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Business Profile

Loans

Advance America

Complaints

This profile includes complaints for Advance America's headquarters and its corporate-owned locations. To view all corporate locations, see

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Advance America has 888 locations, listed below.

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    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 Complaint

    The 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/08/2022

      Type:Billing Issues
      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 attempting to get a loan from this company. They stated I need to pay $350 to prove I could handle the loan. They then came back and told me I had to pay insurance $300. I sent them both amounts. Today I was to get my loan and they came I need to pay another 498. I told them I could not pay and to refund the $650 I had given them. They tell me I cant get it back. Never was that told to me in the beginning. I want the money I paid in good faith.

      Business Response

      Date: 08/09/2022


      August
      9, 2022

      Via Email

      Ms.
      Cindy R*****
      Better
      Business Bureau
      408
      North Church Street, Ste. C
      Greenville,
      SC 29601

      RE:          Ms.
      ******* ************, Complaint ID ********

      Dear
      Ms. R*****:

      Advance
      America, Cash Advance Centers of Missouri, Inc., (“Advance America”) is in
      receipt of a complaint filed with your agency by Ms. ******* ************, and we appreciate the opportunity to respond.

      In
      her complaint, Ms. ************ states that she attempted
      to get a loan and “stated I need to pay $350 to prove I could handle the loan.”
      Ms. ************ states she was told she had to pay an additional $300 for
      insurance. Ms. ************ states “I sent them both amounts.” Ms. ************
      states she did not get her loan, however the day she was supposed to receive
      the funds was told “I need to pay another ***.” Ms. ************ attempted to
      get the funds back, however, was told no.

      After a diligent search of
      our records, we could not locate any open accounts in
      our system associated with the personal information provided in Ms. ************’s
      complaint. Advance America would not deposit funds into a customer’s account
      only to demand their immediate return.

      These
      communications appear to be part of an effort by criminals to
      defraud consumers 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 Ms. ************
      continue to document all details of any such communications in the future, that
      she
      not disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement.

      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 Missouri, Inc. under
      any applicable laws, statutes, or procedures.


      Sincerely,
      Ally P*****
      Ally P*****
      Senior Compliance Governance & Risk Analyst
    • Initial Complaint

      Date:08/05/2022

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I got approved for a loan with Advance America They got my mobile banking information from me so they could deposit the loan into my account. They deposited 6 checks into my account which were all fraud,they came back as unable to locate.the bank shut down my account and I was given a new account. This put my account negative $195.00 . Needless to say this put me in bad standings with the bank.When I called Advance America about it a recording come on saying this number is no longer in service. The bank charged my account $1,037.10 plus fess for the 6 checks that were returned because unable to locate.

      Business Response

      Date: 08/09/2022


      August 9, 2022

      Via Email
      Ms. Cindy R*****
      Better Business Bureau
      408 North Church Street, Ste. C
      Greenville, SC 29601

      RE:          Mr. ******* *****, 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 with your agency by Mr. ******* *****, and we appreciate the opportunity to respond.

      In his complaint,
      Mr. ***** states that he got approved for a loan with “Advance America.” Mr.
      ***** states, “they got my mobile information from me so they could deposit the
      loan into my account” and “they deposited 6 checks into my account which were
      all fraud, they came back as unable to locate.” Mr. *****’s bank account was
      shut down and was provided a new account. Mr. ***** states he attempted to
      contact Advance America, however, “a recording come on saying this number is no
      longer in service.” Mr. ***** states he was charged over $1000 in addition to
      fees for the fraudulent checks. Mr. ***** provided his bank statement with the
      complaint.

      After a diligent search of our records, we
      could not locate any open accounts in our system associated with the personal
      information provided in Mr. *****’s complaint. Additionally, Advance America
      does not deposit funds into a customer’s account only to demand their immediate
      return. Advance America does not operate any brick-and-mortar storefronts in
      the state of Arizona, nor does it offer online services to Arizona residents.

      These
      communications appear to be part of an effort by criminals to defraud consumers
      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 Mr. *****
      continue to document all details of any such communications in the future, that
      he
      not disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement.

      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. under any
      applicable laws, statutes, or procedures.

      Sincerely,

      Ally P*****
      Senior Compliance Governance & Risk
      Analyst
    • Initial Complaint

      Date:07/28/2022

      Type:Customer Service Issues
      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 believe this business is running a spam they call themself Advance America they use this phone number 1 850 *** **** I think they are using other company name. The call is coming from Santa Rosa Beach, FL. It started about a week ago around July 20, 2022 when I try getting a loan I request 2,000 in the mean time I notice on they website they didn't list a phone number on their website just the number they call from. I started trying to get a loan on line and these people call. I thought something was odd because they didn't have to sign nothing
      just wanted to get my bank account routing number and account number. They told me the loan will be disposit into my account in 48 hours, but that didn't happen which is today 7/27/2022. A man claiming his name Michael J****** claiming I had to wait couple more days to fit a problem with my bank it was excuses after excuses. I notice he told me probably Monday before they can fit the problem I said to myself thats when I get my check direct disposit. It was just something strange about this hope they don't take my money . Hope you can look into this for me.
      Thank You ***** ***** ***********@gmail.com
      501 ******** 

      Business Response

      Date: 08/01/2022


      August
      1, 2022

      Via Email

      Ms.
      Cindy R*****
      Better
      Business Bureau
      408
      North Church Street, Ste. C
      Greenville,
      SC 29601

      RE:       Mr. ***** *****, Complaint ID ********

      Dear Ms. R*****:

      Advance America, Cash Advance
      Centers of Louisiana, LLC., (“Advance America”) is in receipt of a complaint
      filed with your agency by Mr.
      ***** *****, and we appreciate the opportunity to respond.

      In his complaint, Mr. ***** states calls started
      around July 20, 2022. Mr. ***** states the calls are coming from Santa Rosa
      Beach, FL using phone number “1 850 *** ****” and “this business is running a
      spam they call themself Advance America.” Mr. ***** states he was trying to
      obtain a loan for $2000, however he noticed the website did not list a phone number.
      Mr. ***** states “I didn’t have to sign nothing just wanted to get my bank
      account routing number and account number.” Additionally, Mr. ***** was told he
      would receive the loan proceeds within a few days, but that did not happen. Mr.
      ***** wants this situation reviewed and hopes “they don’t take my money.”

      After a diligent search of our records, we could not locate
      any open
      accounts in our system associated with the personal information provided in Mr.
      *****’s complaint. Advance America does not own or control the phone number
      [(850) ********. Additionally, Advance America complies with all applicable
      federal and Louisiana laws and regulations when conducting business in the State
      of Louisiana. For any loan, an agreement is reviewed and signed by the
      applicant.

      These communications appear to
      be part of an effort by criminals to defraud consumers 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 Mr. ***** continue to document all details of any such
      communications in the future, that he not
      disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement.

      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*****
      Ally P*****
      Senior Compliance Governance & Risk Analyst
    • Initial Complaint

      Date:07/26/2022

      Type:Product Issues
      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.
      On July I applied for a $5,000 loan through Advance America. I never got the loan. They asked me for my debit card info which I gave them in order to get the loan. They then said I needed to send these different people money then I would get the loan. All of a sudden money showed up in my bank account I thought they had put the money in my account but actually they fraudulently filed claims through my bank account. Now I have to pay those claims back. Again I never got the loan. I was ripped off.

      Business Response

      Date: 08/01/2022


      August
      1, 2022

      Via Email

      Ms.
      Cindy R*****
      Better
      Business Bureau
      408
      North Church Street, Ste. C
      Greenville,
      SC 29601

      RE:       Ms. ********* *****, 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 with your agency by Ms. ********* *****, and we appreciate the
      opportunity to respond.

      In her complaint, Ms. ***** states that she
      applied for a “$5,000 loan through Advance America” however “never got the
      loan.” She was asked for her debit card to get the loan. Ms. ***** states, “I
      needed to send these different people money then I would get the loan” and “money
      showed up in my bank account.” Ms. ***** states, “they fraudulently filed
      claims through my bank account” and “now I have to pay those claims back.” Ms.
      ***** states she never received the loan and was “ripped off.”

      After a diligent search of our records, we could not locate
      any open
      accounts in our system associated with the personal information provided in Ms.
      *****’s complaint. Advance America does not operate any brick-and-mortar
      storefronts in the state of Arizona, nor does it offer online services to Arizona
      residents. Additionally, Advance America would never deposit funds into a
      customer’s account only to demand their immediate return.

      These communications appear to
      be part of an effort by criminals to defraud consumers 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 Ms. ***** continue to document all details of any such
      communications in the future, that she not
      disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement.

      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. under any applicable laws, statutes, or
      procedures.


      Sincerely,
      Ally P*****
      Senior Compliance Governance & Risk Analyst

      Customer Answer

      Date: 08/01/2022

      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 guess I'm out $6,000. When I filed this claim with BBB the phone number for Advance America wasn't the number they called me from. I'm not sure what else I can do. Thank you for everything. Have a blessed year.



      Regards,



      ********* *****
    • Initial Complaint

      Date:07/20/2022

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company got my fiance on the phone because i had been looking for possible loans to help with my new move... these pos's talked her fully into providing our banking information and other specifics. They then proceeded to deposit over 500 in this account we had made together... they were asking that we return it to them as "insurance" via gift cards purchasable at nearby gas stations..."vouchers" these scammers called it. Long story short a stop payment was done on the deposit a full 24+ hours after and it made our account negative but the entire time we literally had no clue... our passwords had been changed and all... we got scammed!!! Stay safe out there and research everyone twice!!!

      Business Response

      Date: 07/22/2022


      July 22,
      2022

      Via Email

      Ms.
      Cindy R*****
      Better
      Business Bureau
      408
      North Church Street, Ste. C
      Greenville,
      SC 29601

      RE:       Mr. **** ****,
      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 with your agency by Mr. **** ****, and we appreciate the opportunity to
      respond.

      In his complaint, Mr. **** states that his fiancé
      was contacted via phone by “this company” because they are moving and was “talked
      into providing our banking information and other specifics.” Mr. **** states, “they
      then proceeded to deposit over 500 in this account we had made together” and
      was asked “to return it to them as insurance via gift cards purchasable at nearby
      gas stations…vouchers these scammers called it.” Mr. **** states they did place
      a stop payment on the money coming into the account, however by that time “it
      made our account negative.” Mr. **** states they did change their passwords.

      After a diligent search of our records, we could not locate
      any open
      accounts in our system associated with the personal information provided in Mr.
      ****’s complaint. Advance America does not operate any brick-and-mortar
      storefronts in the state of Virginia, nor does it offer online services to Virginia
      residents. Additionally, Advance America does not require an applicant to
      purchase gift cards as part of the approval process nor does Advance America deposit
      funds into a customer’s account only to demand their immediate return.

      These communications appear to
      be part of an effort by criminals to defraud consumers 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 Mr. **** continue to document all details of any such
      communications in the future, that he not
      disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement.

      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. under any applicable laws, statutes, or
      procedures.


      Sincerely,
      Ally P*****
      Senior Compliance Governance & Risk Analyst
    • Initial Complaint

      Date:07/18/2022

      Type:Billing Issues
      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 person posing as Advance America employee is a fraud. This business is engaging in the scam known as the ADVANCED FEE LOAN SCAM. It is against Federal Law to require payment in advance for granting a loan.

      In an effort to apply for a personal loan, a Ben W****** (at ************) told me that $931.18 was deposited into our bank’s joint checking account. My wife was directed to go to Walmart, see the person behind the “Help Desk,” and take the money back out of our account and scan it into the bar code he sent into a message on her IPhone.

      She went to the “Help Desk” with Wallace on the phone. When the Walmart associate heard the request the first time, she looked at the phone incredulously then asked him to repeat himself. She then told him he was a thief and scam artist and hung up. The woman told my wife to go home and change all our security settings, bank accounts, everything! She said these people have a way of taking everything a person has! My wife left the store, and did as she was advised.

      I received a call from this Wallace who threatened that my social security No. had been frozen, and our checking account had been blocked. Then I recieved an email [[email protected]] on 6/22/2022 at 5:36 PM that indicated I was being charged for money laundering and there was a pdf attachment which was a warrant for my arrest by the Thornton, Colorado Police Department.

      We contacted the police department and they replied this was a “common scam.” We closed our bank checking account, applied for a new checking account and ABA account Nos., changed our bank password, cut up our bank credit and debit cards, and applied for new ones with new pins. In that time, my weekly paychecks kept being returned and our creditors that used directed deduction had their payments bounce - including our monthly mortgage payment. These actions adversely affected my credit score by over 100 points. I expect the company to clear my name.

      Business Response

      Date: 07/28/2022


      July
      28, 2022

      Via Email

      Ms.
      Cindy R*****
      Better
      Business Bureau
      408
      North Church Street, Ste. C
      Greenville,
      SC 29601

      RE:          Mr.
      ****** *******, Complaint ID ********

      Dear
      Ms. R*****:

      Advance
      America, Cash Advance Centers of Colorado, LLC., (“Advance America”) is in
      receipt of a complaint filed with your agency by Mr. ****** *******, and we appreciate the opportunity to respond.

      In
      his complaint, Mr. ******* states, “a person is
      posing as Advance America employee is fraud” and “this business [Advance
      America] is engaging in the scam known as the ADVANCED FEE LOAN SCAM.” Mr.
      ******* states that “Ben W****** (at ************) told me that $931.18 was
      deposited into our bank’s joint checking account.” Mr. ******* was then
      directed to “go to *******, see the person behind the “Help Desk,” and take the
      money back out of our account and scan it into the bar code he sent into a
      message on her [Mr. *******’s wife] iPhone.” Mr. ******* states the *******
      employee realized this was a scam. Mr. ******* later received another call from
      Ben W****** who was making threatening remarks regarding his social security
      number and bank accounts. Mr. ******* states he then received an email from advance.america****@gmail.com
      on 6/22/2022, that indicated I was being charged for money laundering and there
      was a pdf attachment which was a warrant for my arrest by the Thornton,
      Colorado Police Department. Mr. ******* provided the pdf attachment within his
      complaint and was informed by the Police Department that this was a “common
      scam.” Mr. ******* also states, “these actions adversely affected my credit
      score by over 100 points” and “I expect the company to clear my name.”

      After a diligent search of
      our records, we could not locate any open accounts in
      our system associated with the personal information provided in Mr. *******’s
      complaint. Advance America would never threaten a customer with legal action that could not lawfully be undertaken. Additionally,
      Advance America would never deposit funds into a customer’s account only to
      demand their immediate return. Advance America does not control or own the
      phone number (480) ******** nor do Advance America employees utilize email
      addresses on the server “@gmail.com” for business purposes. Unfortunately,
      Advance America cannot fix Mr. *******’s credit score nor clear his name as we
      were not involved.

      These
      communications appear to be part of an effort by criminals to
      defraud consumers 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 Mr.
      ******* continue to document all details of any such communications in
      the future, that he not disclose any personal information to the
      individuals, and, if appropriate, report such communication to law enforcement.



      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 Colorado, LLC.


      Sincerely,
      Ally P*****
      Ally P*****
      Senior Compliance Governance & Risk
      Analyst

      Customer Answer

      Date: 07/29/2022

      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. However, I will pursue via the FTC and FBI, the perpetrators of this fraud who attempt to defraud the elderly, retired, disabled, and who are on a fixed income. This evil must be eliminated.



      Regards,



      ****** *******
    • Initial Complaint

      Date:07/14/2022

      Type:Billing Issues
      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 attempting to receive a loan I was informed I qualified to receive a loan for $3000. I then received a deposit in my ***** account in the amount of $2000. I was then informed I had to go to a ******** or *** near me and deposit the $2000 back into an account. I was hesitant something did not seem right. At which point I decided to wait to the following day. At some point I tried to get into my online account and was rejected all awhile I was receiving harassing messages and phone calls. I tried to reach out to my bank and was told the phone number on my account was changed as well as all my banking info. The next day July 14 I proceeded to my bank where I was told there was an investigation on my account and I no longer can do anything on said account after 10 years plus of having this account where my social security check goes in direct deposit. I then called and spoke to a Mr Roger F**** and informed him of the situation where he then wanted me to lie and say I had made these changes. I informed him I would not and he stated that he would not be able to help me. I informed Mr.F**** I would be contacting Better Business Bureau and he informed me that they could do nothing because I applied for the loan . I am appalled that someone can be treated this way when just trying to survive and make ends meet.

      Business Response

      Date: 07/18/2022


      July 18, 2022

      Ms. Cindy R*****
      Better Business Bureau
      408 North Church Street, Ste. C
      Greenville, SC 29601

                      RE:
      Ms. ******** *******, Complaint ID ********

      Dear Ms. R*****:

      Advance America, Cash Advance
      Centers of Florida, LLC (“Advance America”) is in receipt of a complaint filed
      with your agency by Ms. ******** *******, and we appreciate the opportunity to respond.

      In her complaint, Ms. *******
      states that she was “attempting to receive a loan I was informed I qualified to
      receive a loan for $3000.” Ms. ******* was then instructed that she needed to
      “go to a ******** or *** near me and deposit the $2000 back into an account.”
      Ms. ******* states she waited until the “next day” because it did not seem
      right. Ms. ******* states she attempted to log into her bank account online
      however “was rejected all awhile I was receiving harassing messages and phone
      calls.”

      After a diligent search of
      our records, we could not locate any open accounts in our system associated
      with the personal information provided in Ms. ******** complaint. Advance
      America would not request the applicant to first receive loan proceeds and then
      return as part of the approval process. Additionally, Advance America does not
      offer any loan products of $3000 to residents of Florida in our
      brick-and-mortar storefront locations nor online.

      These
      communications appear to be part of an effort by criminals to
      defraud consumers 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 Ms. *******
      continue to document all details of any such communications in the future, that
      she
      not disclose any personal information to the individuals, and, if appropriate,
      report such communication to law enforcement. 

      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*****
      Ally P*****
      Senior Compliance Governance & Risk Analyst

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