Complaints

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

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• 

  Advance America

  322 Rhett Street Greenville, SC 29601

  
• 

  Advance America

  592 Fieldstown Rd Gardendale, AL 35071-3414

• 

  Advance America

  9784 Parkway E Birmingham, AL 35215-7832

• 

  Advance America

  726 Battle St E Talladega, AL 35160-2567

• 

  Advance America

  300 Oxmoor Rd Suite 101 Homewood, AL 35209-6116

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.

• Initial Complaint

  Date:02/03/2025

  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.

  They are getting an F rating from me there staff they need to get fired online and on the phone they took my money but would not let reapply all cause of a prepaid debit card company they have done it too and I am finding me another loan company they last a customer after being a customer for over 5 years

  

  Business Response

  Date: 02/12/2025

  February 12,
  2025
  
  Cindy R*****
  Better Business
  Bureau
  *** ***** ****** ******* **** *
  Greenville, SC
  29601
  
  RE:      ***** ***** – Complaint ID: ********
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of
  Indiana, Inc. (“Advance
  America”), is in receipt of a complaint filed by ***** *****. We have
  thoroughly reviewed and appreciate the opportunity to respond.
  
  In the
  complaint, ***** *states, “They are getting an F rating from me there staff they
  need to get fired online and on the phone they took my money but would not let
  reapply all cause of a prepaid debit card company they have done it too and I
  am finding me another loan company they last a customer after being a customer
  for over 5 years.”
  
  According to
  our records, on January 31, 2025, ***** requested a loan online. Our loan
  operations team requested bank verification due to the new account that *****
  was attempting to use. ***** was notified of the documents that could be used;
  however, these documents were not uploaded to complete the application.
  
  Regarding
  *****’s complaint, we are perplexed. According to our records, we attempted to
  contact ***** on February 1, 2025; however, their number was disconnected. We
  were trying to communicate that we would need a bank statement containing at
  least the last four (4) digits of the account number to further assess their
  application. To date, we have not received this document.
  
  Should *****
  wish to apply for a loan, they may do so at a local storefront location or
  through our online portal 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 Advance
  America, Cash Advance Centers of Indiana, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Ally
  P*****
  Operational
  Risk and Compliance Manager

  Customer Answer

  Date: 02/20/2025

  I reject that on there I won't be dealing with them no more in the future I found another loan here today they do except those from ****** have a blessed day.

• Initial Complaint

  Date:01/30/2025

  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 have asked numerous times to be taken off the mailing list for these presented offers and junk mail, I have called every single number they provided at the bottom of the junk mail and asked to be taken off the list, yet this company has sent multiple “pre-approved personal loan” letters just this week. This needs to stop.

  

  Business Response

  Date: 02/13/2025

  February 13,
  2025
  
  Cindy R*****
  Better Business
  Bureau
  *** ***** ****** ******* **** *
  Greenville, SC
  29601
  
  RE:      ****** ***** – Complaint ID: ********
  
  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 asked numerous times to be taken off the
  mailing list for these presented offers and junk mail, I have called every
  single number they provided at the bottom of the junk mail and asked to be
  taken off the list, yet this company has sent multiple “pre-approved personal
  loan” letters just this week. This needs to stop.”
  
  We appreciate
  the opportunity to address ******** concerns and apologize for any
  inconvenience this may have caused. Our internal teams have thoroughly reviewed
  ******** complaint to ensure that all requests are processed in a timely
  manner. We have submitted a formal request to our third-party marketing company
  to remove ******** information from their database. Please note that this
  process may take up to thirty (30) days to become effective, and we appreciate ******** patience and understanding in this matter.
  
  Should ****** continue to get marketing from Advance America after thirty (30) days, 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 Advance
  America, Cash Advance Centers of Missouri, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Ally
  P*****
  Operational
  Risk and Compliance Manager

• Initial Complaint

  Date:01/28/2025

  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.

  On January 14, 2025, I got a loan for $100. On January 22, I received a text stating that a payment of $36+change was overdue. I made a $40 payment online on January 23. On January 24, I received a call stating I had a past due payment of $3+change. I didn't understand that since I had already made a payment. Their employee had no explanation to my questions. So, I paid $5 more online. January 26, another call about past due payment of $8.50. My online account shows a past due amount of -$8.50 (that's a credit in accounting terms). The local office was no help, so ****** connected me with another employee in another office. That woman was no help either. I went to the Georgetown office & asked about this discrepancy. ****** then told me that I had to pay $63+change in order to bring my account up to date! My online account shows recorded receipts paid, both in January & these payments have cleared the bank. Yet, Sallie T***** is telling me there's a past due payment & she can do nothing about correcting my account. Since they're stating money is past due, am I being charged 130% interest on this incorrect balance due. And what about my credit of $8.50?

  

  Business Response

  Date: 02/13/2025

  February 13,
  2025
  
  Ms. Cindy
  R*****
  Better Business
  Bureau
  *** ***** ****** ******* **** *
  Greenville, SC
  29601
  
  RE:     ****** ******* Complaint ID ********
  
  Dear Cindy:
  
  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, “On January 14, 2025, I got a loan for $100. On January 22, I
  received a text stating that a payment of $36+change was overdue. I made a $40
  payment online on January 23. On January 24, I received a call stating I had a
  past due payment of $3+change. I didn't understand that since I had already
  made a payment. Their employee had no explanation to my questions. So, I paid
  $5 more online. January 26, another call about past due payment of $8.50. My
  online account shows a past due amount of -$8.50 (that's a credit in accounting
  terms). The local office was no help, so ****** connected me with another
  employee in another office. That woman was no help either. I went to the
  Georgetown office & asked about this discrepancy. ****** then told me that
  I had to pay $63+change in order to bring my account up to date! My online
  account shows recorded receipts paid, both in January & these payments have
  cleared the bank. Yet, ****** ****** *s telling me there's a past due payment
  & she can do nothing about correcting my account. Since they're stating
  money is past due, am I being charged 130% interest on this incorrect balance
  due. And what about my credit of $8.50?”
  
  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
  South Carolina, Inc. under any applicable laws, statutes, or
  procedures.
  
  Sincerely,
  
  Ally P*****
  Ally P*****
  Operational
  Risk and Compliance Manager

• Initial Complaint

  Date:01/17/2025

  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.

  On 1/15/2025 Amanda B**** from Advanced America sent me an Email stating I was approved for a $5000 loan. I called her and she asked me how much I would.I like to borrow. I told her $3500. She then told me to get $125 in Apple gift cards. I did this then sent her pictures of the cards. She.told me I would get the money the next morning. Thus did not happen so I called her. She then said I would need to borrow $5000 and she needed another $100 in gift cards. I told her I don't have another $100. So nothing has happened and I am out $125

  

  Business Response

  Date: 01/26/2025

  January 26, 2025
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:     ****** ******* * ********* *** ********
  
  Dear Cindy:
  
  Advance
  America, Cash Advance Centers of Kansas, LLC (“Advance America”), is in receipt of a complaint filed by Thomas
  Tessmer. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In
  the complaint, ****** states, “On 1/15/2025 Amanda B**** from Advanced America
  sent me an Email stating I was approved for a $5000 loan. I called her and she
  asked me how much I would.I like to borrow. I told her $3500. She then told me
  to get $125 in Apple gift cards. I did this then sent her pictures of the
  cards. She.told me I would get the money the next morning. Thus did not happen
  so I called her. She then said I would need to borrow $5000 and she needed
  another $100 in gift cards. I told her I don't have another $100. So nothing has
  happened and I am out $125.” (sic)
  
  Please be advised neither the loan nor the communications
  described in the above complaint, have any connection to Advance America. It is
  evident that these communications are part of an effort to defraud customers,
  like Thomas, by falsely claiming to represent our company. Advance America does
  not operate in the manner described above, to deposit funds into a customer’s
  account only to request their immediate return. Advance America employees do not
  request or require funds to be transferred to a gift card for business
  purposes.
  
  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:
  
  ***** *** ***** ******** ***** ********* ****** 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 Advance America, Cash Advance Centers of
  Kansas, LLC, under any applicable
  laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Ally
  P*****
  Operational
  Risk and Compliance Manager

• Initial Complaint

  Date:01/14/2025

  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 am not liable for this debt with NCA. I do not have account with this company. They did not provide me with the original contract as I requested

  

  Business Response

  Date: 01/23/2025

  January 23,
  2025
  
  Cindy R*****
  Better Business
  Bureau
  *** ***** ****** ******* **** *
  Greenville, SC
  29601
  
  RE:      ******** ****** * ********* *** ********
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of
  California, LLC (“Advance
  America”), is in receipt of a complaint filed by ******** Morris. We have
  thoroughly reviewed and appreciate the opportunity to respond.
  
  In the
  complaint, ******** states, “I am not liable for this debt with NCA. I do not
  have account with this company. They did not provide me with the original
  contract as I requested. Correction to my credit report. I demand this account
  be removed from my credit report.”
  
  According to
  our records, ******** entered into a Customer Loan Agreement (“Agreement”) with
  Advance America on June 22, 2023. On June 23, 2023, ******** went to their
  local branch to obtain the loan proceeds in cash. Pursuant to the Agreement,
  ******** agreed to repay an amount of three hundred dollars ($300) on or before
  July 6, 2023. On July 6, 2023, a debit card payment in the amount of three
  hundred dollars ($300) was attempted; however, returned unpaid. On July 27,
  2023, an ACH payment in the amount of three hundred dollars ($300) was
  attempted; however, returned unpaid which resulted in a fifteen dollar ($15)
  returned item fee. When no further payments were received and after multiple
  attempts to contact ******** regarding their past due balance, their loan was
  sold to National Credit Adjusters on November 19, 2023, with a balance of three
  hundred fifteen dollars ($315).
  
  With regards to ********’s complaint referencing the original
  contract, we sent a copy of their Agreement to their address on January 23,
  2025. In the Assignment clause of their Agreement signed by ********, it states
  we may assign or transfer any or all of our rights, title and interest under
  this Loan Agreement at our discretion to any party.
  
  If ********
  believes they did not initiate the loan in question, we strongly recommend they
  take immediate action. ******** will need to provide a copy of their police
  report or FTC Identity Theft report to further our investigation. ******** may
  provide the copy of their police report or FTC Identity Theft report to ********************************* ** ************************************* noting the above loan was obtained
  fraudulently.
  
  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 Manager

• Initial Complaint

  Date:01/10/2025

  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 had a loan with Advance America and the balance was about 800-900 it was through payments I made reduced to 705.23 at no time when I communicated about this loan and making payments was I ever told it may be charged off to a collection agency called ***** ******** ****** who is not collecting for Advance America but ******** **** ******** I called Advance America and they said that this was a scam and I shouldn’t pay them anything so I am not and I want any money I did spend refunded and the remaining balance removed and an apology since I was told by agents of Advance America named Hope and Page and ******* that I could pay when I was able to I’m attaching the letter from ***** ******** ****** so there is a record of this

  

  Business Response

  Date: 01/17/2025

  January 17,
  2025
  
  Ms. 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, ******* ******, “I had a loan with Advance America and the
  balance was about 800-900 it was through payments I made reduced to 705.23 at
  no time when I communicated about this loan and making payments was I ever told
  it may be charged off to a collection agency called ***** ******** ****** who
  is not collecting for Advance America but ******** **** ******** I called
  Advance America and they said that this was a scam and I shouldn’t pay them
  anything so I am not and I want any money I did spend refunded and the
  remaining balance removed and an apology since I was told by agents of Advance
  America named Hope and Page and ******* that I could pay when I was able to I’m
  attaching the letter from ***** ******** ****** so there is a record of this.”
  
  In Texas,
  Advance America operates as a Credit Services Organization (CSO), assisting
  customers in obtaining loans. Advance America collects customer information and
  submits it to “Alamo Trusted Finance, LLC ("Lender") for evaluation.
  If approved, the Lender funds the loan, and Advance America issues a guaranty
  to the Lender at the customer's request. If the customer defaults, the Lender
  calls on the guaranty, and the customer then owes Advance America the unpaid
  loan amount originally provided by the Lender.
  
  According to
  our records, ******* entered into a Loan Agreement, Promissory Note and
  Security Agreement (“Agreement”) with the Lender on April 6, 2024. Pursuant to
  the Promissory Note, ******* agreed to repay an amount of one thousand
  seventy-two dollars and fifty-four cents ($1072.54) in five (5) monthly
  installments of one hundred seventy-eight dollars and seventy-six cents
  ($178.76) and one (1) final installment of one hundred seventy-eight dollars
  and seventy-four cents ($178.74) due on September 20, 2024. On April 22, 2024,
  a debit card payment in the amount of one hundred seventy-eight dollars and
  seventy-six cents ($178.76) was attempted; however, returned. When no further
  payments were satisfied as agreed, ********* loan entered default on May 23,
  2024, which halts interest from accruing. On May 31, 2024, ******* requested
  and was approved for a payment plan. On September 3, 2024, when payments were
  not satisfied as agreed, ********* loan again entered default. Attempts were
  made to assist ******* in satisfying their past due balance, however, were
  unsuccessful which resulted in their loan being sold to ******** **** ********
  on December 22, 2024.  
  
  With
  regards to ********* complaint referencing they did not receive any
  communication regarding the loan being “charged off”, we would like to provide
  clarification. In the Agreement ******* signed, in the Assignment clause, it states,
  we may assign or transfer any or all of our rights, title, and interest under
  this Loan Agreement at our discretion to any party. Additionally, ******* was
  able to make payments, view their account balance as well as view their
  Agreement at their convenience through their portal at
  At
  this time, we recommend ******* contact ******** **** ******** at ***** ******** to discuss mutually agreed payment options and any concerns regarding
  their 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 Texas, L.P. under any
  applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Ally P*****
  Operational
  Risk and Compliance Manager

  

  Business Response

  Date: 01/30/2025

  January 30,
  2025
  
  Ms. Cindy
  R*****
  Better Business
  Bureau
  *** ***** ****** ******* **** *
  *********** ** *****
  
  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, “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.  First of all what she said was
  baseless I did make payments and I was never notified or contacted about any
  issues regarding payments and no one at any time told me there was a problem
  with the payments I was making and further more when I asked when payments
  should be made I was told make them anytime and I have proof of the is so I
  would like a resolution to my satisfaction as this was not my fault and I was
  making payments otherwise the balance wouldn’t have reduced.”
  
  In Texas,
  Advance America operates as a Credit Services Organization (CSO), assisting
  customers in obtaining loans. Advance America collects customer information and
  submits it to “Alamo Trusted Finance, LLC ("Lender") for evaluation.
  If approved, the Lender funds the loan, and Advance America issues a guaranty
  to the Lender at the customer's request. If the customer defaults, the Lender
  calls on the guaranty, and the customer then owes Advance America the unpaid
  loan amount originally provided by the Lender.
  
  As outlined
  in our January 17, 2025, response, ******* entered into a Loan Agreement,
  Promissory Note and Security Agreement (“Agreement”) with the Lender on April
  6, 2024. Pursuant to the Promissory Note, ******* agreed to repay an amount of
  one thousand seventy-two dollars and fifty-four cents ($1072.54) in five (5)
  monthly installments of one hundred seventy-eight dollars and seventy-six cents
  ($178.76) and one (1) final installment of one hundred seventy-eight dollars
  and seventy-four cents ($178.74) due on September 20, 2024. On April 22, 2024,
  a debit card payment in the amount of one hundred seventy-eight dollars and
  seventy-six cents ($178.76) was attempted; however, returned. When no further
  payments were satisfied as agreed, ********* loan entered default on May 23,
  2024, which halts interest from accruing. On May 31, 2024, ******* requested
  and was approved for a payment plan. On September 3, 2024, when payments were
  not satisfied as agreed, ********* loan again entered default. ******* made
  total payments of one hundred eight dollars and thirty-two cents ($108.02) towards
  their balance. Attempts were made to assist ******* in satisfying their past
  due balance, however, were unsuccessful which resulted in their loan being sold
  to National Debt Holdings on December 22, 2024, with a balance of seven hundred
  six dollars and twenty-three cents ($706.23).  
  
  We
  understand ********* concerns and have provided all the assistance we are able
  to provide at this time. ********* responsibilities are outlined in the Agreement
  they signed, which details the obligations of both parties. Per the agreement,
  customers are responsible for fulfilling their commitments and communicating
  with us if they experience any difficulties in meeting the terms. ******* requested
  and was approved for a payment plan but, unfortunately, did not fulfill its
  terms. Currently, the only way for ******* to resolve this matter is to contact
  National Debt Holdings directly to address the outstanding balance. We
  encourage ******* to reach out as soon as possible to discuss potential options
  for resolving the debt.
  
  We
  are committed to transparency in all our transactions and encourage customers
  to carefully review their agreements. If ******* has any questions regarding their
  account, they should contact National Debt Holdings at ***** ******** to
  discuss mutually agreed-upon payment options and any concerns regarding their
  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 Texas, L.P. under any
  applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Ally P*****
  Operational
  Risk and Compliance Manager

  Customer Answer

  Date: 01/31/2025

  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 because what this person stated about a payment plan was changed and I was told because of the payment plan change then I would need to pay when I was able to which I did so why isn’t this person able to confirm my payments. If Ally would like to contact me by email to discuss this further that’s fine by me she can email me at *************************
  
  

  
  
  
  
  Regards,
  
  
  
  ******* ********

• Initial Complaint

  Date:01/06/2025

  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 am not liable for this debt with Advance America, I do not have a contract with NCA, they did not provide me with the original contract as I required

  

  Business Response

  Date: 01/15/2025

  January 15, 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, “I am not liable for this debt with Advance
  America, I do not have a contract with NCA, they did not provide me with the
  original contract as I required.”
  
  In
  Texas, Advance America operates as a Credit Services Organization (CSO),
  assisting customers in obtaining loans. Advance America collects customer
  information and submits it to Bastion Funding TX I, LLC ("Lender")
  for evaluation. If approved, the Lender funds the loan, and Advance America
  issues a guaranty to the Lender at the customer's request. If the customer
  defaults, the Lender calls on the guaranty, and the customer then owes Advance
  America the unpaid loan amount originally provided by the Lender.
  
  According
  to our records, ******** entered into a Loan Agreement, Promissory Note and
  Security Agreement (“Agreement”) with the Lender on March 14, 2024. Pursuant to
  the Promissory Note, ******** agreed to repay an amount of three hundred
  thirteen dollars and sixty-nine cents ($313.69) due on or before March 28,
  2024. On March 28, 2024, a partial debit card payment in the amount of
  sixty-three dollars and sixty-nine cents ($63.69) 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 21, 2024. We
  recommend ******** reach out to National Credit Adjusters at (888) 768-0674 to
  discuss mutually agreeable payment options.
  
  With regards to ********’s complaint
  referencing the original contract, we sent a copy of their contract to their
  address on January 15, 2025. In the Assignment clause of their Agreement signed
  by ********, it states we may assign or transfer any or all of our rights,
  title and interest under this Loan Agreement at our discretion to any party.
  
  If ******** believes they did not initiate the loan in question, we strongly
  recommend they take immediate action. ******** will need to provide a copy of
  their police report or FTC Identity Theft report to further our investigation.
  ******** may provide the copy of their police report or FTC Identity Theft
  report to ********************************* or ************************************* noting the above loan
  was obtained fraudulently.
  
  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 Manager

• Initial Complaint

  Date:12/31/2024

  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.

  We were suppose to get the loan of $8,000. This person Robert B**** has not answer any of our questions. We paid $245 to guarantee the loan. We never got the loan at all. We have tried calling Mr. B**** and it go straight to voice mail and He never called us back.

  

  Business Response

  Date: 01/08/2025

  January 8, 2025
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:     ***** ****** * ********* *** ********
  
  Dear Cindy:
  
  Advance
  America, Cash Advance Centers of Indiana, Inc. (“Advance America”), is in receipt of a complaint filed by *****
  ******. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In
  the complaint, ***** states, “We were suppose (sic) to get the loan of $8,000.
  This person Robert B**** has not answer any of our questions. We paid $245 to
  guarantee the loan. We never got the loan at all. We have tried calling Mr.
  B**** and it go straight to voice mail and He never called us back.” *****
  provided a copy of the loan agreement with their complaint from “Cash Advance
  America.”
  
  Please be advised neither the loan nor the communications
  described in the above complaint, have any connection to Advance America. It is
  evident that these communications are part of an effort to defraud customers,
  like *****, by falsely claiming to represent our company. Advance America does
  not operate in the manner described above, to request funds upfront to “guarantee
  the loan.” Lastly, Advance America is not affiliated with the business, “Cash
  Advance America.”
  
  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 (844) 562-6480.
  
  This letter is written under a full
  reservation of rights and is not intended to be, nor should it be construed as,
  any admission of liability or as a waiver of any rights afforded Advance America, Cash Advance Centers of
  Indiana, Inc., under any
  applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally
  P*****
  Operational
  Compliance and Risk Manager

• Initial Complaint

  Date:12/18/2024

  Type:Customer Service 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.

  I was contacted by this company in regards to a online loan application stating that I was eligible for $10,000 loan but what they did was they deposited money into my account and I was told as a security deposit I need to send it back to them I did this not once, but twice the second time I told him that this was fraud I contacted my bank And as a result of bank closed my bank account.

  

  Business Response

  Date: 12/20/2024

  December 20, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:     ***** ******** – Complaint ID: ********
  
  Dear Cindy:
  
  Purpose
  Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a
  complaint filed by ***** ********. We have thoroughly reviewed and appreciate
  the opportunity to respond.
  
  In
  the complaint, ***** states, “I was contacted by this company in regards to a
  online loan application stating that I was eligible for $10,000 loan but what
  they did was they deposited money into my account and I was told as a security
  deposit I need to send it back to them I did this not once, but twice the
  second time I told him that this was fraud I contacted my bank And as a result
  of bank closed my bank account.”
  
  Please be advised neither the loan nor the communications
  described in the above complaint, have any connection to Advance America. It is
  evident that these communications are part of an effort to defraud customers,
  like *****, by falsely claiming to represent our company. Advance America does
  not operate in the manner described above, to deposit funds into a customer’s
  account only to request their immediate return. Additionally, Advance America
  does not operate brick-and-mortar storefront locations in the state of
  Nebraska, nor does it offer online services to residents of Nebraska.
  
  If ***** believes that they have fallen victim
  to a potential scam, they may wish to visit the FBI reporting website for
  further guidance and assistance in reporting this incident. The link to this
  resource can be found here:. It is imperative that ***** exercise caution and diligence in
  dealing with any financial transactions, especially those that seem suspicious
  or unfamiliar.
  
  This letter is written under a full
  reservation of rights and is not intended to be, nor should it be construed as,
  any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance
  America, Cash Advance Centers, Inc., under
  any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally
  P*****
  Senior
  Compliance Governance & Risk Analyst

  Customer Answer

  Date: 12/27/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  
  
  Better Business Bureau,
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  I understand that scammers are using this companies name to scam people.  It isn’t their fault I apologize.
  
  Regards,
  
  
  
  ***** ********

• Initial Complaint

  Date:12/13/2024

  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 applied for a loan and since then this company has been harassing me. They constantly call me and are very rude and keep wanting me to come in to their office after I have explained I am having transportation and medical problems at the moment. They even asked me to stop by the office while I was on my way to the emergency room.

  

  Business Response

  Date: 12/19/2024

  December 19,
  2024
  
  Cindy R*****
  Better Business
  Bureau
  408 North
  Church Street, Ste. C
  Greenville, SC
  29601
  
  RE:      **** ********* – Complaint ID: ********
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of
  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 applied for a loan and since then this
  company has been harassing me.” **** states, “They constantly call me and are
  very rude and keep wanting me to come in to their office after I have explained
  I am having transportation and medical problems at the moment.” Lastly, ****
  states, “They even asked me to stop by the office while I was on my way to the
  emergency room.”
  
  We have
  thoroughly reviewed our records regarding the communication with the customer
  about potential loan refinancing options. While our documentation does not show
  any instances of our team members being rude or disrespectful during these
  calls, we take all customer feedback seriously. We have addressed ****'s
  concerns with the appropriate departments to ensure that our customer service
  standards are consistently met. Furthermore, we have reinforced our policy of
  promptly removing customers from our calling list when requested. We understand
  the importance of respecting our customers' preferences and are committed to
  improving our processes to prevent similar situations in the future. Our goal
  is to provide a positive experience for all our customers, and we appreciate
  Lori bringing this matter to our attention.
  
  Additionally,
  we have requested ****’s phone number to be removed from being called for
  future loan refinance options. This can take up to thirty (30) days to be
  removed. Should **** continue to be called regarding refinancing their loan,
  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 Advance America,
  Cash Advance Centers of Missouri, Inc., under any applicable laws, statutes, or
  procedures.
  
  Sincerely,
  
  Ally
  P*****
  Senior
  Compliance Governance & Risk Analyst