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:06/04/2024
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.
I took out a payday loan from this company late last year. I had taken out several before with this company and paid them all back. Suddenly I lost my job, and was unable to keep making payments. Advance America sent me some texts and emails, I replied to them about my situation. They never followed up with me, never tried to get me on any hardship plan, never checked in with me, and now they're wasting their money and everyone's time by having Enterprise Recovery harass and threaten me. ******** close this, I am not paying some scummy collection company because you guys chose to ignore when I reached out for help during one of the most difficult periods of my life I've ever had. I almost got evicted.
Business 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 Colorado, 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 had originated a new
loan last year; however, lost their job and was unable to continue satisfying
the required payments. ***** ****** states, “Advance America sent me some texts
and emails, I replied to them about my situation” and “They never followed up
with me, never tried to get me on any hardship plan, never checked in with me,
and not they’re wasting their money and everyone’s time by having Enterprise
Recovery harass and threaten me.”
Our records indicate that ***** ****** entered into a Customer
Loan Agreement (“Agreement”) with Advance America on August 10, 2023. Pursuant
to the Agreement, ***** ****** agreed to repay an amount of one thousand two
hundred dollars ($1200) in twelve (12) bi-monthly installments of one hundred
dollars ($100) due on January 19, 2024. ***** ****** made total payments of one
hundred dollars ($100) as agreed. After multiple unsuccessful attempts to
collect and contact ***** ****** regarding their past due balance, their loan
entered default on October 2, 2023, which halts all interest from accruing.
When no further payments were received, ***** ******’s loan was sold to
******** **** ******** on February 25, 2024, with a balance of one thousand
eighty-five dollars and eighty-nine cents ($1085.89). We recommend ***** ******
reach out to ******** **** ******** at ***** ******** to discuss mutually
agreeable payment options.
Upon receipt of ***** ******’s complaint referencing Advance
America not checking in with them nor answering emails sent, we are truly
perplexed. We do not have a record of ***** ****** emailing Advance America or
calling to discuss their situation. Advance America sent multiple emails and
texts with instructions on how to cure their past due balance and provided
phone numbers ***** ****** could contact to discuss their situation and request
further assistance. Unfortunately, at this time, Advance America no longer
holds the loan, therefore, ***** ****** will have to contact ******** **** ********.
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
Colorado, 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:05/31/2024
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 apply for a loan and they put fake checks in my bank accountBusiness Response
Date: 06/06/2024
June 6, 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 apply for a loan and
they put fake checks in my bank account”.
Please be advised that the loan in question did not originate
from us, Advance America. Advance America would never operate under the
conditions explained in the above complaint. The communications stated in ****** ******* complaint appear to be part of an effort to defraud consumers, by
falsely claiming to represent Advance America. Finally, Advance America does
not operate brick-and-mortar storefront locations in the state of Illinois, nor
does it offer online services to residents in the state of Illinois.
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:05/30/2024
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 sent me a letter of loan approval. They asked me to pay 100$ to get the loan then the next day they ask for 250$ for the oloan to proceed because they said the government agency would look at it as tax fraud on my end. I told them no thanks I don’t want such a loan they said they keep the 100$ dollars and I asked twice to cancel the loan. Mike J****** said they couldn’t refund me. The letter have no address but there is a phone number for Mike J****** **********Business Response
Date: 06/06/2024
June 6, 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 Karen
McKay. We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ***** asserts they received loan approval
letter from Advance America; however, was requested to send $100 to obtain said
loan. ***** ***** further asserts they were requested the following day to send
$250 to obtain the loan due to it being viewed as tax fraud. ***** ***** states,
“The letter have no address but there is a phone number for Mike J******
**********.” ***** ***** provided a screenshot of the approval letter from “Priority
Loan Servicing”.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America is not affiliated
with the business “Priority Loan Servicing”. Additionally, Advance America does
not own or operate the phone number, “************”. The communications stated in
***** *****’s complaint appear to be part of an effort to defraud consumers, by
falsely claiming to represent Advance America. Finally, Advance America does
not operate brick-and-mortar storefront locations in the state of Georgia, nor
does it offer online services to residents in the state 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:05/30/2024
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 emailed by the Named of Deena K****** from financial crime enforcement network. But i am not sure if this is real or just try to threathen me and will scam me. I dont remember i took a loan from this company and i never received any letter/notice from this company.Business Response
Date: 06/06/2024
June 6, 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 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, ******** ***** asserts they were contacted by
the Financial Crime Enforcement Network regarding a debt from “Cash Advance”. ******** ***** provided screenshots of the debt notification sent from “***********************************”.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America employees do not utilize
email address on the domain “**********” for business purposes. Additionally
Advance America is not affiliated with the business “Cash Advance”. 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 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:05/29/2024
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 never applied for a loan with this companyBusiness Response
Date: 06/03/2024
June 3, 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, ***** ********** states, “I never applied for a
loan with this company”. ***** ********** attached their loan document with
their complaint.
According to our records, ***** ********** entered into a
Customer Loan Agreement (“Agreement”) with Advance America located at 8320
Colerain Avenue, Cincinnati, OH 45239 on June 14, 2023. Pursuant to the
Agreement, ***** ********** agreed to repay an amount of one thousand four
hundred ninety-six dollars and eighty-nine cents ($1496.89) in twenty-five (25)
bi-weekly installments of fifty-seven dollars and fifty-seven cents ($57.57)
and one (1) final installment of fifty-seven dollars and sixty-four cents
($57.64) due on June 7, 2024. ***** ********** made total payments of two
hundred eighty-seven dollars and eighty-five cents ($287.85) towards their
balance. After not receiving further payments and multiple unsuccessful
attempts to contact ***** **********, their loan was sold to National Debt
Holdings on February 25, 2024. We recommend ***** ********** reach out to
National Debt Holdings at (877) 277-5571 to discuss mutually agreeable payment
options.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America does not own or
operate the phone number **************. Additionally, Advance America does not
offer loan amounts of $5000 as stated on the loan documentation Grady
Cunningham attached with their complaint. 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 Advance America, Cash Advance Centers of
Ohio, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:05/28/2024
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 have received a call from Advance America and a guy named Jack W******* stated that I was approved for a loan of $5000. After getting all my banking information and paperwork done. He said I would be receiving my loan within a day I waited nothing ever came from this particular event. After a week or so I have concluded that this is a fraudulent company and nothing will ever materialize from this matter. I'm very angry and disappointed as well.
Luckily for me the money I was told to send was from my ******* ***** account that I immediately refunded the money and never will look back again. Thank youBusiness Response
Date: 06/03/2024
June 3, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ****** ******* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of Indiana, 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 have received a call
from Advance America and a guy named Jack W******* stated I was approved for a
loan of $5000.” ****** ******* asserts after all the paperwork was completed,
they would receive the loan proceeds, however, that did not happen. ****** ******* states, “Luckily for me the money I was told to send was from my ******* ***** account that I immediately refunded the money and never will look back
again.” ****** ******* provided the loan documents from “Priority Loan Servicing”
with their complaint.
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 complained of above. Advance America would never deposit
funds into a customer’s account only to request their immediate return.
Furthermore, Advance America does not offer loans of $5000 in the state of Indiana.
Advance America is not affiliated with the business name “Priority Loan
Servicing.” 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 Advance America, Cash Advance Centers of
Indiana, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:05/22/2024
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 told me I got a loan of 3000 they were going to put the money in but then said my credit wasn't good to put money in and sending back. So now I canceled now they want to charge 250 to cancel sorry didn't believe in it please tell me what to doBusiness Response
Date: 05/28/2024
May 28, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ******* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of Wyoming, 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 Advance America told them
they got a loan for $3000 and Advance America would put money into their account;
however, their credit was not adequate so the money would need to be sent back.
***** ******* states, “So now I canceled and now they want to charge 250 to cancel
sorry didn’t believe in it please tell me what do to.”
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 complained of above. Advance America would never deposit
funds into a customer’s account only to request their immediate return. Furthermore,
Advance America does not offer loans of $3000 in the state of Wyoming. 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 Advance America, Cash Advance Centers of
Wyoming, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:05/09/2024
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 applied for a loan on line and a lady called and asked how much i needed to borrow and i said $2500.00she said you can borrow $4000.00 and your payments will be less than $250.00 a month. Than she said a loan person will call me in a bit to stay available.. When the gentleman called he was doing all sorts of things and even had me call my bank... this was going on for a long time and i started to feel like i was being taken.. he said he was going to sent money to my **** *** I had $237.88 in my checking account... when we were finished i checked my account and i was in the negative. I called the next day because of course they were closed by the time he finished. They lady that first called me said they would call me back .. I never heard anything... so i send a message saying I was going to call the BBB... Then they called while I was working on Saturday April 27th I told them i couldn't talk but he insisted and was very rude telling me i should be thanking him that he was going to give me $4000.00 and the money they took They were to deposit it in my **** *** but I never received either and I told them all I wanted was my money back... I never heard anything else from themBusiness Response
Date: 05/17/2024
May 17, 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, ***** **** asserts they needed a loan of $2500
and was approved for up to $4000 with payments being less than $250 a month.
Further ***** **** states, “He said he was going to sent money to my **** *** I
have $237.88 in my checking account…when we were finished I checked my account
and I was negative.” Finally, ***** **** asserts they did not receive the loan
proceeds as promised and did not hear further from the company.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America does not conduct
business in the manner that was mentioned above, using ***** **** to deposit or
remove funds from a customer’s account. Additionally, Advance America does not
offer loans of four thousand dollars ($4000) in the state of Ohio. 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 Advance America, Cash Advance Centers of
Ohio, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystCustomer Answer
Date: 05/21/2024
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.]
Regards,
***** ****Initial Complaint
Date:05/09/2024
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 had already filed a dispute with ********** and I also reported this to BBB. It had came off my *********** Now,months later it has appeared on my ******* report. I have NEVER opened an account with Advance America, nor can I find a date that this account was supposedly opened. This company has done this to countless others it appears. I would appreciate the matter looked into please!! Thank you!!Business Response
Date: 05/17/2024
May 17, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ****** * ********* *** ********
Dear Cindy:
ACSO of Ohio, Inc. d/b/a Advance America (“Advance America”) is
in receipt of the complaint filed by ******* ******. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint, ******* ****** states, “I had already filed a dispute
with ********** and I also reported this to BBB.” ******* ****** states, “It
had come off my **********” and “Now,months (sic) later it has appeared on my
******* report.” ******* ****** states, “I have NEVER opened an account with
Advance America, nor can I find a date that this account was supposedly
opened.”
In Ohio, Advance America was registered as a Credit Services
Organization. They assisted customers by gathering information for NCP Finance
Ohio, LLC (the "Lender"), which used this information to decide
whether to issue a loan. Approval or denial of the loan was based on the
Lender's criteria. If approved, the Lender funded the loan as specified in the
Promissory Note. Upon the customer's request and in exchange for the loan,
Advance America provided a guaranty to the Lender for the amount specified in
the Promissory Note. If the customer defaulted, the Lender demanded payment on
the guaranty for the outstanding amount. Consequently, due to the customer's
non-payment and the Lender calling the guaranty, the customer would owe Advance
America the unpaid loan amount initially provided by the Lender.
According to our records, ******* ****** entered into a
Promissory Note with the Lender on December 6, 2017. Pursuant to the Promissory
Note, ******* ****** agreed to repay an amount of one thousand twenty-three
dollars and forty-nine cents ($1023.49) in thirteen (13) bi-weekly installments
of seventy-eight dollars and seventy-three cents ($78.73) due on June 8, 2018. Tiffany
Strick made total payments of two hundred two dollars and twenty-three cents
($202.23). After multiple unsuccessful attempts to contact ******* ****** and
collect their past due balance, their loan was sold to ***** ******** on June
10, 2022, with a balance of eight hundred eighteen dollars and thirty-five
cents ($818.35).
If ******* ****** did not originate the loan discussed above,
they may send in a Police Report or FTC Identity Theft Report to [email protected].
We recommend ******* ****** reach out to ***** ******** ** ***** ******** to
discuss mutually agreeable payment options and concerns related to their credit
report.
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 Ohio, Inc. d/b/a Advance America under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystCustomer Answer
Date: 05/20/2024
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.]
Regards,
******* ******Customer Answer
Date: 05/20/2024
I still am claiming to never have opened an account with Advance America. Never received a bill or anything. Would love a copy of documents. I didn't live in Ohio in 2017. Never knew of this collection until it appeared on credit report. Not understanding how it got removed from ********** *hen reappeared on ******* report. It got removed from ********** months ago after getting in touch with BBB. Absolutely ridiculous!!!Business Response
Date: 05/29/2024
May 29, 2024
Cindy R*****
Better Business Bureau*** ***** ****** *
****** **** *
Greenville, SC 29601
RE: ******* ****** * ********* *** ********
Dear Cindy:
ACSO of Ohio, Inc. d/b/a Advance America (“Advance America”) is
in receipt of the complaint filed by ******* ******. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint, ******* ****** asserts they did not open an
account with Advance America and did not live in Ohio in 2017. ******* ******
asserts they were unaware of the loan until it appeared on their credit report.
In Ohio, Advance America was registered as a Credit Services
Organization. They assisted customers by gathering information for NCP Finance
Ohio, LLC (the "Lender"), which used this information to decide
whether to issue a loan. Approval or denial of the loan was based on the
Lender's criteria. If approved, the Lender funded the loan as specified in the
Promissory Note. Upon the customer's request and in exchange for the loan,
Advance America provided a guaranty to the Lender for the amount specified in
the Promissory Note. If the customer defaulted, the Lender demanded payment on
the guaranty for the outstanding amount. Consequently, due to the customer's
non-payment and the Lender calling the guaranty, the customer would owe Advance
America the unpaid loan amount initially provided by the Lender.
As stated in the May 17, 2024, response, according to our
records, ******* ****** entered into a Promissory Note with the Lender on December
6, 2017. Pursuant to the Promissory Note, ******* ****** agreed to repay an
amount of one thousand twenty-three dollars and forty-nine cents ($1023.49) in
thirteen (13) bi-weekly installments of seventy-eight dollars and seventy-three
cents ($78.73) due on June 8, 2018. We have mailed the agreement to ******* ****** for their review as well as attached it to the response. ******* ******
made total payments of two hundred two dollars and twenty-three cents
($202.23). After multiple unsuccessful attempts to contact ******* ****** and
collect their past due balance, their loan was sold to ***** ******** on June
10, 2022, with a balance of eight hundred eighteen dollars and thirty-five
cents ($818.35).
If ******* ****** did not originate the loan discussed above,
they may send in a Police Report or FTC Identity Theft Report to [email protected].
We recommend ******* ****** reach out to ***** ******** ** ***** ******** to
discuss mutually agreeable payment options and concerns related to their credit
report.
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 Ohio, Inc. d/b/a Advance America under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk Analyst
AttachmentCustomer Answer
Date: 05/29/2024
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.]
Regards,
******* ******Initial Complaint
Date:05/08/2024
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.
Hello, I am writing in regards to my Store Loan. This loan is past the Statute of Limitations for the State of Delaware, I am in ZERO POSITION to pay anything as I am unemployed with ZERO money, support, unemployment benefits and homeless without a car. I have been living on the streets for almost two years along with other personal issues and I am asking that this debt be forgiven and removed from ALL RECORDS WITHIN 30 DAYS!!Business Response
Date: 05/16/2024
May 16, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: **** ****** * ********* *** ********
Dear Cindy:
NCAS of Delaware, 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 are no longer in a
position to pay anything on their loan as they are not employed or have a
residence.
According to our records, **** ****** entered into a Consumer Loan
Agreement (“Agreement”) with Advance America on October 28, 2014. Pursuant to
the Agreement, **** ****** agreed to repay an amount of six hundred sixty-nine
dollars and thirty-four cents ($669.34) in nine (9) bi-monthly installment payments
of sixty-six dollars and ninety-five cents ($66.95) and one (1) final
installment payment of sixty-six dollars and seventy-nine cents ($66.79) due on
March 13, 2015. **** ****** made total payments of three hundred thirty-four
dollars and seventy-five cents ($334.75). **** ****** had a remaining balance
due of three hundred twenty-six dollars and thirty-seven cents ($326.37). No
further payments were received to date.
As a courtesy and with no obligation to do so, **** ******** past
due balance of three hundred twenty-six dollars and thirty-seven cents
($326.37) was waived; therefore, **** ****** no longer owes a balance to
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 NCAS of Delaware, LLC under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk Analyst
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