Complaints
This profile includes complaints for Advance America's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 323 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:05/02/2024
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 was notified from Advance America that my loan was processed and asked if I was happy. I was extremely confused, as I have never taken a loan from Advanced America. I spoke with the gentleman who explained to me that this must have been fraud and that I needed to file a police report. I did so immediately and thought everything would be taken care of on their end of things. Since then, I have received weekly statements and a delinquent notice. I have been on the phone with them multiple times and to no avail. Basically a loan was taken out online (in my name) with incorrect and fraudulent information in the amount of $1,000.00. My credit report has never been checked and I do not believe they used my correct social and also have my city incorrect on the paperwork. ( I have all of my credit Bureaus frozen and check them frequently) Recently, I was told from Advance America that I need to send in the police report with all of this information and they would take care of it. I cannot do so, as police reports are not public record in Kansas, without a lawyer or court hearing, I cannot obtain my police report. So, all that I am trying to do is clear a fraudulent loan that a company gave money to someone without actually confirming an identity or credit report etc. Please let me know what further information I can provide and if this is something that you can assist me with - Thank you - **** *****
Business Response
Date: 05/09/2024
May 9, 2024
Cindy ******
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ****** ***** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Kansas, 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 notified by Advance America that there was a loan processed using their
personal information. ****** ***** states they did not request the said loan
and have not taken a loan with Advance America before. ****** ***** states, “I
spoke with a gentleman who explained to me that this must have been fraud and
that I needed to file a police report” and “I did so immediately and thought
everything would be taken care of on their end of things.” ****** ***** asserts
they are still receiving statements and notifications of the loan.
According to our records, ****** ***** entered
into a Consumer Line of Credit (“LOC”) Agreement (“Agreement”) with Advance
America through the online portal on March 25, 2024. Pursuant to the Agreement,
****** ***** was approved to request draws of up to one thousand dollars
($1000). On March 25, 2024, ****** ***** requested and was approved for a draw
of one thousand dollars ($1000). There have been no payments made to date.
After receiving ****** *****’s complaint, we
conducted an investigation into the alleged identity theft. Unfortunately, at
this time, there is insufficient evidence to substantiate the claim of identity
theft. Our Loss Prevention team mailed a
letter to ****** ***** regarding the investigation results on April 22, 2024.
If ****** ***** would like to continue the investigation, they will need to
provide an FTC Identity Theft report or Police Report noting the above loan was
originated fraudulently. ****** ***** may send the FTC Identity Theft report or
Police Report to ******************************** or
**************************************
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 Kansas, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:05/02/2024
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.
A email just showed up
From Lisa S**** payday settlement.************* accusing me of taking a loan out with advance America. And I have ignored there attempt to collect. And now there going to file a lawsuit against me. Problem is I've never taken a loan. And this was the first time I've heard of it. What can I do to protect myself ?Business Response
Date: 05/08/2024
May 8, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ******* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Nevada, 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, “A
email just showed up From Lisa S**** payday settlement.************* accusing
me of taking out a loan with advance (sic) America.” ***** ******* states, “And
now there going to file a lawsuit against me.” ***** ******* asserts they have
not ever taken out a loan with Advance America.
Please be advised that the loan and
communications in question did not originate from us, Advance America. Advance
America employees do not utilize email addresses on the domain ************ for
business purposes. Furthermore, Advance America would never threaten a customer
with legal action that could not lawfully be undertaken, nor would it condone
such behavior by third parties acting on its behalf. The communications stated in
***** ********* complaint appear to be part of an effort to defraud consumers,
by falsely claiming to represent Advance America. We have previously
communicated similar efforts to state and federal regulators as well as the
Federal Bureau of Investigation and local law enforcement agencies.
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 Nevada, Inc. under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:04/24/2024
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 got a text from ******* ** stating that I was approved up to $8,000 on 4/22/24 from Advance America. Then he transferred me to ******* and was approved for $5,000. The next day (today 4/23/24) ******* told me to buy 2 ****** gift cards and put $250 on each card which I did unfortunately-stupid me. Before that, they needed my account information, driver license, user name and password. I suspected a scam and told them that it was a scam. They proceeded to tell me it wasn’t a scam and they threaten me if I didn’t do what they told me to do. I did it anyway. Later on that day, they promised me that my loan would be in my account within minutes, etc. it wasn’t and I called them again and they said they are waiting for approval from their department. Still no loan. Once again I called the numbers and ********* number was disconnected while ********* phone was restricted. I was SCAMMED and didn’t receive my loan. In the meantime, I filed claims from my bank for the reversal transactions and am afraid that my account will be overdrawn by the time I go to my bank tomorrow to close my account and open a new one. I will be filing with the local police about this tomorrow (4/24/24) about me being a victim of this scam. I’m warning others, if it seems to be true it’s not but a SCAM!!Business Response
Date: 05/01/2024
May 1, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
*********** ** *****
*** ***** ******* - Complaint
ID: 21617004
Dear Cindy:
Advance America, Cash Advance Centers of Kentucky, 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 were contacted by
text regarding a loan approval of up to $8,000 on April 22, 2024. ***** *******
states, “…Michael told me to buy 2 Target gift cards and put $250 on each card
which I did unfortunately”. ***** ******* states, “Before that, they needed my
account information, drivers license, user name, and password.” ***** *******
asserts that they suspected they were part of a scam; however, “they proceeded
to tell me it wasn’t a scam and they threaten me if I didn’t do what they told
me to do.” ***** ******* states, “…I filed claims from my bank for the reversal
transactions and am afraid that my account will be overdrawn by the time I go
to my bank tomorrow to close my account and open a new one.”
According to our records, ***** ******* entered into a Customer
Loan Agreement (“Agreement 1”) with Advance America on September 10, 2008.
Pursuant to Agreement 1, ***** ******* agreed to repay an amount of five
hundred dollars ($500) on or before September 24, 2008. A check payment was
attempted on October 8, 2008, in the amount of five hundred dollars ($500); however,
returned unpaid which resulted in a two dollar ($2) returned fee. ***** *******
made total payments of four hundred twenty dollars ($420) towards their past
due balance. After not receiving any further payments, ***** *******’s loan was
sold to National Credit Adjusters on January 4, 2010.
According to our records, ***** ******* entered into a Customer
Loan Agreement (Agreement 2”) with Advance America on July 7, 2023. Pursuant to
Agreement 2, ***** ******* agreed to repay an amount of three hundred
fifty-three dollars and ninety-four cents ($353.94) on or before July 28, 2023.
After multiple unsuccessful attempts to contact ***** ******* regarding their
past due balance, their loan was sold to ******** ****** ********* on November
19, 2023.
We recommend ***** ******* contact ******** ****** ********* ** ***** ******** to discuss mutually agreeable payment solutions regarding their
sold loans.
Please be advised that the loan and communications in question
did not originate from us, Advance America. Advance America would never operate
under the circumstances of sending funds into a customer’s account only to
request their immediate return or to have the customer “load money” on any gift
card or otherwise. The communications stated in ***** *******’s complaint
appear to be part of an effort to defraud consumers, by falsely claiming to
represent Advance America. We have previously communicated similar efforts to
state and federal regulators as well as the Federal Bureau of Investigation and
local law enforcement agencies.
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
Kentucky, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:04/22/2024
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.
I was offered a loan by America Advance of 5000 dollars. So I was being continuously called by the company say they were going to deposit money into my account. I completed a Docusign and I was ready to receive my loan. So I was told to go to ******* to have the cash center scan a barcode that they texted me to load the money that they sent me back to them. My account was in the negative so I was grateful that they were going to help. So later that night they deposited another 3000 in my account that I was not aware of. I know I keep saying deposit but that morning I noticed they were reversing my car payments as well as my insurance payments, also they reversed a lot of insufficient money charges from ***** ***** They hacked my account, that's where the money came from. So I get an email stating my car payment is 33 days late. So now I'm behind in my car payments as well as my life insurance payments. They need to be stopped. Also they were calling from their ******* Nobody is to be trusted. They also told me to get a lawyer.Business Response
Date: 04/29/2024
April 29, 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 they were
offered a loan of $5000 by Advance America. ******* ***** states, “So I was
being continuously called by the company say they were going to deposit money
into my account.” ******** ***** states, “I completed a Docusign and I was
ready to receive my loan” and “So I was told to go to ******* to have the cash
center scan a barcode they texted me to load the money that they sent me back
to them.” ******** ***** asserts transactions were being reversed within their
bank account.
Please be advised that the loan and communications
in question did not originate from us, Advance America. Advance America would
never operate under the circumstances of sending funds into a customer’s
account only to request their immediate return or to have the customer “load
money” on any card or otherwise. Advance America employees do not utilize “DocuSign”
for business purposes. The communications stated in ******** *****’s complaint
appear to be part of an effort to defraud consumers, by falsely claiming to
represent Advance America. We have previously communicated similar efforts to
state and federal regulators as well as the Federal Bureau of Investigation and
local law enforcement agencies. Lastly,
Advance America does not operate brick-and-mortar storefront locations in the
state of Illinois, nor does it offer online services to residents 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:04/22/2024
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.
On 4/13/2024 I applied for a loan on Advance America's website. I chose the debit card from my bank that is valid, and listed online in my account for the money to go to. After not receiving the funds, I looked closer and realized they put the money on a card that was either a card from long ago, or a card that never existed. Even if this card was attached to my bank, it was inactive and my bank has no record of the card, and I cannot locate any other bank account that would have an open account t with that card. I called Advance America the the immediate Monday, because customer support was not open, and I've been calling them daily asking for either the money, or for them to tell me where the money went. It is now Friday the 19th of April, it's been nearly a week yet they have no update. They said they were tracing the funds after they opened up a ticket 5 days ago. I find it impossible that they would not know where they send their money One agent told me that basically it's my fault, and that I should know the card. I did not put the money on that inactive card, advance america did. I cannot retrieve my loan from a card that does not exist. Another agent told me she was all over it and contacting someone else who was in a meeting, and would be done in 15 minutes, and never called me back. I am not rich. I am poor, and that is why I'm forced to use Advance America to cover bills whenever there are extra expenses. In less than a week, they will more than likely reach in and take money out of my bank to cover the loan I never received. The fact that they've gotten nowhere with their ticket in 5 working days and never called me back, shows they truly don't care about the misfortune of their customers even if they caused it. I want the money immediately, or they need to withdraw and forgive the loan immediately, and apologize, paying any fees I incurred due to their flawed system and lack of customer service.Business Response
Date: 05/01/2024
May 1, 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, ******* ****** asserts they
applied for a loan through the Advance America online portal and selected an
active card for the loan proceeds to be deposited on to. ******* ****** states
when the proceeds were not deposited timely, they realized the proceeds went
onto a different card. ******* ****** states, “I called Advance America the the (sic) immediate Monday, because
customer support was not open, and I’ve been calling them daily asking for
either the money, or for them to tell me where the money went.” ******* ****** asserts
that it has taken more than a week to track where the funds went. ******* ****** asserts they want an apology and any fees taken care of due to this
issue.
According to our records, ******* ****** entered into a Customer Loan Agreement (“Agreement”) with Advance America on
April 14, 2024, through the online portal. Pursuant to the Agreement, ******* ****** agreed to repay an amount of two hundred eighty-two dollars and thirty-five
cents ($282.35) on or before April 25, 2024. ******* ****** requested and was
granted a promise to pay (“PTP”) for May 3, 2024, due to not receiving the loan
proceeds timely. We did confirm that ******* ****** did receive their loan
proceeds.
With regards to ******* ******** complaint
referencing not receiving their loan proceeds, we can understand their dissatisfaction.
Tracing transactions can take some time to complete. We did review the
complaint with our internal teams to ensure we are communicating efficiently
and timely. Additionally, we recommend ******* ****** make sure they review their
debit card numbers on the portal prior to originating their loan to ensure the
correct debit card is selected. We also recommend ******* ****** email ************************************* regarding their fee refund request.
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:04/16/2024
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.
Being harrased by this company threatening to sue and garnish my wages on a payday loan I don't even remember taking out .no one has ever tried to contact me on such notice .I ask the company to stop harassing me and sending threading emails .Business Response
Date: 04/22/2024
April 22, 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, “Being harrased
(sic) by this company threatening to sue and garnish my wages on a payday loan
I don’t even remember taking out.”
Please be advised that the loan and communications
in question did not originate from us Advance America. Advance America would
never threaten customers with legal action that could not lawfully be
undertaken, nor would it condone such behavior from third parties acting on its
behalf. The communications stated in ***** ******* complaint appear to be part
of an effort to defraud consumers, by falsely claiming to represent Advance
America and further appear to be using improper and illegal collection
practices while doing so. We have previously communicated similar efforts to
state and federal regulators as well as the Federal Bureau of Investigation and
local law enforcement agencies. Lastly,
Advance America does not operate brick-and-mortar storefront locations in the
state of Pennsylvania, nor does it offer online services to residents of Pennsylvania.
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
AnalystCustomer Answer
Date: 04/24/2024
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:04/11/2024
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 not liable for this debit with ADVANCE AMERICA.
I do not have a contract with CONSUMER ADJUSTMENT CO.
They did not provide me with the original contract as requested.Business Response
Date: 04/19/2024
April 19, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ****** ************* Complaint ID ********
Dear Cindy:
ACSO of Michigan, Inc. 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, ***** ****** states, “I’m
not liable for this debit with ADVANCE AMERICA.” ***** ****** states, “I do not
have a contract with CONSUMER ADJUSTMENT CO” and “They did not provide me with
the original contract as requested.”
According to our records, ***** ****** entered
into a Customer Loan Agreement (“Agreement 1”) with Advance America on September
11, 2018. Pursuant to Agreement 1, ***** ****** agreed to repay an amount of
two hundred twenty-nine dollars and forty-nine cents ($229.49) due on or before
September 28, 2018. On September 28, 2018, an ACH debit was attempted in the
amount of two hundred twenty-nine dollars and forty-nine cents ($229.49),
however, returned unpaid, resulting in a twenty-eight dollar and sixty-six cents
($28.66) return item fee. On October 25, 2018, an ACH debit was attempted in
the amount of two hundred twenty-nine dollars and forty-nine cents ($229.49)
which cleared. There is a balance remaining of twenty-eight dollars and
sixty-six cents ($28.66). You may contact our Customer Care Team at ***** ******** do discuss mutually agreeable payment options.
According to our records, ***** ****** entered
into a Customer Loan Agreement (“Agreement 2”) with Advance America on November
13, 2018. Pursuant to Agreement 2, ***** ****** agreed to repay an amount of
three hundred forty-two dollars and forty-nine cents ($342.49) on or before November
23, 2018. An ACH debit in the amount of three hundred forty-two dollars and
forty-nine cents ($342.49) was attempted on November 23, 2018, however returned
unpaid resulting in a twenty-eight dollar and sixty-six cent ($28.66) returned
item fee. After multiple unsuccessful attempts to contact ***** ****** and
collect the past due balance, their loan was sold to ***** ********* *** on
December 21, 2021, with a balance of three hundred forty-two dollars and
forty-nine cents ($342.49). We recommend you reach out to ***** ********* *** at ***** ******** to discuss mutually agreeable payment options.
With regards to your grievance that you do not
owe a debt to Advance America or have a contract with Consumer Adjustment Co,
we are perplexed. In the assignment section of ***** ******’s Agreement 2, we provide
notice that we may sell or transfer the agreement or any of our rights under
the agreement to any party, including a collection agency. Consumer Adjustment
Co works with ***** ********* **** We recommend you reach out to ***** ********* *** at ***** ******** to discuss mutually agreeable payment options. Furthermore,
under Agreement 1, there is a balance remaining of twenty-eight dollars and
sixty-six cents ($28.66). You may contact our Customer Care Team at ***** ******** do discuss mutually agreeable payment options.
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
Michigan, Inc. d/b/a Advance America under any applicable laws, statutes, or
procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:04/09/2024
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.
Hi today I received a call from a number ************ and I was told that I was being subpoenaed to come to court for a case from 2011 for $3,000 I'm not aware of I pay my bills my credit is excellent if anything was on my credit it would have been paid for they're trying to say that I owe this amount of money is a fraud and the company number that I've been calling ************ and also ************** as well as ************* a fraudulent numbers I cannot talk with no one I put in my information it said that have nothing on me and I'm trying to get a complaint filed against these people as soon as possible my number is *************Business Response
Date: 04/18/2024
April 18, 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. It
appears ******** ****** is a victim of a scam.
In the complaint, ******** ****** states, “Hi
today I received a call from a number ************ and I was told that I was
being subpoenaed to come to court for a case from 2011 for $3,000 I’m not aware
of I pay my bills my credit is excellent if anything was on my credit it would
have been paid for”.
Please be advised that the communications in
question did not originate from us Advance America. Furthermore, Advance
America does not own or control the phone number ****** *********. Advance
America would never threaten customers with legal action that could not
lawfully be undertaken, nor would it condone such behavior from third parties
acting on its behalf.
According to our records, ******** ******
entered into a Customer Loan Agreement (“Agreement”) with Advance America on September
30, 2011. Pursuant to the Agreement, ******** ****** agreed to repay amount of
three hundred dollars ($300) on or before November 1, 2011. After multiple
unsuccessful attempts to collect the past due balance and contact ******** ******,
their loan was sold to First Financial on August 11, 2012 with a balance of
three hundred dollars ($300). First Financial confirmed they sold the loan to
United Debt Holdings who is no longer in business.
The communications stated in ******** ******’s
complaint appear to be part of an effort to defraud consumers, by falsely
claiming to represent Advance America and further appear to be using improper
and illegal collection practices while doing so. We have previously
communicated similar efforts to state and federal regulators as well as the
Federal Bureau of Investigation and local law enforcement agencies. Lastly, 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.
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:04/03/2024
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.
To Whom It May Concern,
I am writing to file a formal complaint against Advance America located at ***** ** ** **** *** ********* ** *****. My experience with this company has been nothing short of appalling and has left me deeply dissatisfied and frustrated.
Despite my explicit request due to severe hardship, Advance America proceeded to withdraw monthly payments from my account through ACH without authorization. This action caused my account to have insufficient funds, resulting in additional financial strain and inconvenience for me.
Upon contacting Advance America to rectify the situation, I was met with unhelpful and unsympathetic responses. Despite being transferred to their "Customer Care" department, the individual I spoke to failed to provide any meaningful assistance and instead directed me to email ********************. When I requested a fax number to expedite the resolution process, I was outright refused.
To exacerbate matters, Advance America demonstrated a complete lack of cooperation when I sought assistance from a consumer advocacy organization. They refused to engage in dialogue or provide any assistance, leaving me to navigate this ordeal alone.
The conduct of Advance America reflects a blatant disregard for customer welfare and ethical business practices. Their actions have needlessly compounded my financial distress during an already challenging period. It is evident that their profit-driven agenda takes precedence over genuine concern for customer well-being.
I am filing this complaint to raise awareness of the heartless and unethical practices employed by Advance America. I urge individuals to exercise caution when considering conducting business with this company, as their actions demonstrate a callous disregard for customer needs and integrity.
I sincerely hope that this complaint serves as a deterrent to others and prompts Advance America to reconsider their business practices and prioritize customer care and satisfaction.Business Response
Date: 04/17/2024
April
17, 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, ******* ******* states, “I am writing to file a formal complaint
against Advance America located at ***** ** ** **** *** ********* ** *****. My
experience with this company has been nothing short of appalling and has left
me deeply dissatisfied and frustrated. Despite my explicit request due to
severe hardship, Advance America proceeded to withdraw monthly payments from my
account through ACH without authorization.
According
to our records, ******* ******* entered into a Customer Loan Agreement
(“Agreement”) with the Advance America storefront located at ***** **** *** ******* ********* ** ***** on February 2, 2024. Pursuant to Agreement, ******* ******* agreed to repay an amount of two thousand three hundred twenty-eight
dollars and seventy-four cents ($2328.74) in eleven (11) monthly installments
of one hundred ninety-four dollars and eight cents ($194.08) and one (1) final
installment payment of one hundred ninety-three dollars and eighty-six cents
($193.86) due on January 31, 2025. On March 1, 2024, a debit card payment in
the amount of one hundred ninety-four dollars and eight cents ($194.08) was
attempted, however, returned unpaid. On March 2, 2024, an ACH debit was
attempted in the amount of one hundred ninety-four dollars and eight cents
($194.08), however returned unpaid resulting in a nineteen dollar and forty-one
cent late fee ($19.41). When no further payments were made, ******* *******’s
loan entered default which halts all interest from accruing. ******* *******
currently has a balance due of one thousand two hundred fifty-eight dollars and
sixty-four cents ($1258.64).
Upon
receipt of ******* *******’* complaint, an investigation was conducted. Unfortunately,
we do not have record of ******* ******* requesting to revoke electronic
authorization or any calls being made on February 28, 2024. We do have record
of calls being made on March 21, 2024, and April 2, 2024, with ******* *******
and a third-party Consumer Support. On those calls, ******* ******* and the third-party
Consumer Support was directed to provide power of attorney documentation to further
discuss the account over the phone. The third-party Consumer Support stated
there was not a power of attorney and they were making the call with ******* ******* as a courtesy. We apologize for the inconvenience this has caused.
We
have attempted to contact ******* ******* directly to discuss their concerns
related to their account and provide further assistance, however, have been
unsuccessful. We recommend ******* ******* reach out to 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 to 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:04/01/2024
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 sending this to you and advance america main office because the local saint Joseph, MO location isn't on BBB. This is the collection company I filed a complaint with the Saint Louis, MO ***.
******** ********** ******** ****** ***** ** ***** ****** ** ***** **: ******* *********
ToWhom it May Concern,
I have not given anyone permission to use my name, SSN or any other information to open any accounts, nor have I opened any accounts. I am demanding the following information to check the validity or fraud associated with this collection account:Date and Time the account was applied for (location if possible)IP address of the device used
Type of device used
Email address associated with the account
Phone number associated with the account
Copy of the Original Application
Photo ID Used
Bank Account Associated with the account Proof of Income used.
I am only interested in the above requested information.Business Response
Date: 04/12/2024
April
12, 2024
Cindy
R*****
Better
Business Bureau
*** ***** ****** ******* **** *
Greenville,
SC 29601
RE: **** ****** ********* ** ********
Dear
Cindy:
Advance
America, Cash Advance Centers of Florida, 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, they did not provide permission to anyone
including “Consumer Adjustment Co” to “…use my name, SSN or any other
information to open any accounts, nor have I opened any accounts.” **** *****
states, “I am demanding the following information to check the validity or
fraud associated with this collection account.”
According
to our records, **** ***** entered into a Customer Loan Agreement (“Agreement”)
with Advance America on October 26, 2018. Pursuant to Agreement, **** *****
agreed to repay an amount of three hundred thirty-five dollars ($335) on or
before November 14, 2018. We have enclosed the agreement for **** *****’s
records. After multiple unsuccessful attempts to contact **** ***** regarding
their past due balance, their loan was sold to ***** ********* *** on December
19, 2021, with a balance of three hundred thirty-five dollars ($335). We
recommend **** ***** reach out to ***** ********* *** ** ***** ******** to
discuss mutually agreeable payment options and concerns related to their credit
report.
Upon
receipt of **** *****’s complaint regarding not opening any accounts, we
conducted an investigation. The investigation concluded there is no evidence to
support a fraud claim at this time. If **** ***** would like to continue the
investigation, they may send in an FTC Identity Theft Report or police report
noting the loan above as fraud to **************************************
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 Florida, LLC under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
Enclosure: as statedCustomer Answer
Date: 04/12/2024
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.
Everything stated by the company is a LIE. I, **** ***** never agreed to or applied for anything from this company. I had no clue they existed until a debt collector in St. Lous tried to collet this debt a few months ago. Is there also an Email attached to the file? The phone number is my ex-wife's, she opened this account without my knowledge or permission, as she did with a number of accounts I am finding out about. She had access to all my vital information, because she stayed home and took care of all the finances while I worked 65-70hrs per week. Since I cannot get to FL to file a report with **** ****** ******** ****. I will file with and the ***.Again, if there is an Email I want it.
Regards,
**** *****Business Response
Date: 04/19/2024
April 19, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ****** ************* ********* ** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Florida, 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, “I have
never applied for any loans with anyone” and “I have not given anyone
permission to use my name, SSN, or any other information to open any accounts,
nor have I opened any accounts.” **** ***** states they want specific
documentation used to open the account. Lastly, **** ***** states, “The phone
number is my ex-wife’s, she opened this account without my knowledge or
permission, as she did with a number of accounts I am finding out about.”
As stated in the BBB response dated April 11,
2024, according to our records, **** ***** entered into a Customer Loan
Agreement (“Agreement”) with Advance America through the online portal on
October 26, 2018. Pursuant to Agreement, **** ***** agreed to repay an amount
of three hundred thirty-five dollars ($335) on or before November 14, 2018. We
have mailed the agreement to **** ***** for their records. After multiple
unsuccessful attempts to contact **** ***** regarding their past due balance,
their loan was sold to ***** ********* *** on December 19, 2021, with a balance
of three hundred thirty-five dollars ($335). We recommend **** ***** reach out
to ***** ********* *** ** ***** ******** to discuss mutually agreeable payment
options and concerns related to their credit report.
Upon receipt of **** *****’s complaint
regarding not opening any accounts, we conducted an investigation. The
investigation concluded there is no evidence to support a fraud claim at this
time. If **** ***** would like to continue the investigation, they may send in
an FTC Identity Theft Report or police report noting the loan above as fraud to **************************************
Furthermore, if **** ***** has questions
regarding the loan discussed above, they may 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 to Advance
America, Cash Advance Centers of Florida, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 04/22/2024
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.Again, everything stated by the company is an outright LIE. I **** ***** never heard of or knew of this company until the 3rd party collection company in St.Louis contacted me. When I filed the complaint about them they withdrew and sent the bill back to this company, because they know its bogus. Do they have a video of me going into their place and filling out an application? If on line do they have my email? Bet they have my ex-wives email. They don't have my phone, thy have my ex-wife's phone, because she opened this account. What was the email associated with the account, what is the IP address? what type of device was used? I guarantee they're not mine. Why won't they send me the full application? Because they know its fraud.
Regards,
**** *****Business Response
Date: 05/08/2024
May 8, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: **** ****** ********* ** ********
Dear Cindy:
Advance America, Cash Advance Centers of Florida, LLC (“Advance
America”) is in receipt of a complaint filed by **** *****. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint, **** ***** continues to assert the debt is not
theirs. **** ***** states, “When I filed the complaint about them [3rd party collection company in St. Louis] they withdrew and et the bill back to
this company, because they know its bogus.”
As stated in the BBB response dated April 11, 2024, and April 19,
2024, according to our records, **** ***** entered into a Customer Loan
Agreement (“Agreement”) with Advance America through the online portal on
October 26, 2018. Pursuant to Agreement, **** ***** agreed to repay an amount
of three hundred thirty-five dollars ($335) on or before November 14, 2018. We
have mailed the agreement to **** ***** for their records. After multiple
unsuccessful attempts to contact **** ***** regarding their past due balance,
their loan was sold to ***** ********* *** on December 19, 2021, with a balance
of three hundred thirty-five dollars ($335). We recommend **** ***** reach out
to ***** ********* *** at ***** ******** to discuss mutually agreeable payment
options and concerns related to their credit report.
We contacted ***** ********* it was confirmed they have not had
contact with **** ***** and the account was recalled from the most recent
agency as of March 17, 2024.
As stated on April 11, 2024, and April 19, 2024, upon receipt of **** ******* complaint regarding not opening any accounts, we conducted an
investigation. The investigation concluded there is no evidence to support a
fraud claim at this time. If **** ***** would like to continue the
investigation, they may send in an FTC Identity Theft Report or police report
noting the loan above as fraud to **************************************
Furthermore, if **** ***** has questions regarding the loan
discussed above, they may contact our Customer Care Team at ***** ********. As
stated, we recommend **** ***** provide an FTC Identity Theft Report or Police
Report to further the investigation into their fraud claim or to contact ***** ******** 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 to Advance America, Cash Advance Centers
of Florida, LLC under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 05/08/2024
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.
1. I have filed a complaint with the CFO and they know that because they've already replied to it.2. I filed a complaint with Identity theft.gov.
3. I'll be filing a complaint with the SC attorney generals office.
4. They know the phone number isn't mine, but they refuse to supply the email. Because they know it's an identity theft account and if they supply it, they can't deny it. It's a Gmail account with the numbers 2399 in it.
5. This company is complaisant with identity theft.
Regards,
**** *****Customer Answer
Date: 05/09/2024
I will also be filing a complaint with the SC attorney generals office. The fact that they refuse to supply the original application is proof they are aware it identity theft and are ok with it. Again the 207 area code phone number isn't mine, bet the email is gmail with 2399 in it, bet it was a ******* ****** ** ******.Business 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 Florida, LLC (“Advance
America”) is in receipt of a complaint filed by **** ****** We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint, **** ***** continues to assert the debt is not
theirs.
We thank **** ***** for providing the FTC Identity Theft Report
in their last correspondence. We have notified ***** ********, requested the
loan to be returned to Advance America, and have therefore waived the balance.
We have marked the loan as fraud and **** ***** no longer owes a balance with
Advance America. If **** ***** has further questions or concerns, they may
reach out to 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 to Advance America, Cash Advance Centers
of Florida, LLC under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystCustomer Answer
Date: 05/22/2024
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.This is complete nonsense 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 Florida, LLC under any applicable laws, statutes, or procedures."
The original application is now evidence to a crime and I want a copy of it for evidence to supply to the FTC and DOJ.
Regards,
**** *****
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