Consumer Complaints & Reviews
I've gone through Ace Cash twice, and both of those circumstances were emergencies. I do the traditional installment loan (pay day loan) method, and I chose the option where they directly take out of my funds. I've also done the (Pay in store) method on my first installment loan. I'm reading a lot of comments how people have trouble with Ace cash, and I haven't. The simplistic way to make your experience easy, is just pay on time. Pay what you owe. You took out the cash, you signed the contract stating; you'd pay X amount which will be paid on X date for so many pay periods.
Regardless if you call them and ask for an extension on the pay date. You probably shouldn't have done the loan agreement in the first place, if you can't pay on the expected date. Don't get a pay day loan. If you pay in cash, always get a receipt and file it away. I can't believe how irresponsible some people can be when getting into these loans. Always leave a paper trail to cover your end just in-case like.
The interest rates are outrageous, and I finish paying off as early as possible if you can afford it. The second one I took out, I'm going through the whole term. I was hoping it'd boost my credit, but after reading on their website and privacy terms and agreement they don't report to the traditional credit bureaus apparently. Again, only get an installment loan if A) It's an Emergency and B) You know you'll make the payments on the expected date, and never take out more than you need!
I've been an Ace customer for years, always paid on time. Twice they debited my account for what I owed. The first because I regrettably relied on their reminder calls for my due date. The second was my last loan. I made payment arrangements to pay a portion on my next 4 pay dates. First due on July 1. It completely slipped my mind to be there in person with cash so they debited my account for the full amount. I was on vacation 6 hours from my home, did some shopping and Saturday my account was negative. I realize this was my mistake and I graciously asked them to please let me finish the payment arrangements and credit my account. I explained I've been a customer for years and that I was now stuck far from home with no way to pay my way home. I will have to miss work which will get me in quite a bit of trouble if not fired. No sympathy at all.
I was told the same thing by three different Ace employees, "You can reloan in 10 days, we do not have the capability to credit an account once we have debited an account". Entirely NOT true. I'm actually stuck away from home until I can reloan this Friday, so they can make more money from me! Terrible terrible business practices. I will be sending a complaint to the Better Business Bureau as well. There are other pay day loan companies. They will get my business in the future. And I will be sure to post my predicament on Facebook and warn everyone I can. The only reason they get 1 star is for being decent to work with up until this point.
I chose to take out a payday loan from Ace Cash Express located in Speedway, Indiana back on May 3, 2016. The loan amount was $280 and I was to pay back $321.40 on May 28, 2016. On Saturday May 28, 2016, I went to the store IN PERSON, WITH CASH that was exactly equal to $321.40. I handed the cashier, Kristi, 15 twenty dollar bills, a single one dollar bill, a quarter, a dime, and a nickel. We both chuckled about my having brand new twenties, and both Kristi and myself had a difficult time counting the money as the bills were sticking together. Kristi counted out the money in front of me, agreed that it was the full amount, and asked if I wanted a receipt. I was in a hurry, and asked her if there would be any question as to whether or not I paid. She indicated that there would not be and stated that it wasn't necessary that I took a receipt. I told her that was fine and to have a great day and I was on my way.
I went back to this same location today (Tuesday May 31, 2016) to take out another payday loan. There was a different lady helping me, but I saw that Kristi was present. The lady that was helping me seemed confused and informed me that my loan that was due on May 28, 2016 was still outstanding and had not been paid back. I then informed her that she was terribly incorrect as I had just been in the store three days prior and paid the loan in full. I have taken out several payday loans from this store and have always paid them back on time as promised.
Kristi then chimed in stating that I called on Saturday saying that I would be out of town until June 2, and that I would be in to pay at that time. I told her that that was incorrect, that I remembered dealing with her and she even indicated that she remembered me coming into the store! They proceeded to scramble searching for some sort of receipt/documentation from my transaction but were unable to find anything.
I find this incredibly irresponsible, unacceptable, and I simply cannot wrap my mind around this. I handed this woman $321.40 that has now vanished into thin air? I find it very strange that this Kristi was so adamant that I placed a call indicating that I would be out of town until June 2 (funny because it's May 31st and here I am! In Indianapolis - NOT out of town) but then proceeded to change her story and say that she remembered me. Who in their right mind would walk into a payday loan store three days after a loan outstanding was due, and try to obtain more money from them? I PAID THEM BACK IN CASH, IN FULL, IN PERSON as I was instructed to. What Kristi did with my money after the fact is on her.
Someone needs to pull videos, look at camera footage, SOMETHING. I walked into the store around 12:30 PM on Saturday May 28, 2016 wearing a blue shirt and black pants and I PAID THREE HUNDRED TWENTY-ONE DOLLARS AND FORTY CENTS TO THIS WOMAN. This situation needs to be rectified IMMEDIATELY. This is a place that I have done business with several times and thought I could trust their employees. I clearly thought very wrong!
When I'm signaled over the lady says absolutely nothing to me, doesn't look me in my eye or anything. She didn't bother with greeting me. She had this body language as if to imply I'm bothering her at work type of attitude. That's not my issue at all but it is extremely rude.
My issue is 15 minutes into doing whatever it was she was doing she blurted out "phone number on the back & right thumb on the front". I did that no problem, 10 more minutes after that she going back & forth between two machines helping other people she comes back & tell me "I need to speak with the person who wrote the check before I can cash it." That's the part that I have a major issue with. Regardless if the person who wrote the check is available to pick up the phone (something I would have no control over) that should not stop a check being cashed. I pretty much wasted 30 minutes of my time & the person who gave me a ride. She was all ready to cash it, but then said I need to speak to the person & I couldn't get the person on the phone pretty much on her demand.
I guess the lady thought that everyone operates on her schedule & should be available that day at that particular time to pick up the phone so they can verify who they are for a person trying to cash a check that's in their name & has all the proper identification there would be needed to cash a check that's written to them. I guess she thought that when I decided to pick a day to cash a check the person who wrote it would magically know & be waiting by the phone. So 35 minutes or so sitting in the place & I get nothing for sure except for horrendous customer service. I go to a place called "Ace Check Cashing" to cash a check & the irony is I couldn't cash a personal check because the lady helping me wanted to have a conversation over the phone with the person who wrote the check.
Today I got an email from ACS Inc. about a lawsuit. They could not even spell the word 'fee' or 'cooperate' right. They called me and it sounds like someone from the Middle East. They said I took out money from CashNet USA and QC Finance. The guy on the phone said he sent me an email. I would not give him any information so he hung up on me. I called my friend that works for the FBI. He sent me an email to send to them that should stop them.
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I have been receiving threatening e-mails from them saying that they are taking me to court for a loan that I never asked for. I don't even have a bank account and have never had one. I tried to talk to someone to explain that I don't have a bank account and they just said that they had all the information. The guy more or less told me that I was lying and that I would hear from the courts.
I received a phone call from these people, still don't know why. I presume some sort of debt collection, even though they denied this repeatedly. Anyway, we have a relative with the same name of the person they were looking for, though nothing connects their name to ours, nor address, or phone number. Not even the same state, and they've never been here. The "lady" on the phone (and she does not deserve to be called one) insisted that they received our home phone number as a "personal reference from ** (the name of who they were looking for)".
Well, beyond all the other obvious lies I was told, that relative does not have our home phone number. So this liar did not get it from them, but rather has access to some kind of database or made calls to various phone companies (at least two, if I'm right in why they're connecting our name to theirs) and told them lies to obtain information. Obviously, they still don't care what the FDCPA says. Maybe rather than a paltry 10 million dollar judgment, it should have been 10 billion.
Ace Cash Express called me and told me I qualified for a loan. The next I knew they had put almost $5,000 into my savings account. The next day they wanted me to send the money using MoneyGram, sending it to $3 different people in states. I notified my bank and they froze all my accounts saying this was it was fraud. They are now investigating.
Ace Cash Express contacted a family member who was way in New York. A brother-in-law actually and stated that they were from the Office of Investigations. They stated that if they did not get in contact with me and have me call them back then they would proceed with a warrant they had against me. I called them the next day and a woman named Maria ** stated that she was reviewing a past loan I took out in 2010 and stated the State of Texas was ready to proceed with felony charges against me due to the check not clearing. I had no idea what she was talking about. She had all my personal information and continued with the threats. She stated that she had already run a background on me and saw I had no criminal history and surely wouldn't want a felony on my jacket.
She stated that if I didn't take care of this today I would be arrested by 1pm and they would come to my job, my family's homes and also mine to execute this warrant. When I told her I had no idea what she was talking about she stated that this was fine, she was going to still proceed with legal issues and have the warrant issued because she stated that I was ABOVE the law as she put it. She then hung up the phone on me. I called her back and told her that I wanted to put on record and recorded line that I did not want her to contact my family or me anymore regarding this. She screamed at me and said that this was already done and she had just signed off on the warrant. I repeated again, "Do not contact me" and she hung up again. This is a scam. The number I called was **.
I applied online and it said I was approved. They had an express way of verifying my account information. When I called to verify the verification (yes I know it sounds ridiculous) they said there was another name on the account, which is correct, my wife. They then insisted that we call the bank directly, and ask many questions of the bank, other than is the bank account in both names. She ask directly what the balance on my account was, which I do not think they have the right to do and did not notify that that was part of the requirement to get a loan from them. Then after all of that they change what I had received online and denied my loan. DO NOT SURE THIS LENDER! YOU CAN FIND MANY OTHER LENDERS THAT WILL NOT INVADE YOU PRIVACY ANY MORE THAN NECESSARY TO GET THE LOAN.
Called and said that I was going to be charged with check fraud. That I went to a store and they have all of the documentation. I told him I have never even been to an Ace Cash Express store before! He then tells me to go ahead and pretend to not know what he is talking about. I told him that I am not pretending about anything because I have never been to an Ace Cash Express in my life! He then becomes even more combative and keeps telling me that I am a liar and when I ask for the company name to report him to my lawyer so that I can sue him for the way he is speaking to me he then calls me a piece of ** and hangs up on me! How do they get away with such disrespect and unprofessionalism?!
First of all when my first payment was due I went online to pay in installments, but representative said it wasn't possible because of the MLK Holiday; not given a clear explanation. Full Payment was drafted before the due date because of holiday; bank returned. Set up payment arrangements dates not accurate; collection dept is not efficient. Still doing automated drafts without letting you know causing fees through bank. Glad I am through with them. Will never do business with them again. Company not on same page. Very poor practices and should be investigated by the state.
I have the Bronze Elite Prepaid Card and they charge you for loading your card even after the place that you loaded it at charge you. But they put down as if someone else has received the money but in reality it is Ace Elite taking the money. I'm shredding my card.
I INQUIRED on getting a payday loan in 2009. Since then I have received threatening phone calls that if I called and disputed they would hang up and block my #. I even got the local police dept involved and they also stated that this is a scam. As of 2013 I started receiving "lawsuit emails" saying I owe $** and the FBI was involved and my employer and credit bureau would be notified unless I paid a smaller amount. Most of the time there is no phone # to contact nor an address. I even dug as far as searching my bank account for a deposit in the amount they stated I received around when I should have received it and nothing.
Most of the emails don't make sense and back when they called it was always a heavily accented man stating he was from the state police dept main office. He would have a name like "John Wayne" or something basic and he was definitely of an Arab decent or middle eastern and could hardly speak English. Today I received yet another "email lawsuit settlement". First place I started getting emails from is ACS Incorp and the one I received today came from Ace Cash Express.
On January 12, 2016 we received an email stating my husband owes "X" amount of dollars and if he did not respond they would inform the credit bureaus and his place of employment. They sent other threatening messages about filing suit against my husband. Some of these emails made no sense, so I know it's coming from a foreigner.
IF I have ever had a loan with ACE Cash Express, it would have had to have been 10 years ago or more as I do not use banks anymore. Interesting how much you can save without banking fees and overdraft charges. Anyway, about once a month, I get an email from ACE threatening that charges will be filed against me if payment is not made "today." It has a letterhead to make you think it is a legitimate legal form -- yet is never served by certified mail or a process server -- just through email. Even if I did owe the amount stated, I would hesitate to send it to them because the grammar used tells me that this is not a professional attorney's office -- more likely coming from another country.
For example, one line reads: 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 $4515.85 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 $1207.86.
The long run-on sentence and poor punctuation leads me to believe that this is not from an actual attorney. In addition, it is signed simply "United States Attorney" with no name or contact phone number. In all of my years dealing with attorney correspondence, every attorney takes every opportunity to put their name and phone number on mail that they send out. I believe this to be a scam.
I just want everybody know I have been cashing my check, paying bills, getting money orders, etc for 8 or 9 years now from the one on Lapalco in Gretna, Louisiana. I have never had a problem with them. They are very fast at what they do and very friendly. I would recommend them to anybody that needs to cash checks, pay bills etc.
I have received a total of 6 threatening emails about being taken to court for a payday loan that I do not have and I do not owe! Something needs to give because I am tired of being harassed on a daily basis. They can never come up with good paperwork and their English is the worse when they send you an email...
I was online looking for a short term loan just to get me through 2 weeks, it was against my better judgement but I did not want to ask to borrow anything from family or friends. I am well aware that these places prey on the weak and downtrodden and those that are down on their luck, but what the heck, I tried it anyway. After going to certain places that told me I was "approved" when I gave them the information, all it did was send me to some other site to fill out more information.
Anyway, I received an e-mail from Ace cash express in a pdf file, parts of it looked legit, but there was something about it that looked copied. I called this gonad on the form and he identified himself as "Darren." Well he sounded nothing like a "Darren" - he sounded more like a foreigner that was paid to handle calls. He told me I was approved for 5000 at an 8.75% interest rate and could pay back over 3 years, this was too good to be true, no one gives that kind of money away to someone with a credit score of 615. I asked him what was the catch and he said I had to send them 1000, he would deposit it in my account, then I was to send it back to them, then they would be clear to send me the 5000. Well, I did not fall for it... First people, no one ever charges you to take out a loan, at least not up front, you pay that in the loan. If someone sends you one of these letters report them. I hope they lock all those ** up.
I received a settlement letter from them when I don't even remember taking any loan. The mail does not have a loan date or information/proof. I highly upset to received this in the mail. They need to be reported. Isn't it a legal timeline for any matters like this. This a scam and unprofessional.
I was approved for $5000 and called to tell Ace Cash Express Mr **. Mr **. Mr ** all took part in scamming me. I was told I had to pay 255. To verification dept in Florida. I had to send this to Ace to show I had enough funds to pay payment. Mr ** said money $5000 was transferred to my bank. I checked after half hour. No funds. Mr ** called to check in the arrival of my loan. I told him it was not in the bank. He then told me he needed $275.00 more for insurance. I told him no more money. He said, "The loan is on hold 'til you pay it." I said cancel loan and return my $255.00 I did pay. He said, "No you can't have that money back." I am filing charges of fraud. Theft and scam with states attorney of my town. I'm left with no money til Dec 3. Thanks Ace. Had to cancel a lot if plans and holiday plans. Ace left us with .86.
My daughter was asked to go cash a check by a friend. She is only 19 and has suffered traumatic brain injury. The check did not clear and they now say she is the one that owes the money because the "issuer did not benefit from the money she received". She just thought he didn't have time to do it himself and returned the money to him. Asking for a supervisor only got us to a message and no return call as of yet.
I got an email with a funky order number from, what looked to be, an eBay UK address. It said my order had shipped. I've been a victim of ID theft more than once, so I clicked the link. Took me to a payday loan site. Now getting poorly worded emails from these guys. There's back and forth, saying they have signed documents. I know I never applied. They have my SS # and my bank name. Not going to get scammed again... Reporting this to AZ attorney Gen who expressly gates these types of lenders...
I'm not sure if this is a real company or not. I know that I have several cash loans out and I know that I must pay them. This company is constantly emailing me saying I owe 956.00. First I never borrowed this amount of money from anyone. The second problem is I was talking to the company about settling the situation. They asked me to send a payment through moneygram to DARREN **. I have no clue who this company is, I tried calling the company to ask why do I have to send the money to this person but the phone number listed is not working. I asked for proof of the company and to send me legal documentation. The company has refused to answer any of my question and told me if I do not pay I will be arrested.
I looked for an address nothing about this company. I think this is a disgrace stealing money from hard working Americans. I even just the court record system there is only one case pending against me but it is not $956.00. I believe someone should investigated this is not right at all. I will continue to see if I can get this matter under control but it's so annoying.
I had a cash loan. I paid in full and rec'd a letter stating my account was paid. I then started to received calls for Ace Cash Express which I told them my account was paid. They said not the same company. I only had one loan!!! They are threatening court action unless I pay 100.00 to them and the crazy thing is you can't access your account on Ace Cash Express website. They want me to go purchase a Paypal pay card. I've never heard of anything like this, they should be able to accept any form of payment if they are legit and why does Ace Cash Express have a "resolve my account" link and if you have a "so-called" problem account why can't you access your account??? I don't trust these people or the company at al! They need to be investigated for their business practices.
I called ACE Elite customer service because there was an unauthorized charge on my card. I spoke with Cash Avaya customer service ID# **. The customer service representative told me in order to file a complaint against the merchant, I would have to have my card blocked. I told him that I would go to the bank to remove the money off of my card and call back. Needless to say he blocked my card anyway. When I asked to speak to a supervisor he put me on hold, and the person that came to the phone sounded like the same person that I had just spoken with. This is very frustrating to say the least.
I received emails about some loan that I never took out and threatening me with court. I know this is a scam.
I have been going to ACE Cash Express for years. I have a prepaid credit card that I put money on occasionally. I sent my son up the street to the closest outlet. He comes back in a huff. I ask him what is wrong and he says, "They are not there anymore." I was like "What?" So, I called the number on the back of my card. They were flooded with calls so I punched in my call me back number and they never called me back and they had a whole day. So, I had to find another check cashing place that is 3 miles out of our way. Neither of us drive so we have to take the bus everywhere. So, we finally got what we needed. Everything is good now thanks to CHECKMATE. ACE can go jump off a high cliff without a parachute. I never even got an email saying that their outlets were closing. That would have been the nice thing to do.
I routinely borrowed from Ace Cash Express over the last year, mostly to keep an option open for emergencies. I'd pay them back early, after a few months. I've never missed a payment, I've never had a bounced check... nothing. After I paid off my last loan again... early. I tried to start another loan to see how much the payments would be. Well I was denied "due to poor loan history". I called, even the agents "didn't know why I could possibly be denied". This is a scam people, they only want people to get caught in the trap so they can milk every penny, when they cannot... they will refuse to loan to you if you pay them back early. No worries, I'll keep money in my pocket and use my bank from now on.
I thought I activated a debit, found it was no funds on the card even I never used it, plus I forgot my pin number for the card. Contacted them - the girl was challenged because I am asking routine questions like my balance and why it is $0.00, I mean exactly that amount. That sounds stupid, she would not let me speak a supervisor. Asked for corporate number nothing so I am out 25.00. Thanks. Don't fool w/ these. Look people at the people who work there, they all look like former **. Disgusting... Of course it was my fault - you get what you pay for scam artists...