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:04/01/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had a gentleman text me saying that I had been approved for a loan, which I have been trying to get to repair the roof on my house. He said that he was from Advance America money lenders and he needed my banking information so that I could send him a sum of money and he would refund it to my account within minutes. I gave him my banking information, my username, my password. I made a huge mistake in doing that!! I had over $800 in my account that is now gone. I then kept calling him repeatedly until he finally answered. He stated that I could get my money back if I would do these sexually explicit things to him, which I will not repeat in this message. He was disgusting and rude!!! I could not believe the things he was saying to me!! I have never been more ashamed and embarrassed in all my life!! This man needs to be put in jail!! He is a disgrace and nasty!!!
Business Response
Date: 04/09/2024
April 9, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ******* ********* ** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a
Advance America, Cash Advance Centers, Inc., (“Advance America”) is in receipt
of a complaint filed by ******* ******. We have thoroughly reviewed and
appreciate the opportunity to respond.
In the complaint, ******* ****** states,
“I had a gentleman text me saying that I had been approved for a loan, which I
have been trying to get to repair the roof on my house.” ******* ****** states,
“He said that he was from Advance America money lenders and he needed my
banking information so that I could send him a sum of money and he would refund
it to my account within minutes.” ******* ****** states, she was met with
inappropriate and “sexually explicit” language by this gentleman.
Please be advised that the loan in question did not
originate from us, Advance America. Advance America would never operate under
the circumstances mentioned in the complaint with requesting funds upfront or
with regards to the inappropriate and “sexually explicit” language. Further,
Advance America does not operate brick-and-mortar storefront locations in the
state of West Virgina, nor do we offer online services to residents of West
Virgina. The communications stated in the above complaint appear to be part of
an effort to defraud consumers, like ******* ******, 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, ******* 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.
We reiterate that we do not acknowledge the loan described
in the communication. We appreciate the opportunity to clarify this matter and
encourage ******* to reach out to us if you require any additional information
or assistance.
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 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: 04/09/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau,
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
******* ******Initial 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 was contacted by people telling me that they belong to Advance America by text messages and by phone. I only received one full name... Kelvin S******, Dave and Jason. They did a verification process by reversing money in my bank account from things that were paid previously. I don't know what to do. They threatened me with legal action because I didn't want to continue the process, I didn't want their loan any longer for $6000. And the paperwork with signatures online was NEVER sent to me. I have no paperwork for my records. And the first round of money reversals that they did was sent to them through my cash app via bitcoin. Because my bank refused the cash transactions. Their second round of verification funds that they reversed are still sitting there. I don't know what to trust. I'm changing my passwords with my bank. And these people knew all of my information without me telling them. They just verified it back to me. Telling me about the credit bureaus and the FDIC... Threatening me with a lawsuit. All the while I've never received an email with my documents through this process.
Phone numbers that they used...************ *** ************Business Response
Date: 04/11/2024
April 11, 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. It appears **** ******* ***** is a victim of a scam.
In the complaint, **** ******* ***** states, “I
was contacted by people [Kelvin S******* Dave and Jason] that they belong to advance
America by text messages and by phone.” **** ******* ***** states, “they did a
verification process by reversing money in my bank account from things that
were paid previously.” **** ******* ***** states they were threatened with
legal action when they did not want to continue with the loan application and
states, “and the paperwork with signatures was NEVER sent to me.” **** ******* ***** states, “And the first round of money reversals that they did was sent to
them through my cash app via bitcoin.” Lastly, **** ******* ***** states, “Phone
numbers they used… ************ *** **************
Please be advised that the loan in question
did not originate from us Advance America. Advance America would never operate under
the circumstances mentioned in the complaint with reversing money in customer’s
bank accounts or utilizing “Cash App” or “Bitcoin” for business purposes. Furthermore,
Advance America does not own or control the phone numbers “************* ** **************.
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 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.
We reiterate that we do not acknowledge the loan
described in the communication. We appreciate the opportunity to clarify this
matter and encourage **** ******* ***** to reach out to us if they require any
additional information or assistance.
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:03/28/2024
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.
On Feb 7 I took out a loan for 750.00 to be paid bi weekly. However since then my hours at work was cut (only 4 hours a week). I am also on disability. I called (3 different people) to try to set up payment arrangements and they all said no because of the type of loan I took out. Since then I keep on getting calls and emails about missed payment.Business Response
Date: 04/02/2024
April 2,
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,
“On Feb 7 I took out a loan for 750.00 to be paid bi weekly.” ******* ******
states, “However since then my hours at work was cut (only 4 hours a week)” and
“I am also on disability.” ******* ****** states they want to make payment arrangements,
but was told “…no because of the type of loan I took out.”
According to our records, ******* ****** entered into a Consumer Agreement (“Agreement”) with Advance America on March
7, 2024. Pursuant to the Agreement, ******* ****** agreed to repay an amount of
nine hundred ninety-nine dollars and twenty-nine cents ($999.29) in five (5)
bi-monthly installments of one hundred sixty-six dollars and fifty-five cents
($166.55) and one (1) final installment payment of one hundred sixty-six
dollars and fifty-four cents ($166.54) due on June 3, 2024. On March 25, 2024,
a debit card payment in the amount of one hundred sixty-six dollars and
fifty-five cents ($166.55) was attempted, however, returned unpaid. As of
todays date, ******* ******** loan is delinquent.
In relation to ******* ******** concern regarding their decrease in the amount of income received, our Customer
Care Team informed ******* that payment amounts could not be changed when the
loan is active. On March 30, 2024, ******* ****** was able to revoke electronic
payment authorization. ******* ****** will need to make payments by calling
into our Customer Care Team ***** ********, at a local branch, or through the
online portal at their convenience. ******* ****** was also instructed that
once the loan enters default, they could call in to revoke Remotely Created
Check (“RCC”) authorization. We apologize for the inconvenience this has caused
*******.
If ******* ****** has further
questions or concerns related to their loan, 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 AnalystInitial Complaint
Date:03/25/2024
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.
March 21 I was contacted by Advance America that they could help me with a loan.They told me that they could boost my credit fast and that they would use there money to boost it .All I need to do is take my money out of the bank and they would deposit money into it all I had to do was send there money back to them.They told me not to open or use my debit card to pay back just take the cash out they sent me and use a prepaid Visa card to send it back .I did and they called and said I need to do one more transaction and they would deposit my loan money into my account.I even received a call from ***** that said to call them that they where ready to deposit my loan .I went to ***** and asked told them what was going on . We even called the ***** number that called me and it answered the same way ***** does but it wasn’t a ***** bank number it was a fraudulent phone number exactly impersonating ***** bank .We immediately closed my account and opened a new one and found that all the checks they put into my account bounced.Then they got ahold of my phone carrier and impersonated ***** and said I requested 3 months of charge backs and had my phones turned off.Thank goodness I opened my new account because the charge backs went into my new account.This company needs to be shut down .They are scamming anyone who does business with themBusiness Response
Date: 04/01/2024
April 1, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
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, “March 21 I was contacted by Advance
America that they could help me with a loan” and “They told me that they could
boost my credit fast and that they would use there money to boost it.” ******* ***** states, “All I need to do is take my money out of the bank and they would
deposit money into it all I had to do was send there money back to them” and “They
told me not to open or use my debit card to pay back just take the cash out
they sent me and use a prepaid Visa card to send it back.”
After
a diligent search of our records, there are no accounts using the personal
information provided by ******* ***** in their complaint. Advance America would
never deposit funds into a customer’s account only to request their immediate
return. Furthermore, Advance America would never require or request a customer
purchase a gift card of any kind for any purpose whatsoever. 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.
The
actions complained of appears to be part of an effort to defraud consumers,
like ******* *****, by falsely claiming to represent Advance America. Advance
America has previously communicated similar efforts to state and federal
regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend ******* ***** continue to document all details of any
such actions and communications in the future, not disclose any personal
information to the individuals, and, if appropriate, report such communication
to law enforcement or other proper regulatory authorities for further
investigation.
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:03/25/2024
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.
So beginning on March 18 this advance America told me I was eligible for a $4000 loan with monthly payments of $125.35 for 36 months May then proceeded to tell me that I needed to make these payment they were gonna put this money in my account and then I would pay it back to them so they could show the three credit bureaus and that would raise my credit rating and then they would deposit the $4000 in my account much to my surprise. It was all a scam the checks were drawn. I don’t know where anyway I got caught in something and they shut down my bank account now I owe the bank all this money because they paid the money out. I’m on a fixed income, barely surviving now. I really don’t know what to do so that’s my storyBusiness Response
Date: 04/01/2024
April 1, 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, “So beginning on March 18 this advance
America told me I was eligible for a $4000 loan with monthly payments of
$125.35 for 36 months May then proceeded to tell me that I needed to make these
payment they were gonna put this money in my account and then I would pay it
back to them so they could show the three credit bureaus and that would raise
my credit rating and then they would deposit the $4000 in my account much to my
surprise.” **** ********* provided screenshots of the agreement, banking letter,
deposited checks, and text messages with their complaint.
After
a diligent search of our records, there are no accounts using the personal
information provided by **** ********* in their complaint. Advance America
would never deposit funds into a customer’s account only to request their
immediate return. Advance America does not operate brick-and-mortar storefront
locations in the state of Maryland, nor does it offer online services to residents
of Maryland.
The
actions complained of appears to be part of an effort to defraud consumers,
like **** *********, by falsely claiming to represent Advance America. Advance
America has previously communicated similar efforts to state and federal
regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend **** ********* continue to document all details of any
such actions and communications in the future, not disclose any personal
information to the individuals, and, if appropriate, report such communication
to law enforcement or other proper regulatory authorities for further
investigation.
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:03/25/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company is pretending to be a loan company and I inquired about a loan. They sent me loan details that I was approved for a loan and needed my banking information. I gave them the information thinking I was getting the loan so they could deposit the money. They in turn deposited phoney checks in my name in my account signed by someone else and had me cash app the money to someone else. They kept insisting I keep doing the transactions and they took all my money out my accountBusiness Response
Date: 04/01/2024
April 1, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: Melanie
Taylor, Complaint ID 21473429
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, “They sent me loan details that I was
approved for a loan and needed my banking information” and “I gave them the
information thinking I was getting a loan so they could deposit the money.” ******* ****** states, “They in turn deposited phoney checks in my name in my account
signed by someone else and had me cash app the money to someone else.” Lastly,
******* ****** provided screenshots of the loan agreement along with their
banking app with the complaint.
After
a diligent search of our records, there are no accounts using the personal
information provided by ******* ****** in their complaint. Advance America
would never deposit funds into a customer’s account only to request their
immediate return. Advance America employees do not utilize “Cash App” for
business purposes. Lastly, Advance America does not have any brick-and-mortar storefront
locations in the state of North Carolina, nor does it offer online loans to
residents of North Carolina.
The
actions complained of appears to be part of an effort to defraud consumers,
like ******* ******, by falsely claiming to represent Advance America. Advance
America has previously communicated similar efforts to state and federal
regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend ******* ****** continue to document all details of any
such actions and communications in the future, not disclose any personal
information to the individuals, and, if appropriate, report such communication
to law enforcement or other proper regulatory authorities for further
investigation.
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,
**** ******
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 04/02/2024
The business I'm referring to deposited phoney checks into my bank account resulting in my bank closing my account because of a take over with my account, my bank account was compromised. After they deposited the checks they had me send the money to people I didn't know through cash app resulting in my bank being over drawn and the checks were returned because they weren't good checksInitial Complaint
Date:03/22/2024
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 received an email on 3/19/2024 stating that I was approved for a loan of 3000. It gave me the phone number and name of the Loan Officer, i called him back his name is Mr. Peter S*******
Extension Number: #100. After I spoke to him he stated that I needed to pay a insurance fee to start the process. I paid it, then I was told that I needed to pay 195 dollars to release the money into my account, then i received another email asking for 180 for a buisness transfer, then again i had to send another 180 because the deposit had to be split into two transaction's, I had to pay another 180. After paying the the 2nd amount of 180, they told me the card that I used had alreay been used, I sent them a copy of the receipt. Now I have not heard from them, they will not answer the phone or retun my call.Business Response
Date: 03/28/2024
March 28, 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 received an email on 3/19/2024 stating
that I was approved for a loan of 3000.” ***** ******** states “After I spoke
to him [Mr. Peter S*******] he stated I needed to pay a insurance fee to start
the process” and “I paid it, then I was told that I needed to pay 195 dollars
to release the money into my account, then I received another email asking for
180 for business transfer, then again I had to send another 180 because the
deposit had to be split into two transaction’s.”
After
a diligent search of our records, there are no accounts using the personal
information provided by ***** ******** in their complaint. Advance America would
never deposit funds into a customer’s account only to request their immediate
return, no would we require or request a customer to pay “insurance” for a
loan. Lastly, Advance America does not offer loans of three thousand dollars
($3000) in the state of Indiana.
The
actions complained of appears to be part of an effort to defraud consumers,
like ***** ********, by falsely claiming to represent Advance America. Advance
America has previously communicated similar efforts to state and federal
regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend ***** ******** continue to document all details of any
such actions and communications in the future, not disclose any personal
information to the individuals, and, if appropriate, report such communication
to law enforcement or other proper regulatory authorities for further
investigation.
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:03/22/2024
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.
This company was notified on November 2023 regarding my filing of chapter 13. I did let the company know this information and to contact my attorney. This company continues to send me harassing emails that they are going to take legal action against me if I do not respond to their threats. I have also reported this to my attorney that they do not stop. So everyone is aware of my filing. I want this company to stop with their harassing emails and follow-up the proper way through my legal team.Business Response
Date: 03/28/2024
March 28, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ****** ***** Complaint ID ********
Dear Cindy:
ACSO
of Texas, L.P., d/b/a Advance America (“Advance America”) is in receipt of a complaint
filed by ****** ****. We have thoroughly reviewed and appreciate the
opportunity to respond.
In
the complaint, ****** **** states, “This company was notified on November 2023
regarding my filing of chapter 13”, however, “this company continues to send me
harassing emails that they are going to take legal action against me if I do
not respond to their threats.” ****** **** states, “I want this company to stop
with their harassing emails and follow-up the proper way through my legal team.”
Lastly, ****** **** provided the email sent from “***********************************”
and “*** ****** *******.”
After
a diligent search of our records, there are no accounts using the personal
information provided by ****** **** in their complaint. 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. Furthermore, Advance America employees do not utilize email addresses
on the server “**********” for business purposes. Lastly, Advance America is
not affiliated with the business name, “*** ****** ********”
The
actions complained of appears to be part of an effort to defraud consumers,
like ****** ****, by falsely claiming to represent Advance America and further
using what appear to be improper and illegal collection practices while doing
so. Advance America has previously communicated similar efforts to state and
federal regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend ****** **** continue to document all details of any
such actions and communications in the future, not disclose any personal
information to the individuals, and, if appropriate, report such communication
to law enforcement or other proper regulatory authorities for further
investigation.
This
letter is written under a full reservation of rights and is not intended to be,
nor should it be construed as, any admission of liability or as a waiver of any
rights afforded ACSO of Texas, L.P., d/b/a Advance America under any applicable
laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:03/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I tried to make a loan and I talked to them through phone. I believe that they are real not scammer. They're send me a mobile deposit 2 times the same date on March 13, 2024 the amount of $175.20 x 2 = $340.50 and the same date of $165.20 so the total will be $505.70 I was thought it was true and they said I need to send it back to them the amount of $400 just only for verification I send them back to them but it always declined, they told me to go to the store to get a gift card to send it back the $400 so that they will send right away my loan worth $15,000. so I purchased the card and I send it back to them the number in the card. I tried to call them but nobody answered the phone anymore. this is there number his name is Michael or Mike and the number is +1 ************ and +1************ and there finance his name is Kevin the number is +1************. Hope you can help me about my problem. Thank you so much.Business Response
Date: 03/28/2024
March 28, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
*********** ** *****
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,
“They’re send me a mobile deposit 2 times the same date on March 13, 2024 the
amount of $175.20x2= $340.50 and the same date of $165.20 so the total will be
$505.70 I was thought it was true and they said I need to send it back to them
the amount of $400 just only for verification I send them back to them but it always
declined, they told me to go to the store to get a gift card to send it back
the $400 so that they will send away my loan worth $15,000.” ******* ***** states, “this is there number his name is Michael or Mike and the number is +* ************ and +*************.”
After a diligent search of our
records, there are no accounts using the personal information provided by J****** ***** in their complaint. Advance America will never deposit funds into a
customer’s account only to request their immediate return. Furthermore, Advance
America would never require or request a customer purchase a gift card of any
kind for any purpose whatsoever. Advance America does not own or control the
phone numbers ****** ********* ** ****** *********. Lastly, Advance America
does not operate any brick-and-mortar storefront locations in the state of New
Jersey, nor does it offer online services to New Jersey residents.
The actions complained of appears
to be part of an effort to defraud consumers, like ******* *****, by falsely
claiming to represent Advance America. Advance America has previously
communicated similar efforts to state and federal regulators as well as the
Federal Bureau of Investigation and local law enforcement agencies.
We recommend ******* ***** continue to document all details of any such actions and communications
in the future, not disclose any personal information to the individuals, and,
if appropriate, report such communication to law enforcement or other proper
regulatory authorities for further investigation.
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:03/19/2024
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.
These guys are slick. They contact you about a personal loan.. 2k to 10k. They approve you when most others won't. They don't ask for collateral. They say to get a loan, you pay insurance. To pay that insurance, they deposit checks in your checking. You then transfer that exact amount to ******* to pay a cash tag They provide. They were supposed to deposit the agreed upon loan amount. After a few days of stalling, abd a 2nd round of paying insurance, and a hold your bank puts on the funds, those checks bounce, leaving you overdrawn whatever those deposits were. I can't believe they got me.Business Response
Date: 03/26/2024
March 26, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: *** ****, Complaint ID ********
Dear Cindy:
ACSO
of Texas, L.P., d/b/a Advance America (“Advance America”) is in receipt of a complaint
filed by *** ****. We have thoroughly reviewed and appreciate the opportunity
to respond.
In
the complaint, *** **** states they were contacted regarding a loan, however,
was told there was “…no collateral” and “…you pay insurance”. *** **** states
that the insurance is paid from a “…deposit of checks in your checking.” *** **** was instructed to transfer the money with “*******”.
After
a diligent search of our records, there are no accounts using the personal
information provided by *** **** in their complaint. Advance America will never
deposit funds into a customer’s account only to request their immediate return.
Additionally, Advance America does not require “insurance” to be purchased as
part of the loan application process. Lastly, Advance America does not utilize
the application “**** ***” for business purposes.
The
actions complained of appears to be part of an effort to defraud consumers,
like *** ****, by falsely claiming to represent Advance America. Advance
America has previously communicated similar efforts to state and federal
regulators as well as the Federal Bureau of Investigation and local law
enforcement agencies.
We
recommend *** **** continue to document all details of any such actions
and communications in the future, not disclose any personal information to the
individuals, and, if appropriate, report such communication to law enforcement
or other proper regulatory authorities for further investigation.
This
letter is written under a full reservation of rights and is not intended to be,
nor should it be construed as, any admission of liability or as a waiver of any
rights afforded ACSO of Texas, L.P., d/b/a Advance America under any applicable
laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
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