Complaints
This profile includes complaints for Advance America's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 325 total complaints in the last 3 years.
- 117 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:03/07/2025
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.
Between Feb.19th and Feb 21, I applied for a loan with this company of $1500. I was informed that the loan was approved and that the money would be in my ****** ***** account. I never received the money but somehow my ****** ***** checking acct. showed where the checks were deposit reversal and then returned back too the company ,causing my checking acct to be overdrawn with penalty totaling $*******. I called this company Advance America about this issue several time and informed them after not receiving the money to cancel the loan. l had to pay my whole social security check and $****** more to get out the red. What I like to know is how can I be charged for monies that I never received.
Business Response
Date: 03/21/2025
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, “Between Feb.19th and Feb 21, I applied for a
loan with this company of $1500. I was informed that the loan was approved and
that the money would be in my ****** ***** account. I never received the money
but somehow my ****** ***** checking acct. showed where the checks were deposit
reversal and then returned back too the company ,causing my checking acct to be
overdrawn with penalty totaling $*******. I called this company Advance America
about this issue several time and informed them after not receiving the money
to cancel the loan. l had to pay my whole social security check and $******
more to get out the red. What I like to know is how can I be charged for monies
that I never received.” (sic)
Please be advised neither the loan nor
the communications described in the above complaint are in any way associated
with us, Advance America. These communications appear to be part of an
effort to defraud consumers, like *******, by falsely claiming to represent
Advance America. Advance America
does not operate brick-and-mortar storefront locations in the state of ********,
nor does it offer online services to residents of ********.
If ******* suspects they may have fallen
victim to a potential scam, we strongly recommend they take immediate action to
protect themselves and report the incident. Here are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at ********************. This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her ****** reports with the major ****** bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
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*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:03/05/2025
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.
Was attempting to get a loan for a car. Advance America offered $5000. Then proceeded to say i needed to send $400. They got into my online account and filed claims against some bills i had already paid. They deposited 2 checks into my account. My bank has them on hold. I sent the $400 via apple card.Business Response
Date: 03/13/2025
March 13, 2025
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, “Was attempting to get a loan for a car.
Advance America offered $5000. Then proceeded to say i needed to send $400.
They got into my online account and filed claims against some bills i had
already paid. They deposited 2 checks into my account. My bank has them on
hold. I sent the $400 via ***** ****** (sic)
Please be advised neither the loan nor
the communications described in the above complaint are in any way associated
with us, Advance America. These communications appear to be part of an
effort to defraud consumers, like **********, by falsely claiming to represent
Advance America. Advance America
does not operate brick-and-mortar storefront locations in the state of North
Carolina, nor does it offer online services to residents of North Carolina.
Furthermore, Advance America does not operate in the manner described above, to
have funds deposited into a customer’s account, only to request their immediate
return. Lastly, Advance America employees would never request or require a customer
to make payments using an “Apple Card.”
If ********** suspects they may have fallen
victim to a potential scam, we strongly recommend they take immediate action to
protect themselves and report the incident. Here are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her credit reports with the major credit bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
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*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:03/03/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have a loan out with this company and went to make a payment and they took out two payments from my account. I owed $171.48 and they doubled it and won't return my money.Business Response
Date: 03/12/2025
March 12, 2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: **** ******** ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Missouri, Inc. (“Advance
America”), is in receipt of a complaint filed by **** ******** We have
thoroughly reviewed and appreciate the opportunity to respond.
In the
complaint, **** states, “I have a loan out with this company and went to make a
payment and they took out two payments from my account. I owed $171.48 and they
doubled it and won't return my money.”
According to our records, **** entered into a Customer Loan
Agreement (“Agreement 1”) with the Advance America located at **** ** ********* ****** ****** *** ****** on December 31, 2024. Pursuant to the Agreement, ****
agreed to repay an amount of three thousand eighty-six dollars and sixty-four
cents ($3086.64) in eighteen (18) monthly installments of one hundred
seventy-one dollars and forty-eight cents ($171.48) due on July 1, 2026. On
January 31, 2025, an ACH payment in the amount of one hundred seventy-one dollars
and forty-eight cents ($171.48) which cleared. **** has a past due payment of
one hundred seventy-one dollars and forty-eight cents ($171.48). We recommend
**** reach out to our Customer Care Team at ***** ******** or the branch where
**** originated their loan at ***** ******** to satisfy the past due payment.
Regarding
****** complaint about a double payment, we respectfully disagree. Our records
show only one (1) payment has been made on ****'s account. To further
investigate, we request that **** provide a copy of their bank statement
showing the alleged double payment. They may provide the copy of the bank
statement to **************************************
This letter is
written under a full reservation of rights and is not intended to be, nor
should it be construed as, any admission of liability or as a waiver of any
rights afforded Advance
America, Cash Advance Centers of Missouri, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/24/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took out a loan with this company and the next day they removed the money from my account. I had to get an emergency loan with another company at a much higher interest rate because i woke up
to an account over five hundred dollars
over drawn and the next day would have
had over twenty overdraft charges of
thirty-six dollars added to that. This
company has sent me so many emails
but refuse to say we messed up. I have
so many emails i can send you. After the
lawyer talked to me today she said you
can apply for a loan and "IF" you are
approved again we can make your first
payment. I feel they are gonna say you
took our offer and were not approved so
we are done with you the way they have
jerked me around. I am asking you to
step in and help with a resolution to this
problem. I want to know I will be
approved and the stress this has caused
me it could be two payment or something
better.Business Response
Date: 03/05/2025
March 5, 2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ********* ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Tennessee, 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, “You know this is getting ridiculous. This was
your fault. It will be a couple of weeks before i have a bank
statement. I have sent you 10 pics now. I just reported yall too
BBB. I shouldn't be jumping through hoops to please your company.
I'm calling my friend the lawyer tonight. I sent you a clear shot of it
in my account and taken away the next day.” (sic)
According to our records, ***** entered into a Consumer Line of
Credit Agreement (“Agreement”) with Advance America on February 4, 2025, allowing
her to request draws of up to seven hundred fifty dollars ($750). That same
day, ***** drew $750 on the line of credit. However, on February 5, 2025, the
loan was voided for good cause due to concerns regarding potential fraud. Following
an inquiry on February 6, 2025, our Customer Care representative worked with
***** to explore alternative loan arrangements. To clear the potential fraud
flag, Advance America requested a visible picture of ***** with the front and
back of their identification. However, we encountered difficulties in obtaining
a clear photo in a timely manner, requiring ***** to submit additional
documentation. Unfortunately, ******* immediate financial needs necessitated a
more expedient solution than we were able to provide. We offered to reimburse
***** for any bank fees incurred due to the voided loan. However, ***** later
informed us that they secured an alternative line of credit from another
institution, thereby avoiding any associated fees. Importantly, no fees from
Advance America were incurred from the voided loan.
After a
thorough review of the complaint with our internal departments, we presented
***** with the opportunity to have their first payment covered if they choose
to obtain a loan with us in the future. Additionally, as a gesture of
appreciation for their patience and understanding, we provided a twenty-five-dollar
($25) gift card to ******
We have
confirmed that ***** has since obtained a payday loan with us in the amount of one
hundred dollars ($100) on February 25, 2025. The payment of one hundred
seventeen dollars and sixty-four cents ($117.64), which includes the principal
amount and applicable fees, will be made prior to the due date of March 21,
2025. Once Advance America satisfies the payment as agreed, we will have
considered this complaint resolved. We appreciate ******* patience and
cooperation throughout this process and will continue to provide the highest
level of service.
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 Tennessee, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/18/2025
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.
An individual calling himself Marcus C***** has scammed my bank account pretending to be a representative of Advance America. He made several deposits into my personal checking account for credit boost purposes, and sent me bar codes to return this money. My bank informed me that these deposits were of a fradulent nature. My bank account is currently ***** + due to the actions of this individual. The phone number he gave me is 1-913-246-8140. I need someone to verify if he is an "actual" employee of advance america, and to assist me on recovering my monies.Business Response
Date: 02/27/2025
February 27,
2025
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, “An individual calling himself Marcus Canner has
scammed my bank account pretending to be a representative of Advance America.
He made several deposits into my personal checking account for credit boost
purposes, and sent me bar codes to return this money. My bank informed me that
these deposits were of a fradulent nature. My bank account is currently ***** +
due to the actions of this individual. The phone number he gave me is
1-913-246-8140. I need someone to verify if he is an "actual" employee
of advance america, and to assist me on recovering my monies.” (sic)
Please be advised neither the loan nor
the communications described in the above complaint are in any way associated
with us, Advance America. These communications appear to be part of an
effort to defraud consumers, like *****, by falsely claiming to represent
Advance America. Advance America
would never operate under the conditions described above, to deposit funds into
a customer’s account only to request their immediate return. Furthermore,
Advance America does not operate brick-and-mortar storefront locations in the
state of New Mexico, nor does it offer online services to residents of New Mexico.
If *****
suspects they may have fallen victim to a potential scam, we strongly recommend
they take immediate action to protect themselves and report the incident. Here
are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at. This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her credit reports with the major credit bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
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*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/17/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Advance America gave me a loan of $8000. After they obtained my banking account # and routing information, they couldn't be reactor by phone, email, or text. There wasn't a deposit made from them. I contacted my bank to sevire my account, so n p one can take anything from my account.Business Response
Date: 02/26/2025
February 26,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ******* ********* *** *******
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, “Advance America gave me a loan of $8000. After they
obtained my banking account # and routing information, they couldn't be reactor
by phone, email, or text. There wasn't a deposit made from them. I contacted my
bank to sevire my account, so n p one can take anything from my account.” (sic)
Please be advised neither the loan nor
the communications described in the above complaint are in any way associated
with us, Advance America. These communications appear to be part of an
effort to defraud consumers, like Linda, by falsely claiming to represent
Advance America. Advance America
does not offer loans of eight thousand dollars ($8000) in the state of Texas.
If *****
suspects they may have fallen victim to a potential scam, we strongly recommend
they take immediate action to protect themselves and report the incident. Here
are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at. This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her credit reports with the major credit bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
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*****
Ally
P*****
Operational
Risk and Compliance ManagerBusiness Response
Date: 03/07/2025
March 7, 2025
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ******* ********* *** *******
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, “Advance America gave me a loan of $8000. After
they obtained my banking account # and routing information, they couldn't be
reactor by phone, email, or text. There wasn't a deposit made from them. I
contacted my bank to sevire my account, so n p one can take anything from my
account.” (sic) ***** provided the loan documentation after the original
response from “Priority Loan Servicing” and “Cash Priority Loan Servicing.”
Please be advised neither the loan nor
the communications described in the above complaint are in any way associated
with us, Advance America. These communications appear to be part of an
effort to defraud consumers, like Linda, by falsely claiming to represent
Advance America. Advance America
does not offer loans of eight thousand dollars ($8000) in the state of Texas. Furthermore,
Advance America is not affiliated with the business, “Priority Loan Servicing”
nor “Cash Priority Loan Servicing.”
If ***** suspects they may have fallen victim
to a potential scam, we strongly recommend they take immediate action to
protect themselves and report the incident. Here are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at. This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her credit reports with the major credit bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
Please note, legitimate organizations will
never pressure customers to act hastily or share sensitive information through
unsecured means. If ***** needs any further assistance or has questions about
protecting their financial information, they may contact our Customer Care Team
at ***** *********
This letter is written under a full
reservation of rights and is not intended to be, nor should it be construed as,
any admission of liability or as a waiver of any rights afforded ACSO of Texas, L.P. d/b/a Advance
America, under any applicable
laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/17/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I applied for an 1,000 loan on Feb. 3,2025 with Mrs. Brice under an online pay day loan.
Ms. Brice verbally told me I had up to 90 days to pay back my loan as same as cash.
I asked could I pay back the loan on March 3,2025.
She stated yes. The sooner the better. She never verbalized it was and 86.9 interest rate as we talked and she had me signed the documents in 3 different places.
I read over my contract the next day and saw her trickery tactics that are indeed unethical and unprofessional as active business of operations in the United States.
She also verbalized under verbal explanation of the contract that my interest rate would be only a couple dollars more if a pay 57.67$ per weekly.
I pay $30 per week to borrow the money, plus I made 2 payments in the 2/13/2-14 days on line.
Than I requested another $170.00 loan on $2-13-2025.
It was denied.
I work up on 2-14-2025 at 9:00 and my PNC bank was $600.00 more than I had in my account.
I attempted to go to the highland park, mi branch in person to return the $500.00;
Ms. Rosa refused my $500.00 and said I had to wait 3-5 days.
That is very unethical and extremely borderline extortion and unprofessional business tactics within the United States.
Ms Dennis applied the $500.00 to the 973.00. (1,000) loan which I specifically asked her to applied it back to the $600 loan
Please help and contact the owner to have them aware of the employees deceitful tactics under the clock hours of employment at advance America and attempt to have resolution on my behalf of corrective matters.
I repeated I will haveBusiness Response
Date: 03/07/2025
March 7, 2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ******** ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of Ohio,
Inc. & ACSO of Michigan, Inc. d/b/a Advance America (“Advance America”), is in receipt of a complaint filed by ***** *******. We have thoroughly reviewed and appreciate the opportunity to respond.
In the
complaint, ***** states, “I applied for an 1,000 loan on Feb. 3,2025 with **** ***** under an online pay day loan. *** ***** verbally told me I had up to 90
days to pay back my loan as same as cash. I asked could I pay back the loan on
March 3,2025. She stated yes. The sooner the better. She never verbalized it
was and 86.9 interest rate as we talked and she had me signed the documents in
3 different places. I read over my contract the next day and saw her trickery
tactics that are indeed unethical and unprofessional as active business of
operations in the United States. She also verbalized under verbal explanation
of the contract that my interest rate would be only a couple dollars more if a
pay 57.67$ per weekly. I pay $30 per week to borrow the money, plus I made 2
payments in the 2/13/2-14 days on line. Than I requested another $170.00 loan
on $2-13-2025. It was denied. I work up on 2-14-2025 at 9:00 and my PNC bank
was $600.00 more than I had in my account. I attempted to go to the highland
park, mi branch in person to return the $500.00; Ms. Rosa refused my $500.00
and said I had to wait 3-5 days. That is very unethical and extremely
borderline extortion and unprofessional business tactics within the United
States. Ms Dennis applied the $500.00 to the 973.00. (1,000) loan which I
specifically asked her to applied it back to the $600 loan Please help and
contact the owner to have them aware of the employees deceitful tactics under
the clock hours of employment at advance America and attempt to have resolution
on my behalf of corrective matters. I repeated I will have.” (sic)
According to our records, ***** entered into a Customer Loan
Agreement (“Agreement 1”) with the Advance America located at **** ******* ******, Oregon, OH 43616 on February 3, 2025. Pursuant to Agreement 1, Tonia
agreed to repay an amount of one thousand four hundred ninety-eight dollars and
sixty cents ($1498.60) in twenty-five (25) bi-monthly installments of
fifty-seven dollars and sixty-four cents ($57.64) and one (1) final payment of
fifty-seven dollars and sixty cents ($57.60) due on January 30, 2026. ***** paid their loan in full on March 3, 2025, which satisfied the Agreement and
closed the loan.
***** entered into another Customer Loan Agreement (“Agreement
2”) with Advance America through the online portal on February 13, 2025.
Pursuant to Agreement 2, Tonia agreed to repay an amount of six hundred
seventy-seven dollars and thirty-five cents ($677.35) on or before February 21,
2025. On February 14, 2025, Tonia determined the loan amount was not what she
needed and attempted to pay back five hundred dollars ($500) of the loan. When
***** contacted Advance America Customer Care, the agent paid five hundred
dollars ($500) to Agreement 1 and not Agreement 2 as requested. On February 20,
2025, Advance America corrected ******* account by making the
five-hundred-dollar ($500) payment. On February 27, 2025, ***** made a debit
card payment in the amount of one hundred seventy-seven dollars and thirty-five
cents ($177.35) which paid their satisfied their loan Agreement and closed the
loan.
Regarding the
payment concern of ******* complaint, we have reviewed the matter internally to
ensure that payments are being processed in accordance with customer requests.
As stated previously, Advance America ensured the five-hundred-dollar ($500)
payment was made to the correct account. With regards to the denial concern in ******* complaint, we are perplexed. We do not have any record of ***** being
denied on February 13, 2025. We appreciate ******* patience and understanding
in this matter. If ***** has any further questions or concerns, she may contact
our Customer Care Line at ***** ******** for 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 Advance
America, Cash Advance Centers of Ohio, Inc. & ACSO of Michigan, Inc. d/b/a
Advance America, under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/06/2025
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 and email stating I owed and outstanding balance that was owed I have no knowledge nor have I ever taken any loans with this financial institution if you can prophet dispute and resolve this issueBusiness Response
Date: 02/18/2025
February 18,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
*** ******** ********** * ********* *** ********
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 received and email stating I owed and
outstanding balance that was owed I have no knowledge nor have I ever taken any
loans with this financial institution if you can prophet dispute and resolve
this issue.” ******** provided a copy of the email with their complaint.
Please be
advised neither the loan nor the communications described above are in any way associated
with us, Advance America. 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. Please note, the maximum loan
amount that Advance America offers in the state of California is three hundred dollars
($300) which includes fees.
If ******** suspects they may have fallen victim to a potential scam, we strongly recommend
they take immediate action to protect themselves and report the incident. Here
are the steps we advise:
Visit the FBI's Internet Crime Complaint Center (IC3) website at ********************* This official resource provides comprehensive guidance on reporting cyber-related crimes and scams.
File a detailed report on the IC3 website, including all relevant information about the suspicious transaction or communication.
Keep all documentation related to the potential scam, such as emails, text messages, or financial records, as these may be crucial for any investigation.
Consider placing a fraud alert on her credit reports with the major credit bureaus to prevent further unauthorized activities.
Monitor all financial accounts closely for any unusual activity and report any discrepancies to the respective financial institutions immediately.
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*****
Ally
P*****
Operational
Risk and Compliance ManagerInitial Complaint
Date:02/04/2025
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 paid Advance America off 2 years ago and they refuse to mark it as paid in their system. Mark it as Paid, now. Reciept attached.Business Response
Date: 02/13/2025
February 13,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** **** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Wyoming, Inc. (“Advance
America”), is in receipt of a complaint filed by ***** ****. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the
complaint, ***** states, “I paid Advance America off 2 years ago and they
refuse to mark it as paid in their system. Mark it as Paid, now. Reciept
attached.” (sic)
According to
our records, ***** entered into a Customer Loan Agreement (“Agreement”) with
Advance America on September 3, 2021. Pursuant to the Agreement, ***** agreed
to repay an amount of nine hundred six dollars and forty-eight cents ($906.48)
on or before October 1, 2021. On October 1, 2021, a debit card payment in the
amount of nine hundred six dollars and forty-eight cents ($906.48) was
attempted; however, returned unpaid. After multiple unsuccessful attempts to
contact ***** regarding their past due balance, their loan was sold to National
Credit Adjusters on July 3, 2022, with a balance of nine hundred six dollars
and forty-eight cents ($906.48).
*****'s loan
application was denied on February 4, 2025, and a formal notice was issued
outlining the reasons for the denial. We are unclear about the nature of
*****'s complaint, as our records indicate that the loan was not paid in
accordance with the agreed-upon terms with Advance America. Despite ***** making
alternative arrangements with National Credit Adjusters, we cannot guarantee
future loan approval. However, ***** is welcome to reapply for a loan at any
time, and we will consider their application in accordance with our standard
lending criteria.
This letter is
written under a full reservation of rights and is not intended to be, nor
should it be construed as, any admission of liability or as a waiver of any
rights afforded Advance
America, Cash Advance Centers of Wyoming, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerBusiness Response
Date: 02/20/2025
February 20,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** **** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Wyoming, Inc. (“Advance
America”), is in receipt of a complaint filed by ***** ****. We have thoroughly
reviewed and appreciate the opportunity to respond.
In the
complaint, ***** 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. I attached the reciept from National Credit Adjusters in
Jube 2024 to this message and the first one to BBB proving I paid National
Credit Adjusters in Full fir my Advance America loan. If Advance America does
not respond with a paid reciept immediately I'm suing them.” (sic)
As stated in
our February 13, 2025, response, ***** entered into a Customer Loan Agreement
(“Agreement”) with Advance America on September 3, 2021. Pursuant to the
Agreement, ***** agreed to repay an amount of nine hundred six dollars and
forty-eight cents ($906.48) on or before October 1, 2021. On October 1, 2021, a
debit card payment in the amount of nine hundred six dollars and forty-eight
cents ($906.48) was attempted; however, returned unpaid. After multiple
unsuccessful attempts to contact ***** regarding their past due balance, their
loan was sold to National Credit Adjusters on July 3, 2022, with a balance of
nine hundred six dollars and forty-eight cents ($906.48).
When *****’s
loan was sold to National Credit adjusters, Advance America no longer owned the
loan or its associated balance. While we recognize that ***** paid their loan
in full with National Credit Adjusters, we are unable to update our system to
reflect this status, as our records indicate that the original loan was not
paid in accordance with the agreed-upon terms with Advance America. We
understand ***** is attempting to obtain another loan, however, despite ***** making
alternative arrangements with National Credit Adjusters, we cannot guarantee
future loan approval. However, ***** is welcome to reapply for a loan at any
time, and we will consider their application in accordance with our standard
lending criteria.
This letter is
written under a full reservation of rights and is not intended to be, nor
should it be construed as, any admission of liability or as a waiver of any
rights afforded Advance
America, Cash Advance Centers of Wyoming, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerCustomer Answer
Date: 02/20/2025
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.
I paid the $904.86 to National Credit Adjusters in June 2024 and now I owe Advance America $0 because of that payment which is why there's a $0 balance on the reciept attached. This is your last chance to give me a reciept from Advance America saying I owe them $0 or I'm suing.
Regards,
***** ****Initial Complaint
Date:02/03/2025
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.
Attached is proof I overpaid you again!
I paid you $100 on January 23, 2025
And on January 24, 2025 I paid you $221.62.
On January 23, 2025 it states clearly on the statement that I only owed $205.64.
I am owed by Advance America a refund of $15.98. Please refund!
Attached above is proof I overpaid from your own history in your data base!
Sincerely
******** ***** ************Business Response
Date: 02/18/2025
February 18,
2025
Ms. Cindy
R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ******** ****** ********* ** ********
Dear Cindy:
Advance
America, Cash Advance Centers of Tennessee, 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, “Attached is proof I overpaid you again! I paid you $100 on
January 23, 2025 And on January 24, 2025 I paid you $221.62. On January 23,
2025 it states clearly on the statement that I only owed $205.64. I am owed by
Advance America a refund of $15.98. Please refund! Attached above is proof I
overpaid from your own history in your data base! Sincerely ******** ***** **************
We are diligently
investigating ********** complaint. We apologize for any delay this may cause
and will provide a full response upon finalization of our investigation. Should ******** have further questions or
concerns in the meantime, they may contact me directly 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
Tennessee, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally P*****
Ally P*****
Operational
Risk and Compliance ManagerCustomer Answer
Date: 02/19/2025
[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.
I will await Ms. Ally P******* response! If no response then I will refile the issue!as it shows according to your records I overpaid you back.
Regards,
******** *****
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