Complaints

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

close

Find a Location

Advance Financial has 124 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Advance Financial

  100 Oceanside Dr Nashville, TN 37204

• 

  Advance Financial

  3401 Rossville Blvd Chattanooga, TN 37407-1927

• 

  Advance Financial

  3516 Dayton Blvd Chattanooga, TN 37415-4629

• 

  Advance Financial

  1104 East Stone Dr Kingsport, TN 37660

• 

  Advance Financial

  369 West Elk Ave Elizabethton, TN 37643

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

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recieved two letters from advanced financial saying that I had taken out a loan of $1,200 on 1925. I never took out a loan recieved this money or have ever heard of this company before in my life. I called the companh and confirmed that they had the account in my name with the outstanding balance of *******. I told them that this wasn't me and they said I should call back in ***** hours

  Business Response

  Date: 02/14/2025

  The Company has reviewed this account and removed the debt.  This has not been reported to Ms. ******** credit.  

• Initial Complaint

  Date:02/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I obtained a loan and provided my account number for reoccurring *********** first payment came out of the account and was applied to my loan. My second payment was not deducted. I went online to pay and I received an error message. I called several times but could not get through. I sent an email, but again, no response. I finally received a call and was advised that I was due over $500! I went online again to pay, now it shows due, over $700! I have enormous fees and I just want to pay my bill. Each day the system rejects my payment, I'm accessed more and more fees! This is a scam!

  Business Response

  Date: 02/11/2025

  Dear Ms. *********************************** (Advance Financial) has received your complaint filed with
  the Better Business Bureau (BBB). We take all complaints seriously and would like to help
  you with resolving this matter.
  According to our records, you obtained a line of credit with a credit limit of $2,500 from
  ** Flow December 14, 2024. ******* is a division of ********************** (******), a
  **********-chartered bank with the ************************************* as its primary federal
  banking regulator. Advance Financial is an authorized servicer for ** Flow lines of credit.
  Please note that the ** Flow line of credit is an open-end credit product. As an open-end
  credit product, this is not a fixed term loan, and the terms for repayment of the total balance on
  the account will fluctuate based on a customers individual use. This line of credit does not
  accrue traditional interest; instead, customers are charged a set Billing Cycle Charge that varies
  depending on the amount of principal outstanding on the account during a given two week
  billing cycle, as disclosed in your Line of Credit Agreement.
  Additionally, please be advised, as a Utah state-charted bank and Member FDIC,
  ****** is governed by both federal banking laws and the laws of the State of ****. Under Utah
  law, there is no maximum rate or charge established for loans, and the parties to a consumer
  credit agreement may agree for payment of any finance charge and other charges and fees.
  Additionally, pursuant to 12 U.S.C. 1831d, ****** has the authority to export Utahs
  permissible interest rates. Accordingly, as ****** may rely on the interest rate authority of Utah
  and export this rate into other states, there are no limitations imposed on the charges associated
  with a ** Flow Line of credit.
  Upon receipt of your complaint, we performed a complete investigation of your account,
  and our findings are set forth below.
  On December 14, 2024 you made an initial withdrawal of the entire credit limit of
  $2,500. On January 3, 2025, you made your first required minimum payment due under the
  agreement in the amount of $129.96. Your second required minimum payment due on the
  account was in the amount of $253.25 with a due date of January 17, 2025. According to our
  records, on January 17, 2025, a debit card payment attempt was processed and declined twice.
  Consequently, in accordance with your electronically signed Voluntary Consent To

  Electronic Funds Transfers (EFT Authorization), a third payment attempt was
  initiated by ACH on January 21, 2025 and a provisional payment was posted to your account.
  However, this payment returned for insufficient funds on January 28, 2025, the provisional
  payment was reversed off your account, and your account became past due.
  Copies of your Line of Credit Agreement and your EFT Authorization are enclosed for
  your records.
  We received a telephone call from you on January 29, 2025 at which time you advised us
  that you did not have funds in your account for the January 17, 2025 payment because your
  financial institution, ***********, did not deposit your direct deposit in a timely manner. On that
  call, we advised you that $253.25 was past due from January 17, 2025, and an additional $248.19
  
  would be due on January 31, 2025. In response, you indicated that you were unable to pay that
  at the time but promised to pay as much as you could on January 31, 2025. No payment was
  received on January 31, 2025, and the account became past due by two payments (i.e., the
  $253.25 was past due from January 17, 2025, and the $248.19 due January 31, 2025).
  On February 6, 2025, the return ACH of $253.25 was resubmitted to your financial
  institution. Presuming that payment clears, you would currently have a past due balance of
  $248.19 (the missed payment on January 31, 2024), and will have the next minimum payment
  due of $263.19 on February 14, 2025.
  Our investigation confirmed that we received a call from your phone number on January
  18, 2025 and January 21, 2025, and the calls were terminated by you after a three minute and
  two minute hold. Unfortunately, our hold time varies, and we are sorry we did not meet your
  expectations on those calls.
  In response to your claim that the system has rejected your payments, we have confirmed
  that two payments failed on the online portal. Specifically, we received a Do Not Honor
  message from your financial institution, meaning that your bank declined the transactions. We
  are unable to conclude whether these failures are related to the issue you had with your bank
  regarding your direct deposit capability, and we recommend contacting your financial institution
  directly.
  Finally, to the extent you are dissatisfied with your outstanding balance, we would like to
  remind you that ** Flow customers who want to save money are encouraged to pay early, pay
  often, and pay more than the minimum amount due. By paying more than the minimum, you can
  reduce the total cost of borrowing over time. In addition, you may pay off your ** Flow account
  at any time, as ** Flow does not charge prepayment or early payoff penalties. The ** Flow line
  of credit is designed to provide customers who have little or poor credit histories an opportunity
  to solve short-term financial needs with credit reporting. This product provides customers the
  opportunity to establish or build their credit with the goal of transitioning to more mainstream
  financial products.
  In closing, we trust this information is responsive to your complaint. As always, if you
  have additional questions, she may reach us by phone at **************.

• Initial Complaint

  Date:01/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been making bi-weekly payments for many months on a flex loan where you can borrow back as needed. My complaint is this company never puts any money toward the principal of the loan even though I am paying over $600 per month on a $2500 dollar loan. The amount owed has remained the same or continues to get higher. I believe this is what is called a predatory loan and I want it fixed asap!

  Business Response

  Date: 01/25/2025

  The Company has reviewed this account and while Mr. ******* entered into the Revolving Loan Disclosure and Account Agreement and there have been many draws on the account over the history of the account the Company is willing to discuss future payment arrangements.  Please contact our office at ************.

• Initial Complaint

  Date:01/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ******************************* ACCT #: ********* ***. $7,397.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 12/13/2024

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance.
  Call ************ or email *************************************

  Business Response

  Date: 01/07/2025

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance. Call ************ or email *************************************

  Business Response

  Date: 01/25/2025

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance. Call ************ or email *************************************

• Initial Complaint

  Date:12/28/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have attempted contacting Advance Financial about updating my banking information on my account. However, every time I attempt to call the numbers given to me, I am put on hold and then disconnected right before I can speak to an agent. I have attempted emailing **************** and been told to....just try calling again, despite my attempts to tell them I cannot even reach an agent over the phone. I just want to update my banking information on my account, I shouldn't have to go through this for so simple a request.

  Business Response

  Date: 01/07/2025

  The Company is in receipt of this complaint and has reviewed the account.  If calling does not work well for you please feel free to visit one of our retail locations.  Or you can reach us at ************ to make this update.  

• Initial Complaint

  Date:12/19/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been on the receiving end of someone having my information and continually attempting to open credit in my name. Whoever has my information keeps applying to this company for credit, even though I have spoken to them on several occasions about what is going on with my credit. They took my name out of their system and told me they would flag my account and not let this continue to happen. It's now happening every day and this company keeps letting people put in for loans with my information even though I have continually called them and told them I will NEVER need their services. All I ask from them is that if credit is applied for in my name, to just kick it out and this does not happen. One of these days these people are going to have a loan go through in my name. All I am asking is for them not to accept a credit request in my name and they won't do it. The emails come daily and I'm tired of it.

  Business Response

  Date: 12/23/2024

  The Company is in receipt of this complaint and have removed the email address and contact informaton on this profile along with blocking it for Identity Verification.  

• Initial Complaint

  Date:12/19/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Took out a loan in desperation and I am being gouged by their fees. I **** borrowed close to $1000 and paid slight over that amount however I still owe another $1000. I have no issue repaying what I borrowed from you plus some interest. However right now my minimum monthly payments are like $300 and when I pay that almost none of it goes to principal , it all goes to interest!!! I will not have this loan paid off for like 20 years. I am asking that you guys work with me on a reasonable repayment plan, I literally cannot afford to pay you $300 per month without my balance decreasing. Your actions are extremely predatory. I have already contacted your company with these concerns and was told that nothing could be done. Therefore to not ask me contact you again unless you are able to tell me something other than it is what it is.

  Business Response

  Date: 12/30/2024

  Advance Financial 24/7 has received is in receipt of the complaint filed by the consumer with the
  Better Business Bureau.
  Given the nature of the consumer complaint, please be advised that privacy regulations prohibit
  us from disclosing confidential consumer information third parties without a specific, written
  authorization. We do not have a signed authorization from the consumer who filed this
  complaint and therefore are unable to respond directly to BBB regarding certain concerns.
  Please note that it is our usual practice to reach out to the consumer at issue in an effort to
  resolve BBB concerns. Accordingly, this matter was forwarded to the appropriate representative
  for review and resolution.
  Advance Financial invests heavily in maintaining consumer relations and considers consumer
  satisfaction a high priority.

• Initial Complaint

  Date:12/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ******************************* ACCT #: ************ ***. $4,812.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 12/17/2024

  We are in receipt of this complaint and have worked with Bounce to ratify and the details provided by Ms. ******* have been provided to Bounce.  Please see the attached agreement also provided from Bounce. Please feel free to contact ***************, *************************************************, *****************, ************ to make payment arrangements.
  
  

• Initial Complaint

  Date:12/06/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a line of credit. They are to withdraw a payment Bi-weekly. A payment was withdrawn on 11/29/24. However, without notifying me, they withdrew another payment on 12/6:24 in between paydays. This has caused an overdraft on my account. I have attempted to reach them by phone multiple times. It will say you have a wait time of 5 minutes and when the 5 minutes is up the call will disconnect. Every single time.

  Business Response

  Date: 12/23/2024

  The Company is in receipt of this complaint and have reviewed the account.  The account is currently enrolled in convenience pay, withdrawing payments on your due date.  If you'd like to unenroll please do so on the online customer portal.  This account is, currently, 108 days past due.  Please contact our ******************** at ************ to discuss getting the account current.

• Initial Complaint

  Date:11/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I unfortunately needed a loan to help pay bills due to financial hardship. I paid all my payments on time so far, especially because it was automatic taken out of my account. I decided to do a debit consolidation and put a stop payment on Advanced Financial. They then changed their name to Advance Financia and took it out. I put another stop payment and AGAIN they changed their name to Advance Ficia AutoPay. Im going to have to do another stop payment!! How is it legal?? I signed the loan to Advanced Financial, not those other names. I also sent them an email declining any further arch payments to be taken out and informed them that the ***** consolidation company will be contacting them in the coming week. This company is ridiculous!!!

  Business Response

  Date: 12/05/2024

  The Company is in receipt of this complaint and have reviewed the account.  We have confirmed the most recent ACH draft attempt was on 11/27/2024 and returned by the customer's bank on 12/4/2024 due to stop payment.  Oftentimes, prior to returning the payment back to a company, the bank will attempt to process multiple times.  This is a bank procedure and has nothing to do with Advance Financial.  Ms. ****** contacted our office on 12/2/2024, via email, requesting to ***********  This was submitted on behalf of the customer.  There have been no additional ACH drafts.  All future payments will need to be made by the customer as the Company has not been contacted by a debt consolidation company on behalf of *****************  

  Customer Answer

  Date: 12/06/2024

   
  Complaint: 22622138
  
  I am rejecting this response because:
  This was not multiple attempts by the bank. I spoke to them. The multiple attempts were made buy the company and they kept changing their name. The bank was even surprised by this. 
  Sincerely,
  
  **** ******

  Business Response

  Date: 12/13/2024

  An EFT revoke has been processed on this account.  All future payments will need to be made manually by Ms. *******