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:12/11/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
i was scammed from nov 26th of 2024 to Dec 3rd 2024 by some one pretending to be advance America Thomas gilbert and James rogers for a loan of 10.000 dollars i was alerted by my bank they have scammed me fore 4,830.00 dollars they email mailed me and text and called me on my phone and did go file a police report with Lafollette pd on dec 3rd . now my back is requiring me to pay all this back to them i thought this was a legit loan company as i found out it was not i was being scammed i want my money back my bank is going to work with me for 60days then they turn it over to collation i did fax it to u *********** with all my texts and emails as well i haven't got my police report yet but they are working on this as a active case . i dont think is fair for me to pay back all this money to my bank cause i was scammed
Business Response
Date: 12/17/2024
December 17,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ******** ***** – Complaint ID: ********
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, “i was scammed from nov 26th of 2024 to Dec
3rd 2024 by some one pretending to be advance America Thomas gilbert and James
rogers for a loan of 10.000 dollars i was alerted by my bank they have scammed
me fore (sic) 4,830.00 dollars they email mailed me and text and called me on
my phone and did go file a police report with Lafollette pd on dec 3rd .”
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, like ********, by falsely claiming to represent Advance
America. We do not have any record of any loans using the personal information
provided in the complaint. Lastly, Advance America does not offer loans in the
amount of ten thousand dollars ($10,000).
We recommend ******** 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 Advance America,
Cash Advance Centers of Tennessee, Inc., under any applicable laws, statutes,
or procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:12/11/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
They said I took a loan out. But I didn't. no one will talk to me. Because my information don't match their information. Now they are calling my family members threw united account service. I was hacked in April of last year and reported it. They claim this happened in August of this year they said. The used my date of birth. But the rest of my informationdont match. So They won't tell me anything. It's not even on my credit report. They just say I own 1,000.00 and are harassing my family members. Not me. Please helpBusiness Response
Date: 01/02/2025
January 2, 2025
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance
America, Cash Advance Centers of South Carolina, Inc. (“Advance America”), is in receipt of a complaint filed by *****
Potter. We have thoroughly reviewed and appreciate the opportunity to respond.
In
the complaint, ***** contends a loan was taken out using their personal
information, however, was not authorized. ***** contends their family members
are being contacted by “united account service” regarding the debt and would
like the communications to cease.
According to our records, ***** entered into a
Consumer Loan Agreement (“Agreement”) with Advance America on May 5, 2024.
Pursuant to the Agreement, ***** was approved to make draws of up to eight
hundred dollars ($800). On May 5, 2024, ***** requested and was approved for a
draw of eight hundred dollars ($800). Payment attempts were made, however, were
unsuccessful and remained unpaid. After multiple unsuccessful attempts to
contact ***** and collect their past due balance, their loan was sold to
National Debt Holdings on October 20, 2024, with a balance owed of one thousand
dollars and fifty-three cents ($1000.53). We recommend ***** reach out to
National Debt Holdings at (877) 277-5571 to discuss mutually agreeable payment
options.
On December 20, 2024, we investigated *****’s
claims referencing identity theft. Unfortunately, there is not enough evidence
to support *****’s claim at this time. Our Fraud Response Team sent
notification to ***** on December 20, 2024. Should ***** want to continue the
investigation, they will need to submit a copy of a police report or FTC
Identity Theft report noting the above loan was obtained fraudulently. *****
may submit the documentation to either ********************************* or
**************************************
With regards to *****’s complaint referencing
“United Account Service,” we reached out to National Debt Holdings and they
confirmed they have no affiliation. These communications appear to be an effort
to defraud customers, like *****, by falsely claiming to represent our company,
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.
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 Advance America, Cash Advance Centers of
South Carolina, Inc., under any
applicable laws, statutes, or procedures.
Sincerely,
Ally
P*****
Operational
Risk and Compliance ManagerBusiness Response
Date: 01/02/2025
January 2, 2025
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance
America, Cash Advance Centers of South Carolina, Inc. (“Advance America”), is in receipt of a complaint filed by *****
Potter. We have thoroughly reviewed and appreciate the opportunity to respond.
In
the complaint, ***** contends a loan was taken out using their personal
information, however, was not authorized. ***** contends their family members
are being contacted by “united account service” regarding the debt and would
like the communications to cease.
According to our records, ***** entered into a
Consumer Loan Agreement (“Agreement”) with Advance America on May 5, 2024.
Pursuant to the Agreement, ***** was approved to make draws of up to eight
hundred dollars ($800). On May 5, 2024, ***** requested and was approved for a
draw of eight hundred dollars ($800). Payment attempts were made, however, were
unsuccessful and remained unpaid. After multiple unsuccessful attempts to
contact ***** and collect their past due balance, their loan was sold to
National Debt Holdings on October 20, 2024, with a balance owed of one thousand
dollars and fifty-three cents ($1000.53). We recommend ***** reach out to
National Debt Holdings at (877) 277-5571 to discuss mutually agreeable payment
options.
On December 20, 2024, we investigated *****’s
claims referencing identity theft. Unfortunately, there is not enough evidence
to support *****’s claim at this time. Our Fraud Response Team sent
notification to ***** on December 20, 2024. Should ***** want to continue the
investigation, they will need to submit a copy of a police report or FTC
Identity Theft report noting the above loan was obtained fraudulently. *****
may submit the documentation to either ********************************* or
**************************************
With regards to *****’s complaint referencing
“United Account Service,” we reached out to National Debt Holdings and they
confirmed they have no affiliation. These communications appear to be an effort
to defraud customers, like *****, by falsely claiming to represent our company,
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.
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 Advance America, Cash Advance Centers of
South Carolina, Inc., under any
applicable laws, statutes, or procedures.
Sincerely,
Ally
P*****
Operational
Risk and Compliance ManagerCustomer Answer
Date: 01/03/2025
Nothing shows on my report about this loan. When I got hacked I frozen my credit too.
see attached
Customer Answer
Date: 01/03/2025
Nothing shows on my report about this loan. When I got hacked I frozen my credit too.
see attached
Business Response
Date: 01/17/2025
January 17,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of South
Carolina, Inc. (“Advance
America”), is in receipt of a complaint filed by ***** Potter. We have
thoroughly reviewed and appreciate the opportunity to respond.
In the
complaint, ***** contends a loan was taken out using their personal
information, however, was not authorized. ***** contends their family members
are being contacted by “united account service” regarding the debt and would
like the communications to cease.
We appreciate
*****'s ongoing communication with Advance America. While ***** has provided a
copy of their FTC Identity Theft report, we noted that the report does not
specifically indicate that the loan in question was obtained fraudulently. To
proceed with this investigation, we need a report that enumerates and affirms
the loan was fraudulently obtained.
To address
*****'s questions and concerns more comprehensively, our Customer Care Team is
prepared to reach out directly. To facilitate this, we kindly request that
***** provide us with a preferred day and time for contact.
Next Steps:
***** should specify a convenient day and
time for our Customer Care Team to contact them.
Our team will reach out at the designated
time to discuss the situation in detail.
We will work together to address any
outstanding issues and provide further assistance as needed.
We remain
committed to resolving this matter and ensuring ***** receives the support
required. If there are any immediate concerns or if ***** would like to
expedite this process, please do not hesitate to let us know.
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 South Carolina, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerBusiness Response
Date: 01/17/2025
January 17,
2025
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of South
Carolina, Inc. (“Advance
America”), is in receipt of a complaint filed by ***** Potter. We have
thoroughly reviewed and appreciate the opportunity to respond.
In the
complaint, ***** contends a loan was taken out using their personal
information, however, was not authorized. ***** contends their family members
are being contacted by “united account service” regarding the debt and would
like the communications to cease.
We appreciate
*****'s ongoing communication with Advance America. While ***** has provided a
copy of their FTC Identity Theft report, we noted that the report does not
specifically indicate that the loan in question was obtained fraudulently. To
proceed with this investigation, we need a report that enumerates and affirms
the loan was fraudulently obtained.
To address
*****'s questions and concerns more comprehensively, our Customer Care Team is
prepared to reach out directly. To facilitate this, we kindly request that
***** provide us with a preferred day and time for contact.
Next Steps:
***** should specify a convenient day and
time for our Customer Care Team to contact them.
Our team will reach out at the designated
time to discuss the situation in detail.
We will work together to address any
outstanding issues and provide further assistance as needed.
We remain
committed to resolving this matter and ensuring ***** receives the support
required. If there are any immediate concerns or if ***** would like to
expedite this process, please do not hesitate to let us know.
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 South Carolina, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Ally
P*****
Operational
Risk and Compliance ManagerCustomer Answer
Date: 01/21/2025
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.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
***** ******Customer Answer
Date: 01/21/2025
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.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
***** ******Initial Complaint
Date:12/10/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a victim of identity theft and believe this company has been issuing fraudulent loans in my old married name. I receive alerts for a payday loans in my name through ****** and received a collection call from this business. I have a freeze on my credit reports, a fraud alert on my credit, and am requesting a consumer report. I do not have an account with this business.Business Response
Date: 12/17/2024
December 17,
2024
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, “I am a victim of identity theft and
believe this company has been issuing fraudulent loans in my old married name.”
********* states, “I receive alerts for a payday loans in my name through
****** and received a collection call from this business. Lastly, *********
states, “I do not have an account with this business.”
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, like *********, by falsely claiming to represent Advance
America. We do not have any record of any loans using the personal information
provided in the complaint by ********* nor do we have any records of calls
being made to *********. We believe ********* may have the wrong company.
We recommend ********* 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 Advance America,
Cash Advance Centers of Indiana, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:12/06/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got a text message from Advance America stating that I was approved for 10,000. I texted them back. I only wanted 7000. I called and spoke to 1 person at Advance America I don't remember the 1st guys name. He took my information down and transferred me to Christian Hudson he got ALL my information, he was the main one I spoke to this whole time. (all text mess. below are all him) Christian stated that he was not able to transfer my funds into my bank of America account. He then asked if I had another account, I stated no. Christian stated that they could wire it to me Western Union but I would have to pay a fee of $200 and they would give it back with the 7000 which made it 7200. I never receive the loan. The next day I texted him to figure out what happened and he told me that it did not work and if I could open another account at another bank. He was trying to get me to open other things I said I am not putting out more money. I want my 200 back. This went on for days until he finally said I wasn't getting my 200 back. Never received my loan or my 200. He told me I would have to put out money to get money, I said if that was the case I would never asking for a loan. I really think this was a scam, I never had this hard of a time getting a loan and they wont give my 200 back. He stated that W. Union had a hold on it and they would have to put a claim in to get it back. After all of this he stated that the bank was holding the money and that it would clear. I called BOA and they stated that there was nothing pending from them or that they never sent anything. I said well Advance said they sent it but you guys (BOA) was holding it due to fraud. BOA stated that they would not hold anything that was coming in. The 1st picture below is me trying to cash app because he said he couldn't take the 200 out of my checking account even though he had my info. I had to Bitcoin him because the cash app he sent me wasn't working. Is it possible Bitcoin can be traced?Business Response
Date: 12/10/2024
December 10,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ******* **** – Complaint ID: ********
Dear Cindy:
ACSO of Texas, L.P. d/b/a Advance America (“Advance America”), is in receipt of a
complaint filed by ******* ****. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the
complaint, ******* **** contends they were approved for a loan of $10,000 from
Advance America but only requested $7,000; however, they were informed that due
to their low credit score, the funds would need to be transferred into their
account and subsequently returned using a gift card. ******* provided
screenshots of the text messages with their complaint.
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, 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. Additionally, Advance America does not offer loans of ten
thousand dollars ($10,000) in the state of Texas or anywhere across our
footprint.
We recommend ******* 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 ACSO of Texas,
L.P. d/b/a Advance America, under any applicable laws, statutes, or procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:12/04/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was seeking a debt consolidation loan of $4000. I signed all the paperwork and was told my credit score needed to come up by 20+ points.
they requested me to return $1000 that was put into my bank account. (I had given them full access to it.) They suggested using Apple gift cards. This I did. When I called them to find out what to do next, I also checked my bank account There was another $500 in it. They told me I needed to return that also. While trying to find another card, I checked my account again. There was an additional $1000 in it. I called back to find out why this was there. They said they needed it to raise my credit score again.
At this point I told them that IA thought this was a scam and I wouldn't do it until I talked to my bank. I got a call from Chase (my bank) that his was normal. So I western Union'ed $1500 dollars to them. I cost ME $130 to do this. The next morning, there was more money in my account. I called them to find out why. They once again told me - credit score. At this point I checked my account details and found that they were posting fraud notices to Chase to get that money in my account. My creditors were on my case about my accounts being overdrawn.
I also found a $1000 loan, not the 4000
I signed for.Business Response
Date: 12/10/2024
December 10,
2024
Cindy R*****
Better Business
Bureau
408 North
Church Street, Ste. C
Greenville, SC
29601
RE: ******* ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Wisconsin, Inc. (“Advance America”),
is in receipt of a complaint filed by ******* ******* We have thoroughly
reviewed and appreciate the opportunity to respond.
In the
complaint, ******* ****** contends that they were seeking funds for debt
consolidation, having signed the necessary documentation. However, they were
informed that due to their low credit score, the funds would need to be
transferred into their account and subsequently returned using a gift card.
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, 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.
We recommend ******* 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 Advance America,
Cash Advance Centers of Wisconsin, Inc., under any applicable laws, statutes,
or procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystCustomer Answer
Date: 12/11/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau,
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
******** ******Initial Complaint
Date:12/02/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Company told me I could get a loan. Went through paperwork signed documents exchanged Info. Then said they deposited money into my account and wanted me to return the money. I transfered the amount to my cash app to return money but kept getting denied. That's when I realized whole thing was a scam. Company trying to take money out of my bank using g my car loan and phone Company as a reversal.Business Response
Date: 12/09/2024
December 9,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ****** ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of Ohio,
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, “Went through paperwork signed documents exchanged Info.”
****** states, “Then said they deposited money into my account and wanted me to
return the money.” ****** lastly states, “I transfered (sic) the amount to my
cash app to return money but kept getting denied.”
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, 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.
We recommend ****** 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 Advance America,
Cash Advance Centers of Ohio, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:12/02/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Advance America went in my account and disputed many charges on my chase account. After that they said they will send me money. After they sent me money they had me send back to them on a gift card. They said by making it look like I have better credit, now my account is overdrawn almost $6000. I only know the name of business is called Advance America and spoke with David C***** at ********** and they were out of Florida.Business Response
Date: 12/09/2024
December 9,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Nevada, 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, “Advance America went in my account and disputed many
charges on my chase account.” ***** states, “After they sent me money they had
me send back to them on a gift card.” ***** lastly states, “I only know the
name of business is called Advance America and spoke with David C***** ** ********** and they were out of Florida.”
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above, appear to be part of an effort to
defraud customers, 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 nor would we “dispute” account transactions. Additionally,
Advance America does not own or operate the phone number, “***** **********
We recommend ***** 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 Advance America,
Cash Advance Centers of Nevada, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:11/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got a loan online on 11/18 for $715. On 11/20 I attempted to make a payment online, and by calling the customer service number. The rep said that I was not able to make a payment until the 4th day. Which, of course will incur a fee of $88.50. In IN, you are allowed 3 days to cancel a contract so that is why they say you can't pay it until the 4th day. They want that fee. The website says that you can pay off the loan early, there is nothing about a timeframe.Business Response
Date: 11/22/2024
November 22, 2024
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, ********* ****** contends
they attempted to make a payment online and through the customer service
number; however, was told “…I was not able to make a payment until the 4th day.”
According
to our records, ********* entered into a Customer Loan Agreement (“Agreement”)
with Advance America on November 18, 2024. Pursuant to the Agreement, ********* agreed to repay an amount of eight hundred three dollars and fifty cents
($803.50) on or before December 13, 2024.
We
understand *********** *frustration regarding the recent payment issue and
appreciate them bringing this to our attention. After carefully reviewing the
call recording, we can confirm that our agent did provide accurate information
about payment options. Specifically, ********* was advised that cash payments
could be made at one of our branch locations and a payment was already
scheduled for the due date. ********* wanted to utilize a debit card for their
payment; however, debit cards are unable to be used as a payment method for up
to three (3) days after loan origination.
Regarding
the interest charges, it's important to note that according to the terms of *********** *agreement, to avoid fees and interest, the loan would have needed to be
rescinded by close of business on November 19, 2024. ********* made their call
on November 20, 2024.The prepayment clause in *********** Agreement states that
early payoff does not result in a refund of any part of the fee, unless the
loan is cancelled as outlined in the 'Right to Cancel' section.
Our
team members work diligently to provide clear and accurate information to all
our customers. If ********* has further questions about their agreement or
payment options, we're here to assist you and ensure you have all the
information you need. ********* 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 Indiana, Inc., under
any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:11/18/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I REFERRED someone to you and you have to send me a $50.00 master card email . Pleases fix this problem . Thanks again ??????????????Business Response
Date: 11/21/2024
November 21,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ****** ******* * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Florida, LLC (“Advance America”),
is in receipt of a complaint filed by ****** ******** We have thoroughly
reviewed and appreciate the opportunity to respond.
In the complaint,
****** ******* states, “I REFERRED someone to you and you have to send me a
$50.00 master card email.” ****** states, “Please fix this problem.”
We have
attempted to reach ****** regarding their complaint; however, have been
unsuccessful. To ensure we fully understand ******** complaint, we recommend
they reach out to the branch where they originated their loan at ***** ********. ****** may also reach out to 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 Florida, LLC, under any applicable laws, statutes, or
procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystInitial Complaint
Date:11/12/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a text from Advance America that I had been approved for a $10000 loan. If interested in taking the loan I should contact the company at ************** and speak to Paul H*****. I was given an approval ID of CL-10480 for a loan of $10000 with monthly payments of $185.26.
I called to get more information about the loan as I wanted to take the loan offered. I was given repeated excuses as to why the loan had not been deposited and several requests for payments that eventually added up to $1900.
I have requested a refund of the $1900 I paid in and am awaiting resolution by the commission.Business Response
Date: 11/20/2024
November 20,
2024
Cindy R*****
Better Business
Bureau
*** ***** ****** ******* **** *
Greenville, SC
29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
Advance America, Cash Advance Centers of
Kentucky, Inc. (“Advance
America”), is in receipt of a complaint filed by ***** ******. We have
thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ****** states, “I received a text from Advance America that I had been
approved for a $10000 loan.” ***** was instructed if they were interested, they
needed to contact the following phone number “************** and speak with
Paul H******” ***** contends they attempted to obtain more information about
why the loan proceeds were not being deposited; however, was met with instructions
to make payments of up to $1900.
Please be
advised neither the loan nor the communications described above, came from us, Advance
America. The communications described above appear to be part of an effort to
defraud customers, like *****, by falsely claiming to represent Advance
America. Advance America would never operate under the conditions described
above, by having funds deposited into a customer’s account only to request
their immediate return. Furthermore, Advance America does not offer loans of
$10,000 in the state of Kentucky. Lastly, Advance America does not own or
operate the phone number, “***** *********”
We recommend ***** 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 Advance America,
Cash Advance Centers of Kentucky, Inc., under any applicable laws, statutes, or
procedures.
Sincerely,
Ally
P*****
Senior
Compliance Governance & Risk AnalystCustomer Answer
Date: 11/21/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
***** ******
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