Short-Term Loan and Collection Scams

Your Security is Our Top Priority

Please be aware that scammers are not affiliated with ACE or any person acting on ACE’s behalf.

ACE Cash Express will never ask you to provide your online banking credentials or password in response to an email or text. Consumers can only apply for a loan at certain ACE locations or by visiting ACE’s website. If you receive a suspicious email, phone call, or text from an unknown sender requesting this information, contact us at (866) ACE-CASH to verify.

ACE will, in some cases, ask for the last 4 digits of your Social Security Number but you are not obligated to provide any sensitive information online and may, instead, call us directly.

ACE Cash Express Will Never:

Require you to send a wire transfer, load money onto a prepaid card, or purchase a money order or gift card.
Demand you prepay any amount to consider your loan application or grant you a loan.
Ask for your login credentials or request you change your password in order to review your loan.

Do's and Dont's of Security Alerts

Don't...

Give out personal, sensitive, or payment information to people who can't confirm the details of your loan.

Don't...

Forward a payment or load funds onto a prepaid card in order to get a loan.

Do...

Report suspicious or unauthorized calls, letters, emails, or texts claiming to be ACE Cash Express by contacting us directly at 866-ACE-CASH.

Received Suspicious Emails, Text Messages, or Phone Calls?

Emails or Text Messages

Did you respond to a suspicious email or text message by:

Clicking on a link;
Downloading an attachment or software;
Opening an attachment; or
Providing personal or account information?

Phone Calls

Did you receive a suspicious phone call and:

Share personal information or account information?

Call us immediately at 866-ACE-CASH.

Examples of Scams:

Watch Out for Debt Collection or Loan Scams

Learn about possible loan and debt collection scams that have been identified by the Consumer Financial Protection Bureau.

Loan Scams
Debt Collection Scams

Loan Scams

Debt Collection Scams

Beware of These Other Common Scams

Romance Scams

What is it?

Romance scams occur when a scammer adopts a fake online identity to gain a victim’s affection and trust. The scammer then uses the illusion of a romantic or close relationship to manipulate and/or steal from the victim.

The scammer’s intention is to establish a relationship as quickly as possible, endear themselves to the victim, and gain trust. Eventually, they will ask for money or sensitive personal information under false promises.

Tips for Avoiding Romance Scams:

Be careful what you post and make public online. Scammers can use details shared on social media and dating sites to better understand and target you.
Research the person’s photo and profile using online searches to see if the image, name, or details have been used elsewhere.
Go slowly and ask lots of questions.
Beware if the individual requests financial information.
Never send money to anyone you have only communicated with online or by phone.

Relative Emergency Scams

What is it?

A scammer calls or emails you, posing as either a relative in distress, or someone claiming to represent the relative (such as a lawyer or law enforcement agent). The caller explains that the “relative” is in trouble and needs them to wire funds “immediately” for bail money, lawyer’s fees, hospital bills, or another fictitious expense.

Tips for Avoiding Relative Emergency Scams:

Call the relative (or their parent) directly, at their known phone number.
If told you have to act quickly, resist that urge.

Sweepstakes / Lottery Scams

What is it?

The initial contact in a sweepstakes scam is you receiving a notice, call, social media notification, or a piece of direct mail stating that you’ve won a “big prize.” You’re told that in order to claim the “prize,” you need to send funds to pay processing fees, customs duties, or taxes.

The scammers may request bank account information, urge you to send money via a wire transfer, or suggest you purchase gift cards and give them the card numbers.

Once the money is sent, you never see your prize.

Tips for Avoiding Sweepstakes / Lottery Scams:

Remeber, you cannot win a sweepstakes you never entered.
Don’t pay a fee to claim a prize you have supposedly won or to improve your chances of winning.
Don’t wire money to, or share gift card numbers with, someone claiming to represent a contest or lottery.
Don't provide personal or financial information to anyone who contacts you about a lottery prize.
Don’t deposit supposed winnings that come in the form of a partial-payment check. The check will bounce, and you may have to repay your bank for any withdrawals from that deposit, including what you sent the scammers.
Don’t believe social media messages or posts purportedly to be from celebrities offering a big cash giveaway.