Business Profile

Financial Services

Advance Financial

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

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

Customer Complaints Summary

133 total complaints in the last 3 years.
62 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:04/10/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is my formal request to address and resolve the account currently listed under CC Flow / Amiga Services on my credit report.I believe this account reflects predatory lending practices that have caused significant financial harm and hardship. The loan terms include excessive bi-weekly fees (disguised as "Billing Cycle Charges") which have resulted in a cycle of debt despite my consistent payments.This account has directly contributed to a noticeable decline in my FICO score, limiting my ability to access fair and affordable *********** Opened: 07/14/2023 Current Balance: $5,414.68
Business Response
Date: 04/18/2025
Dear Mr. ************* have received your complaint filed with the Better Business Bureau regarding your line of credit from ** Flow, a division of ********************** (******). ****** is a Utah state-chartered bank with the ************************************* as its primary federal banking regulator. Advance Financial is an authorized servicer for ** Flows lines of credit. We have fully investigated this matter, and our findings are set forth below.
On or around July 14, 2023, you obtained an unsecured line of credit with a credit limit of $2,636 from ** Flow, a division of ******. The ** Flow line of credit is an open-end credit product, which means that time for repayment of the total balance on the account will fluctuate based on a customers individual use. As an open-end credit product, this is not a fixed term loan. This line of credit does not accrue traditional interest; instead, customers are charged a set Billing Cycle Charge that varies depending on the amount of principal outstanding on the account during a given billing cycle.
According to our records, you made an initial withdrawal of the entire credit limit of $2,636 on July 14, 2023, and have made a total of 24 withdrawals totaling $12,992.63 since the account has been open. You have made a total of 32 payments on the account totaling $18,316.84, and the current balance on the account is $5,962.33 consisting of $3,550.16 in Outstanding Principal Balance and $2,393.24 in Billing Cycle Charges and $18.93 in Late Fees.
We have confirmed all payments on your ** Flow line of credit were properly applied in accordance with your agreement. According to our review of your draw and payment history, your account balance is directly attributed to the consistent draws you made on the account and subsequent failure to make all of the required minimum payments. According to our records, 9 of your payments returned (for a total of $4,510.68). As a reminder, for ** Flow lines of credit, payments that become due are solely a reflection of the principal balance consistent with the cost table in the ** Flow line of credit agreement. Missed or returned payments, along with consistent withdrawals, will result in higher balances.
In response to your predatory lending claims, please be aware the ** Flow line of credit is designed to provide customers who have little or poor credit histories an opportunity to solve short-term financial needs with credit reporting. This product provides customers the opportunity to establish or build their credit with the goal of transitioning to more mainstream financial products. Moreover, please be advised there are no limitations imposed on the charges associated with a ** Flow Line of Credit. Pursuant to 12 U.S.C. 1831d, ****** may rely on the interest rate authority of Utah and export this rate into other states. Under Utah law, there is no maximum rate or charge established for loans, and the parties to a consumer credit agreement may agree for payment of any finance charge and other charges and fees. However, customers who want to save money are encouraged to pay early, pay often, and pay more than the minimum amount due. By paying more than the minimum, customers can reduce the total cost of borrowing over time. In addition, customers may pay off ** Flow accounts at any time, as ** Flow does not charge prepayment or early payoff penalties.
In response to your claim that the terms of your ** Flow line of credit were disguised, our investigation confirms that the terms of your ** Flow line of credit (including a detailed breakdown of the Billing Cycle Charges and Minimum Principal Contribution portions of the Minimum Scheduled Payments) were clearly and conspicuously displayed in your ** Flow line of credit agreement in accordance with the federal Truth in Lending Act. The agreement also contains a high cost credit disclosure in bold print, which states in pertinent part: This is an expensive form of credit. It is designed to help customers meet short-term borrowing needs. It is not intended to solve long-term credit needs. Other credit options may be less expensive. We confirmed that your agreement was provided to you for your consideration prior to the agreements execution and account origination, and notwithstanding the conspicuous terms of borrowing set forth by the agreement and cautionary disclosure, you chose to proceed with your line of credit and made your first withdrawal of the entire credit limit amount on July 14, 2023.
In response to your request for a correction to your credit report, we have reviewed and confirmed that the data furnished to the credit bureaus on behalf of ****** is accurate. As such, your request cannot be accommodated consistent with the obligation for complete and accurate information to be provided to credit reporting agencies under the Fair Credit Reporting Act. Nevertheless, in acknowledgement of the instant dispute, a request has been made for the account to be listed as disputed. Consumer reporting agencies may take up to 30 days or longer to update reports and this is beyond our control. We request for you to let us know if you are no longer disputing the account so that we can update the status.
In closing, we hope to have helped clarify the account details and terms of your ** Flow line of credit. We regret to learn you may be dissatisfied with your line of credit, and we would like to work with you to reach a mutually agreeable resolution. Please call us at ************** so we may discuss the options available to you. We value your trust and appreciate the opportunity to resolve this matter.

Customer Answer
Date: 04/22/2025

Complaint: 23185350

I'm rejecting the response because no settlement offer or resolution has been made. I have followed up directly with the company in writing and am awaiting a response to my request for settlement and closure of this account.

Sincerely,

*********** ******
Business Response
Date: 05/02/2025
Advance Financial Response BBB Complaint ID #********
Consumer: *********** ******
Account #: *******
*********************************************** has received your follow-up to our earlier
response filed with the Better Business Bureau regarding your line of credit serviced on
behalf of *******, a division of ********************** (******), a Utah state-
***************
As an authorized servicer, we take your concerns seriously and appreciate your
willingness to resolve the matter amicably. Our internal review confirms that, while you
have paid a total of $18,705.76, you also withdrew $12,992.63 from your CC Flow line
of credit. Your current account balance stands at $5,932.58 and is currently 77 days
past due.
After reviewing your request to settle the account for $1,000, **********************
is committed to working with you to reach a mutually agreeable resolution.
Please contact our office at ************** or reply in writing to finalize the terms and
initiate the settlement plan. We believe this could offer a fair and flexible path forward for
both parties.
Sincerely,
Advance Financial Compliance Team
**********************************************************
Customer Answer
Date: 05/13/2025

Complaint: 23185350

I appreciate Advance Financials willingness to work toward a resolution and reiterate my intent to settle the account. I am offering $1,000 as a full and final settlement. I respectfully request written confirmation that this payment will satisfy the account in full and that the account will be reported to credit bureaus as Paid in Full or Settled. I am ready to proceed with payment once terms are confirmed in writing.

Sincerely,

*********** ******
Initial Complaint
Date:04/07/2025
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.
To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ********************** BANK Account number: ****** Account balance: $465.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.
Business Response
Date: 04/08/2025
The Company is in receipt of this complaint and have reviewed. There have been multiple authorized payments on this account. Mr. ****** needs to contact **************, *********************************************, *****************, or call ************ to discuss the account.
Initial Complaint
Date:04/01/2025
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.
When I walked into this place, I thought I was lucky to find a place that was willing to advance me the amount of money that Ineeded so quickly however, the terms were not properly explained to me when I first borrowed money from this company. They said my monthly payment would $180 a month. It went from 180 to 309 theyve consecutively taken out more than $1000 a month out of my bank account. To this day I owe three times as much as I did when I walked in there and I been paying them for almost a year!!!!!! Its impossible to get this loan paid off because they wont let you apply any money towards the principal when your payment is behind and with the payment as high as it is, you cant help but be behind. This place takes advantage of disabled veterans and anyone thats on a fixed income because they know if they make the monthly payment so high that a person can barely make it, that they can apply any extra money to the principal, which means theyll have to go the full term of the loan, two years. This is the worst place to borrow money from when youre in a pinch, because they absolutely 100% take advantage of you being in a bad spot financially
Business Response
Date: 04/08/2025
The Company is in receipt of this complaint and have reviewed the account to ensure that Mr. ***** was provided the terms and conditions of this loan. We have also confirmed that the Annual Percentage Rate was clearly disclosed to Mr. ***** that includes the following statement - This is an expensive for of credit. Only borrow what you can afford to pay back. There is no grace ************* Interest and fees will be charged every day you keep the money. We recommend you pay more than the minimum payment due. Making only the minimum payment due will result in more interest and fees and take longer to pay your balance. We recommend Mr. ***** make his payments on time and pay more than the minimum payment due in order to lower the principal balance.
Initial Complaint
Date:03/18/2025
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.
This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. 12 ADVANCE FINANCIAL ACCOUNT no.: ***** DATE OPEN: 07/09/2021 BALANCE: $7,397.00
Business Response
Date: 03/20/2025
Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance. Call ************ or email *************************************
Initial Complaint
Date:03/04/2025
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.
On or around 1/20/25 I received an email from Advanced Financial stating that my information had been updated. I received an additional email stating that the line of credit was successfully processed in the amount of $3,055.00. I went to the local ***** branch to inquire what was going on. They looked in the system and told me that all my information was changed. I have made numerous attempts to resolve this issue but Advanced Financial continues to tell me they will look into it and call me back. As of this date, nobody has called me and no resolution has been completed. Advanced Financial has attempted to withdraw payment directly from my account even though I have provided enough documentation to prove that it was not me who withdrew the money. Each time that I call them I speak to a different person. My goal is to actually get a valid response from Advanced Financial.
Business Response
Date: 03/13/2025
The Company is in receipt of this complaint and have reviewed the account. Mr. ***** advised that we would be contacted by Detective ******. When contacted, the detective advised that Mr. ***** needed to file a police report in *********, *** As of the date of this complaint, that has not happened. Once contacted by law enforcement, we will comply with their request and provide all information on the account.
Initial Complaint
Date:03/02/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I submitted my financial information for a loan, and was told i was approved for a $580 cc Flow Line of Credit, but when I click Ok to accept the terms of the loan, the site just cycles and nothing appears. When I try to call the customer help number, it disconnects, There are 3 separate telephone numbers, all of which disconnect or are dead numbers. This company is a collecting personal financial information and probably committing identify fraud with the information. This company is not issuing loans, and needs to be investigated for criminal activity.
Business Response
Date: 03/13/2025
Advance Financial 24/7 (Advance Financial) has received your March 3, 2025 complaint filed with the Better Business Bureau (BBB). Advance Financial is an authorized servicer of CC Flow, a division of ********************** (******), a Utah state-chartered bank with the ************************************* as its primary federal banking regulator. We take all complaints seriously and have fully investigated this matter.
According to our records, you applied for a CC Flow line of credit on March 2, 2025. However, due to a system error, the loan documents did not populate during your application process, which we understand may have caused a less than satisfactory customer experience. We apologize for any confusion or inconvenience you may have experienced as a result of the system error; however, we have confirmed that following a March 3, 2025 phone call in which you notified us of the issue, a servicing agent initiated a review of your application and submitted it for a decision to be approved or declined. Your application was subsequently approved by CC Flow on March 4, 2025. The same day, you successfully signed the agreements and accessed your funds.
We regret to learn that we did not meet your expectations with respect to the application process; however, we trust that this issue has been resolved. We pride ourselves on customer service, and we hope to exceed your expectations in the future.
As always, if you have additional questions, you may reach us by phone at **************.
Initial Complaint
Date:02/28/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My billing amount was shown for payoff since it was at the very beginning of the billing cycle. I paid the full amount. Then I just received a bill for an extremely high amount and it doesn't even add up. Look at the bill and do the math. They say I owe 500 something still but even if I didn't pay it off the previous payment it doesn't add up the total would only be 200 something and the math doesn't add on any bills. I want this fixed and closed. This company should not be allowed to do business when they rip people off and lie about amounts owed.
Customer Answer
Date: 03/03/2025
So I made my payment on the 30th actually 2 separate payments which they applied the 31st but didn't actually apply it for 2 biling cycles so they could add interest longer. So I paid the total due on the account the actual payoff amount on the account. On the bill it said 2740 and some change due and I actually paid the payoff amount of 2780 and some change which on the site said my new due was 0 but then they added interest the next month and didn't apply my payment to that bill they didn't apply my payment until the bill due february 28th so they could double the interest. When I paid it off they would have actually owedd me 44 dollars if it went by statements.
Business Response
Date: 03/13/2025
Advance Financial 24/7 (Advance Financial) has received your March 3, 2025 complaint filed
with the Better Business Bureau. Advance Financial is an authorized servicer of CC Flow, a
division of ********************** (******), a Utah state-chartered bank with the Federal
***************************** as its primary federal banking regulator. We take all complaints
seriously and have fully investigated this matter.
Our review of your account as of the date of this complaint confirms the following facts:
You obtained a line of credit with an original credit limit of $2,500 from CC Flow September 17,
2024. You made four draws on the account ($1,350 on September 18, 2024; $150 on September
23, 2024; $1,000 September 24, 2024; and $543.35 on December 19, 2024). You made eleven
total payments on the account totaling $4,710.90, which included a payment of $2,500 on
January 31, 2025.
Based on our review of your complaint, where you indicate a payoff amount was shown on
your statement, we think you may be confusing the way in which the billing cycle operates. To
provide clarity, as an open-end credit product, a CC Flow line of credit is not a fixed term loan,
and the terms for repayment of the total balance on the account will fluctuate based on a
customers individual use. This line of credit does not accrue traditional interest; instead,
customers are charged a set billing cycle charge that varies depending on the amount of principal
outstanding on the account during a given two-week billing cycle, as disclosed in CC Flows line
of credit agreement.
Periodic statements are provided to consumers on a bi-weekly basis and reflect billing cycle
charges that were accrued for the billing cycle that occurred prior to the date of the statement. In
other words, your January 31, 2025 periodic statement reflected charges for the cycle that ended
January 30, 2025 (and began January 17, 2025). January 31, 2025 (the date of the statement)
represents the first day of the next billing cycle. This means if there is an outstanding principal
balance on the account, a billing cycle charge will be applied based upon the balance that is still
outstanding, and it is subsequently reflected in the next periodic statement. Consequently, the
New Balance on your periodic statement is not reflective of a payoff amount, which we
believe may have caused your confusion.
In this case, your January 31, 2025 statement reflected a New Balance of $2,979.49, which
represents the total account balance as of the preceding day, January 30, 2025. On January 31,
however (absent any payments), the actual account balance would reflect a higher number, since
January 31, 2025 marked a new billing cycle and corresponding billing cycle charge.
Accordingly, your January 31, 2025 payment of $2,500 was applied for the billing cycle period
from January 17 January 30. Specifically, the $2,500 payment was applied to the billing cycle
fee of $235, with the remaining $2,265 applied as a principal reduction, bringing your balance
down on that date to $434.13. This balance is shown as the New Balance on your subsequent
February 14, 2025 statement (which, based on the foregoing, was for the billing cycle from
January 31 February 13). We would like to clarify that you were not charged an additional
$500 as you indicate in your complaint. The $434.13 is simply the account balance for the
January 31 February 13 billing cycle.
We apologize for the frustration you have experienced; however, we hope the above explanation
clears up any confusion you may have with respect to your account balance and periodic

statements. We pride ourselves on customer service, and we would be happy to further explain
this process or answer any other questions you may have. As always, you may reach us by phone
at **************.
Customer Answer
Date: 03/14/2025

Complaint: 23001274

I am rejecting this response because:

Sincerely,

**** ******
Customer Answer
Date: 03/14/2025
It wasn't the amount on the statement it was the payoff amount showing online when I paid. And I didn't just make 1 payment on the 30th that showed on the 31st but two payments on that same day. Not only that a couple billing cycles went through before it was actually shown on the statements as well which can be seen if you take the time and look through the documents I sent. Thank you for your time and please fix this.
Business Response
Date: 03/20/2025
Please see the attached response
Customer Answer
Date: 03/27/2025
So when I paid off my account, I used the website and it showed just like this one. Now when it says payoff amount that should be it. Payoff means pay off and I made the first payment and then later that same day went back in and it told me the payoff amount which I paid in full. I understand they are showing statements, but I am not going by those I am going by what is actually stated the way I pay my payments and bill.
Customer Answer
Date: 04/10/2025
You have on there two statements in a row on the 17 and 31 reflecting no payments between but where you just continuously add interest. Yet the statement for the 17th isn't due until the 31st and you did this a couple times before that so you could add more interest eventhough the payments wasn't even due yet. You cannot add more interest on the cycle the same day the payment is due and just add more interest. When I made my payment there wouldn't have been that next cycles added interest yet so the payoff would have been complete but instead you added more interest. I paid my payoff on the account website where it said payoff amount to pay it in full not from what my statement said this was paid off and you owe me my continued payments back. Please fix this. Next step if this can't be fixed with the bbb will be court. Illegal interest fees and not applying payments that are paid before due date where you send out the next billing before the payment is actually even due and it shows with everything you sent in to the bbb
Business Response
Date: 04/11/2025
We have received your additional rebuttal to our response filed with the BBB. We take all complaints seriously and have further reviewed your concerns to provide additional clarification. Our investigation has confirmed that, at all relevant times, your customer portal has accurately displayed the payoff balance for your account. On January 31, 2025, your payoff balance was $3,214.49. As a result, your January 31, 2025 payments of $2,500 and $280.36 (totaling $2,780.36) did not pay your account in full. At this time, your payoff balance is $478.84 and is correctly displayed in the portal. **************** is our priority, and we regret to learn you have been anything but satisfied with your recent experience. As a courtesy, the remaining balance on your account will be waived and your account will reflect as paid in full.
Initial Complaint
Date:02/12/2025
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 and was approved for ******* I verified my bank account information also provided my paycheck stubs. I never received the ******* they deposited the money into someone elses account and refuse to help me. They are a bunch of scammers
Business Response
Date: 02/23/2025
Dear Ms. ********************************* (Advance Financial) has received your complaint filed with
the Better Business Bureau (BBB). We take all complaints seriously and would like to help
you with resolving this matter.
According to our records, you submitted an application for a CC Flow line of credit on
February 10, 2025. ******* is a division of ********************** (******), a **********-
chartered bank with the ************************************* as its primary federal banking
regulator. Advance Financial is an authorized servicer for CC Flow lines of credit.
Our investigation into your complaint has confirmed the following facts:
On February 10, 2025, you submitted your application for a CC Flow line of credit.
During the application process, the bank account you directed for the funds to be sent was a
**************** account, ending in 3995. Your application was approved the same day, with a credit
limit of $1,000. On February 10, 2025, you requested a withdrawal of the credit limit in the
amount of $1,000. On February 10, 2025, the funds were submitted by ACH for deposit into the
account on file (ending in 3995).
In response to your claim that you did not receive funds, we have confirmed that funds
were deposited into the account verified to be owned by you during the application process.
According to our records, during the application process, you took two affirmative steps to
confirm your banking information, which matches the account that was funded (****************
ending in 3995). Our technical team was able to confirm that first, you entered your account
number manually on the online application. The account number entered was the ****************
account ending in 3995.
Second, you verified your banking information via electronic bank verification in
accordance with CC Flows underwriting process. During the electronic bank verification
process, you successfully logged in to your banking institutions online account using your
online banking credentials. Our review of your account records confirms that pursuant to the
electronic bank verification process, the **************** bank account ending in 3995 was verified
to be owned by you. Indeed, our documentation of the electronic bank verification shows your
first and last name on the **************** account ending in 3995.
Additionally, when your application was approved, and prior to executing the line of
credit agreement, you received a congratulatory message advising you were approved for a CC
Flow line of credit in the amount of $1,000 with the draw amount to be deposited to bank
account ending in 3995. After verifying the **************** account ending in 3995 during the
application process and receiving the message indicating funds would be sent to the same
account, you subsequently signed your line of credit agreement.
Our investigation has confirmed the February 10, 2025 ACH funding process was also
sent to the **************** account ending in 3995, as outlined in the *** Agreement you signed.
However, please note, your initial withdrawal request occurred around 8:00 p.m., causing the
transaction to be sent for processing on February 11, 2025 at 11:00 am. We have confirmed that
those funds have not been returned by your financial institution.

On February 19, 2025, after filing this complaint, you called and advised that the *****
Fargo account ending in 3995 is not yours, notwithstanding the fact that 1) the account number
that was directly entered on the application matches this account and 2) this account was verified
to be owned by you during the electronic bank verification, the documentation of which shows
your name tied to the account. During the February 19, 2025 call, you were advised by a
supervisor to contact ***** Fargo, as our documentation clearly shows the funds were submitted
to the **************** account verified to be owned by you. You responded you have proof the
account is not yours, which you did not provide, and requested for us to cease communication
immediately before terminating the call.

Finally, Consistent with the ***** mandate that complete and accurate information is
provided to credit reporting agencies, your requested resolution for correction to your credit
report cannot be accommodated at this time, as we found the reporting of your account to the
credit bureaus to be accurate.

Consistent with the foregoing, all of our documentation confirms the **************** account
where funds were sent (ending in 3995) belongs to you and that those funds did not return.
However, we would like to continue to work with you in resolving this matter. We encourage you
to contact us by phone at ************** to discuss options that may be available, which could
include a three-way conversation with your bank to clear up any confusion that may exist.
Please be advised that this communication is not an attempt to collect on your account and is
made for the limited purpose of responding to your BBB complaint.
Customer Answer
Date: 02/24/2025

Complaint: 22934084

I am rejecting this response because: I do not own an account ending in 3995. Once I realized the information on the form was incorrect I immediately call and updated my account information to my account which ends in 5433. I was told my information would be updated and it wasnt. I do NOT HAVE AN ACCOUNT ending in 3995. That is not my account. I have spoken with **************** and they have CONFIRMED I DID NOT RECEIVE ANY FUNDS FROM THE COMPANY. They ALSO ASVISED its NOTHING they can do in regards to someone elses account. The company is a **** AND A COMPLETE RIPOFF.

Sincerely,

******** ******
Initial Complaint
Date:02/12/2025
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.
I have contacted them over&over since day 1 of the disaster 01/23/2025 and no one has yet ever helped me. Each call I get day by day only do the representative behind the phone get nastier with me. I provided all of the documents I needed to, to prove my end of the story. AA should gave an IT team that should also be able to trace 1. Yes the funds generated and went thru 2. No the process had a hiccup and failed. AA fraudulently deducted funds they think they are entitled to, however, their false advertisement of quick resolutions is false, only paying what you need is false, and how quickly someone helps a customer is false, everything is false. AA only deposited 100 of the 600 total that is accruing interest every single day. If you need proof, providing a PDF form from the BANKING app of all of the DEPOSITS from the date of original loan -->to current should be sufficient. Screen shots of transactions, of the dates... Should be sufficient and credible proof that there's is no trace of AA deposit of missing funds. I should not have to provide my whole banking statement to AA, proof of deposit is what AA needs and I did so. Someone from corporate or management with access and permission needs to view and cancel/refund/reverse account. Please look over this disaster and please help me get this nightmare over with? Please look at every call log I made, every email I sent, every single call that they said will be recorded for training purposes. I never once yelled, cussed, or demanded ignorantly. I have always asked until I get a bitchy response then I have to go in self defense as well. I have emailed, to which no one gets back to you within 24 hours as falsely advertised and auto responds, I've called over numerous times, at times which I've called all at kinds of days× JUST to have it documented that it doesn't matter, day or night, I never got the help to resolve this disaster in the "timing" quick easy ad AA advertises to lure in suckers like ME.
Business Response
Date: 02/23/2025
The Company is in receipt of this complaint and have reviewed Mr. ****** account. Mr. **** originated his installment loan on 1/23/25 for $500 at that time funds were disbursed to his account in the amount of $500. On the same day 1/23/25, Mr. **** refinanced the installment loan for a new balance of $600. Due to refinancing, $500 of this $600 loan paid off the first installment loan and $100 (the difference) was disbursed to *************** account.
Customer Answer
Date: 02/24/2025

Complaint: 22930641

I am rejecting this response because: I never received the 500 as initially anticipated. Over and over I will repeat, the funds never made it to the account. Yes, it is traced to deposit on their end as I had entered for it to. But it never made it. I am not sure if there was a glitch on their end. I do not owe ******. I have provided sufficient proof of documentation. They should have an I.T team to check. I see them in and out on my bank trying to trace the missing 500. I did not receive it. They already took out 86.** and caused my account to bounce causing me to go negative in which I had tried to prevent.

Sincerely,

*** *.
Business Response
Date: 03/07/2025
This has been resolved and the Line of Credit has been closed
Initial Complaint
Date:02/06/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I recieved two letters from advanced financial saying that I had taken out a loan of $1,200 on 1925. I never took out a loan recieved this money or have ever heard of this company before in my life. I called the companh and confirmed that they had the account in my name with the outstanding balance of *******. I told them that this wasn't me and they said I should call back in ***** hours
Business Response
Date: 02/14/2025
The Company has reviewed this account and removed the debt. This has not been reported to Ms. ******** credit.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Advance Financial is NOT a BBB Accredited Business.