ComplaintsforAdvance America

• Initial Complaint

  09/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I applied for a loan. I was only asking for $1500, they said I couldn't get less than $2000. They sent me a promissory note that required no signature, odd. Then they said I could choose the date I wanted to start making my first installment, also odd. Marcus B**** who sounded like he was from the ****** ****, told me I had to prove to them I had at least 2 installments in my account. He kept getting rude and impatient with me. Then he asked me for my account info, which I had given to another person. I told him it didn't sound right. I change my mind and I don't want the loan. He called me back. He said f*** you. Then he called me back a few more times and left a message saying "f*** you, you MF moron. You stupid b*****. I will get you for trying to scam me you MF moron". He has a copy of my license so I am a little nervous. The phone is ************ *** **** I have attached a screenshot from my email with the person's contact information.

  

  Business response

  09/13/2024

  September 13, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ******* *** ****** * ********* *** ********
  
  Dear Cindy:
  
  Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ******* *** ******. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ******* *** ****** contends they requested a loan, was sent the agreement; however, did not need to have a signature. ******* contends they were requested to prove their bank account contained two (2) of the installment payments. ******* contends they changed their mind and was met with negative feedback from the other caller. ******* states, “Then he called me back a few more times and left a message saying ‘f*** you, you MF moron. You stupid b****”. ****** provided the phone number which called, ************** and documentation from “Cash Advance America” with their complaint.
  
  Be advised, neither the loan nor the communications described above originated from Advance America. Advance America would never operate under the conditions described above. Additionally, Advance America would never threaten a customer. Advance America does not own or operate the phone number ****** ********* nor is it affiliated with the business name “Cash Advance America.” Lastly, Advance America does not operate brick-and-mortar storefront locations in the state of North Carolina, nor does it offer online services to residents of North Carolina.
  
  We recommend ******* visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here:. It is imperative that ******* exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

  Customer response

  09/16/2024

  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. 

  Thank you so much. I wondered why the would call me from Texas. Also, I have the voicemail they left me cursing me out. 

  
  Regards,
  
  ******* *** ****** 

• Initial Complaint

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received notification via email and text of a success loan application with advance America on September 3, 2024. I have tried with no avail to contact the company to make them aware of this fraud. It is almost impossible to get them on the phone. I was even on hold for an hour and attempted to contact them through chat. My credit is locked and I have monitoring on my personal information how did this happen

  

  Business response

  09/12/2024

  September 12, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:       ******** *********** * ********* *** ********
  Dear Cindy:
  
  Advance America, Cash Advance Centers of Missouri, Inc. (“Advance America”), is in receipt of a complaint filed by ******** ***********. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ******** *********** contends they received notification that a loan application had been attempted without their knowledge. ******** further states they attempted to contact Advance America; however, was on hold for a significant amount of time.
  
  Upon receipt of ********’s complaint referencing potential identity theft, an investigation was conducted. The loan was immediately voided and ******** does not owe a balance to Advance America. We apologize for the inconvenience this has caused ******** and should they have further questions or concerns, they may contact our Customer Care Team at ***** ******** or email me directly at **************************************
  We recommend ******** visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here:  . It is imperative that ******** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Advance America, Cash Advance Centers of Missouri, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Filed a complaint against this firm before. Asked them to never contact my home again. Not interested in doing business with them. They are still sending me mail. These folks are asking for trouble. They need to take my name and address out of their computers and leave me the **** alone.

  

  Business response

  09/12/2024

  September 12, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ****** ***** ***** * ********* *** ********
  Dear Cindy:
  
  ACSO of Texas, L.P. d/b/a Advance America (“Advance America”), is in receipt of a complaint filed by ****** ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ****** ***** ***** contends that they are continuing to receive marketing from Advance America after requesting for all marketing attempts to cease.
  
  We apologize and we understand ****** is upset they continue to receive marketing material. Unfortunately, ******** information was not removed timely, resulting in them continuing to receive letters. We have reviewed the complaint with our internal teams to ensure these types of requests are being handled timely. We have requested ****** no longer receives any marketing material and to be removed from all marketing lists. Please understand the removal process may take up to thirty (30) days to become effective. If ****** receives any further marketing after thirty (30) days, they may contact me directly at *********************** or *************************************. 
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded ACSO of Texas, L.P. d/b/a Advance America, under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

  Customer response

  09/13/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint at this time.

  They have promised me before that they were stopping junk mail to my home, and it kept coming.  Now, they are making the same promise again AND claiming that I have to endure 30 more days of junk mail.  NO.  That is unacceptable.  If I came to your door or phoned your home over and over, and you told me to stop and leave you alone, but I persisted ANYWAY and told you that you had to endure it for 30 more days, what would you do?  I wager. you would file a police report for harassment, and police would tell me to stop contacting you or face arrest.  Why in **** do these companies think anyone should have to endure their junk mail for 30, 60, or 90 more days as some of them claim.  NO, THAT IS UNACCEPTABLE.

  ****** ***** *****

  

  Business response

  09/25/2024

  September 25, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ****** ***** ***** * ********* *** ********
  
  Dear Cindy:
  
  ACSO of Texas, L.P. d/b/a Advance America (“Advance America”), is in receipt of a complaint filed by ****** ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  We acknowledge ****** ***** *****'s dissatisfaction with our previous response. We apologize for the delay in removing their information, which resulted in continued marketing communications. We've reviewed this internally to improve our process. As stated in our September 12, 2024, response, ******** request to be removed from all marketing lists has been submitted, which may take up to thirty (30) days to take effect. If marketing materials are received after this period, ****** can contact *********************** or ************************************** Also, if marketing materials are received, ****** may contact ************* to opt out in the meantime.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded ACSO of Texas, L.P. d/b/a Advance America, under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

  Customer response

  09/25/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint until the junk mail is stopped. 
  
  I will believe it once I see it, or fail to see it as the case may be.  It is outrageous that anyone should be told they "MUST" put up with contact for a month or however long AFTER they have said stop contacting me.  If a person did this sort of thing, police would charge them with harassment, and they could be arrested for it.

  Any company that says a person MUST put up with continued contact for X amount of days does not deserve to be in business.  Leave us alone!!!!!!

  ****** ***** *****

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company constantly leaves messages and calls asking for a person named “Rodney”. I have repeatedly stated I’m not this person. But told by a supervisor they would stop calling but they continue to contact me.

  

  Business response

  09/12/2024

  September 12, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:       ******** ****** * ********* *** *******
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of Ohio, Inc. (“Advance America”), is in receipt of a complaint filed by ******** ******* We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ******** ****** states, “This company constantly leaves messages and calls asking for a person named ‘Rodney’.” ******** states, “I have repeatedly stated I’m not this person” and “But told by a supervisor they would stop calling but they continue to contact me.”
  
  After a thorough review of our systems, we do not have any calls being made to the phone number provided by ********. If ******** has further questions or would like to provide more information, they may reach out to me directly at ************************************* or our Customer Care Team at ***** *********
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Advance America, Cash Advance Centers of Ohio, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had filled out payday loan requests online. I was then contacted by someone who was claiming to be Advance America on 8/28/2024. They said I was approved for a payday loan of $1500. They sent me an email with a supposed to be application where it asked the last 4 of my social and online banking info to verify. I filled it out and they sent me another email with the "loan agreement". I then talked to the "agent" on an actual phone call who told me I had to talk to his manager and he would be calling me. The manager named "Mike Bush" with phone number *** *** ****. He told me I had to complete a verification process where they would deposit a small amount then I send it back and then I would get the full $1500 deposited into my account. He wanted it via cash app but it wouldn't work so I purchased a gift card and sent it to him. I should have seen the signs that this wasn't normal. my bank was then charged another 499.00 and left me negative. I contacted the bank who said this was a scam. It is being investigated but I'm still negative. I tried contacting the number again but no answer.

  

  Business response

  09/09/2024

  September 9, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:       **** ******* * ********* *** ********
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of Ohio, Inc. (“Advance America”), is in receipt of a complaint filed by **** ******** We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, **** ******* contends they requested a loan online and was approached by “Priority Loan Servicing” who requested personal information. **** contends they were instructed they would be sent a small verification deposit and they would need to send it back via a gift card to receive the full loan amount.  **** attached the loan agreement from “Priority Loan Servicing” and texts with their complaint.
  
  According to our records, **** entered into a Customer Loan Agreement (“Agreement”) with Advance America on December 23, 2021. Pursuant to the Agreement, **** agreed to repay an amount of one thousand sixty-two dollars and forty-four cents ($1062.44) in eleven (11) bi-monthly installments of eighty-eight dollars and fifty-four cents ($88.54) and one (1) final installment of eighty-eight dollars and fifty cents ($88.50) due on June 3, 2022. **** made total payments of eight hundred eighty-five dollars and forty cents ($885.40) as agreed. After multiple unsuccessful attempts to contact **** and collect their past due balance, their loan was sold to **** **** ******* on December 18, 2022, with a balance of three hundred twenty-one dollars and nine cents ($321.09). We recommend **** reach out to **** **** ******* at ***** ******** to discuss mutually agreeable payment options.
  
  With regards to ****’s complaint, the communications and loan described above, did not originate from Advance America. These communications appear to be part of an effort to defraud consumers, like **** by falsely claiming to represent Advance America. Advance America does not operate under the conditions described in the above complaint, to deposit funds into a customer’s account only to request their immediate return. Advance America employees would never require or request a customer to purchase gift cards for business purposes.
  
  If **** believes that they have fallen victim to a potential scam, they may wish to visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here:  It is imperative that **** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Advance America, Cash Advance Centers of Ohio, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I got loan from Advance t in the amount of $700. I was wondering why my payments were not going down and has remained at $467 for 4 months and no money was being paid on the lt. It stayed at over $500 for months.I called and talked to a customer service.represenative., and was told the money was going to pay interest and not to loan. . I got him twas ilo,that O was going to file a complaint, he told me to go to ahead.I will never be able to get this paid off, because only a couple of dollars are being applied to the loan, and have been paying for months.

  

  Business response

  09/13/2024

  September 13, 2024
  
  Cindy ******
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  ***       ********* ***** - Complaint ID: 22219746
  
  Dear Cindy:
  
  Advance America, Cash Advance Centers of South Carolina, Inc. (“Advance America”), is in receipt of a complaint filed by ********* *****. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ********* ***** contends they got a loan; however, payments are not decreasing the principal balance as they expected. ********* contends they spoke with someone at Advance America who responded that the monthly payment was going to interest and not to the principal balance. ********* states, “I will never be able to get this paid off, because only a couple of dollars are being applied to the loan, and (sic) have been paying for months.”
  
  According to our records, ********* entered into a Consumer Line of Credit Agreement (“Agreement”) with the Advance America storefront located at **** **** ** Boiling Springs, SC, 29316 on June 14, 2023. ********* was approved to make draws of up to one thousand four hundred forty dollars ($1440). On June 14, 2023, ********* requested and received a draw of three hundred dollars ($300). Since requesting and receiving the loan, ********* has paid as agreed and has also continued to request and receive draws. As of today, September 13, 2024, ********* has a currently balance of three hundred eighty-nine dollars and sixty-seven dollars ($389.67).  
  
  Regarding *********** complaint about their monthly payment, we want to clarify that the Line of Credit Agreement was provided and thoroughly explained before ********* signed the Agreement. The Agreement clearly outlined how fees and the balance were calculated, as well as details about the minimum payment due. Additionally, on the call ********* is referring to, the agent mentioned the majority of the minimum payment is going towards interest. The monthly statement shows the breakdown for reference.
  
  In addition to the Agreement, ********* is supplied with a monthly statement that contains the minimum payment due along with how much of the minimum payment is credited to principal and interest.  Furthermore, the statement notifies ********* that if they only pay the minimum payment, the amount of interest owed over the life of the loan could increase as well as the time it takes to repay their balance. If ********* wants to reduce their monthly payment, they could consider paying more than the minimum amount due each month. If they have further questions, they may contact the branch where they originated their loan or contact the Customer Service Team at ***** ********* 
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Advance America, Cash Advance Centers of South Carolina, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst
  

• Initial Complaint

  08/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I tried applying for a loan but it seemed fishy they reached out via text then they want to deposit a large sum in my account and have me **** *** them it back. Felt like a scam as they also had me give my bank password

  

  Business response

  08/28/2024

  August 28, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ***** ******* * ********* *** ********
  Dear Cindy:
  
  Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ***** *******. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ***** ******* states, “I tried applying for a loan but it seemed fishy they reached out via text then they want to deposit a large sum in my account and have me **** *** them it back.” ***** further states, “Felt like a scam as they also had me give my bank password.”
  
  The communications and loan described above by *****, did not originate from Advance America. These communications appear to be part of an effort to defraud consumers, like ***** by falsely claiming to represent Advance America. Advance America does not operate brick-and-mortar storefront locations in the state of Utah, nor does it offer online services to residents of Utah. Advance America does not operate under the conditions described in the above complaint, to deposit funds into a customer’s account only to request their immediate return. Advance America employees would never require or request a customer to use ********” for business purposes.
  
  If ***** believes that they have fallen victim to a potential scam, they may wish to visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here:  It is imperative that ***** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  08/22/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This has been going on since May ! Needed a loan Dave S**** from cash advance contacted me and told me I was approved! Gave him the information and did what he told me to! He emptied my bank account of $540 and got my SS check $2241 ! I’ve told him to give me my money back for 2 weeks now! He’s blocked me! I received No loan either! I’ve get all correspondence pictures and names involved! I need meds and food! Please help me!#************ *** *

  

  Business response

  08/28/2024

  August 28, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ***** ***** * ********* *** ********
  
  Dear Cindy:
  
  Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ***** *****. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ***** ***** states, “Needed a loan Dave S**** from cash advance contacted me and told me I was approved!” ***** states, “Gave him the information and did what he told me to!” and “He emptied my bank account of $540 and got my SS check $2241!”
  
  The communications and loan described above by ****** did not originate from Advance America. These communications appear to be part of an effort to defraud consumers, like ***** by falsely claiming to represent Advance America. Advance America does not operate brick-and-mortar storefront locations in the state of Pennsylvania, nor does it offer online services to residents of Pennsylvania. Lastly, Advance America is not affiliated with the business name, “Cash Advance”.
  
  If ***** believes that they have fallen victim to a potential scam, they may wish to visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here: ********************* It is imperative that ***** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  08/22/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I was contacted by Jessica W******* who claimed to be a lender and said I was approved for a 5000 dollar loan. Then told me my bank was not accepted and to find somebody who has been with a bank for over 6 months. I had my Boss contact Jessica and she was asked to provide her mobile login and password. The phone number these people are using is ********** .

  

  Business response

  08/28/2024

  August 28, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:         ****** **** * ********* *** ********
  Dear Cindy:
  
  Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ****** ****. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ****** **** states, “I was contacted by ******* ******** who claimed to be a lender and said I was approved for a 5000 dollar loan.” ****** further states, “then told me my bank was not accepted and to find somebody who has been with a bank for over 6 months” and “I have my Boss contact Jessica and she was asked to provide her mobile login and password.” ****** provided a screenshot of the approval letter from “Advance America USA” and contact phone number, *************** 
  
  The communications and loan described above by ******, did not originate from Advance America. These communications appear to be part of an effort to defraud consumers, like ****** by falsely claiming to represent Advance America. Advance America does not operate brick-and-mortar storefront locations in the state of Oregon, nor does it offer online services to residents of Oregon. Lastly, Advance America does not own or operate the phone number, “************” nor are we affiliated with the business name, “Advance America USA”.
  
  If ****** believes that they have fallen victim to a potential scam, they may wish to visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here:. It is imperative that ****** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

• Initial Complaint

  08/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was contacted by this company on August 15, 2024 about an online loan for 2000 dollars. They deposited money to my ***** bank account for 500 dollars then asked me to send it back to show the validity of said account. I then sent it back. When doing so they deposited 1000 dollars into my ***** ***** account. Then the next morning they deposited 500 dollars to my ***** account. After speaking to other bankers I immediately withdrew the money from my ***** account. I closed that account this morning and changed the account number(checking). I closed my ***** ***** account yesterday and spoke to a ***** ***** banker and a ***** banker and they both agreed that it sounded like fraud. I spoke to ***** ***** fraud dept today and they also agreed that it sounded like fraud. The company in question sent me several text messages threatening me that they will send a form to my bank to close my account. After speaking to both banks I was told they cannot close my accounts and they would have to take me to court. The accounts manager sent a text about 1 hour ago saying if I don't pay him the 1000 dollars by today, my account will be closed by Monday. As stated earlier I talked to both banks and they said I am the only one who can open or close any accounts. Actually the text came in at 1042 am est his closing words were "am **** sure about it." I did tell him he would get the money in two installments but he declined. If the loan was for 2000 dollars and you already sent me 1500 dollars, why can't you send me 500 more and it will be 2000 and I would honor the original contract. There was no online loan agreement for me to sign so I can download it to a file on my phone. I am currently dealing with two other loan companies and they are trying to work with me. I don't understand why should I send them back the money when they already deposited the money in my account. I am willing to pay it back but it would take about 3 weeks.

  

  Business response

  08/27/2024

  August 27, 2024
  
  Cindy R*****
  Better Business Bureau
  *** ***** ****** ******* **** *
  Greenville, SC 29601
  
  RE:       ***** ******* * ********* *** ********
  
  Dear Cindy:
  
  Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc. (“Advance America”), is in receipt of a complaint filed by ***** *******. We have thoroughly reviewed and appreciate the opportunity to respond.
  
  In the complaint, ***** ******* asserts they were contacted regarding an online loan in the amount of $2000. ***** asserts $500 was deposited into their bank account and was instructed to send back. ***** asserts they were sent threatening and harassing text messages from the company stating the funds needed to be returned.
  
  The communications and loan described above by *****, did not originate from Advance America. These communications appear to be part of an effort to defraud consumers, like ***** by falsely claiming to represent Advance America. Advance America does not operate brick-and-mortar storefront locations in the state of New Jersey, nor does it offer online services to residents of New Jersey. Lastly, Advance America does not operate in the manner described by *****, to deposit funds into a customer’s account only to request their immediate return.
  
  If ***** believes that they have fallen victim to a potential scam, they may wish to visit the FBI reporting website for further guidance and assistance in reporting this incident. The link to this resource can be found here: . It is imperative that ***** exercise caution and diligence in dealing with any financial transactions, especially those that seem suspicious or unfamiliar.
  
  This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded Purpose Financial, Inc. f/k/a Advance America, Cash Advance Centers, Inc., under any applicable laws, statutes, or procedures.
  
  Sincerely,
  
  Ally P*****
  Senior Compliance Governance & Risk Analyst

  Customer response

  08/28/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
  
  Regards,
  
  ***** *******

*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. ↩