Advance America, Cash Advance Centers, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 95531
Web Servicemember
Advance America ; license number XXXX XXXX ; Store location XXXX : I write, because CFPB is in a position to protect consumers from fraud and abuse. As an average American, we ca n't defend ourselves against the abusive practices that many big companies get away with. _________ I spoke with Advance America 's loan manager XXXX , on XXXX XXXX XXXX and he was able to protect Advance America 's interest by admission and correction of mistakes made by XXXX at XXXX XXXX CA, in regard to the installment loan taken out on XXXX , contract loan ID XXXX . The new contract with corrections is XXXX dated XX/XX/XXXX . However, customer has yet to reconcile on other issues of suspected fraud and abuse. Manager lying to customer, withholding information in regard to loan disclosure ( lack of transparency ) and personal rights, human rights and discrimination violations. These additional corrections are possibly out of the hands of XXXX XXXX control or ability to correct. Possibly some issues are for CFPB and also for Advance America Corporate to fix. Customer asks for reconciliation and compensation as stated herein. ________ 1. Customer seeks a written apology from the manager XXXX , at Advance America in XXXX XXXX , CA, and reimbursement of food costs that he felt forced and coerced to provide ; afraid he would not be allowed proper customer service or a loan. Sometimes customer would give her an additional {$5.00} for lunch from his payday loan cash, which {$45.00} in interest had already been deducted from. Leaving him with {$250.00} on the {$300.00} loan. She accepted the money in replacement of a meal. When she asked where is my food, I would sometimes tell her I do n't have time to go get you food today but you can go get a XXXX XXXX XXXX pizza for {$5.00} and feed the whole office. ________ 2. Customer deserves a written apology due to each past payday loan, when manager ignores customer requests for securing payday loans taken out in the past approximate two years ; not offering and when mentioned, ignoring him and not allowing customer to secure the loans by a written check ; which past two Advance America 's did do. In other words, she violated the law each and every time a payday loan was taken out, by applying ACH to all those loans, regardless of the customers requests not to do it that way. Company should be fined. _________ Customer is a long time faithful customer since about XXXX , starting out at the XXXX and XXXX , XXXX CA store. Always on time. Those stores of past always insisted on a written check for security. This is why he knows there is something wrong with management at XXXX XXXX CA, Advance America. _________ 3. Customer demands written apology for discrimination by XXXX , when she took a snap photo with her phone app, and dressed him like a woman and shared it with XXXX and laughed at him. Making customer feel discriminated against because that is what they thought about him. _________ 4. Customer deserves an additional written apology from XXXX for XXXX shorting him {$10.00} cash upon a {$960.00} payment. XXXX applied {$950.00} on XXXX XXXX XXXX , to the installment loan. Had customer not caught it, then then XXXX and XXXX would have had {$10.00} extra for themselves. Causing customer to suspect extortion and/or, fraud because of the way he has been looked upon, made fun of, manipulated and mistreated previously by manager XXXX in the presence of XXXX ; including asking for food and accepting cash instead, for lunch when customer had no time to go get XXXX food ; and by XXXX allowing XXXX to assign a higher interest loan prior to that payment, then snickering about it, immediately after and then dragging XXXX away, outdoors quickly after the check and contract was handed to customer, etc.. This causes customer to be more suspect than ever, because he feels XXXX is teaching XXXX these bad habits. These two started treating customer differently over the past few months prior. Showing bad attitude and rejection, after customer made a large payment at another AA on a previous installment loan when it was not accepted by XXXX . Customer was also forced to take out a payday loan at another AA when XXXX insisted customers bank account was closed ; causing customer stress and worry and it turned out to be a lie. These are the games customer has been putting up with. Even after that, manager XXXX refused customers new statement of proof of active bank account, when he took it in to prove it was not closed. And, manager XXXX locks XXXX out of taking payments or giving loans while manager goes on break so, only XXXX ( the less experienced and poorly groomed clerk ) could access computer for processing payments and loans. Customer would have preferred XXXX , because of the way he was being treated by XXXX and XXXX , and XXXX is the one with more experience, she is careful, mature and XXXX has not treated customer with disrespect or tricks. XXXX does not ask for food or mistreat customer. __________ Customer holds Advance America and it 's manager XXXX , at XXXX XXXX CA, responsible for these violations of laws, abuses and discrepancies. He knows that she absolutely deceived him by withholding important information and lied to him besides that about refinancing, and had become abusive in different ways as mentioned herein and evasive and unhelpful about issues and requests at times. ___________ Advance America Complaints, has received three previous letters from customer concerning these human rights, personal rights, discrimination, loan law violations, abuses ; coercion, mistreatment, deceptions, possible fraud, withholding information, mistakes, unnecessary delays, rude treatment, gouging, manipulation of loan policy, not allowing a physical check as security, evasiveness, failure of disclosure and transparency, lying, extorting for food and delivery or, payment for food, etc.. These actions indicate probable hidden agenda. The actions are for sure unscrupulous and unlawful activity ; predatory in nature and practice. They are violations of loan and overall human rights, personal rights and public business practice. ___________ Advance America is hereby notified that customer demands reconciliation and compensation in regard to violations mentioned herein. According to law, plaintiff ( customer or consumer ) must inform Advance America and it 's manager in writing, that he will not be held responsible for any attorney fees, court cost, or any other fees involved in this dispute ; however, if Advance America and/or, it 's employee ( s ) wish to pursue this matter further in a court of law, they will be responsible for reimbursing plaintiff for all attorney fees, court costs, travel, lodging, food, time, and any other fees associated with the plaintiffs pursuit of reconciliation and/or, compensation ; in addition to any compensation that may be awarded. Therefore, it is in Advance America 's best interest to work with the fair and willing, long time customer for a solution, and not against him. Advance America is hereby notified that plaintiff has now tried to do everything in his own power to reconcile these remaining issues in fairness and with patience, good will and courtesy to all involved. In order to reconcile, customer demands that within 30 days from the notification of this letter, Advance America demand that manager XXXX at the XXXX XXXX CA, store apologize and admit to all the wrongdoing listed herein " in writing '' and suggest her plan and Advance America 's plan of compensation and reconciliation due to the serious nature of extortion/coercion by request or expectation of favors which cost the customer time and additional funds, and causing unnecessary stress, worry and actions ; including traveling to another Advance America, 68 miles away due to her complacency and other inhumane actions. This request for compensation and reconciliation is to set a precedent for all future Advance America customers and for any possible past ones, who may have fallen victim to the abuses ; due to the severity ; the nature of abuses carried out over a long period of time in various ways. _________ Customer can not trust his local Advance America store manager at this current time. This issue of reconciliation and compensation request is between the customer and Advance America, XXXX XXXX CA, and it 's manager XXXX , at this current time.
07/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • CA
  • XXXXX
Web
I went to this company whom I have a payday loan with to see if I could get more because the {$90.00} fees I'm paying monthly and getting only {$250.00} in return is just not cutting it with my budget. It's a waste of gas, time, effort and money to drive there for this small loan every 2 weeks. The installment loan sounded a lot easier to get and would have given me the cash I needed to get rid of some debts. You complete a simple app, then wait for about XXXX mins. Then verify your info on 2 sheets of paper, sign the same forms minutes later, are asked what payment schedule you'd like, all making you feel like you got the loan because in that 10 minutes, something should've been run through XXXX to be sure it's a go! Well after I confirmed the payment schedule I was immediately declined! Good thing they print the letter to tell you why! None of the reasons make any sense!! I have a rebuttle to all of them! 1. The loan amount is very small, it's barely over {$2500.00}, talk to me when it's $ 5K+! 2. I have a permanent fraud alert with all 3 bureaus, who by the way placed it on there when companies were carelessly losing consumer information years ago. I believe I sent in a total of 5 letters in one year with companies apologies for being irresponsible with my info. The credit bureaus sent me letters stating the fraud alert would remain permanently. They didn't want to have to keep adding it every so many months. I'm OK with it, it slows down the identity thieves from getting to me. I feel protected and refuse to remove them now or ever! That alert has kept my info safe for many years. I have one with XXXX XXXX too. It ain't broke so why fix it? 3. I made $ XXXX last year including bonuses and raises. Not clear on what that was about especially since my pay stub is year to date. My salary is around $ 84K annually not including bonuses and raises. However, no one bothered to confirm that nor did they add my hourly rate to find this out. I'm confused. 4. I live 13 miles exactly from their location! Why was I denied for this? This is ludicrous! So it's OK to give me an expensive {$250.00} payday loan at 400 % + and I don't live too far to drive over there every 2 weeks for that but not for the loan? 5. The claim was I had " too many inquiries in the last 6 months ''. This was all supposedly done through XXXX. I went to my last report that I received on XX/XX/XXXX, I have no recent inquiries on that report for XXXX! In fact I counted 10 that will be dropping off beginning XXXX through the end of the year and another 5 in XXXX! That will clear up all but 1 inquiry left to drop off on XXXX. So they lied! Now to the good part. I was really angry when I left the store. I said nothing except that it was a waste of time and would call Advance to discuss. I called XXXX and forgot the person 's name I spoke to. She claimed to be a supervisor. I don't know how she got that position because she is so credit ignorant it was insulting my intellect to talk to her! I began asking pointed questions during my complaint. She said the distance from the store " must have been more than 30 miles ''. Why would I waste a tank of expensive gas ( {$4.00} per gallon for my car ) in my state to drive that far for {$2500.00}????!!!! I'm not that desperate! I told her my mileage counter said it was XXXX3 miles! She continued to state it had to be more than 30 miles, I insisted it wasn't! I asked what the fraud alert comment meant, she had no clue but tried to answer something she wasn't familiar with. I told her I have alerts on my report but no fraud has ever been committed. I mentioned my income was more than enough to cover the loan. I asked what inquiries had to do with my getting a loan. She had no answer for that either! She said I needed to call XXXX at XXXX because they were the one 's that declined me not Advance America! What??!!! I don't recall XXXX being responsible for lending money to anyone! Last time I checked they're a bureau that tracks and monitors credit only for businesses and that's who pays them to do that not consumers. I said as much to her and she continued to tell me that " they '' didn't decline me! It became very clear that she was in over her head, got that job because she smiled at someone the right way or has been there too long, because she certainly had zero experience in any credit field if she made an ignorant and inept comment like that! I applied with Advance America not XXXX. My understanding from the store staff is that many customers ask which bureau they go through to run credit. Corp. refuses to allow customers to know because they know we won't apply if we know it's XXXX. If someone runs XXXX my chances of getting the loan are zilch! I tried to tell the woman that AA sets the credit criteria and XXXX just matches my report back to their requirements set up in the system. She refused to listen, still maintaining she knows what she's talking about! I work in the lending business! I unfortunately don't qualify for traditional loans. So places like this are where I go, they're far less judgmental than banks and credit unions. I demanded to speak to a manager, I was just done with her stupidity. You don't ever talk to a person in the same field and not be able to answer questions or have a clue about what you're talking about. I know lending and credit, been in the business for decades! She knew nothing! She boldly said " there is no one above me! I am it! '' REALLY????? OMG! I said " OK so you're the CEO or are you trying to tell me that your company doesn't have one? Last time I checked you're large enough to have one! '' She got really quiet at that moment and claimed she would have someone named " XXXX '' call me before the end of business today from a XXXX area code. Well guess what? No one ever called just as I suspected they wouldn't! What they didn't bank on was my filing this complaint! They were hoping I would just go away! Nope! Not going to do that, I'm calling them out on their ineptness and letting them know they didn't stumble upon a know nothing consumer. That's what happens when you mess with someone who works in the same business but happens to be a lot more familiar with the industry. I feel I was unfairly denied based on nothing on my credit report but everything to do with their stupid credit criteria. However, if you look at the attached letter they blame everything on XXXX. None of this has anything to do with XXXX! This is all AA and their inability to effectively train employees to understand loans, credit or anything else. Those ladies in the store know more than this woman did! She called herself a manager? She needs to be seriously demoted! She was straight stupid! When challenged she had no intelligent answers. She was basically guessing her way through that job! This is what many of these types of lenders are hiring which is incredibly sad and will kill business for them. I was hesitant to apply without knowing who they ran credit through. Now that I have, have been treated this way I will be sure to blog every where I can to let other consumers know what happened to me. This way they know not to go through them. I'm calling AA out on their incompetence. They need to provide me with accurate reasons about why my credit was denied! The excuses on the letter are just that - excuses! This was unacceptable and could've been handled differently. They need to change the way they process loans in the stores and on line. Don't ask me to verify info or what payment schedule I want if I'm declined! Get through the credit process faster, then either decline or approve people, THEN ask those questions! Not before you know there's a loan there! Gees! Very tacky, unprofessional, inept company!
08/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32796
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ADVANCE AMERICA bal. {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/17/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MO
  • 63901
Web
On XXXX/XXXX/XXXX, my sister, brother-in-law, and wife all received calls that a company was trying to locate me. The caller ID stated " No Phone Number ''. My sister returned the call and the individual who identified himself as XXXX XXXX in the message answered. He stated he was representing XXXX XXXX trying to collect a debt owed to Advance America. She forwarded the information to me, since I personally was not contacted. I called the number given ( this has been the only method to contact anyone ) and the lady answered the phone and identified herself as XXXX XXXX. I asked to speak with XXXX XXXX as he was the original contact, but she assured me that she could take of the issue and give her my account number ( which was given in the message that my sister forwarded to me, XXXX ). I did and she pulled up my account. She stated that I was being sued for non-payment as well as an " attempt to defraud a financial institution '', Stated that I owed around {$3400.00} to Advance America and that they would settle out of court for around {$1700.00}. I asked about setting up a payment plan and she stated that she would have to discuss this with her lawyers. They proposed a payment of {$600.00} on XXXX, with additional payments of {$560.00} on XXXX and XXXX. I agreed and gave her a credit card number for the initial {$600.00}. At this time, I asked for a documented statement of the account. She stated that they would email me a copy within 24-48 hours. Later that afternoon, I was talking to my wife who had contacted our debt management program to see what they knew about this debt. Our debt management group told her that they felt like it was a scam as they saw no record of this debt. After she told me this, a quick XXXX search revealed that apparently there is a big scam going around with XXXX XXXX and Advance America. The google page described a call very similar to mine that was a scam. After reading this, I contacted my credit card company, XXXX XXXX, and explained it to them stating that I thought I had been scammed and to cancel the payment. They agreed and the payment was cancelled and my account was closed. Then on XXXX, I get a call again from " XXXX XXXX XXXX '' and its a message from XXXX XXXX stating that they were concerned because credit card that they were attempting to collect the agreed upon payment on was coming up as invalid. I again called my debt management company to discuss. Again they stated that were not showing anything on this. I contacted my sister, who happens to work for an attorney. I asked her to call on my behalf to discuss. She spoke with XXXX XXXX, who now identified himself as working with XXXX XXXX, and explained why the payment had been cancelled. She also told him that I had requested a written statement that had not been provided. He stated then that " their office had gone paperless since XXXX and they did n't mail anything. She stated that the call seemed legit. Then this afternoon, I received a call that was listed on caller id as coming from XXXX, MO ( I apparently deleted the actual number ) and it was XXXX XXXX. The message stated that I need to contact them as soon as possible as the {$600.00} had not been paid and that I " was now attempting to defraud them as well ''. I then attempted to call the same number that my sister had used earlier to talk to XXXX XXXX. I was answered by XXXX XXXX. I asked to speak with XXXX XXXX and was told that he was not available. She then told me to give her my account number and she would help me. I gave her the number and she began asking why I had not fulfilled the agreed payment and I again asked to speak with XXXX XXXX and told her that I wished to discuss this with him only. Again, she rudely stated that she could help me and that there was no way that could talk to XXXX XXXX. She continued to ask and I told her that I had done some research and found a scam that sounded very similar to her call. She then angrily stated that " this is n't a scam and I 'll have to get my supervisor ''. At this point, I hung up the call. After thinking some, I contacted Advance America to see if there actually was an outstanding account. I found that there was an account from XXXX that was closed due to non-payment. In XXXX, my wife and were in some hard financial times and were on the edge of bankruptcy. Our bankruptcy attorney ( not the one my sister works for ) had advised us to close our bank accounts and to let all of our accounts go delinquent. We initially filed for bankruptcy in XXXX of XXXX, but withdrew it. After withdrawing our bankruptcy, we contacted a debt management company who set up a payment plan that we have been following since then. However, the debt was written off by Advance America and sold to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they stated the debt had been sold to XXXX XXXX XXXX. I was not able to contact them to determine if they still owned the debt or if it has been sold again. I contacted the Federal Trade Commission and discussed the matter. During the call, the gentleman I spoke with ( I believe his name was XXXX XXXX agreed that there some red flags raised in this situation. He stated that I need to ask for a written statement ( which was stated should have been sent with 5 days of contact ) and for them to provide a mailing address and that he stated they legally have to provide to me and until this is provided that I will not speak them on this issue. I have not completed this request yet, but as I fully expect them to call me tomorrow morning, I have plans to complete this then.
05/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • AL
  • 36301
Web Servicemember
I took out a loan on my XXXX XXXX XXXX on XX/XX/XXXX with Express Check Advance for the total of {$1200.00}. The pay back amount was {$1400.00}. During the course of signing I questioned XXXX XXXX, the manager who drew out the loan, multiple times regarding the payment method for the loan. Before signing, I asked her multiple times if loan amount would decrease with each payment I made and I told her that I was only interested in the loan if there was a set number of monthly payments until it was paid in full. She reassured me multiple times that there would only be monthly payments, that I would not have to pay it all back at once. My mother, who witnessed her telling me this after she had came outside to take photographs of the car, asked the same question I had asked and was told the exact same thing. After telling me what my monthly payment would be, she told me I would have somewhere between 11 and 12 payments After paying four months into the loan, I started questioning why the remaining balance was not decreasing, and spoke with the agent XXXX on XX/XX/XXXX asking her why the balance was not decreasing like the manager XXXX XXXX told me it would be. XXXX informed me that what XXXX told me was incorrect, that the payments I was making would never decrease the total loan amount. She told me in her own words that I would never be through paying for the car unless it was paid all at once. I informed XXXX that this was not what the manager XXXX XXXX had told me and explained to me when I was signing the paperwork for the loan. Following this matter I and my mother called corporate and have spoken multiple times with the regional manager XXXX XXXX regarding the loan. My mother verified everything that XXXX XXXX had told us regarding the loan. XXXX, upon speaking with her, stated to me and my mother that XXXX was no longer with them, that she had been fired for fraudulently having me enter into a contract. The regional manager XXXX XXXX confirmed with my mother that she had to let go of XXXX XXXX because of the contract that my mother and I see that I was scammed with fraud and false pretense of gain for Express Check Advance 's profit. I was mislead and taken advantage of trusting Express Check Advance and the store manager XXXX XXXX to be honest and upfront with me, believing her to be true. XXXX XXXX 's word should have been bond as legal and binding, but instead I was mislead with fiery lies and deceit because it was the first title loan I have ever done. I was deceived by manipulation and false statements into entering a contract with Express Check Advance whom by which I was taken advantage of. I have already paid {$660.00} from the total of {$1400.00} cent. I should only owe {$770.00}, based on the explanation of XXXX XXXX while I was signing the loan, should be the remaining balance owed on the loan. On XX/XX/XXXX, I went to the XXXX XXXX, XXXX and XXXX dealership in XXXX AL and spoke with the sales agent XXXX because I was considering trading the vehicle in. XXXX called Express Check Advance that same evening, around XXXX, speaking with XXXX asking for a 21 day payoff amount for the vehicle. He was told that the payoff amount would be {$740.00}. XXXX can be reached at ( XXXX ) XXXX. Today on XX/XX/XXXX my mother and I called Express Check Advance asking for a payoff amount and XXXX gave her the amount of {$770.00}. After receiving the payoff amount, I went to XXXX. Over the phone, XXXX gave sales agent a 21 day payoff amount of {$1400.00}. I told her over the phone that that was not what she told me the pay off amount was earlier today and she started talking about added interests among other things. She also spoke with myself and sales agent XXXX very rudely. My mother and I have complained about XXXX 's attitude multiple times with XXXX XXXX as well. So to keep from dealing with XXXX 's attitude, we called XXXX XXXX at XXXX telling her about XXXX XXXX nasty attitude and the way she talked to people, and asking for the correct payoff amount from XXXX XXXX directly. My mother and I informed and asked XXXX XXXX if the payoff amount we were told originally, of {$770.00}, was correct and she said yes. After speaking with her, we called XXXX back at Express Check Advance telling her we had spoken with XXXX XXXX. XXXX was very rude again so we hung up and called XXXX XXXX back at XXXX. We told her how nasty XXXX 's attitude was and that we were just calling to get the payoff amount because we kept getting different payoff amounts, which we were mislead into this fraudulent contract from the beginning by Express Check Advance 's manager XXXX XXXX. At XXXX we received a phone call from XXXX XXXX telling us that the payoff amount was {$1000.00} which we informed her was not what she told us at XXXX XXXX today. XXXX XXXX then told us that Express Check Advance 's corporate office made that decision, not her. I have recorded conversations from day one in XXXX of speaking with XXXX XXXX up until the XXXX of XX/XX/XXXX and XXXX apologizing over and over for how XXXX XXXX, Express Check Advance 's manager took advantage of me, fraudulently having me enter into the contract, and agreeing with me when I explained to her how XXXX XXXX mislead me, telling me that my payments would be finished between 11 and 12 months. XXXX admitted that XXXX XXXX did not explain the contract to me the correct way and how she, XXXX, had to explain it to me the correct way after I was asking after each payment why my balance had not dropped as I was informed by XXXX XXXX it would.
07/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • CA
  • XXXXX
Web
This is not a new loan. I've already paid more than I borrowed, but because of the very high interest, the loan balance continued. I fell behind 2 months and my vehicle was towed the morning of Thursday XX/XX/2019 at XXXX. Thursday morning XXXX I received a call from a man mispronouncing my name and yelling. Thinking its crank call, I hang up Thursday morning XXXX Awake, I walk to my vehicle to head to a 24hr. fast food restaurant, I notice my vehicle hooked up on a Un-marked tow truck. That's when I learned that the tow driver called me moments ago. The driver was loud, rude and confrontational. He would not allow me to get some belongings out my vehicle and refused to provide me ANY information, despite my asking, repeatedly. The driver would not provide me any information regarding his company, his name - nothing. The following day, I went to Advance America and spoke to every person inside informing them that my vehicle was towed and that I need information to the tow company for me to get my work belongings and my work equipment. I was the only there at the time. It took an hour for them to provide me a company name and number. This information was given to me on a sticky note containing only a hand written name and number. They would not give me the address to the towing company. I was told that I have 30 days to contact them. I made many attempts to call that week to no avail, and they had no voice mail machine. The following week, I was at a work conference on the east Coast. The week after that I called multiple times again to no avail and repeated the same the week following that. Realizing that I am in the 4th week, and the 30 day mark ends on the weekend. I went back to Advance America to complain that no one was answering. I demanded that they give me an address again, and again they would not give me the address. I also complained that I have not received anything in the mail - nothing. They called their District Manager XXXX XXXX and I repeated everything I have complained to the office staff. So far, everybody made it clear that they are not familiar with their repo policies and asked me to bare with them as they figure this out. I reminded them that the clock is ticking and, in all fairness, I have a right to retrieve my property. Also during this time, I was informed that my vehicle was moved to several locations over the past 4 weeks. They said they will call me once they get information to where my vehicle is. They also assured me that the information they gave me was accurate and that I should keep trying. they told me they would call me once they have more information. in the mean time, I continued to call throughout the week, with the help of some friends, I got their address online and went to the location that weekend. They were closed, but the owner operator was there and explained to me that they never towed, nor ever had my vehicle. At this point, this is the 29th day of the 30 window. I returned to Advance America the following Monday ( day 31 ) to complain. I insisted that they cease the auction phase because they gave me false information. For the week, XXXX was trying to locate my vehicle. She gave me a number to another place late that week. The company name was XXXX. I got their address and arrived on a Friday to retrieve me belongings. To my surprise, the vehicle was cleaned out AND, I discovered this was an auction house. When I complained about the problems I was having, they looked in their system to identify the tow company they got the vehicles from. That company is XXXX XXXX. I called XXXX concerned that my vehicles was at an auction company and nervously, she stated that she didn't know what she was doing, shamed me and escalated me to her regional manager XXXX. I called XXXX ( who was already familiar with my case ). I repeated everything up to that point. XXXX informed me that she is not familiar with their repo policy and stated that she will call me Monday. She called me from her personal cell phone Monday. because of my work, I missed her call. understand that everyone I spoke to up to this point, I gave them permission to leave me detailed messages because of the likelihood of me missing their call and each of them agreed to do so. because I work out of town, I returned her call Friday. She informed me that she needed to hear from me before Tuesday ( with a tuff luck, snobby attitude ). she continued to ridicule and patronize me until an argument began. She then hang up on me. In summation, My vehicle was towed, the driver refused to provide any information. Advance America gave me false information. To this day, no formal information has been received. I only received a sticky note with the wrong tow company name and number. They have been very callus when informed of this fact. Everyone at Advance America has informed me that my vehicle was moved to at least 3 different locations during up to that time. It wasn't until I got to the auction house that I received information on the tow company. When brought to the attention of Advance America, Regional Manager XXXX finally admitted that they knew who the original tow company was all along. Around the 35th day, I retrieved my property from the original tow company - in bad shape, and some items were missing. They still never stopped the auction process. in short, they lead me astray and sold my vehicle for greater profit. This is Grand Theft
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37115
Web
Advance America used discriminatory practices against me by denying me extension of my own credit. Advance America was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of Advance America monetized by securitizing the the application. i as the original creditor that gave life to Advance America Corporation have a security interest in that application which was monetized because I'm the card holder/beneficiary of the social security card XXXX name and account number therefore i have an interest to receive all incentives and derivatives which arises from the compelled use of the social security number. Employees at Advance America failed to perform their duties to provide me with my goods and services. Advance America created the disability in this matter therefore i am invoking the Americans with Disability Act in which I have remedy under regarding discrimination. The Americans with Disability Act defines a disability as a physical or mental impairment or a physiological condition that substantially limits one or more major life activities. Getting denied extensions of your own credit by financial institutions interferes with and substantially limits thinking, breathing, communicating, interacting with others, caring for oneself, etc. This is major problem. Title 2 of the Americans with Disability Act strips immunity concerning A-D-A claims. Therefore Advance America is without immunity concerning such matters. Advance America use all prohibited acts which can be found in 42 U.S.C 12203 ( b ) : it shall be unlawful to coerce, intimidate, threaten, or interfere with any individual in the exercise or enjoyment of any right granted or protected by the Americans with Disability Act. Their creating the disability of substantially limiting major life activities and then their using that disability against me in discriminatory way to exclude me from equal access to the services of provided by Congress under the Equal Credit Opportunity Act. Advance America has unlimited funds, i don't and their not offering me unlimited funds that they have access to through peoples birth certificate and social financial instruments. Yet who got access to my funds from those security financial instruments when i was known as being a minor is my question and concern as well. Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. Advance America did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. Employees of Advance America refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. That application is the check which was endorsed by the consumer electronically therefore Advance America securitized as a federal reserve note and sold it on the sock market and it's currently traveling around the world to different investors. The financial institutions and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and that these financial institutions found a way to trick Men and Women into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non-public information on or about me which is identity theft. I did not grant a non-affiliate third party to furnish any personal consumer transaction regarding the legal fiction all capital name which is a corporation created by Social Security Administration pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
12/14/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 92225
Web
On XX/XX/XXXX starting at XXXX I had 3 missed calls from XXXX ( XXXX XXXX XXXX and received finally after the 3rd call received a voicemail from XXXX XXXX that I got a case being processed but didnt give me any details. She said to contact the legal department to settle things about my case # XXXX to phone number XXXX. So I called today XX/XX/XXXX @ XXXX and I forgot who I spoke to but he wanted me to verify some of my Information before he proceeded to give me more details about this case. He wanted either my date of birth or my last four of ssn. I told him I didnt feel comfortable with giving him my information then he stated hed notate that in the account and just tell the company whos taking legal action to give me information when we go to court. So I settled with giving him my date of birth. Then he further explained advance America has been trying to collect a debt since XXXX and has had no luck so they wished to proceed with legal actions. He told me my last four of Ssn, who I bank with, and threatened to call my employer. He stated I had to pay {$900.00} +. I then responded that I had no way of paying that. Thats when he threatened Id have to resolve that with them in court. I said thank you and hung up on him. 20 mins later I received 3 missed calls from phone number XXXX ( XXXX ) XXXX after the 3rd call someone who did not state their name said they seen I contacted their office and XXXX XXXX XXXX needed to speak to me and to contact XXXX so I could go over details on what Im going to do in regards to my case # XXXX as of now my case remains active. I did not call them back because when I called he said Id have to settle in court. So I attempted to contact advance America themselves. I sent an inquiry to their company. To which they responded by email. This is what advance Americas response said via email ... Thank you for contacting the Customer Comment Line today. We appreciate you forwarding this information to us. This is not from our company. This is a scam. Advance America, along with many other lenders, has been targeted by unknown scammer groups. Scammers are attempting to contact consumers regarding pay day loans through the internet, email, and making telephone calls. Scammers can be very convincing, especially when they use threats and intimidation and appear to have access to personal information. They use the reputation of a legitimate, respected business, along with dire threats, to get what they want from victims. We want to inform you that these actions are not being made by Advance America or anyone affiliated with the company. We value our customers and are working directly with authorities to stop these scammers. This is unfortunately part of an extortion scam that is going around the country. We have placed a scam alert on our website to warn consumers of these scams at https : //www.advanceamerica.net/XXXX. These scammers are using our name and using scare tactics to convince consumers to pay them. We would not contact you in this manner to collect a debt. We do not sue customers. We would never ask you to wire money or put money onto a prepaid card to settle a debt. It is not a criminal offense to default on a pay day loan and you can not be arrested. Do not pay this person any money. If you would like more information on your loan please contact the us by telephone at XXXX so that we may verify the account and provide you with more information. For more information on Pay Day Loan Extortion Scams please visit http : XXXX For more information regarding Fake Debt Collectors please visit XXXX XXXX XXXXXXXX For your rights as a consumer in collection practices : http : XXXX Please report this fake debt collector scam to the following : File a complaint with the Consumer Financial Protection Bureau at www.consumerfinance.gov File a complaint with the FBI at www.ic3.gov File a complaint with the FTC at www.ftc.gov File a report with your local law enforcement agency Thank you, Customer Comment Line XXXX XXXXXXXXXXXX ( XXXX ) XXXX cid : XXXXXXXXXXXX
06/25/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32065
Web
I applied for a payday loan via the Advance America website on XX/XX/19 at around XXXX XXXX ET. I filled out all portions of the online application including my SS Number and bank account information. During the application process I was asked to create an online account so I can check the status via their website. I submitted the credit application but nothing happened. It just kept " processing ''. No error message. No instructions on what do to next. I attempted to log on to the customer portal using the information I submitted in the application. It said the user does not exist. I attempted to submit the application again using a different device and browser, however I received the same outcome. I tried to log on to the portal again and it said " An error has occurred and to contact Customer Service at XXXX ''. I called the number and an automated recording stated " we are currently experiencing issues with our website and are working to resolve as soon as possible ''. I stayed on the line and spoke to a representative. I explained my issue and she spent a great deal of time putting me on hold and " checking '' on things. She knew nothing about any technical issues with their website. She eventually said that she submitted a trouble ticket and that I should receive a phone call in about 4 hours if they need more information or I would be receiving an email with documents for my loan. That was all the information she could provide to me. She could not even see my application or it's status. I expressed my concern that a Hard Credit inquiry had already been placed on my XXXX credit report and that I am worried that she couldn't even find the application. I hung up and went back to www.advanceamerica.net to see if I missed any notifications about them having issues with processing applications online. There were none. I also never received a call or email from Advance America on XX/XX/19 as advised by the rep. At XXXX XXXX ET on XX/XX/19 I contacted the customer service number again. I received the same automated recording about them having issues with their website. I held and spoke to a representative. I was told this time that Advance America does not pull my credit for pay day loans. The rep also told me that there was no change to the status of my trouble ticket and that they do not know when it will be resolved. At first the rep said that I should be getting loan documents via email soon since they had just opened at XXXX ET, but quickly changed their response when I said that was what I was told yesterday. I requested to speak to a Supervisor since now it seemed like a hard inquiry was performed without cause since they could not even process my application due to technical issues with their website. My request to speak to a Supervisor was denied. Instead I was put on hold again. The rep then said I could go into an Advance America store and submit another application, or I could wait for my trouble ticket to be looked into, or they could width drawl my application ( even though they told me I do not have one yet ). I explained that the purpose of a pay day loan is usually for people who need funds fairly quickly and I could not wait around for days wondering if they got their website issues resolved. The rep confirmed she would delete my application. When asked to remove the credit inquiry that went along with it, I was put on hold again. Now the response from the rep was that they do pull my credit to obtain my FICO score but there was no promise of removal only that they " put in the request ''. The rep said it was like going in and applying for cell phone. If they deny giving me a cell phone then they don't remove the credit inquiry. I told them rep that I fully understand how credit inquiries work. However if the institution that performs the inquiry obtains my credit report without cause ( in this case they aren't able to process my application due to technical issues on their end ) then it needs to be removed.
01/24/2017 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 93612
Web
On XX/XX/XXXX Collector called a friend that left her feeling threatened and involved in a lawsuit. His name was XXXX XXXX and addressed her by wrong name. He left no business name. Collector XXXX XXXX left a voicemail on my phone with vague statements and no business name. He used my old married name " you will be located '', spoke of case # XXXX was pending against me, matter of public record, forfeited rights, and threatened to call my work and speak with my supervisor. He left a phone number XXXX to call. His phone number has a full voicemail box, no business name. On XX/XX/XXXX I called during business hours ( XXXX-XXXX ET ) a woman answered without using a business name. I told her I am returning a call for a collection. She asked if I had a reference number, when I said no she transferred me to XXXX XXXX that asked me if I still lived at ( my address ) in XXXX XXXX. She said papers were filed on the XX/XX/XXXX and she 's surprised I have n't been served yet. She asked if anyone has attempted to serve me. Said if I agree to pay today she will try to reach the lawyers and see if they can stop the case. She came back and said that if I can give her a credit card and postdate payment she would talk to Advance America and see if they would settle. She said they are a mediation company and work with Advance America to see if I want to make voluntary restitution. She said I owe on a loan I defaulted on in XX/XX/XXXX. I said yes. She said I owe them for the loan and bounced check which was a total of {$510.00}. If I did n't pay it they would sue me for three times the amount, and how Advance America is very aggressive about this. I asked again what the name of the company was. She said " let me find out what it will say on your bank statement '', She put me on hold, came back and said it would say XXXX XXXX. I asked if they had sent me any e-mails, she said no they would n't have sent me any e-mails, then asked for my e-mail address. I asked her to send me a statement or bill she said they wo n't do that until after my last payment, then I would get a paid in full notice. When I questioned the collection she said I could verify with Advance America. I scheduled 2 payments of {$250.00}. She told me that if my payment bounced that the case would be resubmitted to their lawyers and refiled would n't be able to get it back.She advised me that if anyone else called or tried to serve me to tell them to call her directly at XXXX ext XXXX. I called Advance America. There was nothing under the name used, but under my maiden name. She assured me that they are not legally allowed to sue over a defaulted advance loan and that my account was turned over to XXXX XXXX XXXX and advised me to call them. I called XXXX XXXX XXXX at XXXX and spoke with a woman and asked to see if their company still had my account. She said that they are not a collection agency but handle collections by selling them to other businesses. Mine was sold to XXXX XXXX XXXX in XXXX. She said I owe XXXX and said do not pay them a XXXX more. I tried calling XXXX XXXX XXXX at XXXX an. A full voice mailbox picked up with no business name. I sent an e-mail inquiry through their website. No response to date.I contacted my Lawyer ( XXXX XXXX ), was advised to stop payment and demand all contact through the mail. I cancelled payment and card through the bank, and left recorded message at XXXX ext XXXX demanding full disclosure and billing through the mail and to cease all calls. Heard nothing else until XX/XX/XXXX. XXXX XXXX called my work threatening a civil suit for breach of contract and non-payment. He said there is a civil case against me through XXXX County. He gave me XXXX for my attorney to call him back and a case number XXXX through XXXX
11/05/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • XXXXX
Web Servicemember
On about XX/XX/2020 XXXX XXXX put a collection account on my credit file for {$11.00}. This is the first I am hearing or seeing about this. I am going to go through the proper channels and dispute this debt and ask for validation from XXXX XXXX. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best regards XXXX XXXX
02/23/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • 35215
Web Servicemember
XXXX XXXX started calling all my family members about a payday loan I had with Advance America. They never sent any letters or contacted me directly. My mother received a voice mail from a XXXX XXXX. Once they got in touch with my mother we called them back to get a clear understanding of what they were calling about. We talk to a XXXX XXXX XXXX XXXX XXXX XXXX, so he said. Once we began the conversation, he explained that a company sent my paper work to their Law Firm. We asked him several times who did the payday loan come from and after a while he told us Advance America. Next he went on to say I owed {$960.00}. I told him that did not sound right, because I had not borrowed that much from anyone. He said that included what I owed Advance America with fee 's. Next he asks if I wanted to pay this amount today and my mother interrupted him and asked for for a settlement amount. He gave the amount of XXXX. I asked him several times, why was n't I notified by mail and he never gave an explanation. Next I told him I was going to call Advance America and he said " IT 'S NOT GOING TO MATTER BECAUSE THEY ARE GOING TO REFER YOU BACK TO US. '' So what I did to get him off the phone is to tell him to email me the paper work for what I owe and told him I would pay it, but I was n't. I then contacted Advance America about my account and found out I only owed {$110.00}. I gave them the company name that was trying to get all this money out of me and they had never heard of them. Advance America gave me the number to the people that they said they sold my acct. to. They told me they sold my account on XXXX XXXX, 2017. They gave me the number to the company they sold it to and it was not XXXX, so I thought. Once I called XXXX different numbers it led my back to XXXX under a different name. They were operating under XXXX different names, as a Legal company. When the answering machine picked up to my surprise it was XXXX, the company Advance America said they knew nothing about. At this point XXXX called me back on XXXX/XXXX/2017 and told them I found out my balance from Advance America, so he made another offer of {$200.00}. I told him no, I was not paying what I did n't owe. I did tell him I would pay the {$110.00} if they sent me another settlement letter. They never sent another XXXX. Today is XXXX/XXXX/2017 and they have not called or mailed or emailed anything. These people are scammers and must be closed and stopped. They threaten to garnish my pay check, without being sued or going to court. Told me I would be criminally charged. These messages were left on my mother phone by a person named XXXX XXXX and she also called my uncle and sister telling him the same things. XXXX XXXX made the same threats. These people called everyone in your family that they can contact. This is a tacked used to embarrass you, so their intended victim calls them and they can scare you into paying them extortion money. They work in teams, XXXX pretending to be the server, and the other pretending to be the verification person and another person pretending to be the Attorney name they use when they talk to you and send out settlement letters, which is XXXX XXXX Attorney at Law. Please stop these people and the Attorney that 's involved in this madness. By the way XXXX has a F rating with the BBB and the Attorney has aN A rating. Go figure. They also send this to read as your rights for them getting money out of you. XXXX. Instead of the FEDERAL LAW ( FDCPA ) REQUIREMENTS.
01/10/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 456XX
Web Older American
I would like to make a complaint against Advance America concerning their collection activities. I defaulted on a loan and still owed {$390.00}. Have since paid {$150.00} of that. I still owe {$240.00}. First I got a letter supposedly from Advance America with a return address of a non-existent address in XXXX, OH, wanting me to send payment to that address. When I called the number on the letter, which was different than the usual number, I was told I couldn't make online payments ( untrue-I did make an online payment ), that I had to call that number. Suspicious. I have included these letters with payment coupons. Then the excessive calls started to my cell phone, usually 3 a day, sometimes more, from an automatic dialer. The first call of the day is usually anywhere from XXXX XXXX to XXXX XXXX and the calls continue throughout the day. If you answer the call, either you are put on hold or are told this is a " courtesy call. '' The early morning calls are hang ups if they are answered. Even though I've made payments and tell them I will continue to make payments, the calls don't stop, but am told I can " disregard them. '' I've done business with Advance America many times and probably have paid this back a thousand times over. They supposedly adhere to the Consumer Financial Services Association 's " best practices '' concerning debt collection : 10. APPROPRIATE COLLECTION PRACTICES. A member must collect past due accounts in a professional, fair and lawful manner. A member will not use unlawful threats, intimidation, or harassment to collect accounts. The collection limitations contained in the Fair Debt Collection Practices Act ( FDCPA ) should guide a members practice in this area. They called on XX/XX/XXXX at XXXX XXXX I answered the call and spoke to an agent. I asked if they were receiving my payments and told them I would make another payment at the end of XXXX. I had made payments on XX/XX/XXXX ( taken from bank account ) XX/XX/XXXX and XX/XX/XXXX ( made on line through website ). I did not receive any other calls that day. The next day, XX/XX/XXXX, I received a call at XXXX XXXX I called back and asked the reason for the call as I had just spoken with someone basically 24 hours ago. I was told that the agents don't control the auto dialer and that if a debt is owed they can call as many times as they want, but the only thing the agent could do is note the account, but the calls would continue, but I could " disregard '' them. I subsequently got another call at XXXX XXXX and at XXXX when I again spoke to someone. I considered the excessive phone calls harassment. From XX/XX/XXXX through XX/XX/XXXX so far I have received 98 calls. I have spoken to them on the phone many times so this is not a case of not being able to contact. This is pure harassment. I could understand calling maybe once or twice a week to touch base, but 2 to 3 calls or more a day is excessive and is only a means of harassment. There was a XXXX case the CFPB took against XXXX XXXX XXXX XXXX XXXX concerning their collection practices. File 2014-CFPB-0008. One of the complaints was : Some of XXXX in-house and third-party debt collectors engaged in several acts or practices that created a sense of urgency, including : a. Excessive calls : In-house and third-party debt collectors made an excessive number of calls to consumers home, work, and cellular telephone numbers.
08/19/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • TN
  • 377XX
Web
I got a call from a " XXXX XXXX '' XXXX at my work at XXXX. He stated that he is a compliance officer, employed by the State of Tennessee and has called to speak with my supervisor about me committing fraud and a warrant being issued for my arrest. He gave me a " case # '' and told me to call XXXX immediately or he would come to my work and notify my employer that I have committed fraud. He would not tell me who I owed the debt to. I told him I would call the XXXX number immediately so no further contact at my job would be necessary. He said he would give me time to call them. As I was on the phone with the company that I still have no idea what their name is, he called my husband, told him I had committed fraud and I have an outstanding warrant and XXXX XXXX is trying to locate me. He then immediately called my mother and told her I had committed XXXX counts of fraud, he is sure I do n't want to be standing in front of a judge and there is a warrant for my arrest. He also told both my husband and my mother that he was a compliance officer employed by the State of Tennessee. He told all XXXX of us that I should know what this is about. When he was asked what company he represents, he stated, " The State of Tennessee. I am an officer, assigned to locate you. '' I called the XXXX number and spoke with XXXX XXXX ( ext XXXX ) When I told her that I acknowledge the debt and would like to work out a payment arrangement, she stated the best she could do was {$130.00} every other week and she had to have my credit card number. I also was required to pay something before the end of XXXX. At this point, I was in fear of them sending someone to my job and getting me in trouble and/or fired so I agreed because this officer with the state of Tennessee has told me I have a warrant for committing fraud. I had borrowed {$420.00} from Advance America. They had been paid well over {$1000.00} in fees from me. I stopped paying on it because a payment of mine was " lost ''. Biggest mistake of my life. Now I am forced to give access to my bank account to this company because they threatened me so maliciously and harrassed my family and put my job at risk. I called XXXX XXXX back after discovering this XXXX XXXX had contacted my family and violated my privacy. She apologized for his unprofessional behavior. I told her I had undergone collection law training and knew what he had done was illegal. I feel like I have been extorted. They first told me if I paid right then, it would only be {$400.00}. Then it jumped to {$600.00}. Now I am stuck with payments that I can not afford and I am going to have to hire an attorney with money I do not have. The following Tennessee state collection laws that were violated are Section 392.301 ( 2,5,6 ) Section 392.302 ( 4 ) Section 392.303 ( 3,8,9,12,19 ). I feel harassed and violated. This caused undue trauma to my XXXX XXXX XXXX mother. This caused undue stress and drama at my place of employment. This is also going to cause a huge financial burden to my family. I own borrowing the money. I feel that I have paid more than enough already and I am being threatened and intimidated into paying a collection agency. I do n't mind making suitable arrangements but taking 40 % of my take home pay and them requiring that I give them access to my account is both abusive and excessive.
08/05/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 77006
Web
I have been in contact with XXXX XXXX XXXX on a debt that I owe from a payday loan. In the beginning they would call me almost 10 times a daly leaving threading voicemails saying they would sue me if I did not contact them. I finally got ahold of them and set up a payment plan to pay the debt. I have been paying {$140.00} every 2 weeks since may of 2017. This past week I received a paper check and needed to take it to the bank for deposit there fore the payment did not go through. They contacted and left me a voicemail threatening to sue if I do not pay. I called back as soon as I could explained the situation and set up another payment. By the time I left work and looked at my check it was n't going to be enough to pay the {$140.00} on top of rent and all other expenses. I tried calling calling back to cancel the payment, but the office was closed. They called me the next Monday and XXXX who I 've been talking to the whole time was instantly rude he said if I did not pay the {$140.00} they would sue me. Keep in mind I have been making {$140.00} payments ALL on time. This payment was my second to last payment. I asked XXXX if I could move the payments back 2 weeks and he sent me directly to a litigation manager. XXXX got on the phone and started yelling at me she again said if I did not pay the {$140.00} she would sue me and If I did n't have the funds right now and if she was feeling motivated enough she would contact a lawyer and have him at my door in a couple hours. I then explained to her exactly what I told XXXX and she said " Are you XXXX or can you just not hear? Either pay today or we will sue you. '' I asked her why she was being disrespectful ... mind you I have not raised my voice or anything at her I kept calm even after she called me XXXX. She said she was not being disrespectful and if I do not cooperate she would delete my card information with out my approval and right it off as I never intended to pay. I then asked for her supervisor. Her response is " I am the manager '' I said there has to be someone above you I can speak to them. Her response again is " I am the manger ''. At this point my patients is wearing thin and I asked again for her supervisor and her response " Wow you must really be XXXX ... I just said I am the manager what part of that do you not understand. What are you going to say to my supervisor ... Oh, I 'm sad because I ca n't pay my bills and XXXX is being mean and doing her job. May I add I do my job very well. You low life black girl why do n't you figure out how you are going to pay me today ''. At this point I 'm so angry I did raise my voice and said I want a manager now. Her response " let me get you someone to pretend they are my suporvisor. '' She then hangs up. So I call back and some new lady is on the phone giving me the same response " pay today or get sued '' again keep in mind I have been on time every 2 weeks paying {$140.00} every 2 weeks. This was my sencond to last payment and I need to move the last 2 payments. All of this is completely illegal not only did they call me XXXX.. they brought my race into it.
01/18/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 92103
Web
I was called from what they call themselves " XXXX XXXX XXXX XXXX '' and are threatening to pursue in the court of law if I do n't pay a previous pay day loan that was taken out last year from Advanced America. I denied the first call because they refuse to disclose information regarding the company. They then called several days later (XX/XX/XXXX ) and left a voicemail stating they know my location and that they will have to speak with my supervisor about this matter. The lady on my voicemail continues to say I have a case number to be filed with the court and end by saying you have been legally notified. I panicked and called early the next morning (XX/XX/XXXX ) and started to speak with the same rep I originally talked to. He tells me that they have a pending case for two counts, one for fraud and one for writing bad checks to the bank I had the time of the loan. I got even more frightened and immediately made a payment and was told I am required to set up a payment arrangement which I then did. After I set up the payment arrangement and made a payment I ask again for company information and I was given the same name stated above the same 1800 number and was denied an address. The man ( creditor ) began to be really defensive and told me that he does n't have to give me that information and again says if you want we can cancel this and you will have to fight this in court. I then ended the call telling him to please not cancel it I do n't want to go to court. I then decided to call later that afternoon to ask for proof of debt the lady that I asked immediately puts me on hold and puts her supervisor on the line she begans to tell me that they do n't validate debt and that I should have taken care of this loan in XXXX. She then also says that I have agreed to all of their disclosures and agreed that the debt was real and I was responsible if I cancel my payments I will be taken to court. I proceed telling her I should n't have given them information that they did n't have in the first place. At that moment realized they used bits of information they knew about me so they can get more personal information out of me to use against me in the event I become suspicious like I am. I then ask her for company information and she gives me a PO box and that they do n't have to disclose the address, she also tells me they are called XXXX XXXX XXXX XXXX and confirms the same 1800 number. I end the call and since I have checked my bank account to find the payment I made, it says it went to XXXX and has lines of X 's, and no other information that is traceable. I have been asking for help and feel highly stressed because they have a lot information about me but I have nothing about them since my debt from Advance America has been sold 4 times and I have come to a dead end because the last company the debt ended with is also not traceable which I was told was named XXXX XXXX. So far all I know is this company ( XXXX XXXX XXXX XXXX ) claim they own my debt and that I have violated of my rights and identity. The voicemail they left me is attached. Company Number : XXXX
01/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 297XX
Web
I took out a $XXXX payday loan advance from Advance America on XX/XX/XXXX that was due to be paid back on or before XX/XX/XXXX in the amount of $XXXX. I called before XX/XX/XXXX to let them know I wouldn't have the money on the due date. They said they would submit my check electronically by the end of the business date if I didn't come in to pay it. They submitted my check and my bank charged me $XXXX NSF fee on XX/XX/XXXX. I put a stop payment on the check to prevent future electronic deductions as I have other monthly bills that are automatically withdrawn from my account. My bank charged me $XXXX for the stop payment on XX/XX/XXXX. Advance America has LITERALLY called my cell phone, my husband's cell phone and our home phone at least 3 times a day and leaving voicemails ever since the day my loan was due (except on Sundays). They've called before XXXX some days, they've called after XXXX some days and called on Saturdays! Also, they have called my job repeatedly. After the 4th time of calling my job, I was verbally reprimanded being reminded I'm not to have personal calls. My position does not require me to receive calls so when the switchboard operator pages me over the intercom, the entire company hears my name being called. In XX/XX/XXXX, I finally told the lady who called that I was reprimanded and to please not call my job again and that I would not be able to pay the loan back until after the XX/XX/XXXX. She asked for a specific date and I told her I couldn't give her one because I didn't know. I didn't want to lie. The calls have still continued to my cell, husband's cell and home number EVERY SINGLE DAY more than once on each. On XX/XX/XXXX they called my job AGAIN, when the call was transferred and I answered, she didn't apologize for calling me on the job and just stated who she was and to call her on my lunch break. I said, "sure". I did not call on my lunch break because there's nothing to say, obviously if I had the money to pay them I would do it. 2 days later, on XX/XX/XXXX they called MY JOB AGAIN but I was in a meeting. When the operator tried to take a message, they just said they'll call back and chose not to leave a message. We've also received correspondence from Advance America via USPS reminding us we need to pay and that they submitted the check and it was returned. They have submitted the check for payment numerous times since XX/XX/XXXX. I found out on XX/XX/XXXX our bank made a mistake and allowed Advance America to electronically debit $XXXX from our bank account AND my bank charged us $XXXX for that transaction. After we were notified online, we called customer service and the matter was resolved and the money and NSF fee were both refunded and our bank apologized saying it was their mistake. Advance America has become more aggressive since that mistaken transaction on XX/XX/XXXX by calling repeatedly and continually attempting to debit our account for a check we've had a stop payment on since XX/XX/XXXX. I want them to stop calling my cell, husband's cell, home and my job immediately.
06/03/2022 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
NOTICE : NEW INFORMATION. I would like to put this on the record in the event this becomes a legal matter in Federal Court. I am a Consumer a natural living man pursuant to 15 USC 1692a ( 3 ). I am the ORIGINAL CREDITOR the ORIGINATOR Pursuant to 15 USC 1692a ( 4 ). I would like to clarify and put ADVANCE AMERICA and its representative/agents on NOTICE for FRAUD or FRAUDULENT activities or deceptive and misleading business practices and could result in Legal Actions under title 18 and other Federal Laws. ADVANCE AMERICA is in violation for failure to provide or produce an AUTHENTICATED RECORD OF ACCOUNT as requested and required under law to provide or produce for ANY claim. Any FALSE CLAIM may result in legal actions under the False Claim Act pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) and 18 USC 286- Whoever enters into any agreement, combination, or conspiracy to defraud the United States XXXX or any department or agency thereof, by obtaining or aiding to obtain the payment or allowance of any false, fictitious or fraudulent claim, shall be fined under this title or imprisoned not more than ten years, or both. On XX/XX/22 a dispute was conducted for proof of claim by producing or providing to consumer an AUTHENTICATED RECORD OF ACCOUNTING. On XX/XX/22 ADVANCE AMERICA responded with NO PROOF or DOCUMENTARY EVIDENCE or an AUTHENTICATED RECORD OF ACCOUNTING. ADVANCE AMERICA failure to respond within 30days is a violation under law. However, with good faith an extra 10 days was given so that ADVANCE AMERICA in good Faith would produce or provide my request for an AUTHENTICATED RECORD OF ACCOUNT to prove their claim. ADVANCE AMERICA responded in 84 days and still did not provide or produce ANY documentary Evidence of ANY AUTHENTICATED RECORD OF ACCOUNT regarding claim against consumer. For the record A response was given by ADVANCE AMERICA on XX/XX/22 with NO NAME or representative on the note or letter. Please provide me with a NAME of the person who responded back to me on XX/XX/22 so that I can hold that agent or representative of ADVANCE AMERICA liable in the event this goes to Federal Court for violating my consumer rights. I am demanding ADVANCE AMERICA to zero out this account and remove my personal and private information from ANY and ALL 3rd party affiliate companies such as XXXX XXXX XXXX. ADVANCE AMERICA is in violation under federal laws pursuant to 15 USC 168g ( 11 ) Transferring my identification or financial information or my information has been used or transferred ( or has been alleged to have been used or transferred ) without my authority or consent of the consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. If this is not resolved within ( Ten ) 10 days, I will be holding the President, Vice President, and Chief Financial Officer liable for defamation, Harassment, mental anguish and punitive damages in Federal Court.
04/23/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MN
  • 551XX
Web Older American
apply for a PayDay Loan with Advance America on XX/XX/XXXX in XXXX XXXX WI. The amount was for {$1500.00}. I worked with XXXX XXXX. She toke the application. On the application there was a stop about bankruptcy I mark yes. I didn't think about it until I was reading on the internet and in a Law book that if you are in bankruptcy you are not to apple for a loan. I called them right alway about this. I talked to XXXX, she looked at the application and yes we check the box. She told us that we should not received the loan. At that time I asked if she would stop the ACH. She said to come in to sign the paper to stop it. We talked to her about what will happen now. She told us if we could pay {$50.00} or {$100.00} dollars on the loan. That after 3 months they would call us and work out something with us. The XXXX payment the let go. But in XXXX we got a call from XXXX about the payment of {$330.00} that they would be taking it out of check account tomorrow. I say oh know you won't that we stop the ACH. She said she had to check on something and would call back. Later in the afternoon she did call back and said they would not be do that. 2 weeks later in XXXX we get a call again from both XXXX and XXXX. Two days apart. Went thru the whole process again with taking out the loan out of check again. This time my wife talked to them and she was just so upset with this calling all the time. She did tell them that it was getting to be harassment when the call so many times. My wife called the home off in South Caroline and filed a complaint with them. We received a call from a XXXX don't know her last night. She is the person that covers the WI area that this office is in. Talk to her about the loan and about XXXX hanging up on me. Which she should have I was a really XXXX to Her. After talking to her for a while she said that on XX/XX/XXXX and XX/XX/XXXX they have payments for us and On XX/XX/XXXX. She said the they are refunding us the {$960.00} and then we will have to return the money to them. Will we never paid them on either day. Plus we stop the ACH. We were told that the money with be in our account the next day. Call XXXX back two days later to fine out about the money and she said it was on the way. I knew she was not telling us the truth. When I talked to her again. Now this time she said that on XX/XX/XXXX they pulled out money from our checking account. An it looks like the stop it. I talk to our bank. There has been nothing coming out or try to take money from our account. Now the story chance again. Now I get calls every week to see when we can start paying them back or make some kind of arrangement to pay. My whole thing is they gave us the loan when on the application it said we have a bankruptcy. Also I don't like it when you give me a story : like they have been. Please help My wife is not on this loan but I put her down as Additional Account Holder she know alot about this.
06/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • LA
  • 70301
Web
XXXX Location, XXXX XXXX My wifes cell is XXXX She can discuss this also since I may or may not be at work on watch when someone calls.

I DO NOT I REPEAT DO NOT WANT ANY ONE ELSE MAKING FALSE THREATS OR BULLYING MY WIFE FROM THIS LOCATION I took out a title loan last year paid it off no problems. Since we have a POA my wife could even go in and pay when I was on the boat at work. I needed another loan so I went back and it has been total XXXX ever since. I went in and paid and asked for us to change the due date as my work schedule was changing. I was told it was not needed that my wife could just come in and pay down the loan. So at first my wife was going in No issues. But when I would come home from work and go in to pay and renew. I would have over or close to 100 in late fees. Stating my wife could pay on it but they could n't accept her as a signature anymore so she had to stop going in there. Yet we were paying by the date due. And STILL GETTING LATE FEES. Confused as because a Power of Attorney gives her the right. Anyways. I went in asked for a prorated whatever to get the due date when I was home working XXXX and XXXX it would always wind up my 2nd week at work due. Which would force me about 2 weeks in late fees. 1 person over there would understand. Yet I would get 4 and 5 calls a day even though my account was " documented '' I would be home from work on this certain day. This last time was pathetic. I told them every single day what day I would be in. Since they basically refused payment from my wife so I would as they put it " rack up '' the late fees. I told the guy I spoke with this time I could not pay another XXXX in late fees and I refused to because my wife had legal rights to go in there and pay it yet she was n't allowed to sign or do so. So then I get threatened to have my vehicle taken away after I pay 100 to renew because I did n't pay the 100 in late fees? That if my wife would of been allowed to pay we would not even have fees? Every time I have extra. I can not pay extra because of all the late fees. Because I have a job where I am not home every day. I tried to get the loan transferred to another company but guess what? They claimed to not have my title in hand. But when I ask them last time ... .The DO!!!! So I am stuck in this revolving door of no due date changed, my wife not being allowed to pay, and several late fees over and over and over. When we should have none. So I am still stuck with a loan that has paid maybe 200 towards it going down.. Because of the shady practices of this location. Or the fact that my wife can not go and now is to the point she does not even feel comfortable going into the store. The last 100 I just went in and paid on X/X/2017 guess what some lady behind the counter said oh yeah your wife can come in and pay. Yet guess what will happen if she tries to?

10/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • AL
  • 363XX
Web
In XX/XX/2019 I had written a check to Advance America for a pay day loan in the amount of {$580.00}. I wasnt able to pay The whole amount back so they tried to ACH my account. It rejected and I set up to start making payments on the balance of {$580.00}. I paid {$280.00} towards the balance. On XX/XX/2019 I talked to XXXX. I told her I had {$80.00} I could bring her when I got off work. She started telling my my minimum payment was {$91.00}. I didnt have the extra {$11.00}, but I told her I would try to come up with it. I couldnt come up with it, so I wasnt able to make the payment. On XX/XX/2019 they sent in the ACH for {$580.00} to my bank account. My bank paid it in full on XX/XX/2019. They never took into account the {$280.00} I had already paid towards the balance owed. I called asking why they didnt consider the money I had already paid and XXXX told me I could just bring something showing it was paid by my bank and get a refund. Well on XX/XX/2019 I went up there for my refund. They refused to give it to me. They said they had to wait for their supervisor to approve it, or the system to let me have it. I called everyday trying to get my money back. On XX/XX/2019 my husband finally called their call center to make a complaint. The lady looked in the system she said your account has been paid and closed. She said just call up there and ask for your refund they have to give it to you. I told her I already did that and they refused giving it to me. She said they have no reason to hold onto your money. I will call the supervisor over that branch and have her over ride this. She said I will also have her call you directly when she gets out of her meeting. XXXX called me at XXXX cst she also refused to give me my money until XX/XX/2019 and told me how it was my fault they sent the check in basically. She even told me that the center lady didnt tell me they had no reason to hold my money. XXXX did not know my husband was on 3 way listening to the call center lady tell me this. XXXX also told me on XX/XX/2019 that Dotty didnt refuse my payment that I could of paid {$20.00} if that was all I had. I told her that was not explained to me by XXXX. On XX/XX/2019 at XXXX I went to my bank. I talked to them about possible rejecting the ACH. They told me it is to late they had already paid Advance America off on XX/XX/2019. They gave me a print out of my account showing nothing was pending and said take that and try again to get my money refunded to me. I did and XXXX finally refunded only {$250.00} of the {$280.00} I paid them. I dont think pay day loans should be able to send a ACH for The whole amount when someone has paid on something. This is theft! This is ridiculous I had to chase my own money around like this!
03/20/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NC
  • 28326
Web Servicemember
I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.
11/02/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 770XX
Web
I spoke with the manager of the location. I verified that it is me. I told her to only call my cell phone if needed. I explained that I have been ill. I made arrangements to pay. The next day, another woman called my place of employment and one of my relatives before calling me. Then she called me and began to tell me that my loan was past due like I never spoke to her boss. I advised her that I had already made arrangements at which time she openly admitted she had not read the notes before she started her calling routine. A few minutes later my family member called me too, to tell me about the hed received. I called her back to ask why she had called at all and on top of that - called other people and my job when Im at home recovering and had explained that to her boss on the previous interaction. She said all she could do was apologize and have her boss call me back. I spoke with her boss and explained that I am still recovering and what they had done was causing me to tremble and be embarrassed. She agreed to take a lesser payment to compensate. I agreed to pay by XXXX. She told me Id get a reminder call on XX/XX/31 or XXXX. Today, XXXX, a woman named XXXX called me. Unfortunately, a family member died in my household yesterday and I told her this was not a good day. She continued to push to get me to commit to come in on Monday, after asking me to come today anyway. I told her about the death and she didnt even express condolences or care at all but continued with her business pressing me to commit to Monday and give her a time I would be in. I was so shaken, I forgot I am on bereavement on Monday. Im about to call them back to ask for XXXX, the manager, to call me back. I can not believe they are allowed to tell my family member the name of their business which clearly says what they do with being asked. They also proactively asked my family to deliver a message to me. I am aware they cant do that. Further, they called a day later than promised and when I told them Im in no condition to talk right now - she continued to press me. I wasnt going to file a complaint at first but now that this lady has called and ignored my valid request to grieve today, Id like a regulator to look into their collection practices and have them prove to you that they have appropriate training in place to avoid abuses like this and make reparations for their intent to embarrass me and treat me with no respect.
04/05/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • XXXXX
Web
Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. Please advise me as to what I can do to stop this terrorizing from this VENDOR. Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX To : XXXX Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}
12/10/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 92027
Web
XX/XX/XXXX My mom received a call first they did not state who they were they just said they were looking for me if her a phone number and a case number and for me to contact them immediately I immediately contacted them before getting to work and the woman did not say her name she just said she is calling to collect a debt and I asked her okay what day what company she just gave me the name of who I owed money to which is a payday loan she said this loan is from XXXX I told her okay can you give me a phone number and your name and I will contact you immediately as soon as I'm off work she then stated if I hang up on her there will be a police officer at my door a police officer at my job and they will be serving me with court papers because I'm going to be sued for fraud and breach of contract I explain to her I will work something out can I just please give you a call I have to go into work she then yelled and said do you not understand that if you hang up now it's going to be that you are unknown cooperative I explain to her I will cooperate if you let me give you a call back she then said no I'm sorry I'm going to put you down as uncooperative and that's it I hung up on her I then received five more calls from a different phone number and the lady did not say hi my name is or anything she just said did you talk to anyone I explained to her who is this she said I asked if you talk to anyone if not you're being sued I said who is this and she did not say her name she was just giving me attitude she also said I can do payment plans I told her okay I will do a payment plan but I need you to send me your information through email so I know where my money is going she said first payment you make then we will send you information I said no and then I told her I am not off work yet I will call you back when I'm done she then said no we're stealing you that's it I don't care we're going to garnish your wages we're taking everything that you have because you owe us {$450.00} I hung up on her and she kept calling and calling and calling and calling me it's frustrating because I am a single parent of two kids I don't make enough every two weeks and I'm barely getting by and for them to threaten me that I'm going to jail is just not okay because I'm literally all my kids have.
06/30/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MI
  • 48371
Web
I am writing to issue a formal complaint against Advance America regarding account # XXXX. I entered into a deferred presentment loan agreement with Advance America on XX/XX/2020 with a payment due date of XX/XX/2020. As evidenced in the attached agreement, I received a disclosure regarding my potential eligibility for the extended repayment plan allowed under Michigan law. I also received the attached disclosure advising of the same. On XX/XX/XXXX, I contacted Advance America to request the extended repayment plan for my loan. I was told by the customer service rep that Michigan law changed on XX/XX/XXXX such that borrowers were only allowed one extended repayment plan in 12 month period. I was further told the only option that was available to me was a payment extension for two weeks until XX/XX/XXXX. Although I could not find anything that confirmed the change to state law, I agreed to the payment extension as I was advised that was the only option available to me. I performed additional research which seems to indicate the information I was given was factually incorrect. I can not find anything that indicates a change to state law has occurred. I reached out again today ( XX/XX/XXXX ) to inquire about an extended repayment plan. This time I was told that it wasn't a change to state law but an internal policy of Advance America that only allows for one extended repayment plan in a 12 month period. This seems to directly contradict state law ( 482.2155 Sec. 35 ( 2 ) ). I pressed the supervisor I was chatting with on this and was told now that I was not eligible for the extended repayment plan because I agreed to the payment due date extension. I advised the only reason I agreed to the extension was because I was given incorrect information about my eligibility for the extended repayment plan. The supervisor was unwilling to accept that Advance America had failed to follow State of Michigan law and the terms of the loan agreement. I asked the supervisor to provide me with a letter saying I was denied the extended repayment plan. She responded that I could save our chat conversation but unfortunately there was no way to save the transcript and the session was disconnected before I could take a picture.
01/07/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TN
  • 38301
Web
Upon learning this unknown company called my relative inquiring about me and a debt, I received a call on XXXX XXXX, 2016 I spoke with a XXXX and was told she was with XXXX XXXX, a mediation company, in regards to a debt I have with Advance America a payday loan company. I informed them that they violated the Fair Credit Reporting Act for contacting a relative whom I did not have contact information for let alone on my application to contact nor my persmission to contact the relative. She informed me she got her contact information from a background check and they had the legal right to do so. At this time informed her I was being represented by a firm in which was handling my debt and if they had did a thorough enough background check they would know to contact them and not me nor any relatives in regards to this matter. She refused to obtain their contact information and I also informed her that I would not like to be contacted per my rights. I contacted my company representing my debt and informed them of the situation and they needed the company 's contact information as they had not heard of this group and informed to make no further contact and to not accept contact from them. Upon calling to get their contact information I was given to a XXXX XXXX whom stated he was Investment group whom buys these cases to make money, I was being sued by his Auditor at XXXX XXXX and the true company XXXX XXXX XXXX has already filed on the case yesterday after my call and if I wanted to settle or make payments it would be through his auditor XXXX XXXX and refused to give his address or contact information. I was informed to call Advance America, whom would say it was sold to XXXX, in which XXXX would send me to XXXX XXXX which is XXXX XXXX XXXX and that my firm I was working with has nothing to do with this matter and is nothing but a waste of my time and money. That I do not need to utilize them or gain their authority to make a deal now or I will be getting sued and that he could see that I 'm on a fixed income and the judge would make me pay about XXXX- {$90.00} a month and I have to take care of it or I will be getting sued because he only bought my case and plenty of others for the money off of them.
09/27/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 291XX
Web
On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.
02/24/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KS
  • 66109
Web
I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was XXXX XXXX XXXX XXXX XXXX. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from USPS that informs if mailings is being delivered and the XXXX XXXX XXXX XXXX violated the FDCPA ( 15 U.S. Code 1692k ). When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. No attempts was made prior to reporting on the Credit file. XXXX XXXX XXXX XXXX XXXX said that I owe Advance America XX/XX/XXXX. I contacted Advance America no as I have not received such info from the Business. I have done Business with Advance America in the past and the disputed with Advance America and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. I disputed with the Credit Bureaus and the 3 major Companies, XXXX, XXXX, and XXXX refuse to delete as XXXX XXXX XXXX said the info was correct. I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that I disputed the account. On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. XXXX XXXX XXXX XXXX XXXX fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the XXXX major credit bureaus and not handled properly.
05/11/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • OH
  • 43402
Web
This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. We still trust court actions will not be necessary and look forward to receiving payment by return. If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America
07/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
NOTICE New infomation New update I claim harm by way of trespass, fraud and Dishonor on XX/XX/XXXX ADVANCE AMERICA stated that they validated alleged debt after requesting " an authenticated record of accounting in order to validate and verify alleged debt '' this is what ADVANCE AMERICA sent " According to our records, XXXX XXXX entered into a Customer Agreement ( Agreement ) with Advance America on XX/XX/2021 at the storefront located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Under the Agreement, XXXX XXXX agreed to repay an amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ) in XXXX ( XXXX ) bi-weekly payments of XXXX XXXX XXXX dollars and XXXX cents ( {$200.00} ) each and XXXX ( XXXX ) final payment of XXXX XXXX XXXX dollars and XXXXr cents ( {$200.00} ). After receiving no successful payment from XXXX XXXX, his account entered into default status on XX/XX/2021 with a balance of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$1200.00} ). XXXX XXXX XXXX reach out to our collections department at XXXX to discuss mutually agreeable payment arrangements for his outstanding balance. Advance America strives for excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Based on the above, we hope this matter is resolved to your and XXXX XXXX satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, XXXX XXXX XXXX of Florida XXXX XXXX under any applicable laws, statutes or procedures. '' Notice to ADVANCE AMERICA I have the right to ask questions and you have a duty to answer them. I also have the right to obatin clear, complete and accurate information. I conditionally accept your offer upon proof of claim Pursuant to Federal Law 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( b ) ( c ) - Validation of debt Failure to comply with Federal Laws and dishonor I will hold the CEO, President and Vice President of ADVANCE AMERICA liable for fraud and dishonor.
06/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CA
  • 93444
Web
I am writing to report an incident of identity theft and a fraudulent cash loan that occurred on XX/XX/XXXX. I recently received information from the company " Advance America '' indicating that someone obtained a cash loan using my name in XXXX, XXXX. To provide you with relevant background information, I lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX to XX/XX/XXXX. Following that, I traveled to XXXX and resided there for XXXX months. Since XX/XX/XXXX, I have been living in the XXXX XXXX region at XXXX XXXX XXXX, XXXX, CA XXXX, which is my official address. During this period, I have also spent time in XXXX XXXX for XXXX at XXXX XXXX XXXX University. However, I have not returned to the XXXX XXXX in over a year, except for my graduation in XX/XX/XXXX. The fraudulent cash loan made under my name is deeply concerning. The perpetrator provided false information to " Advance America, '' including a fictitious email address and fabricated work details. It is important to note that I have not been employed since XXXX as I am a student. Although they attempted to access my bank account, their guess was incorrect. Furthermore, the individual managed to forge a signature that closely resembled mine, but it is still noticeably dissimilar. Despite the fact that the thieves provided incorrect information, they were still able to obtain the credit in cash. This company did not check my information that i provided last year. I didn't even work this year and the thieves gave something written from a fake job. Also, America Advance did not ask for ID to see if it was me or not. Given these circumstances, I am extremely worried that someone may be unlawfully utilizing my personal information to obtain credit or loans without my consent. This incident constitutes identity theft and fraud, and I kindly request your assistance in investigating this matter further. I would appreciate any steps you can take to identify the responsible party and prevent any further misuse of my personal information. Additionally, I can provide any other documentation or information that XXXX aid your investigation.
07/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 325XX
Web
Received the loan for {$500.00} on XX/XX/XXXX in store after the previous loan was paid off on XX/XX/XXXX for {$550.00} over the phone. The XX/XX/XXXX should have been due on my next payday XX/XX/XXXX, but the online system stated my payment wasnt due until XXXX. I tried to make a payment on XX/XX/XXXX through the online system, but for some reason it dated my payment for XXXX. I called customer service on XX/XX/XXXX and XX/XX/XXXX, to try to resolve the issue and both times the wait was over 2 hrs before I had to disconnect the call due to no response. I allowed the payment to process for XXXX, which it did ( I have proof from my bank statement ). I waited 24hrs and went to the branch to take out another loan, like normal. Once I got there the store representative advised my loan still showed open, but had a XXXX balance. I was advised I would have to wait until the account status showed closed which could be another 24hrs, and that I should call the online customer service to see what the issue is. I called the online customer service and waited about 30 mins and finally got ahold of the representative, I explained the situation and they told me because the payment was setup ACH and initiated in a branch ( even though the payment was made online ) and in the state of Florida I would have to wait 7 banking days before I could do another loan. I advised the representative at no time during creating my online account, through dealing with customer service, or through setting up my payment was I advised the time frame and ACH would have to process for. The representative said Yea we know we have issues with the website but advised nothing could be done. I feel it is egregious how this company is allowed to take my funds to pay my account immediately, but I have to wait because I wasnt advised on the time frame of the process. I have been doing business with this company for at least a year, so this isnt a new account issue. I also have other consumers who are dealing with the same issue with this company as well. This cant seem right. I am also seeking legal council.
05/27/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29687
Web Servicemember
I was called on XXXX XXXX , XXXX by XXXX XXXX XXXX who told me they were located in NY. The wanted to collect a debt for the pay day loan institution Cash Advance and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}. XXXX XXXX told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by Cash Advance . I received no mail or email whatsoever from XXXX XXXX XXXX prior nor after, not even a receipt. I paid it and discovered their XXXX company on my bank statement known as XXXX XXXX XXXX . I contacted them on XXXX XXXX , XXXX and told them that I suspected fraud with XXXX XXXX . They said they would refund me if something was wrong, and asked me if I was issued a receipt from XXXX XXXX . I said no and a few days later received an email receipt from XXXX XXXX and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted XXXX XXXX and the agent XXXX XXXX contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of Advance America who bought out Cash Advance . They said they sold the debt to a collection agency who went out of business in XXXX . My small debt was XXXX years old . They also advised me to contact the XXXX , FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from XXXX XXXX XXXX . Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
05/14/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90063
Web
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
04/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 45230
Web Older American
On XX/XX/2019 applied for installment loan with Advance America Center, in ohio. I was told my applications was " denied by XXXX. '' It was further communicated that the denial is as a result that " because could not validate my [ legal ] name at POS [ point of sale ] it would not pass Advance America 's MLA validation. '' I am not a military service person and have never served in any branch of the military and my name is what it is. It was further communicated that " in order to be approved for an installment loan a customer must pass MLA validation. '' [ however, from my interpretation of the law, that is not the way the Ohio law reads ]. Additionally, communication states that " if the lending center updates the POS [ point of sale ] to be a valid name [ meaning name other than my legal name and usage ] the customer should pass MLA validation and no longer be denied. '' I spoke w/a XXXX representative on XX/XX/2019, who says that my name is not listed w/MLA and don't know why it should or would be since I have no military status or service. Initially, Advance America claimed to have gotten this information from XXXX and XXXX. I spoke w/representatives from XXXX and XXXX who both says, " not so. '' and is sending me a copy of my credit report. [ updated from 4 years ago ]. Now Advance America is denying me an installment loan because my name is not what they say it should be. I have been a customer w/Advance, off and on, for almost 15 years and used no other name than my legal name. Now they tell me they will approve me for a loan " only '' if I apply using an illegal name. I have no outstanding accounts wi/Advance America. I feel this denial is discriminatory, suspect and unjust and blatantly a scapegoat for someone's negligence. I explained that all people make mistakes and i'm not upset about that, i'm upset that no one wants to correct it, but spend more time talking attitudinal with me about my name. I want to know what recourse I have to get this corrected?
01/11/2022 No
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 379XX
Web
I received a bill from the payday loan company Advance America on XX/XX/XXXX. I have never been to a pay day loan company nor do I need to take out a loan. I have over {$30000.00} in available credit, make over XXXX a year, and have no problem paying bills. I contacted Advance America immediately after receiving the bill that Friday to dispute via identity theft. The person who took the call stated I needed a police report. I hung up and called the XXXX XXXX XXXX XXXX and filed a police report # XXXX XXXX : XXXX. I called back to dispute the debt and go through the Fraud department. I found out that the debt was taken out on XXXX XXXX online. The person used my SSN and DOB. Additionally I verified that the phone number they used was XXXX ( my number is XXXX ) which is an Indiana phone number. They also verified that the bank account the funds were issued to was XXXX XXXX. I have never been to a XXXX XXXX ; I have accounts with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX I have relatives in Indiana and visit them every year just before XXXX to go to the pumpkin patch. My mother had someone living with her at the time named XXXX XXXX who she kicked out in XXXX. XXXX would have had access to all of my information. Advance America also stated the person used an email XXXX. My personal email is XXXX. Additionally they lied about my monthly income ( XXXX ). As an XXXX XXXX my base pay is XXXX a year, much more than XXXX. Finally, they advised me that when this happened a hard pull would have taken place on my credit reports. I checked all three, XXXX, XXXX XXXX, and XXXX and there were no credit inquires ; they just released the money. Advance America stated that they would get this taken care of and that this was obviously fraud. Yesterday, XX/XX/XXXX I received another bill with an even higher amount. Additionally it appears someone made a {$180.00} payment. This obviously has not been taken care of and I would imagine the person that sent them the check for {$180.00} is the culprit.
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • NV
  • 89145
Web Servicemember
Advance America XXXX XXXX XXXX XXXX is refusing to allow my loan to process and are using all kinds of manufactured excuses and or jargon and double-talk against FCRA regulations and or protocols such as age, gender, background and all other reason that are biased and not based on factual or any fraudulent reasons other than direct and intentional denial of proper funding for my emergency needs such as emergency relocating due to extenuating and mitigating circumstances surrounding sufferage, unfair treatment and credit reports endorsing non-factual information from Lenders specializing in Consumer Sabotage and using pushy tactics and or unauthorized use of personal info data and the likes to access and use deter or prolong the actual use of my established or non-established credit this loan was pre-approved as loan towards my accepted tax return in which I am solely responsible so this is not even average or normal consumer funding in addition it was and is directly for emergency use for business, home, and automotive care and needs in order to stop and prevent any further damage to the credit I was so wonderfully establishing building with all of my last years interactions and openings. So the assistance and progress that was going on was stagnated and stopped by unfair and unethical trade practices intiated by the same people who are to protect my credit and accounts they've allowed accounts to get closed instead of corrections refusing to fix or honor my consumer wishes allowing multiple of my payment methods to be compromised by NON-account holders on non-joint accounts allowing access to my funds data and privacy by non-account holders and ignoring my constant. Request for disputes or discrepancy. So I am reporting this violating of the FCRA and denying my access to pre-approved funding on my tax return funds. Insinuating my authentication or identity is in any way wrong or not me based on the use of shortened version of my first name in which irs is fully aware of.
08/01/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OR
  • 97013
Web
XXXX today i was contacted from a someone who serves document for suing and being taken to court. i was given a phone number and a case number from this individual over the phone. i had called the phone number given at XXXX XXXX. i had proceeded to contact this company and listen to what they had to say. i had explained to them that this debt is not a valid debt as i have been in contact with company i had gotten the loan from. after about 3-5 minutes of explaining. she had put me on hold and talked to her supervisor and told me that this is valid. she said that i would have to look at the documents to get the information from. i was told that someone had stopped by yesterday XX/XX/XXXX and there was no answer from the door and that someone will be out again today XX/XX/XXXX. she couldn't tell me the amount that was supposedly owed. as i had gotten the name of the company and i had talked to them months before and now they are changing there tactics. i had asked for them to please stop calling and that i will be blocking this phone number. this time was a different phone number not a robo caller but i did get a live person and i haven't in the past they had answered right away i had tried multiple times in the past for them to call the loan company and i was told this is not my job from a/the supervisor. XXXX i had called the original company where this was all started. I had talked to someone in the front office as they called it. i had talked to them for about 10 minutes at this point. she had transfered me to the back office i had talked to another individual. she pulled up my account and had confirmed as well that this debt is not a valid debt. she is sending me a screen shot of the debt not being owed and that it is no longer valid along with the collections agencies that have been reporting to them. she had also told me that this was done back in the year XX/XX/XXXX from a washington location. i am still waiting for the this to be emailed to me at this time.
03/23/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78653
Web Servicemember
On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( collection company ) stating they had acquired an unpaid payday loan from AdvanceAmerica. I notified XXXX XXXX XXXX that the debt had been settled in XXXX of XXXX with AdvanceAmerica and submitted a copy of a bank statement page showing the payment made to AdvanceAmerica, along with an email confirmation from AdvanceAmerica stating that the balance was paid. The collection company then submitted the information to AdvanceAmerica for review. As of XXXX the collection company has not received a response from AdvanceAmerica. On XX/XX/XXXX, I followed up with the collection agency and was told they were still awaiting a response from AdvanceAmerica. That same day, I called AdvanceAmerica and spoke with a representative who asked me to upload copies of the documents I had sent to the collection agency. I did just that, however, I never heard back from AdvanceAmerica. On XX/XX/XXXX, I once again called AdvanceAmerica and was told that the documentation I had submitted was insufficient and that they needed my entire bank statement showing all of my personal expenses. For reference, the original statement I sent them had my personal expenses and transactions blacked out since they were unrelated to the balance in question. The payment made to AdvanceAmerica, however, was NOT blacked out and could be fully verified. I was told by the supervisor at AdvanceAmerica that I would need to submit an un-redacted copy of my bank statement which shows confidential information. I let the supervisor know that the payment in question was clearly visible on the statement I submitted and there was no reason they needed to see all other personal transactions. I was told that was their policy and unless I submitted a copy of my statement showing my personal expenses, balances ( which includes savings and investment accounts ), that they would not verify the payment and ensure that my account with them was accurately updated.
01/14/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • CA
  • 95350
Web
On XX/XX/2019 I was blocked in my driveway by a man and his tow truck. I asked the man to remove himself from the property but the man refused and threatened me saying " if you do not give up the vehicle then I will call the police and have you arrested '' the man called another man to the block an end to blocking the entire XXXX XXXX access to the front of the of my house when the second man arrived he walked up to me and demanded I give him the key to my car I argued and both tow truck drivers grabbed my car key from my hand and I wrestled with them both for a only a second or two they told me to remove my belongings from the car or they would be forced to remove it at some point then after I removed my belongings the second tow truck driver said to me Sia in court I contacted the lender only for them to request the full amount of the auto loan title loan I had obtained in XXXX plus interest which was approximately {$3200.00} I was not able to come up with all of the {$3200.00} I haven't heard from the lender since the repossession of my car according to contract and federal consumer law all right it is applicable and lawful to inform a client or consumer income in contract about the sale of property the lender has never informed me of any information regarding the whereabouts of my car or the planning of the sale of my car or the amount that they sold my car for I am asking that I be confiscated in the amount of the loan the original loan amount of {$2500.00} for the loss of my vehicle the loss of my employment the grief of being uninformed of the sale of my car and I requested the tow truck tow company compensate me for mishandling my private agreement with the lender in the amount of {$6400.00} that cost the original cost of my car at the time of purchase .XXXX XXXX the lender company is Advance America in XXXX California and the tow company is a private third party that the lender used to repossess the vehicle from me.
12/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60634
Web
I received a certified letter stating that my loan was finally paid off on XX/XX/XXXX! This was after they dated and sent out the letter on XX/XX/XXXX! I contacted the company on XX/XX/XXXX to find out that my loan had been paid off and I no longer owed Advanced America. I have since had to contact them 2-3 times a week to see if they have received my over payment check back in the mail. I contacted the company on XX/XX/XXXX to receive an attitude for the worker. I was told that they can cancel the check that was mailed to me after it was sent to an address no longer used. I received the letter stating that my loan was paid off at one address but they mailed a check to another address! It would then take 2 months for them to issue me a new check! That is completely unacceptable as they didn't think twice about receiving the money from them so why should they need this long to issue a new check? I do not appreciate getting an attitude when I am asking because I need the money as once again I am hurting for cash but I refuse to take out another payday installment loan! There are other ways of handling things when I am not even giving you an attitude. Since XX/XX/XXXX I have had to contact the company and contact the post office to see what is going on! I have wasted more of my time than should've been needed to correct this in result of using this company. I was indirectly called a lier as Advanced America does not send out certified letters however I received a certified letter in the mail at my home stating that my loan payments were completed. The employee continued to give me an attitude and state that they do not send out certified letters when loans are paid off but I can be sure to bring it into the location just to prove that I received it. I am unsatisfied with the treatment I have received from the employees at this company. There has been no problem up until now ... .why? Because my loan is paid off?
12/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 445XX
Web Older American, Servicemember
On XXXX/XXXX/XXXX I made a loan with XXXX XXXX XXXX in the amount of {$1200.00}. The company was operating out of a Advance America store in XXXX, Ohio. Believing it was a typical small loan with going interest rate of of 24 to 28 % I signed the contract. The payments are {$330.00} per month. After making five payments I decided to payoff the loan believing The payments made had brought the loan to a small amount. I was shocked to find I still owed seven more payments of {$330.00} which totaled XXXX. The finance charge is {$2700.00} @ a rate of 307.76 %. I contacted and complained to the service center @ XXXX XXXX XXXX XXXX XXXX. I then went to my XXXX XXXX and had a stop payment made on my auto withdrawal account. I also called XXXX hot line and was assured they would stop the payment and adjust the account. This occurred around XXXX/XXXX/XXXX. I received a letter from XXXX dated XXXX/XXXX/XXXX saying I was obligated to still obligated to pay the seven payments On XXXX/XXXX/XXXX I receive a letter from Advance America stating their company had assisted me in acquiring the loan and they were assigned my loan which had a balance of {$2100.00} owned to Advance America.. On XXXX/XXXX/XXXX {$500.00} was taken out of my bank account without my authorization .There was only {$5.00} in the account.causing it to be overdrawn for a minus - {$530.00} including fees. I went to the band was told they could not do anything because the Company had changed the withdrawal amount. the letter from XXXX states they are going to withdraw another ( 4 ) payments of {$500.00} from my account.. The bank is trying to stop this from occurring. I am XXXX XXXX XXXX and can not afford to lose the amount of money. This type of operation must not continue. Finance Companies should not be allowed to take advantage of those in need of of loans especially elderly and uninformed seniors. PLEASE HELP TO STOP THIS PROCESS.
12/08/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • KS
  • 67801
Web
CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP. THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.
01/29/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32256
Web
On XX/XX/XXXX my wife XXXX XXXX received a text from XXXX saying that " I ( they ) need a call from you ( my wife ) today XXXX XXXX there is an urgent matter we need to discuss ''. I called the number from my phone and spoke to XXXX from XXXX XXXX. He said there was a payday loan from Advance America from XXXX for {$510.00} that they were willing to settle today for {$400.00}. I told him that I wish to dispute this as I do not recall having had such a loan, although my ex-wife did take several loans from Advance America. He said I would have to dispute this directly with Advance America and that XXXX XXXX would continue with their collection efforts including adding this to my credit file. When asked, he refused to give me their address for me to mail them my dispute since I received nothing from them in writing. He said he needed to put me on hold to get the number to Advance America, then he disconnected the call. I immediately called back and he picked up and disconnected the call again. I called again and spoke to another rep ( a female whom I can't remember her name ). She gave me the address when I asked for it but when I asked to speak to a Manager the call was disconnected again. I called from my wife 's phone and spoke with a female named XXXX. She said she would not be able to give me the number to Advance and that I would have to find the number online or by another means, that they would not be sending me written notice because they sent it to an address I moved away from in XXXX ( even though all address changes have been submitted to the United States Postal Service ), and that XXXX XXXX would proceed with processing this as a collection against me even if I dispute it with Advance America. When I told her that I wanted to speak to a Manager, the call was again disconnected. I still have nothing in writing and no reference to this supposed debt.
07/25/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 64804
Web
On or about XX/XX/XXXX I XXXX XXXX maiden name XXXX XXXX took out a loan with Advance America unfortunately I had an economic hardship and wasnt able to payback said loan but today per an Advance America representative they sold my acct/loan to XXXX XXXX XXXX on or about XX/XX/XXXX XXXX XXXX XXXX on or about XX/XX/XXXX per a Representative hired XXXX XXXX to collect on said account however for the past 3 years around tax time and again today of XX/XX/XXXX another frivolous company a name you cant find anywhere called from # XXXX called stating they were attempting to collect the debt on behalf of Advance America and had my Social Security number and date of birth and amount owed I today XX/XX/XXXX called Advance America and they stated there is a scam going around so I diligently asked if they had a data breach they said NO and advised me to contact XXXX XXXX XXXX which also advised me they didnt have NO data breach and they advised me to contact XXXX XXXX who also advised me they had NO data breach. Please understand this loan being outside the Missouri Statue of Limitations of 5yrs and the Fair Credit Reporting Act of 7yrs and a clear Violation of the FDCPA otherwise known as the Fair Debt Collection Practices Act there was definitely a breach of data with one of these ( 3 ) collection companies falling back to original creditor Advance America as they admit their are scammers calling and there all aware of this occurring but unsure how or why but obviously one of them have failed to advise the FTC Federal Trade Commission of this to warn consumers! This debt is now ( void ) in that its well outside the Statue of Limitations & Fair Credit Reporting Act & one of these ( 3 ) companies violated the FDCPA and consequences should entail a Class Action Lawsuit! And or an investigation by the Missouri Attorney Generals office and or Federal review/audit!
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33967
Web
Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is Advance America. The current creditor is XXXX XXXX XXXX Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
05/26/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • TX
  • 78759
Web
In desperation to quickly cover a few unplanned expenses, I took out a {$500.00} installment loan from Advance America. I knew the interest would be high. And it was. Very. But, " desperate times ... etc '' I thought. I began the process of paying back my loan when I noticed the miserable, almost non-existent amount the principle had gone down. Out of the {$470.00} (? ) given thus far, a meager {$68.00} went beyond their interest rate. The real culprit however appears to be a line item detailed as " CSO fee ''. Example : My last payment for {$200.00} ( {$100.00} more than the minimum due ) made on XX/XX/XXXX applied {$10.00} to my principal. The remaining {$190.00} went toward CSO fees and interest due. All excess funds after the minimum due was paid, went to the NEXT payment 's CSO fees..not the principal. While signing my paperwork, I was shown the total amount paid *were I to go the entirety of the loan term ; I was shocked. I 'll have paid almost {$2000.00} on a {$500.00} loan. I assured the employee overseeing the agreement, of an early payoff. Twice. Any other lending institution would interpret that as 'a resolve to pay less in fees and interest '. My associate met that comment with silence. Twice. I see now why. Clarifying that an early payoff does little to diminish the original amount borrowed, probably is n't great for business. At best, Payday lending practices are exploitive and predatory. Installment loans however, are a new and vicious tool for wealth extraction, ensuring financial indentured servitude. I take responsibility for failing to comprehend the terms. I quite honestly lacked the imagination for a loan of this structure. I still find its legality unfathomable. We would imprison an individual for privately lending with these terms. And yet this industry loans with relative impunity?
06/11/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CA
  • 92612
Web
Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. This is the XXXX final chance for you. This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
02/28/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • GA
  • 30274
Web Servicemember
I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
03/06/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 37115
Web
Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
09/17/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • IN
  • 464XX
Web Servicemember
XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.
09/16/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 752XX
Web
This is a notice to cease and desist all communication in attempt to collect this debt unless it is a response to provide me with my specified remedy. This company is required by law to do what I am demanding. I am asking your company to cease all communication with me through any and all mediums in regards to the alleged debt that is claiming to be owed unless you are invoking a specified remedy that I am asking for. According to 15 usc 1692a ( 2 ) - the term communication means the conveying of in information regarding a debt directly or indirectly to any person through any medium. Any medium includes any written, oral, electronic. Therefore my consumer report to which you are furnishing is bearing information regarding this alleged debt which would be a communication under the FDCPA. I am hereby providing you formal notice to cease and further communication regarding this account immediately which includes telephone, email, social media and any consumer reporting agency in which you have furnished information. Any further contact from your agency except a communication confirming your acknowledgment of any letter or specified remedy is a direct violation of the Fair Debt Collection Practices Act. I am also asking for compensation of {$1000.00} for this alleged debt being reported onto my consumer report which is harming my reputation and violation of 15 USC 1692d ( 1 ) any bad debt furnished onto my consumer report causes injury for me to provide for my family. If you do not cease communication and remove derogatory information from my consumer report a lawsuit will be commenced upon your company for compensatory damages
03/29/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29730
Web
I received a payday loan from Advance America in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX, SC XXXX. I assumed my loan had been paid off. I have received calls periodically over the past XXXX years from some type of third party agency stating I still have an outstanding debt to pay back. They last contacted me on Thursday XX/XX/XXXX. They first called my mobile phone and left a voice message and turned around and contacted my administrator before even allowing me to call them back which I DO NOT appreciate. I have NEVER received anything in writing from them, and when I ask for a certified letter of what I owe I'm always told they have tried to contact me by phone several times. They go on to tell me I owe {$240.00} and will turn around and say I owe {$840.00} in interest. When I try to contact the local branch of Advance America where I received the loan from, they tell me they can't help me and refer me back to that same agency that I don't even know the name of. They only reference their name, my case file #, and that they are going to take legal action. Again, this has gone on for over XXXX years now and I have yet to see any type of legal action take place. I will pay back what I owe IF I owe something but they will need to send me something in writing first. I'm complaining about Advance America because of the confusion and because of the third party collection agency they use. I don't need to be threatened by anyone of legal action. And I don't want calls being made to my place of employment! They are VERY rude and won't let the consumer talk. They talk over you and get louder when you're trying to get your point across.
01/23/2021 No
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 328XX
Web
On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and Advance America improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from Advance America, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the XXXX XXXX, XXXX, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, XXXX XXXX, XXXX has purchased the so-called Advance America loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, XXXX XXXX, XXXX.
12/31/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MD
  • 20782
Web
I took out a loan with Advance America in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or XXXX XXXX and XXXX XXXX has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted Advance America and found out {$310.00} was all I owed and that they ( Advance America ) sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed Advance America {$310.00}. I would like to pay my debt of {$310.00} to Advance America directly.
12/14/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 454XX
Web Older American, Servicemember
I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX
02/10/2017 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 90405
Web Older American
A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.
04/16/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 93720
Web
I got a call on my cell phone, work phone, and a friend 's phone from a XXXX XXXX XXXX stating that, " I am with the legal offices of XXXX and XXXX, we have been retained, we have multiple infractions, several violations being filed against you in our office. At this point there is a pending services summons involved. If you wish to settle this matter before we seek appropriate relief before the courts of proper jurisdiction at all, I strongly suggest either you or your legal representing party return this call before XXXX XXXX eastern standard time this evening. My toll free number is XXXX. Thank you. '' I called the number and a XXXX with Client Services answered the phone. I asked what business I was calling and he said I was calling an attorney. I asked again, what business the attorney worked for and was told that he didn't want to re-hash everything. He wanted to know if I wanted to handle the debt I owed before they took legal action. He said I owe {$120.00} to Advance America which has been paid off for years. I asked who owned the debt and he said " XXXX XXXX ''. I AGAIN asked for their mailing address and was told AGAIN that he didn't want to re-hash anything. He asked my to confirm my phone number and DOB and wouldn't give me any info. When I told him I was going to report him to the FTC, he started SCREAMING at me to pay my debt. I hung up. This is clearly a scam and they need to STOP CALLING people. Please note that they called from a local number of XXXX but the call back number was out of state. Thanks!
08/20/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 76106
Web Servicemember
Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. I committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. They called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. I made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. The contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. This is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information.
04/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IA
  • 521XX
Web Older American
To Whom It May Concern, Please may I ask for your help? Due to my wife needing XXXX. I was forced to take a pay-day loan from a company in XXXX XXXX, Wisconsin. Due to the COVID - 19 outbreak I have now lost my job of 12 years. The company is known as Advance America. The interest on this loan is 235 % annually. I called the company and inquired if due to the pandemic, the company was not allowing for interest to accrue. I was told there are no requirements for the company to abide by. This seems outrageous to me, as all regulated banking institutions are working out forbearance agreements with their customers. Why does not the State of Wisconsin allow for companies to operate such as this? Every other company that I am dealing with, is allowing for no accrued interest and no late fee penalties. The company takes the stance that they are here to help those in need, Really? If so, help now when the world is devastated. I sincerely want to get the organization paid in full as fast as possible but I need their cooperation. I sincerely can not pay interest in the hundreds of extra dollars This company also assured me that they do not do hard inquiries on credit reports, yet I have them on my credit report. This I feel is taking severe advantage of individuals that are in trouble financially. I needed a " fast '' loan that I had all good intentions of paying back within 2 months. Then the world fell apart and now I am stuck. May I please ask for your support in these difficult times, Thank you
02/13/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • LA
  • 704XX
Web
I do not have specific dates or times, but I took out a loan for XXXX the repayment was XXXX. The payday loan company advance america was informed when I took the loan that I had date specific pay dates. I paid on the same day every month. One particular month I was told that the specific date that needed to be drafted could not be accepted. I explained that the funds would not be there due to not getting paid on that date. Representative said okay and that they would still draft and continue to try and draft. Account was closed. I called the company when I received tax funds last year to pay, but was told that the settlement amount offered a month in advance had expired and that I had to pay XXXX more than what was originally owed. I looked up the laws, so is it fair to say that I now ow XXXX dollars from a XXXX balance? It stated that one NSF Fee was allowed to be charged. Where did the XXXX come from. My job old job has been called several times about the matter and company was told I no longer work there. It is unfair when I tried to pay the company last year and they refused to work with me. I can not afford the XXXX, but have read about court, garnishment, and so forth. I know it can not be criminal charges, but I can not afford a civil lawsuit either. The company came up with a repayment plan, but the amount of the repayment was much more than what I could afford. The company does not care about what you can afford to pay back at a time they want the amount they want or nothing.
12/28/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44146
Web Servicemember
I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached.
09/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33157
Web Older American
ADVANCE AMERICA LOAN NO. XXXX On XX/XX/XXXX I made a full payment in the amount of {$1000.00} with my XXXX Debit card. Payment was accepted. Two days later, I went to the local office to take out another loan and to my surprise, my account did not reflect the payment I made on line. I called customer service and explain the problem in detail, the agent informed me that she would forward the problem to her IT department to investigate what happen to my debit card payment and someone would call me back with the answer. NO ONE CALLED ME. Also keep in mind that I sent to messages via Adv. Amer. website and to this date no one has replied. I called on Tuesday morning and was told by a second agent that the payment failed and was not processed. I was very upset but at least had the answer so this time I used my XXXX checking account to make the payment which was now over {$1100.00} ( paid additional interest for Adv. Ame. XXXX UP ) The money was taken from my XXXX account the same night XX/XX/XXXX and the Adv. America shows XXXX balance. Today XX/XX/XXXX I went to take out another loan and was told that the " payment was still in process '' and I had to wait 3-5 days to be able to borrow again. I was never given the opportunity to call XXXX to confirm that Adv. American had been paid. I made a third call and this time I spoke to a supervisor and she did not do anything to resolve this issue and refuse to do anything about the additional interest I had to pay through no fault of mine.
09/29/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • SC
  • 29550
Web
I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34243
Web
Consumer Adjustment Company is reporting on my credit reports that I owe money to Advance America, {$250.00}. I have never received a phone call nor a letter from either the collector or AA. The collector told me the loan was taken out XX/XX/XXXX at XXXX # XXXX. I called AA corporate office and spoke with XXXX and she said there is no loan, nor has there ever been a loan taken out from me from any store. I applied, but did not receive the loan. I was denied a loan. In XXXX I was living in XXXX XXXX, SD. Store XXXX is in XXXX XXXX, SD. I haven't been to XXXX XXXX, SD in literally decades. The biggest part of this is that AA confirmed that due to the law changing surrounding the interest rates being capped in South Dakota, AA stopped doing business in South Dakota as a whole in XXXX. If they stopped doing business in South Dakota in XXXX, how could I have taken out a loan from a South Dakota store in XXXX? The collector also told me that AA wouldn't be able to find me in their system without an account number, which they never even gave to me. When I spoke with XXXX at AA, she said that's a boldface lie and that they keep records for up to 15 years. Another interesting fact is that the collection company also said they took over another loan from AA in the amount of {$750.00} ( or so ) and I have since been able to remove that from my credit report by myself. Now this one popped up. I am so angry and trying to clean up my credit and they keep putting things on my credit reports!
09/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 67114
Web
I had an injury to my XXXX and needed time off that wasn't covered by sick leave and so am having financial issues, my bank stopped payment on the loan, I did not request a stop payment. Advance America has been calling everyday, sometimes twice. Due to financial difficulties I am in between phones now. I sent in via their email delivery system, that I needed an payment plan sent to me through email to start repaying the debt. They have now started calling my work place, I am uncomfortable discussing my debt at the work place. They have called once XX/XX/22 around XXXX and then again around XXXX. They were informed by our front desk to contact me via email. The woman responded that she has no way to do that. I have already asked them via email to cease and desist phone contact and prefer email. This seems to be harassment since they are contacting me at work. Also their repayment schedule makes no sense. All of the payments vary and are never the same which makes budgeting very difficult. Their interest is also absolutely ridiculously high and seems to fluctuate based on what they want to charge you for that period. They present you with an initial repayment schedule but once you start paying it off it disappears, the payments never seem to have an end date and can go on as long as Advance America deems appropriate. They take advantage of those in financial crisis. The in-person team I worked with before always seemed helpful but now that it's online it seems very deceptive.
04/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • TX
  • 78664
Web
My identity was stolen and used to open several payday loans through Advance America online. I was unaware of these loans until I started to receive past due bills. I contacted Advance America and notified them that this was identity theft and filed a police report which I also sent them on XX/XX/XXXX of XXXX. I was told that if I filed a police report and sent it to them that I would not be liable for these loans. They have now sold them to debt collectors who are harassing my family, they are not contacting me directly because the phone number that they have is one I have never owned and one that the suspect used to open the loans. I have contacted Advance America several times and have also contacted the debt collector XXXX several times and am being told they can not give me any information and that I have to go to court and present my case to a judge. I dont see how that is legal. The loans should have never been sold and I was never contacted by them. I also dont see how its legal to give one person so many loans within such a short period of time. XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$870.00}
03/02/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • CA
  • 95747
Web
URGENT FEAR MY CAR COULD BE REPOSSESS DUE TO " ADVANCE AMERICA '' NOT POSTING MY PAYMENTS PROPERLY DUE TO INACURRATE ACCOUNTING AND CHARGING EXTREME EXCESSIVE FEES ON A TITLE LOAN AND PAYDAY LOAN. I AM FILING a complaint as there are several major problem with a company called " Advance America '' ( Car Title and Payday loan ). Advance America steered me into taking out a higher Title Loan Amount, of {$3000.00} causing the Interest Rate of this title loan to exceed the 30 % cap max on a {$2500.00} title loan ( that is what I requested ) but employees steered me into taking out {$3000.00} Car Title Loan ( they have my Pink Slip as collateral ) and the interest rate I am being charged is XXXX ADVANCE AMERICA NEVER DISCLOSED TO ME THAT THE INTEREST RATE WOULD BE EXTREMELY HIGHER ON A {$3000.00} LOAN AMOUNT THAN ON A {$2500.00}. I am having major problems with ADVANCE AMERICA not posting my payment correctly, they have forged signatures on receipts, charging me additional fees, payments missing, have not posted payments correctly. My last 3 payments PAID ON THIS LOAN NOTHING HAS BEEN POSTED TO PRINCIPAL ETC. ( SEE EXPLANATION LETTER ATTACHED FOR COMPLETE DETAILS ADVANVE America also had me take out a PaYDAY LOAN that was not necessary and charged me a INTEREST RATE OF ALMOST 1000 % ( SEE ATTACHED LETTER ). PLEASE CONTACT MYSELF XXXX XXXX AT ( XXXX ) PRIOR TO CONTACTING " ADVANCE AMERICA '' AS I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT. THANK YOU
09/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48174
Web
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XX/XX/1970, 84 Stat. 1128. )
06/14/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • OK
  • 74701
Web
XXXX / XXXX / XXXX I was called by a XXXX XXXX from XXXX XXXX XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time XXXX XXXX was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between XXXX XXXX after I have told them in the past to never call me at my job.
07/18/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TX
  • 754XX
Web Older American, Servicemember
I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.
11/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • IL
  • XXXXX
Web
This is my third PAY DAY loan with Advance America in XXXX, IN. On Tuesday, XX/XX/2019 I went to take a PAY DAY loan in the amount of {$600.00}. The agent that signed the attached loan agreement, stated my repayment date was XX/XX/XXXX. The assistant manager, XXXX, stepped up and stated that wasn't true. The loan was due in 14 days which would be XX/XX/XXXX. The rep that was assisting me stated, " If that's the way you do it, OK. '' I then challenged the assistant manager. I stated what you are doing is unethical. It's called a PAYDAY loan, not a 14-day loan. She tried to explain how that works, then called the store manager to get his approval to proceed. I asked her if you're not doing any illegal, why do you have to get the store manager 's approval. What this site is doing is they tell you if you don't pay it on the date they have given you ( NOT THE PAYDAY LOAN DATE ), it will cause unpleasantries for you. Your name will be submitted to the database in Indiana, which won't allow you to get any other loans, and you won't be able to write a check. " SCARE TACTICS! '' Then XXXX explained to me you can pay it, and turn around and get it right back the same day that you pay it. In essence, in a month 's period you are paying a {$150.00} finance charge, versus a {$77.00} finance charge, depending on the day that you obtained the loan. Advance America is lending unethically.
01/19/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 93063
Web
The calls from the company that is saying their name is XXXX XXXX started on Monday XX/XX/XXXX, they were calling my number and my fiance 's number with a message to serve.This morning my fiance received a call from an unknown number stating her name was XXXX XXXX. My fiance asked me for the last of my SS and from there XXXX XXXX stated she was going to have XXXX ( my fiance ) arrested for not giving out my phone number. She also told XXXX what the debt was and when it was from XX/XX/XXXX. I then told XXXX give them my phone number and asked them for the company name and address, XXXX was then hung up on. After that call I called XXXX and spoke with a representative stating this is my Debt from XXXX {$1500.00} court cost and {$510.00} cost to Advance America. I first asked for a validation of the debt, which she said she can not provide.I mentioned this debt is way passed the statue of limitations and said it was not.While I was on the phone with her my fiance got another call from the same company in which then she handed me the phone. I told her she can not threaten to have anyone arrested or sued over the phone as it is against the FDCPA. The representative stated if they are impeding on the investigation they can have them arrested This is a HUGE FDCPA case in which this company need to be closed for their improper business practices.
02/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • KS
  • 660XX
Web
I was called today by Advance America and informed that my payment had not gone through on the XXXX, the date it was scheduled to be withdrawn from my checking account, and that I needed to pay that today. It was only after I asked as to why it had not gone through that I was told of a network outage at Advance America on the date it was to be processed that caused the payments to not go through. I told them I would need to check my bank account and get back to them. I checked my bank account and there was a withdrawal, for the full payment amount, by Advance America on the XXXX. When I called back I was told and explained that, I was then informed that the treasury had begun recognizing the payments from the dates of the network outage and that they would soon be able to see if the payment had gone through or not. I verified several times with them that they had called me informing me my payment had not gone through, when they in fact had no idea if it had processed or not, and informed me that the payment had not gone through, and that I needed to pay my bill today. At no point before I asked was I told that there had been a network outage and that they did not know if the payment had processed or not until I began to ask questions. Just simply that my payment had not gone through ( when it had ) and that I needed to pay today.
01/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TN
  • 37115
Web
In response to the company response regarding complaint number XXXX, theyll receive notice via certified mail regarding the fraud in which theyve chosen to uphold at Advance America . Theres no such thing as XXXX XXXX XXXX XXXX which is necromancy, therefore they failed to state whether or not they are referring to a person or Natural Living Man. Theyve also refused to answer the question as to what language are they speaking in because they are aware that they are committing fraud by converting Men and Women into Corporate Legal Fictions. Theyve also refused to admit that its against the law to deny Man or Woman their own credit, therefore when employees of Advance America denies Man or Woman their credits, Advance America is stealing and extorting that Man or Woman of their life, liberty, enjoyment and pursuit of happiness to provide for themselves. Advance America conspires with other financial institutions such as consumer reporting agencies for financial gain which is a conflict of interest. Advance America must answer the following questions : is Advance America the member of the XXXX XXXX XXXX Is Advance America ran, operated by Bar Members? Is Advance America the financial instrument which is in fact the instrument of the bar association via XXXX XXXX XXXX I look forward to receiving these responses post haste.
04/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MS
  • 390XX
Web
I went to Advance America to inquire about a loan ' I have never been inside of this business, I called first to ask what I had to have to receive a loan with them so I got the information they ask for and the XXXX that was there did my application this was on my birthday in XXXX and she never could look me in my eyes and never said any thing straight to me ; she told me that if I got the loan i could pay it off when ever I wanted to ; she did not tell me that I would have to pay back the same amount I borrowed ; that the I would only be paying XXXX or XXXX dollars on the actually account ; my bill was never going down I made XXXX payments and I stopped the XXXX one because I was not paying on the actually bill my payments was XXXX ; I ever received a receipt in the mail, I went up there and talked to XXXX of the workers and she gave me all of my paperwork ; I looked and seen I was not paying off this loan at all, these people at Advance America is targeting people that is on a fixed income no one that was young. I got a call on the today which is XX/XX/XXXX I told the young lady that it should be against the law to charge elderly or any person that much interest 248 % I had XXXX payment and they had me paying back XXXX XXXX dollars 3 times what I borrowed the account would never go down to pay it off.
01/05/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 95901
Web
On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations.
01/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37115
Web
What language is being used regarding such XXXX? Is it XXXX XXXX, XXXX Manual of Styles or XXXX XXXX XXXX? In reference to claim number XXXX submitted to the consumer financial protection bureau provide proof the this company is in fact in the business of purchasing securities. Theres no such thing as finding lenders to give the Natural Living Man the credit that he deserves when hes who extends credit to corporations. Man has the security interest in the promissory note which is owed to him because Corporations are bankrupt under the emergency banking act and have been since 1933 and pursuant to 18 U.S.C. 8- debts are obligations that employees of the United States Corporation must discharge. Therefore theres no such thing as debt and its Natural Living Man who holds the credits. Theres no lawful money if so than the Corporations must compensate the Natural Living. Corporations have privileges which can only be granted by the Natural Living and Corporations can only deal with other Corporations. Thus why the All Capital Pseudonym was created by employees of a Private Corporations that handles non public information which is being passed around and used by way of the act of conversion which is not only illegal but does not benefit the Natural Living Man whos the beneficiary and number holder.
05/05/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • TN
  • 377XX
Web
I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.
03/16/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • WV
  • 261XX
Web
On XX/XX/2022, my father called me to tell me that a company was trying to get in touch with me about a debt I owed. The message they left on my parent 's answering machine implied that I would be served to appear in court in XXXX XXXX, WV if the debt was not taken care of. I called the number that was left in the message on XX/XX/2022 and was informed that two outstanding debts are in default and the loan holders were going to press charges. I was told I could be sued for {$1500.00} or pay them {$650.00} and they could take care of the situation. I asked what debts specifically they were trying to collect, upon ; I was told they were just the legal department of a third party company, and I would have to call Advance America to backtrack the debt. I said I would call them, I looked up Advanced America online, and they are a payday loan service operating out of Indiana, with no branches in West Virginia, where I live. Later that evening, my youngest brother, who I haven't spoken to in years, called me to say they also called him trying to find me. I haven't changed my address or phone number in years, and I have never been contacted my the representatives of any company in regards to Advanced America, as I have never applied or received a " payday '' loan
04/24/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 45040
Web
I have enrolled in a Debt Management Program and contacted my payday lenders to revoke authorization for ach payments. Advance America responded to my email and agreed to stop the ach. The email included my account number for tracking purposes and the email address associated with the account. On XX/XX/XXXX they went forward and withdrew the entire amount of the loan despite being contacted by me and by the Debt Management company. When I contacted them they said they had no record of a communication between us and they had never received any information from the company I was working with. I told them I had the email communication and they response I got was that they had no evidence of an email and it was too late for me to do anything about it. I spoke with the company I was working with and they indicated that they had emailed and faxed Advance America and spoke with a representative about the account. I had to find another way to obtain {$2000.00} immediately on Friday in order to cover my account and keep it from going negative. It kept me from being able to pay additional bills. They also kept telling me that my state ( Ohio ) does not allow payment plans. That is absolutely incorrect as other lenders have set up payment plans with me.
10/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 791XX
Web
I took out a payday loan from Advance America on XX/XX/2018 in the amount of {$500.00}. While we were going over the contract I asked twice if anything would be automatically taken out of my account. I was told " no '' both times. They had me leave a check with them which was supposed to be proof of my checking account. I was never told that it would be deposited. Shortly thereafter my husband lost his job and we have been unable to pay the loan back on time. We are struggling to get caught up on utilities, car payment and rent. On XX/XX/XXXX2018 they deposited my check without my knowledge and overdrew my bank account. The check was returned for insufficient funds. I contacted them and told them that might be able to start making payments in XXXX of 2018. They would not accept a payment plan. They wanted the full amount. On XX/XX/2018 they deposited my check again which left me with no money to pay my rent or my electricity. The contract does not specify how to stop ACH payments which to my understanding needs to be described or else the contract is invalid. I spoke to the company today and was told that they had been trying to reach me however no voicemails were left. They stated it was company policy not to leave voicemail messages.
10/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • VA
  • 24151
Web
Took out a payday loan in XXXX or XXXX of 2019 with Advance America. It was for XXXX dollars or something around there. Before I can get into the store the follow week they charge my bank account by running a check which XXXX covered and I went negative giving me overdraft fees. We'll told them to not do it again I'll be in next weem to repay the loan I had to retake out the loan and add extra money with it to cover XXXX overdraft fees. Next week I come in pay off the loan plus interest little more than {$400.00}. We'll even though I made the payment and paid it off they o erdraft my XXXX account again over {$400.00} and I'm negative close to {$500.00} in my XXXX account because overdraft fees. The company pulled out of XXXX XXXX, Virginia and I tried to get my almost {$500.00} they stoled buy I couldn't as they no longer did business in Virginia. I couldn't paid the XXXX overdraft it went on my credit. I was not able to open a bank account sinc its on my check credit history too I couldn't pay. It cost me around {$1800.00} in total time and money along with damages Advance America done with this little XXXX dollar payday loan I paid them back with interest yet they take more closing my XXXX account and hurting me still till this day.
01/28/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • SC
  • 29506
Web
I received a call from a number with blocked caller ID. The person on the line represented themselves as a Compliance Officer with the State of South Carolina and advised that they were locating me at my residence or place of employment in reference to a case being filed in XXXX County. I was given case # XXXX and instructed to contact XXXX. When I contacted the number given, I advised that it is illegal to represent themselves as government officials. She never gave me the name of the company and refused to send me anything in writing to validate the debt. The representative only advised that she would be finalizing my case for court since I would not make payment via phone. I advised that I had been contacted in reference to the company Advanced America before and asked for information in writing to validate the debt and if valid make arrangements but was advised that they were just going to take me to court. The young lady stated that if I wanted something in writing then they would just handle it in court. At that point, I advised that I could no longer continue the call because I was at work. It is illegal for them to represent themselves as government officials and needed to make you all aware of the issue.
07/29/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OR
  • 97068
Web
It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.
05/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • XXXXX
Web
On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.
11/08/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29115
Web
This is in reference to XXXX XXXX Payday loans.XXXX XXXX 2017 XXXX XXXX from XXXX XXXX under the company called the XXXX XXXX in XXXX, South Carolina called all of my references and she left messages on their answering machines explaining how she is going to garner my wages and take me to court, she also said that some people were going to my property and I had to submit some papers. XXXX XXXX called XXXX XXXX one of my references, and told her she was taking XXXX XXXX to court and I have all of this on a voice mail and XXXX XXXX will submit a letter to that effect. When I called XXXX XXXX back I did curse because she called my references and gave out my personal information she said my mother was a XXXX. When I called the company back I asked for the address of the company and I asked them to review the tape. I also advised them never to call me again and to send correspondence through the mail. They still called my phone the next day. I am very upset and so is my mother, and all of my references. They are constantly calling and harassing my phone and my references. I called again to get the address to the company and they would not give me that information and once again I told them never to call me again..
12/30/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SC
  • 29407
Web
Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for XXXX XXXX
01/03/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • OH
  • 44129
Web
I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. SincerelyXXXX cell XXXX
07/28/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • SC
  • 290XX
Web
On XX/XX/2023 I applied for a payday loan and received the funding in the amount of {$770.00} on my debit card. It was agreed by an agent that my payments would be XXXX XXXX monthly and the first payment will begin on XX/XX/XXXX. XXXX. A few days later I received a phone call about how I was treated by the agent and when will my payments start. The old agent was gone and replaced with another agent. Everytime I came into the store location she would run and disappear. My first payment start and {$55.00} was taken out of my account. On XX/XX/2023, I discovered that more money was removed from my account than agreed. I contacted the corporate office and was told he will give me a call back. Then I was told to contact the branch. On XX/XX/2023 I spoke with the first agent and she could not answer my questions. The payments are not going down but continuously adding up. She did not have the same information in her database that I was reading to her. I learned that I am being charged XXXX dollars and XXXX XXXX cents a day in interest fees plus my payment of XXXX ( principal ) dollars goes to the interest again. However, only {$18.00} dollars is being applied to my payments, which is the smaller amounts.
07/06/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 756XX
Web
Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.
11/30/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • MI
  • 48205
Web
I took out a payday loan from Advanced America for the amount of {$150.00} which added up to {$170.00} after taxes and fees XX/XX/XXXX from a XXXX XXXX XXXX account. On XX/XX/XXXX, I found out the Advanced America had stolen {$280.00} from my XXXX XXXX account, an account that I did NOT give them account information for and did NOT give Advanced America legal authorization to access. Not only did Advanced America steal money from an entirely unrelated bank and fairly new account, but they also increased the debt by 65.88 % which is more than double the amount of the original loan. Then, via their website, Advanced America are STILL expecting a repayment of {$170.00} even after illegally removing {$280.00} from an account that they were never given information for or access to. I'm in the midst of finishing up repairs on my house, and this unexpected, unauthorized, and illegal money grab is putting me in more of a bind because I was blindside by said expense. Even according to their own website, I have NO bank accounts connected to my Advanced America account, and without prior consent for that particular account, Advanced America illegal accessed funds from a separate account.
05/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • TX
  • 75041
Web
In XX/XX/XXXX I took out a loan from advance America. The process is handled by providing paper check for the total amount borrowed that they hold until the balance loaned is repaid. I paid off my loan per request in person. The full amount of the original loan without deduction of any payments was still drafted from my checking account two years later! On XX/XX/XXXX. The back story being due to employee error ( or theft ) I was not charged the proper interest amount to pay off my loan in full despite being told all payments had been completed and a 2 year gap. Advance America contact and harassed me repeatedly starting in XX/XX/XXXX once they found the employee error requesting that I pay back the missed interest on my own accorded. ( a sum of roughly XXXX ) I declined on every occasion and explained what happen and that I shouldnt be found at fault for employee error 2 years later. I honestly believe this was a case of employee theft were the payment may have not been applied or missed applied to the loan. Today I viewed my account to see that it was drafted illegally. I have contacted my bank to report fraud and plan to peruse every avenue I can against them.
09/06/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 40004
Web
I have received numerous phone calls from XXXX XXXX XXXX. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.
04/25/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 790XX
Web
This is the 2nd company within the month to contact me about the same non-existent loan. I filed a complaint with you about the first company, and you closed the complaint. I want action taken against these people. They make up a loan, threaten me with legal action, and then sell up the made up loan to someone else. They claim that Advance America gave me an in-store loan in XX/XX/2012, and I never paid it back. This simply never happened, and I have contacted Advance America numerous times about this, and every time they tell me there is nothing they can do about it, because it simply never existed. The company XXXX XXXX ( XXXX ) contacted me today, XX/XX/XXXX, claiming that Advance America hired them to collect on a loan, or to file litigation against me. If I did not call them back, they would consider that non-compliance, and take me to court. They never sent me any written communication, only a phone call. When I tried to get more information from them, they hung up on me. I had to call back 9 times to even get the name of their company, and another 5 times to get their website, as they would simply hang up on me. I want to file charges against them.
08/28/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • XXXXX
Web
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.
03/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • TN
  • 374XX
Web Servicemember
I went into a advance America store front and received a payday loan initially and all is paid off I then took out a line of credit of {$1500.00} always paid on time which increased my credit limit up to {$1800.00}. I could not go into store to make full payment of entire balance on XX/XX/2023 as I always have done because of unforeseen personal circumstances and as a result of me not being able to pay on my due date of XX/XX/XXXX I called customer service to see if they could put loan into default to set up an extended payment plan of which their website talks about or even a settlement of some sort. I called spoke to several reps and was told several different things and one in particular that they wait an extra 30 days while tacking on fees the whole time before they put account into default. My credit limit is {$1800.00} with regular interest and fees it usually is {$200.00} on top of that with them keeping this loan open after notification of circumstances they keep loan open an entire extra month, with interest and fees piling up, they expect someone to pay them back {$3000.00} accrued in 30 days on a {$1800.00} credit limit.
06/05/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
  • CA
  • 92571
Web
Monday, XX/XX/2020 Advance America Manager contact me to schedule a payment, stating my account is 30 days late and continue to incur a late fee. My monthly payment is {$280.00} and due on the XXXX of the month. On XX/XX/2020, my payment of {$280.00} was returned by the bank. I contact Advance America and made payment arrangements. I made the following payments : XX/XX/2020 {$130.00} cash XX/XX/2020 {$180.00} cash XX/XX/2020 {$250.00} cash, {$47.00} Cash XX/XX/2020 {$280.00} cash - PAYMENT TO MAKE UP FOR XX/XX/2020 PAYMENT XX/XX/2020 {$280.00} auth # XXXX XX/XX/2020 {$280.00} debit TOTAL {$1400.00} In XXXX, I made two payments to bring my account current. On XX/XX/2020, I was informed that my second payment in XXXX to bring my account current was applied to the loan interest and I would need to make an additional payment to bring my account current. My understanding is that Advance America is not disputing I made the payments above, the dispute is that they will not apply the second payment to the XXXX payment returned by bank. I spoke with the Manager and an employee and both state there is nothing they can do.
12/14/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 759XX
Web
I initially took out a loan through Advance America, as I was in dire need at the moment, and I appreciate their fast service. The issue that I have, is that in their company policy it states that within 180 days you 're only able to renew your loan 7 times and then you 're to pay in full. I took this loan out in early to mid XXXX and I pay biweekly, it is now XXXX and for the first time, I was told that I need to pay in full. It was brought to my attention that a buyout was done for me before in XXXX, as I would only have been paying the fees on this XXXX day $ XXXX would be a bit steep. After being informed of the buyout policy, I did a little math and realized that since I never took out another loan, my loan therefore should 've have been terminated in XXXX, meaning that the following payments would have then gone directly to the principal. Later I spoke with the customer comments team, who pushed my concern to the Area Manager, who was very rude about the situation of my mishandling and then suggested that I do what I 've already done, pay more money and continue to pay until the loan is paid off.
09/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TN
  • 37917
Web
Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. I am not going to conduct business with Advance America anymore. I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.
12/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33442
Web
I took out a loan on XX/XX/XXXX with due dates that were supposed to be when I get paid. Advance America tried to withdraw the money on the XXXX but payday was the first. I could have transferred money from another account. I have sent Advance America proof of the change in payday multiple times through their website, the last being XX/XX/XXXX and they have yet to make the change. I noticed the missing payment on Friday and immediately made a payment via debit card on their website. Since then, the company has not left me one voicemail. However, yesterday, they called my mother who called me distressed that a debt collector was calling me. I believe that Advance America had no right to call my mother on a current debt. The payment was made the day after it was missed, it was their fault it was missed because they have not updated the terms. Now my Mother, who has constant XXXX XXXX XXXX and XXXX has called me 5 times about this issue. I believe Advance America has violated FDCPA policies, therefore entitling me to damages for what I have been dealing with as a result of their mistake.
01/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Charged fees or interest you didn't expect
  • OH
  • 43211
Web
I went in to Advance America on XXXX XXXX on XX/XX/2018 to refinance my loan. I was told by a new employee that I had basically no choice but to agree to a new loan that they had started. To pay off my loan in 18 months. I said that's great I'm thinking in my mind oh {$400.00} over 18 months.That would be my payments. It was not explained to me all the interest in the fees and that my loan amount would change. I did not receive the total of loan amount till the end after I had signed everything. she was a new employee I was in this office for 2 hours. At the end of everything she said to me while I'm not going to basically explain everything to you. She was apologizing for everything and then said just initial the papers we'll do this quickly so you can get out of here. I was not given the proper time to look over the papers. Then the woman asked me, would you like to see your payment schedule? That's when I realized the loan went from {$400.00} to {$1000.00} I told them " oh you ripped me off ". I was not notified of the amount till the end. Idid not agree with it
09/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 335XX
Web
On the date of question ( XX/XX/2023 ) Advance America opened an account by someone else in the amount of {$470.00}, and now it appears on my credit report as a debt collection. I work XXXX hour day shift at a XXXX and that particular day I was working. I do not live in Missouri which is where this account was opened. All three of my credit bureaus were placed frozen for years at my request ; therefore, there should NEVER be any accounts open without my permission. In order for anyone to request any information in regards to my account, I first UNFREEZE my account in which I have not and I never did that. I know nothing about this company or what they do. All of my bills are ALWAYS paid on time and closed once I have completed payment. I have been in great standings with all creditors opened ONLY BY ME! I know nothing and have no knowledge of this company. I welcome this company to provide proof that this account was opened by me ( MY picture, MY signature or proof that this was opened by me. I can guarantee, this company is not able to provide proof it was me.
04/07/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TN
  • 374XX
Web Servicemember
Hello my name is XXXX XXXX and I have tried and tried calling this company several times trying to establish a legal and binding pay back agreement on this loan and I am being hung up on and disregarded with no regard to setting up payment agreement.PLEASE BE ADVISED I AM NOT GOING THROUGH WITH FILING BANKRUPTCY and is trying to save my credit. I have not been offered an extended pay plan at all although this is what was stated that would be offered upon account default with last cfpb complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status she stated she opened a ticket about it and would follow up with 24 hrs and never did.
07/24/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MO
  • 63901
Web
I received a call XX/XX/XXXX from a company identifying itself as XXXX. I talked to a woman named XXXX. She stated that I owe a debt to Advance America for a payday loan that I defaulted on in XX/XX/XXXX in the amount of {$1000.00}. I told her I hadnt received anything in writing about this debt and she said they dont send out notification. She stated that if I didnt pay the amount in full I would be served legal papers suing me for that amount plus legal fees which could make the amount about {$6000.00} in the end. I told her I could not pay the full {$1000.00}. She stated I could pay half and then make payments biweekly. I set this payment up with her. I received an emailed receipt from XXXX. I have reason to believe this could be a scam. So I called back XX/XX/XXXX to talk to XXXX and requested verification of debt be sent to me. She refused saying that they are not a collection agency so they are not required to send a notification. I told her I would not be paying this debt due to the threatening nature of the collection unless I got something in writing.
11/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 456XX
Web Older American
Advance America XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone Number : ( XXXX ) XXXX Payment are supposed to be taken out of my checking account automatically on the 5th of the month. Permission was given to authorize that several months prior. On XX/XX/2019 I receive a call that the XX/XX/XXXX payment was " late '' requesting me to rectify a mistake that they had made ... .demanding that I pay the payment by debit card. I said I will do that ASAP via online. The company has continued to call me on a daily basis, even though I told them on several occasions that " I will pay it online before XX/XX/XXXX. '' Today, I called the corporate number only to be told that it is " within '' their right to continue to call until the debt is paid. I even now have to place their number on block to prevent the calls. But now they are using another number listed only as " Private '' on my caller ID to continue the harrassing calls. All I am asking for is for them to listen to what I am telling them to rectify a mistake that they caused. Sincerely, XXXX XXXX XXXX
06/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CO
  • XXXXX
Web
The company took an ACH payment and applied it to my balance on XX/XX/XXXX. I paid the loan off in full on XX/XX/XXXX. The loan is at a {$0.00} balance but the company refuses to close is out. They have told me several reason why : Needed to show the ACH payment cleared my bank, I did and the person in the store put it on file. Needed to give it to XX/XX/XXXX, I did and this was received in email that is attached, did not close on the XXXX. Needed to submit bank statement showing ACH cleared my bank online, not true, a manager later told me that was not an option for me. And lastly told me is would be 3, 5, 7, and finally 10 business days before the ACH payment " cleared '' on their side. The in-store person told me that there is an internal issue that they are having, at no point is there any noticing on the website or in-store referencing that they are having payment issues. This is damaging to customers and is very dishonest. If they are having issues they need to say so, not give 10 different excuses why they can not close the loan.
04/12/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MS
  • 395XX
Web Servicemember
Have received numerous phone calls from Advance America for a loan I did not receive. They have my cell phone number, Social Security number and birthdate. They tell me I received 2 Loans in 2019, they did not specify the date, one for {$210.00} and one for {$120.00}. This was supposed to have taken place at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, local phone number XXXX. The phone calls I receive from the person that calls is XXXX. Advance America customer service phone is XXXX. I do not remember receiving these funds from them. I do not remember ever being approved for these loans. I do not remember doing business with them. When I called Advance America customer service they said they had records of these transactions. They will NOT provide me proof I ever received or even applied for these funds. When I tell them to talk to my husband to find out what is going on they refuse. Advance America customer service would not until I verified my personal information, then only gave him the year, store and amounts owed.
04/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92545
Web Older American
I took a Payday Loan on XX/XX/XXXX from Advance America in XXXX CA. I received a letter from Advance America dated XX/XX/XXXX trying to collect. I made a payment in XX/XX/XXXX & XX/XX/XXXX. I started having some financial problems. I have not made a payment since. As of XX/XX/XXXX I have been receiving phone calls from a company, XXXX XXXX, but they never said who they were collecting for until today, XX/XX/XXXX when I called them back. All they said was that my account was going to Litigation ( I believe they used that word ) & being sent to XXXX County courts ( XXXX, CA ). They told me the amount, which is over {$210.00} that I actually owe, but I did not write it down. I got angry & hung up on the person I was talking to because she accused me of totally ignoring any correspondence from Advance America or XXXX XXXX. What do I do? How can I settle this problem? I am on a limited income, I am retired. I do not want them attacking my bank, although, my current checking account is NOT on file with Advance America anyway. Help!!
12/12/2020 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 296XX
Web Older American
I had a title loan with a affiliated of Advance America, the company took over the account. I paid the account in full, and they attempted to add an additional fee to the account. The payoff amount was {$100.00} ( somewhat around that. ), The amount that was need was sent on XXXX. They are other detail that are not included. I obtained a payday loan of {$230.00} with a equal payment plan. The company new I needed my title back immediately in order to fulfill the contract. I received the title at least two weeks late. ( I was told that it would take 6-8 weeks to get it back, that is a lie ) .I have tried to make the company understand this but they refused to listen. I was given an extension to the XXXX of XXXX. Now they are claiming that I defaulted on the advance and will take the {$230.00} plus interest. The action they are taking is unfair and voids the contract. They company also intentionally withheld some vital information in reference to state law. If you need more detailed information I will glady submit that.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • LA
  • 701XX
Web
No actions were taken by these companies. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
07/19/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 92555
Web
On XXXX XXXX I applied for a payday loan, and they only gave me the option to pay it on the XXXX which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called XXXX XXXX and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike XXXX or XXXX where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!
08/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • LA
  • 70806
Web
Dear Advance America, I contacted your office on XX/XX/XXXX after receiving a charge from your company for {$400.00} which I did not make. Since then I have filed a report with my bank ( XXXX ) for a Fraud charge because someone within your system must have likely used my information to obtain a fraudulent loan. I live XXXX XXXX, La. The person I talked to at Advance America said that the money went through the XXXX, La. branch ; I have never been there. If necessary, I will go to the XXXX XXXX Police Department and open up a felony investigation. The last dealings that I had with Advance America were in XX/XX/XXXX and everything was paid in full. Your threats to report me for credit collection are way out of line when more than likely it was your employees who did not check out credentials properly to avoid the theft by deception. Advance America has sent me threatening emails saying that if I don't pay the money that my bank has disputed that they would report me to XXXX XXXX.
12/10/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • OH
  • 435XX
Web
I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.
08/29/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WV
  • 261XX
Web
I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. XXXX XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.
06/26/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 34654
Web Older American
I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! I can also supply my bank statement with this deposit if necessary. Thank you. Regards, XXXX
03/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • MI
  • 480XX
Web
I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.
11/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 32065
Web Servicemember
went into advnace america XXXX XXXX XXXX in XXXX XXXX on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. When I called this location they had me blocked. and when i called from another number they hung up on me. I am filing a criminal complaint on this location.
05/12/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 78660
Web
Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.
09/16/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • IN
  • 46628
Web Servicemember
On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.
04/12/2018 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 370XX
Web
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.
03/03/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22191
Web
I explained to advanced America do that I experienced check fraud and they told me that they have to proceed with allowing the check to bounce. At that point they decided that they would say 30 days to allow the debt to going to delinquent status and then I can make payment arrangements. At that point they continuously called my job as XXXX told them for multiple occasions to stop calling my job I am not allowed received a collection calls at work in particular this phone number. This was back in XXXX XXXX after they do calls 4 to 5 times I 'm most locations when I told Them to stop now here it is XXXX XXXX in the same office is calling my job they 're calling my cell phone they 're calling consistently trying to say that is imperative that they speak with me you 're not identify who they are what they represent however I did a reverse phone lookup and it 's a XXXX XXXX and XXXX Virginia or XXXX XXXX. The callers name is XXXX at XXXX
09/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MO
  • 63118
Web
I applied for and received a payday loan on XX/XX/XXXX for {$300.00}. I was then offered the opportunity to apply for an installment loan and did so on XX/XX/XXXX. The terms I was given for the installment loan seemed predatory so I did not accept and sign for it. I soon discovered that I was unable to refinance the payday loan when offered. I received two emails on Friday XXXX and a text message on Tuesday XXXX with offers to refinance online but there was no banner available on the website. I suspected this had something to do with the installment loan application. I called to reschedule the payment for the payday loan. It was due XX/XX/XXXX and while I could have paid on that date it was easier to reschedule for later. I also withdrew the installment application. Lo and behold, the refinance banner appeared when the installment loan application disappeared! This may well be some website weirdness, but it does seem predatory.
08/29/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 27560
Web Servicemember
On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. She said it was court case # XXXX & their phone # is XXXX. On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. I attempted to return the call, received a voicemail that was full and unable to accept messages. They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.
09/25/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • MO
  • 641XX
Web
On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years.
02/20/2022 No
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 32225
Web
Got about twenty calls over a two day period from an unmarked number. No messages left. on fourth day My wife received a call then my sisters ( two ) both have received numerous calls from unkown number. All three were left messages by a person named XXXX XXXX inquiring about me and a payday loan with advance america. I called the number he provided and asked him to please stop calling anyone other than myself regarding this matter. I told him I generally never pick up unknown numbers. I aksed for details, regarding the debt he stated I owed in writing. It has been over a week and my wife and sister have repeatdy been getting multiplecalls every day for the last week. With an aditinal XXXX from the caller. This is harrasing behavior and he is speaking to other parties ( in voicemails ) regarding this matter. He would have to have searhced for the additional information online as both my sister do not have public phone numbers.
02/23/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 92069
Web
I received a voice mail from a company claiming to be Advance America collecting on a Payday Loan I had taken out in 2013. I called the company back and they told me they had a warrant for my arrest, that they were coming to my job and my house to take me to jail. I knew it was against the law to do this, and so I called a few more times to obtain the agency 's name. One lady screamed at me stating " How dare I call her job and demand that information. '' I finally got in touch with a woman who stated the company 's name was the Law Offices of XXXX and XXXX. I looked up this name and there is no such company. The company then would not pick up the phone and their voicemail says they are XXXX county collection services '' or some nonsense like that. These people threatened me and it is n't right or lawful. Advance America states they are not in anyway affiliated with these people and that my debt had been forwarded to XXXX XXXX.
11/18/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29115
Web
( Advance America ) XXXX XXXX called my home several times after I told them not to. A XXXX XXXX called all my references and gave the all my personal information. XXXX XXXX told one of the references that they were going to take her to court and she gave her my personal information. XXXX XXXX also called XXXX and left a detailed message about garnishing my wages and sending a sheriff over to my house to serve me with papers. I have talked to several people and I advised them to never contact me by phone or my references and to send me correspondence, they still continued to call. I have asked XXXX XXXX for their address several times which they would never give to me. Someone should be punished for what they are doing to me. I offered to set up payment arrangements by sending a money order but they refused and said they can only take payment from my bank account. I still hold Advance America responsible for all of this.
12/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IA
  • 50131
Web
I received a call from the initial creditor on XX/XX/XXXX. They stated I had a bill that needed to be paid. It was roughly {$400.00}. There was an Agreement to pay about {$200.00} of that. They said if I did not pay it then it would be sent to collections. I attempted multiple times over the phone to pay, and even attempted on the website. The website appeared to take my payment but there must have been something wrong or it was not working because they have no payment confirmation. I exhausted every available option to pay the debt. They said that as long as I paid a certain amount it would be fine. Now my account was sent into collections and I have not received a debt verification letter. I tried to get a copy of the 12 minute phone call to verify that their system was down when I attempted to pay my debt. I am not sure what to do. The original creditor and the collections agency are not very helpful.
11/11/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 435XX
Web
I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.
12/15/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43227
Web
XXXX XXXX XXXX XXXX XXXX With initiation of the {$700.00} loan, I was told by the representative the loan would be paid in full by XX/XX/XXXX. Due to unawareness of XXXX bank attachment, I made a in person payment early on in the repayment of this loan. The same month an additional payment was taken out and not applied as a next month payment. I called to inquire why payment was taken out today, XX/XX/XXXX and the representative noted the account is not paid off and will not be paid in full until XXXX of XXXX. She noted she could see in the in person payment, yet that amount was applied to the principal. I would like this entity audited for the accounting on this account and any violations of the Truth and Lending Act, 15 USC 1605 and 15 USC 1601 and any and every other violation of consumer protections which are believed this entity is and has participated in relative to this account.
08/06/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 92805
Web
Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX
11/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MS
  • 39648
Web Servicemember
I AGREED TO MAKE PAYMENTS ON AN INSTALLMENT LOAN ON THE XXXX OF EACH MONTH THRU AUTOMATIC BANK DRAFT. THE COMPANY HAS BEEN SENDING THE DRAFT THRU ON VARIOUS UNAPPROVED DATES THROUGH OUT THE MONTH. IT WAS SENT THROUGH ON MY HUSBAND PAY DAY WHICH HAS NOTHING TO DO WITH ME AND ALSO IT HAS BEEN SENT THRU ON OTHER RANDOM DAYS OF THE MONTH. THESE UNAPPROVED TRANSACTIONS HAS COST ME SEVERAL NSF FEES AND INTERFERENCE WITH OTHER BILLS. I HAVE EVERY INTENTION ON PAYING THIS BILL BUT WE NEED TO STICK TO CONTRACT OF ONLY BANK DRAFTING ON THE XXXX OF THE MONTH. I SPOKE WITH MY BANK ACCOUNTANT AND WAS INFORMED OF SEVERAL THINGS I COULD DO TO STOP AND REPORT THIS MATTER. IT IS NOT FAIR TO ME TO HAVE TO ACCUMULATE ALL THESE OTHER DEBTS BECAUSE THIS COMPANY IS CONTINUOUSLY SENDING MY DRAFT THRU AT THEIR DISCRETION. THAT IS SO UNFAIR AND ILLEGAL. PLEASE HELP ME WITH THIS MATTER. I HAVE RIGHTS TO.
09/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • LA
  • 70056
Web Servicemember
Sometime in XX/XX/2019, I called the clerk at the Advance America store located in XXXX, LA and informed her that I would be in that week to make the late payment on my loan and not to deposit the check. The next day, she deposited the check. I called the manager, XXXX to inform her of how furious I was that they did this and she apologized for that error. She told me that it should have never happened. On XX/XX/19, I paid {$40.00} on my {$250.00} loan and was going to make weekly payments but couldnt. On XX/XX/19, my {$250.00} check was redeposited over five times per my bank. A few times were returned NSF. No one mailed me to inform me that my check would be redeposited which was fraudulently done because I made payments. I did not owe them the full amount. As such, it shows that my payments were never applied to my account and they stole money from me. I have the receipt.
08/30/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 38134
Web
This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers. This is HARASSMENT!
11/18/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29115
Web
XXXX XXXX XXXX ( Advance America ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame Advance America.
05/04/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • XXXXX
Web
On XX/XX/2019, I sent an email to Advance America. In that email, I stipulated that it is against FDCPA to make continuous calls or emails. I am confirming that the small debt of {$310.00} is owed however, I have been placed on medical leave from my place of employment. I told them that I would contact them at some point this week and let them know when I can make a payment. They still have repeatedly called, and also they have attempted to deduct the amount that I owe from my checking account which is not getting any funds deposited because I am on medical XXXX from work so I'm not receiving a payroll check, however, money is being deposited to an SSI debit card. They have chosen to ignore that fact and I have had subsequent returned check fees currently totaling approximately {$60.00}. I can not afford for this process to keep happening as I mentioned I am on XXXX.
10/08/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • TX
  • 77054
Web Older American
Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance?
08/23/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 378XX
Web
I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.
04/24/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 22405
Web
We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people.
04/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 94523
Web
Do to the Coronavirus millions of people are having financial difficulties but this company refuses to do anything to help anyone out in this situation. they are completely selfish and all they want is their money they could care less about their customers or people in general these people should be reprimanded by the government it is absolutely unacceptable for them to treat people the way that they do. I am having financial difficulties through no fault of my own. All other loans, creditors, landlords, banks, mortgage companies are all helping with deferred payments, forbearance or skip pays. They are the only ones who wont. This will hurt me even more then I already am. I have spent the last 10 years clearing my credit and rebuilding and because they are not willing to help their customers, I will lose it all because of this ONE company.
03/18/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 79902
Web
I keep receiving notices about this so called loan i am not aware of, they told me they will keep calling my employer XXXX XXXX in XXXX on XXXX XXXX and have been doing so for years, maybe this is the reason why XXXX XXXX fired me, I am being harrassed and discriminated i have a XXXX i am asking consumer financial protection agency to make a tittle 2 acccommodation since the XXXX XXXX XXXX for XXXX XXXX failed to do the titlle 2 accommodation with the ada and XXXX XXXX refused to accommodate my XXXX because they said they do not know what plain english is when requesting a accommodation these are human resource individuals who have worked for the company for 22 years XXXX XXXX the worst place to work in XXXX on XXXX XXXX, i was harrassed every day i worked there and hr failed to do anything but i need a job to feed myyself please help me
11/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • AL
  • 366XX
Web Older American
Two years ago I took an installment loan from a lady named XXXX at Advance America in XXXX Al and I had automatic payments taken out of my account and the loan was paid off in XX/XX/XXXX today I saw they were still taking money out so I went to their store. They claimed I refinanced it in XXXX and have been taking money out of my bank account. I havent been in the place in over a year. Some guy I have never met claims he was the one I refinanced with and the electronic signature is not mine. I received a large severance package in XXXX when my job ended so I would never have took a loan at XXXX XXXX interest. They have been taking money from my account twice a month and the original loan was monthly. I have several accounts and didnt catch it until today. They produced a copy of a contract with an electronic signature that isnt mine.
09/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35603
Web Servicemember
I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX XXXX and needs to be investigated I need this removed.
05/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • MS
  • 391XX
Web
I applied for a installment loan of {$1000.00} with AdvancedAmerica online XX/XX/2022 and was denied. They called me on XX/XX/XXXX at XXXX and left a voicemail, they called again on XX/XX/XXXX at XXXX and left another voicemail. I called them back XX/XX/XXXX at XXXX to find out why they were calling me because I was denied. I talked to XXXX XXXX and she said that I was approved for the loan that I just had to take her a photo ID, social security number and proof of income. I got to the office about XXXX and gave her all the information. She left in the process of my paperwork and let her co-worker finish. The co-worker said that I had been approved for a payday loan but I did not apply for a payday loan. I refused the payday and went home. I got an email stating my XXXX score went down by XXXX points and I never received a loan.
04/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 919XX
Web
Advance America has been calling and harrassing me for months. They are looking for a person named XXXX XXXX. I've never met this person and am the sole user of the phone I have. I have never dealt with Advance America and have no outstanding debts of any kind. I have to keep blocking all the different numbers they are calling from. I called them several times to inform them the number doesn't belong to XXXX XXXX. On XX/XX/XXXX I called and a woman said she had removed my number from their system. After more calls on XX/XX/XXXX, I called again and a woman with a terrible attitude said the removal process takes 72 hours. That was obviously a lie since I got another call today, XX/XX/XXXX. They've been clearly informed that XXXX XXXX is not attached to my phone number and have ignored this fact in continuing to harrass me.
12/29/2021 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • LA
  • 71202
Web
Advance America has been contacting me 3-4 times/week about somebody else 's debt. The calls are robo calls, following the prompts to have them quit calling apparently is not working as the call just hangs up. Most of the calls go to voicemail, and have about 15 of them for just XXXX. I've answered a few of them also hoping to speak to somebody but normally the call hangs up. The messages are the same : " This is a message for ( person ) if you are not ( person ) please hang up. There will now be a short pause in this message to allow you to take the system off speaker is necessary. This is advance america calling about your outstanding loan please call us back at XXXX or text us at XXXX to take advantage of an offer or to opt out of future offers ... '' Calls from them have come from : XXXX, XXXX, XXXX, XXXX, XXXX.
03/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NV
  • 89002
Web
I took out a Signature loan with Advance America in XXXX Nevada and I was paying my payments on time and then the website for this company went down for 7 days approximately. At that time I couldn't make my payment because the website was down. After it was back up I received an email that apologized and said they would work with people on this issue and not charge fee 's and things like that. I told them that the missed payment can be added on to the end of my loan ( I have made every single payment on time except for when the site went down ). Well I have been called and emailed every day about the missed {$100.00} payment and I keep telling them I can pay only the {$100.00} twice per month and now they are telling me I owe the whole loan! I am being harrassed and it isn't really my fault. Thank you, XXXX XXXX
08/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 77642
Web
I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.
02/21/2018 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 922XX
Web
XXXX XXXX XXXX XXXX, ALSO XXXX XXXX XXXX ARE TRYING TO COLLECT FOR ADVANCE AMERICA. XXXX CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
01/11/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38115
Web Servicemember
I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.
02/14/2022 No
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33068
Web
ADVANCE AMERICA Must provide consumer with an authenticated record of accounting to validate and verify alleged debt. ADVANCE AMERICA, I am requesting an authenticated record of accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities associated with my financial record. Failure to act and/or comply will result in legal actions under Federal Laws.
05/08/2015 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 77004
Web
On XXXX XXXX, 2015 XXXX from Advance America called my job and left a message at around XXXX. I returned his call, from my personal cell phone, at XXXX to inform him that calling me at my employer is no longer acceptable. He said he understands. On XXXX XXXX, 2015 at XXXX XXXX from Advance America called my job, this time I answered. I told him that I can not speak about this over the phone. I returned his call at XXXX from my personal cell phone and reminded him that it is no acceptable to call my job phone. He said that he was never told that. Today, XXXX XXXX, 2015 I will be sending a letter explicitly stating that my job can not be contacted about this loan. I do not have a personal work phone ; it is shared by many people. I will include the above scenario for his understanding.
08/15/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • SC
  • 296XX
Web Older American
I had a payday loan & used my debit card for payment? The bank let some charges go thru & it ended up with 5 new debit cards within XXXX! This caused my bills to go late because if bank error. No one contacted me abt the loan, no voice mails nothing. Just got new card again & was looking at my account & noticed checks from them sent to my bank & got large sum of money twice. Now here is the part I dont like when I accessed my account I was in collections & default.? they took money from my account not debit card? I did not give them permission to go to my account! I contacted my bank & was told to contact company & i did so hopefully this can be resolved! Dont put me in collection & then rob my account of hugh amount , without my permission period. I hope this helps someone else. Thanks
04/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • XXXXX
Web Servicemember
The fraud on this account was committed by XXXX XXXX XXXX who I don't know. It is illegal to put a XXXX loan on any credit bureaus, which has negatively impacted my credit report. I have a right to sue under these rights. You see I am a XXXX combat XXXX time XXXX veteran, and I had problems with my identity being used from 2006 to present even with the credit freezes via the dark web. It is illegal as well as improper for XXXX to put inaccurate information on my account, which I stated should be deleted from all related credit bureaus, which there is four, but the average american only knows the basic ones. It is predatory lending practices who likes to take advantage of people like me, and who would give XXXX loans to anyone who could use any of my information online.
12/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92399
Web
I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.
03/29/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IA
  • 507XX
Web
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with 2 federal charges re : knowingly defrauding a bank. I asked which company reported this and they said Advance America which is a payday loan co i have used. Said i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
09/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • FL
  • 32811
Web
Advance America, Cash Advance Centers XXXX XXXX XXXX XXXX On XX/XX/XXXX, 2023they experience temporary systems outage affecting their cooperate network. Became aware of the incident and immediately launched a investigation. Third- party cyber security experts further investigate what happened and determine that an unauthorized actor accessed or acquire certain business record on the company network. They also reported to law enforcement. I XXXX XXXX Also file a police report on this issue XXXX XXXX when I became Aware of this information. The business discover the review show the individuals whose information was contained in the record review and determine my information was included in the records includes my social security and drivers license or state ID number
03/23/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Called before 8am or after 9pm
  • AZ
  • 85340
Web
I had a line of credit with them that was setup for autopayments. For some reason they claim that they were unable to collect payment for several pay cycles even though they had the correct banking info. I learned about this after they drafted {$300.00}. So they were able to take {$300.00} out after they closed the account for non-payment but could take the regular payments. They call me between XXXX XXXX almost every day. I have told them they are calling me outside the allowed time and that it is XXXX. They called this XXXX at XXXX my time. I have on 3 previous occasions I live in XXXX and the time they are calling. On XX/XX/XXXX they call at XXXX and XXXX XXXX. XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.
12/19/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TN
  • 37415
Web
I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.
06/11/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46041
Web
I took out a {$100.00} payday loan from Advance America in XXXX, XXXX. It was due on XXXX, but I contacted them and got a deferral until XXXX. Despite the deferral, they have called repeated over the last couple of days. They only called a couple times, maybe 3 times on XXXX from their local office number of XXXX. Today, on XXXX, they have called over XXXX times starting at shortly after XXXX and calling every XXXX minutes from a variety of numbers. Just while trying to type out this complaint, theyve called twice. They dont even leave a voicemail, they just hang up and then call back about XXXX minutes later. I have been approved for a deferral so they shouldnt even be calling me at all, but especially not as frequently as they have called me today.
02/08/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 38115
Web
I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.
01/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TN
  • 38017
Web
I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.
12/15/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • KS
  • 67801
Web
XXXX XXXX CALLED ME AGAIN AND LEFT ANOTHER THREATENING VOICEMAIL IMPERSONATING A COURT OFFICIAL AND THIS TIME ALSO INCLUDED MY SIGNIFICANT OTHER, XXXX XXXX. HER PHONE NUMBER IS XXXX. THE COMPANY NUMBER FOR ADVANCE AMERICA THAT SHE GIVES ME IS : XXXX SHE STATED THAT ALL OUR LEGAL RIGHTS ARE FORFEITED THAT WE WILL BOTH BE ARRESTED FROM OUR PLACES OF EMPLOYMENT AND THAT WE WILL NOT BE ABLE TO DISPUTE THE CLAIM AT ALL. THIS WAS AFTER WE CALLED AND TALKED TWICE WITH THE REP FROM THAT NUMBER AND OFFERED TO PAY STARTING IN XXXX WHICH THEY REFUSED. THIS IS THE THIRD TIME THAT XXXX XXXX HAS THREATENED US WITH PUBLIC EMBARRASSMENT, BEING ARRESTED, AND HAVING NO LEGAL RIGHTS. MY FIRST COMPLAINT THAT I FILED WITH YOU HAS THE REFERENCE NUMBER : XXXX
10/14/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 91730
Web
XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.
06/02/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • XXXXX
Web
On XXXX2017 an unnamed person contacted my husband, Aunt and place of my employment claiming to be a Process Server on behalf of Advance America trying to collect on an unpaid debt for the business and that if i did not pay immediately that I would be arrested and sued criminally for my failure to pay. I gave said individual my debit card information fearing for myself, not knowing that it was a scam until after my husband contacted me to tell me he had done a bit of his own investigation and talked to a representative at this site and found that each number used for contact and the website info was all false. I have since contacted my bank and put stops on all of our accounts. Numbers used to contact us : XXXX & XXXX by scam artist.
02/08/2017 Yes
  • Payday loan
  • Can't contact lender
  • NC
  • 28227
Web
I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.
03/15/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30736
Web Servicemember
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.
07/22/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 93901
Web
I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''
04/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • TN
  • 374XX
Web Servicemember
I have a previous complaint regarding advance advance complaint # XXXX. Within this complaint advance America RESPONSE dated XX/XX/2023 stated that I couldnt set up an extended payment plan on a line of credit Until account goes into default. This was inaccurate because I called advance America today XXXX XX/XX/2023 regarding setting up an extended payment plan and supervisor XXXX in collections dept informed me that there was not an extended payment plan offered or extended to me for no explanatory reason although account is NOW in DEFAULT status. Im trying to pay this company back but it seems they are only into the business of wanting to restart or resume account to accumulate more fees to be paid to them.
12/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 652XX
Web
I got an installment loan from Advance America of {$1000.00} on XX/XX/XXXX. LITTLE did I know, that they would charge me a XXXX interest rate!! So I owe them back {$5400.00}, so I will have to pay them {$6500.00}! Thats a car! And I will not finish paying them twice a month of {$130.00} apparently until XX/XX/XXXX. I can not handle this type of loan by myself at all. They can shoot my credit down or do whatever they want, but this is robbery at this point. ROBBERY. And Ive spoken to an associate about this already because I wanted the situation handled or refinanced even as I havent made a first payment, because Ive had XXXX these past two weeks and had no idea how much it truly was, XX/XX/XXXX.
09/16/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 752XX
Web
I sent in a complaint yesterday to XXXX XXXX XXXX to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want XXXX XXXX XXXX to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.
12/14/2016 Yes
  • Consumer Loan
  • Title loan
  • Payment to acct not credited
  • OH
  • 447XX
Web Older American
I paid off my title loan with Advance America/XXXX online on XXXX/XXXX/2016. XXXX XXXX debited my bank account for the final payoff amount on XXXX/XXXX/2016. I went to Advance America today, XXXX/XXXX/2016, to retrieve my title and was told that the payoff amount was still being processed, one week after it was paid. I was not given my vehicle title and was told that I had to wait until XXXX authorized the release of it. This is not right. This is not fair. My bank account was debited on XXXX/XXXX/2016 for the final payment and there 's absolutely no reason why I can not retrieve my vehicle title on XXXX/XXXX/2016. This is an unfair business practice and XXXX should be penalized as allowed.
10/10/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 330XX
Web
I had told the lender not to allow someone that was not authorized to get any information about my loan or about my payments or anything concerning the loan and they still let the person contact them and do things on the loan that was not authorized and they haven't contacted me and I didn't make any additional payments on the loan after finding out that the person the XXXX still was letting the person seems like they had some type of relationship going on I noticed that the person involved would go there without my permission and the XXXX would allow them to get information on my loan and make changes on my loan without my permission and they seem like they had some type of Love connection
10/03/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • RI
  • 02891
Web Servicemember
Advance America charged my bank account that was already closed after the date the loan was due. I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.
02/22/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 94513
Web
Some time back I had obtained a payday advance loan. Due to some financial issues, my check was likely returned but I never was contacted about the issue. A couple years later I start receiving phone calls from an unknown number saying they are trying to locate me to get me processed with the county. They are calling anyone that is listed as a possible association using public record data and not utilizing the references I listed when I obtained the loan, telling them there is an action pending against me with the county, making it sound like its a criminal action. I asked them for their company name and mailing address but they refuse to tell me, saying they are the Proceedings Office
04/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92227
Web
My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.
09/22/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 32810
Web
I took out a loan in XXXX of this year. To be paid back by XX/XX/XXXX. Payments are no weekly and I am able to request for payments to be placed on the back end of my loan if I am struggling to pay. This company is attempting to pull XXXX payments from my checking account without authorization. No one told me that I would be making XXXX payments when I spoke with an Advance America representative in the store. No one stated they will still pull from my account even though Ive made arrangements. I have attempted multiple times to remedy this issue with this company but they state, we can not accommodate your request They are causing extra fees to accrue causing mw more mental anguish.
12/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 329XX
Web Older American
In XX/XX/XXXX I obtained a payday loan through Advance America. In XX/XX/XXXX, a collection agency contacted me for payment, which I payed. Through the past eight years, my area has suffered through numerous floods and hurricanes. All of my paperwork has been destroyed. Also through the years, many collection agencies have contacted me for payment. I have recently found out through the manager of my local Advance America, that their system was breached by hackers. My personal information was used and is continuing to be used and various people have contacted me pretending to represent Advance America. XXXX was found liable for their computer breaches. so should ADVANCE AMERICA.
02/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NC
  • 274XX
Web Servicemember
XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.
11/22/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 93702
Web
Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.
07/25/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • LA
  • 70005
Web
contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..
03/30/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • NC
  • XXXXX
Web
I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.
12/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 32177
Web
This has been a solid 3 to 4 years advance america is committing fraud agenst my good name and time after time they beat around the bush saying its factual. they are commiting slander and more Insurance fraud. they clamed that i took out a loan witch i did not and i want to see the paper that bares my sigature of this. it was calmed to be taken out at the XXXX XXXX florida store on XXXX next to the XXXX. they are known to forge and report false accounts to the state government and XXXX people up. they don't call me they do nothing just beat around the bush 3 to 4 years i have been dealing with this and no help. they lie their teeth off and will sue them for defamation.
09/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CO
  • 80247
Web
I made a payment online on XXXX- I should have only been charged one payment-but the system charged me for 2 months. I contacted customer service immediately, the agent told me the second charge would be reversed, but to wait since that day was a holiday. I checked the next day, XXXX- and no refund had been received. I have called back every day since the XXXX and have been told that Advance America `` Treasury '' would reverse the charge. This has not happened, and I am again on the phone with Advance today, on hold while sending this notice on XX/XX/10. I was told by one of the staff at the store where I got this loan " You are not the first customer to
03/25/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • KS
  • 660XX
Web
A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
01/24/2017 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
On XX/XX/2017 I spoke with a representative named XXXX in regards to my account with Advance America. I asked her if I could pay my XX/XX/XXXX payment early and she stated yes, I asked her if I would still have to make another payment on the XX/XX/XXXX and she said no. I proceeded to make the payment on XX/XX/XXXX in the amount of XXXX. I called in today on XX/XX/XXXX to see why my account had n't updated with my payment and the lady I spoke with said that I would still have to pay on XXXX XXXX because the payment I made on Monday did n't cover the amount due on the XX/XX/XXXX which was odd since I paid the amount due in the amount of XXXX.
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 700XX
Web Older American
I took out {$350.00} payday loan with a {$400.00} payback on XX/XX/2023, due XX/XX/XXXX,. Asked for emergency extension to my next ( second ) social security direct deposit, vi recently retired due to a XXXX. XXXX, XXXX at XXXX XXXX XXXX XXXX advance America, told me she has to put through the check she has on XX/XX/XXXX, but my SS direct deposit comes on XX/XX/2023. She will trigger my banks overdraft or NSF fees, I barely can pay for XXXX & XXXX, UNTIL XX/XX/XXXX. My bank balance checking is {$2.00} only. Will gladly arrange automatic {$400.00} payment for XX/XX/XXXX. Else health and wellness will suffer. My name XXXX XXXX, XXXX XXXX
03/02/2022 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 32311
Web
I paid a total amount of {$91.00} on XX/XX/XXXX at XXXX pm and another repayment of {$14.00} on XX/XX/XXXX at about XXXX pm For a total payment of XXXX. They still tried to withdraw another {$14.00} the next morning on XX/XX/XXXX. I spoke with three employees who each said I should be issued a refund due to the fact the amount was paid before the due date of XX/XX/2022. I never received any such refund. My current remaining balance should've been about {$91.00}, instead, I'm showing a remaining balance of XXXX. I will not pay another payment until this gets taken care of! I will file complaints through every government agency if I have to.
05/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • CA
  • 91304
Web Servicemember
Each day for the past few days I get several cals from XXXX. When I answer it hangs up. So when I call back and it's Advance America. I keep telling whoever answers that I have emailed them and told them I have a financial hardship due to job lost and I can't pay right now. And have been in constant contact with them and yet they keep calling me from this number several times daily after my requests to not do that. Or contact my references or former employer ( which I don't know if they are doing but they did a couple weeks ago ). Collection or not, they are harassing me with these multiple daily calls. I need them to stop that please.
01/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • NC
  • 28210
Web
I took out a pay day loan of {$550.00} on XX/XX/2021. Including the finance fee, I was responsible for repaying a total of {$630.00} which was due on XX/XX/XXXX. I repaid the {$630.00} balance due online with my debit card which cleared and posted to my checking account that day. However, overlooking my repayment of the loan, on XX/XX/XXXX, Advance America presented a check to my bank account for repayment. Consequently, {$630.00} was erroneously deducted from my bank account and I was inconvenienced by their error and could not fulfill other financial obligations ( namely my monthly car payment and car insurance payment that was due ).
06/29/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 94591
Web
First I would like to state that I have never signed up with Advance America. I never contacted their company nor signed up for services through them. XX/XX/XXXX I stated receiving emails from what appears to be Advance America saying I owe them for an outstanding balance. I have never received anything in my physical mail in regards to any debt owed. I have asked multiple times for them to send me documented proof of debt and they have continued to not send me verification. Yet every few months I receive an email saying I owe them. Not only are they only emailing me trying to obtain money, but they are refusing to show proof of debt.
08/06/2015 Yes
  • Payday loan
  • Can't contact lender
  • WI
  • 541XX
Web
i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX
02/26/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27284
Web
On XX/XX/XXXX, XXXX XXXX XXXX contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.
02/01/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • KS
  • 66223
Web
Advance America credited a bank account that was not mine. I called immediately to tell them they'd deposited into the wrong account and was told they'd fix it. It's been TWO YEARS and they're still calling me to pay back a loan I never received. Advance America told me to call the bank they deposited the money into, but the bank basically laughed at me trying to discuss money into an account that wasn't mine. The calls are now harassing, as they call AT LEAST two to three times per day. I get nowhere with them when I explain the situation and who I've talked to ( which, conveniently, they never seem to have a record for. )
09/17/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OH
  • 45133
Web
I contacted XXXX and unfrozen my credit report I waited to ask advance Americanet for a installment loan the following at and was denied because XXXX credit was frozen I called and it was.. I did it again happened three times finally got past it then they denied me because suspect fraud... back and forth phone tag getting me happy.I really needed some help but no one would in my credit report is froze because of data breach my information got all over the web few years ago and still just going farther in the hole they just really didn't treat me fairly and can't get myself out of this financial bind please help me
08/19/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IL
  • 60053
Web
Company contacted me on XX/XX/2022 regarding a fraudulent account allegedly taken out by my wife. I explained this is fraud and I am verbally disputing the debt and requesting a validation letter showing documentation that this loan is ours and owed. They refused to honor my request and stated they would be suing us instead. Later stated there is already a judgment against my wife. Did not state mini-miranda or call recording disclosure, called with a pre-recorded message, and violated the FDCPA as well as XXXX and XXXX XXXX I will be seeking legal action against this agency for malicious practices.
12/10/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 75211
Web Servicemember
Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.
01/22/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • WY
  • 820XX
Web
Contacted online support to request an Extended Payment Plan. When approved for payment plan, agent representative failed to disclose that payment had already been sent for processing ( a day before due date ). Agent and company approved my payment plan & I signed documents, for first payment due on XX/XX/XXXX. However on morning of XX/XX/XXXX, full payment amount was taken out. I contacted the company and they apologized for the inconvenience but said that there was nothing they could do. I immediately contacted my financial institution and requested an unauthorized charge claim.
04/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • TX
  • 77084
Web
I filed for bankruptcy. I called the company on my date and gave the information of my attorney and case number. That was Wednesday XX/XX/23. They took the information. My loan was due on XX/XX/23. My loan amount due was XXXX. On XX/XX/23 I checked my banking account and they did a withdrawal for XXXX. I called again and ask why the charges they said they did not. I gave my attorney and case information again and they stated that they they already had the information. They took more than what they were supposed to. I would like my money back and they go through my attorney.
01/16/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • SD
  • 571XX
Web Servicemember
I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX
10/07/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30741
Web Older American
I have loan thru the this company, i recently had a problem where someone hacked into my checking account, i reported to all my creidtors, all of them worked with me except these advance america. when i let them know, i was told not problem, i made a part of a payment, since the bank would only let me have a portion of my funds, I was told that would be fine. even before my next payment was due, i received a email stating that i was in default and that i would have to make these ridicules payment over the next 6 months! These people are nothing but liars and cheats!!!
11/16/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76114
Web
This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. Please help me with this matter. Thanks
01/09/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90660
Web
On XX/XX/2020 the company called me with yet a different number. I answered the call and explained to the representative that I have previously spoke to a representative and made arrangements to pay when I can. I let her know that at this point I was feeling harrassed and to please stop calling. She laughed, she said to say that as long as I owe the debt they would continue to call. Well, since that day they have continued to call. They let it ring 2-3 times before hanging up and not leaving a voicemail. They have tried contacting me with various numbers as well.
08/10/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 94806
Web
A Representative named XXXX XXXX called me today XX/XX/2018 at approximately XXXX XXXX, XXXX and XXXX pacific standard time, harassing me about a trying to contact a person named XXXX over a debt and that this person used me as a referral. When I told her that I don't know this person nor her whereabouts she threatened to personally come to my home and do something to me. XXXX XXXX also said she would send some legal letters to my home. Total harassment. I don't know this person and I don't want this type of phone call and harassment and the threats.
09/14/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 94117
Web
It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!
09/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46254
Web Servicemember
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " Advance America '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " XXXX XXXX XXXX XXXX. '' claim demanding {$480.00}.
02/15/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 61350
Web
I settled a debt with Advance America on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. Advance America has now sold the debt to XXXX XXXX XXXX. I found that they are now reporting this on all three of my credit reports. Advance America are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
05/02/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • TX
  • 750XX
Web Servicemember
I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33712
Web
This is a payday loan from XXXX it should not be showing on my credit report at all, as I was not informed before that this would be reported. If it is legal it should be reported with the correct dates and not XXXX of XXXX, with no payments. Its ridiculous that I have to keep disputing this information which is absolutely wrong and that anybody can report whatever they like on your credit report with properly disclosing this prior to reporting it. I have had no dealings with this company for years and certainly not last year!
03/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 488XX
Web
Advance America allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. Advance America then turned the unpaid loan balance into a collection agency in XXXX of XXXX called XXXX XXXX XXXX. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.
11/04/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MI
  • 48198
Web
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
10/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29209
Web
This company denied me my credit around XX/XX/2023. I don't care what the reasons are because that is grounds for discrimination from the Equal Credit Opportunity Act. I have a right to my credit, withholding my access it's security fraud, your violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying my credit. Please retract my application. I mentioned this to this company several times they have still not resolved this information. XXXX XXXX in fact for the all caps name XXXX XXXX
12/07/2021 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • XXXXX
Web Servicemember
This was improper use of my credit report which impacted my XXXX account, and perhaps all other credit bureaus. This boils on identity theft, fraud where I was notified on XX/XX/2021 on an account or payday loan opened on XX/XX/2021. I made a complaint to XXXX, FTC, and now again to CFPB. You can see my past complaints on the same issue around XX/XX/2021 about Advance America who are using a company called XXXX. I want this resolved and removed, deleted, closed of all my credit reports. Regards, XXXX XXXX XXXX XXXX
02/04/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • CA
  • 94565
Web Servicemember
Advance America debited my checking account with XXXX XXXX XXXX ending # XXXX on wrong date and a sum of {$230.00} has a negative on my account with charge fees of {$35.00}. I am respectfully not able to pay the full amount of {$230.00}, but l can start a payment extension and payment plan with Advance America to pay payday loan. Also, the fees are very high on payday loans and interest over 45 %. I am respectfully XXXX Lifetime and Retired and a XXXX XXXX Honorable Military Veteran and on a XXXX fixed income.
03/04/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 91724
Web
He identified himself as a lawyer from XXXX, XXXX XXXX XXXX. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed Advance America {$310.00} but I never had a loan with Advance America. The payment arrangement he would make today was {$180.00} to consider the case closed or XXXX payments of {$110.00}. I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
06/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 78028
Web
They have been calling excessively from XXXX XXXX XXXX and their caller ID says Advance America. They call once even twice a day and hang up without a voicemail, When I reported this to Advance America they denied it was them calling and said they didnt call well they called many many times and the worse part is today I was bullied about making payments and how If I pay one payment online there wont be proof of the past due amount which is nothing practically seeing as I had paid XXXX dollars on that payment.
05/03/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • XXXXX
Web
On XXXX XXXX XXXX a debt collector called me the phone # is XXXX . They threatened to sue me, take me to jail bring the cops to my home, called many of my family members told them the same thing saying they are going to bring the police to their house to search for me. First off I went banckrupt case was finalized XXXX XXXX in XXXX XXXX XXXX XXXX . Secondly I am in stage XXXX XXXX I told them I was bankrupt and they said they do n't care their still going to sue me please help
08/28/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75503
Web Older American
Received letter, dtd XX/XX/2023, RE : Notice of Data Breach, reference XXXX XXXX XXXX XXXX XXXX Advance America ( the company ), in which I was informed of a data security incident that may have impacted some of my personal information. I received a negative ( collection ) on my credit report that it had been placed in collection for non payment after three months. My husband and I started work on credit repair in XX/XX/2023 with an established company and have not tried to establish any new credit.
04/12/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 355XX
Web
First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me
11/19/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • IN
  • 46410
Web
ADVANCE AMERICA WITHOUT WARNING WAITED OVER 1 YEAR TO SUBMIT CHECK FOR PAYDAY LOAN CAUSING MY ACCOUNT TO GO NEGATIVE. THEY CASHED A CHECK ON XX/XX/XXXX THAT I WROTE ON XX/XX/XXXX AGAIN WITHOUT WARNING.I AM CURRENTLY XXXX AND TOLD THEM AT STORE IN XXXX INDIANA AND GOT A DONT CARE ATTITUDE.I UNDERSTAND THIS NEEDED TO BE PAID BUT INSTEAD OF WORKING WITH ME THEY CREATED A MESS WITH MEDICATION ETC. BY OVERDRAFTING MY ACCOUNT WITHOUT WARNING.THESE PRACTICES ARE DONE BY XXXX MANAGER AT XXXX INDIANA STORE.
06/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • XXXXX
Web
RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is has been compromised due to fraud. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. Sincerely, XXXX XXXX XXXX
11/07/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 95336
Web
The is a scam. The company STATEWIDE LEGAL MEDIATION is claiming to represent XXXX XXXX XXXX ... The company has NEVER ( I called to verify ) had me as a client. This company in an effort to catch them I allowed a {$10.00} charge which I disputed from my bank had removed today. I also had my banking information changed as well. This company is very crafty.. They have your last four and birthday info like most of these companies. You just CAN NOT and should not give them any more info ... Thank you
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 76549
Web
Hello, i received a payday loan. I reached out to see if they abide by the military lending act or SCRA to decrease the interest rates of my loan. Advance America told me they do not abide by those laws, however its a federal law so they are obligated to if Im not mistaken. I got on orders XX/XX/2023 and i would like every payment Ive made since i left on that date to now to be the correct reduced interest rate for the military lending act. Please let me know if you have any questions.
03/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • OK
  • 73701
Web
I have been loaning with this company for several years. They have consistently held my check for 14 days after the due date to renew the loan. Suddenly, without warning, they claim they are no longer allowing checks to be held past the due date. They never informed me of this, and I have always made it clear that I extend it for the next pay period after the due date, and they never have a problem. Now they are threatening to deposit my check and cause me major problems with my bank.
10/19/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46628
Web
I was not aware of these fraudulent charges on to my credit report of XXXX $ from advanced America and these fraudulent hard inquiries on my credit report i did not authorize these companies to run my credit, this is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yes i made an report to the identitygov
09/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43227
Web
Recently, I reviewed my credit report and noticed inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers, and erroneous accounts. The credit bureaus continue to state that they have verified the debt. However, I have discovered on my report that an account XXXX XXXX XXXX XXXX is not mine and I have no knowledge of this account. This is a fraudulent account, and my personal information was used in a company 's data breach on XX/XX/2023.
06/04/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 77346
Web
I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX
03/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • KS
  • 67217
Web Servicemember
I have had the loan for over 2 years now. I borrowed {$400.00} and have been making monthly payments of $ XXXX {$110.00} each month. I have paid this loan 4 times over and my balance will not decrease. I have made several calls and sent several emails to them about making a settlement to just get rid of the loan, and they never respond. I just want this to be considered paid in full. Since they choose not to get back in contact with me. Please help me with this.
04/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • CA
  • 94565
Web Servicemember
I made contact with Advance America and left a couple of voicemail messages as nobody answering the phone. I respectfully requested for stop payments on the payday loan as my XXXX XXXX XXXX checking account ending # XXXX has a negative balance of around {$400.00} of excessive overdraft fees. I am not able to have any funds on my account because of my financial hardship and going through a difficult time with family Hardships and Coronavirus Pandemic issues.
06/15/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 78227
Web
I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me
06/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • TX
  • 77042
Web
Applied onlin e at AdvanceAmerica XXXX / XXXX / 2017 Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on XXXX / XXXX / 2017 Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )
07/29/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 940XX
Web
Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.
07/15/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • FL
  • 32218
Web
I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.
01/05/2017 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 33990
Web
I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.
10/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 94607
Web
The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.
06/28/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 93012
Web
Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.
03/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29418
Web Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 851XX
Web Servicemember
XXXX XXXX XXXX did not properly notify myself abd provide a legal legitimate wet signature for said collection. It was disputed and no response from them on legitimacy of debt. As I do not know that company. They reported it to all 3 bureaus without me being acknowledged of Alleged debt without proper validation and contact with me. Allegedly there was an account from Advance America without my signature again they will not verify
03/20/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 329XX
Web
XXXX, XXXX, FL. I contacted Advance America before my loan was due. They referred to to a program for credit counseling which I attended, but the paper work was never faxed to them. I called them and told them I would be entering into a payment plan with the credit counseling agency, and asked them not to take money out of my bank account. They told me they do not take money out of bank accounts. I am really upset about it all.
02/02/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • XXXXX
Web Older American
Someone called my cellphone and stated that my husband had taken out a payday loan in 2017. They had the last four of his social. I stated that he never took this loan out and if I needed to contact a lawyer I would. He said have a nice day and hung up. Im very concerned they have personal info on my husband and my cellphone #. The # they called from was XXXX XXXX XXXX XXXX XXXX. What can I do to protect us from identity theft.
11/28/2017 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NV
  • 89121
Web
Received a loan form Advance America. Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.
10/28/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • XXXXX
Web
I checked my XXXX and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " XXXX XXXX XXXX '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.
07/11/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48906
Web
There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''
05/19/2016 Yes
  • Payday loan
  • Can't contact lender
  • RI
  • 029XX
Web
I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer
12/03/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 374XX
Web Servicemember
I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America.
01/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • NE
  • 68801
Web
I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. I had been lied to about it going to collections, and I don't know what to do.
05/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 95833
Web
Lender keeps contacting me Harrassing me to pay them back in full when I clearly stated I am currently not employed and I could try to make small XXXX dollar payments until I start working. They said if i didnt pay in full or in XXXX payments of {$88.00} dollars they were going to take me to court. I tried to set a payment plan and they keep harrasing me calling me to threat me to pay them or I will go to court.
05/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90022
Web
I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help
12/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 79912
Web
Hi Im XXXX receiving the social security they take too much money very high interest I wasnt expecting Im single mom of XXXX kids I cant pay much anymore Im very overwhelming for me Im alone only receiving my XXXX ssi I pay my van payment and I have my health issues too please help me its very overwhelming fir me being alone please text XXXX Im XXXX I cant XXXX or XXXX or email me at XXXX XXXX
05/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IN
  • 46324
Web
back in 2006, I had a payday loan with Advance America it went to court in XX/XX/2006 and was decided and closed. Case number XXXXI am in the process of trying to get home and Advance America has continued to report to Indiana loan that I owe {$200.00} I contacted Advance America and they refuse to take it off stating they have no information this was discharged. And that the debt is still owed.
11/09/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 94558
Web
I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.
12/02/2016 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 77489
Web
I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP
04/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • LA
  • 708XX
Web
Advance America located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Has called my employer 3 times. After the first time I asked that they stop, the nice lady said she would notate that on the account. However, they have not honored the fact I ask them not to contact my job. It is one thing to try and collect what is owed but it is another to harass people at their places of employment.
09/07/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 75134
Web
Im filing a complaint about the voicemail and calls Ive been receiving and a close relative of mines received. In regards to a debt I overlooked months ago. I havent received and follow up collection effort from the company advance America sold my loan to. XXXX XXXXXXXX XXXX. The calls are threatening and misleading a company name wasnt even left on my voicemail but you threaten action.
05/19/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MT
  • 59601
Web
After reviewing my XXXX credit report, I found a listing from XXXX XXXX XXXX, for a payday loan from Advance America. I previously had a conversation with Advance America in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
04/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 449XX
Web
I got a payday loan on XX/XX/19 for XXXX , payback {$780.00}, Advance America XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX is closing down, I agreed to pay back {$200.00} for, I thought was 4 months, when i went in on XX/XX/19, they tell me I have 7 more payments of XXXX .? thats {$1800.00} on a {$700.00} loan! I am on XXXX XXXX and can not make these payments! Company said, sorry!
12/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • OH
  • 44221
Web
This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX
02/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 759XX
Web Older American, Servicemember
Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.
08/06/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • OK
  • 74136
Web
I went in to Advance America to obtain a loan for bills since I had just moved to the area. I filled out all the paperwork including giving her a blank check with the amount I needed. She let me think I was approved by asking for references and telling the amount I was able to receive. By the end of the process which took an hour I was told that I was denied due to my credit history.
08/01/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75149
Web
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from Advance America as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.
08/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • TN
  • 37643
Web
Was last getting paid off then check into saying not been paid after I Paid XXXX XXXX back just for a XXXX loan gotten a XXXX from the place I Paid it off that's yes it's paid In Full ... Believe that why my credit score staying low bc of theses places that Already Paid off ... is Advance America one Gotten Proof I Already Paid in full ... Still trying get proof of a few more ...
01/19/2017 Yes
  • Payday loan
  • Can't contact lender
  • KS
  • 67216
Web
I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.
02/16/2016 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 95662
Web
I received a payday loan and prior to the due date of the loan Advance America contacted my wife on her phone line as a reminder to pay on due date. My number is active should of been the only number contacted unless the loan was past due and my wife was contacted as a reference ( as intended when her info was left ). My wife has now received 2 calls from advance america.
09/11/2023 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • MI
  • 48602
Web
After borrowing the money, two days later they sent the check to my bank, I tried talking to them of their mistake, they ignored me and my account was closed due to this problem. in the end I lost money, after I started receiving phone calls like crazy I asked them to stop but they didn't. long story short this eventually ended up on my credit report as a debt not paid.
10/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 350XX
Web
On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount
03/13/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30736
Web Servicemember
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.
06/12/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 75165
Web
I want to file an complaint. I had borrowed an installment loan from Advance America in XXXX, Texas. I cant remember the exact date. I remember requesting to revoke ACH authorization from my bank account. As of XX/XX/2020, Advance America had taken money from my bank account without my permission. If you can look into this matter, I would be greatly appreciated.
06/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 77053
Web Servicemember
On XXXX I called Advance America to pay off my loan. They refused to take payment. The rep stated I refinanced the loan so I have to pay {$200.00} on XXXX and then {$1000.00} on XX/XX/2019. They took the {$200.00} out of my account already XXXX. The contract states that I can pay off early. To me it looks like they are trying to get an extra {$200.00} out of me.
08/15/2022 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44511
Web Servicemember
I received a letter from XXXX XXXX XXXX stating I owe money to. Advance America. I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. I would like to dispute this information as it may be identity theft. This information does not show up on my credit report. XXXX XXXX XXXX reference number XXXX
06/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OK
  • 73099
Web
I am on a biweekly contract for {$85.00}. They have started taking $ XXXX for {$1800.00} and did not go off of the payment contract ending XX/XX/23. This is very illegal and they refuse to help me. They are blaming me saying its in default when they never contacted me. There was no schedule change and my original payment schedule still stands on their website!
10/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 367XX
Web Servicemember
I receive 2 or 3 phone calls every day since early XXXX, my references receive calls. I will gladly satisfy this debt however even after 1st telling them the calls haven't stopped as though they are going to intimidate me. If the calls stopped for just 3 or 4 days I would satisfy my obligation but not because they keep calling me as well as my references.
10/03/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • PA
  • 186XX
Web
I keep getting calls from a debt collector XXXX or XXXX saying they are calling for advanced America when I called advanced America they say I dont owe them any money but this debt collector is very rude hangs up on me when I try to explain it and tells me I need to get a attorney because I am going to be sued and they are going to contact my employer.
03/20/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • XXXXX
Web
Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.
07/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MS
  • XXXXX
Web
XX/XX/23 I contacted the company to let them know that I was experiencing economic hardship that I can not afford to pay every two week..They ach debit my account on a Tuesday in which it put me in the negative with nsf charge. XX/XX/23 I contacted the company again with no solution they are just ach debit my account with more nsf charge..
03/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • VA
  • 23320
Web Servicemember
This loan with express check advance was brought out by advance america or XXXX XXXX I paid this payday loan off in XXXX. I spoke with the state system XXXX they advised me this is still showing unpaid. I advised the three companies I can provide a paid in full letter I received. They still have not updated information in the state system.
05/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 434XX
Web Older American
Advance America lost my final payment which cleared my bank on XX/XX/2022. The bank shows they took their payment. They simply refuse to address their error, instead insisting that I pay them more. I've spoke to many people and provided more than sufficient proof, which they declined when I refused to EMAIL my social and date of birth.
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92405
Web
15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
03/30/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AL
  • 366XX
Web
I had couple collection companies calling me about the debt to the original creditor Advance America for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. I personally call Advanced America and they told me that I had pay that debt, also I have a letter confirming that I make that payment.
08/17/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75032
Web
The company call today and said that they will be delivering me documents filed to take me to court and could deliver at my job. The name of the company is not mention, only the debt they are collecting for Advance America, XXXX XXXX XXXX XXXX. Case XXXX. Stating this is for fraudulent check wrote to the pay day loan place
11/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94117
Web
the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said
05/04/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MI
  • 48813
Web
Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.
06/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 341XX
Web
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/16/2016 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 38125
Web Older American
I 've contacted Advanced America Cash Advance trying to settle my debt.and acquire a payoff my interest rate is 222.10 percent. They refuse to give me the requested information. I no longer want to owe them money. They have been rude and uncooperative. I would appreciate your assistance in this urgent matter.
09/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 480XX
Web Servicemember
XXXX XXXX XXXX has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from Advance America so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX
04/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • XXXXX
Web
I live in XXXX, Ohio. On XX/XX/XXXX, I got an online 6 month loan from Advance America and found out that the interest I am being charged 332.78 % APR. My understanding is that they now must lower their rate to 26 % APR. I would like them to follow the new laws here in Ohio that were enacted in XXXX.
02/16/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • XXXXX
Web
Someone took an Advance America account in my name they got a payday loan with my name and I had a fraud alert on my file on my credit report and they went through with it anyway without calling me to verify who the owner was I never got a payday loan with Advance America and they will not help me
05/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 36582
Web
I received a Payday loan XX/XX/2014 and I was making payments until I lost my job and I contacted agency to see if I could post pone my payments until I began working again they refused my attempt and I have n't heard from them since until today I received an email threatening to arrest me
10/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • KS
  • 67218
Web
I revoked my Authorization for electric debit in XXXX and today XX/XX/2022 they tried to put a check thru for {$100.00}. I was charged a nsf fee because of this and advance America claims I didnt revoke my authorization but I have the email from them when I did and I will attach it as well.
05/27/2021 No
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33162
Web
Ive already been in communication with XXXX XXXX XXXX who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021
02/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 387XX
Web Servicemember
XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.
10/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 442XX
Web
I never applied for this loan and it is fraud. I have filed court order but did not press charges. I do not understand how the loans are stated but this is not week to take dime out of my account. Multiple loans came out of my account for years. XXXX isnt my email.. or whatever it is.
05/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • XXXXX
Web Older American
I got this payday loan from Advance America to pay off the payday loan from XXXX. However, the more I paid off the first loan I had to pay my everyday bills then pay Advance America and got caught up in the cycle. Other daily unexpected events just has prevented me from repaying them.
07/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 77373
Web
On XX/XX/2021, Advance America located at XXXX XXXX XXXX XXXX XXXX, TX XXXX called my job and left a message with one of my co-workers asking for my call to be returned for a personal business matter. It was very unprofessional and not a good look for me to receive a personal call.
10/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • OH
  • 442XX
Web
Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.
07/25/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 936XX
Web
On Saturday XX/XX/2023 I discovered a collection agency on my credit report trying to collect for Advanced America in the amount of {$3400.00}. I filed a police report XXXX Police Dept report # XXXX officer XXXX XXXX . This is not my debt and have never used these services.
03/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 296XX
Web
Advance America was a payday loan company that went out of business. There wasnt a credit check done to get approved for the loan, but they changed ownership and now are reporting it on my credit without giving me a chance to pay the loan back after they closed down.
03/07/2017 Yes
  • Payday loan
  • Can't contact lender
  • VA
  • 238XX
Web Servicemember
Just received a call saying I owe {$1300.00} from XXXX debt collection from 10 yrs ago. I never applied for one and have n't heard about this until today. They do n't have any paperwork to show proof so I need to file this complaint. Their phone number is XXXX.
08/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • IN
  • 46142
Web
I took out a payday loan almost a year ago. Advance America has been harassing me via phone for 2 months. They call from different numbers or even their personal cell phone numbers and call from out of state numbers. Multiple times per day impending my job.
10/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 442XX
Web
I never opened the loaned. I had someone who opened accounts and stuff in my name without my knowledge. Police report has been made and she has confessed.. I will send the later stating what she has done. I do not want payments coming out of my account.
07/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77479
Web
I keep getting a robocall 2-5x per day from Advance America asking for someone to pay their debt. That person is completely unknown to me. The robocall ends with saying if I am not the person, please ignore. The volume of calls has become an annoyance.
05/13/2016 Yes
  • Payday loan
  • Can't contact lender
  • TN
  • 37013
Web
This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. I just want to know if this company is legitimate.
03/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • FL
  • 34109
Web Older American
I have an email confirmation that revoked ACH withdrawals from this Company. They waited 3 months and began the withdrawal again. The confirmation was dated XX/XX/XXXX. They resumed with withdrawal in XX/XX/XXXX. The withdrawal was for {$220.00}.
04/15/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CO
  • 80602
Web
Advance America XXXX, Colorado continues to charge my account the wrong amount bi-weekly. I have not authorized the amount. I have called them multiple times regarding this and they choose to avoid it and continues to try and withdraw the money.
12/04/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • MI
  • 48081
Web Older American
After the last complain i made to advance America because of the loan that was taken out of identity fraudthe complain was attended to and solve, but I went in to apply for a loan, they wont welcome me and says not approved without any reason
03/22/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • AL
  • XXXXX
Web
Asking Advance America to work with debt relief company XXXX XXXX XXXX about negotiating a solution for a payment plan. XXXX XXXX is handling my debt problem and all phone calls need to directed toward XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/15/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • SC
  • 29588
Web
Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.
06/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • AL
  • 36116
Web Servicemember
i got a title loan around covid time now the title company is not doing titles any more they are trying make me go to another loan company to get them to buy my title from them back and thats putting me in bigger debt i cant afford it
11/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • MI
  • 48081
Web Older American
My identity was stolen and applications was done in my name with my information, I went there to complain and asked them to make necessary corrections and make my account in good standing so I can take out a loan, but they wont help
03/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • PA
  • 15301
Web
My husband and I got a pay day loan cant afford to pay on it and they call me minute after minute with different numbers and in known numbers from XXXX XXXX through out the day even in XXXX First American loans XXXX Ohio Under XXXX
06/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MI
  • 49418
Web Older American, Servicemember
I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.
09/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • CA
  • 952XX
Web
XX/XX/2021 {$190.00} set for next month. Money was taken from bank account but not shared with bank and claim was sent in. Wallet was stolen and lost again. Money was put on credit card but loan did not take credit card.
05/06/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 782XX
Web
Advance America DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company 2023.
10/15/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • AL
  • 36869
Web
I got a few calls from this company and they listed their name on my voicemail ; now my wife knows ... .. We're getting a divorce ... .. They should never say their name on a voicemail .. Please help and stop them ..
02/25/2022 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • LA
  • 71220
Web Servicemember
Company keeps calling everyday asking for a XXXX XXXX. Ive informed them it is wrong number but continue to call every day leaving harassing messages. Ive never had any loan or businesss dealings with this company.
10/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 775XX
Web
XX/XX/2019. i was contacted by a representative of Cash Advance that I had a loan payment past due and was in collections.This loan was taken out without my knowledge or consent. The loan was taken out XX/XX/2019.
09/09/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 76205
Web
Today ( XX/XX/XXXX ) and last Friday ( XX/XX/XXXX ) Advance America has called my employer in an attempt to collect a pay day loan. To my understanding, it is illegal for them to contact my employer in this manner.
01/19/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 349XX
Web
Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • TX
  • 761XX
Web
XXXX XXXX XXXX /Advance america had a data security breach and my SSN was leaked on XX/XX/2023 and i and now my information is on the dark weband i want to sue XXXX XXXX XXXX for my leaked information ASAP
01/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 297XX
Web
Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call
07/25/2016 Yes
  • Payday loan
  • Can't contact lender
  • MO
  • 64086
Web
Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.
11/25/2017 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 77379
Web
The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.
03/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 76179
Web
THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX
03/22/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 93535
Web Servicemember
Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses
10/26/2020 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19130
Web
Advance America has received notices from me to stop contacting them through here once or more than through my debt consolidation company, they need to stop with these threats!
07/13/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77459
Web
XXXX XXXX XXXX XXXX XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.
03/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IN
  • 468XX
Web
An ex-boyfriend of mine in XXXX knew all of my information ( since, don, address ... etc ) he got a payday loan in XXXX, XXXX. and I being held accountable for his actions.
05/16/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • TX
  • 75206
Web
This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.
05/05/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77407
Web
I got suspicious emails that I think is someone trying to impersonate Advance America & I have attached them below & a letter in the mail asking me for debt to be paid
04/26/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77450
Web
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
02/25/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33604
Web
I was born and raised in XXXX I just moved to XXXX on XXXX XXXX ... I ha e reached out to the debt which is only XXXX ... its not mine is there anything we can do
01/11/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 349XX
Web
Collector keeps calling my sister in law requesting for payment. I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop
01/29/2017 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • XXXXX
Web
they keep on calling my friends telling that they are XXXX court and I have a case and even said they are the pollice officer giving a friend of mine case number.
09/13/2021 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94577
Web
Company keeps calling my number daily for another person 's debt. Want it stop. I keep blocking a number and they are using some type of roaming number to call.
09/13/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OH
  • 453XX
Web
I sent out a Cease and Desist letter to have Advance America stop all collections efforts. They sent out a letter in the mail which I consider a scare tactic.
12/22/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 360XX
Web
I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them.
05/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • IL
  • 60419
Web
A fraudulent payday loan was opened in my name in a Indiana store location. I'm a Illinois resident and never took out a payday loan with Advance America.
09/09/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94520
Web Servicemember
They not only call my cell phone multiple times a day but are now attempting to call me at work when I never even gave them that number. That's illegal.
09/06/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 450XX
Web
This debt was handled by an attorney the agreement was that Advance America would remove information from my credit reports and they have not done so
08/01/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 32244
Web
I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.
09/20/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AL
  • 367XX
Web
I never spoke with this company about a debt owed. Why am Im receiving a letter saying my settlement wasnt paid. Thats very inaccurate information.
12/06/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • WY
  • 824XX
Web
Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months
05/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • MS
  • 392XX
Web
I tried asking for my promissory note with my signature. I need the original contract that i sign that has the arbitration agreement attached
12/09/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 77072
Web Servicemember
XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.
07/25/2019 Yes
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 90006
Web
They have been contacting my friend who has absolutely nothing to do with my loan, the same collector is threatening to come to my address
06/28/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77035
Web
I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is XXXX
04/22/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AL
  • 35950
Web
I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48906
Web
They are giving my information out to these debt collectors which is illegal in order to get a compensation for me which I do not owe
11/02/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48081
Web Older American
A debt collector contacted me I they bought my loan and I am supposed to pay {$690.00} dollars which happened due to identity theft
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 339XX
Web Servicemember
I haven't done anything but enroll in the XXXX XXXX for credit monitoring like suggested on the paper sent to me on XX/XX/2023.
02/26/2021 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70726
Web
Repeated calls to my cell phone throughout the day. Example : Received calls today, XX/XX/2021 XXXX XXXX XXXX XXXX
11/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 33311
Web
XX/XX/2019 paid back loan but still saying I owe the loan. And saying I have other loans that I never applied for.
07/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • SC
  • 29229
Web
XXXX XXXX or XXXX charges to my account from a loan company illegally charging me. The bank closed my account
11/09/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 93906
Web
Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay
10/07/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • KS
  • 67212
Web
i got a phone call from advance america saying that owe them money but i dont have a recepit for it
01/15/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 660XX
Web
Payday Loan company continually calls my family, they have asked for them to stop calling them.
10/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 95621
Web
advance america charged me outrageous and illegal interest and fees for a payday loan
12/13/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • OK
  • 741XX
Web Older American
Received a letter which upon first glance appears to be from a Court of Law.
01/10/2017 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • OH
  • 43130
Web
I was APPROVED And funds were never given but now I 'm being charged
01/05/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92065
Web
They keep calling me at all times and don't leave any information.
09/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 19130
Web
not paying no more on these loans since these are illegal in pa
06/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WI
  • 54935
Web
Inquiry from purpose financial that was not authorized.
01/12/2016 Yes
  • Payday loan
  • Can't contact lender
  • PA
  • 155XX
Web
I do not want this lender to contact me anymore period.
01/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 91706
Web
Some one got access to my account
01/25/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89048
Web Older American
01/23/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48186
Web
01/23/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Getting a line of credit
  • KS
  • 67401
Phone
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70364
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76031
Web
12/29/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • TN
  • 374XX
Web Servicemember
12/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • TX
  • 79927
Web
12/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33176
Web
12/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • PA
  • 19426
Web
11/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 31903
Phone Older American
11/24/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • MO
  • 63074
Web
11/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • AL
  • 35208
Web
11/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • SC
  • 29730
Web
10/30/2023 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MA
  • 01001
Web
10/22/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32810
Web
10/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35954
Web Older American
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33312
Web
09/20/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 66002
Web Older American
09/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NC
  • 28431
Phone
09/08/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • KS
  • 66090
Phone
09/01/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • SC
  • 29936
Postal mail Older American
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • RI
  • 02914
Web
08/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MO
  • 64130
Phone
08/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33015
Phone
08/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 44212
Web
08/05/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75001
Web
08/01/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29209
Web
07/12/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45239
Web
07/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Confusing or misleading advertising or marketing
  • SC
  • 29209
Web
06/22/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 75249
Phone
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43130
Phone
06/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 62226
Web
06/14/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75703
Web Servicemember
06/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29581
Phone
06/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CA
  • 90027
Web
06/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • KS
  • 67219
Phone Older American
06/05/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80233
Web
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29210
Web
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92345
Web
05/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 36322
Web Servicemember
05/01/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33967
Web Older American
04/01/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 36117
Web
03/04/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 95632
Web
03/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32503
Web Servicemember
02/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90247
Web
01/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • FL
  • 32750
Web
12/20/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • NV
  • 89502
Web
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 360XX
Web
10/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77054
Phone
10/11/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KS
  • 67114
Web
09/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 78211
Referral
09/19/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44805
Web
09/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • IN
  • 46517
Phone
08/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 65018
Web
08/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • OK
  • 74066
Phone Older American, Servicemember
07/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • TX
  • 78217
Phone
06/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92679
Web
06/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • KS
  • 67212
Web
05/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29322
Web
03/28/2022 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 44129
Phone
03/22/2022 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • WY
  • 82801
Phone
01/29/2022 No
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • SC
  • 29906
Web
12/06/2021 No
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 45504
Phone
12/03/2021 No
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 93036
Web
12/02/2021 No
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48174
Web
11/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MI
  • 48189
Web
08/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • FL
  • 32907
Web
08/22/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32714
Web
06/23/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 20109
Phone
06/11/2021 No
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32218
Phone Older American
06/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33312
Web
05/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80906
Web
05/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 77662
Phone
05/07/2021 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32218
Phone Older American
03/27/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98404
Web Servicemember
01/20/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • VA
  • 24572
Web
01/16/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IA
  • 51401
Web
01/15/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45215
Web
12/07/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70128
Web
11/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 95023
Web Older American
11/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 95023
Web
09/24/2020 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90706
Referral
09/23/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91743
Web Servicemember
09/23/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 91791
Web
09/21/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44805
Web
09/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 90706
Postal mail
09/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other service problem
  • MS
  • 39203
Phone Older American, Servicemember
08/28/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • FL
  • 32535
Referral
08/18/2020 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Can't contact lender or servicer
  • TN
  • 37322
Web
06/25/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • WI
  • 54115
Web
06/11/2020 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33283
Web
05/16/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NE
  • 68128
Web
01/28/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66609
Phone
11/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • SC
  • 293XX
Web
11/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Loan payment wasn't credited to your account
Phone
11/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33613
Web
09/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • OH
  • 43920
Phone Servicemember
08/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 79932
Web
08/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92404
Web
08/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 70461
Web
08/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MS
  • 39401
Web
08/20/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • MS
  • 39180
Referral
08/12/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 53805
Phone
08/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OH
  • 44281
Web Servicemember
07/26/2019 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 79935
Web
07/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 45050
Web
07/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • LA
  • 71251
Web
07/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32550
Web
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 75491
Phone
06/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 75491
Web Older American
06/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29678
Phone
06/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • SC
  • 29687
Web
06/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44224
Fax Older American, Servicemember
06/04/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • FL
  • 32550
Web
05/10/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44306
Fax Servicemember
04/26/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • TX
  • 76028
Web
04/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Vehicle was repossessed or sold the vehicle
  • OH
  • 43912
Postal mail
04/10/2019 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
04/09/2019 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IN
  • 47374
Web Servicemember
04/08/2019 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75243
Web Servicemember
04/01/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 91387
Postal mail
03/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • LA
  • 71251
Web
02/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Struggling to pay your loan
  • LA
  • 71251
Web
01/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • RI
  • 02914
Web
01/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • MI
  • 48183
Web
01/09/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IN
  • 47320
Web
01/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information is missing that should be on the report
  • WI
  • 53704
Postal mail
01/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • KS
  • 67207
Postal mail
12/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • MN
  • 55125
Web
12/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • IN
  • 47320
Web
12/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32177
Web
12/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NV
  • 89011
Web
12/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • FL
  • 32177
Web
11/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • AL
  • 35184
Phone
10/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • CA
  • 95841
Web
10/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • OH
  • 442XX
Web
10/29/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 94602
Web
08/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
Phone
08/24/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 75414
Web
08/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 90026
Web
08/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • SC
  • 29045
Web
08/03/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • MD
  • 20748
Phone
07/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • MS
  • 39090
Phone
07/31/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 43606
Web
07/25/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 77571
Web
07/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33126
Web
06/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 48342
Phone
05/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 43920
Fax
04/30/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 43920
Fax
04/19/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44663
Fax Servicemember
03/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't contact lender or servicer
  • NE
  • 68107
Web
03/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • FL
  • 32746
Web
03/01/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44320
Fax Servicemember
01/24/2018 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • SC
  • 29078
Web
01/24/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • KS
  • 66441
Web Servicemember
01/11/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • OH
  • 45157
Web
01/10/2018 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 90068
Web
01/07/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 45644
Web Servicemember
01/03/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89121
Web
12/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 445XX
Web Older American
12/26/2017 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • OH
  • 45424
Web
12/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 32780
Web
12/11/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44708
Fax Servicemember
12/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 32720
Web
12/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • FL
  • 33826
Web
11/28/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NV
  • 89121
Web
11/27/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • MA
  • 02330
Web
11/27/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 76574
Web
11/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OR
  • 97224
Web
11/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Was approved for a loan, but didn't receive the money
  • AL
  • 36054
Web
11/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • LA
  • 70452
Web
11/03/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • CA
  • 94589
Phone
11/02/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 95834
Web Servicemember
10/26/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • MI
  • 49093
Web
10/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 90650
Web
10/20/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
Phone
09/24/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 79415
Web
08/24/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92399
Web
08/23/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NV
  • 89117
Web
08/08/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 75238
Web Older American, Servicemember
07/28/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • OH
  • 44706
Fax Servicemember
07/12/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44305
Fax Servicemember
07/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • FL
  • 33125
Web
06/21/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • CA
  • 93638
Web
06/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • SC
  • 29073
Web
06/20/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • OH
  • 44857
Referral
06/14/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77045
Web
05/31/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92373
Web
05/24/2017 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95603
Web
05/22/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • TX
  • 77045
Web
05/17/2017 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IA
  • 51503
Phone
05/15/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MD
  • 20743
Web
05/10/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • CA
  • 95603
Web
05/08/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 90731
Web Older American, Servicemember
05/06/2017 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • AL
  • 36605
Web
05/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Can't stop withdrawals from your bank account
  • CA
  • 94131
Web
05/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 95531
Web Servicemember
04/19/2017 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 35215
Phone
04/14/2017 Yes
  • Payday loan
  • Payment to acct not credited
  • CA
  • 92625
Postal mail Older American
04/03/2017 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Indicated committed crime not paying
  • MO
  • 63017
Web
03/30/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 44870
Web Servicemember
03/28/2017 Yes
  • Other financial service
  • Refund anticipation check
  • Customer service/Customer relations
  • CA
  • 92040
Web
03/13/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • MO
  • 64804
Web
03/06/2017 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TN
  • 38127
Web
02/08/2017 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75418
Referral
02/06/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 32814
Web
01/31/2017 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37210
Phone Servicemember
01/24/2017 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 43026
Web
01/17/2017 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • KS
  • 66106
Web
01/13/2017 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TX
  • 79936
Web
01/08/2017 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44444
Web
12/22/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95811
Phone
12/21/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • TX
  • 77048
Web
12/19/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 65616
Referral
12/17/2016 Yes
  • Payday loan
  • Can't contact lender
  • KS
  • 66219
Web
12/13/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 91505
Phone
12/06/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • WA
  • 90982
Phone
12/06/2016 Yes
  • Payday loan
  • Can't contact lender
  • SC
  • 29681
Web
11/26/2016 Yes
  • Consumer Loan
  • Pawn loan
  • Charged fees or interest I didn't expect
  • TX
  • 77568
Web
11/22/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30736
Referral
11/15/2016 Yes
  • Payday loan
  • Can't contact lender
  • WA
  • 98226
Web
11/14/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • KS
  • 66701
Phone
11/02/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • MS
  • 39773
Web
10/28/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 77836
Web
10/21/2016 Yes
  • Payday loan
  • Can't contact lender
  • OH
  • 45231
Postal mail
10/13/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • 44706
Postal mail Servicemember
10/05/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • SC
  • 29620
Web
09/13/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AL
  • 35214
Web
09/08/2016 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 77632
Web
08/29/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 67203
Phone
08/25/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 29693
Phone
08/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • KS
  • 66223
Web
08/12/2016 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94558
Phone
08/02/2016 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • IN
  • 46375
Web
07/25/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77573
Web
07/20/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 91607
Phone
07/16/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 92264
Web
07/14/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • LA
  • 70560
Web
07/05/2016 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 38210
Web
06/30/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • CO
  • 80239
Web
06/20/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90710
Web
06/09/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • VA
  • 22314
Web
06/06/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92150
Web
05/02/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 32129
Web
04/28/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TN
  • 37745
Web
04/28/2016 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • AL
  • 36874
Phone Servicemember
04/06/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • NV
  • 89433
Web
03/29/2016 Yes
  • Payday loan
  • Payment to acct not credited
  • KY
  • 40515
Web
03/28/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WI
  • 54913
Web
03/27/2016 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 78767
Web
03/02/2016 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • CA
  • 92646
Referral
02/08/2016 Yes
  • Payday loan
  • Can't contact lender
  • MI
  • 48180
Web
02/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20910
Web
02/04/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • IA
  • 52402
Web
02/01/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 95531
Referral
01/28/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • IA
  • 52402
Web
01/23/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79908
Web Servicemember
01/23/2016 Yes
  • Payday loan
  • Can't stop charges to bank account
  • SC
  • 29445
Web
01/22/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called outside of 8am-9pm
  • AL
  • 35211
Referral
01/12/2016 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 71107
Phone Older American
01/06/2016 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CA
  • 93705
Web
12/31/2015 Yes
  • Payday loan
  • Can't contact lender
  • VA
  • 24541
Phone Servicemember
12/29/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • AL
  • 35966
Web
12/19/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 36605
Web
12/15/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • IA
  • 50322
Web
12/08/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 38732
Web
12/05/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • AL
  • 36322
Web
12/03/2015 Yes
  • Payday loan
  • Can't contact lender
  • PA
  • 15001
Web
11/14/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MO
  • 63010
Web
10/31/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • IN
  • 46123
Web
10/29/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • NV
  • 89406
Fax Servicemember
10/08/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • TX
  • 75010
Web
10/01/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OH
  • 44646
Web
10/01/2015 Yes
  • Consumer Loan
  • Title loan
  • Charged fees or interest I didn't expect
  • AL
  • 35051
Phone
09/23/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 20171
Web
09/21/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 92555
Web
09/15/2015 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 91950
Web Servicemember
09/11/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • CA
  • 93637
Web
09/10/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 44130
Web
09/04/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TN
  • 38118
Phone
08/31/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • SC
  • 29907
Web
08/25/2015 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 94591
Web
08/18/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • VA
  • 22153
Web
07/27/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 89084
Web Servicemember
07/24/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 90301
Web
07/24/2015 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • VA
  • 23059
Web
07/17/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 90660
Web
07/13/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • NV
  • 89445
Web Older American
07/07/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 24133
Phone
06/30/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AL
  • 36301
Web
06/24/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OK
  • 74133
Web Older American
06/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95301
Postal mail
06/02/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • KS
  • 67530
Phone
05/26/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • IL
  • 60124
Web
05/20/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 93703
Postal mail
05/05/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • WI
  • 53913
Phone
04/28/2015 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90044
Phone
04/20/2015 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 46221
Web
04/15/2015 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • VA
  • 22311
Web
04/14/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 77515
Web
04/01/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • FL
  • 33311
Phone
03/30/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • CA
  • 90029
Postal mail
03/25/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 94103
Web
03/23/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • FL
  • 32063
Web
03/23/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 44306
Web
03/20/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95670
Web
03/18/2015 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 95124
Web
03/12/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 94118
Web
03/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TN
  • 37363
Web
03/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 45373
Referral
03/07/2015 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • OH
  • 45373
Postal mail
02/27/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • LA
  • 71351
Web
02/27/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • VA
  • 23803
Web
02/25/2015 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • WI
  • 53143
Web
02/24/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • IA
  • 50315
Web
02/21/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CO
  • 80525
Web
02/01/2015 Yes
  • Payday loan
  • Payment to acct not credited
  • TX
  • 75248
Web
01/29/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 92706
Web
01/22/2015 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • PA
  • 15501
Web
01/09/2015 Yes
  • Payday loan
  • Can't stop charges to bank account
  • TX
  • 76006
Web
01/06/2015 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • MS
  • 39213
Web
01/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 91201
Web
12/30/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 91362
Web Older American, Servicemember
12/23/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 43055
Phone Older American
12/22/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • AL
  • 36303
Web
12/14/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CO
  • 81001
Web
12/05/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called outside of 8am-9pm
  • OK
  • 74170
Web
11/28/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • IL
  • 60153
Web
11/27/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • GA
  • 30263
Web
11/25/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92336
Web
11/20/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • OH
  • 43223
Web
11/20/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • FL
  • 34981
Web
11/17/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called outside of 8am-9pm
  • AL
  • 35244
Web
11/14/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95826
Web
11/06/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 91201
Web
11/05/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MI
  • 48073
Web
10/29/2014 Yes
  • Consumer Loan
  • Title loan
  • Lender repossessed or sold the vehicle
  • VA
  • 23420
Phone
10/16/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 93221
Web
10/14/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • CA
  • 90305
Web
10/14/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • WA
  • 98579
Web
10/14/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 92806
Web
10/02/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • LA
  • 70668
Web
09/28/2014 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 32811
Web
09/27/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • AL
  • 35603
Web
09/24/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48212
Phone
09/18/2014 Yes
  • Payday loan
  • Can't contact lender
  • TX
  • 77053
Web Servicemember
09/18/2014 Yes
  • Payday loan
  • Can't contact lender
  • IN
  • 46176
Web
09/16/2014 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • WA
  • 98412
Phone Servicemember
09/12/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • CO
  • 81504
Web
09/12/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 32301
Web
09/10/2014 Yes
  • Payday loan
  • Can't contact lender
  • FL
  • 32708
Web
09/06/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • FL
  • 33437
Web
09/04/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80221
Phone
09/03/2014 Yes
  • Payday loan
  • Can't contact lender
  • CA
  • 93906
Web
08/29/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 95835
Web
08/27/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IN
  • 47562
Postal mail
08/26/2014 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • SC
  • 29571
Web
08/22/2014 Yes
  • Payday loan
  • Can't contact lender
  • IA
  • 51534
Web
08/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 95660
Phone
08/07/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • LA
  • 71291
Web
08/03/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 37217
Web
07/28/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77433
Web
07/24/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • MS
  • 38655
Web
07/17/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 91803
Web
07/17/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • WI
  • 53144
Web
07/12/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Indicated committed crime not paying
  • WA
  • 98203
Web
07/10/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95824
Phone Older American
07/10/2014 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 76244
Web
07/09/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • FL
  • 33257
Web
07/09/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Indicated committed crime not paying
  • OH
  • 45255
Web
07/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • FL
  • 33801
Postal mail Servicemember
07/01/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • ID
  • 83709
Web
06/23/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • AL
  • 35811
Phone
06/21/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 32309
Web
06/11/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NM
  • 87401
Referral
05/31/2014 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • NC
  • 27027
Web Servicemember
05/28/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • SC
  • 29649
Web
05/28/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • SC
  • 29407
Web
05/28/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NM
  • 87401
Phone
05/16/2014 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • MS
  • 38655
Web
05/16/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 93454
Phone
05/13/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • WI
  • 54303
Web
05/12/2014 Yes
  • Payday loan
  • Charged bank acct wrong day or amt
  • ID
  • 83703
Web
05/09/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • AZ
  • 85303
Web
05/09/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • NM
  • 87109
Web
05/02/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 33903
Web
05/02/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78382
Web Servicemember
05/02/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66616
Phone Servicemember
05/01/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22488
Web
05/01/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • OH
  • 45230
Web Servicemember
04/29/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 95134
Referral
04/28/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37871
Web
04/26/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CO
  • 80231
Web
04/23/2014 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • IN
  • 47348
Web Older American, Servicemember
04/22/2014 Yes
  • Debt collection
  • Payday loan
  • False statements or representation
  • Impersonated an attorney or official
  • CA
  • 95816
Web
04/20/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 91304
Web
04/17/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Called after sent written cease of comm
  • MI
  • 48034
Web
04/16/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 95660
Web Servicemember
04/15/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 95336
Web
04/14/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • CA
  • 95336
Web
04/14/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 95336
Web
04/11/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • TX
  • 75104
Web
04/11/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 92563
Web
04/09/2014 Yes
  • Payday loan
  • Can't contact lender
  • AZ
  • 85326
Web
04/07/2014 Yes
  • Payday loan
  • Received a loan I didn't apply for
  • DE
  • 19904
Web
04/01/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MO
  • 64132
Phone
04/01/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 46131
Phone
04/01/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • OH
  • 45140
Web
03/31/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92506
Phone
03/26/2014 Yes
  • Payday loan
  • Can't contact lender
  • NH
  • 03867
Web
03/20/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 95758
Web
03/18/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MO
  • 65706
Web
03/12/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • WI
  • 54932
Web
03/11/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • LA
  • 70808
Web
03/11/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • TX
  • 77088
Web
03/10/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • OH
  • 44132
Web
03/01/2014 Yes
  • Payday loan
  • Payment to acct not credited
  • IN
  • 47130
Web
02/28/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • MO
  • 64068
Web
02/27/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • OH
  • 44672
Web
02/25/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • VA
  • 23221
Web
02/19/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • IN
  • 46320
Web
02/13/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 29609
Phone
02/12/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CO
  • 80013
Web
02/11/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • GA
  • 31548
Web
02/11/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 33904
Web
02/08/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • FL
  • 32210
Web
02/06/2014 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 44254
Web Servicemember
02/04/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 95464
Web
01/30/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • SC
  • 29678
Web
01/29/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 76367
Web
01/29/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 77379
Web
01/27/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 77396
Web
01/21/2014 Yes
  • Debt collection
  • Payday loan
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OK
  • 74701
Phone
01/20/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • SC
  • 29445
Web
01/14/2014 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • FL
  • 32309
Web
01/10/2014 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92308
Phone Servicemember
01/10/2014 Yes
  • Payday loan
  • Can't stop charges to bank account
  • CA
  • 91755
Web
01/04/2014 Yes
  • Debt collection
  • Payday loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98261
Web
12/19/2013 Yes
  • Payday loan
  • Payment to acct not credited
  • SC
  • 29073
Web
12/09/2013 Yes
  • Payday loan
  • Payment to acct not credited
  • CA
  • 94403
Web Older American
12/07/2013 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • IL
  • 60438
Web
12/06/2013 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 75211
Web
12/03/2013 Yes
  • Payday loan
  • Can't stop charges to bank account
  • NV
  • 89108
Referral Older American
12/02/2013 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • FL
  • 32404
Phone
11/27/2013 Yes
  • Payday loan
  • Applied for loan/did not receive money
  • FL
  • 33991
Web
11/25/2013 Yes
  • Debt collection
  • Payday loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46260
Phone
11/22/2013 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 71118
Web
11/18/2013 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 95823
Web
11/10/2013 Yes
  • Payday loan
  • Payment to acct not credited
  • FL
  • 32256
Web
11/07/2013 Yes
  • Debt collection
  • Payday loan
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 75034
Web
11/06/2013 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Threatened to take legal action
  • SD
  • 57401
Phone
11/06/2013 Yes
  • Debt collection
  • Payday loan
  • Communication tactics
  • Frequent or repeated calls
Phone
10/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • OK
  • 74066
Referral
10/25/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 66062
Phone
10/03/2013 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 91706
Web
09/24/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • CA
  • 95901
Web
09/19/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 92399
Web
09/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • VA
  • 23462
Web
09/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • SD
  • 57401
Web
09/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • AL
  • 35114
Phone
09/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89104
Phone Older American, Servicemember
09/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29211
Phone
09/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21911
Phone
09/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 45449
Web
09/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44706
Phone
09/05/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 38125
Web
09/03/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 47546
Web
08/28/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 75013
Web
08/28/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • OH
  • 44270
Phone
08/15/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29906
Phone