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:12/05/2023
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 regarding my loan request, I was desperate for money so I followed what they wanted regarding sending money from the **** *** after they made a deposit. well the ** rejected the deposit and I never they took that money from me along with overdraft fees.
I obviously did not receive the $5000 but they took the $700 plus fees and I would apprecate getting the, back. I have asked them with no response.
I do have information which I can send
Business Response
Date: 12/06/2023
December 6, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ***** ****** ********* ** ********
Dear Ms. R*****:
Purpose Financial, Inc. f/k/a Advance America,
Cash Advance Centers, Inc. (“Advance America”) is in receipt of a complaint
filed by ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ***** states, “I
received an email regarding my loan request, I was desperate for money so I
followed what they wanted regarding sending money from the **** *** after they
made a deposit.” ***** ***** stated she did not receive any loan proceeds,
however, paid $700 plus fees. ***** ***** provided the email from “***************************”
with the complaint.
After a diligent search of our records, there
were no accounts using the personal information provided in ***** *****’s
complaint. Advance America would never deposit funds into a customer’s account
only to request their immediate return. Further, Advance America employees to
do utilize email addresses on the server “**********” for any business purpose.
Advance America does not utilize deposit applications such as “**** ***” for
any business purpose. Lastly, Advance America does not have any brick-and-mortar
storefront locations in the state of Connecticut, nor does it offer online
services to residents of Connecticut.
The communications complained appear to be
part of an effort to defraud customers, 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 that ***** ***** continue to document all details of any such 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 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: 12/07/2023
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.
Someone really needs to make this right, I went with it because first of all the Loan approval letter had the BBB on it for Better Business Bureau approved.I really need my money back and people need to stop praying on people, now I am in desperate need of more money then I needed before I tried to get a loan.
Maybe the real Advanced America needs to step up and refund me what was taken or give me the loan promised.
[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:11/27/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The debt collectors contacted me and gave me a case number to call and talk to comeone else as I was supposed to apparently have compliance officers come out and serve me, they said I had a collection of 500$ from a couple years ago in 21, I have no recollection of those events and I was concerned as to if I got scammed and I’m super worried because they know my dob and my ssn as I told it to them stupidly while being in fear of prosecutionBusiness Response
Date: 12/04/2023
December 4, 2023
Ms. ***** ******
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* *******, Complaint ID ********
Dear Ms. ******:
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, “The debt collectors
contacted me and gave me a case number to call and talk to comeone (sic) else
as I was supposed to apparently have compliance officers come out and serve me,
they said I had a collection of 500$ from a couple years ago in 21, I have no
recollection of those events and I was concerned as to if I got scammed”.
According to our records, ******* ******* entered into a Customer
Agreement (“Agreement”) with the Advance America storefront located at ** ** ***** **** *** ********** FL 32503 on September 4, 2021. Pursuant to the Agreement,
******* ******* agreed to repay an amount of five hundred three dollars and
seventy-five cents ($503.75) in five (5) bi-weekly payments of one hundred
dollars and seventy-five cents ($100.75) due on November 12, 2021. After not
receiving a completed payment and multiple unsuccessful attempts to contact
******* ******* regarding the past due balance, the loan was sold to **** **** ******* on July 3, 2022.
**** **** ******* has confirmed there was a call made, however,
never actually spoke with ******* ******* directly. A message was left with a
third party to return the call. **** **** ******* also confirmed the loan
account was closed on August 2, 2022; therefore, all activity has ceased.
The communications complained appear to be part of an effort to
defraud customers, 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 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. Advance America
has previously communicated similar efforts to state and federal regulators as
well as the ******* ****** ** ************* and local *** *********** agencies.
We recommend that Tristan
Holston continue to document all details of any such 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 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:11/22/2023
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.
Paid them money up front to receive a loan and they won’t cancel and send money backBusiness Response
Date: 11/28/2023
November 28, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ***** *****, Complaint ID ********
Dear Ms. R*****:
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, “Paid
them money up front to receive a loan and they won’t cancel and send money back”.
After a diligent search of our records, there
were no accounts located using the personal information provided in ***** *****’s
complaint. Advance America would never require or request money upfront to
obtain a loan. Advance America does not have knowledge or a record of ***** ******* loan request.
The communications complained appear to be
part of an effort to defraud customers, 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 that ***** ***** continue to document all details of any such 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 to Advance
America, Cash Advance Centers of California, LLC under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystBusiness Response
Date: 11/28/2023
November 28, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ***** *****, Complaint ID ********
Dear Ms. R*****:
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, “Paid
them money up front to receive a loan and they won’t cancel and send money back”.
After a diligent search of our records, there
were no accounts located using the personal information provided in ***** *****’s
complaint. Advance America would never require or request money upfront to
obtain a loan. Advance America does not have knowledge or a record of ***** ******* loan request.
The communications complained appear to be
part of an effort to defraud customers, 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 that ***** ***** continue to document all details of any such 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 to 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:11/17/2023
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 am not liable for this debt with Advance American. I do not have a contract with ******** ****** ********** they did not provide me with the original contract as requested.Customer Answer
Date: 11/17/2023
I requested a copy of the documents when I called and spoke with a representative.Business Response
Date: 11/21/2023
November 21, 2023
Ms. Brianna M*******
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** *********** Complaint ID ********
Dear Ms. M*******:
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
am not liable for this debt with Advance American.” ***** ********** states, “I
do not have a contract with National Credit Adjusters, they did not provide me
with the original contract as requested.”
In Ohio Advance America was registered as a
Credit Services Organization. Advance America assisted customers, like ***** *********** 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 Promissory Note with the Lender on August 20, 2018. Pursuant to
the Promissory Note, *** ***** agreed to repay the Lender an amount of one
hundred seventy-five dollars and thirty-eight cents ($175.38) on or before
September 7, 2018. After not receiving a completed payment as agreed and
attempts to contact ***** ********** regarding the past due balance, the loan
account was sold to National Credit Adjusters, LLC on June 12, 2022.
We recommend ***** ********** reach out to
National Credit Adjusters, LLC at ***** ******** to discuss mutually agreeable
payment options and to discuss any further concerns regarding the loan account.
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: 11/22/2023
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,
***** **********I would like to request a copy of any signed documents that have been signed and dated by me in which I have agreed to fulfill any outstanding obligations in regards to this debt.
Business Response
Date: 12/06/2023
December 6, 2023
Ms. Brianna M*******
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** *********** Complaint ID ********
Dear Ms. M********
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 would like to request
a copy of any signed documents that have been signed and dated by me in which I
have agreed to fulfill any outstanding obligations in regards to this debt.”
***** **********, 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 the November 21, 2023, response, according to our
records, ***** ********** entered into a Promissory Note with the Lender on
August 20, 2018. Pursuant to the Promissory Note, *** ***** agreed to repay the
Lender an amount of one hundred seventy-five dollars and thirty-eight cents
($175.38) on or before September 7, 2018. After not receiving a completed
payment as agreed and attempts to contact ***** ********** regarding the past
due balance, the loan account was sold to National Credit Adjusters, LLC on
June 12, 2022.
We recommend ***** ********** reach out to National Credit
Adjusters, LLC at ***** ******** to discuss mutually agreeable payment options
and to discuss any further concerns regarding the loan account. We have also sent
copies of the signed agreement, disclosure, and contract for purchase to ***** ********** as requested.
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 AnalystInitial Complaint
Date:11/14/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
We have been contacted by ******* Recovery Services on several occasions advising they are collecting a debt from 2019 for Advance America; to date, they have not provided documentation requested to substantiate. The unsettling part is they have my husband's SSN and our home address.Business Response
Date: 11/20/2023
November 20, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ****** ******, Complaint ID ********
Dear Ms. R*****:
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, “We
have been contacted by ******* Recovery Services on several occasions advising
they are collecting a debt from 2019 for Advance America; to date, they have not
provided documentation requested to substantiate.” ****** ****** states, “…they
have my husband’s SSN and out home address.”
After a diligent search of our records, there
were no accounts using the personal information provided in ****** ******’s
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. Additionally, Advance America is not
affiliated with the business named “******* Recovery Services”.
The communications complained appear to be
part of an effort to defraud customers, 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 that ****** ****** continue to document all details of any such 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 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: 11/21/2023
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.Thank you for your assistance in resolving this matter!!
Regards,
****** ******Initial Complaint
Date:11/07/2023
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.
Contacted by January Debt collectors about an unpaid loan. Unable to contact company for resolution. I have never used this business or the types of loans the offer. Dispute process doea not seem to workBusiness Response
Date: 11/14/2023
November 14, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ******, Complaint ID *********
Dear Ms. R*****:
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, “Contacted
by January Debt collectors about an unpaid loan.” ******* ****** states they
are unable to reach the company for resolution and states he has never used “…this
business or types of loans the (sic) offer.”
After a diligent search of our records, there
were no accounts using the personal information provided in ******* ******’s
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. Additionally, Advance America is not
affiliated with the business named “January Debt Collectors”.
The communications complained appear to be
part of an effort to defraud customers, 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 that ******* ****** continue to document all details of any such 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 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: 11/14/2023
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:11/03/2023
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 place seems to be involved with bogus fake loans, this company is selling its fake loans to ****** ******** ********* and both are scamming people into paying out fake debts and if you don't agree to pay they then threatened to have the fraudulent loan put on to your credit report.
This is illegal seeing I have not opened any loan accounts with this business ever and I will be seeking further actions against this company.
This has been reported as a scam on the government site but is still up and running. An investigation needs to be completed.Business Response
Date: 11/09/2023
November 9, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ******, Complaint ID ********
Dear Ms. R*****:
Advance America, Cash Advance Centers of South
Carolina, 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
place seems to be involved with bogus fake loans, this company is selling its
fake loans to ****** ******** ********* and both are scamming people into
paying out fake debts and if you don’t agree to pay they then threatened to
have the fraudulent loan put on your credit report.”
After a diligent search of our records, there
were no accounts using the personal information provided in ******* ******’s
complaint. Advance America is not affiliated with the business “****** ******** *********.” Additionally, 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 complained appear to be part of an effort to defraud customers,
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 that ******* ****** continue to document all details of any
such 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 to Advance America, Cash
Advance Centers of South Carolina, Inc. under any applicable laws, statutes, or
procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
AnalystCustomer Answer
Date: 11/10/2023
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:10/30/2023
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.
See the email below and remove *** ******* ***** *********** ***** ********** from all postal mailing lists permanently and for the collective lifetimes of all of your employees or we will be excited to see you in court for a harassment lawsuit.
----- Forwarded Message -----
To: *************************** <***************************>; ****************************** <******************************>
Sent: Saturday, October 28, 2023 at 02:19:00 AM CDT
Subject:
Be advised (and advise store 3203 at **** ** ***** ****** ***** * ***** ***** *****) that Lindsey P***** no longer lives at *** ******* ***** *********** ***** ********** and the current residents request that you remove all name variations at *** ******* ***** *********** ***** ********** from all lists in you as well as your subsidiaries possessions. We do not know Lindsey P*****'s new address.
We will be talking with a lawyer if we receive another unsolicited advertisementBusiness Response
Date: 11/08/2023
November
8, 2023
Ms.
Cindy R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ***** *** ****, Complaint ID ********
Dear Ms. R*****:
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
that they are receiving mail from Advance America for someone who does not
reside at the location of *** ******* ****** *********** ** **********. ***** *** **** would like to no longer receive mail for “******* ******” at the
address listed above.
We apologize for the
inconvenience and difficulties this may have caused, and we thank ***** *** **** for bringing this to our attention. We have reached out to our Marketing
teams to ensure ******* ****** has been removed from all marketing lists. We
have reviewed ***** *** ****’s complaint with our internal teams to ensure
requests are being taken care of timely and accurately. If ***** *** **** shall
receive any future marketing from Advance America, they may email ************************************* along with the date the letter was sent to assist in our 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 AnalystBusiness Response
Date: 11/08/2023
November
8, 2023
Ms.
Cindy R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ***** *** ****, Complaint ID ********
Dear Ms. R*****:
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
that they are receiving mail from Advance America for someone who does not
reside at the location of *** ******* ****** *********** ** **********. ***** *** **** would like to no longer receive mail for “******* ******” at the
address listed above.
We apologize for the
inconvenience and difficulties this may have caused, and we thank ***** *** **** for bringing this to our attention. We have reached out to our Marketing
teams to ensure ******* ****** has been removed from all marketing lists. We
have reviewed ***** *** ****’s complaint with our internal teams to ensure
requests are being taken care of timely and accurately. If ***** *** **** shall
receive any future marketing from Advance America, they may email ************************************* along with the date the letter was sent to assist in our 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: 11/29/2023
Be advised (and advise store **** ** **** ** ***** Avenue Suite * ***** Texas 75119) that ******* ****** no longer lives at *** ******* Drive **********, Texas 75167-9264 and the current residents request that you remove all name variations at *** ******* Drive **********, Texas 75167-9264 from all lists in you as well as your subsidiaries possessions. We do not know ******* ******'s new address. We will be talking with a lawyer if we receive another unsolicited advertisementBusiness Response
Date: 12/05/2023
December
5, 2023
Ms.
Cindy R*****
Better
Business Bureau
408
North Church Street, Ste. C
Greenville,
SC 29601
RE: ***** *** ****, Complaint ID ********
Dear Ms. R*****:
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
that they are receiving mail from Advance America for someone who does not
reside at the location of *** ******* Drive, **********, TX 75167-9264. ***** *** **** would like to no longer receive mail for “******* ******” at the
address listed above.
As mentioned in the response
dated November 8, 2023, we apologize for the inconvenience and difficulties this
may have caused, and we thank ***** *** **** for bringing this to our
attention. We have reached out to our Marketing teams and third-party vendor to
ensure ******* ****** has been removed from all marketing and direct mailing lists.
We have reviewed ***** *** *****s complaint with our internal teams and our
third-party vendor to ensure requests are being taken care of timely and
accurately. If ***** *** **** shall receive any future marketing from Advance
America, they may email *********************************.com along with the date the letter was sent to assist in our 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:10/20/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took a line of credit loan from this company and found out they charge over $4 a day in interest. That is more than $120 in interest a month. When I confided to my family about this, a relative checked the company's website and said that the company charges 300%-600% interest. This is shocking and I did not realize that it was so high. Since I am an elderly person on a fixed income, it is impossible for me to pay this off by myself. So I asked relatives to help me pay off the loan in full, but when we try to call the company, they told us once they we couldn't pay off that day and to call back. When we called again today, we were placed on hold two times for over 45 minutes each. I think the company is purposely delaying me to continue charging me the very high interest. i am dealing with the AdvanceAmerica in Beaufort, South Carolina and their number is ************. Any assistance you can provide is appreciated.Business Response
Date: 11/01/2023
November 1, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ********, Complaint ID ********
Dear
Ms. R*****:
Advance America, Cash Advance Centers
of South Carolina, 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 took a line of credit loan from this company and found they charge over $4 a
day in interest.” ******* ******** states, “When I confided to my family about
this, a relative checked the company’s website ad said that the company charges
300% - 600% interest.” ******* ******** states they were unaware that the
interest would be that high. ******* ******** states the loan was paid in full
by relatives. ******* ******** states attempts were made to payoff sooner, however,
was told payoff could not be completed that day and to call back.
According to our records, Deloris
******** entered into a Consumer Line of Credit Loan Agreement (“Agreement”)
through Advance America at the storefront located at ** * ****** ****** **** ********* ** ***** on June 24, 2023. ******* ******** was approved for a line
of credit and was able to request draws of up to one thousand dollars ($1000). Deloris
******** requested a draw of one thousand dollars ($1000) on June 24, 2023,
with payments electronically being debited from her financial institution. ******* ******** has been making payments as agreed. On October 20, 2023, the line of
credit was paid in full and closed. ******* ******** no longer owes a balance
to Advance America.
******* ******** is sent statements
monthly that describe her payment information including the minimum payment due,
account summary, and transactions for that statement cycle. ******* ********
may also review her loan account through the online portal at any time. Additionally,
within the Agreement that was signed by ******* ********, paying only the
minimum amount will increase the interest paid and the time it will take to
repay the loan balance.
If ******* ******** has further questions regarding Advance
America products, we recommend ******* ******** reach out to our Customer Care
Team at ***** ******** or the storefront location where she originated her loan
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 South Carolina, Inc. under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:10/20/2023
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.
Been receiving threatening emails from company stating I owe a balance when I’ve never physically stepped in this facility nor have I received any money from them. I’m getting emails about court and things like I told them someone has to have stolen my identity because I have never started a loan with them. Not have I ever signed a contract with them in person or online. They can’t even tell you my banking account information or provide video camera footage of me in their establishment nor can they provide an email where I got a loan from their company. I just started receiving these emails all of a sudden out of nowhere.Business Response
Date: 10/24/2023
October 24, 2023
Ms. Cindy R*****
Better Business Bureau
408 North Church Street, Ste. C
Greenville, SC 29601
RE: ******* ******, Complaint ID ********
Dear Ms. R*****:
Advance America, Cash Advance Centers of South
Carolina, 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 emails
have been received for a debt owed to Advance America. ******* ****** states, “I’m
getting emails about court and things like I told them someone has to have stolen
my identity because I have never started a loan with them” and “not have I ever
signed a contract with them in person or online.” ******* ****** provided screenshots
of the emails coming from “********************************” and “Cash Advance InC
(sic) company”.
After a diligent search of our records, there
were no accounts using the personal information provided in ******* ******’s
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. Additionally, Advance America is not affiliated
with the business named “Cash Advance Inc Company” nor do Advance America employees
utilize email addresses on the server “**********” for business purposes.
The
communications complained appear to be part of an effort to defraud customers,
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 that ******* ****** continue to document all details of any
such 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 to Advance America, Cash
Advance Centers of South Carolina, Inc. under any applicable laws, statutes, or
procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
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