Hearth Shop, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

RE: Complaint ID *** Dear Ms***, Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the complaint filed by *** *** and we are sympathetic regarding her experience. Upon receipt, we performed a diligent search of our records
and we have determined we are not responsible for the conduct in the complaint. Ms*** states she and her family are receiving threatening phone callsAdvance America’s operating subsidiaries do not show any open or closed accounts in the name of *** *** with the corresponding addressFuthermore, Advance America,nor it’s operating subsidiaries, do not transact businesss with consumers residing in the Commonwealth of PennsylvaniaIt does not operate brick and mortar locations there, nor does it allow Pennslyvania residents to enter into online transactions. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance AmericaAdvance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms.*** continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Incunder any applicable laws, statutes or procedures. Sincerely, Heather W*** Heather W*** Compliance Specialist

I have attached a signed and written document regarding the complaint(Revdex.com.pdf)

October 14, 2016 Ms*** *** Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-2164 RE: Complaint ID *** Dear Ms***: Advance America, Cash Advance Centers of California, LLC(“Advance America”) is in receipt of
the complaint filed by *** *** ***, and we are sympathetic regarding her experienceUpon receipt, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaint. Ms*** states that after applying for a short-term loan, she was contacted by an individual who claimed to represent Advance AmericaThe caller requested a copy of Ms***’s identification as well as a voided check, which included her bank account number with routing numberMs*** never received any loan proceedsUpon a return call, Ms*** was instructed to complete a MoneyGram transfer for $She refused this directiveSince that time, monies have been withdrawn from Ms***’s account. Neither Advance America, nor any of its affiliated companies, request that consumers pay a fee in advance of receiving a loanAccording to our records, Advance America does not have a customer or an applicant with the name and address providedAdvance America does not have a record of withdrawing funds from Ms***’s financial institution. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance AmericaAdvance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms*** continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of California, LLCunder any applicable laws, statutes or procedures. Respectfully, *** *** Liz W*** Compliance Specialist

Dear MsK***: Advance America, Cash Advance Centers of Florida, LLC d/b/a/ Advance America (“Advance America”) is in receipt of the complaint filed by L*** W*** and we are sympathetic regarding his experienceUpon receipt, we performed a diligent search of our records and we have determined
we are not responsible for the conduct in the complaintMrW*** states he was selling his truck and was contacted on August 19, 2017, about the vehicle he is sellingHe received a check by mail in the amount of $13,from Advance America for the purchase of the truckMrW*** has not deposited the check as of the date of this letterAdvance America does not purchase vehicles nor does it loan consumers money to buy a vehicle or lien the title of a vehicle already ownedAdditionally, the telephone number listed in the complaint, (720) 623-6537, is not associated with Advance AmericaAdvance America records do not show a customer with the same name and address provided by MrW***This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance AmericaAdvance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agenciesWe recommend that MrW*** continue to document all details of any such calls and letters in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcementThis letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Florida, LLC under any applicable laws, statutes or proceduresSincerely, T*** * F* *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10621046, 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.] The original contract with the 15% date's back from January until MarchThey sent you the contract from April and even then they did not tell me the the contract was changed from 15% to 17% Could they send the Revdex.com the contract from January until march
Regards,
Nickie Lewis

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
L*** A***

RE: Complaint ID *** Dear Ms***, Advance America, Cash Advance Centers Inc(Advance America”) is in receipt of the complaint filed by *** *** and we are sympathetic regarding his experience. Upon receipt, we performed a diligent search of our records and we
have determined we are not responsible for the conduct in the complaint. Mr*** states he was directed to send various amounts of monies in order to receive a loan. Advance America’s operating subsidiaries do not request consumers pay a fee in advance of receiving a loan. Advance America’s operating subsidiaries do not show any open or closed accounts in the name of *** *** with the corresponding addressFurthermore, Advance America’s operating subsidiaries do not transact business with customers residing in New YorkIt does not offer online transactions nor does it operate brick and mortar locations in the State of New York. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies We recommend that Mr*** continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Incunder any applicable laws, statutes or procedures Sincerely, *** *** *** *** Compliance Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

RE: Complaint ID# *** To Whom it May Concern: Advance America, Cash Advance
Centers of Florida, LLC d/b/a Advance America (“Advance America”) is in receipt of the complaint filed by *** *** and we are sympathetic regarding her experienceUpon receipt of her complaint, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaintUnfortunately, Advance America has encountered complaints of this nature in the past. Ms*** states that she applied for a loan online and was directed to open an online bank account and then purchase iTune cards to send money in order to receive a loanAdvance America does not request that consumers pay a fee in advance of receiving a loan. According to our records, Advance America does not have a customer or applicant with the same name and address. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance AmericaAdvance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms*** continue to document all details of any such communications in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Florida, LLC under any applicable laws, statutes or procedures. Sincerely, Holly N*** Holly N*** Compliance Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***These accusations made by this business and their employees are totally ,, I was
not escorted out of this establishment by the police ,, I personally took my sister outside and waited for the police The fact of the matter is that this manager of said establishment falsely accused me of using my sister to get money this was a total accusation I have never pretended to be my sister , my sister is unstable on her feet and needs assistance She always went in their and took a seat and I handed her the papers to sign ,, never once did I sign ,I translated to her what they were saying ,, I have went to dr appointments with her and the doctor always verbally asked her " do I have permission to discuss things with your sister " and there had not been a problem ,, I have been to the bank and other places and as long as she gave verbal ok there was not a problem ,, and Llike I stated before ,, there was a lady in there the same day paying a loan and the girl stated are you also paying mr so and so loan alsoNever once did she ask them for power of attorney And I have been going in there for a whole year with my sister and never once encountered a problem until this day when this manager was there and made this accusation This complaint is about them denying a handicapped person the right to have assistance and making a allegations ,, was Advance America going to take responsibility if my sister lost her balance and fell in their establishment because they denied this assistance ,, they have eluded the whole complaint that they made allegations ..But from my understanding they don't want me or my sister back in the store , so we will not return

RE: L[redacted] – Case number: ID [redacted] ACSO of Texas, L.P. d/b/a Kickstand Lending (“Kickstand Lending”) is in receipt of the complaint filed by L[redacted] and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of our...

records and appreciate the opportunity to respond. In her first complaint, Ms. A[redacted] claimed she never received a loan from Kickstand Lending and further demanded the account be cleared and any negative reporting removed from her credit report. On January 8, 2017, Kickstand Lending received the appropriate correspondence which consisted of the identity theft report, police report and affidavit confirming she was a victim of identity theft. Unfortunately, our records indicate the appropriate loan status was not assigned in the point of sale system at that time. Due to an administrative error, a settlement offer was sent on February 22, 2017 and the account was sold subsequently to Debt Management Partners LLC on October 20, 2017. In her most recent complaint, Ms. A[redacted] claims her family is being harassed by different entities of Advance America, specifically Liberty. She states Liberty threatened to send the issue to [redacted] County Courts and the account details were provided to her son. Kickstand Lending has now taken steps to correct this situation. Ms. A[redacted] is not liable for the debt. Kickstand Lending has purchased her account from Debt Management Partners, LLC. Advance America has purchased her account from Debt Management Partners. All consumer reporting agencies Kickstand Lending utilized in the credit decision and transactional reporting have been contacted and told to remove the inquiries and trade line from Ms. A[redacted]’s consumer report. Kickstand Lending strives to offer excellent customer satisfaction and we regret when a customer is dissatisfied with their experience with our company. We apologize for any inconvenience this administrative error has caused Ms. A[redacted]. We hope that this response resolves the complaint to your and Ms. A[redacted]’s satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to ACSO of Texas, L.P. under any applicable laws, statutes or procedures. Sincerely, M[redacted] Sr. Compliance Analyst – Online Lending

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
L[redacted]

RE: Complaint ID [redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of...

our records and we have determined we are not responsible for the conduct in the complaint. Unfortunately, Advance America has encountered complaints of this nature in the past. Ms. [redacted] states that she was told that due to a low credit score, she was required to send $525.00 on a card in order to receive the loan. Advance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loan. According to our records, Advance America’s subsidiaries do not have a customer with the same name and address. Further, neither Advance America, nor any of its operating subsidiaries, transact business with consumers residing in New Jersey. Advance America does not operate brick and mortar locations in New Jersey, nor does it offer online loans to New Jersey residents. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such communications in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

RE: Complaint ID #[redacted] Dear Ms. [redacted], Advance America, Cash Advance Centers of [redacted], Inc. d/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experience. Upon receipt, we performed a diligent...

search of our records and we find that there is not enough identifying information given by the complainant to ascertain if he is, or has been, a customer of Advance America. However, we are not responsible for the conduct in the complaint. Mr. [redacted] states he was directed to send various amounts of monies in order to receive a loan. Advance America does not request consumers pay a fee in advance of receiving a loan. Advance America does not show any open or closed accounts in the name of [redacted] with the corresponding address. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Mr. [redacted] continue to document all details of any such calls in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Missouri, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

August 5,...

2016                                      ...⇄                                           ...⇄ Ms. [redacted]                                   ...⇄ Via Secure Email Revdex.com of Upstate South Carolina 408 North Church Street, Suite C                                       �...⇄ Greenville, SC 29601-2164             RE:  Complaint ID 11593128   Dear Ms. [redacted],   Advance America, Cash Advance Centers, Inc d/b/a (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding her experience.  Upon receipt, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaint.    Ms. [redacted] states she was directed to send money back to the company after having the company deposited in her account.  Advance America’s operating subsidiaries do not transact business in this manner.  Advance America does not show any open or closed accounts in the name of [redacted] with the corresponding address.  Advance America is not affiliated with the website [redacted].com. Furthermore, Advance America, nor any of its operating subsidiaries, currently transact business with consumers residing in the State of Maryland. Advance America does not operate brick and mortar locations there, nor does it offer online loans to Maryland residents.   This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America.  Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies.   We recommend that Ms. [redacted] continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement.   This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures.   Sincerely, [redacted] Compliance Specialist

Dear Ms. [redacted]: Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of our records and we have...

determined we are not responsible for the conduct in the complaint. Ms. [redacted] states she applied for a loan and was directed to send various amounts of monies in order to receive a loan. Advance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loan. According to our records, none of Advance America’s operating subsidiaries have a customer named [redacted] matching the address in the complaint. Further, none of Advance America’s operating subsidiaries transact business with consumers residing in Pennsylvania. Advance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residents. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such communications in the future, that she not disclose any personal information, and, if appropriate, report this matter to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

Dear Ms. [redacted]: Advance America, Cash Advance Centers of California, LLC (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of our records and...

we have determined we are not responsible for the conduct in the complaint. Ms. [redacted] states she received an email threating an arrest warrant if she did not pay an outstanding amount of $779.61. The email identifies the lender as Cash Advance Inc. According to our records, Advance America, Cash Advance Centers of California, LLC does not have a customer named [redacted] matching the address in the complaint. In addition, Advance America is not affiliated with: “Cash Advance Inc.” This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such communications in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of California, LLC under any applicable laws, statutes or procedures. Sincerely, [redacted] 
[redacted] Compliance Specialist

May , 2015Via UPS Delivery Ms[redacted] Revdex.com of Upstate South Carolina 408...

North Church Street, Suite C Greenville, SC 29601-2164RE: Complaint ID [redacted]Dear Ms. [redacted],[redacted] of Michigan, Inc. dba Advance America (Advance America) is in receipt of the complaint filed by [redacted], and we are sympathetic regarding his experience. Upon receipt of his complaint, we performed a diligent search of our records, and we have determined we are not responsible for the conduct in the complaint.Mr. [redacted] states he was directed to send various amounts of money in order to receive a loan. Advance America does not request that consumers pay a fee in advance of receiving a loan. According to our records, Advance America does not have a customer by the name of [redacted] with the address provided.This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies.We recommend that Mr. [redacted] continue to document all details of any such communications in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement.This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to [redacted] of Michigan, Inc. under any applicable laws, statutes or procedures.Sincerely,[redacted] Compliance Specialist

Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experience. Upon receipt of his complaint, we performed a diligent search of our records and we have determined we are not...

responsible for the conduct in the complaint. Mr. [redacted] states he is receiving harassing collection calls from “cash advance america.” According to our records, none of Advance America’s operating subsidiaries have a customer named [redacted] matching the address in the complaint. Further, none of Advance America’s operating subsidiaries transact business with consumers residing in Pennsylvania. Advance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residents. Advance America is not affiliated with a company by the name of “Cash Advance America.” This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Mr. [redacted] continue to document all details of any such communications in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures. Sincerely, 
[redacted] Compliance Specialist