Complaint Review: ACE Cash Express

Received email with the following:

COLLECTIONS & LEGAL DEPARTMENT ACE/USA

PAST DUE AMOUNT- $964.52

CREDITOR - ACE (ADVANCE CASH SERVICES)

INVOICE NO: 71656944

Dear Debtor,

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, ACE 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 $5873.81 against you, we request you to kindly pay the Court Restitution Amount which is $964.52. 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 pretence 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, ACE INC is seeking either of the following remedies:-

All funds to be returned as per terms of initial contract.

The principle amount and now with the late fee and taxes it includes the Attorney charge, NFS Charge, Affidavit Charge, Rate of Interest the initial amount goes up to $964.52.

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 your loan to settle this case.

To resolve this issue reply back on the same email.

NOTE: THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 

Collections & Legal Department

ACE Inc © 2017  |  | 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, re transmission, dissemination to unauthorised 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.

I know this is a scam, I've never not paid anything I've ever borrowed. I also asked for written validation which gave a fake letter with zero actual information just stated that I owed them money with the name for signature as Mark Smith. They also go back and forth between Ace Cash Express and Ace Cash Loans.