Ace Cash Express Reviews

After applying for a payday loan yesterday I received two emails after they were closed that stated the following: "Your application for a short-term loan is approved based on the information you provided on your application, but we still need to verify some of your information. Please call us at 888-753-2392 to complete the approval process during our business hours, 7:00 a.m. to 9:00 p.m. CST."

I applied for an installment loan and was sent an email stating that I was pre-approved based on the information I provided and that I was to call to verify some "additional" information. When I called, the representative only asked my name, phone number, date of birth and last four of my ssn #. After providing the information, she said my loan was denied. Why send a "pre-approval" email then? This is just bad business and I will never recommend this company!

I feel the service can be approved If it was set up more like your competitor Speedy Cash. The company would make more money having credit access. But I use your loan company all the time. Just FYI.

I'm getting emails from ACE CASH EXPRESS saying that I took out a loan in the amount of 1250 dollars. This is the second time this has happened to me with this company. They're either scammers or they're trying to extort money from people. I had been getting different emails from them, One stating my application was incomplete, another stating I was denied, another saying that I need to verify my account information, then lastly asking for a payment or all in full. This is totally ridiculous and something needs to be done. Not long after my account was compromised so I had to close that one, cancel my debit card, and open a different account. I was forced to lock all 3 of my credit bureaus and place a lock on them, and red flag my social because of them.

They want payment every 10 days instead of on an actual payday schedule. Then when you call to change your due date they tell you too bad they can’t do anything. It’s one of the most awful places I’ve gone through!

I would not recommend using Ace for payday loans. I was inquiring about cash online, and their whole application process was bizarre and confusing. They had me sign 2 documents before even telling me if I was approved. Apparently it finalized a loan I thought I had canceled out of. I only found this part out 4 days later when money was deposited into my account. Luckily cancelling the loan was an easy process. But I was never once clearly told that I had accepted. I never saw or signed a promissory note which I, maybe incorrectly, thought was a requirement. I never received a confirmation email. I literally would not have known the process was completed if I had not checked my bank account.

A friend of mine recommended Ace for a payday loan. He said said they never ran any type of credit inquiry on him whenever he has received a credit loan. So, I applied for a payday loan and.... it was all bad, I now have a "hard inquiry" on my credit for the next two years. When I called to speak to someone about this, they had no real answers. I would NOT recommend Ace to anyone.

So I was locked out of the payment portal and could only log into the collections portal so when you log in you can make a payment. So I check my bank account today and Ace has written itself a check in my name and cashed it through my bank without my permission.

My husband and I went to the branch that is located in Mesquite Texas. We was first denied due to no proof of income. So the lady states "if you get that we can try again." Brought in pay stubs. Oops denied again 'cause my husband's name was not on his card. Umm. Take notice the lady states "do you have a card with your name on it." Umm lady on his pay stubs it have his direct deposit with the account number that is on his card. Ran again, oops denied. For the 3rd time she runs it again and oops denied again stating now it’s his credit.

Twice they took out their payment too early and cost me a $35 overdraft each time. Called them and they try to say that it said the 1st and not the 3rd. They are lying because every time before, they took it out on the 3rd. Do not use these people. They are liars and will screw you.

I must first congratulate the employees for running a loan disbursement and collecting business. Application for the loan is simple. Answer questions, fill up compliance forms, ("Accepting by signature the dismissal of bankruptcy proceeds") Non or military affiliation... etc. Loan sum amount depends on financial history with the company, most likely starts to lend from 100 dollars. Once credibility is built you get access to higher disbursement amounts. Walk in store loans are to be paid in store. You cannot pay a walk in store loan online with this company. Strange in this digital age, but hey - they still treat you like a fine customer. LOAN FEES ARE BEST, EVEN AMONGST OTHER ONLINE LOAN CENTERS.

I actually applied for a district manager position with the company. I went through 4 interviews and never heard anything back. The regional manager was or thought she was really interested in me. When it came time to interview with her boss, she was very short on phone and didn’t have much to say. She put me on hold a couple times and then just came back and asked if I had any questions and then cut me off when I did go to ask. I sent follow up emails to recruiter and to the regional manager and never heard anything back. This was after they wanted me to visit a couple stores and ask questions and get back to them on findings.

They had the most rudest clerk on Pat Booker Road. She first was upset cause I ask if they verify my check since they didn't cash it the day before and it was a big bank and they should be better aware of banks, then she call me a liar and I'm transgender and was never disrespectful and she close the waste of time by referring to me as "MR" which I had to correct her for her horrible customer service. She work (AM shift Pat Booker Rd) 2-20-19. They lost my business.

Applied for installment loan at the end of December 2018, received the installment loan for $5000 (max installment loan allowed). I paid the loan off in January 2019, never missed a payment, never late. Reapplied on Feb. 13, 2019 for another installment loan online, it came back pre-approved for $4000. I called the customer service and told them I just paid off their last loan last month, why was I only approved for $4000 this time. The customer service rep. said she had NO IDEA. I said, "OK, whatever. Let's do the $4000." Finished up the application and then they declined me. (No changes in my income or my job, no derogatory credit.) Just declined me. I asked for a reason, they couldn't give one. They have NO CUSTOMER LOYALTY and treat their past clients disrespectfully. DO NOT WASTE YOUR TIME WITH THIS COMPANY!!!

I find myself in a tight spot following my divorce. I needed a small installment loan. These types of loans are extremely expensive, but I found Ace's fees to be less than similar loan companies. I would prefer to use Ace if I needed one again. The only problem I had was verifying my bank account because of my name change. I had one loan, paid it off quickly, and applied for a second. No problems the first time, but I ran into problems the second time even though everything was the same. To everyone saying they contacted you, there are scammers out there using the names of Ace, Speedy Cash, CashNetUSA and others to get your information. Don't call those numbers or respond to those requests. Go to the company's website directly and contact them directly.

I received a email saying I was approved for 5000.00. They called and got my bank info. Then he started texting saying he need my login info. I told him I would have think about that my sister received a loan and had to give that info so I gave it to him. He deposited a check from a attorney's office and forged my signature! My account is now under investigation and I was told my bank account would be closed!!

I received an email from this company saying they had a lawsuit against me for $836!!! I have never even heard of Ace Cash Express much less take a loan out. I sent them back an email telling them to kiss me and where specifically they could do it. :)

First off we will never ever use Ace Cash Express again. I will never refer anyone to or recommend in any way. They have destroyed the trust in an instant that they so display as a slogan on their signs everywhere. Now to set the record straight, we applied for an installment loan, to pay off in payments biweekly, then we find out we're in the negative where we bank. Turns out they deliberately changed that installment loan into a payday loan solely because they wanted to. So we took out another loan to pay off that loan in full from Ace Cash Express also, loud and clear letting them know we're applying for an installment loan and not a payday loan that we can pay biweekly.

I applied for a $300 installment loan online with ACE Cash Express in August of 2018. The money was deposited in my account the next business day. They withdraw my installment loan payment amount for my installment loan when my paycheck gets deposited. I have not had any problem with ACE Cash Express and they have been a great place to get a short term installment loan.

I received an email back in August from ACE Cash Express welcoming me to my new account... I did not apply for an account with this company so was very concerned. Of course the email had a "click here" link which I did not fall for, so I called the phone # on the email and spoke with a man, explained I did not apply for an account with them and asked who, what, when this account was opened. This guy then said in order for him to search/confirm this bogus account was for me to supply him with my "FULL SOCIAL SECURITY #"! What? NO WAY!

Applied online for loan. Got response from Ace Cash Express for $5000. Was told because of my score I would need to submit $250 by a Google Play card to the loan money AND the $250 put into my bank. Went to store, got Google Play card, called Stanley, told him the number on the back of card, and waited. When the money didn't get into my account, I called and Stanley said I would need to put more money to get it processed because the FCC or FDC was holding the money. The additional money would take care of it and release my money plus the money I had added to the pot. Did the same thing again. No money showed up.

I was online looking for a small personal loan to help catch up on bills. I had received a text from a Julian ** saying, "Congratulations you have been approved for a $6000 loan with no upfront or ending fees." Giving me an Id# to call with. I was desperate so I called the number to hear what they had to offer. After speaking with this Julian everything seemed legit so I gave them my information. He said my credit was slightly lower than what I needed to receive the loan and that they could help me get my score up to what I needed it to be. They deposited money into my account and had me load those funds onto a Google Play card and send them the #s on the card and that will help my credit score go up. Never tried to get a loan before so I believed him. Figured it wasn't my own money so I wasn't losing anything over it.

Ace Cash Express 1750 S Rural RD. #101 Tempe, AZ 85281 - The last time I went to make a payment about one month ago. I paid the teller which is the manager. Her name is **. I made a payment of $150. I had withdrawal $200 from my bank checking account. I went to the store and I gave her the money. She gave me back change which should have been $50. She counted the money back to me. When I got back home I counted the money and noticed I was missing $50. I went back to my bank to find out if the teller over there forgot to give me the $50. The manager from my bank looked into it with the teller. He told me she did give me the whole $200 which shows in their accounts when they count the money.

My husband recently lost his job, so I was online trying to get a quick payday advance or a small loan to keep us afloat while he is looking. I have three kids and daycare expenses add up quick! I got a random text that read: "Hello, Congratulations. Your loan has been approved Application ID- **. Loan approved between $2000 to $6000. If you're still looking for a loan in the market Please call us on **. Thank You. Steven **. ACE CASH EXPRESS." So I called back, they had my home address, name, banking account, and routing numbers and my SSN.

First let me say the plus size young lady who works at Ace check cashing on Hwy 85 Atl GA Is very rude. Always on her phone or sitting in her Jeep. She never wants to help the other young man out, never smiles and seems to hate her job. Management should really send a undercover boss there. You will see why that location never has customers. I also notice if you are Spanish she don't mind but if you are ** she looks at you all rude like why you here. Although it is a mostly ** neighborhood maybe she should move to a area where she is more willing to offer better customer service.

I received an email stating that I was approved for a loan. I called the number and he was going over the terms. The FIRST red flag, he read out my bank account number that I use for bills and never provide to anyone. When I questioned this, he became defensive stating that I had entered it online. I KNOW I did not. The second red flag was asking for my debit card number and I told him I wasn’t comfortable with this. He began yelling and saying, "If you don’t want the loan then goodbye." Be careful of these scams!

We have taken out loans MANY times, and NEVER missed a payment. Well, with things in our personal lives causing some issues we forgot to update our numbers and today (8/10/2018) we went to pay our monthly payments, and even though the signed contract informs of late payment fee twice, apparently they do not honor that part of the agreement. I understand going directly to the bank with someone constantly being late, but given our history that is not the way to treat good customers.

Hello my name is Joseph ** from Troy, New York and I applied for a loan from Ace Cash Express and ended up put money in my account. The amount was $852.00 then they called and told me that I had to do a MoneyGram to send them $817.00 in order to get $1,200.00 but they never gave me no address where to send it and I called Better Business Bureau Inc. of New York state and they said the company does not exist and I also had a fraud alert put on my credit report. Now I am getting bad text messages that are threating ones. I will never go through this company ever again. So stay away from Ace Cash Express.

On 6/26, at approximately 7:54 p.m. I receive a call from Ace Cash. "You are approved if you need a loan. How much do you need?" I just threw out $2000. He says, "Ok, your payment will be $100 starting 8/3/18. Can you handle that?" I said, "Sure, what do I have to do?" He wanted my debit card number. Not about to happen. So he said, "Ok we can go another route. Do you have online banking?" I said, "No!" Anyway, to make a long story short, he told me that they are going to deposit through Walmart an amount of $900 that I must return to prove my creditworthiness. The credit bureau will then increase my score at a higher rating. He said he will call me in the morning since it's already too late in New York to do anything. I said ok. First off, there is no Ace Cash Express in New York so just be careful of scammers.

Made the request for a payday loan online on Friday but apparently it was considered after business hours. So it said the money would deposit on the 25th. It's the 25th and not there. I called and was told it was sent out and could take 24 hours from the business date. Then telling me it would deposit on the 25th. Wasn't true. So basically I've been waiting now for this emergency loan that I needed 3 days ago, for like, 4 days. Now going on 5. At this point I almost don't need it anymore. I could've just waited for my payday. You're better off going into the store for an emergency need for money right away. Or you'll be waiting 4 or 5 days for it. Not helpful at all.

Accused for intent closing of bank account from 2015. Never had this occur in life! It is now 2018. No documents received pertaining civil action!! Asked for direct information, and received nothing until I mentioned speaking with my lawyer! Inquired about other alternatives to get matters resolved, very nasty demeanor. Was told must pay today on the spot in regards of preventing civil action. The news were alarming being, proper steps making certain parties receive proper literature. Ace Cash is fraud fraud fraud. Stay away. Get your lawyer involved.

A "Rep" Michael **" claimed to be with A.C.E. approved a loan for $2500. M.**. said a soft run $100 was done, in return. Shamefully the 100 was prepaid back & now my account is (➖1855). I don't have.

I went to ACE Fast Cash at 3071 Hwy 21 Ste 102 Fort Mill SC 29715 to pay back my loan on the due date on 6/8/18. However when I arrived there was a note on the door stating the store was closed early due to the system being down. I went back the next day, spoke with ** the center manager and was told she couldn't accept my payment because it was late, even though it wasn't my fault. She advised I put the money back into my account and she will contact corporate to have it taken care of. What kind of business can't take a payment except thru cash? What kind of business can't take a "late" payment?

I am posting this in hopes real Ace Cash Express looks into scams. About 4 years ago I was searching online for loan, filled out app, called back by a Michael ** claiming be Ace Cash Express claimed needed upfront fees, so foolishly being in financial crisis I paid upfront fees only it was a scam. I was ripped off entire week's paycheck. Now ever since @ every 6-8 months I get these threatening emails about not paying loan back that never received & how I will be prosecuted, Iowa's Attorney General's Office is a Godsend in this situation. Please be aware!! Fool me once shame on you if you try again.

ACE doesn't tell applicants that they do a HARD inquiry every time, even for a little payday loan. I found out when my credit monitoring notified me. I contacted the ACE president who responded rather uncaringly that they are "authorized" to pull your credit score WITHOUT your express permission. And I was instructed to call customer service. Well, the customer service rep was not helpful at all. He kept repeating they "do" credit inquiries and didn't seem to see the big deal about hard inquiries. Then he hung up on me. I'm requesting that ACE remove both hard inquiries from my credit reports. Otherwise they won't get my business again.

I have been getting a payday loan for over a year. I attempted last year to get a installment loan and I was denied even though my income qualified. Then last month I received a denial email for a loan that I had not applied for at all. They charged my account three days early again and broke the contract again. I applied for the same payday loan again and was denied and claimed it was from a ACH payment that was five days late and still had not been paid... I do not have any ACH payments set up with anyone and never have. It is unjustified decision, that will cost me my job, and my rent payment will be short the amount that I was borrowing.

Honesty, accountability of 1 your clerks. I misplaced my wallet today. I didn't exactly know where it was. I returned to the store. She kept it for me and returned it to me. She's also very helpful to me when I'm doing business. "GOD" Bless her for being honest.

I took out two online payday loans with Ace Cash Express. The first went fine. I paid in store on time. The second went fine and I went to a different store location to pay on time. The clerk clearly didn't know what he was doing. It took me a hour to pay. I even received after I left a email confirming the payment. Two days later I got a email saying that my payment was past due. I called in and they apologized and explained the incompetent employee failed to remove a hold on my account so they tried to debit my account after paid and that is why I was past due. She removed the hold and apologized for the mistake.

I can't even write this review without laughing hysterically that these people are still in business. I have never gotten a loan from this company. Nonetheless when looking into payday loans is $495 an option for a payday loan. Some schmuck named "Paul" using a GMAIL address claiming to be with Ace Cash America is going to "sue" if I don't pay the $495 by today. Or I can set up a payment plan with Paul and pay him a total of $900 with three installments of $300... Scratching my head too. If I fail to pay this court fees of $4,200 will be waiting for me at "my doorsteps" and I say Paul because who the hell sends a business debt collections email without a phone number to contact anyone at. ** is a ** way to scam people.

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.