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Ace Cash Express
Overall Satisfaction Rating
1.39/5
  • 5 stars
    16
  • 4 stars
    5
  • 3 stars
    8
  • 2 stars
    16
  • 1 stars
    243
Based on 288 reviews that contain star ratingsSHOW RATING DISTRIBUTION
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    Ace Cash Express

    ConsumerAffairs Unaccredited Brand

    This company is not yet accredited. To learn more, see reviews below or submit your own. Want to know more about ConsumerAffairs accredited brands? Check out ConsumerAffairs for Brands.

    Last updated: April 22, 2018

    360 Ace Cash Express Consumer Reviews and Complaints

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    Verified Reviewer Verified Buyer
    Original review: April 22, 2018

    I have gotten two payday loans with this company. My experience was positive both times. The application process was seamless. When I contacted customer service, the representative was courteous and professional. This is the only company I will continue to do business with.

    Ace Cash Express response
    Hello Cindy,

    Thank you for your feedback! At ACE, we are proud of the dependable, quality service that we provide. It’s great to hear that you were fully satisfied with your experience with us! Thank you for being a loyal customer!

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    Verified Reviewer Verified Buyer
    Original review: April 15, 2018

    Stay away from this non-accredited business. I was alerted by my credit monitoring that a hard inquiry by Ace Cash Express was reported. After going through several phone calls of which no one could tell me anything I was given an email address to write to. All I wanted was for them to remove the inquiry from my report and to send me a Credit Inquiry Removal Letter.

    They are being unruly, they did not ask for consent to do a Hard Inquiry which is a requirement, the loan would have been secured via ACH should I have taken it. They will ruin your financial life for 2 years. Imagine going to a bank for a car loan and they see on the traditional 3 major credit bureaus that a payday lender is listed as an inquiry, which is unheard of when it comes to payday lending and small dollar loans, the bank will laugh you out the door. ACE Cash is not an accredited business and gets security from ACH or debit cards as a payday loan lender.

    Again there was no consent to do a hard pull from the 3 credit bureaus. They have also without permission pulled money out of my bank account and I have no business with them! STAY AWAY! They need to remove these hard inquiries from my credit files. I do not agree to them. I canceled the loan prior to signing it up, I went to the storefront whom the Manager Shirley? or Cheryl? in Kansas City, KS Stated that ACE cash has never done hard pulls on one's credit file. But they have done so. I will be writing the Texas Attorney General and possibly suing for financial damages. 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.

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    Resolution In Progress
    Verified Reviewer
    Original review: April 3, 2018

    I was alerted by my credit monitoring that a hard inquiry by Ace Cash Express was reported. After going through several phone calls of which no one could tell me anything I was given an email address to write to. All I wanted was for them to remove the inquiry from my report and to send me a Credit Inquiry Removal Letter. They informed me I would need to file a police report if I didn’t “apply for these loans.” First of all I was never told there were actually loan applications in my name, and certainly nothing specific like when, or where or what information was given.

    Am I supposed to go to the police saying “I need to file a report because my identity was stolen” and then say “Based on what evidence?” And I respond with “Ace Cash Express ran my credit without my authorization.” Beware of this company. They obviously either don’t verify anyone’s identity or if they do, they somehow make it your fault/responsibility when they run a fraudulent credit inquiry. I’ve never used Ace Cash Express but if this is how they do business I will be making it a point to warn everyone I come across not to use them.

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    Ace Cash Express response
    Hello Crisandra,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

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    Verified Reviewer
    Original review: March 22, 2018

    I received an e-mail stating I'm approved for an installment loan. So I called and they asked all sorts of questions regarding my banking then told me they needed me to provide them with my personal banking login information as they would make a trial deposit in my account then go in and withdraw that - then send me the amount they indicated I was originally approved for. No way would I give anyone access to my bank account. BEWARE and do not give access to your bank account to these people - very scary!!!

    3 people found this review helpful
    Verified Reviewer
    Original review: March 21, 2018 Ace claims I took a payday loan online and they're suing for non-payment. I told them I never took any loan from them. I have never even cashed a check at their establishment. They claim to have 14 things of evidence and my computers IP address. They said loan was deposited in Bank of America. I have not had them for at least 7 years. They claim the loan was for $300.00 and if I don't pay I will pay like $4,200 with court costs. I never had anything to do with this company ever.

    What the hell kind of company gives loans on the internet without picture ID just SSI and checking account and a phone they can reach you.

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    Verified Reviewer
    Original review: March 3, 2018

    Took out and paid my payday loan. Months later they are trying to take $20 out of my checking account. When I call them they say I owe $0. But that they can take it and to read my contract. No correspondence regarding any money owed has ever been received. Reported it as a fraudulent charge.

    Ace Cash Express response
    Hello Angel,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

    3 people found this review helpful
    Verified Reviewer Verified Buyer
    Original review: Feb. 8, 2018

    I needed a quick payday loan for an emergency to pay back in 4 payments on a set payment schedule. I made first payment on exact due date. The second payment was paid 2 weeks before the due date. The day after the second payment the remaining two payments plus a $20 fee was pulled directly from my checking account. This practice was an illegal draw as I was not past due. I contacted both the home office and the local office demanding they remove the draw on my account as it over drafted my account sending back a regular auto payment which has been set up to pay my monthly utilities every month. The corporate office told me to go to the local office to fix it as they would approve it.

    The local office staff person was totally rude and yelling at me blaming me for yelling at her worker (which I was not, just mentioned her name as she set up the original payment plan). If there had not been a glass window stopping her from getting close up to my face I was appalled by her actions as her hands were showing aggression towards me in a threatening way. She insisted that their home office could not approve advancing funds as they do not know the laws. Best advice I can give anyone considering using their company for fast cash in an emergency is to go elsewhere to obtain help since they will draw your funds out of your account at any unapproved time and there is nothing you can do to stop it.

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    Ace Cash Express response
    Hello E.S,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

    2 people found this review helpful
    Verified Reviewer
    Original review: Feb. 6, 2018

    In a nutshell how are you going to tell me I was only given a 200 dollar loan based on my credit!! First of all you want to be important and placed with the high rollers in the banking industry but you're not! How are you going to judge me based on my credit as it is a little over 600+ and what makes you think you can run my credit with access to my bank by personal check and... my debit card!! Really!! I'm reporting your illegal operation for even doing a credit check on a payday loan and trust you guys were just a last minute and paying back loan in a few days!!! How dare you!...

    As if it wasnt for the many many customers you have... you would be out of business now!! So stop doing hard credit checks and realize that you are not a federal reserve bank!!.. As so many of these payday chop shops have been closed due to their greediness!! I am pissed as you had the audacity to check my credit in order to decide on the amount I should receive!! This is not the last time Ace Cash Express is going to hear from me... I am LIVID!!!

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    Ace Cash Express response
    Hello Lisa,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

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    Verified Reviewer
    Original review: Feb. 6, 2018

    First off, they asked him where he got the check. I guess if you send back phone cards you didn't need from Christmas you're targeted. Sprint issued the check. He called sprint in front of them and they were very rude. The Mexican chic asked him was he talking to someone that was pretending to be a sprint. My son's not a liar. But they racial profiled him. We took the same check over to Bank of America. And they said the check is real!. That she obviously don't know what number to use. That they would have cashed it. Now my son has to call Sprint. And get another one issue. Military people keep your kids away! Don't go to the one on rancher... Never again. It's a shame hard working people gonna put up with these type of idiots.

    Ace Cash Express response
    Hello Keeba,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

    3 people found this review helpful
    Verified Reviewer
    Original review: Jan. 18, 2018

    I applied for a bad credit loan on the internet for $5000. I received several texts from Ace Cash Express asking me to call a Mr. S. ** at **. I did not returned the call. I received a text this morning stating that I got the loan and what my payments would be monthly. I text back to see if it was true and I was texted back confirming the loan, so I called. After I verified my banking information and social security number, Mr. ** told me that I needed to pay $220 upfront before the funds can be transferred to my bank account.

    I told him to shred my information because I did not have any money to pay an upfront first monthly payment. Then he text back again stating: "Congratulation." Telling me the monthly payment amount of $233 and the duration of the loan 24 months. Then he stated, "As a Company don't believe any upfront in form of, credit or debit card. So please call at below number Now! to get money cash within 45 minutes!!! Thanks & Regards Spencer ** Ace Cash Express". This sounds strange.

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    Ace Cash Express response
    Hello Sharon,

    ACE is aware of fraudulent emails from individuals claiming to be from ACE Cash Express. These individuals may tell you that you are approved for a loan, provided that you are able to provide a “test deposit” beforehand. In reality, these are fraudulent attempts to solicit money from you, and they are NOT from ACE Cash Express.

    6 people found this review helpful
    Verified Reviewer
    Original review: Dec. 31, 2017

    On 12-8-2017 I attempted to get a Visa debit card. Gave employee 400.00 to place on card. She said all good. 387.00 was card. I tried to use card. It was rejected. I went back to a rude women. Said my 400.00 was returned before I left store. I Am disabled, fixed income. Ace Express Denver Corporate ignoring my complaint.

    Ace Cash Express response
    Hello Brian,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

    6 people found this review helpful
    Verified Reviewer
    Original review: Dec. 17, 2017

    The manager at the location on Grand Street in St. Louis, Mo has no customer service skills to do her job. She talks down to customers in the store. While you wait you can hear her say negative comments about the customers that use the service. I would not recommend using Ace Cash Express under any circumstance. When I asked the manager for her supervisor name and contact information, she refused. Daniel should not be in management.

    Ace Cash Express response
    Hello Harold,
    Thank you for your feedback. We apologize for your poor experience with ACE

    and want to better assist you. In order to accurately review and address your issue, we will need some additional information from you. Please contact us at customerservice@acecashexpress.com with your name and contact information, and someone will get back to you as soon as possible. Thank you!

    2 people found this review helpful
    Verified Reviewer
    Original review: Nov. 14, 2017

    Don’t go there! I went to the one on Cave Creek and Greenway and dealt with Jaime. He entered my info - printed out paperwork - had me sign everything so fast (my head was spinning) and denied me. They said because my phone number didn’t match me or my bank account. What??? It’s all in front of you! Made no sense. They basically said “have a nice day… next please”. Oh and they run your credit without permission! It was awful! Never do business there!

    7 people found this review helpful
    Verified Reviewer
    Original review: Nov. 8, 2017

    I had a text message saying I was approved for a loan. After giving all my information, AND supposedly, before the money could be deposited into my account I has to pay. I was supposed to get some money send at Western Union. Which I did not have, so after I told the man no Western Union he wanted iTunes cards. He got me for 250.00, I later called iTunes. The account for iTunes was in China, after I reported it to the police and had my bank information changed.

    11 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 27, 2017

    Stay away! If you’re a day late on your payment and they can’t reach you, they’ll call and harass your relatives, friends and acquaintances about your loan. They’ll tell them it’s for a lawsuit which isn’t true. I tried making a payment for my husband over the phone but since I wasn’t on the disclosure list they couldn’t discuss any information regarding the loan with me. I told the representative that was fine I just wanted to make a payment for whatever the amount was past due. She kept asking “How much is due?”

    I told her the dollar amount and that I didn’t know the exact change. She kept repeating that she can’t discuss that information with me and I told her “I don’t want to discuss the information, I just want to make a payment for whatever the amount is past due! You don’t even have to tell me the amount. Just charge my card!” She refuses and I asked to speak to her manager. Luckily her manager was very nice and was able to assist me with the payment. It’s ridiculous that I had to go through all of that just to make a payment.

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    7 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 17, 2017

    Do not use this company. They get your bank account info and try to take out 75.00. Why would you be asking for a loan if you had 75.00. So now I’m going to have to change all my banking information because I’m afraid of what they will do with my info. When I told him I didn’t have 75.00 he hung up on me. If you get a text or email from them saying you’ve been approved, delete it! They are frauds!

    14 people found this review helpful
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    Verified Reviewer Verified Buyer
    Original review: Oct. 2, 2017

    Everything about this email said scam: "We are pleased to inform you that your application for online loan has been approved and we are waiting to transfer the amount. Please go through the attachment of loan approval and agreement papers for $5000 from Ace Cash Express. Your loan account number is **. Please call us back as soon as possible to process this application." First off, his email address was **. He said his name was Steven ** but he sounded like he was from India, no offense but he didn't sound American whatsoever. He couldn't provide the company's EIN # and stuck with his lie in terms of ACE Cash having 2 sectors. If you receive the email above, please don't play yourself.

    34 people found this review helpful
    Verified Reviewer
    Original review: Sept. 11, 2017

    This is the far and above worst company I have ever done business with... every time I go in to do a simple deposit or money order I end up waiting for a half hour only to be greeted by rude employees. The fees are ridiculous... customer service is wretched!! Please hire more people and stop ripping people off!

    14 people found this review helpful
    Verified Reviewer
    Original review: July 22, 2017

    First off when I initially needed to borrow money from this rip off company, I was never told that I would need to bring a personal check each time I came just to re-borrow. So I arrived 2 days early to pay my loan and re borrow only to be told I was denied for using counter checks given by the bank teller. So not only did I pay my money only to be denied of getting it back but my business was conducted under false pretenses, and at this point I am highly seeking litigation against this company. Such a rip off!

    28 people found this review helpful
    Verified Reviewer
    Original review: June 28, 2017

    Do not give these people your information. They ask for all your bank information as well as login and password to your online banking account which I was very hesitant to give but the representative assured me the information was only to verify my account. After asking for a second access code I asked to speak with a manager and someone I could understand better (he had a strong accent. His name is Alex). The representative stated I was rude and that he was the manager and he would not approve my loan and then proceeded to threaten to share my bank information online and hung up the phone. Very unprofessional! Scam!!! Stay away from these crooks!!

    39 people found this review helpful
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    Verified Reviewer
    Original review: June 28, 2017

    I started using Ace Elite 2 years ago because they say their deposit is 3 days faster but it isn't. They are no faster than anyone else. The customer service never know anything about the deposit. They always claim they are just the receiving end. I don't like it at all. I need to go out of town and waiting on them to direct deposit my check is worst than waiting on the mail.

    18 people found this review helpful
    Verified Reviewer
    Original review: June 1, 2017

    There are scammers out there using the Ace Cash Express company name. The scammers telephone number is **. The real Ace Cash Express number is 972-550-5000. The scammers called me and wanted my routing number, bank account number and bank password. I told them I was not comfortable providing this information and they hung up. Person barely spoke English.

    57 people found this review helpful
    Original review: May 24, 2017

    I have been going here for months cashing personal checks my mom writes for me. Sometimes just because I cashed 3 checks in 3 days in a row they accused me of stealing them. My mom name was on the check and I have the same last name. They even called my mom several times and when they accused me and my checks always have went through they always get paid and they denied me and treated me like a criminal. Worst experience I ever had.

    22 people found this review helpful
    Verified Reviewer
    Original review: May 4, 2017

    I received an email stating that I owe them $1,027.35 on a $400.00 loan, that I supposedly took out in Sept 2014. I requested a copy of the loan documents and proof the funds went into my acct. They have not been able to produce this documentation. They sent me a statement. This does NOT prove anything. They are unable to provide any proof. I never took a loan with them. I went back to my bank statements and emails and I do NOT have anything from them.

    41 people found this review helpful
    Verified Reviewer
    Original review: May 4, 2017

    I come to Ace every 2 weeks to pay my car note, faithfully. I had a problem with one of the employees one day and called the DM. She, I guess, was out. So the DM of Tulsa called me. He informed me that's not how they treat their customers and that he would pay my next car note. Well when I came up here to pay it, the lady called Randy and told him why I was there and he LIED and said he would only pay my PROCESSING fee of $3.99. He wouldn't even speak with me on the phone because he knew HE LIED. I will NEVER return to Ace for ANYTHING. They have horrible customer service and horrible supervisors. I think I'd understand if he said A CAR NOTE And THE FEE. Ace just lost a great customer.

    18 people found this review helpful
    Verified Reviewer
    Original review: March 27, 2017

    This is the worst service ever. The customer service hangs up on you when they get stomped on questions. The dispute department sucks. One rep told me my money would be processed and sent out within 10 days but called back 5 days later and nothing was ever processed... then I was told I had to wait 10 more business days. I was with these people since 2010 and it took disputes of wanting my money back and account closed to see how trash Ace elite is. I have advised my friends, family and patients not to bank with this company EVER.

    12 people found this review helpful
    Original review: March 27, 2017

    Well I applied for a loan online. It said I was approved for $200, well I was looking for info on employment time frame. I wanted to make sure I qualified but there was nothing that said how long you have to be on your job. Well I called customer service and the woman on the other end was rude and was rushing me as if I was bothering her as if she is not being paid to assist customers or something! Well anyway, I asked her, "How long do you have to be on the job to get a loan?" She referred me back to the website, but I told her the website does not say, well she says "I am not allowed to tell you that. I just need you to link your bank information!"

    Why would you be more concerned about my bank account versus making sure I have income to pay back the money and have been on my job long enough to have a first paycheck? Well after reading these reviews I am nervous, they have my bank info and online it says I was approved but I just want to cancel now, from the rude customer service rep to all these fraud reviews I no longer want to deal with this company!

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    14 people found this review helpful
    Verified Reviewer
    Original review: Jan. 30, 2017

    Complete scam. I was issued a NetSpend card WITHOUT my knowledge. I went into the Ace Cash Express at 228 Eastway Dr, Charlotte, NC 28213 a few weeks ago to cash a money order. The associate started asking questions like my social and my driver's license. I was caught off guard, so I gave it to her first, and then I was puzzled that she was asking so many questions to cash a money order. So I asked her if she needed all this information, and she said "yes, we need it since this is your first time here". After cashing the check, she gave me a VISA debit card and said that she refunded part of the fee on the card for me ($10). I thanked her and left, but I was still very uneasy about the whole transaction.

    A few weeks later, I received a NetSpend card in the mail in my name. I then realized she was opening an account in my name. But I got really busy and left the card so I can call later and close the account. So I called the number on the card today, and the representative I talked to was rude beyond expression. He tells me that the information I gave him "did not match" and that I have to call them back and get help closing the account. I asked him what information he needed, but all he kept saying was that I had to call back. I asked to speak with a supervisor, and he put me on hold for 56 min until I got to talk to someone and had the card cancelled. Altogether, a really bad experience for me.

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    26 people found this review helpful
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    Verified Reviewer Verified Buyer
    Original review: Jan. 20, 2017

    I took out a payday loan with Ace Cash Express, to cover some unexpected medical bills. I knew I would be paying off the loan in two weeks and had no intention of extending it. The actual process of requesting the money online was very smooth and easy. The money was transferred to my bank account the next day with no hassles. But then the phone calls started. Twice, sometimes three times a day. It was an Ace customer service rep "reminding me my loan comes due in _# of days." Yeah, I know that. I signed the paperwork. I told them I didn't want to extend the loan. They kept calling. Finally I ended up blocking the number so all the calls would go to voicemail. Still, every day there would be two or three messages in my mailbox, for two solid weeks.

    Finally a few days before my loan due date I get an URGENT message from Antoinette who needs to speak to me immediately about my loan. I had to call twice to get through and finally connected with Antoinette - some surly, illiterate sow who had the manners of a rabid pit bull and the vocabulary of a four year old. I told her I said, "I wasn't extending the loan, and that the phone calls were ridiculous." She said - and this is a quote - "Fine den, dat money gonna be TOOKEN out of yo account on Fwi-day." Tooken? Is that English? I told her I was aware of that, and she hung up the phone in my ear. Easy enough loan process, harassing phone calls and crappy customer service. I think I should have TOOKEN my business elsewhere.

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    60 people found this review helpful
    Original review: Jan. 17, 2017

    They had a account for a account that a identity theft created including the bank. They kept sending me emails to finish the application then I gave my real information and denied me over bad repayment from identity theft getting loans and me sick with cancer. Now that I'm enrolled in college needed a temporary book loan ‘til my grants come in this month they deny me. Also refuse to delete my financial information out of their files. They’re as bad as the thieves. I'm not sure if this isn't the way they get your information and sell it or the employees steal it and get loans deposited in on your account and draw it out before you even see it on your bank.

    13 people found this review helpful

    Ace Cash Express Company Information

    Company Name:
    Ace Cash Express
    Company Type:
    Private
    Year Founded:
    1968
    Address:
    1231 Greenway Dr. Suite 600
    City:
    Irving
    State/Province:
    TX
    Postal Code:
    75038
    Country:
    United States
    Phone:
    877-223-2274
    Website:
    www.acecashexpress.com

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