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.
- 116 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:09/03/2024
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 had filled out payday loan requests online. I was then contacted by someone who was claiming to be Advance America on 8/28/2024. They said I was approved for a payday loan of $1500. They sent me an email with a supposed to be application where it asked the last 4 of my social and online banking info to verify. I filled it out and they sent me another email with the "loan agreement". I then talked to the "agent" on an actual phone call who told me I had to talk to his manager and he would be calling me. The manager named "Mike Bush" with phone number *** *** ****. He told me I had to complete a verification process where they would deposit a small amount then I send it back and then I would get the full $1500 deposited into my account. He wanted it via cash app but it wouldn't work so I purchased a gift card and sent it to him. I should have seen the signs that this wasn't normal. my bank was then charged another 499.00 and left me negative. I contacted the bank who said this was a scam. It is being investigated but I'm still negative. I tried contacting the number again but no answer.
Business Response
Date: 09/09/2024
September 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, **** ******* contends they requested a loan
online and was approached by “Priority Loan Servicing” who requested personal
information. **** contends they were instructed they would be sent a small verification
deposit and they would need to send it back via a gift card to receive the full
loan amount. **** attached the loan
agreement from “Priority Loan Servicing” and texts with their complaint.
According to our records, **** entered into a Customer Loan
Agreement (“Agreement”) with Advance America on December 23, 2021. Pursuant to
the Agreement, **** agreed to repay an amount of one thousand sixty-two dollars
and forty-four cents ($1062.44) in eleven (11) bi-monthly installments of
eighty-eight dollars and fifty-four cents ($88.54) and one (1) final
installment of eighty-eight dollars and fifty cents ($88.50) due on June 3,
2022. **** made total payments of eight hundred eighty-five dollars and forty
cents ($885.40) as agreed. After multiple unsuccessful attempts to contact ****
and collect their past due balance, their loan was sold to **** **** ******* on
December 18, 2022, with a balance of three hundred twenty-one dollars and nine
cents ($321.09). We recommend **** reach out to **** **** ******* at ***** ******** to discuss mutually agreeable payment options.
With regards to ****’s complaint, the communications and loan
described above, did not originate from Advance America. These communications
appear to be part of an effort to defraud consumers, like **** by falsely
claiming to represent Advance America. Advance America does not operate under
the conditions described in the above complaint, to deposit funds into a
customer’s account only to request their immediate return. Advance America
employees would never require or request a customer to purchase gift cards for
business purposes.
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 Ohio, Inc., under any
applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:08/30/2024
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 loan from Advance t in the amount of $700. I was wondering why my payments were not going down and has remained at $467 for 4 months and no money was being paid on the lt. It stayed at over $500 for months.I called and talked to a customer service.represenative., and was told the money was going to pay interest and not to loan. . I got him twas ilo,that O was going to file a complaint, he told me to go to ahead.I will never be able to get this paid off, because only a couple of dollars are being applied to the loan, and have been paying for months.Business Response
Date: 09/13/2024
September 13, 2024
Cindy ******
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
*** ********* ***** - Complaint
ID: 22219746
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, ********* ***** contends they got a loan;
however, payments are not decreasing the principal balance as they expected. ********* contends they spoke with someone at Advance America who responded
that the monthly payment was going to interest and not to the principal
balance. ********* states, “I will never be able to get this paid off, because
only a couple of dollars are being applied to the loan, and (sic) have been
paying for months.”
According to our records, ********* entered into a Consumer Line
of Credit Agreement (“Agreement”) with the Advance America storefront located
at **** **** ** Boiling Springs, SC, 29316 on June 14, 2023. ********* was
approved to make draws of up to one thousand four hundred forty dollars ($1440).
On June 14, 2023, ********* requested and received a draw of three hundred
dollars ($300). Since requesting and receiving the loan, ********* has paid as
agreed and has also continued to request and receive draws. As of today,
September 13, 2024, ********* has a currently balance of three hundred
eighty-nine dollars and sixty-seven dollars ($389.67).
Regarding *********** complaint about their monthly payment, we
want to clarify that the Line of Credit Agreement was provided and thoroughly
explained before ********* signed the Agreement. The Agreement clearly outlined
how fees and the balance were calculated, as well as details about the minimum
payment due. Additionally, on the call ********* is referring to, the agent
mentioned the majority of the minimum payment is going towards interest. The
monthly statement shows the breakdown for reference.
In addition to the Agreement, ********* is supplied with a
monthly statement that contains the minimum payment due along with how much of
the minimum payment is credited to principal and interest. Furthermore, the statement notifies *********
that if they only pay the minimum payment, the amount of interest owed over the
life of the loan could increase as well as the time it takes to repay their
balance. If ********* wants to reduce their monthly payment, they could
consider paying more than the minimum amount due each month. If they have
further questions, they may contact the branch where they originated their loan
or contact the Customer Service 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
South Carolina, Inc., under any applicable laws, statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk AnalystInitial Complaint
Date:08/23/2024
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 tried applying for a loan but it seemed fishy they reached out via text then they want to deposit a large sum in my account and have me **** *** them it back. Felt like a scam as they also had me give my bank passwordBusiness Response
Date: 08/28/2024
August 28, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ******* * ********* *** ********
Dear Cindy:
Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a
complaint filed by ***** *******. We have thoroughly reviewed and appreciate
the opportunity to respond.
In the complaint, ***** ******* states, “I
tried applying for a loan but it seemed fishy they reached out via text then
they want to deposit a large sum in my account and have me **** *** them it
back.” ***** further states, “Felt like a scam as they also had me give my bank
password.”
The communications and loan described above by
*****, did not originate from Advance America. These communications appear to
be part of an effort to defraud consumers, like ***** by falsely claiming to
represent Advance America. Advance America does not operate brick-and-mortar
storefront locations in the state of Utah, nor does it offer online services to
residents of Utah. Advance America does not operate under the conditions
described in the above complaint, to deposit funds into a customer’s account
only to request their immediate return. Advance America employees would never
require or request a customer to use ********” for business purposes.
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
AnalystInitial Complaint
Date:08/22/2024
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.
This has been going on since May ! Needed a loan Dave S**** from cash advance contacted me and told me I was approved! Gave him the information and did what he told me to! He emptied my bank account of $540 and got my SS check $2241 ! I’ve told him to give me my money back for 2 weeks now! He’s blocked me! I received No loan either! I’ve get all correspondence pictures and names involved! I need meds and food! Please help me!#************ *** *Business Response
Date: 08/28/2024
August 28, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ***** * ********* *** ********
Dear Cindy:
Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a
complaint filed by ***** *****. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ***** ***** states, “Needed
a loan Dave S**** from cash advance contacted me and told me I was approved!”
***** states, “Gave him the information and did what he told me to!” and “He
emptied my bank account of $540 and got my SS check $2241!”
The communications and loan described above by ****** did not originate from Advance America. These communications appear to
be part of an effort to defraud consumers, like ***** by falsely claiming to
represent Advance America. Advance America does not operate brick-and-mortar
storefront locations in the state of Pennsylvania, nor does it offer online
services to residents of Pennsylvania. Lastly, Advance America is not
affiliated with the business name, “Cash Advance”.
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
AnalystInitial Complaint
Date:08/22/2024
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 contacted by Jessica W******* who claimed to be a lender and said I was approved for a 5000 dollar loan. Then told me my bank was not accepted and to find somebody who has been with a bank for over 6 months. I had my Boss contact Jessica and she was asked to provide her mobile login and password. The phone number these people are using is ********** .Business Response
Date: 08/28/2024
August 28, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ****** **** * ********* *** ********
Dear Cindy:
Purpose
Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a
complaint filed by ****** ****. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ****** **** states, “I was
contacted by ******* ******** who claimed to be a lender and said I was
approved for a 5000 dollar loan.” ****** further states, “then told me my bank
was not accepted and to find somebody who has been with a bank for over 6
months” and “I have my Boss contact Jessica and she was asked to provide her mobile
login and password.” ****** provided a screenshot of the approval letter from “Advance
America USA” and contact phone number, ***************
The communications and loan described above by
******, did not originate from Advance America. These communications appear to
be part of an effort to defraud consumers, like ****** by falsely claiming to
represent Advance America. Advance America does not operate brick-and-mortar
storefront locations in the state of Oregon, nor does it offer online services
to residents of Oregon. Lastly, Advance America does not own or operate the
phone number, “************” nor are we affiliated with the business name, “Advance
America USA”.
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
AnalystInitial Complaint
Date:08/19/2024
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 contacted by this company on August 15, 2024 about an online loan for 2000 dollars. They deposited money to my ***** bank account for 500 dollars then asked me to send it back to show the validity of said account. I then sent it back. When doing so they deposited 1000 dollars into my ***** ***** account. Then the next morning they deposited 500 dollars to my ***** account. After speaking to other bankers I immediately withdrew the money from my ***** account. I closed that account this morning and changed the account number(checking). I closed my ***** ***** account yesterday and spoke to a ***** ***** banker and a ***** banker and they both agreed that it sounded like fraud. I spoke to ***** ***** fraud dept today and they also agreed that it sounded like fraud. The company in question sent me several text messages threatening me that they will send a form to my bank to close my account. After speaking to both banks I was told they cannot close my accounts and they would have to take me to court. The accounts manager sent a text about 1 hour ago saying if I don't pay him the 1000 dollars by today, my account will be closed by Monday. As stated earlier I talked to both banks and they said I am the only one who can open or close any accounts. Actually the text came in at 1042 am est his closing words were "am **** sure about it." I did tell him he would get the money in two installments but he declined. If the loan was for 2000 dollars and you already sent me 1500 dollars, why can't you send me 500 more and it will be 2000 and I would honor the original contract. There was no online loan agreement for me to sign so I can download it to a file on my phone. I am currently dealing with two other loan companies and they are trying to work with me. I don't understand why should I send them back the money when they already deposited the money in my account. I am willing to pay it back but it would take about 3 weeks.Business Response
Date: 08/27/2024
August 27, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ******* * ********* *** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a
Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ***** *******. We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ******* asserts they were contacted regarding
an online loan in the amount of $2000. ***** asserts $500 was deposited into
their bank account and was instructed to send back. ***** asserts they were
sent threatening and harassing text messages from the company stating the funds
needed to be returned.
The communications and loan described above by *****, did not
originate from Advance America. These communications appear to be part of an
effort to defraud consumers, like ***** by falsely claiming to represent
Advance America. Advance America does not operate brick-and-mortar storefront
locations in the state of New Jersey, nor does it offer online services to
residents of New Jersey. Lastly, Advance America does not operate in the manner
described by *****, to deposit funds into a customer’s account only to request
their immediate return.
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 AnalystCustomer Answer
Date: 08/28/2024
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,
***** *******Initial Complaint
Date:08/15/2024
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.
Dates of transactions: 8/13-14/2024
Business: Advance America
Phone number: +1 (415) 805-2016
Name of Loan Officer: Roy M***** What happened: I was called by this company and decided to try and use them to obtain a debt consolidation loan. After I was “approved” I was told I needed to pay an insurance on the loan (that would be fronted by the company) and to raise my credit score, they would deposit it into my account and I would either take the money and put it into ******* and buy ******* or would be instructed to buy a prepaid gift card or ***** gift card. My bank informed me that the deposits into my account were made with fraudulent checks and I had been scammed.Business Response
Date: 08/23/2024
August 23, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ******* ***** * ********* *** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a
Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint
filed by ******* *****. We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, ******* ***** asserts they
were attempting to obtain a debt consolidation loan and was approached by
someone representing Advance America. ******* states, “After I was ‘approved’ I
was told I needed to pay an insurance on the loan (that would be fronted by the
company) and to raise my credit score, they would deposit it into my account
and I would either take the money and put in into ******* and buy ******* or
would be instructed to buy a prepaid gift card or ***** gift card.” *******
provided a copy of the “Agreement” from “Priority Loan Servicing” with their
complaint.
The communications and loan described above by
*******, did not originate from Advance America. These communications appear to
be part of an effort to defraud consumers, like ******* ***** by falsely
claiming to represent Advance America. Advance America does not operate
brick-and-mortar storefront locations in the state of Georgia, nor does it
offer online services to residents of Georgia. Furthermore, Advance America is
not affiliated with the business name, “Priority Loan Servicing”. Advance
America would never deposit funds into a customer’s account only to request
their immediate return, nor would we request the customer to use “*******” or
use “*******” to repay their loan or for any business purposes.
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
AnalystInitial Complaint
Date:08/13/2024
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 received an email from this Advance America saying I owed 1870.17 for a loan I neber took out.they are threatening to block my Social security number and report me to credit bureaus.I have never taken any kind of loan from this company.they are filing this court case in *** ***** and I live in *********.please stop them contacting meBusiness Response
Date: 08/22/2024
August 22, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: **** ****** * ********* *** ********
Dear Cindy:
Purpose Financial, Inc. f/k/a
Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint
filed by **** ******* We have thoroughly reviewed and appreciate the
opportunity to respond.
In the complaint, **** ****** states, “I
received an email from this Advance America saying I owed 1870.17 for a loan I
neber (sic) took out.” **** further states, “they are threatening to block my
Social security number and report me to credit bureaus.” **** asserts they have
never taken a loan from Advance America.
The communications and loan described above by
****, did not originate from Advance America. These communications appear to be
part of an effort to defraud consumers, like **** ****** by falsely claiming to
represent Advance America. Advance America would never threaten a customer with
legal action that could not lawfully be undertaken. Lastly, Advance America
does not operate brick-and-mortar storefront locations in the state of
Minnesota, nor does it offer online services to residents of Minnesota.
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
AnalystCustomer Answer
Date: 08/22/2024
[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:08/12/2024
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.
Advance America has been emailing me harassing me and threatening me with a lawsuit when I have told them numerous times that I didn't get a loan from this company and to stop contacting me. My **** checking account was closed because of Advance America and therefore it is impossible that a loan was deposited into my checking account because my account was already closed. I have responded to these emails from Advance America telling them that I don't owe them money and to stop harassing me and they continue to contact me anyways. They keep emailing me saying they are going to sue me when I don't owe this company money. Kevin W**** continues to harass me and threaten me and althen a new employee named Tiffany emailed me and I told her that I don't owe this company money and a few minutes later Kevin W**** contacts me again harassing me. I didn't get a loan deposited from this company and I don't understand why they continue to harass me and threaten me telling me that they're going to serve me with a court summons about a loan I don't owe. I don't want this company contacting me anymore.Business Response
Date: 08/20/2024
August 20, 2024
Cindy R*****
Better Business Bureau
*** ***** ****** ******* **** *
Greenville, SC 29601
RE: ***** ****** * ********* *** ********
Dear Cindy:
ACSO
of Texas, L.P. d/b/a Advance America (“Advance
America”), is in receipt of a complaint filed by ***** ******* We have
thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ***** ****** states, “Advance
America has been emailing me harassing me and threatening me with a lawsuit
when I have told them numerous times that I didn’t get a loan from this company
and to stop contacting me.” ***** asserts they have attempted to have the email
correspondence stop; however, has been unsuccessful. ***** provided screenshots
of the emails from “Advance America USA”, ****************************************** *** ************************************
As stated in our July 30, 2024, response, after
a diligent search of our records, there were no accounts located using the
personal information provided in ***** ******’s complaint. These communications
appear to be part of an effort to defraud consumers, like ***** ****** by
falsely claiming to represent Advance America. Advance America would never
threaten a customer with legal action that could not lawfully be undertaken. Advance
America is not affiliated with the business names, “Advance America USA”, “Cash
Net USA”, nor “Fast Cash Loan Services”. Lastly, Advance America employees do
not utilize email addresses on the domain, ***********” for business purposes.
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 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:08/12/2024
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.
On 8/6/2024 I submitted requests for a $1000 loan via on-line search, I received a call/text from a Mrs. Sophia from American Advance , she informed me that , “You will receive a call from Mr Mike (714-845-7224) in 15 minutes ”
I was in negotiations of the loan process where Mr. Mike says that American Advance had deposited funds in my account in the amount adding to $500 and he would send me the information to send that back , at which time they would send me the requested $1000. In the process of my asking why would they just not send what they approved me for my chase bank calls , I asked the representative Mr. Mike to hold , the bank rep. says they detected fraudulent activity on my account, Mr. Mike did not hold he hung up and began to text me threatening message saying that I stole money from them and they we’re sending someone to my home. Then the original representative Ms. Sophia text me saying that it was being said throughout her office that I stole money from Mr. Mike.
I’m not sure what happened but the initial deposit said $270.01 for three deposits which should have equaled $810.03, but it only balances in my account at $500.
Well my bank deemed it fraud as returned by bank as altered fraud. Resulting in my account being overdrawn $310.03 .Business Response
Date: 08/19/2024
August 19, 2024
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 ****** ***** We have thoroughly reviewed and appreciate the opportunity to respond.
In the complaint, ****** **** asserts they
applied for a $1000 online and was told that $500 would be deposited into their
account and they would have to provide those funds back. ****** states, “…Mr.
Mike did not hold he hung up and began to text me threatening message saying I
stole money from them and they (sic) we’re sending someone to my home.” ******
provided screenshots of their bank account along with the altered check with
their complaint.
The loan and communications described in the
above complaint did not originate from us, Advance America. These
communications appear to be part of an effort to defraud consumers, like ******
Reed by falsely claiming to represent Advance America. Advance America would
never operate under the conditions described in the above complaint, to deposit
funds into a customers account only to request their immediate return. Lastly,
Advance America does not offer loans larger than two hundred fifty-five dollars
($255) in the state of California.
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 California,
LLC, under any applicable laws,
statutes, or procedures.
Sincerely,
Ally P*****
Senior Compliance Governance & Risk
Analyst
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