Updated: 22, 2018
Originally posted: November 12, 2014
Alert Number: CA048413_1/16/18(1/19 january)

The Washington state dept. Of Financial Institutions (DFI) has gotten a few complaints from Washington customers against Ace money Express. Several consumers stated that they certainly were contacted by e-mail or phone by people trying to gather loans for $750 or less. Customers that have either reduced a loan, or haven’t applied for that loan from the ongoing business report they’ve been:

• Contacted by a person known as Frank Dollard representing debt negotiation Division,
• Contacted by a person called Mike Bell on the behalf of Chris Robinson & Associates (or C R and Associates),
• Contacted by financial obligation Healing,
• Refused home elevators the so-called loan and evidence of your debt,
• Given fake instance figures and threats of technical proof that cash had been deposited to the consumer’s account,
• Gotten needs which will make re re re payment by means of pre-paid cards, and/or
• Threatened with appropriate action by way of a court or by the I.R.S. Or jail time if re re re payment had not been supplied.

These details is alleged because of the customers and has now perhaps perhaps maybe not been confirmed by the Department.

This is actually the email address that is related to these scams that are apparent

Those perpetrating these scams aren’t licensed because of the Department and are usually maybe perhaps not registered to conduct company in Washington State by the Department of Licensing, the Department of income, or even the Secretary of State. The Department of Licensing licenses and regulates debt collectors under RCW 19.16.

DFI warns Washington customers:

• Never ever deliver cash or offer use of your bank or bank card as a result to telephone that is threatening or email messages you obtain claiming you owe a financial obligation.
• Never ever offer any information that is personal such as for example social protection quantity, charge card, or bank-account information to your specific, internet site, or business without first verifying their identity and permit status.
• Make sure that a services that are financial or person is precisely certified to conduct company into the state of Washington using the “Verify a License” function regarding the DFI’s internet site at www. Dfi. Wa.gov
• Check out the permit status of debt collectors aided by the continuing State of Washington Department of Licensing at www. Dol. Wa.gov.

ACE Money Express Inc Of Irving Texas

Please be aware that Ace Cash Express really should not be confused with ACE money Express, Inc. (ACE) d/b/a ACE America’s Cash Express, 1231 Greenway Drive, Suite 600, Irving Texas 75038-2511, which was previously certified in Washington.

ACE money Express, Inc. (ACE) has supplied the information that is following help customers figure out whenever a legitimate interaction is gotten using this business:

ACE doesn’t deliver email messages from “gmail” reports. All ACE emails come from an “acecashexpress” account. Additionally, whenever ACE workers contact a customer by phone, they will determine on their own as being from ACE money Express.

ACE identifies it self on all correspondence. All communication regarding collections comes straight from ACE headquarters that is corporate Irving, Texas. A consumer can request a Verification of financial obligation at any some time ACE will provide the verification as needed for legal reasons.

Information for Washington State People

Residents associated with the State of Washington are informed that Washington State legislation provides in RCW 31.45.105(1 d that is)( and (3) that the “small loan” (often known as a “payday loan”) created by an unlicensed entity to an individual actually based in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and it is a loan that doesn’t meet or exceed $700. Collection tasks involving loans of $700 or less are susceptible to RCW 31.45.082, which limits the time, spot, and way by which an online payday loan can be collected. Payday loan providers should also offer borrowers by having an installment plan in the event that debtor struggles to spend the loan that is small if it is due.

Information Regarding Federal Commercial Collection Agency Legislation

From you, the collection activity may be subject to the federal Fair Debt Collection Practices Act if you received a loan from a lender or owed money to a business and someone other than the lender or business is now attempting to collect. You can request a “written validation notice, ” which online title loans il must include the amount of the debt, the name of the creditor you owe, and your rights under the FDCPA if you receive a communication from a party claiming that a debt is owed. When you have concerns regarding federal business collection agencies regulations, you are able to contact the Federal Trade Commission at 1-877-FTC-HELP or online at www. Ftc.gov.

Prevent and Report Identity Theft

Customers must not make re re payments within the phone or via e-mail to a 3rd party financial obligation collector that does not want to give a written validation notice. Even when the celebration appears to have a few of your own personal or monetary information, you must not make re re payments or offer banking account or bank card information without getting a written validation notice. In the event that scammers curently have your money information, social security quantity, or other nonpublic information, you may well be a victim of identification theft. The Federal Trade Commission (FTC) has information for victims of identification theft available on the internet at www. Ftc.gov.

Should you believe you have already been the victim of a bad monetary scam and therefore are concerned with your individual monetary information, contact your bank while the three major credit agencies. Procedures for calling the credit reporting agencies can be obtained from the FTC’s site at www. Ftc.gov.

Report Suspicious Activity, Scams or Fraud

If somebody threatens to garnish your wages, speak to your manager, or uses threatening, daunting, or unpleasant language, report such actions to convey and federal regulators.

Washington State residents just: if you suspect illegal or fraudulent activity involving a financial product or service, please contact the Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at if you are a victim of a collection scam or.

If you reside an additional state, discover the regulator at home state.