Ace Cash Express
Reviews and Complaints

As someone who values convenience and quick financial solutions, my experience with ACE Cash Express left me with mixed feelings. While the process was straightforward and efficient, I couldn't help but notice inconsistencies in the approval criteria. The friendly staff made the experience pleasant, but the lack of transparency in lending decisions was concerning. Despite the convenience offered, the experience left me questioning the reliability of their services. If you're in need of quick cash, ACE Cash Express might be an option, but be prepared for potential hurdles along the way.

it was on October 12 2023 I had just had a surgery 2 days before and only came out to pay bills and cash a check I came out because of the convivence of .location there was6 2 Ladies working 12 people in line some were complaining. One Lady was sitting down making smart comments I came to this ACE for convienience,and they had just opened back up .I will not return here if this is how Customers are treated.

Received a letter on Saturday 6/3/23 about a check that bounced. after speaking with my bank manager found out that the check did not bounce but that the person that we wrote the check to double cashed the check. Spoke to Kassandra Scott on Tuesday 6/6/2023 and she is the worse rep I have ever dealt with and I have been working in customer service for over 16 years. She would not allow you to speak at all and just over spoke you the entire time. She hung up on me and then called the owner who then hung up on her since she heard the entire conversation and how i was spoken to. Trying to come for a company that didn't do it rather than going after the person that did the double check cashing is crazy to me. It is not our fault that ace dropped the ball and allowed someone to double cash a check. It took me 2 hours to get all the information on who they should go after but when I called Kassandra back she didn't take any of the information and stated that we would have to pay it not the person that cashed the check.

I received an email from cash recovery threatening legal action over $1250 I supposedly owed. I have never gotten a loan through them. It threatens being served by the sheriffs department with a court summons. My husband IS a sheriffs deputy, so I know that this is a scam. They are wanting payments today

Date received May 18, 2023 at 12:43 pm
From Jacqueline Peschke speedy.[protected]@gmail.com
From: CASH RECOVERY DIVISION
Date: Thu, May 18, 2023 at 12:43 PM
Subject: GET LEGAL ADVICE IF YOU DON'T UNDERSTAND
To: JACQUELINE PESCHKE
AMOUNT DUE - 1250
Settlement Amount: 985.50 for Today or two payments of 500.00 from Today.

Dear,

We regret to inform you that due to your unpaid due amount of $1250 to (ACE Advance, OLS USA, ACS verified group), from today, we have passed your case to court. You are to be contacted by court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear in court where you can present your defense.

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 with a court summons at your doorstep.
If you wish to settle the outstanding amount, please do not hesitate to contact us.
Yours faithfully,
Settlement Department

Been with them for years big mistake was staying unauthorized transactions to many bank of America is better any real bank is better they don't even try to stop it the let it pend until you call them a regular bank will protect your money better this company should not exist November 11 2022 13 transactions were made that they should of stopped without me calling

On 8/4/2021 I went to your facility to load funds on my card. It was around 9:20 am or 9:30 am something like that or maybe a little somewhat going on 10:00am somewhere in there. I gave the person the money and told her to take the fee out of, she ask me to show her my card then I said why do I need to show you my card all I really need to do is swipe the card. Then I swipe while she's counting the money, then she proceeds to ask me "what's the name on the card"?, then I say why do I need to tell you that?. She says "I don't know why this is a policy" I need to know the name on the card, I said as long as I've been coming in here no one has ever asked me who's name is on the card. Then I say I'm not telling who's name is on this card just give me my money back she did and I let out. I don't feel as a customer I need to be asked to show or definitely not have to give the name on the card that's being loaded. As long as the money is given for this type of transaction there shouldn't be any problem doing so.

Hello,

Thank you for showing your interest in the Loan with our bank Ace Cash Express and this is the confirmation e-mail to let you know that the loan application you applied for has been approved.

Your loan has been approved for the minimum of $3000 and the maximum is $10, 000 and your Loan Application Approval Number is RTPN-786143.

Please call us back on our number or reply to this e-mail so that we can call you and explain you the terms and condition of this loan.

Also we have mentioned below the monthly installment plan for the loan of amount from which you can choose any of the following you are comfortable with and you can pay up your loan back with easy monthly installment.

For $3000 Loan, Total Pay back $3300, Monthly Installment $100.00 for 33 Months

For $5000 Loan, Total Pay back $5400, Monthly Installment $150.00 for 36 Months

For $8000 Loan, Total Pay back $8800, Monthly Installment $200.00 for 44 Months

For $10000 Loan, Total pay back $10992, Monthly Installment will be $229.00 for 48 Months

To know more about monthly installment plans for this loan amount please call us back on the number below.

In order to get this loan there is No Upfront fees, No Security Deposit etc. In order to get this loan you don't need to pay a single penny from your pocket.

Furthermore, we would like to share that once the loan is transferred into your account the first monthly installment will be due within the first 30 days on the date you will give the authorization for.

Here we are affiliated with the FTC (Federal Trade Commission) and BBB (Better Business Bureau). So here we will not ask you for any money.

For more information you can get back to us on our number (786)378-6428 or e-mail us on krishroger0000786@gmail.com

We look forward to hear from you.

Thanks & Regards,

Krish Roger

Sr. Loan Account Manager

Ace Cash Express.

+1 (786) 378-6428

Mobile Deposit Submitted
Yahoo
/
Inbox

envistaonline@envistacu.com
To:
[protected]@yahoo.com

Jun 7 at 5:37 PM

Your deposit Receipt Reference [protected] has been received by %ECAcceptedBy.
__________________________________________________________________
DEPOSIT STATUS
__________________________________________________________________

Account: x33=9
Amount: $945.00
Receipt: [protected]
Date: June 07, 2019 3:37 PM PT

Funds availability: Availability of your deposited funds is based on your financial institution's hold policies..

Sign into %ECAcceptedBy to view a complete list of your approved deposits.
__________________________________________________________________
You have received this email as a service of Envista CU because of a recent
transaction.

Please do not reply to this email as this is an automated notification and will not be
received.
__________________________________________________________________

Mobile Deposit REJECTED3
Yahoo
/
Inbox

envistaonline@envistacu.com
To:
[protected]@yahoo.com

Jun 10 at 8:28 AM

Your deposit Receipt Reference [protected] cannot be accepted by Envista CU.
_________________________________________________________________
DEPOSIT STATUS
__________________________________________________________________

Account: x33=9
Amount: $945.00
Receipt: [protected]
Deposit Date: June 07, 2019 3:37 PM PT
Rejected Date: June 10, 2019 6:26 AM PT
Rejected Reason: Altered/Fictitious Item
Status: Returned

Sign into Envista CU to view a complete list of your approved deposits.

If your Mobile Deposit was REJECTED due to the endorsement, please check to ensure
your endorsement includes your signature and the written statement ?For Mobile Deposit
Only to Envista Credit Union?

If you have additional questions about your mobile deposit, please contact our team at
member.service@envistacu.com or 785-228-0149. We are here to help.
__________________________________________________________________
You have received this email as a service of Envista CU because of a recent
transaction.

Please do not reply to this email as this is an automated notification and will not be
received.
__________________________________________________________________

lawsuit court case file no : 942101-ny-km-107

lawsuit cost - $3565.69 (including attorney fee/court fee/all taxes)
last date to file lawsuit - september 12th 2017.

loan information

case file no : 942101-ny-km-107

total amount - $864.86

creditor: ace cash services

settlement amount - $421.00 today

We are going to be legally prosecuted in the court house within couple of days. Your Docket no: [protected], Advance Cash Net Usa Services Company in order to notify you we were not able to get hold of your case file any more. So the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you.. We regret that if we do not receive your response within the next 24 hours, we shall have no alternative but to take action through your local County Court to recover the amount due together with court costs and legal fees which is approximately $3565.79 We give you last chance to settle this account else we have to forward this case for legal department, If once the case gets download in the court then it will add Late payment fees, Documentation fees, Penalty fees, Judge fees and Attorney Charges and Court House fees which may go up to $3589.27

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. And our company (Acs Inc) has authorized us to recover the full amount due to them as we put your SSN into our national checking database system, we found that you have been never charged for a fraud activity & that is the reason court 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 ssn., 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 $3565.79.

If you would like to make a one-time final payment to settle your account, we can waive all fees and freeze the existing cash advance thus taking your balance down from $864.86 to $421.00 One-ti me final settlement amount for today once you will have full & final receipt once you will make the payment ACS collection department we can send you settlement letter along with transaction ID stating that your account has been closed with zero balance for your record purpose.

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 immediate action you.

We do hope that you will work out with this offer. Or, else we won't be able to help you out. You can avoid this by taking care of this now. Do revert back if you want to get rid of these legal consequences and want to make the settlement amount or else the case will be downloaded against you next week. 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.

This email is to inform you that now you are directly contacted with accounts department of Ace and we are handling your case file so it is our request to you has to make the payment directly to accounts department.

We are talking about the creditor Ace Inc. ACS is the mother company which owns & operates more than 350 parental payday loan websites cash net usa, cash america & 500 cash advance, personal cash advance, rapid cash, cash america payday advance, sonic payday, speedy cash check cash loan, egg loans, quick payday, personal cash advance, allied cash, super pawn, check into cash, check smart, cash america net, cash america etc. And you have used cash net usa get this loan approved. as a user of the products and/or services offered by a Cash Advance Related Company.

This is our final notification to you as we found you to be a genuine person as told you before. If once the case gets download in the court then it will add late payment fees, Documentation fees, and Penalty fees, Judge Fees and Attorney Charges and Court House. 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 12 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.

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 reportas you are a defaulter on this credit, united legal investigation bureau has stated three 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 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 12 hours of the date on this letter,

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 when you can pay the requested $ 421.00 to settle this case. 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. 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 which is named and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to $3565.79.

kindly let us know if you are willing to resolve this case so that we can offer you the settlement amount and if not than we have to download this case forcefully against you into the court house again if you want to resolve this matter than contact us immediately thru email

reply email back immediately with your final answer so i can move on further on the basis of your answer.

again if you want to resolve this matter then contact us immediately thru e-mail or call us at +[protected] during working hours (from monday to friday 09:30 am to 05:00 pm pst

united states of attorney & attorney general usa

copyright © 2006 acs | privacy | terms of use

thank you for being our customer.

Best Regards,

Andrew Carter (sr. investigation attorney officer collections department)

Ace Case Services.

United States.

Austin, TX

Phone: + [protected]

I see that this is routine with this company, ace cash services. i have copied two emails for you to review. i haven't opened them and basically ignored them because i never heard of them. i have used pay day loan services and keep records. they are: check and go, cash central and cashnetusa.

5-5-17
Notice

Loan information:
Docket number: [protected]
Case file #: nt - 84517
Past due amount - $958.75
Creditor - ace cash services

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 $958.75 amount has been overdue and you have ignored multiple requests to make payment. the legal proceedings and amount which the court orders, amounting to $3931.08 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 +[protected]
between 9:00 am to 6:00 pm (est)

Ace cash services
Phone: +[protected]
Department of law & enforcement(acs)
Copyright © 2017 acs | privacy | terms of use

8-24-16
Customer id: [protected]
Case file #: wc-552371
Loan information
Past due amount - $ 975.45

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 $3931.08 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 between working hours 9:00 am to 6:00 pm (est).

Note:-for any query concern you can write with us [protected]@ace-cash-services.com

ace cash services
Phone: [protected]
Department of law & enforcement (acs)
Copyright © 2016 acs | privacy | terms of use

Please note: that neither email addressed me by name or my email address.

Anything you can do to end this nerve-wracking scam would be appreciated.

I took credit from Ace Cash Services. I have made all my payments on time and there were no delays. Unfortunately, this company hasn’t been professional or honest. They started to send me emails with the threats and harassments. They wanted to get the full sum as soon as possible. No explanation why. They treated me like I was a thief and spoke in very unpleasant manner. Don’t do business with them.

I have been receiving several emails from them saying I owe them $. I have never had an account with them. I asked them to provide some proof but they couldn't. They said I should get an attorney because I will be sued if I don't pay. This has been going on for about a month. It is very stressful. What can one do about these scams? I'm presently in a wheelchair from back surgery so I don't need the aggravation. I'm not able to get around much, but they keep asking for a money gram. Something should be done about these people. Please advise.

Do not give any information to these people. They are scam artists! I called ace cash services to make sure i wasn't wrongly accused and they said this is a total scam and do not give any bank or personal information to the people contacting via phone or email. Please be safe and look into it!

This is the email i received:

Amount due: $945. 67

Case file: ca / 9 - 565581

Lender: ace cash express

Dear debtor,

Our company (Acs inc) 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 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 county court to recover the amount due together with court costs and legal fees which is approximately $4203. 86

As you are a defaulter on this credit united legal investigation bureau 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, acs 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 or alternatively email or call us at +[protected] now to pay or agree a repayment plan with us.

Again if you want to resolve this matter than contact us immediately thru email or call us between working hours on +[protected]. (From monday to friday 09:30 am to 05:00 pm est) .

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. [protected] 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.

I want to advise other people to use the services of www.acecashexpress.com. We searched for extra money and decided to use the services of this company. But these people asked to provide tons of papers. They asked to send bank details. When they received all information, they stopped to call me and send emails. Now the situation really bothers me, because they have too much information about me.

I took loan from the company www.acecashexpress.com. I have already returned it, but the agents started to call me and sent emails. They also threatened me and asked to pay the loan back as soon as possible or they would open a case against me. I already provided the proof that the loan was returned, but they couldn’t calm down and continued to send fake threats. Abominable company and the right decision is to avoid them.

I took out a car title loan in oct. 2012 to pay for high medical bills (I have cancer) i fully understood the high interest rates but was deperate. My payments were $559. 00 monthly. Every month but 1 i paid $600. 00. The one moth i only paid $500. 00. . Cash xpress repoed my car today for $14. 00 in late payments for that one one month. (Febuary) . I paid $600. 00 in march and they never said a word. I was actually ahead of schedule on my payments

Filled out application online, signed electronic application and was approved for a 400 payday loan. Was asked to call a number to verify information. Called and woman stated she needs to ask my bank two questions; one to make sure my account was active for more than 30 days and two to make sure I had direct deposit. Both were answered yes then she asked my bank how much money is in my bank account and I stopped the conversation there. She did not have permissions to ask more then the two questions she inquired about. She then denied the loan stating if I have nothing in my account then the loan is void. If someone had money in their account any would they be applying for a payday loan? That is a immoral a sleazy way to gather peoples personal, banking, and job information and they never intended to give a loan. That is fraud to obtain peoples personal information. Again, I was subject to receive the loan after submitting the application and have a copy of the electronic agreement signed.
If were not applicable to receive the loan that is not an issue, it is the fact they used false pretenses to obtain personal information on people (their work, bank, home, etc.) with no intention to pay out. I totally qualified for the loan. Now I am reporting them to the US fraud Division, BBB, and all online complaint forums.
Their methods are illegal and immoral. Their banking establishment is through META BANK! Do NOT trust this company Ace Cash Express.

On 9/18 and 9/24 I made a payment to my Frontier Fios account. I received my Frontier bill on 10/7 and returned to Ace Cash Express to inquire about my payments since they were never received by Frontier. I have returned on 3 occassions to complain to Ace Cash Express and each time I get the round around. As of this day 10/15 Frontier has not recieved my payments and Ace Cash Express has not been able to tell me where the money has gone nor have they refunded me my money so that I can pay Frontier Fios.

On July 27, 2010; I made the payment to pay off my loan, as well as the returned check fee for ACE Cash Express to what is now known as Midwest Recovery [protected]). After a year of not applying for a payday loan through ACE Cash Express, I needed to go through them again to get another loan, after being told last year by the Representative (Mr. Josey, Mr. Brown and Mr. Jackson) that I would be able to, and that the debt was now considered "Resolved, free and clear."
When I applied for the loan with ACE Cash Express on June 10, 2011; ACE Cash Express told me that their system still shows that I owe them money from last year. I have e-mailed the Recovery department five times now, with the evidence to prove the debt was paid off last year, even faxed the information via ACE Cash Express's fax machine, as well ; and they have done NOTHING to resolve it. However, Ms. Morgan Taylor and Mr. Richard Chin of Midwest Recovery stated, "If you pay us another $285.00, we'll waive the processing fee of $15.00 (which nobody ever told me about, that there was an additional processing fee)."
I showed them the evidence, and they refuse to remove it from my records or even clear it from my credit report (for nearly a year).
There were three transactions. in July of 2010 they took out the owed amount of $385.00. Three months later, they credited it back, BUT took it out again that very same day in December of 2010, after my bank account was closed. However, my bank clearly allowed them to get their payment, and NO further crediting was made after that point. I went out as far as January 2011 to see for any crediting or changes- there were no changes, even when I tried looking up information on my bank statement beyond January 2011. There was NO information, as my account was closed.
The evidence I have is only allowed in .htm format. I don't have the files that are in any of the respected formats, but I do have the files on my computer, in my home.

Thank you!

I went to Ace to purchase a money order in San Marcos Texas as I have an account with them. Not only did they charge me $1.79 for the money order, which is fine, they charged me an additional $3.00 and the kicker is, they charged me another $10.23 for a convenience fee? Convenience fee? I could have gone to my local grocery store and purchased a money order for a flat fee of $1.79, and they refuse to credit my account! I called Customer Service and they were no help! What a joke they are!