Business Profile

Financial Services

Advance Financial

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

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

Customer Complaints Summary

121 total complaints in the last 3 years.
45 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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

Initial Complaint
Date:11/29/2024
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 took out a loan with this company to help with a car repair. Once I realized that I was going to be unable to make the first payment I immediately reached to find a solution to no avail. Due to the fees associated with the loan Ive fallen severely behind despite my many attempts to reach some form of settlement. Ive spoken to multiple representatives and no one has been able to help and they all give conflicting information.
Business Response
Date: 12/09/2024
Advance Financial 24/7 is in receipt of the complaint filed by the customer with the Better
Business Bureau.
Advance Financial is an authorized servicer of the lender, CC Flow, a division of Capital
************** (******). ****** is a Utah state-chartered bank with the **** as its
primary federal banking regulator. CC Flows line of credit product is an open-end credit
product, which means that repayment of the total balance on the account will fluctuate based on
a customers individual use. As an open-end credit product, this is not a fixed term loan;
traditional interest does not accrue, and scheduled payment amounts will vary depending on the
amount of principal outstanding on the account during a given billing cycle.
Given the nature of the consumers allegations, please be advised privacy regulations prohibit us
from disclosing confidential consumer information to 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 her concerns.
Nevertheless, it is our usual practice to reach out to the consumer at issue in an effort to resolve
BBB concerns. Accordingly, this matter will be forwarded to the appropriate representative for
review and resolution.
We appreciate this matter being brought to our attention. Advance Financial invests heavily in
maintaining consumer relations and considers consumer satisfaction a high priority.
Customer Answer
Date: 12/09/2024

Complaint: 22619515

I am rejecting this response because:
As of today since the filing of the complaint, I have yet to hear back from a representative to resolve this matter. One individual contacted me to notify me that they received my phone request and to date they have not followed back up with me regarding my account. It appears this company is intentionally not making contact to further report damaging information to the credit bureaus despite every effort made on my part to remedy this issue.

Sincerely,

Leteya *****
Business Response
Date: 12/13/2024
The Company has attempted to contact Ms. ***** on three occassions - 12/10/24 @ 1031am, 12/10/24 @ 116pm and 12/11/24 @507pm with no avail. Ms. ***** can contact our office at ************
Customer Answer
Date: 12/13/2024
I just wanted to offer a follow up to this complaint. As of today, December 13, 2024, I have been passed around from representative to representative in search of *** ***** who instructed the representatives to transfer the call to her should I call in. The handling of this account and the lack of support in reaching a resolution is profoundly disappointing. This experience has been frustrating and unacceptable, especially considering the standards of services one would expect from the company. Failure to address this issue timely has left me with damages that will be difficult to repair in the future.
Initial Complaint
Date:11/29/2024
Type:Service or Repair Issues
Status:
UnresolvedMore 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 just bought a house. When my lender pulled my credit, there was a collection for over 6k on my credit by "Plaza services" original creditor "Advance Financial". I have not applied for any type in years. I tried calling them to ask why this was, Plaza hung up on me. I don't really know what kind of loan it is, I think it's a payday loan. I'm 100% disabled veteran and recently found out my information was listed on the dark Internet multiple times. I filed a *** report as well, this is horrifying a company claims I have a loan with them without verifying it was me. It indicated it was opened in December of 2023. I receive full disability from the ** and work full time with a combined income over 170k, my bills total less than 2k monthly. Explain why I would need this? There's also a second "payday" loan handled by Plaza who also hung up on me. This "advanced financial" needs to get their act together and check the dark Internet, maybe see a person before saying they have a loan. This ONLY showed on my reports when I applied for the mortgage. I am in the process of filing a lawsuit now against Plaza and Advanced financial. I'm addition, I have a "verify identity" before extending credit by telephone on every credit report.
Business Response
Date: 12/06/2024
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.
Customer Answer
Date: 12/09/2024

Complaint: 22617522

I submitted a *** complaint. If you have my information then you would have been able to discuss it with the better business bureau!
When I called to find out Why you reported that I borrowed money from you, you hung up on me. I'm not sure why you would do it to 100% disabled veteran, But you need to delete the account or have someone that's not going to hang up on me provide me a phone number.

Sincerely,

******* ******
Business Response
Date: 12/13/2024
Please contact our office at ************ to further discuss details of the account and to address your concerns.
Customer Answer
Date: 12/26/2024
I replied i was not satisfied with their response. I called them the times to let them know someone stole my identity and took out "payday" loans. Every time, I was met with yelling and disparaging remarks. I am a 100% disabled veteran who will not sacrifice my integrity by responding in kind. Somehow, I feel as if someone at that business maybe responsible. I called about 1 from Feb 2022 a few months ago, mysteriously another payday loan was taken out on September 2024, immediately after I called about the first one.
Initial Complaint
Date:11/28/2024
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.
Last week, I contacted Advance Financial because I was having issues keeping up with their outrageous payments. I reached out via email and they advised that I needed to instead call them - which I get, because most of the sensitive information they'd need isn't very secure on an email...however, because of my work hours, I am almost never available when their phone call center is open. I communicated this to them, and was still told I needed to call. Nevertheless, I deprived myself of much needed sleep to be able to call them - made several attempts over 2 days at both the ***** left on the voicemail AND the number on their website. When I call either #, I get a prompt that says "Please hold while we look up your phone number" - then, for about 3 to 5 minutes I'm on hold, then someone picks up and immediately hangs up the call. What's more, is I specifically did not enroll my account in their "Convenience Pay" feature because I like making my payments by debit card. Imagine my surprise when somehow they managed to autodebit my account anyway for the $393.41 that they were told wouldn't be in my account. I attempted 5x to contact them again yesterday to the same result as stated above - as I have been unable to reach them by phone like I was instructed to do, I have since initiated a dispute thru my bank for the last payment of $393.41 and had them issue a stop payment to keep them from debiting my account further until a settlement or arrangement or something is made and alternate payment arrangements go with it. I don't know why I ever thought having this LOC was a good idea - it seems nice up front when you need it, but then when you attempt to pay it back it's a nightmare because of the exorbitant fees they charge. Soon as I get this settled I'll never mess with these types of LOCs again.
Business Response
Date: 12/06/2024
Advance Financial 24/7 has received is in receipt of the complaint filed by the consumer with the Better Business Bureau.
Advance Financial is an authorized servicer of the lender, CC Flow, a division of ********************** (CCBank). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator. CC Flows line of credit product is an open-end credit product, which means that repayment of the total balance on the account will fluctuate based on a customers individual use. As an open-end credit product, this is not a fixed term loan; traditional interest does not accrue, and scheduled payment amounts will vary depending on the amount of principal outstanding on the account during a given billing cycle.
Given the nature of the consumer complaint, please be advised that privacy regulations prohibit the Company 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. We encourage the consumer to contact us at ************** to further discuss his concerns.
Initial Complaint
Date:11/20/2024
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.
Company has no way of communivating other than phone calling, i cant call.I am being charged over $100 in fees for some odd reason when i havent missed a payment. I need this up coming payment pushed back a week because i can't afford my upcoming payment
Business Response
Date: 11/26/2024
The Company is in receipt of this complaint and has reviewed the account. The first payment due for $24.19 was for a two day billing cycle in order to get the payments set up on payday. The net billing cycle was for 14 (fourteen) days,thus the payment increased. Please read the terms and conditions of the Agreement. There are many other ways to communicate with our staff aside from calling. After reviewing the account, I see that emails have been received however, correct personal verification was not completed on your behalf. For your protection, certain details must be verifed before providing account information. Due to this lack of verification, the payment that was due on 11/22/24 was drafted.
Initial Complaint
Date:11/15/2024
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: 11/22/2024
We are in receipt of this complaint and have worked with Bounce to ratify the same details that were provided with Ms. ******* sent a complaint to Bounce. Please see the attached agreement also provided from Bounce. Please feel free to contact ***************, *************************************************, *****************, ************ to make payment arrangements.
Initial Complaint
Date:10/31/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In February of 2024, I filed a complaint about Advance Financial / af247 about it being a predatory loan and gave some detail. This company then reached out to me and offered me an agreement for me to pay $351.23 a month for 9 months and they would then close the account as long as i came back onto BBB and updated the review to 'them helping me out'. I advised that i would do so once the 9 payments were made to make sure they held up their end of the bargain. Yesterday i made the final payment. I was never late, not once. This morning I woke up to them take 2 additional amounts out of my checking account. $351.23+$537.41+$383.27=$1271.91 was taken out of my account instead of just $351.23. I immediately called them and the *** said that she could see the error and would email the person that could fix it and ask for it to be escalated to be fixed immediately. I asked if i could talk to the person she was emailing and she declined and snapped at me and said "I'm doing all i can do!". 2 hours later and the money is still not in my account and my mortgage is at risk of being returned. I am telling anyone that can read this and is considering using this place to NEVER use it. They are absolutely predatory! they will not hold up their end of any bargain they make and when i asked if they would refund my fees incurred by their mistake they said no. I know using a loan company like this that says yes when you are in need is an answer to a prayer in that moment but i'm telling you that you will regret it. do not under any circumstances use this company for a loan. BBB, please help me get my money back.
Business Response
Date: 10/31/2024
The Company has confirmed that the debit card processor refunded the payments on 10/31/24 at 854am. The customer's bank should reflect this no later than the following business day. The Company has also confirmed that the Line of Credit is being closed given that the final settlement payment was received.
Customer Answer
Date: 11/06/2024

Complaint: 22496586

I am rejecting this response because: AF247 did not refund the money on 10/31, they actually voided the payment on their end and it took it until 11/5 and a complaint to my bank for the funds release on my end. This caused a domino effect of overdrafts and fees that AF247 refused to pay even though it was their error. They did finally clear the online account showing my account gone but not until 11/6. I no longer want anything from this company. Ill just consider it a painful and expensive ****** learned.

Sincerely,

***** *** ******
Business Response
Date: 11/07/2024
The Company is in receipt of this complaint and confirmed that refunds were issued on 10/31/2024 in the amounts of $537.41 & ******. The remaining balance has been waived and the line of credit is closed
Initial Complaint
Date:10/25/2024
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 trying to pay on my cash advance loan for some time and it is just been impossible with 240% apr rates. My balance is now at ***** dollars over my principal rate. I feel like I am being robbed.
Business Response
Date: 10/29/2024
The Company has reviewed this account and found that Ms. ******* has made many withdrawals from the Flexible Line of Credit, oftentimes, only paying the minimum payment due. There has been no payment made on this account since 9/27/2024 and the account remains past due. Ms. ******* can pay above the minimum payment due at any time and anything additional will be applied to the outstanding principal.
Initial Complaint
Date:10/23/2024
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.
Advance financial 24/7 approved me for a line of credit of 610 on sept 27 2024 my payment is due Oct 25 2024 for the first payment of 114 but already it said I owe 805 total instead of what I borrowed 610
Business Response
Date: 10/24/2024
The Company is in receipt of this complaint. Please review the Revolving Loan Disclosure and Account Agreement agreed upon.
Initial Complaint
Date:10/18/2024
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.
I have been paying a loan off with this business. The daily interest I incur is $.77 per $100.00 this is what I was told by them. Now that is at *****%. However the total amount of interest is not paid off every month because I am charged a customary fee. Every month. Out of a $753.35 $83.23 was put towards principal $57.44 went to interest the customary fee was $612.68. Now on my loan every month they put a portion towards principal and a portion towards interest. So my interest continues to rise every month without being paid off. Then they charge the customary fee every month. This practice cant be legal. I was told its a finance charge every month. That every person that gets alone through them is charged this fee. So far I have paid $6038.58 in fees to advance financial. And only been charged ****** of interest. Make that make sense.
Business Response
Date: 10/24/2024
Please review the Flex Loan Plan Disclosure and Account Agreement. In order to pay this Line of Credit off faster, pincipal reduction payments can be made.
Initial Complaint
Date:10/18/2024
Type:Order Issues
Status:
UnresolvedMore 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 loan from Advance Financial Services and never signed a contract or received a copy of the contract. I am receiving cancer treatment and could not afford the payments they wanted me to make, so I called them and tried to make arrangements to get this paid off. I have been paying every month and they would take out whenever, whatever they wanted after I had already made a payment. I believe the amount of interest they are charging is not legal in the state of *******. I have tried several times calling and emailing trying to get some sort of payment arrangement set up and have the interest charges stopped. I don't believe this company should be in business as they are just loan sharks.
Customer Answer
Date: 10/29/2024
Please try to obtain a signed contract from them for me. I have asked several times for a copy and they say they are sending but I have not received a thing.
Business Response
Date: 10/29/2024
Advance Financial 24/7 is in receipt of the complaint filed by the customer with the **********************. Advance Financial is an authorized servicer of the lender, CC Flow, a division of ********************** (CCBank). ****** is a Utah state-chartered bank with the **** as its primary federal banking regulator.
Given the nature of the consumers allegations, please be advised privacy regulations prohibit us from disclosing confidential consumer information to third parties without a specific, written authorization,and we unable to respond directly to BBB regarding her concerns.
Nevertheless, it is our usual practice to reach out to the consumer at issue in an effort to resolve BBB concerns. This matter was forwarded to the appropriate Company representative for review and resolution. At this time, we have been in contact with the consumer, and we have confirmed that his issue has been resolved to her satisfaction.
We appreciate this matter being brought to our attention. Advance Financial invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority.
Customer Answer
Date: 10/30/2024

Complaint: 22440398

I am rejecting this response because: no one has reached out to me regarding this situation as they state. I am not satisfied with any resolution they say we agreed upon. I may have to obtain an attorney if they cannot come up with some sort of agreement and quit lying to me and other consumers. I have asked for a copy of the contract, and they keep telling me they will send to me, and I have as yet to receive anything. What kind of business is this? You cannot legally charge people the rate of interest you are charging them. I'm sure you have other cases against you for illegal actions. I will be waiting for a fair and legal response from you.

Sincerely,

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

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.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Advance Financial is NOT a BBB Accredited Business.