Business Profile
Financial Services
Amscot CorporationHeadquarters
Complaints
This profile includes complaints for Amscot Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 28 total complaints in the last 3 years.
- 6 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:01/03/2023
Type:Product IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I purchased a money order at Amscot to pay a credit card bill. The credit card company did not receive the money order that I sent them. I called Amscot and they said it hadn't been cashed so I put in a claim to get my money back. They made me buy another money order for $12.00 in order to make the claim for over $100.00. I sent the new money order and the claim in to their corporate office and they responded two weeks later with "it will ***********-8 weeks to send a money order to me because they don't know if had been cashed". They have told me repeatedly that it wasn't cashed so I don't know what kind of a game they are playing and so far I don't have my money back.Business Response
Date: 01/04/2023
January 3, 2023
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************* (**************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however,there does not appear to have been any error on Amscots part.
Amscot received ************** stop payment claim form on December 14, 2022. The claim form ************** completed to request the stop payment indicates that it takes 30 to 45 days to process. Following receipt of the claim form, Amscot also sent an email confirming the processing time required to issue the stop payment. The Money Order in question is scheduled to be reissued this week and will be sent to the address provided by ***************
Amscot attempted to call ************** to discuss this matter with her but has been unable to make contact. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareCustomer Answer
Date: 01/05/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************Initial Complaint
Date:12/16/2022
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a money order from Amscot the beginning of November of the year 2022 I put in a claim form for my money order because it was destroyed in a liquid accidents. Upon me completing the form and mailing it off with two additional money orders one for $12 and another for $20 becoming a total of $32. It has been over a month since I have heard anything from the company about receiving replacement money orders of both $1000 each. There policy states six weeks but I have been waiting longer than six weeks for a replacement money order for both amounts containing $1000 I have provided evidence that the money orders were never cashed because the *** and also the teller at the bank is unable to read or scan the money orders due to the liquid damage. But it is still taking longer than a month for me to receive any funds of any kind whether its a cash refund or money orders. I would not recommend anyone to get a high priced money order from Amscot due to the processing time in them and not following their own policy. Those money orders were for my rent and utilities at my home so me and my kids would be able to have somewhere to stay with running water and lights.Business Response
Date: 12/16/2022
December 16, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************* (******************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
***************** file indicates she purchased money orders totaling $1,200.00 on November 16, 2022. Amscot has no record of any other money orders purchased by ******************.
Prior to ****************** feedback to the Better Business Bureau, Amscot had no record of a money order tracer request or any other communication regarding Ms. ***************************** orders.
Amscot reached out to ****************** directly to discuss the matter. ***************** indicated that she would review her records for the stub for the additional money order mentioned in her correspondence. Amscot also notified ****************** that, in the meantime, a stop payment has been ordered on the money orders of record and the process to issue the replacement money orders has been expedited. She has indicated that she is pleased with the resolution.
Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter,please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareInitial Complaint
Date:12/02/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took out a loan before Hurricane *** to help pay for shelter for my family and I. I could not afford to pay the loan back in full due to lack of hours at work caused by the storm, so I called and made payment arrangements. I was told I had to be in their office by 5 to do so, but I dont get out of work until 5, I work an hour away, and I had to work overtime that day. I was then told that I had until Monday to come in and make the payment. I showed up Saturday morning and was told that I no longer qualified for the payment arrangement because I did not come in Friday. In November, I was contacted by Amscot and we once again agreed to a payment arrangement, but this time, I was informed that I could pay over the phone. I called in today, December 1st, to make the 1st payment and am now being informed that I can make the payment at any Amscot location. I now have a $30 overdraft in my account and am also being charged additional fees by Amscot for the check being sent back. If I had been informed about payment over the phone or being able to pay at any Amscot location when I originally called to set up payment arrangements, I would not owe any extra fees or have my account in the negative because I literally work 1 mile from an Amscot. I was also told I had to be at the *************** location by 5pm and am now being told I have until the time they close at 9. I really dont feel I should have to pay anything back seeing as all of this couldve been avoided had the employees delivered the proper information. I would like this loan wiped from my records, or at the very least, the extra fees should be dropped and I should be reimbursed for the negative balance I had to pay in order to bring my account current.Business Response
Date: 12/02/2022
December 2, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************************* (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
******************* applied for a cash advance on September 27, 2022, and executed a Cash Advance Application and Cash Advance Agreement (collectively Agreement) in exchange for the funds requested. The Agreement specifies that the borrower is liable for fees associated with returned payments. ********************** payment was due on October 7, 2022.
On October 8, 2022, ******************** came to Amscot and asked about a ********************************** under ******* law and as outlined in the Agreement, the Grace ****** may only be elected prior to the due date. Accordingly, Amscot offered a due date change to October 31, 2022, which ******************** accepted. Pursuant to the terms of the Agreement, Amscot deposited ********************** check for payment. ******** returned the check due to insufficient funds.
Following the returned payment,Amscot worked with ******************** and set up a repayment arrangement consisting of four (4) payments of $62 each beginning on November 30, 2022. As of the date of this letter, no payment has been received under the agreed-upon arrangement.
Under Chapter 560, ******* Statutes, consumers may not enter into more than one deferred presentment transaction at a time. Each consumer signs a notice that they understand that requirement during the application process. To that end, ******* law requires that each deferred presentment transaction be registered with the **************** at the time of the transaction. The transaction may only be removed from the states database when the consumer completes repayment. This is a state law protection in place for consumers that helps measure and ensure their ability to repay their cash advances.
Returned payments may be repaid in cash at any Amscot branch, by debit card over the phone, or online by using the reference number provided in the letter ******************** would have received notifying him of the return. Amscot does not charge a convenience fee for any of these services.
Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter,please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareCustomer Answer
Date: 12/05/2022
Complaint: 18490510
I am rejecting this response because: Their information is inaccurate. I called the *************** location twice on October 7th. Once that morning to work out the payment plan, then again later that afternoon to let them know I could not make it to the location by 5. I was then told that I had until that Monday, which wouldve been the 10th to make my first payment. I went to the *************** location on October 8th and was told that I no longer qualified for the payment plan. On October 7th, had I been informed that I had until 9pm to make it to ANY Amscot location to make the payment, then payment would have been received on time seeing as I work 1 mile from an Amscot location and pass it on my way home everyday, and I would not have had to pay any extra fees to my bank or to Amscot. All of this was caused by direct negligence of Amscot employees to divulge the proper information and goes against the fair debt collection act. That is considered deceptive practices
Sincerely,
*********************************Business Response
Date: 12/06/2022
December 6, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************************* (********************). We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
******************** applied for a cash advance on September 27, 2022, and executed a Cash Advance Application and Cash Advance Agreement (collectively Agreement) in exchange for the funds requested. The Agreement signed by ******************** sets forth all the terms and conditions of the Cash Advance, including but not limited to, fees associated with returned payments, as well as the requirements of a Grace ******* which are presented in large legible font for the convenience of our customers.
Under ******* law, and as conspicuously outlined in the Agreement, the Grace ****** may only be elected in-person. As ******************** states in his correspondence,he was unable to go to an Amscot branch in-person on or before October 7, 2022,the due date, to elect the Grace ******.
Amscot nevertheless worked with ******************** to reach a resolution. Amscot offered to change his due date by extending it to October 31, 2022, which ******************** accepted. When ******************** did not redeem his check on October 31, 2022, Amscot deposited it in accordance with the terms of the **************** ******** returned the check due to insufficient funds.
Following the return, Amscot again worked with ******************* by setting up a repayment arrangement allowing him to repay the $248.00 over four (4) payments. As of the date of this letter, no payment has been received under the agreed-upon arrangement.
Under Chapter 560, ******* Statutes, and as stated in the Agreement signed by ********************, consumers may not enter into more than one deferred presentment transaction at a time. To that end, ******* law requires that each deferred presentment transaction be registered with the **************** at the time of the transaction. The transaction may only be removed from the states database when the consumer completes repayment.
Amscot offers several convenient ways for ******************** to repay his ***************** can pay in cash at any Amscot branch, by debit card over the phone, or online by using the reference number provided in the letter he would have received notifying him of the return. Amscot does not charge a convenience fee for any of these services.
Amscot attempted to contact ******************** directly to discuss this matter but has been unable to make contact. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and *************Customer Answer
Date: 12/08/2022
Complaint: 18490510
I am rejecting this response because: As stated before, this could have all been avoided if the employees of Amscot would have given me the proper information. One, I did not have to specifically go to the Amscot location in *************** to make the payment arrangement. Had I been informed that I could go to ANY AMSCOT LOCATION to make the payment plan, I wouldve went to the one on ***********, considering I have to pass it going to and from work EVERY DAY! I couldve taken my hour long lunch break, driven up the street, made the payment plan and first payment on the 7th had I been informed that I could make the payment arrangement at ANY AMSCOT LOCATION. Second, I was told by an AMSCOT EMPLOYEE that I had until the 10th to come in and make the payment when I told them I could not make it to the *************** location by 5pm. This is obviously not true, but this is what I was told on October 7th. This goes against the fair debt collection practices. Had I been properly informed on October 7th that I had until 5pm to make it to ANY AMSCOT LOCATION to make the payment arrangement, I would have and could have easily done so on October 7th. I was not given this information until I called in December. I had to pay negative fees on my bank account, as well as extra fees to Amscot because their employees failed to do their job properly. Im not understanding how Amscot, or anybody else, views this as fair to me. I should not have to pay these extra fees, I should wholeheartedly be reimbursed for the negative balance on my bank account, and the employees of the *************** location should be reprimanded for their negligence
Sincerely,
*********************************Initial Complaint
Date:11/18/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On September 1 2022 I visited store 214 in ********** ******* to make my final payment. I am in possession of the receipt which shows $0 remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money - Amscot refuses to do so. I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.Is*** The loan was paid in full. I've been harassed over the phone from local agents who do not understand **** laws and refuse my do not call requests - I've asked to be contacted in writing about the debt and to be shown a ledger that would prove I do in fact owe. If this is not resolved promptly I will be the one contacting you in small claims to collect on your violations of the **** violation fines, which are $500 per call. I've everything documented. I have attached proof of the debt paid in full. I will file small claims and retain an attorney for **** damages as this has gotten out of hand and to the point I have to file a complaint through this portal. To be succinct, if I owe the debt, your store clerk stole my cash - and if this is not cleared up I will be even more keen to *** for **** violations - I've received over 35 calls after asking them to stop. I'm entitled to $500 per unwanted phone call, and will go out of my way to seek legal counsel if I continue to receive the run-around. I have everything documented.Business Response
Date: 11/18/2022
November 18, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; ***********************************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of *************************************** (************************).We thank you for bringing this matter to our attention. Upon careful review of this matter, however, there does not appear to have been any error on Amscots part.
************************ applied for an installment cash advance on February 28, 2022 and executed an Installment Cash Advance Application and Installment Cash Advance Agreement (collectively Agreement) in exchange for the funds requested. ************************ had six payments due under the Agreement as follows:
Pmt # Ck no Due date Amount Due Paid Date Other Notes
1 ***** 3/18/2022 $155.62 3/17/2022 Paid in full
2 ***** 4/1/2022 $155.62 3/31/2022 Paid in full
3 ***** 4/15/2022
Deferred to 6/10/2022 $155.62 Unpaid Returned and unpaid
4 ***** 4/29/2022 $155.62 5/4/2022 Returned. Paid in full
5 ***** 5/13/2022 $155.62 5/18/2022 Returned. Paid in full
6 ***** 5/27/2022 $155.62 8/11/2022
And
9/1/2022 Returned. Paid in full over 2 payments: $25 on 8/11/22 and $130.62 on 9/1/2022
************************ made payments one, two, four, and five either before, or shortly after, their respective due dates. ************************ requested and received a deferral for payment number three. Payment number six and deferred payment number three both returned. As such, at the end of the term, ************************ had two payments outstanding, for a total of $311.24.
On August 11,2022, ************************ made a payment of $25. This reduced his balance due to $286.24. On August 30, 2022, Amscot submitted the check for payment three in the amount of $155.62 for redeposit. When ************************ came to the Amscot branch on 9/1/2022, the remaining balance appeared to be $130.62 as this amount assumed the redeposited check for payment three would clear. Regrettably, the bank subsequently dishonored the check for payment three. Accordingly, a balance of $155.62 remains on this installment cash advance.
Amscot sincerely apologizes to ************************ for his negative experience and for any confusion. Amscot is committed to customers and takes consumer feedback seriously. To that end, Amscot has noted that *********************** no longer wishes to receive phone calls. We invite ************************ to contact us at ************ at his convenience if he has any further questions or if he wishes to discuss repayment of the remaining balance. We hope this adequately addresses the inquiry and resolves the complaint.
Sincerely,
Amscot ********************************************************* ***** of Directors and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareInitial Complaint
Date:11/03/2022
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Amscot asks intrusive questions when you just want to buy a money order.First you have to show a drivers license to get a ********************** order.They asked me,"Are you working?"I said, "No."They then asked, "If you are not working, Where did you get the funds to buy this money order?I told them, "I pulled it out of my mattress."They then asked, "What are you using this money order for?"I told her, "I was going to wipe my a** with it." It's none of your business.She was not going to give me the money order or my money back, so i gave her some bullsh1t answers and got out of there.I called HQ about their polices about these intrusive questions and the guy on the phone kept repeating, "We are a financial institution" and would not tell me why I was being asked these intrusive questions just to buy a money order.I told him that ********* ANY BANK never asked me such intrusive questions when cashing a check or making a withdraw or deposit. and the banks are financial institutions"Do not use AMSCOT for anything. I think they are the Stasi for the ********* IRS and NSA.My advice is go to 7Eleven. They don't even ask for ID and you can get a hotdog while you are there.Business Response
Date: 11/08/2022
See attached document
Amscot is in receipt of the consumer feedback of ***************************** (******************). We thank you for bringing this matter to our attention. Federal law requires Amscot and other financial institutions to obtain, verify, and record information that identifies those individuals who conduct certain tractions, such as wire transfers. Accordingly, Amscot requires customers to show valid government-issued photo ID and to provide their name, address, date of birth, a social security number, information regarding their occupation, as well as other relevant information, such as the transaction details. This government-mandated practice is prominently displayed in the lobby of each Amscot branch. The same information, along with Amscots privacy policy, is also available on Amscots website. Amscot apologizes to ****************** for his negative experience. Amscot is committed to its customers and takes consumer feedback seriously. Amscot reached out to ****************** directly to address his concerns. ****************** indicated that he appreciated the call and was happy with the outcome. Amscot values customer feedback and appreciates having had the opportunity to respond. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Customer Answer
Date: 11/09/2022
Complaint: 18351861
I am rejecting this response because:First of all, this was not a "Wire transfer", I was buying a money order.
NO financial institution has ever asked me, "Are you working at the moment?"
NO financial institution has ever asked me "If you are not working, Where did you get the funds for this money order?"
I NEVER cashed a check, or made a withdraw at a bank and was asked, "What are you planning to do with this money?"
I NEVER made a deposit at a bank and was asked, "Where did you get this money for the deposit?"
It's none of your business.
If you believe the transaction was unlawful for some reason, report it to the "un-named" government agency on your wall. When they come asking the same questions, I will have lawyer ready to answer them.
I have nothing to worry about.
I pay my taxes. I don't steal, I don't sell drugs, I don't run guns or support terrorists.
I will never use your services again and I will discourage everyone I know from using your services also.
Sincerely,
*****************************Business Response
Date: 11/11/2022
November 11, 2022
Re: *****************************
To Whom It May Concern:
Amscot is in receipt of the consumer feedback of ***************************** (******************). We thank you for bringing this matter to our attention. Amscot has reached out to ****************** to address his concerns directly.
Amscot values customer feedback and appreciates having had the opportunity to respond. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and *************Initial Complaint
Date:10/19/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am a company that paid an employee with a company ck, the employee went and cashed the ck. Amscot keeps telling me they have the ck and it's no good. but I have a copy of a cancel ck from the bank showing its cleared. I ask for a fax or email to send it to them but they keep treating legal action if i have a cleared ck how is this my responsibilityBusiness Response
Date: 10/19/2022
October 19, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
On October 10, 2022, ************ issued a business check payable to an employee in the amount of $911.05. The same day, the employee came to Amscot to cash the check. Amscot took the check in good faith, for value, and without notice that the check would be dishonored. Amscot cashed the check for ************** employee and deposited the check for payment. ******** dishonored the check due to a duplicate presentment. Amscot subsequently learned that the employee attempted a mobile deposit before bringing the original check to be cashed.
Amscot holds the original check and is a holder in due course under Fla. Stat. ********. A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business. ******* law does not make an exception for checks returned due to duplicate presentment. A licensed ******* attorney can advise ************ of the legal remedies available to him under the circumstances.
Nevertheless, as a courtesy to ************, Amscot has made a note to stop contacting ************ as to this check. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and *************Customer Answer
Date: 10/20/2022
Complaint: 18241505
I am rejecting this response because: Amscot told me that this was an error by **** of ******** I was to contact them of which I did they said that Amscot has no right to collect and **** of America does to reverse money on this type of case and advise me that I was not responsible. And stated that it was an attempt to intimidate me to deal with their problem. Ags I did nothing wrong and it there business to cash ck how I am responsible for this when the money was taken out of my account so I have nothing wrong. I am not a collection agency for there company I did not send my employee to cash the ck. If you think this is fair business practice I ****** it fraud on them trying to force me to collect for them.
Sincerely,
*********************Business Response
Date: 10/21/2022
October 20, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; *********************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ********************* (************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
As previously stated, Amscot holds the original check and is a holder in due course under Fla. Stat. 673.3021. A holder in due course is a legally protected status that entitles the holder of a check to payment. Specifically, Fla. Stat.673.4141 entitles a holder in due course to obtain payment on a returned check from the party who wrote the check, in this case, ************** business. Liability under this provision is not based on fault. Additionally, ******* law does not make an exception for checks returned due to duplicate presentment.
The Check Clearing for the 21st Century Act (Check 21) is a federal law applicable to banks. Check 21 contains provisions that allow parties like ************ to work with their bank to recover the funds that were deposited through the mobile application. Accordingly, when the check in question returned, ************ was referred to his bank in an effort to help him as the provisions of Check 21 do not negate or eliminate Amscots position as a holder in due course or the check issuers liability under ******* law. A ******* licensed attorney can properly advise ************ of the recourse he has under the circumstances.
Finally, as Amscot is not affiliated with ************** bank, Amscot has no control over what the bank representative told ************ or whether the bank representative had the requisite knowledge or authority to speak on the subject. Amscot again recommends that ************ contact a licensed ******* attorney who can properly answer his questions.
Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot Legal Department
cc: ***** of ********* and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareInitial Complaint
Date:10/10/2022
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was told I only owe $185.00. I ask three times what did I owe he kept telling me it was paid I only owe $185.00. I receive no phone calls before October 1, 2022 as I normally do They stated the corporate office told them not to make phone calls and they were closed October 1, 2022 so how was I supposed to pay my balance or normally they send me an email to pay online. Now they saying if I had came in October 3 before a certain time there would not been any problems. I called the corporate file a complaint she said the Amscot branch I owe was closed October 1, 2022. They have no empathy with the Hurricane *** no grace ****** or anything. They just dont care . I have receipt signed by the employee saying it was paid in full.Business Response
Date: 10/11/2022
October 11, 2022
Via Web Form
Better Business Bureau
Re: Case Number ********; ***************************
To Whom It May Concern:
Amscot is in receipt of the consumer complaint of ******************************* (****************). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscots part.
**************** applied for an installment cash advance on August 12, 2022, and executed an Installment Cash Advance Application and Installment Cash Advance Agreement (collectively Agreement) in exchange for the funds requested. **************** had three payments due under the Agreement, which outlines each of them in detail.
**************** redeemed the check for her first installment by paying in cash at a branch. Ms. ******* second payment was due on October 1, 2022. Pursuant to the terms of the Agreement, Amscot deposited Ms. ******* check for payment of the second installment on October 3, 2022, as Amscot had not received a cash payment.
On October 4,2022, **************** came to an Amscot branch and made a payment in cash. This payment was applied to the third and final installment payment under her Agreement. It should be noted that this constituted an early repayment of the installment cash advance, which reduced her final payment amount by $32.51.
Unfortunately,following her payment on October 4, 2022, the bank returned the check that would have been applied to her second payment due to a closed account. Accordingly, as of the date of this letter,**************** continues to owe $217.98. Amscot has waived the return fee of $25.00.
We invite *************** to contact us to discuss repayment of the returned payment. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the complaint. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************.
Sincerely,
Amscot ********************************************************* ***** of Directors and General Counsel/Chief Compliance Officer
***************************, Director of *************** and Customer CareInitial Complaint
Date:08/06/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On April 26th I went to the Amscot at *************** in Lakeland Fl to apply for a payday advance. When she asked me for a pay stub I first told her I didn't have one but I could show her my online banking and direct deposits of my paychecks every pay day. She told me she would need a paystub. I went outside and emailed the payroll department at my job and asked her if I was able to get a copy of my pay stubs. She told me I could make an account on ADPs website and print one from there and she would also send me the last 3 that I had received. I signed on ADPS website, made an account and printed two of my most recent stubs. I brought them back inside and I noticed the female assisting me was making a phone call. She then hung up the phone and told me she couldnt approve me for the pay advance. I asked why and she said that they would need more information from me. I said well what more would you need I said I'm giving you two pay stubs I showed you my online banking with all my direct deposits from my job and also show the email between the payroll department and myself asking for the pay stubs. I also showed her the pay stubs that were emailed to me from my payroll department. So then I asked to speak to a manager. So another female walks up to me and starts questioning me about my job. She was making accusations that the amount of hours I worked and the pay I made weren't adding up. I told her I was on salary pay. she was so nasty to me and I was so humiliated because it was quite obvious she was accusing me of having a altered pay stub. Everyone was staring at what she was saying to me. I said please I really need this money to get back to Vero Beach so I could go to work. That's when She started saying things about my home address was in Lakeland but my job was in Vero Beach. When I asked what other proof would she need she couldn't give me an example. I left there so mortified. And never found out why I wasn't approved.Business Response
Date: 08/24/2022
Business Response /* (1000, 5, 2022/08/10) */ August 10, 2022 Via Web Form Better Business Bureau Re: Case Number ********; ******** ******* To Whom It May Concern: Amscot is in receipt of the consumer feedback from ******** ******* ("Ms. *******"). We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Amscot's part. On April 26, 2022, Ms. ******* came to Amscot and applied for a cash advance. To be considered for a cash advance, a customer must be at least 18 years of age, complete the required application, have a contact phone number where they can be reached, possess a valid government-issued photo ID, and have an open and active checking account. As part of the application process, they need to provide account information, and show proof of income. Having this information is merely what Amscot needs to begin evaluating a customer for the cash advance service; it does not guarantee approval. Ms. ******* supplied the documentation Amscot needed to complete its review. Regrettably, the information was insufficient to verify her income. While Ms. ******* was still in the branch, she received a letter notifying her of the denial and that it was due to unverifiable income. As Ms. ******* indicates in her message, she also received a verbal explanation from the Amscot Associate who assisted her. Amscot has reached out to Ms. ******* to discuss this matter but has been unable to make contact. Amscot is happy to review any updated documentation Ms. ******* may have. Amscot values customer feedback and appreciates having had the opportunity to respond. We hope this adequately addresses your inquiry and resolves the concern. Should there be any further questions or concerns regarding this matter, please do not hesitate to reach out to ************. Sincerely, Amscot Legal Department cc: Board of Directors and General Counsel/Chief Compliance Officer Charity W., Director of Human Resources and Customer Care
Amscot Corporation is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.