Business Profile

Financial Services

Advance Financial

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Complaints

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

Customer Complaints Summary

131 total complaints in the last 3 years.
61 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/08/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
It appears someone got a loan from this company using my name and social security number and my old address at *********************************. But their email and employment information.
Business Response
Date: 05/20/2025
Dear ******

Advance Financial 24/7 (Advance Financial) has received your complaint filed with the Better Business Bureau (BBB). We take all complaints seriously and would like to help you resolve this matter.

Thank you for contacting us regarding this concern. We take identity theft seriously.

Please be aware, although your complaint indicates an account was opened in your name
under a previous address on ******************************************************, we have no records confirming the existence of a line of credit. However we located an application in our system after reviewing the information provided, including the name, Social Security number, and address **********************************. In response to your claim, we have withdrawn the application and placed a block on the account to prevent further activity.

For your security, we strongly recommend changing any passwords associated with your accounts.

Please contact us at ************ if you have additional details or need further assistance. Were here to help.
Initial Complaint
Date:05/06/2025
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.
On April 16, I was served with legal documents at my residence by a sheriff, indicating that I owe a balance of $3,630.84 on a Flex Loan Agreement with Advance Financial. The total amount listed, including attorneys fees of $1,210.28 and court costs, is $4,841.12. Total amount being $5,197.16 Following the instructions on the documents, I contacted Cheadle Law to arrange a payment plan. During that conversation, I was asked what I could afford, and I proposed a monthly payment of $215. However, when I followed up with Advance Financial directly, I was informed that there are actually two separate profiles associated with my name, and the total amount owed on file is only $796.I called Cheadle Law again today to request documentation that outlines the debt owed to Advance Financial, including a breakdown of the charges and account details. They informed me that they were unable to provide any documentation.I am seeking clarification regarding the discrepancies in the amounts reported. I would like to receive official documentation detailing the origin of the debt, the amount originally borrowed, the payment history, and the total due. At this time, I am being asked to make payments without having received any clear explanation or supporting documents, and I want to ensure transparency and accuracy in what I am being held responsible for.
Business Response
Date: 05/15/2025
The Company is in receipt of this complaint and have reviewed the account details. We see only one active account that has been assigned to Cheadle Law Firm. Please contact their office at ************ to discuss validation of this debt and arrangements for payment.
Customer Answer
Date: 05/19/2025

I am rejecting this response because:
Thank you for following up regarding my complaint against Advance Financial (Complaint ID *********.
I have reviewed the companys response and do not find it satisfactory.
I am rejecting this response because: While they acknowledge one active account assigned to Cheadle Law Firm, they failed to address the core issue of my complaintthe discrepancy in the debt amount and the lack of documentation validating the total amount being pursued.
Despite my direct request, Cheadle Law Firm has refused to provide any documentation detailing the origin of the debt, the payment history, or how the total balance of $5,197.16 was calculated. When I contacted Advance Financial, they stated that their system only shows a balance of $796, which significantly conflicts with the amount being pursued through legal action.
I am not asking to avoid responsibility. I am simply requesting a full debt validation in accordance with my rights under the Fair Debt Collection Practices Act. Before making any payments, I need:
A breakdown of the original loan amount, fees, interest, attorneys fees, and court costs.
A record of any payments made and how they were applied.
Clarification on the discrepancy between the $796 balance reported by Advance Financial and the $5,197.16 figure referenced in court documents.
Confirmation that there is only one account associated with my name, and a formal explanation if there was ever a duplicate profile.
I remain willing to resolve this matter, but I cannot proceed without clear and transparent documentation. I respectfully request that the BBB keeps this case open while this matter is investigated further and documentation is provided.
Sincerely,
****** Tripple Sincerely,

****** *******
Business Response
Date: 05/24/2025
The Company is in receipt of this complaint and the requested documents have been emailed to Ms. ********
Initial Complaint
Date:05/06/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been reaching out to this company for the last two months. Each time I call the agents are very dismissive of questions and cuts me off saying I just need to pay more money. I took out a $750 loan back in August. I have been paying almost $300 to get this loan paid down. I have reached out to get a repayment plan or payout. This company wants me to pay ******** dollars as today as a pay off. Not to mention I have already been making payments. But they are saying I have an available credit of about ******* which is crazy. This is the biggest scam of all time. I am willingly to pay $450 or $500 to close this account out of take to court. These actions by this company is extremely predatory. Total rip off, how is the a credit line of the same amount your saying owe. When there are withdrawals twice a month. The time I dont pay they will try and **** Which is crazy. I need this handled o dont have nowhere extra to pay.
Customer Answer
Date: 05/13/2025
Good morning,
Reaching out to see if there are any correspondents to the complaint.
Business Response
Date: 05/15/2025
The Company is in receipt of this complaint and have reviewed the account for accuracy. There have been two withdrawals on this account, $750 on 8/11/2024 and $300 on 1/20/2025. Please refer to the agreed upon Advance Financial Flex Loan Plan Disclosure and Account Agreement, specifically Interest and Customary Fees, Minimum payments due and Application of payments sections of the agreement. Only the minimum payment due has been paid on each billing cycle. There is no settlement offer available.
Customer Answer
Date: 05/27/2025

Complaint: 23293288

I am rejecting this response because: The initial loan was done in August for 750 then I withdrew $300 in January. Outside of that every 2 weeks a payment has been taken out of my account since August. In fact, a payment came out last week. How is it that you say a credit increase but want allow a settle payment. This is not legal this company is scamming and reaping people off. I need this settle so they can stay out my account. I will be paying them 4xs what I borrowed. I have paid back what I borrowed.

Sincerely,

Tri ******
Customer Answer
Date: 06/06/2025
The information is incorrect. I only did once withdraw which once in January for 350. The initial loan was August. This company is a big scheme. I have been paying on this loan since August after I got the loan. ****** is taking out my account every two weeks.
Initial Complaint
Date:05/01/2025
Type:Order 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 the debt with Advance Financial, I do not have a contract with ****** AI they did not provide me with the original contract as I requested.
Business Response
Date: 05/10/2025
The Company is in receipt of this complaint and have reviewed the account details. The account has been placed with a third party collection agency. Please contact their office at ****** AI, *********************************************, ***************** or call ************ for account details and payment arrangements.
Initial Complaint
Date:05/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
if it not bad enought they charged me $700 for one month of a loan then they pull the whole amount from me on 4/30.25 made me believe that they would then reloan me fudns after they got their money then they never loan me the money back they just give me rebuttles while they made 700 for *********************************************************************************************************************************** to get their full payment then wouldn't even let me borrow it again, that was a bad investment i made with a company hat scammed me to believe they were not going to charge that much interest nor would they correct this issue took all my money nowi am in a financial hardship
Business Response
Date: 05/10/2025
The Company is in receipt of this complaint and have reviewed the account. Mr. Hunt opted to pay his balance due via ACH payment. The option of payment results in a waiting period before being able to readvance, allowing the payment to clear. There are multiple documented conversations where the Company's agents explained this process. The payment that was made by Mr. Hunt on 4/30/25 was returned to the Company, unpaid, on 5/6/25. There remains an outstanding balance on this account that Mr. Hunt will need arrangements to pay.
Customer Answer
Date: 05/13/2025
Complaint: 23271890

I am rejecting this response because:

Sincerely,

Travis Hunt

No i have not paid that balance and that balance was not paid because i never received the funds and they tried to pull 1900 from my account which I stopped the payment because they knew i never received the funds, and never even stopped the increasing of the loan, they still continued to make it increase knowing I never received the funds so no that payment was not paid because their disclosure states if their was a error in the transfer to notify af and they would correct it and that they never did so it wasn't paid that account is now closed and they do not have their payment because I never received one ...
Business Response
Date: 05/24/2025
The Company is in receipt of dispute to the Company's response. The withdraw was funded to debit card ending in 3618. This card was chosen by Mr. Hunt when the withdrawal was completed online. The payoff for $1964.79 made on 4/30/25 was also initiated by Mr. Hunt then returned by his bank. Please contact our office at 615-341-5900 to discuss repayment of this loan.
Customer Answer
Date: 05/29/2025
i told them from the beginning i never received the funds and they knew this they even asked me for my bank statement, now under their policy, states that if they funds were not received they the funds so nothing is owed to them because the knew this from day 1 that i never received these funds and they knew this and even investigated this they also told me that they they froze the amount of the loan amount while the investigated this issue instead they kept increasing the loan as if i had received it, but if they don't correct this and follow their policy which states if they made a mistake they have to pay the amount and the interest because they new my account was closed for fraud, on it during the time the loan was supposed to be deposited, and if they don't correct this and follow their policy then i am going to file arbitration for the amount they are saying i owe and i will file it for the same amount they are fraudulently saying i owe and make them pay me for the same amount or double since they acting like they didn't know i never received the funds, and they are not following their policy pertaining to this issue cause first thing they should have been removed this amount and for them to not follow any of their policy is making me want to file a arbitration for 25k and i will do if they don't correct this

Complaint: 23271890

I am rejecting this response because:

Sincerely,

Travis Hunt
Business Response
Date: 06/17/2025
The Company is in receipt of this dispute. Mr. Hunt made no mention of not receiving funds from the withdrawal until he processed the ACH payment, in full, and was not authorized to withdrawal the funds again the payment had cleared. Once told he could not immediate reborrow, Mr. Hunt advised our agent that he would file a charge back with his bank. There is, now, a balance due on the account due to this charge back. Collection activity will continue on this balance.
Initial Complaint
Date:04/29/2025
Type:Product 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.
Applied for and accepted a loan i was approved for. Never deposited my money. Called 3 times. First was told processing about 2 hours to get money. Call two I see it's still processing, it will be ***** hours. Next day no money 3 phone calls they terminated my call for no reason twice when I asked for manager. Still unresolved, no money. 2:03pm Tuesday, April 20, 2025
Business Response
Date: 05/10/2025
The Company is in receipt of this complaint. The original withdrawal taken on 4/28/25 was turned to the Company on 4/30/25 due to unable to transfer. All fees were voided at that time. ON 4/30/25 Mr. ***** attempted another withdrawal that was returned again to the Company due to unable to fund the card provided by Mr. ****** Also, on 4/30/25 Mr. ***** opted to send the funds via ACH to his bank account. Since that withdrawal there is been a payment completed by Mr. ****** The Company considers this issue to be resolved.
Initial Complaint
Date:04/28/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Apparently someone is filing a fraudulent application and using my legitimate email address. I tried to email and contact someone at the company to request that they remove my email address from the file for ***** ********* who is not associated with me at all. My email is legit and is not to be involved in this ******* one has been able to help me and all I ask is that my email is removed from her application and your files and never to contact me. Thank you.
Business Response
Date: 05/15/2025
The Company is in receipt of this complaint and have located an application with this email address that does not belong to Ms. ************* The email address has been removed.
Customer Answer
Date: 05/16/2025

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.

Sincerely,

***** ******
Initial Complaint
Date:04/25/2025
Type:Product 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.
4/13/2025 Got an email from this company that I filled out an application. I didn't fill out an application, my identity had been compromised. I have contacted this company multiple times via email, phone and even ******** to cancel this application and flag it as identity fraud. Not one time has anyone reached back out to me.
Business Response
Date: 04/26/2025
The Company is in receipt of this complaint. Based off of the information provided (email/phone number) we are unable to locate an application. ************** would like to provide the last 4 digits of *** and DOB the Company would be happy to attempt to locate an account.
Initial Complaint
Date:04/22/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company apparently mistakenly gave me 2 lines of credit, I was unaware of 1 of them. I have tried to talk to them, I have sent in writing 2 revocations of ACH and bank account permissions, but again today since debit card was shut off, they took out of acct with an electronic check. I had asked why I had 2 and said they would get back in touch however they did not after 2 weeks of waiting. Very high interest predatory lines of credit. I will incur $90 of returned items and the $68 of the unauthorized payment.
Business Response
Date: 05/01/2025
The Company is in receipt of this complaint and have reviewed the accounts. Mr. *** has two open lines of credit because he applied using two different social security numbers, but using the same phone number, date of birth and email address. On one of the profiles a debit card in the name of ********* ***. There is no record of a request for revoke until 4/26/25 which has been processed on both accounts. Mr. *** will now need to make manual payments on both accounts.
Initial Complaint
Date:04/11/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for a loan with Advance Financial 24/7 and was approved for $1000. The money was sent to my old bank card that was on file when I applied about a year in a 1 1/2 ago, which was rejected because it was an old card that I didnt have anymore. I was informed the money was sent to the bank account on file because the payment was sent to a non working card. Once I never received the payment I reached out and have been getting the run around and different stories since. I was told my routing number was wrong and they were waiting in my bank to reject the payment. Ive spoken with my credit union twice, and I was told they never rejected or received anything from Financial Advance. I sent my ********** statement and screen shots of my transactions for this month and Ive not heard anything. I requested this money almost a month ago, sent proof that I have not received it, and my problem has not been solved so I can have the loan sent the bank card I updated in their system. I keep getting different time frame and day for the problem to be solved, it seems like Im being told whatever to get me off their phone line. I just want to get access to money that is showing in their system that *** received but havent received. The interest is steady growing and I dont have the loan.
Business Response
Date: 04/21/2025
Dear ******** *******
Advance Financial 24/7 (H32******34**38383138H) has received your complaint filed with the Better
***************. We take all complaints seriously and would like to help you with resolving
this matter.
According to our records, you obtained a line of credit with a credit limit of $1000 from CC Flow
on March 24, 2025. ******* is a division of ********************** (******), a **********-
chartered bank with the ************************************* as its primary federal banking
regulator. H32******34**38383138H is an authorized servicer for CC Flow lines of credit.
After receiving your complaint, we conducted a thorough investigation of your account and
outlined our findings below.
On March 24, 2025, you signed your agreement with CC Flow for a line of credit with an initial
credit limit of $1000. According to our records, you initially withdrew $1000.00 on March 24,
2025 via ACH. In the following days, you called us to request an update on the timing of funding
and you were advised funding could take up to 2-5 days. On March 29, 2025, you called in to
inform us that you had not received the $1,000 deposit. On that call, we provided you the
routing and account number that you entered during the application process and you confirmed
that it was not, in fact, your correct banking information. At that time, we advised you that the
funds could not be reissued until that transaction returned and that it would take 7-10 days for
the transaction to return. Unfortunately, we do not have any control how long it takes for a
H32323130****333136H institution to return a transaction, and it was not received until April 17, 2025. We called
that day to inform you that the transaction returned, and you requested a withdrawal of $100.00
via debit card. You confirmed receipt of the $100.00 funding still on the phone with the agent.
Subsequently, you withdrew the remaining $900.00, and we trust that funding has been
received.
We apologize for any inconvenience you&#**;ve experienced regarding your funding and the related
account activity. As a demonstration of our commitment to fostering positive relations, we have
waived the $67.76 Billing Cycle Charge due to the delay. We trust that this resolution reflects
our dedication to your overall satisfaction.
Please let us know if you have any further questions or if there is anything else we can do to
assist you. You may reach us at **************. We value your trust and appreciate the
opportunity to make this right.

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Advance Financial is NOT a BBB Accredited Business.