back {$2100.00} then the company tried to take another {$790.00} in fees on the last month of payment installs. I said no, I have already paid back the {$1000.00} plus another {$1100.00} in fees and I was not made aware of another {$790.00} in fees until the last month. I stopped payment on my checking account because of this. This is over 500 % in fees to pay. This loan was from 2014 and I have been getting harassing and threatening calls ever since from various collection agencies and such and now they are trying to get another {$3000.00} from me! Telling me they are taking me to court, reporting my social security and even hitting my credit score in a negative way. I need for this harassment to stop
|
| 05/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A person by the name of XXXX XXXX working for a company by the name if XXXX XXXX XXXX contacted my family members about an urgent situation and stated to have me call them back. I was not read the fair collection rights statement and the company stated they would not be able to verify the supposed debt and that I would soon be given a summons to appear in court. My current address is public knowledge and I have not received anything from this company ( yet she stated I have " received certified letters '' from them at this address which is entirely false. If they are in deed a debt collection company, they have violated many laws. It is my gut that this company is attempting to scam people out of money and should be put out of business.
|
| 05/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a call at my work place today XX/XX/XXXX from XXXX XXXX XXXX ref # XXXX. They stated that I took a loan out with Ace Cash Express on XX/XX/XXXX. They did not tell me the amount. I have had to previously dispute a payday loan with Rise. I had to file a claim of fraud and send it to them to dissolve the issue. This is the first notice I have had of any debt owed to Ace Cash Express. I was then called by XXXX by XXXX who threatened to come to my work to serve me with court papers. I have not taken out a payday loan in over 10 years. They did not care that this was not taken out by me. I was told that I either had to pay the debt or they were taking me to court. I informed them that I was filing a complaint with CFPB and the FTC.
|
| 05/15/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.
|
| 03/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to XXXX or XXXX XXXX XXXX Possibly Called XXXX XXXX As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an Ace Cash Express pay day loan. I had been paying on this loan and the place was just XXXX. Ace Cash express never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the stress I endured. They called from XXXX XXXX XXXX
|
| 01/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I keep receiving emails that I owe money to ace cash services for a {$500.00} loan that I never applied for nor accepted theyve threatened me with arrest seizure of my stuff court case lawyers legal fees threatened my financial stuff and these emails have come from two totally different people from two different states but any time Ive replied and asked they say ace cash I called ace cash this morning and they talked to me over the phone and said that I dont have any loans through them nor do I owe them any money what so ever. I googled this and it seems ace cash has a possible scam or that people have been impersonating them they told me with my name and email I had no loans through them because nothing popped up on their end.
|
| 05/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American, Servicemember |
|
XX/XX/2019 I was looking for an installment unsecured personal loan. XXXX XXXX from ace cash Express sent a verification form link to my email. It was actually a XXXX form which didn't redirect me to a website. They asked for my bank username and password for verification. I don't give that kind of information out, nobody should. So he called and I missed it. I called back and talked to XXXX at XXXX-XXXX-XXXX a XXXX XXXX Texas number. He kept trying to get my username and password. I told him I didn't need a loan that required that. Later a phone from California called from XXXX-XXXX-XXXX. He had a strong XXXX accent but could understand he was ace cash Express trying to get my username and password again. Hung up on him.
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My ex wife was contacted by XXXX XXXX XXXX with an urgent message for me to call them In regards to a legal matter. When I called them they said I owed {$2200.00} for a loan I got from ACE Cash Express back in XXXX and that I was going to be sued for writing a bad check. Thru tried to get me to settle the matter for {$1300.00}. They had my birthday, SSN and email address. I told them I would call them back after I looked into this. I did not take out this loan. I called them back after doing research on their company and saw that they have had numerous complaints about this issue. I left a message for them to call me back, stating I was going to file a complaint with you. Im not sure how they got my info or my exs number.
|
| 01/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.
|
| 02/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.
|
| 02/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I applied for a loan from ace cash express on XX/XX/2015 I was approved and received my money. I don't remember the exact amount, but they are saying I owe XXXX now. They call me repeatedly 19 times in 2 days. I've offered to make payments on my time with what I can afford I work part time and make XXXX an hour working 15 hours a weem paid every 2 weeks and plus raise my son. They told me they have me on video, which is wrong I applied online, and that I drive a black XXXX, which is wrong. They tell me they will use me, take me to court and make sure my son get taken away. I'm XXXX off over this I understand I need to pay it and I will buy I refuse to let my son not get his daily nutrition over a payday loan payment.
|
| 01/20/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I have called Ace Cash Express they have no record of this payday loan and when I call corporate no one answers and no one can give me any information about this payday loan. Please I need this to be deleted off the state data base because ACe Cash Express is the one that filed to the florida state data base that this payday loan from XX/XX/2006 has been unpaid. This is incorrect please help I have filed a complaint already on the Florida office Finacial I get no response from anyone they cant tell me anything all I know is I need this to be deleted of the Florida state data base ACE Cash Express inc ( Also known as Populous Finacial Group, inc XXXX XXXX XXXX XXXX XXXX XXXX Payday loan XX/XX/2006 Amount {$500.00}
|
| 05/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX XXXX XXXX XXXX to settle and resolve my loan Dept account.
Customer ID:XXXX.
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept.
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account.
To set up and settlement agreement to resolve my loan account
|
| 08/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years past due.
|
| 10/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. I learned in XX/XX/2020 that my personal information was used to attempt to open an account at Ace Cash Express and therefore place a hard inquiry on my credit report. I first called in XX/XX/2020 where I was told they would take care of it in the next 7-10 business days. When I called back in XX/XX/2020, they said that whoever I talked to in XXXX was incorrect and that I needed to write them formally via USPS ( the only company of several that asked me to do this vs taking my directive over the phone after verifying my identity ). I sent them a formal letter along with an Identity Theft Report from the FTC on XX/XX/2020. Almost 6 weeks later, I have yet to hear back from them.
|
| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received loan document from ace under item number XXXX dated XX/XX/XXXX stating past due amount due XXXX Break down listed as, principle XXXX, interest XXXX and fees XXXX last payment amount XXXX on XX/XX/XXXX from loan dated XX/XX/XXXX.
I only borrowed XXXX with XXXX taken biweekly. I have almost paid back loan amount principal and now they are stating i owe them an additional XXXX?? Additionally as you can see from last payment date this is harassment. They also harass my phone. Im not sure whats going on. I would not have signed up for this or anything where my payback would exceed {$6200.00} on a {$2000.00} loan i took out a month and a hald ago. I dont understand this or the fees. This seems illegal.
|
| 12/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Back in XX/XX/XXXX per Ace Cash Express I took out a loan, I feel very confident that this loan was cleared, but they had a law office call me 4 times today XX/XX/XXXX harassing me and threatening me stating that Ace was suing me for default and failure to pay back the loan, stating that I was being sued for over {$4000.00} on a loan that was less than {$500.00}, I was financially in a very tight spot at that time and was not ever made aware that this was to happen. Please help as it has been over 2 years and they are now here it is XX/XX/XXXX and they are threatening me and would not identify themselves until I gave them personal information I feel very threatened and my privacy has been violated please help
|
| 10/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I have an installment loan with ACE cash. I went on loan to pay more than my upcoming payment. I had done this in the past without issue. The online payment page tells you to cancel your upcoming payment, to make a higher payment. Then refuses to allow you to do so. I called to make the payment but was not allowed to, however could pay the loan in full. When I called to do that a few days later my pay off amount went from XXXX to XXXX. Ace has made it next to impossible for me to pay this loan. When I asked for the corporate number they refused to give it to me. I am so upset by this company! It seems as though they want to make it hard for you to pay, so they can charge extra fees and interest. Please help.
|
| 12/14/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!
|
| 03/22/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.
|
| 05/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX
|
| 05/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
On XXXX XXXX at XXXX XXXX my account was debited for {$1200.00} from Ace # XXXX ( Ace Check Cashing ) Which to my understanding is in California. I live in XXXX Florida and I have never traveled to California. I have reached out to the institution to inform them of the unauthorized debit from my account and they advise my claim was denied solely on the fact that their associate verified my identity which is highly impossible I have filed an id theift report with my local police department regarding this matter. I asked the customer service team was any video footage pulled regarding the verification their only rebuttal seems to be that they believe there associate did the correct verification process.
|
| 10/03/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.
|
| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I started receiving calls from a company that claims to handle debt collection for ace cash express. This number XXXX first called and then said they are trying to locate me so they can arrest me then they gave me a fake case number for a civil case in my local court and said I had 30 minutes to contact this number XXXX to pay to avoid being arrested they have been told to stop and wont give any information as to where they are located so I can send a letter to have them stop calling me. Based on what Ive found online is that this company has been sued previously for doing exactly what they are doing now, also the numbers given appear to be spoofed. I have attached a voicemail from one of the numbers
|
| 10/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I owe this company a debt and they have my correct contact information on file, including my direct work extension. Today they contacted a work number that is not listed on my account and disclosed the reason for calling. This put the person answering the phone in a position to be harassed about a debt they do not owe. Calling my job in this manner also constitute personal harassment. I asked the person how they got the number they called and they stated that it was an automatic dial and that they did not dial the number. This should not be possible without some deliberate tactics. My main concern is calling another person who has nothing to do with the debt I owe and harassing them to speak with me.
|
| 08/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2018 my bank account was debited by acecashexpress.com 3 times for a payday loan I wanted to pay off. The company charged me {$900.00} for a debt of XXXX. Due to the companys actions, my account has been short XXXX which has negatively impacted my funds available. I have also suffered multiple overdraft fees due to this company 's error. Working with the company to resolve this issue has been difficult to say the least.
Today ( XX/XX/2018 ), the company sent me notice that they in fact made an error on my account. They Company stated that they will refund the {$60.00} they have taken in error in 24-48 hours but would not address the overdraft fees accumulated as a result of their mistake.
|
| 11/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
i applied for a small installment loan from.what i thought was acecashexpress and i got an email stating i was approved with what looked like official letterhead even a pic of the license with an approval number and a name on it. i called they explained the fees to me than asked me to.fully verify.my social, my debit card and bank acct. they say theyll call me back i than get a call from my bank who.said someone called in 5 claims about 5 different withdrawals luckily the lady at bank found it suspicious and tried to.further verift this person acting like me and told them they needed to go into a local store.they did.call back and told me they were workin on it except this time i recorded the.covo
|
| 08/28/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent.
When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter.
I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was contacted via phone in regards to a loan I owed for a pay day company ace cash express. However Im not able to pay the entire amount in full but I want make arrangements. The company has been calling me and harassing me that they are going to take me to court because I havent paid. But I have not received anything in writing in regards to the loan. Or have been notified via email just by phone but now threatening me that they are going to call my supervisor and let them know the loan and everything. I never said I dint want to pay them back I just need time to pay them since Im no longer working. But they already called a friend letting them know about my situation and thats very personal
|
| 09/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
An unknown number called me today XX/XX/2019 at XXXX and left a message to call them back at ( XXXX ) XXXX. After calling the number the guy on the other line stated that he was an attorney and I was going to be sued and served papers to my home and or workplace on a specific date if I did not pay in full. He asked if I was trying to commit fraud and had all of my information without my permission. I have contacted the company to dispute the information and feel that I am being pressured to pay when I do not have the funds. They are trying to get a third party debt collector involved by saying they are attorneys when they really arent. Threats coming to my home and workplace is very concerning.
|
| 11/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/31 I received a voice mail from a man that never stated what company he was with and threatened legal action. A few minutes later my father called and said my mother received the same voice mailx then the receptionist at work came in my office saying the same thing. I called the number back and the lady that answered would not give me a name of the company she was with. She stated my case was being processed to file suit against me on behalf of Ace Cash Express. She gave me an outrageous amount yet gave me an offer to settle out of court.
She stated that once it was filed I " would be located and prosecuted ''. This intimidation and calling my family and work is beyond unacceptable.
|
| 04/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.
|
| 12/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2021, I applied online for a XXXX checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN { {$100.00} } ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. Therefore, I respectfully demand that Populus pay the bonus of { {$100.00} }. Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus.
|
| 04/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
About two or three yrs ago. I have paid this company my loan and have paid it in full amount. Last and today XX/XX/18 I called XXXX XXXX XXXX XXXX at the near by store and the clerk told me that I have not paid my loan in full. I told them you have to call these number so I did XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ask collection why they have not cleared me out of their system that I have paid off my loan. The woman at the XXXX XXXX said it was not them that collected the money from me it was another collection agency that were handling my bill.
I was told to call them. I told XXXX XXXX XXXX that I have paid all the loan. why cant they clear me out of their system.
XXXX XXXX consumer
|
| 07/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.
|
| 04/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX XXXX XXXX has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as XXXX XXXX XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it there is a XXXX XXXX XXXX XXXX lawyers in XXXX but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.
|
| 09/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
ACE Cash Express used XXXX tactics to gain money for a debt. They harassed us over the phone, they had a phony law firm call us and threaten us with legal action and thousands of dollars in legal fees if we did not take action immediately. They said they were XXXX XXXX XXXX .... the only " XXXX XXXX XXXX '' is a personal injury firm, irrelevant to collecting debts. They sent us fake documents stating that legal action will be taken if we don't email them the documents back signed. They only received {$200.00} from us before we caught on. In XX/XX/2014 there was a settlement against Ace cash express for this very same thing. Im here to inform you they are continuing their XXXX tactics.
|
| 01/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Back in XXXX I was asked to pay {$300.00} to settle the loan to be paid for by XXXX gift cards which I did this in 3 monthly payments of {$100.00} they stated they would send a payoff letter but they never did. Then they started sending emails threatening to have me arrested and put in jail for violation of federal banking regulation. Collateral check fraud. Theft by deception. They started sending this emails in XXXX and every so often they would send them the last one I got was on XXXX XXXX and the wanted me to pay them {$190.00} in XXXX XXXX prepaid visa/MasterCard. They keep saying Im not contacting them even though I answered most of the emails. Please tell me what I need to do?
|
| 11/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have fallen behind in my payment schedule with the company. I have made a payment today to reduce the balance. However, the company has called 5 times ( 4 times to my cell number and 1 time to home number ) today from different numbers creating an environment of harassment : Number Time ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Placed to my home number ) ( XXXX ) XXXX XXXX XXXX I was under the assumption that this type of harassment had been addressed during the time when XXXX XXXX XXXX and the CFPB reached an agreement in XXXX regarding the tactics employed by ACE. But it appears that the company has disregarded the agreement.
|
| 12/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I continue to get calls from the offices of XXXX. At first I received a call from " XXXX county courts '' saying that ill be served if I don't call the law office. they then gave me a case number. when I called the courts back they stated that the person didn't work there and they had no record of the case number because it was missing a digit. the case number they gave me when they called me was it I triple checked. then later I called XXXX and they said they were collecting a debt for ace cash express and they made 2 attempts to contact me and now they'll have me arrested.
stressed out I called ace and they said that they no longer had the debt. now I am completely confused.
|
| 12/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I borrowed XXXX from ace cash express my loan was due every 2 weeks since Ive been paying loan the associate XXXX has been giving me miss information on loan. He tells that I borrowed more than what I applied for then tells me Im sorry and then tells me my loan was paid off when it wasnt. I made a payment on loan XX/XX/XXXX he tells me my next payment is due on the XX/XX/XXXX which I have on receipt I called the company they did about it and realized that it was there problem and told me it was a system problem for something that wasnt my fault after I was telling them for days what happen. So now Im taking heat for something that he made error with and this is unprofessional.
|
| 08/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a payday loan from Ace Cash Express and it has fallen into default. I have been unemployed for the better part of the year and have begun receiving calls from someone named XXXX XXXX at a collection agency and when I called back to speak to him, I was told that person does not work at that agency. Then I spoke to someone who said i was being charged over a XXXX dollars in court fees aside from my borrowed amount. I called ace cash and they told me to call XXXX and no one answers I have called so many times trying to speak to someone about payment options. I told the other people XXXX XXXX to stop calling me and they have kept calling me and will not leave me alone.
|
| 01/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received repeated phone calls from a blocked number. They finally left a message and asked me to call a phone number. They even called a family member and stated I was being taken to court. When I called the number back, I spoke with someone who said she was with XXXX XXXX and I was being sued for a debt from 2015. She had some personal information of mine including my social security number, but the bank account she mentioned as not mine. I never had an account with that bank. She said I was going to be taken to court if I didn't pay today. I told her I would not do anything over the phone, that she would need to send something in the mail. At this point she hung up on me.
|
| 08/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.
|
| 12/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is a company that has bought the written off loan. When they answer the phone all they say is business office ... .. They wont give me a name of their company. Just say it's regarding a loan with Ace Cash Express. They call my phone during business hours, if I don ; t answer they call my work and then they start calling old family members, none of which were EVER listed on the application. They did a search of my old address and pulled any number associated with that address.
I have called repeatedly asking for an address to write them a cease & desist letter, and they will NOT give me an address. They want my information, but will give me no information in return.
|
| 10/01/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?
|
| 06/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I had to report my card stolen and report fraudulent activity on my account so I had to receive a new card. When I received my new card I tried to follow the steps to activate it. The only way that I can activate the card is through the app which I can not access due to not having access to the number or email that I had set up the account with. I have called customer support at least 6 times and have been told that they can not help me and that I will have to set up a new account and lose access to the funds that are in my current account. I am on hold once again with customer service as I type this right now. I was already on hold earlier for 30 mins with no response.
|
| 08/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I took out a loan of {$400.00} dollars at the time I thought I would be able to pay the loan. My grandmother passed away and I was in an accident that left me out of a job that same year my dept accumulated interest and they were charging me XXXX XXXX of my XXXX $ loan they processed to Harass me making threatening calls finally they called my mother and told her that this was a federal case and I am subject to go to court I was able to get a number to call when I did call the people were so rude to me threatening me telling me I was being sued that they would see me in court. They didnt give me much option now they are taking out XXXX from my paycheck for 4 months.
|
| 05/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have received multiple phone calls to my place of work. 7 calls came to my place of work in a matter of 3 hours. When I reached out to XXXX ( the individuals making the calls ) to ask that they contact me by cell phone and email only, t hey threatened to show up at my job to serve me papers. They attempted to speak with several of my co-workers about the issues which is a breach of privacy. I attempted to speak with XXXX and they informed me that it was an outside firm making the calls. I was not able to reach a solution because the representative would hang up on me. ( 4 times ). The only contact information I have for them is XXXX XXXX and a phone number XXXX.
|
| 10/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Received a call from a collections agency on XX/XX/2021 stating I owe {$2400.00} in late fees and interest from a payday loan from AceCashExpress on XX/XX/2021 which the original payday loan was for {$940.00} ( # XXXX ) I was first told it was done online then in person at a store front at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never lived let alone took out a loan with AceCashExpress or any payday loan company. Never received any Mail notification because the person who used my info gave a false address. Not sure how my number was obtained either after 8 months from the initial loan. Again, I never took out this loan and my personal info has been compromised.
|
| 01/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
These dates I paid for a XXXX loan in the amount of XXXX each : ( origination date : XX/XX/XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and I was notified that the document I signed online required 5 payments with the 5th one being due on XX/XX/XXXX. I called Ace cash express concern about cost of loan and asked them why I was making 5 installments in the amount of XXXX for this XXXX loan. They told me it was fair because I could have paid it off at anytime without further interest charges, however, if I had that much money I wouldn't have borrowed money in the first place. My question is, " Why is this not predatory lending, trapping the poor? ''
|
| 07/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I began getting really harassing calls by ACE Cash Express, but it turned out to be a person working on behalf of them threatening to sue me and saying that I will be subpoenaed within the hour and all my bank accounts frozen. Then she was extremely aggressive to take payment and I told her I cant afford to pay off the loan. She then said my only option was biweekly payments of {$470.00} which is outrageous and I cant afford but of course I accepted because I cant afford to pay lawyers and go to court. I just want to make lower payments but she didnt care to listen. If theres anything that can help me please let me know, I could barely afford food right now.
|
| 12/20/2015 |
No |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
I went to ace cash XXXX in Minnesota .... To cash money order ... XXXX One person only there ..the person told me to sign it n give social ... .then came bac saying could not cash ... ruining that money order ... She looked at me laughed n said sorry nothing I can do ... she then later a few days ..that she had expressed to another coustumer that I was there to cash money order but could n't and I caused a science ... which was not true ..I feel like my private info was told n discussed and a person came n told me about that ..I was like how did u know ... .was said XXXX XXXX working there told her ... .how imbrassing n my rights have been violated., ... ...
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX ace cash Express XXXX XXXX and a numerous others. Please as she remove these negative items.
|
| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I identified a fraudulent credit inquiry on my XXXX report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as ACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 CUSTOMER XXXX via XXXXACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. XXXX will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.
|
| 06/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.
|
| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
On XX/XX/XXXX, after receiving notification of a person fraudulently applying for a credit card using my information, I placed a fraud alert on my credit with XXXX, XXXX, and XXXX. On XX/XX/XXXX or XX/XX/XXXX, ACE Cash Express granted a fraudulent payday loan to a person using my name, date of birth, and social security number. The funds, more than {$2500.00}, were deposited into someone else 's bank account. The fraudster used their own bank account number, home address, and driver 's license. The customer service representative stated that the loan did not go through the usual verification process before it was transferred to the thief 's bank account.
|
| 02/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ace cash has use lawyers to contact me and family members i put on my app about this payday that I was not able to repay and have spoke me on the phone about being taking to court and just today XX/XX/21 they use a law firm and others to contact me and a film to call my family so my question, if I can't pay this can they keep calling and calling family members on a payday loan, that not even banks does that to people so why are they allow to do this please let me know what my best way to handle this since im not able to pay ... and if I feel threaten by this what should I do and who do you contact to really make a difference with what is being done ...
|
| 06/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received recurring phone calls from a company by the name of XXXX XXXX XXXX claiming fraud concerning an ace cash express account. First couple of calls were from New York. The last 20 calls have been from an unknown number.
This message is intended for _______. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning Ace Cash Express account. This matter is directly affiliated with your name date of birth as well.
Gave the phone number to call back : XXXX
|
| 03/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have a {$1000.00} loan from ace cash Express. when they first started to withdraw payment i calculated the fees the were giving me was almost the same amount of the loan {$920.00}. I told them that i have taxes to pay and that i had a family emergency that i wouldn't be able to pay back loan. that I have plans to get with a debt consolidater. Ace cash have told me that they are filing a lawsuit against me. they've constantly harrassed calling my phone and calling my job telling people I work with that they're filing a lawsuit against me. I know its affected my credit. I need them to stop harassing me at my job and constantly calling at my job
|
| 07/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I never gave my permission for Ace Cash Express to run a hard inquiry on my credit report. 4 times in 2 months when applying for credit. I have taken numerous loans out through them and they haven't pulled a hard inquiry every time. There are numerous complaints about this online and it was stated : For anyone who got hit with a hard inquiry without consent I suggest contacting the CFSA, the CFPB, lodging a complaint with The Fair Credit Reporting Act under 15 U.S.C. 1681.
Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018
|
| 04/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.
|
| 01/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Good afternoon, My name is XXXX XXXX. I am receiving constant emails from a XXXX XXXX constantly harassing me over a debt they say i owe to Ace Cash Express. I have called the company and they say that i do not owe any debt. I have received SEVERAL threatening emails from XXXX and his associates regarding this debt. They are using abusive language and threatening jail time. I have explained that this debt is not owed according to the confirmation number i received from Ace. # XXXX.
Please help me clarify if i still need to pay this already settled debt as i am having severe mental distress over this situation.
Respectfully, XXXX XXXX
|
| 11/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a loan from ace cash express, was unable to pay loan off and it went to collections. the company they hired to take over the matter is now calling my job everyday and now has my boss thinking that they are going to come to my job and arrest me if i do not get in contact with me. they have left the same kind of messages on my voice mail. if the keep calling i could lose my job. I don't have the name of the company they do not give name, all i have is a phone number to the company as well they are not willing give me a detail itemized list of my charges. they are also saying that the are filling a law suit in the county I am in.
|
| 01/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I was written a check from my former room mate to cover her rent and I wen to ACE check cashing to cash this check. The check was bounced and now Ace is calling me to pay the money back. Its beginning to be harassing and takes minutes from my phone with each call they call at least three four times a day. I dont think I should be the XXXX they go after regaurding this matter it should be the person that wrote the check. I live on a fixed income and I feel like a victim in this case I am loosing minutes and i only have a government phone I use it for my doctors because I have a life threatning illness. I just lost and wish the calls stop.
|
| 10/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
I 'm trying to have my refund settlement check re-issued by ACE CASH EXPRESS, INC.REFUND ADMINISTRATOR. The Date of issue was XX/XX/XXXX which has been over 90 days, due to medical conditions, including XXXX from XX/XX/XXXX thru XX/XX/XXXX I was not able to handle my business. This check was for the amount of {$290.00}. I have called the phone number on my correspondence letter, that my check is attached to, I have e-mailed & wrote a certified letter on XX/XX/XXXX to the Ace Cash Express Inc. Corporate Office. No response from any form of my comunications. My complaint is I want my check re-issued. These funds have been allotted to me.
|
| 06/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
on XX/XX/19 i went to the company and paid my loan in cash and the rep also charged my bank account at the same time. i submitted a dispute with my bank and the company and they won't help me because i don't have the receipt. they have cameras but refuse to check the tapes. even if i had the receipt it would show i paid with the debit card because the transactions were done on the same day. this is the second time this has happened. the first time i got my money back but this time they won't give it to me. so I've paid XXXX on a XXXX dollar loan and they claim i still owe XXXX. I'm about to lose my car because i can't pay my car note.
|
| 05/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.
|
| 09/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
On XX/XX/2023 I made a payment arrangement for {$58.00} for XXXX weeks to pay off the loan of {$230.00}. However on XX/XX/2023 Ace sent an electronic check for {$230.00} to my bank for the full amount after the payment arrangement agreement. I notified Ace on XX/XX/2023 concerning the transaction and was told to send in my bank statement and wait for XXXX to XXXX for a response. I did and they did acknowledge the documents were received. I have contact Ace Express XX/XX/XXXX and XXXXXXXX XXXX still saying waiting until XXXX hours no respond. They have not offer to give me my money back after they have overcharged me. Fraudulently I
|
| 08/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
I took out an {$800.00} loan. I was unable to pay the amount back in full. I made payment arrangements with them for me to pay online. I thought the date started XX/XX/2022 Ace Cash Express took out the {$800.00} plus {$74.00} fee out of my bank account after I revoked authorization on XX/XX/2022.
I did not authorize this payment. They did not tell me this would be taken out.
This caused me financial hardship.
I attempted to take out another loan through them but only pre-approved for {$300.00} and them denied me for my orevious loan being late even though they broke payment arrangement by taking full amount.
Unacceptable.
|
| 12/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a call from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX regarding an account. The account was supposedly a payday loan from XX/XX/XXXX that I did not pay back. However, I have paid back in full all prior payday loan accounts. They could not tell me where the loan originated but they said I could pay them installments of {$590.00} or a lump sum of {$920.00}. I told them I dispute the claim and they said okay, then hung up. They did have my phone number, last 4 of my SSN and my current address. It seems like they obtained information from a previous loan that was paid in full, then tried to claim it was not.
|
| 05/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and XXXX XXXX address only a XXXX XXXX XXXX However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
|
| 09/09/2015 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
Took out a payday loan from Ace cash a check in XXXX XXXX, TX.paid back, then took out another, could not afford to pay back, tried to set up playment plan, they told me I could no longer pay them, the debt went to some other company, that company has been sending me harassing e-mails, threatening to sue me and garnish my paycheck and jail time, I also get phones calls from this phone number XXXX and now they are calling my job from XXXX and being very rude and threatening. I can set up a payment plan, but I do not trust the people calling as when you call those numbers back nobody ever answers!! Please help to what I need to do
|
| 04/30/2015 |
Yes |
|
|
|
Web |
Older American |
|
I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.
|
| 08/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX woke the debt to a company. There phone number is XXXX XXXX XXXX XXXX. They left messages on my phone and two of my family members phone saying that they have certified documents for me. I have the recorded message. The debt is {$200.00} and I am working with the original creditor. This company is impersonating as a legal entity and in violation of the law. I called and they refused to remove my number from their system even after I stated that I was working with the original creditor. I have no idea the name of the company and only know that their number is XXXX XXXX XXXX XXXX. I have a copy of the voicemail if needed.
|
| 10/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called XXXX XXXX and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me XXXX XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened account and had {$500.00} direct deposit on XX/XX/2019 and no {$100.00} bonus has posted to my account.
Terms say : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. ''
|
| 10/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
A man by the name of XXXX XXXX from XXXX XXXX XXXX team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX XXXX to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX****** XXXX legally you need to help with that!!!!
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times.
Ace pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
|
| 10/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Today XX/XX/2020 I received a harassing voicemail from a so called XXXX XXXX from a proceeding office phone number XXXX called and said she is going to locate me and file a lawsuit against me. Told me I cant hide from her and she will keep calling. Mind you this is a third party that bought this debt from ACE Cash express so I called ACE CE instantly after, spoke with XXXX, who was polite and said she is sorry for what this third party is trying to do, she went on to say its a scare tactic, further more she said to ignore it. This was for a loan of {$240.00} She said she will notate my call and to block that number.
|
| 06/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX and they dont want to help me to pay them back
|
| 07/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I receive regular emails from an entity called " ACE Cash Express '' claiming that I owe a loan installment -- see below : XXXX, We'd like to remind you that a payment of {$170.00} is due on XX/XX/2018 at the ACE Cash Express located at XXXX XXXX XXXX.
If you have any questions, please don't hesitate to call us at XXXX. We'll be happy to help.
Sincerely, ACE Cash Express XXXX XXXX XXXX XXXX XXXX, KS XXXX This is a fraudulent claim because I have no loan from ACE Cash Express. I've called the phone number to explain, but I continue to receive the emails. I'm concerned that this may be affecting my credit rating.
|
| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Hi I received an email from ACE Cash financial Group inc saying that if I didnt pay a certain amount they would take me to court. But I never applied for a loan from them. They have all of my information and say that I owe {$1000.00} and that if I dont work with them I would be taken To court. They first emailed me on XX/XX/2020 and have sent more emails saying how much to pay for them to keep me out of court. Again I am saying I never applied to get a loan with them. I did end up paying {$200.00} cuz I was scared but then realized I didnt recognize the company so anything you can do to help I would appreciate it.
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX have been harassing my dad and auntie throughout the day. This company also tried to tarnish my reputation by calling the receptionist at my job and telling them that I was in trouble and someone was on their way to deliver documents for me to sign. This is embarrassing for them to go around speaking about me to my coworkers and family. They called my company on several occasions with the most recent being on XX/XX/2020. XXXX XXXX XXXX could not produce any proof that I had a debt with them. However, these harassing practices are inhuman, especially while we're dealing with a pandemic ( COVID-19 ).
|
| 01/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX with my XXXX kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.
|
| 05/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years.
They tell my friends and family members that I have a pending case against me and will be going to jail.
When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on.
I need them to stop calling friends and family members.
|
| 06/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XXXX XXXX today received a phone call from a company called XXXX who works for ace cash express. And apparently are wanting to contact my place of employment and i told them i at work when i was called. Being told i was being sued for {$130.00} was insane. Im a XXXX vet and its hard enough to not have to deal with people like them. They wan na go to court very very pushy. The company XXXX keeps pushing for information to send paperwork employment my home. Ive gotten emails in the past about this same situation and i know that they can not tell my employer about this either. Going to court for XXXX $ is insane.
|
| 04/15/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
unlawful unfair abusive tactics to collect a consumer debt in iaw the [ fdcpa ] the are using legal jargon saying they need me to call back immediately to give tracing and location info to serve civil notice about some kind of litigation they have that never happened creating a false sense of urgency.they called my brother and told him all the details about my loan and ask him could he pay something on the loan.also, on XX/XX/2017 I received a recorded message about some reference number at XXXX at night waking up every one at home.i sent them a cease communication letter in XX/XX/XXXX but they just ignore it.
|
| 11/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express.
I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX.
Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX.
I am concerned that this correspondence is a scam.
|
| 01/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The debt collector had been harrassing me and my family. They threated to take me to court, guarnish my wages, and they even threatened to go into my sisters house to look for me. Sadly, I agreed to pay them in two payments which would take care of the debt. This account was supposed to be paid in full since 2019 but no letter or email was sent in regards to this account. I've tried many attempts to contact this company but all I have been getting is " call back tomorrow ''.
XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00} XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00}
|
| 02/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2020 I received a frantic call from the mother of my nephew who said that some lady had just contacted her to tell her that i would be arrested and that charges would be brought out against me at XXXX county if i didnt call them. Then i called them back i was transferred to a guy and he said three charges was being filed against me by ACE CASH Express unless i pay them {$140.00} dollars. This caused so me so much stress and made me so afraid. So i quickly called around and ask my family to let me borrow the money and made the payment because he said i would have to pay XXXX dollars in legal fees.
|
| 09/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.
|
| 11/29/2016 |
Yes |
|
|
|
Web |
|
|
Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.
|
| 09/06/2016 |
Yes |
|
|
|
Web |
|
|
I received an email from a law firm yesterday XXXX stating that I have an outstanding balance with ACE Cash Express for {$850.00} which is the settlement amount. It notes that I am being sued by the court. I called Ace Cash Express and I am not in their system at all and this is probably a SCAM.
The law firm is located in XXXX and the Sr. Officer 's name is XXXX XXXX. In the email which I will attach as a document, says that I am to only respond by email and the call back number for XXXX XXXX is XXXX.
I have contacted the law firm in XXXX regarding this matter but no response yet.
This is ridiculous.
|
| 01/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I got a call from XXXX ( XXXX XXXX XXXX. I called the number to see what the call was about. The man I spoke with did not let me get a word in, I explained that this debt was paid and it reflects on my bank statement. This same number has called my mother and aunt several times. I tried to talk with this place to get to the bottom of the issue and they are very aggressive, and yell in the phone and ultimately end up hanging up on me. They REFUSE to express who they are or provide proof of the debt. They refused to give me an address or a name to the company yet they continue to call me. Please help!
|
| 04/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Loan taken out XX/XX/2018 for XXXX.Payments have been paid on time, paying more than actual payment due. Per receipt balance was less than 122, called today to let the company I would be in, I was told the balance was over 200 dollars.The rep at the store had no clue as to why, so I called the corporate office. Although more than 500 dollars has been repaid this company is charging over 140 a month in fees, instead of one more payment the company is now stating regardless if more was paid than due, which should make the payment less, they continue to add interest daily to keep one in the whole.
|
| 08/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I went to Ace check cashing store # XXXX to cash check she said she was out of money but she could give me XXXX and put balance on card i agreed she put XXXX in 10 min XXXX was being taken off card in XXXX XXXX XXXX while I was still in store in XXXX as soon as I swiped my money was taken before I left the store reference number Ace flare account my money was stolen by Ace check cashing I never use the card as soon as I swiped and loaded the card money was stolen. This happened at the XXXX Ace on XXXX in California. Dont use these check cashing for money transfers they are fraud transactions ;
|
| 06/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received a call from a third-party debt collector back in XXXX in regards to a payday loan from ACE advance. The third-party collector called saying that I had make payment arrangements for my outstanding debt or they would take me to court. I made the arrangement to be paid on a monthly basis. The company took 3 months worth of payments but they are now claiming that they can not process my 4th payment. They have been trying to get in contact with my employer payroll on several occasions. The last person to contact my employer regarding garnishing my pay was some by the name XXXX XXXX XXXX.
|
| 07/29/2016 |
Yes |
|
|
|
Web |
|
|
I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.
|
| 02/22/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.
|
| 04/22/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.
|
| 03/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Called my work and said they were the courthouse and that I owed money. Once I got on the phone the woman said I never paid anything to ACE, when in fact I did. I said to please send me a statement by mail so that I can review this claim. I was told it was too late for that. I was told if I pay now that I can pay less for a settlement. I said let me know the name and address of your collection agency and that I would get back to you. She refused and said I dont have time for this. She gave me a number to call back, but didnt give me a name. I told her I was reporting her then she hang up.
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Ace Cash Express continues to call my business cell phone asking to speak with " Mr. XXXX ''. I have repeatedly told them that this is an incorrect number for " Mr. XXXX ''. I do not know who " Mr. XXXX '' is and I have never personally used the services for Ace Cash Express. I have repeatedly told Ace Cash Express phone representatives that they do not have the correct number and to stop calling me. They continue to do so and the phone reps tell me that there is nothing they can do but put a note in the file. This has been going on for months and months and they will not stop calling me.
|
| 03/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A case manager from this company called and left voicemails for 4 people in my family leaving rude voicemails for the ones that didn't answer and rudely talking to my aunt who unfortunately did answer. I called the number they all gave me to figure out why they called my family. Well when I get on the phone with said case manager at XXXX I ask why he contacted 4 people in my family he then proceeds to yell loudly at me and call me and my family a liar even though my little sister who lives with me played the voicemail on her phone not 10 minutes before. These people are rude and obscene.
|
| 10/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a call on XX/XX/2019 stating lawsuit would be filed against me in XXXX County for debt, and attempting to defraud a financial institution.
They also called my father on XX/XX/2019.
I called back number XXXX where I was told they would need to speak to " in house counsel '' to see if I could have a " deferred lawsuit '' since I am out of work on short term XXXX. They arranged payments of {$160.00} to pay off the almost {$700.00} owed.
I did not research until after speaking to them and providing my debit card info that this was likely a scam or illegal for them to do.
|
| 02/03/2016 |
No |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
I was awaiting a check in the mail. I received an email stating that the check had already been cashed. They emailed me a copy of the check with a my signature forged. The person that cashed the check cashed it at ACE Express on XXXX XXXX in XXXX Texas. Prior to her cashing the check at that location she went to another Ace On XXXX XXXX and was not allowed to cash the check because she did not have an identification or drivers license. So to shorten the story she was allowed to cash my check without Id and I am still waiting to receive my money as well as speak with someone with Ace.
|
| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Yesterday. arepresentative from XXXX XXXX XXXX contacted me regarding several complaints filed against me. He said that I had two felony counts, one being check fraud. I told him that I would not pay anything without written notice of the debt. He went on to say that this is my only chance to resolve it and if I didnt want to talk to him then they can proceed further. Said that they would contact my employer. I told him that I do not give him permission to contact me or my employer without proof that the debt was owed. I received a voicemail today threatening to contact my employer.
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A company called me stating they were XXXX XXXX XXXX and that they were sueing me over a XXXX dollar debt. I asked if they were collecting the debt they said they are going to take it to court if i did not pay today. I was never given my memorandum of fdca and when i said yes i will pay the debt they asked for me credit card. I asked them what their conpany address was and if they were a government agency. They did seem to be legit and where trying to scare me. I recorded the conversation and have evidence they tried to collect a debt without following the fair debt collections act.
|
| 01/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I received a letter dated XX/XX/XXXX that says I was past due on a pay day loan taken out on XX/XX/XXXX. The letter stated that {$1800.00} was outstanding and due. My husband passed away last summer and therefore neither he nor I took out this loan. I called ACE Cash Express and they explained that this loan was taken out online. I called again with my brother the next day and they refused to provide any information about the loan including where the money was actually sent. My brother informed them that the call was being recorded and they still refused to provide any information.
|
| 08/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The loan in question, unfortunately defaulted. I had made payment arrangements with the collection agency after being threatened with a lawsuit. The payments now are being taken on a different date than originally agreed upon causing me to fall behind on more bills. I have Attempted on multiple occasions to reach them via telephone with no success. The collection tactics used were unnecessary. I was threatened with a lawsuit and advised that my employer would be notified of this issue. I was also threatened to be served with the lawsuit papers specifically at my place of business.
|
| 12/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a call on XX/XX/2020 claiming there was already a case being brought against me in XXXX XXXX and that I would need to contact the debt collector 's legal department. They also threatened to contact my supervisor. I called the company and the woman I spoke with said I either had to pay an amount that is greater than what I owe during that phone call or I would be sued ( despite the earlier phone call saying there was already a submitted case ) and I would then have to pay more than double the amount. I have also received no written communication about any of this debt.
|
| 08/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX.
I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.
|
| 02/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Multiple voicemails were left with various people, those voicemails included, name, DOB and Social Security number. When I called the number that was left to me, they stated they were a law firm, and that I had to take care of the debt today. If not taken care of today ( XXXX ) I would be prosecuted for three times the amount of debt. They didnt offer any time and told me they werent a debt collection agency that could be set up with any repayment plans, that it was a law firm that was given me till end of day to repay for face legal action for various fraud charges.
|
| 10/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.
|
| 04/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX
|
| 12/23/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.
|
| 02/06/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES
|
| 01/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
In XXXX I performed massage services to XXXX XXXX XXXX he payed with check didnt want to put massage so he wrote birthday and rent in the memo ace cash express called the bank and verified the checks and after confirmation cashed them, I recieve a call today 5 years later informing me that ace cash express made 2 complaints against me and are threatening to garnish wages from me in order to secure payment yet there is no legal action taken against me by me XXXX apparently he didnt have the funds available even though they were verified by phone by the teller at ace
|
| 07/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.
|
| 08/03/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I am inquiring about a payday loan I had with Ace Cash Express between XXXX XXXX XXXX XXXX XXXX. I was informed that if I took out a loan within the timeframe noted above that I would be compensated due to the XXXX XXXX settlement that you all reached. I want to make a claim because I did have a payday loan with Ace at that time. Can not recall exact date. I do not have the loan papers anymore. I visited the Ace Cash Express on XXXX XXXX in XXXX Co. for XXXX dollars and was banking with XXXX Bank at the time. When and how will I be compensated?
thanks XXXX XXXX
|
| 07/18/2016 |
Yes |
|
|
|
Web |
|
|
I received a call that there will be a warrant out for my arrest of I did not pay a delinquent payday advance loan from ACE cash express a few years ago. I was willing to make payments towards the debt however they told me if I did n't pay half of the full amount or {$500.00} then I will be arrested. Since the loan I have moved a couple times and have had a change of numbers this is the first time I am hearing of this and am being given little to no time to respond or make payment arrangements. Can they arrest me if I did not receive any information until now?
|
| 11/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I RECEIVECED A CALL TODAY FROM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP
|
| 11/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with overdraft
- Overdraft charges
|
|
Web |
|
|
XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?
|
| 08/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have repeatedly requested written information about the debt and made it clear I was willing and able to negotiate the debt if they were able to prove they legitimately owned the debt, ceased to harass me about legal repercussions such as prison, ceased to ask for my social security number over the phone, and ceased to ask for my credit information in email and over the phone. They have never been able to display any kind of legitimacy, and I believe it is a scam, but if it is truly the owner of the debt then their tactics certainly fall under harassment.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I owe ace cash {$300.00} for a payday loan.
Due to financial difficulties I was unable to pay. I explained this to them. Now Im receiving threatening calls telling me they are filing to the court and making this public. Also that they will go to my workplace and speak to my supervisor. They told me they will sue me for over {$3000.00}. This is very stressful I have no money in my bank account to pay. I asked for a month extension they said no because {$300.00} is not a lot. And they will not wait another month to file this. They told me good luck in court.
|
| 06/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received an email about a loan I do not owe via a loan company I paid off years ago and was good standing with.
The email was from ACE Legal Group of Attorneys claiming that the Attorney was XXXX XXXX and that I had to pay or was days away from being taken to court.
I also received another email from ACE also from another loan company I have not seen in years claiming that XXXX XXXX XXXX was an Attorney for that case.
I googled these two and the Law firm and found myself here.
Please inform how they got my email and past loan information.
Thank you
|
| 10/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
They first left me a voicemail saying that if I do not respond in a certain amount of time they will try to locate me. They threatened to call my current employer to find me. They also called my husband stating the exact same thing. I called them back ( XXXX ) and they said they were " compliant mediation '' of some sort tried to guilt trip me and ask me questions like " you did not plan on paying it back didn't you? ''. They say I am being sued by XXXX county and that they will come find me. I have not received any notice by mail that they are doing so.
|
| 06/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email today at XXXX from XXXX XXXX XXXX with the subject line " ARREST WARRANT FINAL NOTICE_URGENT ATTENTION ''. The email goes on to day that a lawsuit will be filed against me in the next 24 hours with a District Court in Florida which is not even the state that I reside in FYI. They claimed they have tried to contact me but I have yet to received some official communication in writing via mail. The email also mentions " If we don't receive any response from your side today, your case file will be downloaded automatically against you ''.
|
| 03/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I rcvd a call on XXXX XXXX that I had made a complaint about to your company XXXX, and after making that complaint I rcvd 2 more calls from the same company and spoke to the same lady. my first complaint # XXXX. In the 3rd call she calls me directly instead of me getting a call and getting transferred to her. She lied about her name and acted as if she had reviewed her 2 previous calls to me and was going to help me make a complaint about it. I have the 3 phone calls recorded. These companies and trying so hard to deceive and bully the people they call.
|
| 08/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
The week the 1st initial payment was due I became very sick. I c as called the manager to inform her of my prognosis. XXXX of my small children were also very very sick. Had been in the ER WITH XXXX OF THEM ALMOST 72 HRS BACK AND FORTH BETWEEN XXXX OF THEM. I HAVE MEDICAL DOCUMENTATION TO PROVE MY WHEREABOUTS AND CONFIRM THE SEVERITY OF MY SITUATION. SHE WAS NOT UNDERSTANDING AND WAS ADAMANT I COULD NO LONGER MAKE MY INTIAL PAYMENT BCZ MY ACCT WAS SENT TO COLLECTIONS. AFTER ONLY 1 WEEK. ABSOLUTELY RUDE AND INCONSISTENT WITH PROTOCOLS AND PROCEDURE 'S.
|
| 08/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.
I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records.
However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.
It is obvious that Ace Cash Express has limited controls over its operations.
|
| 07/12/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Ace Cashing in XXXX Tennessee Store Number XXXX at XXXX XXXX XXXX XXXX Tennessee cashed checks for person/persons using my identity. They cashed tax returns that was filed fraudulently. XX/XX/2014 using wire transactions. XXXX Treasury XXXX XXXX.Check number XXXX {$400.00}. X/X/14-wire transaction -check number XXXX {$650.00}. My drivers linsence & social security card was stolen. Tax returns are being filed fraudulently & the employees with Ace is cashing checks.The last digit on my drivers linsence was changed by an employee with Ace check Cashing.
|
| 09/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have been getting a call starting XX/XX/2020 daily. The debt collector XXXX XXXX could not tell me the company she was calling or the reason for the call but stated each call I will have a case filed against me with XXXX County and they will be calling my job to speak with my supervisor. I also saved a voicemail when she called my XXXX year old daughter trying to locate me for a case filed against me and said that my daughter name and address is the most likely location for me. This totally terrified my child had her thinking I was going to jail.
|
| 01/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I took applied for and was approved for a payday loan, however, I have had an extremely tough financial hardship and honestly couldn't even afford XXXX dollars monthly to pay off my debts. I don't know if I need to explain the whole story. Basically, I am just wanting it to be known that I am going to and in the process of trying to get the situation resolved. My parents have been harassed, however, and they keep attempting to take it out of my bank account without my approval. Please advise on what I can do to get this issue resolved, thank you!
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Ace cash Express Repeat phone call I called back, they gave me a docket # And claimed I owed {XXXX}.
I never heard of this company, I never had a cash express loan. Ive never been to this place, They knew the last four of my SS numbers, I live in NY. They said I have to get an Atty and appear in court on Tuesday but would not tell me where or what court? Or I could pay him over the phone now!!! I looked on line for Ace Cash Express and I see they were barred and fined for doing this robo call operation in 2018 in Texas. I have never been there.
|
| 10/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a payday loan from Ace Cash Express in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.
|
| 05/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I was called by XXXX, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to Ace Cash Express. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me.
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me.
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering illness and unemployment! I have no money to give and am considering bankruptcy!
|
| 06/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
My account was debited on XX/XX/2022, without my permission. I have always went into the store location and paid on my loan. I have NEVER given ACE permission to debit my account. That was also marked on their application. I wasnt notified prior to them debiting my account and I have never missed a payment as scheduled. I do not understand why they went into my in the first place. I contacted my bank and they have stopped the card used with ACE, and are seeking a reversal of fees from them. I just want this all stopped and all fees I owed ended
|
| 02/12/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016.
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan.
If you have any questions please do n't hesitate to call us at XXXX.
|
| 07/21/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
ACE CASH EXPRESS WONT STOP HARRASSING ME AND KEEPS MAKING THREATS TO PLACE ME UNDER ARREST. I TOLD THEM I LOST MY JOB AND COULD NOT PAY OFF THE LOAN, I ALSO ASKED IF I COULD MAKE PAYMENTS, AND THEY SAID NO, AND TOLD ME TO GO GET A JOB AT XXXX OR ELSE THEY WILL PRESS FELONY CHARGES AGAINST ME. MY BANK WAS WITH XXXX XXXX, WHEN I HAD MY ACCOUNT OPEN, I ASKED THEM TO DIFFER A PAYMENT OR FOR AN EXTENTION AND THEY REFUSED AND KEPT CHARGING MY ACCOUNT UNTIL I WAS FORCED TO CLOSE MY ACCOUNT BECAUSE OF NSF FEES. I HAVE NO IDEA WHAT TO DO. PLEASE HELP!
|
| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Servicemember |
|
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I applied for a credit extension and gave them my ssn. Once ace cash express accepted my application they have now entered into a fiduciary relationship with me and have to act in my best interest. Since banks cant loan out their own stock pursuant to TITLE 12 USC 83, where could the money possibly come from. They are obligated to compensate me for the use of my SSN, since I havent received any benefit it is now an unauthorized use.
|
| 04/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I found out yesterday morning that this company was tryin to sue me for a alleged debt. And possible jail time!! I have never received any letters or anything!! Also, XXXX XXXX is leaving threatening voicemails!! And later on yesterday afternoon tht same company called my brother tht i haven't spoken too in 8 yrs & threatened to come by his house to locate me!! I have no idea how they got his information. The first file i uploaded is the voicemail the company left my brother yesterday. The second file is the voicemail they left me today.
|
| 06/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..
|
| 11/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX
|
| 10/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.
|
| 03/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I been tried to be always on time but lately I have been struggle because we gained custody of my grandson no complains on that just money problems all I wanted was an extension for few days until next paycheck that will next Thursday that will be XXXX the XXXX only few day they denied it and that will be get me in trouble with my bank I don't know what to do like right now I don't even know if I still have a job believe me I want to pay I been doing it but they are NOT a very understanding people and a lot of people are on my shoes
|
| 01/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.
|
| 04/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Email received XX/XX/2021 from XXXX Department of Law & Enforcement Legal Notice : Under 18 USC Section 1956-58 : Lawsuit Id XXXX ( Immediate Action Required ) Indicated that I have been blacklisted and that my social security number and banking accounts are under investigation through major credit bureau XXXX.
Sending court papers to a very old address at which I no longer live. All of the information about current employer/phone number, etc. is not current.
I was laid off from that employer at the time the debt was incurred.
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hi, Someone tried to open a line of credit in my name with Ace Cash Express and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to Ace Cash Express. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran.
Thanks, XXXX XXXX
|
| 11/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
A lady named XXXX XXXX called and said I had a case against me and told me that they would take me to court even gave me a case number at the end of the call, told me they were going to call my job and talk to my supervisor about my inability to pay, called my parents and told them about my finical irresponsibility and " wished me good luck '' because someone would come and find me soon. Feel really threatened, like I feel like not only am I a criminal, but made me feel like someone was going to come beat me up and ruin my life.
|
| 11/09/2015 |
Yes |
|
|
|
Web |
|
|
I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong.
|
| 04/20/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I 've made payments to ACE and I 'm being contacted by multiple collections agenices stating a warrant is going out for me if I do n't resolve this matter immediately. i paid one of the callers becasue he called my main desk and told security a warrant is going out for me if they were n't connect to me immediately. then a week later I got called by another collection agency telling me the other was a fraud and I should request a chargeback. I have paid this company three times and keep getting threatensing calls. What do I do?
|
| 02/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.
|
| 10/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
in 2017 i did a payday loan with ace cash express and due to becoming XXXX i have been unsuccessful paying the loan back but every day the company calls my phone harassing me with scar tactics sating they are the XXXX XXXX County and charges are being brought against me it has caused a great deal if stress upon me and im currently facing stressful things in my life today the way this company harasses me everyday is adding the pain of stress that im already dealing with it, i really wish they would not call my phone this way.
|
| 03/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.
|
| 11/20/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
2 years ago in XXXX i was contacted by an office which they did provide informatio. Saying someone would be at my house to summon me for the money owed to Ace cash express, for the amount of XXXX made plans to have a payment plan of 3 payment money was taken from my account. Now today XX/XX/2020 i again get a call saying i will be taken to court for the amount i refuse to pay. Was told court date is XX/XX/XXXX but was not informed where, if i owed i would pay but i fix that situation. Either with a creditor or 3rd party.
|
| 10/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/19 I received an email from XXXX, a collection agency. I asked for a telephone number to call as well as detail in the debt. I was given a name that represents 80 different online lenders. I am not certain of the validity of the debt. I was instructed that I must pay with a XXXX prepaid card. This seems suspicious to me, plus the fact they will not give me a telephone number to call and talk to a representative. When I stated this was suspicious, they sent back an email stating an arrest warrant would be issued.
|
| 08/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by XXXX XXXX regarding a loan from XX/XX/XXXX i gas with ace cash express. They started i owed XXXX. I called ace cash express to verify this info and was directed to a collection agency different than the one that in initially called me. They said it was illegal for anyone to add fees to my debt. The Amount originally Owed was XXXX. XXXX XX/XX/XXXX threaten to file with the state and damage my credit file if i didnt Pay immediately. They contacted me via via phone from phone number XXXX ( XXXX ) XXXX
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have received multiple phone calls from a private number. They advised me to contact them at XXXX XXXX XXXX. I contacted them after the second message was left in early XXXX I asked them not to call me again. They called a again in XX/XX/2020. The messaged stated they would contact my employer, that they proceed without Due Process of Law, and they would find me. They said they are contracted to do this with the State of California and County of XXXX. They said I will have to pay additional court and attorney fees.
|
| 03/21/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Several Times I have received telephone calls at work. One time the caller called my mother and stated that there was a warrent out for my arrest, my mother called in a panic. Then the caller gave my full birthday and social security number, when he asked was it correct, I told him that even if it was he had given out to anyone that answered the call. The second time the caller stated that they have a XXXX County Docket number # XXXX and that if they do not speak with me regarding this loan that I will be arrested.
|
| 10/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I received a call from a lady who claimed to be a representative with Ace Cash Express. She asked me for my social security number over the phone to pull up my account. I do not have an account with Ace Cash Express. And I believe this caller was attempting to steal my identity and SSN. She may have done this with other innocent people. The phone number is ( XXXX ) XXXX. The lady said her name was XXXX. I received the call at XXXX XXXX on XX/XX/2021. She left a message on my phone, which I will attempt to upload.
|
| 05/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company sent my loan to collections, I received a call from someone claiming to be from the county court house. This person stated a warrant has been placed against me for a civil suit with no trial date been set and that I had to pay to avoid court. I told them I needed to do my own research on the matter prior to paying and they insisted I call whoever you want they will make you call us again. As it turns out there is no civil suit and it was just a high pressure scare tactic to get the debt paid in full.
|
| 12/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I took out a loan years ago, and I did not pay it off. I was unaware of this outstanding debt until recently. Today I received an email saying legal action was being taken if it was not paid TODAY XX/XX/2020. I have responded to the email numerous times and called the number listed in the email but can not reach anyone. I did a XXXX search and found that loans through Ace/XXXX have been subject to fraudulent scams like this, so I did not want to move forward with resolving the issue until I know it is legit.
|
| 01/06/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I repaid a loan to ACE Cash Express in 2011, I have not heard anything from them until today, they called me to inform me that their records shows that I have not re-paid the 2011 loan. They say that they have been trying to contact me about this but I have not received anything ( no mail/ no calls ) until today. I did not save my receipt but I know for sure that I re-paid this loan and I am not being credit for it. Please assist me with dealing with this Company that is now threatening me, Thank you in XXXX.
|
| 05/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I recieved a call from a process server about paperwork for a civil suit. I got the law offices information from her. I called the law offices. This is about a payday loan taken out on XX/XX/2010. I have NEVER taken a payday loan out. I have had a title car loan with XXXX XXXX that was paid off in full. The name of the company who sold " my account '' to the law firm of XXXX? XXXX? and XXXX? ( XXXX ) case number XXXX is Ace Cash Express. Again I reiterate that I have not done business with these people ever.
|
| 05/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.
|
| 06/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
Tried of loan company writing to me and treated to arrest me for not paying the amount indicated on the e mail. I keep writing back saying that I do not owe you the money, but keeps sending these letters. That a arrest warrant has been issued.
XXXX XXXX -- -- -- {$390.00} Ace cash services -- -- {$640.00} taken me to court and then {$4500.00}.
XXXX XXXX XXXXXXXX -- - {$980.00} Not license to do business in Washington, but still wants me to pay this.
XXXX XXXX -- - {$1100.00} None of these I owe money to.
|
| 10/21/2015 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.
|
| 03/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received 2 emails regarding a debt, from 2 different companies, each company says I owe a different amount, they both claim to be collecting on the same debt, but they are 2 different companies. I have all the email communications from BOTH companies, and asked for clarification as to which company actually owns the debt and who I should be communicating with, and they have not responded. I am very leery to make payment arrangements when I don't know who actually I should be dealing with. Please advise!
|
| 07/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company had an outside agency which did not disclose there name or number call me and my husband which is not on my loan or a reference leaving threatening messages on both of our voicemails stating they will find me I cant hide they have my SS # and they will find me so I called them and set up a payment arrangement that is for more than what I originally took the loan out for which I already paid I was making the payments and missed one and the lady called leaving the same threatening messages.
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default.
I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department.
They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.
|
| 04/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a loan 4+ yrs ago from ACE Cash express for {$200.00} - {$400.00} and I have been getting threaten calls saying that they will put me in jail for owing them after I informed them I didn't work anymore and I assumed it was paid off because they wrote it off on there taxes also that they took it out of my account 3 yrs ago. That is now closed. They called my family member today and left threaten calls on there phone and continue to call blocked. It's also been taking off my credit report.
|
| 05/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I APPLIED FOR A LOAN AWHILE BACK AND AT THE TIME AND WAS EMPLOYED THEN BUT UNFORTUNATELY LOST MY JOB AND MY HUSBAND WAS THE ONLY ONE WORKING SO WE FELL BEHIND IN BILL 'S SO I WAS N'T ABLE TO PAY BACK THE LOAN RIGHT AWAY NOW IT IS IN COLLECTIONS AND THEY WO N'T STOP CALLING REPEATEDLY THROUGHOUT THE DAY SOMETIMES SAYING NOTHING OR SINGING IN THE BACKGROUND AND MY VOICE-MAIL IS FULL OF THIS MESS AND THIS HAS BEEN HAPPENING SINCE LAST YEAR FOR MONTHS EVERY DAY THROUGHOUT THE DAY AND I 'M TIRED OF IT
|
| 06/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was contacted several years ago about a debt being owed to Ace Check Cashing for a loan I told them that I had never contacted them about alone I've never received the one from them They said it was online Through their Website I Told then that I had been a victim of identity theft And they even said they would write it off as fraud This was charged off in XXXXAnd the collection agency that now has the account received it 2 months agoXXXX XXXXAnd that I was not employed in XX/XX/XXXXj
|
| 10/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
ACE CASH EXP/POPULUS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX THE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Both of these business did a soft inquiry in my name that I did not request. I have never even been to XXXX, TX so I find it very suspicious both of these companies located there attempted to secure a loan in my name without my knowledge or consent. Please let me know what further steps I should take in this matter
|
| 09/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. The case is still ongoing, due to be discharged in XX/XX/XXXX. The case is XXXX. I keep getting harrassing phone calls threatening to sue me, ( I saved one of the voice mails ) and emails detailing how they are going to sue me and I am liable for attorney costs, and giving an amount. Even though I have repeatedly told them these debts are included in the bankruptcy, and even copied my attorney on the emails, they still keep contacting me.
|
| 12/14/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX.
I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation.
Thanks and here are the paperwork needed for my claim.
|
| 09/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.
|
| 01/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...
|
| 04/06/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you?
Please help.
XXXX XXXX
|
| 10/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took out a loan with Ace Cash Express. I was unable to pay on the loan due to garnishment. I continue to receive harassing calls from them stating that I will be sued. In fact, I received a harassing call today from XXXX, using legal jargon that I would be arrested and that someone would be coming to my resident to serve papers. This calls are daily and I do n't appreciate it. I 've tried to work with them serval times before, but I just continue to receive harassing phone calls.
|
| 04/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.
|
| 03/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number.
THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.
|
| 05/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was involved with a payday loan from ace cash express that I couldnt pay back. Ace cash express called me and threatened to find someone from their location services team to locate me and serve me court papers. When I tried to get information about the papers they wanted to serve me they said they only communicated with them via email and their is nothing they can give me. Ace cash express also told me they will continue calling my job or family members until this is resolved.
|
| 01/25/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.
|
| 08/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Ace Cash Express has been avoiding ACH authorization on my debit account and has been debiting checks in my name to their company. They are debiting my account with the checks outside of my original agreement therefore over drafting my account. I am not receiving any written correspondence from this company on the collection of my funds. The company has not been helpful but now I am informed that this is illegal I am trying again to collect my funds from this illegal activity.
|
| 06/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone.
XXXX XXXX # XXXX
|
| 08/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX
|
| 12/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Ace Cash Express is holding me liable for a payday loan account I didnt apply for. The account is fraudulent and an unauthorized pay day loan account. I filed XXXX XXXX bankruptcy with the United States District of Court District of Minnesota Bankruptcy Court. On XX/XX/XXXX all of my debt was discharged under XXXX XXXX bankruptcy in bankruptcy court. I never applied for any payday loan account with Ace Cash Express. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
|
| 02/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I recieved a email from legalcorp on behalf of XXXX XXXX telling me i applied for a loan online which i have but have never been approved for any type of loan online i have recieved a payday loan a couple years back but only for XXXX dollars and i admit have failed to pay them back. But in this email im told if i dont respond today im going to be sued for quadruple what i recieved if this is about the payday loan but again email states i applied online .i attached the email
|
| 01/31/2017 |
Yes |
|
|
|
Web |
|
|
I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.
|
| 08/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.
|
| 09/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again
|
| 04/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call I get about 10-15 phone a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}
|
| 02/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call from a " debt collector '' about a loan in the amount of XXXX When I attempted to gather more information from the agent he because aggressive and started threatening me with jail time and named off 4-5 different charges they were going to file if I didn't pay. I tried to explain I had no knowledge of the loan in question and needed more information. XXXX ( agents name ) then yelled into the phone for me to sign a deposition and they'll see me in court.
|
| 11/12/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.
|
| 09/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I set up a payment plan with the company spoke to someone on the phone 3 weeks ago. They lied to me when and said they money owed could be split into four payments. I said on the phone I do dont want anything auto withdrawn then this Friday the XXXX they withdrew the entire amount with no permission to do so and refuse to reverse the charge leaving me with no money. Saying I agreed to auto withdrawals on an agreement but was told the agreement was the exact opposite.
|
| 01/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I first recieved a text stating I was approved for a XXXX loan and was asked to call the number listed, when I did call back they then asked for my bank acc/routing numbers to send the loan, when I gave them my info they stated that they don't deal with my bank, only other option I had was to purchase a XXXX XXXX XXXX. I use XXXX online bank which is through XXXX, a very legit banking company and so this whole issue strikes me as a scam! I need verification, thanks!
|
| 06/01/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express.
I have never had a loan or any other dealings with Ace Cash Express.
I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.
|
| 06/23/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.
|
| 03/21/2017 |
Yes |
|
|
|
Web |
|
|
I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.
|
| 01/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
They keep on charging my bank account even after I had submitted a stop payment request to my bank, and then XXXX also trying to send me into collections of {$680.00} my loan with them ends by XXXX I even told them I feel vulnerable but they continued on saying well have you put into collections so we can get our money either way and I know thats totally illegal and unethical their practices make it to were they should be shut down for predatory lending.
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today.
XXXX
|
| 04/12/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.
|
| 10/24/2016 |
No |
|
|
|
Web |
|
|
i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.
|
| 07/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I got transferred to 3 different departments on the phone, when I finally got to talk to someone I told them what happened and they said they would escalate the situation to someone in higher power and will be contacting me they never did. I keep receiving emails from ACE cash express saying that I owe XXXX dollars on XXXX XXXX. I began getting the emails on XX/XX/XXXX saying that I made an in store appearance and I havent left my house since XXXX.
|
| 01/17/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.
|
| 09/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.
|
| 02/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have received an email from a settlement attorney on behalf of Ace Express which works with XXXX XXXX. They have stated that if I dont pay the settlement fee of {$450.00} in 20 hours they will file a case against me and I can also receive jail time, which I know is false because they can not criminally charge me of anything. I have looked at several complaints where people have received the same email that I did and I want this resolved now.
|
| 07/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
They took An unauthorized amount from my banking account. I disputed it with my bank and got my money back. I tried speaking with a supervisor about the wrong amount they took and they basically told me I was out of luck. I did not pay the payday loan because of the bad business. They keep harassing me and have threatened to arrest me. Theyre calling family when I have not given them that information nor permission. This is a horrible company.
|
| 06/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I got that loan more than 5 years ago had it paid off refinance then they never took the money that I paid off of my balance so I stopped paying. Then today XX/XX/2020 I received a text saying my payment didn't go through which I never authorized the payment. I called the phone number and ask him to stop calling me. they called me back and told me they were from Ace check cashing and that I was going to go to jail if I didn't make a payment.
|
| 04/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.
|
| 11/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
See Complaint XXXX with Ace Cash Express.
On XXXX, a business only called XXXX at XXXX Representatives name is XXXX ext. XXXX called me stating they were in the process of filing legal action for a debt they had bought from Ace Cash Express. If you look at my complaint number above with Ace Cash Express, it clearly stated they sold this debt to a much different collection agency not XXXX. XXXX refused to mail me anything to verify my debt.
|
| 10/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
THE COMPANY THAT XXXX XXXX XXXX XXXX IS USING AS A DEBT COLLECTOR. IS CALLING ME ... MAKING THREATS ABOUT A FEDERAL LAWSUIT. THEY ARE ALSO STATING THAT I HAVE THREE COUNTS OF FEDERAL CHARGES. THE NUMBER THAT HAS CALLED MY CELL PHONE COME ACROSS MY CALLER ID SAYS UNKNOWN CALLER. BUT THE NUMBER THAT THE INDIVIDUAL LEAVES IS XXXX. THAT I COULD LOSE MY JOB ETC. THE DID NOT GIVE ME THE AMOUNT OF THE DEBT BUT THE DATES STARTED IN XXXX XXXX, 2013.
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XXXX of XXXX I took out an installment loan with ACE Cash Express. I did not know the payments were not coming out of the account until I started getting treating calls from them. I believe I paid off this loan in XXXX of XXXX but can not find my letter of payment ( we moved ) I am now receiving treating emails on my cell phone and at my parents house where I have not lived in over 20 years. They are treating legal action over voicemail.
|
| 04/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect on an account I have no knowledge of I even contacted ace cash express and they stated I am not in their system at all I even went to the ace to see of I can get any information of this account, and they have nothing on me. I asked XXXX can they send me any information that they have, and all they can send me is a bill from them. This is not my account please delete this from my credit report immediately.
|
| 01/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had taken out a payday loan with ace cash express and they put a hold on my social security number and I am wondering if they are able to do that and I got a email from them and the loan happened over 7 years ago and other guy that called my brother home phone number was so rude and didn't even leave a number for me to contact him and I don't what else to do. I can be reached by email at XXXX. Thank you for your time and have a good day
|
| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was fired from my previous job in XXXX I have enough cash to make the payment that month but started a job recently this mont the ace cash express store I work with knew the situation I explained to them I dont get paid til the XXXX and would be in to make my fianance payment than they told me thats fine now on the XXXX I get a call about making a payment today which was not apart of the verbal agreement that was made about my account
|
| 05/04/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.
|
| 05/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
In an attempt to collect a debt, the agency poses as lawyers and alleges that a " XXXX XXXX XXXX XXXX '' is pursuing " serious allegations against '' me that are are four federal, criminal charges if I do not resolve the debt. The amount of the debt changes from time to time, and they are all affiliates of the same company. In particular, this agency has already been ordered in Administrative procedings to cease this activity in 2014.
|
| 01/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a threatening phone call regarding a past debt ... payday loan ... from a XXXX XXXX on XX/XX/2021 who worked for a collection agency collecting on behalf of Ace Cash Express. Even after explaining that I filed a chapter XXXX bankruptcy and it went through he still insisted on harassing me. I have blocked several of his phone numbers.but he keeps calling. The last number he called me from was XXXX and another number of XXXX.
|
| 03/09/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 08/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.
|
| 12/13/2016 |
Yes |
|
|
|
Web |
|
|
I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American |
|
I never applied for a loan. I kept receiving emails to this email address stating I was approved for a loan. I NEVER use this email address for IMPORTANT information. This is my junk email address. The email had my first name, however it was NOT my bank account info that the funds were sent to. I tried to stop this within minutes of receiving the email. I also called them to correct this error. I HAVE NOT APPLIED FOR THIS LOAN.
|
| 02/03/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ace cash express approved a loan that was submitted online in 2013 which was not done by me with my personal information that has lead me into owing there company and has lowered my credit score .and now I am not able to get any information from this loan company on the application that was submitted to them online because they sold my file to an agency so I can figure out what solution I can come up with to fix the bind im in.
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too.
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court.
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.
|
| 11/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX
|
| 12/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.
|
| 09/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX County. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with Ace Cash Express. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
|
| 07/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I have been receiving calls claiming a legal action against me. Today 's call came from XXXX XXXX XXXX XXXX regarding a supposed defaulted loan from Ace cash express. I did borrow from their XXXX XXXX, CO location over 5 years ago, but any and all loans were paid in full and on time over 5 years ago. When I talked to the person, he was very hesitant to give me any information, just kept asking questions, date of birth etc.
|
| 03/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received an on line loan with ace in XXXX with payments set up on auto draft. I was able to make a few payments and had some difficulties and cancelled the auto draft. I can not access my loan any longer on their web site and someone is writing manual checks and still taking the payments out my account without my authority. I can not get them to stop and also i have no access to my loan anymore to view what is going on.
|
| 02/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They called me pretending like they are going to serve me with a summons to appear in court and it's all a lie. XXXX representing themselves and would not send me a letter even though I asked XXXX. I have XXXX of the conversations recorded. They did not state the mini XXXX. They won't give me their info because they're hiding behind the phone. They won't send me a letter because they know what they're doing is illegal.
|
| 06/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.
|
| 01/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a past due notice dated XX/XX/XXXX for an outstanding balance of {$570.00} identified as Item # XXXX by Ace Cash Express. Contact info in XXXX XXXX, FL XXXX. Company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Original loan amount {$550.00}. Origination date XX/XX/XXXX. I never took or received this loan. I have contacted the company and requested that they erase the false debt from my name.
|
| 09/12/2016 |
Yes |
|
|
|
Web |
|
|
Received a letter in the mail from civil complaint services on behalf of Ace Cash Express. Letter identified me as the defendant and stated that I was being charged with fraud and for debt collection. Letter stated that I could call their XXXX number to resolve matter or I would be served papers. I do n't recall having a payday loan through this company and if I did, this is the first letter I have received about it.
|
| 10/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.
|
| 07/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have been contacted several times by a company that claims I owe them money from XXXX. They said they have sent numerous letters to my current address which is fakes and also lied about a job I was working at that time. I have tried to have my lawyer contact them we're all times and they don't respond to her.
The only information they gave me was it was charged off in XXXX and the loan amount was {$500.00}.
|
| 12/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Ace Cash Express Collection Department went to trying to collect and loan debt that was settle from and signed Settlement Agreement Dated XX/XX/2019 for {$210.00} dollars on the loan amount {$420.00} demanding that i pay the remaining balance of the {$210.00} that was supposed to be written off and cleared of my ace cash express loan account number XXXX inwhich i am summiting copy of the PDF Settlement agreemen
|
| 01/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have received calls and email threaten me about the legal actions and lawsuit. Resist to tell me how much debt i owed and the name of the company. I asked them to send a debt validation to my address and they said you no need to worry about it. They also called my sister to locate me and saying they will send a cop to my sisters address or mine. This made me stress so much not knowing what to do with them.
|
| 01/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX.
They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.
|
| 11/14/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I went in to make a partial payment to pay down my loan and was told that I was not able to make partial payment, I could only give them funds if I made the payment in full. I 've never taken out a loan where they would n't accept my money unless I had all of it at once. They 're already charging a ridiculous interest rate, why penalize me even further by not accepting my funds? How is this legal?
|
| 09/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call from XXXX this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.
|
| 05/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]
|
| 02/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I received an email from the United States Attorney claiming I owe a debt to Ace Cash. They claim that I owe some XXXX dollars and that they will file a criminal charge to IC3. They are offering a settlement of XXXX $ and threatening criminal prosecution in addition to XXXX in fines additional. I dont recall ever having any dealings with them and this is the first communication I have received.
|
| 12/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a phone call today from a XXXXXXXX XXXX XXXX company XXXX XXXX ) stating I had a lawsuit against me from Ace Cash Express and the hearing would be at SD Court. Case number is XXXX. The man I spoke to said I would have my wages garnished. I am not working at this time due to Covid. I can not pay this loan and the amount ordered is over XXXX. I never received that much of a loan, ever.
|
| 10/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was unknowingly charged and excessive amount of interest for a installment loan of 391.93 %. The company was not willing to help me and tried to take unauthorized money from my account under a different name. I was never sent the loan documents to sign, just a i agree button with no interest information included. I was never provided the loan documents until I threatened to file a complaint
|
| 09/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Wed, XX/XX/XXXX at XXXX XXXX FINAL DEBT INFORMATION.
LAWSUIT COURT NOTICE_PAY_DAY_LOAN DUE AMOUNT CASE FILE TRANSFER TODAY FDCP ACT-811 ( 15 USC1692I ) Lawsuit Cost - {$2400.00} ( Including Attorney Fee/Court Fee/All Taxes ) Creditor Name : Ace Cash Services.
Total Due Balance : {$890.00} SETTLEMENT {$320.00} TODAY XXXX XXXX Ace XXXX & Legal Department XXXX XXXX | Privacy | Terms of use
|
| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan with ACE Cash Express for {$2000.00} on Friday XX/XX/2022.
I paid back {$1500.00} in principal on XXXX/XXXX/2022.
I made a scheduled payment of {$410.00} on XX/XX/2022.
I called to pay off the loan on XXXX/XXXX/2022 and owed {$810.00} to pay off the remaining principal, interest, and fees.
The total in fees and interest totaled {$720.00} for 42 day {$500.00} net loan.
|
| 02/06/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.
|
| 12/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.
|
| 12/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2021 I applied for an Ace Cash Express loan, and immediately cancelled the loan when I saw the repayment agreement.. The cancellation was acknowledged by a company representative. I then applied for a payday loan, which I received. Apparently, it was still the original loan. Now I am being billed {$98.00} monthly for several months, for a $ XXXX.loan. I don't know what to do.
|
| 06/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This company contacted my daughter, ex-husband, current employer, current husband with threats. The loan was taken out XX/XX/2018. They have now delivered papers to my employer that I have not seen because we are out for summer. When I called and asked about the loan and information, The representative told me good luck in court, and hung up on me. I have not seen any court paperwork.
|
| 03/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Could not pay the loan due to losing job and loss of child support. They have used a third party debt collector to contact my family threatening to serve me with an arrest warrant in the next 30 minutes. They call my phone spoofing my dad 's number so I will pick up and threatening she will be at my house in 15 minutes with an arrest warrant to go to jail. My kids are scared as am I.
|
| 06/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
The number that called is XXXX XXXX XXXX. They told me that I owed ace cash express and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this XXXX but no luck so far.
|
| 10/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Ace cash express has called me repeatedly from a blocked number. They are stating that I have a pending lawsuit that I need to pay. They have threatened to charge me an extra {$1000.00} in court fees, sue for breach of contract and to file a federal complaint because my bank account had non sufficient funds to pay the loan back. I have been barraged by calls from them for weeks.
|
| 02/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Received a text to my cell phone about a debt. When I called, they had my social security number and stated it was a payday loan from XX/XX/2012. I never took out a payday loan. They said it was in the amount of {$790.00} and they wanted my credit card number. They have my current address and my previous address. His name is XXXX XXXX and it is case number XXXX from ACE Cash.
|
| 01/19/2017 |
Yes |
|
|
|
Web |
|
|
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.
|
| 08/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I was contacted by an agent named XXXX and she proceeded to tell me i had until the end of day to pay back an old payday loan i had forgotten about. She told me it would be handed over to courts if i didnt pay XXXX dollars and that i was being sued for Fraud, libel, and misconduct. They also called my family memebers repeatedly even when told not too by said family members.
|
| 12/02/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX
|
| 06/01/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!
|
| 07/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.
|
| 06/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.
|
| 07/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
In XXXX of 2021 my mother, my father, my husband, my brother all recieved calls that I had a warrant out for my arrest for a crime and I was to call this number back or they would immediatly come to get me from my home. I attempted to contact and the person I spoke with was so irate I could not understand them. They continuesly call my family and say the same thing.
|
| 03/15/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further.
Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX
|
| 06/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I been getting around 8 calls per day to my cellphone, work and coworkers about a loan and keep getting automatic calls from a XXXX area code and saying they are federal agent and to contact them and leaving voicemail that there have a warrant and even gave me a docket number from court on voicemail. started on dates XX/XX/2019 and have been going on from them on.
|
| 09/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Got a payday loan approximately 2 years ago. Could not pay, due to job loss. Have been harassing ever since. Constant phone calls, calling my co workers and job, telling them they were from the procecuters office, saying they were going to come to my work, saying my boss better be with me, all kinds of nonsense. Calling people I never even gave a phone number for.
|
| 03/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Someone called me. Said his name is compliment officer XXXX XXXX. He taking legal action against me. He has a warrant to arrest and take me to jail. He called my place of employment told my the same information. They said I have an outstanding payday with XXXX XXXX date XX/XX/2015. Wanted me to pay them {$210.00}. They threaten me here is there phone number XXXX.
|
| 06/30/2016 |
No |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.
|
| 12/03/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.
|
| 10/28/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap
|
| 09/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
It's from a collection agency called XXXX XXXX XXXX they stated in the letter I took a payday loan out with Ace Cash Express ( I know I payed it off, this is from XXXX ), they say they are going to file a civil lawsuit unless I pay {$950.00} by XX/XX/XXXX. They also say they will report it to the credit agencies and seriously damage my credit if I don't pay
|
| 08/11/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at.
I believe Ace Cash Express is in violation of FCRA.
|
| 10/16/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?
|
| 06/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.
|
| 11/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American, Servicemember |
|
I have paid Ace cash Express a total of {$1900.00} for a loan and now they are telling me that I need to pay another {$830.00}. I have asked for my money back for a month, they said the only way i can get my money back is by paying {$830.00}. I just want my money back, i need it right away. I am not going to pay more to get my money back, it is my money.
|
| 06/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This " Company '', ACE, said they were collecting a debt. They said they would arrest my wages and get a court order from the credit bureau.
I don't know if it is a scam. I owe money and will pay, but first they said {$2600.00}, then it was {$900.00}, now it's {$300.00}. What do I do? They said to pay via a XXXX prepaid card. They only go to {$250.00}.
|
| 09/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I received a letter from ace cash express payday loan saying I got a loan that I didnt receive.They I need to pay by XX/XX/XXXX theyre taking me to and I need to pay XXXX they saying my payment was was return by my bank due to NFS.Theyre taking about taking money out of my check. Can they do that because I didnt receive anything I dont know what to do.
|
| 05/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
ace cash express are contacting my family and telling them I committed bank fraud and will be throwing me in jail. XXXX, the manager in the office told me they will serve me papers today if I dont pay in full. When asked about my rights, she hung up on me. They are contacting family in other states, that I dont even know and telling them this business.
|
| 12/15/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.
|
| 08/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
EMAILS SAYING I OWE THEM MONEY AND IF I DONT PAY IT. I WILL BE LAID OFF FROM MY JOB THEY WILL HOLD MY SS NUMBER I WILL NOT GET MY PAY CHECKS, I WILL NEVER GET A JOB AGAIN AND I WILL BE ARRESTED IT IS A DIFFERENT EMAIL EVERY TIME, THEY DONT GIVE ME A NAME OF WHO IS EMAILING IT. JUST LEGAL ACTION WILL BE TAKEN. I CAN LIST THE EMIALS XXXX XXXX XXXX
|
| 11/30/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.
|
| 04/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have asked on multiple occasions for this company to not call me or leave voicemails. I still regularly get calls and threatening voicemail messages which I have saved starting afert the first time i made the request. When I have called back to escalate to a supervisor to again make sure the calls cease I have beem hung up on more than once!
|
| 04/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
Approx XXXX yrs ago did a payday loan for {$290.00}. Became VERY XXXX AWAITING XXXX surgeries. I'm XXXX. Received a threatening call saying they are taking me to court for ALL KINDS OF GARBAGE. GAVE me a case number. Sueing me for over {$1500.00}. Very threatening. Their number is XXXX XXXX XXXX. Ace Cash Express. My number is XXXX XXXX XXXX.
|
| 03/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by Ace Express regarding an old loan. They threatened to remove the funds directly from my employer, and or to file a lawsuit. They were very aggressive and used scare tactics to get me to pay the loan I had in full. They called several times prior to me making the payment. I made the full payment of {$320.00} on XX/XX/2018.
|
| 03/30/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off.
main creditor is ACE CASH
|
| 01/23/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.
|
| 08/31/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.
|
| 02/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Agency called my sister and father in an attempt to collect debt, they told them I committed fraud. I have not received and letters regarding debt after asking for one. They continue to tell me they are going to sue me and I will be responsible for court fees, they are gon na garnish my wages etc. they have violated several FDCPA laws.
|
| 10/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.
|
| 11/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX.
1 ) They misspelled XXXX.
2 ) They have not tried to contact me by phone or at work.
3 ) They are claiming I have a warrant and will be arrested.
|
| 03/01/2016 |
Yes |
|
|
|
Web |
|
|
Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.
|
| 09/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Well I went to apply for a payday loan from ace Cash express and I ended up getting denied and when i received the email stating why it said that profile didn't match first name and that my social security number was registered as deceased. And not I only them but XXXX XXXX too when I called them to verify my identity over the phone.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
|
| 10/20/2016 |
Yes |
|
|
|
Web |
|
|
i have been contacted via email for over a year by a company who states i have an outstanding payday loan. this loan was included in a bankruptcy from 2013. however, they continue to send emails with numerous misspellings, different balance amounts and today 's email threatening an arrest warrant and threatening to contact my job.
|
| 12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
COMPANY - ACE CASH EXPRESS RECEIVE THREATING PHONE CALL A WEEK LATER AFTER RECEIVING MY LOAN ONLY GAVE 11 DAYS TO MAKE 1ST PAYMENT INSTEAD OF 30 DAYS THAT IS REQUIRE BY LAW Illegal Debt Collection Threats and Harassment PUSHED INTO A CYCLE OF DEBT Threatening to charge extra fees and report consumers to credit reporting agencies
|
| 04/05/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.
|
| 06/15/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
ACE CASH EXPRESS had a 3rd party collection agency call me and are saying they are going to take legal action against me and sue me. Some guy also called saying he was coming to my house to serve me papers. Apperently i owe {$2500.00} or I will be sued for {$6500.00}. Just seeing if this is legal and not fraud. Please Help!
|
| 06/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Recieved an email from a law firm called XXXX XXXX XXXX demanding XXXX in fees or to settle for a little over 800.00 by this Friday and stating they are going to contact FBI, etc. That I know I didnt borrow those enormous amounts. Feel harassment. Leave me alone. Stating accounts going to be levied?????? I dont have a job.
|
| 01/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Advertising
- Confusing or misleading advertising about the card
|
|
Web |
|
|
I received a credit card unsolicited from ACE XXXX Account. I can't call to ask questions because that activates the card, which I believe incurs a {$3.00} fee. I need to know if my social security number has been used without my knowledge to request this card, or if it is just a scam. I don't know how to find out. Thanks.
|
| 01/13/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.
|
| 01/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I did get a title loan from Ace Check XXXX and was paying it on time until work became VERY slow. I defaulted on my loan and did try to set an arrangement ONLY to not be able to fulfill it. I am a recently divorced mother of XXXX who has recently had to file bankruptcy to take care of my kids. I do/Will pay the debt off.
|
| 07/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Ace check cash representative fraudulent took my cash that was fir my credit card payment. Never applying funds it credit card, for XXXX months XXXX credit cards. I was able to locate receipt and representative made copies and never phoned me back, or paid my creditor. Stealing my funds and destroying my credit score.
|
| 12/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a very aggressive and threatening call stating that Ace Cash Express would take me to " Immediate proceedings Court '' or locate me at my home or place of employment, they gave me a case number and stated that they are planning to sue or take criminal action, I have XXXX XXXX and its triggered a XXXX XXXX
|
| 02/08/2017 |
Yes |
|
|
|
Web |
|
|
i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.
|
| 01/24/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I borrowed {$500.00} on XX/XX/2019 online, and I have paid {$110.00} every 2 weeks since then. As of now I have paid them {$1000.00} or more, and I still can not get information on what I truly owe. There is no information on the loan online with a balance. I have no way to know how long they will say I owe them.
|
| 08/21/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a complaint against Ace cash express for repeated and constant annoying phone calls on a daily basis plus written notice.of debt. I told them to stop calling or i will sue them for harassment. These practices are illegal and i demand {$1000.00} payable to me for fine for these unfair business practices.
|
| 07/13/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more.
Thank!
XXXX XXXX
|
| 07/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ace cash express has called my wife on XX/XX/XXXX and XXXX and my grandmother on the XXXX saying there is a legal complaint against me for charges to defraud a lending institution. Then on XX/XX/XXXX I called them and they told me to pay XXXX dollars on XXXX dollar loan for they will proceed with charges.
|
| 02/03/2016 |
Yes |
|
|
|
Web |
|
|
I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2022 at approximately XXXX, I was contacted by XXXX XXXX XXXX regarding an unknown debt from ACE cash express. This has been ongoing for a little over 10 years. There phone number is ( XXXX ) XXXX. They have threatened legal action against me. Im tired of people contacted about this. Thank you.
|
| 04/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I got a email stating I owe a debt but I dont remember even signing up for this particular loan and this supposed senior recovery attorney is asking I pay it in a one time settlement and if not then Ill be sued. Im not sure if this even real or if this is a scam. I have only been contacted by them once.
|
| 07/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I set my ace cash express account to automatic payments only to find out for some reason my account was sent to collections without notice but should have been paid in full. Due to this, I needed credit today but was denied due to an account that should have been paid in full due to automatic payments.
|
| 08/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
XX/XX/XXXX received call from a ace collection person who failed to identify himself and refused to send legitimate documents to my post office box for this loan that he said i owes since XXXX. He went on to say that he will be contacting my employers and relatives and shared the details of the debt.
|
| 04/03/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On Monday, XX/XX/2019 at about XXXX, I tried to repay a loan at ACE Cash Express on XXXX XXXX in XXXX, OR. It smelled like cigarette smoke inside and I complained about it. XXXX told me to leave and refused to accept my repayment.
I do not think I should have to repay the loan at all. Can you help?
|
| 11/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.
|
| 06/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX represenative XXXX XXXX called my employed told them details about my debt, told my employer i would be served with a court summons, threatened to notify my Human resources deptartment about debt and that i would be served papers for " Theft '' and this was even before i spoke to them
|
| 05/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.
|
| 07/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I got a loan with ace cash advanced in 2019. They sold it, then that company sold it. The final company showed up to my parents house threatening to take me to jail, saying I have a warrant, calling 6 family members saying I have a warrant out of my arrest, etc. this is the number ( XXXX ) XXXX.
|
| 01/14/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
XXXX ( XXXX ) XXXX harassing me for a debt I do n't owe. Received my personal information from ACE payday lender from a supposed debt from 2010. Never had a outstanding debt with this lender. Did use them at one time but never left any debts unpaid. They are harassing myself and family members.
|
| 12/13/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received an email XXXX XXXX XXXX XXXX from a XXXX XXXX and XXXX XXXX indicating they were attorneys they not only represented themselves as attorneys but threatened criminal federal action and also threatened to contact my employer they violated numerous laws and I have a copy of the email.
|
| 04/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX separate agents at Ace Cash Express have been contacting the references on my loan application and disclosing not only the details about the loan amount, date taken out, and payment due - but also confidential personal information that was contained in my application including my salary.
|
| 09/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
They called my employer acting as if they are acting on behalf of XXXX county courts representing themselves as a proceedings office reading off allegations using threat tactics if i dont satifsy the account. Leading my employer to believe that i would be served with arrest papers at work.
|
| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am complaining regarding some of the hard inquiries on my account I dont recognize some of them I will list them Ace cash XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to get these removed but no one is responding to me if u could help that would be great Thank you
|
| 03/15/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.
|
| 09/29/2016 |
Yes |
|
|
|
Web |
|
|
I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.
|
| 12/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard inquirie from Ace Cash Exp XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/XXXX and I never authorized any credit check from this company and I have no knowledge of this company.
I have another hard inquirie from XXXX XXXX XXXX, CA XXXX from XX/XX/XXXX that I have no knowledge of.
|
| 05/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I applied for a payday loan got approved, was unable to pay now im getting threatened that, i will get criminal charges filed againts me, that they will, have to granish wages earned and that i will go to jail. I was willing to make arrangements, but unable to meet what they request.
|
| 01/09/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.
|
| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I WAS VISITING A BRANCH NEAR ME FOR A MONEY ORDER AND A BRANCH EMPLOYEE OF ACE CASH EXPRESS HAD INFORM ME THAT I HAVE AN OUTSTANDING BALANCE WITH THEM SUPPOSEDLY OVER 10 YEARS AGO!. I SERIOUSLY THOUGHT IT WAS A PRANK! .HAVE NO RECOLLECTION OF THIS TRANSACTION WITH ACE CASH EXPRESS.
|
| 01/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
|
| 12/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
XX/XX/2023 Ace cash express printed a check, put my name on it but incorrectly and cashed it at my bank for {$77.00} Ace did not have permission to do so. In fact a revocation letter had already been sent and email was received stating they received and ACH payments discontinued.
|
| 11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
At the beginning of XXXX or so I was contacted by the phone number XXXX to pay a debt. They told me they were a lawfirm ( did not say who ) that was basically going to take me to court if I didn't not begin paying my debt. They have been withdrawing from my account ever since.
|
| 05/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.
|
| 01/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.
|
| 03/06/2017 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.
|
| 12/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have never had a payday loan through this company. I have gotten several emails like the one I am attaching to this complaint. As the email account is a XXXX account, it is a false account, ACE does not use a XXXX account nor do any collection services that I am aware of.
|
| 12/24/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I was called by someone that said ace cash express gave them my info and that I owed them money for a loan. He asked me to make a payment over the phone I refused because I did n't know if it was a scam. He then became very disrespectful and vulgar calling me various names.
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.
|
| 09/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX accounts of the so called atty but has not received any reply.
|
| 04/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a threatening letter, arrest warrant will be issued today if you dont pay {$300.00} to us by end of day. I would have to purchase a prepaid card and send to them. By taking a picture front and back. Then the would send me a letter stating its paid in full ..
|
| 11/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX threatened to file charges on my for fraudulent check writing and stated I would get 3yrs in jail if I didnt settle immediately for {$350.00}. Yet the never sent any Identifying info so debt can be verified. They only contacted by email no phone contact.
|
| 05/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote.
Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party.
Phone call was on XXXX18
|
| 05/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
XX/XX/XXXX I walk into my bank for 7 years. New work XXXX women is working in there. She basically profile me and said she or her manager couldnt cash the check for only XXXX dollars. I feel racial neglected and profiled store is on XXXX XXXX XXXX XXXX XXXX ca XXXX
|
| 02/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/21 I received an email from Ace Cash Express. They say I owe money, Ive never heard of them before. They threaten me with a law suit and to go to my employer, unless I send them money today!!
I told them via email that I need to see a validation of this.
|
| 02/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I received a very threatening email from Ace Cash Express about a loan that I have no recollection of receiving. I can't supply dates or other information because I do not have them but they have my personal information. I am attaching said letter for reference.
|
| 06/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I went to ACE CASH EXPRESS to send money to my daughter and son in XXXX, using XXXX XXXX 3 months ago but only my son received his money on time, I have since tried contacting XXXX about the transaction but in vain. Can you please help me to track my money back
|
| 04/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.
|
| 10/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in wiring.
|
| 12/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a call from someone working with ace cash express threatening that theyll find me and sue me, call my job and harass me, call my sister also with threats that I defrauded a financial institution and that I owe money.
Was pretty much a big threat.
|
| 09/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I called to request validation of the debt owed to my address because the company said they were filing a lawsuit against me and the request was denied. On XX/XX/XXXX, I called again and requested validation again but the request was denied.
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.
|
| 02/12/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting spam e-mail from ace cash express saying I owe them money for a loan i never got the letter comes from a XXXX XXXX they do n't send an address they say I have to use email or call them at XXXX and I do n't call numbers that I do n't know
|
| 04/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I agreed to a payment plan but after weeks of paying they tried to say I still have a large amount remaining and it just seemed unprofessional with how they are dealing with the situation now theyre threatening to have me arrested if I dont repay them
|
| 01/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/2021 I received the email twice threatening criminal charges and to report to social security. I'm on SSI, I haven't had the money to pay. I will pay as soon as I can. I'm an XXXX XXXX person it's wrong to scare me with emails such as this.
|
| 02/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
Was contacted today XX/XX/XXXX that i owe ace payday loan from XXXX for the amount of XXXX. Now a place called account services said i owe XXXX. I told them i didn't. and he got a little upset and told me good luck with not paying. He was very rude.
|
| 07/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have several emails saying theyre attorneys and they need to collect a debt to be paid with green dot money card. When I called the businesses to see if I had the debt the businesses said I do not. The attorneys names are XXXX XXXX and XXXX XXXX.
|
| 06/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.
|
| 02/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I previously reported that Acecashexpress denied my payment back on XX/XX/XXXX. On XX/XX/XXXX, I send them an ACH Revoke notice. On XX/XX/XXXX they withdrew {$130.00} from my count. They have a set precedence of denying me of my consumer rights!!!
|
| 05/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
They have called my family members in an attempt to contact me re : an unpaid debt and threatened legal action telling me I wrote a " hot check ''. Funds were not available when they attempted to draft the amount, I did not write a " hot check ''.
|
| 08/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have honored my agreement to pay {$10.00} a month every since I advised the actual loan company and their corporate home office of the minimum payment that I could afford to pay based on being affected with the effects of corona virus/covid 19.
|
| 12/19/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I went to ACE Cash Express, and for the loan amount it quadrupled. I am a XXXX vet with XXXX, and I am a dislocated worker when I made arrangements to pay the account got moved to a debt collector. I am dealing with someone named national credit.
|
| 01/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats
|
| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Ace Cash Express was asking for my online banking information to get direct access to my online banking this is my complaint ( XXXX ) -XXXX this is their direct phone number they say they are in Florida but this phone number is a XXXX XXXX line
|
| 12/17/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I went in there on XX/XX/2015 and they gave me less than 7 days to pay off my loan. And they did not date my check for my correct pay date. I getting paid on the XX/XX/XXXX due to the Holiday. Lady was very rude and unwilling to call a manager.
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Mass email stating I have uncollected debt to ACE cash in the amount of {$750.00}. If I dont pay immediately they will file legal action. I can settle by paying {$300.00} immediately. Ive never had a loan with this company or its subsidiaries.
|
| 10/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account
|
| 06/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I am being harassed by ace cash saying they have a lawyer they are filing a civil suit for fraud a lawyer whoever called my mom saying they are going to serve me with papers at work or home and also trying to get my information to my account
|
| 08/16/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal
|
| 02/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX called me at my job from a Texas phone number but has a Florida address. They said I have owed payment on a 2015 Ace Cash Express loan, which I never took out. They also had the last four digits of my social security number.
|
| 04/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Ace sent a very threatening email saying they would file a lawsuit against me making me pay over XXXX unless I paid roughly {$400.00} I have not gotten in calls, letters, I dont know when this debt was or how old. It was very threatening.
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude
|
| 09/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call
|
| 04/12/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.
|
| 02/21/2017 |
Yes |
|
|
|
Web |
|
|
I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.
|
| 04/04/2017 |
Yes |
|
|
|
Web |
|
|
They are stating that I took a loan and keep sending me threats. I have continuously sent them a demand for proof and was just advised that I applied by an email. I have never applied or received any funds from ACE or its subsidiaries
|
| 02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
My information was used without my permission to multiple companies this was the letter I got a call from that number from XXXX XXXX he was impersonating him i can only guess. They took all my information from that call and now this.
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I had an unpaid balance. They keep calling me and my family members threatening to they are going to sue me, the police is going to my house and they they're going to call my employer speak with my supervisor and garnish my wages.
|
| 08/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
The money was taken out of my account and when the funds were insufficient they continued to run and rerun it through my account causing fees as well as Ace charging me more fees. I had to pay all the fees and this took months.
|
| 01/27/2017 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.
|
| 07/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Hard inquiries were made, Ive included the attachment.
Ace Cash, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX
|
| 03/20/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I've been in contact with ace cash express in the past and now i'm receiving calls at my place of employment threatening to have my wages garnished and using profanity The man says his name is XXXX XXXX from XXXX XXXX.
|
| 10/03/2016 |
Yes |
|
|
|
Web |
Older American |
|
ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.
|
| 07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
ACH cash express has been harrashing me and has treaten me with a laywer and has cause me to get fired from my job with all the calling they have done. it a pandemic. they have not contacted me till now about the loan
|
| 08/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me XXXX times a day asking when I can pay. I 've told them my financial situation plenty of times, and they insist on a concrete date when I can pay my entire debt. They have called me while I was at work.
|
| 11/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Case file # : XXXX {$930.00} settlement amount {$350.00}.
I have received several threatening emails. I have no knowledge of such loan made.
The emails never state the original date amount or date of service.
|
| 05/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.
|
| 11/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I got a payday loan 8 years ago and Im still getting calls stating I owe them and if I dont pay they will take me to court and file a lawsuit for giving them my bank account info and not having the funds to pay.
|
| 01/07/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment
|
| 01/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Today ace cash express tried to lie and say I was charged with bank fraud because Im unable to pay the collector. They after like they were with the court and going to have me arrested and charged with a crime
|
| 08/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Ace cash express email stating that I was approved for 3,000-10,000 dollar loan, name XXXX XXXX XXXX loan code was XXXX XXXX, wanted me to give him my bank login info and password, I refused, he hung up on me.
|
| 07/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They are working with me to do settlement for my account. I keep getting these threats from atty and that XXXX but the loan company does not know anything about this attorney and telephone number listed.
|
| 03/23/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Received an email from XXXX representing Ace Cash on XX/XX/2017 formatted like a legal document. Titled Garnishment Notification and Arrest Notice. Also, has XXXX with a seal at the bottom of the email.
|
| 05/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.
|
| 10/28/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am getting threats to repay a loan from ACE cash express taken in XXXX which I have not taken .The bank account XXXX XXXX XXXX where the amount is deposited is not mine.
Please report a fraud
|
| 07/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ace consistently took money out for payments on the wrong agreed dates, my account stayed in overdraft, and I would get overdraft charges Everytime they tryed to run a payment through my account.
|
| 04/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
XX/XX/2020, XXXX $ XXXX I tried to send money to a friend of mines & it end up being the wrong name, Im trying to cancel or dispute the charge so that I can get my money back to my card please
|
| 11/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Ace Cash Express called me and said I defrauded them and they would be filling a criminal complaint and would talk to judge, the man 's name was XXXX XXXX his phone number was XXXX in XXXX Tx
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.
|
| 10/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I didn't know I had a balance. My family who I have zero contact for years ... 10 to 15 years were contacted and said they were given quite a bit of info about me and that I could go to jail.
|
| 01/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The debt collectors have released information to a third party about a civil lawsuit against me. I have repeatedly asked them to stop calling any third partys & they continue to harass them
|
| 03/30/2017 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.
|
| 11/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.
|
| 12/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Okay I was contacted about this debt I asked them multiple times to feel out a debt validation letter. And they keep giving me sub par information and a bunch of XXXX about the company.
|
| 01/15/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received the attached email of what appears to be a fake debt collection attempt. I don't believe it to be a legitimate debt collection and I do not owe such amount to this company.
|
| 05/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
ace cash withdrew a large amount cash from our account they have as of XXXX stated they reemburse us we have received nothing and despite many texts and phone calls havenot responded
|
| 01/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I asked the debt collector for a validation letter confirming that I owe the debt and she refused to send one. She said she would just process the collections order with the court
|
| 01/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
On XX/XX/XXXX at Ace Check Cashing a cashier 's check from a online job offer in the amount of XXXX after 30 min of varification was as hand back to and she said I can't cash this
|
| 10/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
" Ace Cash Financial Group '' is threating me with a debt that I do not owe and never applied with consent. They have no verification nor confirmation that I requested this loan.
|
| 05/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XX/XX/2019 - Called and threatened to arrest me at my job, also told me to go XXXX XXXX XXXX myself. I attempted to offer a reasonable repayment plan and was told to XXXX XXXXf.
|
| 06/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This morning, beginning around XXXX XXXX I received a series of phone calls from this debt collector. They called and left approximately 12 voicemails in a half hour period.
|
| 06/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Used intimidation tactics and threats. Called me and my family members multiple times trying to discuss my debt. Used multiple numbers and called private multiple times.
|
| 03/06/2017 |
Yes |
|
|
|
Web |
|
|
I keep trying emails from ACE XXXX INC threatening me for a past due loan which I have no knowledge of. They alleged case file is # XXXX and the email is XXXXXXXXXXXX
|
| 05/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I continue to receive email threatening to notify my employer and of lawsuit for a debt I do not recall ever taking. I am represented by an attorney in chapter XXXX.
|
| 11/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago
|
| 03/22/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Applied for loan from Ace Cash Express.
Ace sent a phony government check that XXXX Bank cashed and is now holding me responsible for the amount of the check.
|
| 11/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I can not pay due to a financial set back. They just keep calling me friends family and never sent me anything in mail or e mail to discuss. Call me after XXXX
|
| 06/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Essentially said organization claimed that they had a court case that I have yet to find anywhere on XXXX. Contacted relatives that they were not supposed to.
|
| 06/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I cant remember exactly how much because this was last year. I remember needing to take out more loans because I didnt have any money after paying them back
|
| 08/13/2016 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do
|
| 01/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.
|
| 04/10/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX
|
| 03/30/2017 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX using Ace Cash Express Payday Loan name to try and collect money not owed to them. Contacted Ace cash express and I have no debt with them.
|
| 02/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The company calls 4-5 times a day and leaves messages on my personal phone and work phone. When I call back, they do n't answer and have me on hold.
|
| 09/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.
|
| 09/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX
|
| 04/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
The company sent me a threatening email on XX/XX/2019. The debt is over 5 yrs. old and quite frankly, I'm not even sure if I owe this money.
|
| 11/03/2015 |
Yes |
|
|
|
Web |
|
|
They had me pay XXXX installment to assure I would pay them, but and then I would get the Loan plus get my XXXX reemburst but I never did
|
| 03/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I have a voicemail from Ace saying I will be sued in XXXX XXXX and my job will be called to locate me. My wife got the voicemail as well
|
| 01/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
repeated calls to family members and my Job saying I have been charged for fraud and will be arrested, some at early hours of the day.
|
| 04/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have never dealt with this company but they keep sending email threatening to sue me in court and holding my ssn from the goverment
|
| 04/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
My check was pending overnight but when I reserve it it was tell me XXXX XXXX took out XXXX and I do n't even know what is that
|
| 12/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Added fees that I wasn't informed about. And I can't even access my loan account to see my payments I've already made or owe?
|
| 05/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.
|
| 09/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ace cash express i been having trouble paying it but i have recieved threats and i dont believe its from ace cash express
|
| 01/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Apply for a loan arm XX/XX/2018 credit report should only been pulled once and was pulled three times Ace Cash Express
|
| 07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Harassment. Threatening to go to my job, calling over and over in short periods if time. Will not contact me by mail.
|
| 08/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Email from an XXXX XXXX XXXX XXXX : XXXX threats of asset seizure, court summons, wage garnishment, damaged credit.
|
| 06/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I didn't know that when I took out the loan that there were high interest rates! Getting emails about legal action!
|
| 08/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I was contacted by an officer and gave me a number to call because i would be picked up at my office to go to jail.
|
| 07/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.
|
| 03/30/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have paid this debt 2 times and sent several collection agency proof of paid but I still get letters every year.
|
| 10/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
ace payday loans charge outrageous illegal interest and fees i demand payment to me of {$10000.00} for this fraud
|
| 07/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.
|
| 07/11/2016 |
Yes |
|
|
|
Web |
|
|
harassment calls at place of employment. Collector must contact me on my main phone line which was provided.
|
| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Received an email about act XXXX from a debt collector saying they want XXXX Or they will garnish my wages.
|
| 01/31/2017 |
Yes |
|
|
|
Web |
|
|
Recived email stating I will have to go to disrtict court and must pay now or recive a {$5000.00} law suit.
|
| 06/17/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American, Servicemember |
|
I borrowed {$1000.00} and got lender tried to charge my account for over {$3000.00} without my permission.
|
| 10/30/2016 |
Yes |
|
|
|
Web |
|
|
The lender is making multiple calls per day to my cell phone in order to collect repayment of the loan.
|
| 09/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
A check was cashed in my name using a fake ID w my information on it at Ace XXXX in XXXX colorado.
|
| 02/05/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I never took out an ace payday loan and they keep telling me my wages will be garnish and I owe them
|
| 02/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They are threatening a lawsuit I have the email and its very threatening which I think is illegal
|
| 09/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
For this loan I ca n't access any of my information also they wo n't send me copy of my agreement
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
Ive been part of identity theft and Im just trying to remove whats not mine or what I didnt open
|
| 04/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Call at least 6 times a day all on different numbers and leave voicemails everyone in a while
|
| 07/01/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not recognized this company nor do i recognize giving permission for a credit inquiry.
|
| 04/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I defaulted on a Payday loan and now they are threatening me with jail time and a law suit.
|
| 03/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Ace Cash Express continually takes out money before my payday. Getting very hard to manage.
|
| 10/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have the same company calling for both me and my husband and neither of us owe the debt.
|
| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
A process of a payment settlement because its decrepit and no agreement could be reached.
|
| 09/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
Older American |
|
went to apply for a loan and they told me that i already had on when i know i never have
|
| 12/02/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
i do believe i applied for a loan but i have no bank account nor did i receive any money
|
| 05/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Receiving threaten emails from people who may or may not be from Ace Cash Express.
|
| 01/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
My loan was sent to collections without my knowledge. Has charged additional fees
|
| 07/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
harassing me at work and my co-workers even after we told him not to call here.
|
| 11/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Someone is purposely changing my bank information and using it all the s year.
|
| 03/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This was an email received and do not appreciate being threatened like this.
|
| 10/28/2015 |
No |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I got an email saying I owe from a company I never took out a loan from.
|
| 06/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received this email and I have no outstanding debt with the company :
|
| 05/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American |
|
Ace Cash Express said they would have government put a hold on my SSN
|
| 08/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got loan with ace cash express and now they talking about sue me
|
| 05/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Servicemember |
|
I seen this on my credit report and have no knowledge of this debt
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Amount {$500.00} date of XXXX couldnt work because of XXXX XXXX
|
| 09/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Insanely high interest rates almsot XXXX times what is owned
|
| 10/29/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
The debt was paid off.
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Confusing or missing disclosures
|
|
Phone |
Servicemember |
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Postal mail |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 04/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 03/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American, Servicemember |
|
|
| 10/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 06/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
Servicemember |
|
|
| 03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Phone |
Servicemember |
|
|
| 02/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 01/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 12/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 07/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
Older American |
|
|
| 06/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Referral |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American |
|
|
| 06/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
Servicemember |
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 04/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Phone |
Servicemember |
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 03/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
|
| 03/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 03/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
Older American |
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 12/02/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Phone |
|
|
|
| 11/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 11/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
Older American, Servicemember |
|
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 10/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Don't want a card provided by your employer or the government
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
Older American |
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 04/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
|
|
|
| 04/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
Servicemember |
|
|
| 03/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 03/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Postal mail |
|
|
|
| 03/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 02/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 02/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
Older American |
|
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 02/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 01/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Referral |
|
|
|
| 01/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 01/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 12/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 12/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
|
| 11/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Referral |
|
|
|
| 11/24/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 11/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 10/28/2019 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 10/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 10/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Phone |
|
|
|
| 10/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Postal mail |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Referral |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 09/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 09/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 08/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 08/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 08/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Phone |
|
|
|
| 07/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Phone |
|
|
|
| 07/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Older American |
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 07/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Referral |
|
|
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 05/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 05/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
|
|
| 05/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 05/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 05/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
|
| 04/30/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 04/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Referral |
|
|
|
| 04/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 04/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 02/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 01/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Phone |
|
|
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/24/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 12/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 12/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 11/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 11/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
|
| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 10/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 08/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 08/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 07/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 07/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 06/15/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Phone |
|
|
|
| 06/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Postal mail |
|
|
|
| 06/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 03/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 03/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 02/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 02/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 02/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 01/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Fax |
|
|
|
| 12/07/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 11/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 11/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 08/12/2017 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 08/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 07/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 07/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
|
| 05/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/06/2017 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 04/20/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 04/19/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/08/2017 |
Yes |
|
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
|
|
Postal mail |
|
|
|
| 04/04/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 03/31/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 03/31/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/28/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Referral |
|
|
|
| 03/23/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 03/22/2017 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
Older American |
|
|
| 03/21/2017 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 03/15/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 03/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/12/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
|
|
|
Web |
Older American |
|
|
| 03/09/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/08/2017 |
Yes |
- Other financial service
- Money order
|
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 02/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/17/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
|
|
|
| 02/16/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/09/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 02/08/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 02/01/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 01/31/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/30/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
|
| 01/29/2017 |
Yes |
|
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/19/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 01/17/2017 |
Yes |
|
|
|
Phone |
|
|
|
| 01/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/13/2017 |
Yes |
|
|
|
Web |
Older American |
|
|
| 01/12/2017 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
|
|
|
| 01/11/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/09/2017 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 01/08/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Postal mail |
Servicemember |
|
|
| 12/21/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/14/2016 |
Yes |
- Other financial service
- Check cashing
|
|
|
Phone |
|
|
|
| 12/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/10/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Older American |
|
|
| 12/08/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 12/06/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 12/06/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 11/30/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/25/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American |
|
|
| 11/23/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/17/2016 |
Yes |
- Other financial service
- Money order
|
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Phone |
Older American |
|
|
| 11/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 11/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
|
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Postal mail |
|
|
|
| 10/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 10/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 10/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 10/20/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American |
|
|
| 10/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 10/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 10/14/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/12/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/08/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Phone |
|
|
|
| 09/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 09/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 09/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Fax |
|
|
|
| 09/22/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/21/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/20/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 09/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Phone |
|
|
|
| 09/19/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 09/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American |
|
|
| 09/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 09/07/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 08/10/2016 |
Yes |
|
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/02/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/31/2016 |
Yes |
|
|
|
Web |
|
|
|
| 07/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
Servicemember |
|
|
| 07/27/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Phone |
|
|
|
| 07/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 07/20/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 07/11/2016 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 07/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/02/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 06/27/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 06/14/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Phone |
Older American |
|
|
| 06/03/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 05/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Referral |
|
|
|
| 05/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 05/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 04/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/27/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Phone |
|
|
|
| 04/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/24/2016 |
Yes |
|
|
|
Web |
Older American |
|
|
| 04/23/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 04/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
- Other financial service
- Check cashing
|
|
|
Web |
|
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Fax |
|
|
|
| 04/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 04/09/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 04/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/05/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 03/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/22/2016 |
Yes |
|
|
|
Web |
|
|
|
| 03/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 03/09/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 03/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 02/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American, Servicemember |
|
|
| 02/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 02/02/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/29/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/29/2016 |
No |
|
|
|
Web |
|
|
|
| 01/28/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/26/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 01/23/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Phone |
|
|
|
| 01/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/14/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/06/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/04/2016 |
Yes |
|
|
|
Web |
|
|
|
| 12/30/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/16/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 12/15/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Phone |
Servicemember |
|
|
| 12/10/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
|
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 12/02/2015 |
Yes |
|
|
|
Web |
|
|
|
| 11/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/13/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 11/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
Older American |
|
|
| 11/03/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Referral |
|
|
|
| 11/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/30/2015 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/30/2015 |
No |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
|
| 10/29/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 10/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 10/29/2015 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 10/26/2015 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2015 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
Servicemember |
|
|
| 10/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 10/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/24/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 09/24/2015 |
Yes |
|
|
|
Web |
|
|
|
| 09/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
Older American |
|
|
| 09/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 09/16/2015 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
|
|
|
| 09/13/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/09/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 09/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/02/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/02/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 09/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/31/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Older American |
|
|
| 08/20/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 08/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/27/2015 |
Yes |
|
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/22/2015 |
Yes |
|
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Phone |
|
|
|
| 07/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 07/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 07/14/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 06/30/2015 |
Yes |
|
|
|
Web |
|
|
|
| 06/18/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 06/13/2015 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
|
| 06/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Phone |
|
|
|
| 06/03/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 05/29/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 05/20/2015 |
Yes |
|
|
|
Web |
|
|
|
| 05/16/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 05/13/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 05/07/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/07/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 05/01/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/21/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 04/02/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
|
|
|
Web |
|
|
|
| 03/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/18/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/16/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Fax |
|
|
|
| 03/05/2015 |
Yes |
|
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Phone |
|
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
- Other financial service
- Check cashing
|
|
|
Postal mail |
Older American |
|
|
| 02/12/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 02/03/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/29/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 01/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/24/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 01/21/2015 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/16/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/09/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Older American |
|
|
| 01/05/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/27/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 12/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
|
- Lender damaged or destroyed vehicle
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/20/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
- Other financial service
- Check cashing
|
- Customer service/Customer relations
|
|
Phone |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/12/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
Servicemember |
|
|
| 12/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/23/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 11/20/2014 |
Yes |
- Prepaid card
- General purpose card
|
|
|
Web |
Servicemember |
|
|
| 11/19/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
|
| 11/19/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/19/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 11/18/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
|
| 11/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/05/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/01/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 10/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
|
| 10/14/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/11/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/11/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/05/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 09/29/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 09/17/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 09/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/31/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/30/2014 |
Yes |
- Prepaid card
- ID prepaid card
|
- Managing, opening, or closing account
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 08/27/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 08/26/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Phone |
|
|
|
| 08/24/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Older American |
|
|
| 08/23/2014 |
Yes |
- Prepaid card
- General purpose card
|
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
Older American |
|
|
| 08/14/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 08/12/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 08/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/31/2014 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 07/30/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/26/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/24/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 07/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/16/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 07/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
|
| 07/14/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/12/2014 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/12/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
|
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
|
|
|
Web |
|
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 05/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/28/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Postal mail |
|
|
|
| 05/20/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 05/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 05/14/2014 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Fax |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 05/05/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/03/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 05/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
|
|
|
Phone |
Older American |
|
|
| 04/08/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Phone |
|
|
|
| 04/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/04/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/31/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
|
| 03/21/2014 |
Yes |
|
|
|
Web |
|
|
|
| 03/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 03/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 03/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/26/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 02/03/2014 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 02/01/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/01/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 01/29/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 01/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/21/2014 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/17/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Servicemember |
|
|
| 01/15/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/14/2014 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
|
| 01/13/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 01/08/2014 |
Yes |
|
- Applied for loan/did not receive money
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|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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|
Web |
|
|
|
| 01/03/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/23/2013 |
Yes |
- Money transfers
- Domestic (US) money transfer
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|
|
Web |
|
|
|
| 12/19/2013 |
Yes |
|
|
|
Web |
|
|
|
| 12/16/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
|
- Can't stop charges to bank account
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|
Web |
|
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| 12/06/2013 |
Yes |
|
- Charged fees or interest I didn't expect
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|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/04/2013 |
Yes |
|
- Payment to acct not credited
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|
Web |
|
|
|
| 12/03/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/03/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
Servicemember |
|
|
| 12/02/2013 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
|
| 12/02/2013 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 11/26/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/22/2013 |
Yes |
|
- Received a loan I didn't apply for
|
|
Postal mail |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 11/19/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
|
|
|
| 11/15/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Phone |
|
|
|
| 11/15/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
|
| 11/12/2013 |
Yes |
|
- Applied for loan/did not receive money
|
|
Postal mail |
|
|
|
| 11/10/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/09/2013 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/09/2013 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
|
| 09/12/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 09/05/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/03/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 08/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 08/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/19/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/16/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 08/05/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 07/30/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 07/19/2013 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 06/20/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|