Complaints

This profile includes complaints for Amscot Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Amscot Corporation

  600 N West Shore Blvd Fl 1200 Tampa, FL 33609-1117

  
• 

  Amscot Corporation

  901 W Brandon Blvd Ste F Brandon, FL 33511-4912

  
• 

  Amscot Corporation

  808 N US Highway 41 # 810 Ruskin, FL 33570-3542

  
• 

  Amscot Corporation

  4808 E Broadway Ave Tampa, FL 33605-4700

  
• 

  Amscot Corporation

  4061 N Armenia Ave Tampa, FL 33607-1001

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/19/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a company that paid an employee with a company ck, the employee went and cashed the ck. Amscot keeps telling me they have the ck and it's no good. but I have a copy of a cancel ck from the bank showing its cleared. I ask for a fax or email to send it to them but they keep treating legal action if i have a cleared ck how is this my responsibility

  Business Response

  Date: 10/19/2022

  October 19, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
              On October 10, 2022, ************ issued a business check payable to an employee in the amount of $911.05.   The same day, the employee came to Amscot to cash the check.  Amscot took the check in good faith, for value, and without notice that the check would be dishonored.  Amscot cashed the check for ************** employee and deposited the check for payment.  ******** dishonored the check due to a duplicate presentment. Amscot subsequently learned that the employee attempted a mobile deposit before bringing the original check to be cashed.
  
              Amscot holds the original check and is a holder in due course under Fla. Stat. ********.  A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business.  ******* law does not make an exception for checks returned due to duplicate presentment. A licensed ******* attorney can advise ************ of the legal remedies available to him under the circumstances.
  
  Nevertheless, as a courtesy to ************, Amscot has made a note to stop contacting ************ as to this check. Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and *************

  Customer Answer

  Date: 10/20/2022

   
  Complaint: 18241505
  
  I am rejecting this response because: Amscot told me that this was an error by **** of ******** I was to contact them of which I did they said that Amscot has no right to collect and **** of America does to reverse money on this type of case and advise me that I was not responsible. And stated that it was an attempt to intimidate me to deal with their problem. Ags I did nothing wrong and it there business to cash ck how I am responsible for this when the money was taken out of my account so I have nothing wrong. I am not a collection agency for there company I did not send my employee to cash the ck. If you think this is fair business practice I ****** it fraud on them trying to force me to collect for them.

  
  Sincerely,
  
  *********************

  Business Response

  Date: 10/21/2022

  October 20, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; *********************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
              As previously stated, Amscot holds the original check and is a holder in due course under Fla. Stat. 673.3021.  A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business.  Liability under this provision is not based on fault.  Additionally, ******* law does not make an exception for checks returned due to duplicate presentment. 
  
              The Check Clearing for the 21st Century Act (Check 21) is a federal law applicable to banks.  Check 21 contains provisions that allow parties like ************ to work with their bank to recover the funds that were deposited through the mobile application. Accordingly, when the check in question returned, ************ was referred to his bank in an effort to help him as the provisions of Check 21 do not negate or eliminate Amscots position as a holder in due course or the check issuers liability under ******* law.  A ******* licensed attorney can properly advise ************ of the recourse he has under the circumstances.
  
  Finally, as Amscot is not affiliated with ************** bank, Amscot has no control over what the bank representative told ************ or whether the bank representative had the requisite knowledge or authority to speak on the subject. Amscot again recommends that ************ contact a licensed ******* attorney who can properly answer his questions.
  
  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot Legal Department
  
  cc:       ***** of ********* and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

• Initial Complaint

  Date:10/10/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was told I only owe $185.00. I ask three times what did I owe he kept telling me it was paid I only owe $185.00. I receive no phone calls before October 1, 2022 as I normally do They stated the corporate office told them not to make phone calls and they were closed October 1, 2022 so how was I supposed to pay my balance or normally they send me an email to pay online. Now they saying if I had came in October 3 before a certain time there would not been any problems. I called the corporate file a complaint she said the Amscot branch I owe was closed October 1, 2022. They have no empathy with the Hurricane *** no grace ****** or anything. They just dont care . I have receipt signed by the employee saying it was paid in full.

  Business Response

  Date: 10/11/2022

  October 11, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re:       Case Number ********; ***************************
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer complaint of ******************************* (****************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
  
  **************** applied for an installment cash advance on August 12, 2022, and executed an Installment Cash Advance Application and Installment Cash Advance Agreement (collectively Agreement) in exchange for the funds requested.  **************** had three payments due under the Agreement, which outlines each of them in detail.
  
  **************** redeemed the check for her first installment by paying in cash at a branch. Ms. ******* second payment was due on October 1, 2022. Pursuant to the terms of the Agreement, Amscot deposited Ms. ******* check for payment of the second installment on October 3, 2022, as Amscot had not received a cash payment.  
  
  On October 4,2022, **************** came to an Amscot branch and made a payment in cash.  This payment was applied to the third and final installment payment under her Agreement.  It should be noted that this constituted an early repayment of the installment cash advance, which reduced her final payment amount by $32.51.
  
  Unfortunately,following her payment on October 4, 2022, the bank returned the check that would have been applied to her second payment due to a closed account.    Accordingly, as of the date of this letter,**************** continues to owe $217.98.  Amscot has waived the return fee of $25.00.
  
  We invite *************** to contact us to discuss repayment of the returned payment.  Amscot values customer feedback and appreciates having had the opportunity to respond.  We hope this adequately addresses your inquiry and resolves the complaint.  Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
                                                                         Sincerely,
                                                                         Amscot ********************************************************* ***** of Directors and General Counsel/Chief Compliance Officer
              ***************************, Director of *************** and Customer Care
  

• Initial Complaint

  Date:08/06/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 26th I went to the Amscot at *************** in Lakeland Fl to apply for a payday advance. When she asked me for a pay stub I first told her I didn't have one but I could show her my online banking and direct deposits of my paychecks every pay day. She told me she would need a paystub. I went outside and emailed the payroll department at my job and asked her if I was able to get a copy of my pay stubs. She told me I could make an account on ADPs website and print one from there and she would also send me the last 3 that I had received. I signed on ADPS website, made an account and printed two of my most recent stubs. I brought them back inside and I noticed the female assisting me was making a phone call. She then hung up the phone and told me she couldnt approve me for the pay advance. I asked why and she said that they would need more information from me. I said well what more would you need I said I'm giving you two pay stubs I showed you my online banking with all my direct deposits from my job and also show the email between the payroll department and myself asking for the pay stubs. I also showed her the pay stubs that were emailed to me from my payroll department. So then I asked to speak to a manager. So another female walks up to me and starts questioning me about my job. She was making accusations that the amount of hours I worked and the pay I made weren't adding up. I told her I was on salary pay. she was so nasty to me and I was so humiliated because it was quite obvious she was accusing me of having a altered pay stub. Everyone was staring at what she was saying to me. I said please I really need this money to get back to Vero Beach so I could go to work. That's when She started saying things about my home address was in Lakeland but my job was in Vero Beach. When I asked what other proof would she need she couldn't give me an example. I left there so mortified. And never found out why I wasn't approved.
  

  Business Response

  Date: 08/24/2022

  Business Response /* (1000, 5, 2022/08/10) */
  August 10, 2022
  Via Web Form
  
  Better Business Bureau
  
  Re: Case Number ********; ******** *******
  
  To Whom It May Concern:
  
  Amscot is in receipt of the consumer feedback from ******** ******* ("Ms. *******"). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscot's part.
  
  On April 26, 2022, Ms. ******* came to Amscot and applied for a cash advance. To be considered for a cash advance, a customer must be at least 18 years of age, complete the required application, have a contact phone number where they can be reached, possess a valid government-issued photo ID, and have an open and active checking account. As part of the application process, they need to provide account information, and show proof of income. Having this information is merely what Amscot needs to begin evaluating a customer for the cash advance service; it does not guarantee approval.
  
  Ms. ******* supplied the documentation Amscot needed to complete its review. Regrettably, the information was insufficient to verify her income. While Ms. ******* was still in the branch, she received a letter notifying her of the denial and that it was due to unverifiable income. As Ms. ******* indicates in her message, she also received a verbal explanation from the Amscot Associate who assisted her.
  
  Amscot has reached out to Ms. ******* to discuss this matter but has been unable to make contact. Amscot is happy to review any updated documentation Ms. ******* may have. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the concern. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
  
  Sincerely,
  Amscot Legal Department
  
  cc: Board of Directors and General Counsel/Chief Compliance Officer
  Charity W., Director of Human Resources and Customer Care