Ace Cash Express
Reviews and Complaints

I agree with you. Ace Express charged me and even harassed me at work stating that I had to pay them $294 plus 15.00 returned charge in cash immediately. And they even said that if I don't pay them back in 20 days, then they will garnish my whole money that I earn from work. They threat me several times and honestly, that's a violation. My boss at work even yelled at the person from them from calling at work. Being honest, I was really embarrassed by that. I think they don't know what is customer service at all! At it's funny because I work at customer service environment and I believe that all customers should be treated the equal with respect and especially reasonable in their situation. I think they never even show that. From my understanding, they are a scam and should be demolished! They are not even licensed with the BBB so, they shouldn't be even charging people for something this stupid. I am done with these loans... NEVER AGAIN WILL I DEAL WITH A LOAN.

i have had many problems with ace and i sent them a cease and desist letter and they still call me what is my next step

Ace Has done the same thing to me also they are taking to court an sueing me I paid them for six months to pay off this loan aqnd they say I owe 470.00 on a 200.00 dollar loan paid 100.00 per mo for six months an i stil owe them 720.00now

Put a block on your account to restrict this company from grabbing any more cash.

strange they added money to your account, did you go through the process of getting a loan through them then suddenly change your mind ?

I recieved a phone call on my cell phone from a male, whom I had difficulty understanding. He stated that I had taken out a payday loan Dec 2017, which I new wasn't true. I told him to supply proof that this company deposited money into my acct around Dec 2017. He stated he needed to speak with my attorney, and will end up paying $5000. I told him that he was full of---- and hung up on him. I haven't heard from him since. The number that he called me from was [protected]. I tried calling the # back a few days later and it just stated that x261059 is unavailable. This is surely a scam.

Complaint is with the interest charged, collection methods and litigation.
I have paid this debt religiously every 2 weeks even when it was not my pay day. I have 4 of these loans from the same company and it was for a medical bill that I needed the money. I work 100% commission and after paying these loans for months at over 300% interest it consumed me. I asked if there is a way to get a final bill and just pay monthly. i was told no can do because this is how they make money. Most people never really pay the debt off by making payments every 2 weeks due to the interest that is charged. They make 4 to 5 times the amount borrowed. WOW! What have I done? A short term loan is now a nightmare. I got sick and I was not able to make the payments every 2 weeks. I got behind and because i work commission I am having rebuild my client base in order to start making money again. They did not want to wait or give a final bill. I tried to work something out but when you have 4 companies calling your job every day and calling your references and family, it became more of harassment. There has got to be a law against this. I have been given probation and now I am terminated due to breaking the company policy of having personal calls. I live in Utah and they can file a judgment and we have a date in small claim court. In addition, they can garnish wages as well. I have just found this out due to research. There has to be some ethics involved here and some place where we draw the line. This is small claim court so lawyers are not permitted. I will try to plead my case but they have the upper hand due to the law here in Utah.
I am seeking a reasonable bill that can take in consideration of the past monies paid toward the debt. I was told that a $30 late fee will be charged and information reported to the credit bureau and other threats if I did not make the payments. So, I made the fatal mistake of refinancing because I was told that was the only alternative. Now I am back to square one with my debt and all the monies paid is gone wasted. That is unfair and some agreement should be made or litigated. I going to Small claim court with the original bill I started with 6 months ago plus over 300% interest plus other fees.

This company took $30.00 from my checking accouont on January 12th, 2017. I e-mailed them letting them know that they were NOT authorized to remove funds. To my surprise I have not been refunded even though I receivd an e-mail from their customer service area indicating that I will get the $30.00 back into my count with 7 - 14 days. I called my bank and filed a complaint.

On [protected], Pay Day Loan Resource Center printed a check, #95581, for $17.93 on my account at Security Bank without my authorization and withjdrew this amount from my checking account. I asked for a refund, but they refused. I never used their services or derived anything from this company. This was a bogus illegal check. I'm going to file complaints with FTC, BBB and Governor's Office of Consumer Affairs. My bank, Security Bank, cashed the check for this company without any ID whatsoever and refuses to take responsibility for their action, also, charging me a $30 overdraft fee. For all I know, this check was printed in jail.

Also when I ask for the number to the company they said that the company had given the acct to them and I needed to go through them when I called them back to get information on their company the guy said "### you" and hung up on me

11/25/10 I recieved the same phone call. I did recieve a loan from a conpamy that i talk to and verified my acct was active and this was a scam. Indian company she told me if they call back to tell them that you do not owe nothing and to stop calling

On 8/25/2017 check number 25091 in the amount of 17.97 was taken out of my account with out my permission please put back in my account now.
Wendy L. Stacey

Am complaining about this person call me Today about loan owe due $629 but $1, 100 interest it was loan in 2013 I didn’t loan this time I know some one use my name as Thief ID information. I will respond to court against Ace cash where approve document information.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf Contact the Federal Trade Commission...

the email I got from a david cooper with a phone number of + [protected] threathen to take me to court for money I do not owe. I work with the fbi and you contact hih and tell him to stop this scamming

This happened to me too. I fell on hard times and needed some money to pay a few bills and I had used ACE before. I ALWAYS choose the "Pick up In Store" option as the means for getting the cash from them as I did this time too. I do that due to the fact that I shop around for the best prices and should I choose to go with someone else, I am NOT obligated to actually GO and pick up the money. I applied for a $650 dollar loan from them and never went to the store to get the money. Not only that, but on the final page of the app, IT PLAINLY STATES-" please call [protected] to finalize your loan application". I NEVER CALLED THEM and I ignored ALL of their calls. I woke up to a text message from my bank saying that a direct deposit in the amount of $650 dollars had been made. THEN, I had my $450 dollar truck payment clear. I do not feel that I am obligated to pay this money back simply due to the fact that I DID NOT CALL AND SPEAK TO ANYONE to finalize my loan and I did not choose the direct deposit option. I have already opened another bank account and I am about to go and close my other one. I did NOT ask for this money

The same exact thing just happened to me too. I checked my bank account right before leaving for work today and I had the usual money. Now it's been 8 hours and i checked it again with a huge $350 deposit I never authorized! Tried calling them but they are closed for the weekend.

I have been ripped off by ACE cash services too.
I am seeking relief from unauthorized action on my account, because of online inquiry which led to a deposit of $350, and than every two weeks withdrawls of $105, and no response to my phone calls or emails.
I never used this money, and I refuse to pay back more than the $350 dollars, because I never authorized this transaction.
I need help from an attorney, who can tell me how to handler this [censored]uation.
thank you.
mitch@someofamitch.com

This company or whoever they are, Keep emailing me saying I owe them money and they will file charges against me, They have my name, SS# and bank account and address, Although the back account is a old one and I no longer live at the address they have, But now today they threathen me and said they are filing for arrest warrant. Are they for real.. Their email is ASC.Recovery@gmail.com, But they say I owe Ace Cash Services. In my line of work I can not go to jail. Someone help! They are very intimating.

I have been receiving harassing emails. They state I owe $ to Ace Cash Services but I never had account with them. No matter what i say they still don't stop. I'm not sure how they got my email but I'm very tired of the harassment. I just got a Final notice today. Not sure what is in store next. If anyone has a way to stop these people or make them pay for thie stress and aggravation. I would love to make them pay $ for all they put people through. I have asked for proof but they can not provide any.

Yes I just received an email from these guys saying that they are going to sue me also and had my ssn by the government. They said they had a signed contract for the loan and everything. I dont even have the bank acct they say that was used for the loan deposit. What kind of BS is this?

This company is withdrawing $105.00 in my checking account without my authorization. I only found out when the bank sent me my statement of accounts. And i keep on calling their phone number but it says always they are close.

STAY AWAY FROM ACE CASH SERVICES THEY ARE A RIP OFF ALL THEY DO IS SCAM PEOPLE OUT OF MONEY. THEY WILL SEND YOU THREATENING.EMAILS AND PHONE CALLS.THEY GO BY MANY NAMES. IF THEY SAY YOU OWE THEM MONEY MAKE THEM SEND YOU A BILL IN THE MAIL, THEY WILL NOT! PUT A STOP PAYMENT ON YOUR BANK ACCTS. AND FREEZE YOUR CREDIT REPORTS. CHANGE ANY PHONE NUMBERS! REQUEST FAMILY AND FRIENDS NOT TO GIVE YOUR NUMBER OUT. I HAVE BEEN GETTING EMAILS AND CALLS THE LAST 4 YEARS AND WILL NOT RESPOND. AND THEY STILL CONTINUE . A REAL CREDITOR CANNOT THREATEN YOU! REPORT THEM TO BBB AND YOUR STATE ATTORNEY GENERAL.

I have been getting threatening emails from ACE Cash Services over a year and never gotten a loan from them.They keep changing the customer lD number and so called loan id and the amount they say I owe.I have called the attorney general's office several times and they tell me that it is a scam.

Yes I got a loan through them (ACE LOAN INC)and they crash my bank account by taking to many payment in one month I didn't know what was going on I thought someone was taking money out without permission I had to close my account and PAY THE BANK MONEY FOR OVERDRAFTS WRECKING MY CREDIT nOW THEY WILL NOT LEAVE ME ALONG SAY i OWE THEM DIFFERENT SUMS EACH TIME THEY CONTACT ME I TRY TO SETTLE BUT THEY WOULD NOT THIS HAS GONE ON FOR YEARS i'M DISABLED WHAT AM i TO DO HELP DAN
Danoll7@rallstech.net

Yes I got a loan through them and they crash my bank account by taking to many payment in one month I didn't know what was going on I thought someone was taking money out without permission I had to close my account and PAY THE BANK MONEY FOR OVERDRAFTS WRECKING MY CREDIT nOW THEY WILL NOT LEAVE ME ALONG SAY i OWE THEM DIFFERENT SUMS EACH TIME THEY CONTACT ME I TRY TO SETTLE BUT THEY WOULD NOT THIS HAS GONE ON FOR YEARS i'M DISABLED WHAT AM i TO DO HELP DAN
Danoll7@rallstech.net

THERE IS NO COMPANY CALLED ACE CASH SERVICES. THIS IS A SCAM. You probably had a loan with Ace Cash Express. This is totally different. DO NOT PAY ACE CASH SERVICES A PENNY... EVEN IF THEY THREATEN YOU WITH JAIL. they will run off with your money & call you for more & more. Once you give them money, they will never leave you alone

I just received an email from these people saying they are suing me for non payment and i never received a payday loan. They say my ssn is on hold by the government and all this other bs. I think they are full of crap and if they are taking money out of your account then you should definitely report it and possibly get a detective to look into the company. Noone is taking my money but this lawsuit bs is just that! Bs!

comin back n fores to my house harrassing me saying we goin to takacting very unprofessional

Dear Valued Customer,
We are very sorry and regret any inconvenience to you in connection with your transaction.
We at ACE value customer service and request you to contact us us at [protected] so we can get your account details and fully investigate this and resolve this to your satisfaction.
Sincerely,
ACE Cash Express

Calls up to 6 times a day! Even if you answer the call so they can remind you the payment is due. Emails that incorrectly say they will debit $1000.00 from your bank account! I get the strong feeling these are people with baseball bats. saying "It's due when I say it is due!"

I disagree with the above comment. You should file a complaint with the FTC. The Federal Trade Commission serves to investigate such harassment and yes, there are laws protecting your rights and they are breaking them. You will also be advised by the FTC to tell Ace in writing to discontinue all verbal contact via registered letter and they can only contact you in writing from then on. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf this link can help you very much in understanding your rights.

If you owe money to Ace, and their employees, not a third party debt collector, is collecting the debt, they are not breaking any laws. That is to say, their business practices may not be the best, but legally IMO( i am not an attorney, nor should my advice be treated as such) you have no case.

Pay the bill in full at once and never do business with them again. Then tell everyone you know how badly you were treated.

I arrived at the location 20 minutes before 8pm doors were locked i was denied service

I went to withdraw funds from my card and the funds wasn't there and that was march 29, 2016 my ref.number is3354712514 my claim number is 2478283 i'm asking for a refund of 494.82 that I didn't authorize the withdrawal I was told that the withdraw was made at ace cash express

I took out a loan with Ace Cash Express and then lost my job in Oct. 2010. I started getting the collections calls and I explained the situation, but they told me they would continue to deposit my check "regardless". I then wrote a letter to my bank instructing them under no circumstances are they to honor any attempt at withdrawal from this company. I am now getting calls from their home office, specifically "Mr. Patterson" who tells me I need to call regarding "my case". I then sent another letter stating I am still unemployed but willing to make payment arrangements. I explained the first 2 checks in January have to go to rent, but after that I was willing to make arrangements with them. Apparently this is still not satisfactory. So my only option is to let them file a civil suit because you can't garnish unemployment wages.

Your contract states that the 3 minimum payments that you are allowed were only reducing your principal by 5% each time and the lump sum left on the loan is the 4th payment. ACE is not required to give you any grace days on the loans, but they give you 5, at no charge. Once the 5 days are exhausted, their computer system automatically ACHs your check. They are allowed to ACH twice. By the way, it is also in your contract that any fees incurred by your banking institution and ACE are your responsibility. Don't sign an agreement unless you fully understand. Payday loans seem like a great idea, but at over 400% apy, you can get over your head in debt FAST. A payday loan should be your LAST resort.

The cash express in my town told me my check was dishonored by my bank, yet bank records show they did not even deposit the check. Now they're saying I owe a "renewal fee", which is extortion. If they had deposited the check it would have cleared in the usual three days but they wanted the cash that day. They are harassing me to the point I had to turn off the ringer on the phone.

They are very wrong for doing that and they are doing the same to me right now. look up your rights in your state. there is a lot you can do. here in Texas, they are only allowed to try to deposit your check 2 times total. otherwise they are in violation of your contract. read your entire contract and highlight places they have violated to use against them when they call. you dont have to speak with them either, hang up on them. send a letter to the corporate office certified mail stating that you want no further contact and to contact you only by US Mail. it is called a cease and decist letter and if they contact you after that, you can file complaints against them. Also, if they are calling you at work, ask your employer to back you up to refute them. if you have an attorney at your work, have him write a letter representing the company you work for and advising Ace and any subsidary they are not allowed to contact you at work. File a complain with the Federal Trade Commision and make a Better Business Report. Also complain avidly to your Attorney General. they cannot take you to jail for this and they cannot threaten you. it is against the Fair Debt Collection Act. Look up the rules and laws in your state and know what they can and cant do to you.