Complaints
This profile includes complaints for Advance America's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 324 total complaints in the last 3 years.
- 114 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/24/2024
Type: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 paid $40.76 on 6.30.24 on 6 21.24 Advance America drafted my bi-weekly payment of $33.76. On 6.22.24 I called to speak to one of their representatives on getting one of the payments refunded and was told no that they can't and the $40.76 would be applied to interest and principal and proceeded to ask if I wanted to pay the loan off. I told them no cause they just took all my money and that I never heard of a company not being able to issue a refund on a payment. I asked to speak to a supervisor and was told she will call me in 5 min and I have yet to hear from anyone
Business Response
Date: 06/27/2024
June 27, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ****** * ********* *** ********
Dear Cindy:
ACSO of Texas, L.P., d/b/a
Advance America (“Advance America”) is in receipt of a complaint filed by
******* ******* We have reviewed and we appreciate the opportunity to respond.
In the complaint, ******* ****** states, “I
paid $40.76 on 6/30/24 (sic) on 6 21.24 Advance America drafted my bi-weekly
payment of $33.76.” ******* ****** contends they called Advance America on
6/22/2024 to see about getting a payment refunded and was told that the extra
payment would be applied to interest and principal.
In the state of Texas, Advance America operates as a
Credit Services Organization (“CSO”). As a CSO, Advance America provides
assistance to customers who seek to enter into a loan agreement. Advance
America aids the customer in gathering information, which is then given to ***** ******* ******** *** *“Lender”). Once the Lender has the required
information, they evaluate whether a customer qualifies for a loan. The customer’s information is thoroughly
reviewed resulting in an approval or a denial.
When a customer is approved, the Lender funds the loan in the amount
identified in the agreement. At the
customer’s request and in consideration of a loan extended by the Lender,
Advance America issues a guaranty to the Lender in the amount identified in the
agreement.
According to our records, ******* ****** entered into a
Loan Agreement, Promissory Note and Security Agreement (“Agreement”) with the
Lender on March 25, 2024. Pursuant to the Agreement, ******* ****** agreed to
repay an amount of four hundred five dollars and seven cents ($405.07) in
eleven bi-weekly installments of thirty-three dollars and seventy-six cents
($33.76) and one (1) final installment of thirty-three dollars and seventy-one
cents ($33.71) due on September 13, 2024. To date, ******* ****** has made all
payments as agreed. The next payment in the amount of thirty-three dollars and
seventy-six cents ($33.76) is due on July 5, 2024, and is scheduled to be
withdrawn via ACH as agreed.
On June 20, 2024, ******* ****** accessed the
Advance America online portal and scheduled a debit card payment in the amount
of forty dollars and seventy-six cents ($40.76). Due to the time of the debit
card payment being scheduled, their regular scheduled ACH was already in the
process of being sent to their bank. On the payment screen, the pending ACH
scheduled for June 21, 2024, would have been visible to ******* ****** before
she requested the debit card payment.
If
******* ****** would like to make their payments via debit card and through the
online portal, they may contact our Customer Care Team at ***** ******** to
request to revoke ACH. Once the ACH is revoked, ******* ****** will be
responsible for making their payments manually and by the due date.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded ACSO of Texas, L.P., d/b/a Advance America under any applicable laws, statutes,
or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 06/28/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.] What she said was again never told to me or in the agreement that I had that option to not have the ACH even when I called to inquire about making a payment. There is nothing in the agreement that states if I payed over by accident that I wouldn't get a refund. My loan amount was not $405 dollars but $200 according to their automatic system and what I was given. I am asking for my $40.76 to be refunded as that was intended to be my payment for that time not knowing that they I was still gonna have to pay the $33.76. As I told all the reps that other payment coming out put my account in the negatives. If they can take my payments off ACH then that will be great and I will make my payments on my own but I do need that $40.76 or the $43.76.
Regards,
******* ******Business Response
Date: 06/30/2024
June 30, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ****** * ********* *** ********
Dear Cindy:
ACSO of Texas, L.P., d/b/a
Advance America (“Advance America”) is in receipt of a complaint filed by
******* ******. We have reviewed and we appreciate the opportunity to respond.
******* ******** complaint asserts they were not informed about the non-refundability
of overpayments and the process for revoking ACH transactions. They are seeking
a refund for the overpayment and clarifying that their loan amount did not
total $405.
In the state of Texas, Advance America operates as a
Credit Services Organization (“CSO”). As a CSO, Advance America provides
assistance to customers who seek to enter into a loan agreement. Advance
America aids the customer in gathering information, which is then given to
***** ******* ******** *** (“Lender”). Once the Lender has the required
information, they evaluate whether a customer qualifies for a loan. The customer’s information is thoroughly
reviewed resulting in an approval or a denial.
When a customer is approved, the Lender funds the loan in the amount
identified in the agreement. At the
customer’s request and in consideration of a loan extended by the Lender,
Advance America issues a guaranty to the Lender in the amount identified in the
agreement.
As stated in our June 27, 2024, response, according to
our records, ******* ****** entered into a Loan Agreement, Promissory Note and
Security Agreement (“Agreement”) with the Lender on March 25, 2024. Pursuant to
the Agreement, ******* ****** agreed to repay an amount of four hundred five
dollars and seven cents ($405.07) in eleven bi-weekly installments of
thirty-three dollars and seventy-six cents ($33.76) and one (1) final
installment of thirty-three dollars and seventy-one cents ($33.71) due on
September 13, 2024. To date, ******* ****** has made all payments as agreed. The
next payment in the amount of thirty-three dollars and seventy-six cents
($33.76) is due on July 5, 2024, and is scheduled to be withdrawn via ACH as
agreed.
On June 20, 2024, ******* ****** accessed the
Advance America online portal and scheduled a debit card payment in the amount
of forty dollars and seventy-six cents ($40.76). Due to the time of the debit
card payment being scheduled, their regular scheduled ACH was already in the
process of being sent to their bank. On the payment screen, the pending ACH
scheduled for June 21, 2024, was visible to ******* ****** before she requested
the debit card payment.
According to the Payments Authorization clause
in the agreement, ******* ****** may revoke ACH authorization by contacting
***** ******** in such time as to give us and ******* ******’s bank reasonable
opportunity to act on it. Additionally, in the prepayment clause of the
agreement, if ******* ****** pays their loan in full or makes a partial or full
payment early, they will reduce the amount of interest that is owed. Lastly, If
******* ****** pays the loan in full on September 13, 2024, they will have made
total payments of four hundred five dollars and seven cents ($405.07). ******* ****** is welcome to make additional payments to lower the amount of interest
owed and potentially receive a rebate of their CSO fee.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded ACSO of Texas, L.P., d/b/a Advance America under any applicable laws, statutes,
or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 07/01/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.
The overpayment was not intentional as the $40.76 was the payment u was making for that week. When. The $33.76 came out still I kindly asked for one of the payments to be refunded due to it putting me in an overdraft state. As stated there is nothing in the agreement stating that I was able.to not have ach payments. I picked this money up at one of the stores and the agent thar was there was argumentative and not helpful nor explained anything to me at all even after I stated this my first time with them.i have attached the agreement i do not see anywhere where it states that a refund is not able to be given for overpayment unless im missing it
Regards,
******* ******Initial Complaint
Date:06/21/2024
Type: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 received an email from Advance America at 318 this morning stating my account had been set up. I have NEVER APPLIED TO THIS COMPANY. When I called the number listed in the email, the only way to get in touch with someone was to give over my personal info (SSN, phone #). When I finally got a representative through chat, again I couldn’t get an answer to why I received an email for something I never applied.Business Response
Date: 06/27/2024
June 27, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ***** * ********* *** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a Advance America,
Cash Advance Centers, Inc. (“Advance America”) is in receipt of a complaint
filed by ******* ***** We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ******* ***** states, “I
received an email from Advance America at 318 this morning stating my account
had been set up.” ******* ***** states, “I have NEVER APPLIED TO THIS COMPANY.”
******* ***** asserts they were unable to get any information from Advance
America due to having to provide personal information which was not in the
system.
Upon receipt of ******* ******* complaint, we
immediately investigated and found an online account was created using ******* ******* personal email address only. The online account was immediately blocked and no
loan was originated.
At Advance America, our top priorities are
supporting our customers and protecting their information. We are consistently
enhancing our security measures and protocols to further strengthen our network
and continuously looking for new methods to improve our security measures.
If ******* ***** believes that they have
fallen victim to a potential scam, they may wish to visit the FBI reporting
website for further guidance and assistance in reporting this incident. The
link to this resource can be found here: It is imperative
that ******* ***** exercise caution and diligence in dealing with any financial
transactions, especially those that seem suspicious or unfamiliar.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/20/2024
Type: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.
Advance America has denied me for a payday loan multiple times, and the only explanation is a high incidence of fraud. Here’s the issue: multiple other lenders have loaned to me via payday methods, and I have never once been flagged for fraud. Contacting Advance America for more info on this led to me being stonewalled, as they refused to explain what their underwriter was allegedly seeing that no other payday provider had any issue with. I pay my cards on time & manage my money to the best of my ability, but they are the only business who offers this service that refuse to work with me.Business Response
Date: 06/27/2024
June 27, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ******* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
California, LLC (“Advance America”) is in receipt of a complaint filed by ******* ******* We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ******* ******* states, “Advance
America has denied me for a payday loan multiple times, and the only
explanation is a high incidence of fraud.” ******* ******* asserts they have
attempted to get more information from Advance America; however, has been
unsuccessful.
We understand that ******* ******* is upset
about their recent denial. When the denial was issued, ******* ******* received
a notice outlining the reasons. While we cannot guarantee approval, we
encourage ******* ******* to visit one of our storefront locations for better
assistance with their loan request.
If ******* ******* has any further questions
or concerns, they can contact our Customer Care Team at ***** *********
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Advance
America, Cash Advance Centers of California, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/17/2024
Type: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.
The company was supposed to be a loan company but it was a scam they have my bank account with ***** bank in a negative 1,000Business Response
Date: 06/21/2024
June 21, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ****** *** - Complaint ID: ********
Dear Cindy:
Purpose Financial, Inc. f/k/a Advance America,
Cash Advance Centers, Inc. (“Advance America”) is in receipt of a complaint
filed by ******* ****** **. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ******* ****** ** states, “The
company was supposed to be a loan company but it was a scam they have my bank
account with ***** bank in a negative 1,000.”
After a diligent search of our records, there
were no accounts located using the personal information provided in ******* ****** **** complaint. Advance America does not operate brick-and-mortar
storefront locations in the state of Georgia, nor does it offer online services
to residents of Georgia.
If ******* ****** **. believes that they have
fallen victim to a potential scam, they may wish to visit the FBI reporting
website for further guidance and assistance in reporting this incident. The
link to this resource can be found here: ******************** . It is imperative
that ******* ****** **. exercise caution and diligence in dealing with any
financial transactions, especially those that seem suspicious or unfamiliar.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/12/2024
Type: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 would receive a $50 referral fee. I referred my son. I was denied the $50 because my son’s email and my email are similar. He made that email when he was under 18 that’s why his email has my name also. I think it is fraud for me to be told I would receive the $50 and I didn’t.
******************** ****** and
********************* is his. Just do what yall said you would do and give me my $50Business Response
Date: 06/18/2024
June 18, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ***** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Mississippi, LLC (“Advance America”) is in receipt of a complaint filed by ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ***** asserts they
referred their son for a loan; however, was denied the referral payout due to
their emails being too similar.
According to our records, ***** ***** entered into a
Customer Loan Agreement (“Agreement”) with the Advance America storefront
located at 205A Hwy. 51 North Brookhaven, MS 39601 on March 29, 2024. Pursuant
to the Agreement, ***** ***** agreed to repay an amount of one thousand one
hundred sixty-two dollars and eighty-five cents ($1162.85) in twelve bi-monthly
installments of eighty-nine dollars and forty-six cents ($89.46) and one (1)
final installment of eighty-nine dollars and thirty-three cents ($89.33) due on
October 4, 2024. As of June 14, 2024, ***** ***** has made all payments as
agreed.
We reviewed the complaint with our team members and
discovered that ***** *****’s email was too similar to her son’s which prompted
our referral system to deny the referral for potential duplicate referral
payouts.
On June 17, 2024, ***** ***** was contacted by the
Divisional Director of Operations (DDO). During the call, the DDO explained
that the referral for ***** ***** was approved and would be emailed to their
email address on file. We hope this satisfies ***** *****.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Advance
America, Cash Advance Centers of Mississippi, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/07/2024
Type: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 sought an online loan on/by Dec.5, 2023 through Advance America, and talked by phone with an agent over the next few days. On Dec. 8th agent Mark Jackson said there would be a $1240. deposit and magically there was, he told me to go to a Walmart moneycenter and pay $1200. on an e-scan code he sent me which I did, but I never received the loan and Advance America's website and phone numbers don't work at all. Bank of America has charged my account $1200. for Jan. , Feb. 2024, but it was fixed both times. In March 2024, the bank kept all of my Social Security at $943. and 1/2 of April 2024 payment to reclaim the $1200. I wrote and affidavit for my bank, but they will not fix it. I have argued to my bank there is no way to pay on my debit card UNLESS it is in my account. Advance America's phone lines are impossible to work with and I need assistance to fix itBusiness Response
Date: 06/13/2024
June 13, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ****** ****** - Complaint ID: ********
Dear Cindy:
Purpose Financial, Inc. f/k/a Advance America,
Cash Advance Centers, Inc. (“Advance America”) is in receipt of a complaint
filed by ****** ******. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ****** ****** states, “I
sought an online loan on/by Dec 5, 2023 through Advance America, and talked by
phone with an agent over the next few days.” ****** Jones states, “On Dec.8th agent **** ******* said there would be a $1240. deposit and magically there
was, he told me to go to a ******* moneycenter and pay $1200. on an e-scan code
he sent me which I did, but I never received the loan and Advance America’s
website and phone numbers don’t work at all.” ****** ****** provided loan
documentation from “******** **** *********” with their complaint.
Please be advised that the loan documentation and
communications in question did not originate from us, Advance America. Advance
America would never operate under the conditions explained in the above complaint;
to send money to a customer’s account only to request their immediate return. Furthermore,
Advance America employees would never require a customer to utilize any money
app or “******* money center” for business purposes. Advance America does not
operate brick-and-mortar storefront locations in the state of Washington, nor
does it offer online services to residents of Washington. Lastly, Advance
America is not affiliated with the business “******** **** *********”. The
communications stated in ****** ******’s complaint appear to be part of an
effort to defraud consumers, by falsely claiming to represent Advance America.
If ****** ****** believes that they have
fallen victim to a potential scam, they may wish to visit the FBI reporting
website for further guidance and assistance in reporting this incident. The
link to this resource can be found here: ******************** . It is imperative
that ****** ****** exercise caution and diligence in dealing with any financial
transactions, especially those that seem suspicious or unfamiliar.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/06/2024
Type:Status:ResolvedMore 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.
We got a loan for 950.00 from Advance America with the intention of paying this loan off early. Our payments were 316.29 due on the 3rd of each month. We paid 316.29 on 4/4/24, and on 5/3/24 we paid 816.29. Before we left the manager Crystal V***** gave us a history screen shot showing that on 6/3/24 our payoff would be 136.80 she hi-lighted it in purple. So on 6/3/24 when we went to go pay if off she said it was going to be more money 293.80. She said the system added more money to what we owned. This is not right.
The manager could have told.us the day we paid the 816.29 that if we don't pay the 136.80 by such and such date it would go up, but she didn't. We were told that on 6/3/24 our payoff amount would be 136.80.
And we would have been in before the 3rd of June to pay it. We are on social security and can't afford to pay extra money because their system adds charges so they can get more money from senior citizens like us. We were willing to pay the 136.80.
That's all we want. This is unlawful.
Please help us.
Thank you,
**** ****Business Response
Date: 06/18/2024
June 18, 2024
Cindy R*****
Better Business Bureau*** ***** ****** ***
**** **** *
Greenville, SC 29601
RE: **** **** * ********* *** ********
Dear Cindy:
ACSO of Texas, L.P. d/b/a Advance America (“Advance
America”) is in receipt of a complaint filed by **** ****. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint, **** **** asserts they were
told they would only have to pay $136.80 which was highlighted on a transaction
history. **** **** asserts when they attempted to make a payment in June, they
were told the balance had increased and did not match the highlighted payment
amount documented on May 3, 2024.
In the state of Texas, Advance America operates as a
Credit Services Organization (“CSO”). As a CSO, Advance America provides
assistance to customers who seek to enter into a loan agreement. Advance
America aids the customer in gathering information, which is then given to
Bastion Funding TX1, LLC (“Lender”). Once the Lender has the required
information, they evaluate whether a customer qualifies for a loan. The customer’s information is thoroughly
reviewed resulting in an approval or a denial. When a customer is approved, the Lender funds
the loan in the amount identified in the agreement. At the customer’s request and in
consideration of a loan extended by the Lender, Advance America issues a
guaranty to the Lender in the amount identified in the agreement.
According to our records, **** **** entered into a
Customer Loan Agreement (“Agreement”) with Advance America on March 23, 2024.
Pursuant to the Agreement, **** **** agreed to repay an amount of one thousand
eight hundred ninety-seven dollars and seventy-three cents ($1897.73) in five
(5) monthly installments of three hundred sixteen dollars and twenty-nine cents
($316.29) and one (1) final installment of three hundred sixteen dollars and
twenty-eight cents ($316.28) due on September 3, 2024. As of May 3, 2024, **** **** has made total payments of one thousand one hundred thirty-two dollars and
fifty-eight cents ($1132.58) as agreed.
We reviewed the complaint with our team members and
discovered that the principal balance was mistakenly highlighted as the
remaining balance. We apologize for this error. To prevent future issues, we
have addressed the complaint with the branch to ensure adherence to proper
procedures. The incorrect highlighted amount was due to **** **** not making an
additional payment on the same day, allowing interest to continue accruing as
specified in the Agreement. Consequently, the balance had increased.
On June 14, 2024, **** **** was contacted by a team
member. During the call, **** **** agreed to pay one hundred thirty-six dollars
and eighty cents ($136.80) on June 20, 2024, and the remaining balance would
then be waived. Again, we apologize for the inconvenience and hope this
satisfies **** ****.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded ACSO of Texas,
L.P. d/b/a Advance America under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 06/20/2024
Dear Cindy,I am emailing you today in reference to my complaint against the Advance America in Huntsville, Tx., We received a call from their manager Jessica in Humble, Tx. saying that they are going to accept our payment for 136.80 and dismiss the remaining charges and they are zeroing out our account. We went into Advance America and paid the 136.80. The clerk apologized for the misunderstanding. Attached is a copy of the receipt and zero balance. We appreciate your help in resolving this matter.Thank you**** ****Initial Complaint
Date:06/05/2024
Type: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'm filling a complaint against advance America for fraud I don't know how they got my personal information bank information and I don't want no more contact from them I had to close my bank account I don't know have they use my card for personal use and I don't appreciate the fact they trying to ruin my credit score and I don't know I'm seeking mediation for 3,000 dollars because I don't have no loan with them never applied this company need to be sued u don't have no business with my personal information and I haven't gave it to u I don't know they need to be shut down and I don't like the fact u have my bank information they scammers but I'm not the one for that I'm contacting u bbb if u can't handle the case please forward this to a higher authority thanks and I believe they closed my regions bank accountBusiness Response
Date: 06/12/2024
June 12, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******** ********** - Complaint ID: ********
Dear Cindy:
Advance America, Cash Advance Centers of
Alabama, LLC (“Advance America”) is in receipt of a complaint filed with your
agency by ******** ********** and we appreciate the opportunity to respond.
In the complaint, ******** ********** states, “I'm filling a complaint against advance America for
fraud I don't know how they got my personal information bank information and I
don't want no more contact from them I had to close my bank account I don't
know have they use my card for personal use and I don't appreciate the fact
they trying to ruin my credit score and I don't know I'm seeking mediation for
3,000 dollars because I don't have no loan with them never applied this company
need to be sued u don't have no business with my personal information and I
haven't gave it to u I don't know they need to be shut down and I don't like
the fact u have my bank information they scammers but I'm not the one for that
I'm contacting u bbb if u can't handle the case please forward this to a higher
authority thanks and I believe they closed my regions bank account”.
As stated in the complaint response to the
CFPB on June 3, 2024, on May 17, 2024, ******** ********** contacted the
Advance America branch located at *** *********** **** ******* ** *****, to
verify if they would qualify for a loan via telephone. During the call,
******** ********** consented to the release of personal information, including
the bank account details, to complete the qualification process. Unfortunately,
******** ********** was not approved for a loan, and the denial notice was
mailed to their address. While we cannot remove ********** personal information
due to our compliance with Federal and State laws, we have opted them out of
receiving any future mail, calls, and/or emails from Advance America.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded to Advance
America, Cash Advance Centers of Alabama, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystCustomer Answer
Date: 06/12/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.
Regards,
******** **********Initial Complaint
Date:06/05/2024
Type: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.
This company stole funds from my personal checking account in the amount of $3,297.00 making it look like a loan. They have reversed numerous payments i made to merchants and then redeposited the funds into my checking account making it look like a loan. This is a scam and i was stupid enough to fall for it. Now they are harassing me and threatening me of taking legal action. How can this company have the nerve to do this to people. They should be investigated and shut down.Business Response
Date: 06/12/2024
June 12, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: **** ******** * ********* *** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a Advance America,
Cash Advance Centers, Inc. (“Advance America”) is in receipt of a complaint
filed by **** ********. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, **** ******** asserts money
was taken from her checking account by Advance America in the amount of $3,297.00.
**** ******** states, “They have reversed numerous payments I made to merchants
and then redeposited the funds into my checking account making it look like a
loan.” **** ******** states, “Now they are harassing me and threatening me of
taking legal action.”
Please be advised that the loan and
communications in question did not originate from us, Advance America. Advance
America would never operate under the conditions explained in the above complaint;
to reverse payments in a customer’s checking account. Advance America does not operate
brick-and-mortar storefront locations in the state of New Jersey, nor does it
offer online services to residents of New Jersey. Furthermore, Advance America
would never threaten a customer with legal action that could not lawfully be
undertaken. The communications stated in **** ********** complaint appear to be
part of an effort to defraud consumers, by falsely claiming to represent
Advance America.
If **** ******** believes that they have
fallen victim to a potential scam, they may wish to visit the FBI reporting
website for further guidance and assistance in reporting this incident. The
link to this resource can be found here: It is imperative that **** ******** exercise caution and
diligence in dealing with any financial transactions, especially those that
seem suspicious or unfamiliar.
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. under any
applicable laws, statutes, or procedures.
Sincerely,
Ally ******
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:06/04/2024
Type: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.
Advanced America online charged me twice from 2 different ******* to process my loan payment, first payment was for $135 and the second payment for $200. They did not process the loan, yet they tried charging me an additional $100 to process the loan payment.Business Response
Date: 06/11/2024
June 11, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ********* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of Ohio, Inc. (“Advance
America”) is in receipt of a complaint filed by ******* *********. We have
thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ******* ********* ******* “Advanced America
online charged me twice from 2 different ******* to process my loan payment,
first payment was for $135 and the second payment for $200.” R****** *********
states, “They did not process the loan, yet they tried charging me an
additional $100 to process the loan payment.”
Our records indicate that R****** ********* entered into a
Customer Loan Agreement (“Agreement 1”) with Advance America on July 16, 2005.
Pursuant to Agreement 1, R****** ********* agreed to repay an amount of four
hundred two dollars and fifty cents ($402.50) on or before August 5, 2005. On
August 20, 2005, a check payment was sent to R****** *********’s bank account
in the amount of four hundred two dollars and fifty cents ($402.50); however,
returned unpaid resulting in a returned payment fee of twenty-two dollars and
twenty-five cents ($22.25). After multiple unsuccessful attempts to contact
R****** ********* regarding their past due balance, their loan was sold to
Paragonway on November 29, 2006, with a balance of four hundred twenty-four
dollars and seventy-five cents ($424.75). Paragonway is no longer in business.
Additionally, our records indicate that R****** ********* entered
into a Customer Loan Agreement (“Agreement 2”) with Advance America on July 16,
2005. Pursuant to Agreement 2, R****** ********* agreed to repay an amount of
three hundred forty-five dollars ($345) on or before July 29, 2005. On August 12,
2005, a check payment was sent to R****** *********’s bank account in the
amount of three hundred forty-five dollars ($345); however, returned unpaid
resulting in a returned payment fee of twenty-two dollars and twenty-five cents
($22.25). After multiple unsuccessful attempts to contact R****** *********
regarding their past due balance, their loan was sold to Paragonway on November
29, 2006, with a balance of three hundred sixty-seven dollars and twenty-five
cents ($367.25). Paragonway is no longer in business.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America would never operate
under the conditions explained in the above complaint; to require payments made
to ********* for business purposes or to process a loan. The communications
stated in R****** *********’s complaint appear to be part of an effort to
defraud consumers, by falsely claiming to represent Advance America.
If R****** ********* believes that they have fallen victim to a
potential scam, they may wish to visit the FBI reporting website for further
guidance and assistance in reporting this incident. The link to this resource
can be found here: It is imperative that ******* ********* exercise caution and diligence in dealing with any financial
transactions, especially those that seem suspicious or unfamiliar.
This letter is written under a full reservation of rights and is
not intended to be, nor should it be construed as, any admission of liability
or as a waiver of any rights afforded Advance America, Cash Advance Centers of
Ohio, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
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