Complaints
This profile includes complaints for Advance America's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 324 total complaints in the last 3 years.
- 114 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/19/2024
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.
A Caller name Victor contacted me today about a personal loan that I am seeking, but how they got the details of my application is unknown. Stating that I have been approved for a loan and if I am still interested in getting the loan and that i have been approved for $2500 and up to 8,000 and I told them I would like the full $8K. Victor then connect me with his Account Team Manager who she call herself by the name of Sharon C****** Sharon sent me some documents to review and sign and I told her that I am not signing any documents and giving out my account login or password and told her this company name she is using is a Fraud and I will report her and told her to get the F... off my phone and never called me again and hung the line. Caller Sharon C***** as she calls herself calls me back and starts threatening 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 approved for a loan, “…for $2500
and up to $8000 and I told them I would like the full $8K.” ****** ******
states they were provided documents to sign, however, they would not sign them
or provide any further information. ***** ****** provided the documentation
received from “**********************************” and “Cash Advance America”
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
employees do not utilize email address on the server “@gmail.com” for business
purposes. Advance America does not offer loan amounts of eight thousand dollars
($8000) in the state of Texas. Lastly, Advance America is not affiliated with
the business name “Cash Advance America.”
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
AnalystCustomer Answer
Date: 03/27/2024
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:03/18/2024
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 man contacted me saying I was approved for a loan.. scam scam
They had me send them 400 in bitcoin said it was to process the loanBusiness Response
Date: 03/25/2024
March 25, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: *** ***** ******, Complaint ID ********
Dear Cindy:
Advance
America, Cash Advance Centers of Oklahoma, 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, “this man contacted me saying I was
approved for a loan…scam scam They had me send them 400 in bitcoin said it was
to process the loan.” *** ***** ****** provided loan documentation from “**** ******** **** *********” and phone number “***** ******** with their complaint.
After
a diligent search of our records, we could not locate any 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 is not affiliated with the business, “**** ******** **** *********”. Lastly, Advance America does not own the phone
number, “***** *********
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 Oklahoma, Inc. under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:03/15/2024
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 gentleman by the name or ******* **** first texted me then called me and stated he was from Advance America and I was approved for a loan. Thus gentleman had personal information of mine and was trying to get me to give him my sign in banking information. The number he called from was ***********Business Response
Date: 03/19/2024
March 19, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: J*** *********** ********* ** ********
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 were texted by “…Michael Rich” from “…Advance
America” saying they were approved for a loan. **** ********** states Michael
Rich had their personal information and was trying to obtain banking
information. **** ********** states the phone number provided was “***********”.
After
a diligent search of our records, we could not locate any accounts using the
personal information provided by **** ********** in their complaint. Advance
America does not own or operate the phone number “**************”. Further,
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.
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:03/12/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Email requesting payment on an unissued payday loan. I live in NYC which doesn't allow payday loans.Business Response
Date: 03/18/2024
March 18, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ***********, Complaint ID ********
Dear Cindy:
******* ********** ***. (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, “Email requesting payment on an
unissued payday loan.” ******* *********** states the emails are from “*****************************”
and provided screenshots with their complaint.
After
a diligent search of our records, we could not locate any accounts using the
personal information provided by ******* *********** in their complaint.
Advance America employees do not utilize email addresses on the server “**********”
for business purposes. Furthermore, Advance America does not operate any
brick-and-mortar storefronts in the state of New York, nor does it offer online
services to New York residents.
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 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:03/08/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was approached by a company calling themselves Cash Advance America. I was applying for a personal loan. They required my banking info along with my id. Now they will not answer my calls and I feel like I have been taking advantage of.Business Response
Date: 03/18/2024
March 18, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ***** ****** ********* ** ********
Dear Cindy:
Advance
America, Cash Advance Centers of California, LLC (“Advance America”) is in receipt of a complaint filed by ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
In
the complaint, ***** ***** states, “I was approached by a company calling
themselves Cash Advance America.” ***** ***** states, “They required my banking
info along with my ID” and “now they will not answer my calls and I feel like I
have been taking advantage of.” Allen Brown provided loan agreement
documentation with their complaint.
After
a diligent search of our records, we could not locate any accounts using the
personal information provided by Allen Brown in their complaint. Advance
America is not affiliated with the business name “Cash Advance America”.
Furthermore, Advance America only offers loans of up to three hundred dollars
($300) in the state of California.
The
actions complained of appears to be part of an effort to defraud consumers,
like Allen Brown, 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 Allen Brown 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 California, LLC under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:02/28/2024
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.
Cash advance America scam me out of 5,000 they promised a loan instead they took money out my account and then overdraft it with false checks please get my money back his name is Dave his number is 1-727-469-7913 thank you I just want and need my money back pleaseBusiness Response
Date: 03/07/2024
March 7, 2024
Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ****** *****, Complaint
ID ********
Dear Cindy:
Advance America, Cash Advance
Centers of Wisconsin, 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, “Cash advance America scam me out of 5,000 they promised a loan instead
they took money out my account and then overdraft it with false checks please
get my money back his name is **** his number is ************** thank you I
just want and need my money back please”.
According to our records, ****** *****
entered into a Customer Loan Agreement (“Agreement”) with Advance America on
November 19, 2014. Pursuant to the Agreement, ****** ***** agreed to repay an
amount of three hundred sixty-six dollars ($366) on or before November 27,
2014. On December 24, 2014, an ACH debit was presented to ****** *****’ bank
account, however, returned unpaid on December 26, 2014, which resulted in a fifteen
dollar ($15) returned item fee. After multiple unsuccessful attempts to contact
****** ***** regarding their past due balance, their loan was sold to Quantum 3/Sandino
Funding on July 20, 2015, with a balance owed of three hundred eighty-one
dollars ($381). We recommend ****** ***** reach out to ******* ********* ******* at ************ to discuss mutually agreeable payment options.
With regards to ****** ***** assertions
above, Advance America is not affiliated with the business “Cash Advance
America”. Additionally, Advance America would never deposit funds into a
customer’s account only to request their immediate return. Advance America
employees do not utilize the app “**** ***” for loan purposes. Lastly, Advance
America does not own the phone number, “************”.
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 Wisconsin, Inc. under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:02/22/2024
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 made a payment on my line of credit loan, on 2/15/2024 I made a payment above what was due. This made my balance 1077.10, my next due date was to be on 2/29/2024 , everyday the high interest loan accures interest, the lady working today told me since 2/15/2024 I had accured 28.14 intrest which would make my total pay off 1105.24, I told her I wanted to pay it off today, she said well it's gonna be 1167.99 to pay it off today because your next due date shows this amount, yes it would have been with accumulated interest if I didn't make my payment til 2/29/2024. , but I wanted to pay what I owed as of today off. The lady working in the store totally agreed with me and said. They can't continue to charge you interest accruing if you pay it off today as banks can't do so if you pay off early, she called her manager and explained what was going on and her manager said he has to pay the amount that would be due on the 29th in order to pay it off, the charged me the additional amount 1105.24 should have been today's pay off but I had to pay 1167.99 to close out the loan cause the actual due date wasn't til 2/29/24. I payed that amount today 2/21/24 so that my account would get closed and payed off and no other interest could accur, I told the lady working there today after I payed it off that I was filing a complaint with BBB. And they will have to answer to that they made me pay 62.75 more then what should have been owed as of today's date. You can't keep charging daily intrest if you pay off loans earlyBusiness Response
Date: 02/27/2024
February
27, 2024
Cindy
R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ***** ******* Complaint ID ********
Dear
Cindy:
Advance
America, Cash Advance Centers of Kansas, 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 made a payment on my line of credit
loan, on 2/15/2024 I made a payment above what was due.” ***** ****** states,
“This made my balance 1077.10, my next due date was to be on 2/29/2024,
everyday the high interest loan accures (sic) intrest which would make my total
pay off 1105.24, I told her I wanted to pay if off today, she said well it’s
going to be 1167.99 to pay if off today because your next due date shows this
amount, yes it would have been with accumulated interest”. ***** ****** is
requesting a refund.
According to our
records, ***** ****** entered into a Customer Line of Credit (“LOC”) Agreement
(“Agreement”) with the Advance America storefront located at *** ** *** ***** **** *** *********** ** ***** on July 5, 2022. ***** ****** was approved
to make draws of up to one thousand eight hundred dollars ($1800). On July 5,
2022, ***** ****** requested and received a draw of five hundred dollars
($500). ***** ****** has paid as agreed. On February 21, 2024, ***** ******
paid off the LOC in full in the amount of one thousand one hundred sixty-seven
dollars and ninety-nine cents ($1167.99).
We have reviewed
***** ******’ complaint with our branch team to ensure accurate information is
provided to the customer. We apologize for the inconvenience and appreciate
***** ****** bringing it to our attention. ***** ****** will need to visit the
branch located at *** ** *** ***** **** *** *********** ** ***** to retrieve
their refund of sixty-two dollars and seventy-five cents ($62.75).
If ***** ******
has further questions or concerns related to their LOC, they may reach out to
the branch at ***** ******** or our Customer Service 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 Kansas, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystInitial Complaint
Date:02/20/2024
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.
Im not liable for this debt with advance america i do not have a contract with advance america they did not provide me with the original contract as i requestedBusiness Response
Date: 02/26/2024
February
26, 2024
Cindy
R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ***** ******* ********* ** ********
Dear
Cindy:
Advance
America, Cash Advance Centers of Louisiana, 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 not liable for this debt with advance
america.” Lastly, ***** ****** states, “I do not have a contract with advance
america they did not provide me with the original contract as I requested.” *****
****** is looking for a correction to their credit report.
According to our
records, ***** ****** entered into a Customer Loan Agreement (“Agreement”) with
Advance America on June 26, 2021. Pursuant to the Agreement, ***** ******
agreed to repay an amount of three hundred thirty-seven dollars ($337) on or
before July 7, 2021. In accordance with the assignment clause outlined in the
Agreement entered into by ***** ******, Advance America has the authority to sell
or transfer the agreement or any of its rights under the agreement to any
party. After multiple attempts to reach ***** ****** and not receiving any completed
payments, their loan was sold to ******** ****** ********** *** on July 3, 2022,
with a balance of three hundred sixty-two dollars ($439.32) which includes a
twenty-five dollar ($25) returned item fee.
We recommend *****
****** reach out to ******** ****** ********** *** at ***** ******** to discuss
mutually agreeable payment options and concerns related to their credit report.
Additionally, we have enclosed a copy of the agreement for reference.
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 Louisiana, LLC under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
EnclosureInitial Complaint
Date:02/15/2024
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.
There is no way I owe this company anything. This company sent my information to credit bureau this Information is false I never took out any loans with this company’s in December of 2023. The information I see has 2 different amounts from the same company. This company would not allow an individual to have multiples loans if they were not paid these are fraudulent charges, I want this off my credit report. I want to see Loan documents and anything that’s associated with me in reference.Business Response
Date: 02/23/2024
February
23, 2024
Cindy
R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ****** *******, Complaint ID ********
Dear
Cindy:
ACSO
of Ohio, 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, “This company sent my information to
credit bureau this information is false I never took out any loans with this
company’s (sic) in December of 2023.” ****** ******* states, “This company
would not allow an individual to have multiples loans if they were not paid
these are fraudulent charges, I want this off my credit report.”
In
Ohio Advance America was registered as a Credit Services Organization. Advance
America assisted customers in gathering information to provide to NCP Finance
Ohio, LLC (the “Lender”), so that the Lender can make a decision whether to
issue a loan to the customer. The
customer was approved or denied based on the criteria set by the Lender. When a
customer was approved, the Lender then funded the loan in the amount identified
in the Promissory Note. At the customer’s request, and in consideration of a
loan extended by the Lender, Advance America issued a guaranty to the Lender in
the amount identified in the Promissory Note. In the event the customer
defaulted, the Lender called for payment on the guaranty to the extent that it
is outstanding. Due to the customer defaulting on the loan for non-payment, and
the guaranty being called by the Lender, the customer will then owe Advance
America the unpaid loan amount, which was originally loaned to the customer by
the Lender.
According
to our records, ****** ******* entered into a Customer Installment Loan
Agreement (“Agreement 1”) with Advance America on August 25, 2017. Pursuant to Agreement
1, ****** ******* agreed to repay an amount of one thousand one hundred thirty
dollars ($1130). ****** ******* made total payments of six hundred eighty-eight
dollars ($688) as of January 27, 2018. When no further payments were received, the
loan entered default on February 23, 2018, which halts interest from accruing.
****** ******* made a payment of one hundred twenty dollars ($120) on February
24, 2018. No further payments were received after that time. After multiple
unsuccessful attempts to contact ****** ******* regarding their past due
balance, they loan was sold to ***** ********* *** on March 10, 2021, with a
balance of four hundred thirty-six dollars and ninety-one cents ($436.91).
According
to our records, ****** ******* entered into a Customer Payday Loan Agreement
(“Agreement 2”) with Advance America on December 30, 2017. Pursuant to Agreement
2, ****** ******* agreed to repay an amount of nine hundred thirteen dollars
and thirty-one cents ($913.31). After multiple unsuccessful attempts to contact
****** ******* regarding their past due balance, their loan was sold to ***** ********* *** on March 10, 2021, with a balance of nine hundred eighteen
dollars and twenty-seven cents ($918.27).
If
Nakita Stewart did not request any of the above-mentioned loans, they may send
a copy of their police report or FTC Identity Theft report to
*************************************.
Moreover,
we recommend ****** ******* reach out to ***** ********* *** at ***** ******** 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 ACSO of Ohio, Inc. d/b/a Advance America under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystBusiness Response
Date: 03/05/2024
March
5, 2024
Cindy
R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ****** *******, Complaint ID ********
Dear
Cindy:
ACSO
of Ohio, 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 have reviewed the response made by the
business in reference to complaint ID ******** and have determined that this
does not resolve my complaint.” ****** ******* states they are wanting to see
the paperwork associated with the loan. Further, ****** ******* states that
Advance America was listed on their credit report, however, that has been
closed.
In
Ohio Advance America was registered as a Credit Services Organization. Advance
America assisted customers in gathering information to provide to NCP Finance
Ohio, LLC (the “Lender”), so that the Lender can make a decision whether to
issue a loan to the customer. The
customer was approved or denied based on the criteria set by the Lender. When a
customer was approved, the Lender then funded the loan in the amount identified
in the Promissory Note. At the customer’s request, and in consideration of a
loan extended by the Lender, Advance America issued a guaranty to the Lender in
the amount identified in the Promissory Note. In the event the customer
defaulted, the Lender called for payment on the guaranty to the extent that it
is outstanding. Due to the customer defaulting on the loan for non-payment, and
the guaranty being called by the Lender, the customer will then owe Advance
America the unpaid loan amount, which was originally loaned to the customer by
the Lender.
As
stated in our response dated February 23, 2024, ****** ******* entered into a
Customer Installment Loan Agreement (“Agreement 1”) with Advance America on August
25, 2017. Pursuant to Agreement 1, ****** ******* agreed to repay an amount of one
thousand one hundred thirty dollars ($1130). ****** ******* made total payments
of six hundred eighty-eight dollars ($688) as of January 27, 2018. When no
further payments were received, the loan entered default on February 23, 2018,
which halts interest from accruing. ****** ******* made a payment of one
hundred twenty dollars ($120) on February 24, 2018. No further payments were
received after that time. After multiple unsuccessful attempts to contact
****** ******* regarding their past due balance, they loan was sold to ***** ********* *** on March 10, 2021, with a balance of four hundred thirty-six
dollars and ninety-one cents ($436.91).
According
to our records, ****** ******* entered into a Customer Payday Loan Agreement
(“Agreement 2”) with Advance America on December 30, 2017. Pursuant to Agreement
2, ****** ******* agreed to repay an amount of nine hundred thirteen dollars
and thirty-one cents ($913.31). After multiple unsuccessful attempts to contact
****** ******* regarding their past due balance, their loan was sold to ***** ********* *** on March 10, 2021, with a balance of nine hundred eighteen
dollars and twenty-seven cents ($918.27).
If
****** ******* did not request any of the above-mentioned loans, they may send
a copy of their police report or FTC Identity Theft report to
*************************************.
Moreover,
we recommend ****** ******* reach out to ***** ********* *** at ***** ********
to discuss mutually agreeable payment options and concerns related to their
credit report.
The
loan agreements executed by ****** ******* on August 25, 2017, and December 30,
2017, are no longer within our records. They were executed over six (6) years
ago, under the jurisdiction of Ohio law. Ohio’s regulations mandate that
licensees retain loan documents for at least two (2) years after the final
entry or revision (Ohio Rev. Code Ann. § 1321.422). As a licensee, we adhered
to this requirement and duly maintained the agreements. Nevertheless, after
more than 6 years have elapsed, the loan agreements are no longer on file with
us.
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 ACSO of Ohio, Inc. d/b/a Advance America under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystCustomer Answer
Date: 03/05/2024
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 I DID NOT OPEN UP AN ACCOUNT IN 12/23 AS STATED THIS INFORMATION THAT REFLECTS ON MY CREDIT REPORT WHICH IS FALSE AND I WANT IT REMOVED.
Regards,
****** *******Initial Complaint
Date:02/13/2024
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.
This company has sent me email stating that I owe money for a payday loan that I never applied for and is being threatened by the company. I’ve reached out to the company and they are stating that they cannot find anything on file for me.Business Response
Date: 02/16/2024
February 16, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
*********** ** *****
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, “This company has sent me an email stating that I owe money for a payday
loan that I never applied for and is being threatened by the company.” ***** ******* states, “I have reached out to the company and they are stating they
cannot find anything on file for me.” ***** ******* provided the email from “Cash
Advance America Payday Loan” and “[email protected]” with their
complaint.
After a diligent search of our
records, we could not locate any accounts using the personal information
provided by ***** ******* in the 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. Further,
Advance America is not affiliated with the company name, “Cash Advance America
Payday Loan”. Advance America employees do not utilize email addresses on the
server “@gmail.com” for business purposes. Lastly, Advance America does not
operate any brick-and-mortar storefronts in the state of Illinois, nor does it
offer online services to Illinois residents.
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 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: 02/16/2024
[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,
***** *******
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