Hearth Shop, Inc.

RE: Complaint ID [redacted] Dear Ms. [redacted], Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] 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 is receiving collection emails for a payday loan she never received. According to our records, Advance America’s operating subsidiaries do not have a customer with the same name and corresponding address. Advance America’s operating subsidiaries do not transact business with consumers residing in Arizona. Advance America does not operate brick and mortar locations in Arizona, nor does it offer online loans to Arizona residents. Further, Advance America is not affiliated with a company by the name of Advance Cash USA. 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 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: Case ID No. [redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers of Louisiana, LLC (“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 that companies by the names “[redacted] Services” and “[redacted] Systems” are filing a fraudulent claim against his credit report. According to our records, Advance America, Cash Advance Centers of Louisiana, LLC does not have a customer named [redacted] matching the address in the complaint. Further, Advance America is not owned by, or affiliated with, [redacted] Services. 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 of Louisiana, LLC under any applicable laws, statutes or procedures. Sincerely, Heather G[redacted] Heather G[redacted] Compliance Specialist

(The consumer indicated he/she DID NOT accept the response from the business.)
The Hearth Shop states that we called them out to service 2 fireplaces, but that is not true, we only have 1 electronic fireplace. Our other...

fireplace is in perfect running order and does not require any type of service because it is not a gas fireplace. They must have us mistaken with another complaint. My main complaint is that they dropped the ball on ordering the part, they never kept in contact with us about the part and they even admitted to us they failed to order the part twice. If the service charge is $50.00 and we were charged $100, they owe us $50.00. But I would like the full amount refunded because they lied to us each time we called. Also had they told us that we needed to pay for the part upon ordering it, we would have gladly done so. The reason we told them to cancel the part was mainly due to the fact that it took them several weeks and numerous calls to get any answers. They were never concerned about ordering the part or repairing our fireplace. We never expected them to do anything for free and i'm shocked that they feel we expected that.I know they have been in business for many years that's the reason we called them, but unfortunately they must have hired some employees that do not care about their reputation. I still would like my $100 service charge refunded, and if they are willing to do that, we will not take any further action, otherwise I will make it my personal mission to let everyone know about their poor business practices. Also i'd like to point out that The Hearth Shop has several bad reviews online, they are all the same complaint...poor customer service, had I seen these reviews I would not have called them.

RE: Complaint ID # [redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers of Kentucky, Inc. d/b/a Advance America (“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 applied for a loan, was approved for $7,000 and then was directed to send money on an iTunes card 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 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 of Kentucky, Inc. under any applicable laws, statutes or procedures. Sincerely, Heather W[redacted] Compliance Specialist

I spoke to the gentleman about his issues and they have been taken care of at his house.

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 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 in his complaint that he received a threatening email but he has never conducted business with Advance America. Advance America does not show any open or closed accounts in the name of [redacted] with the corresponding address. Further, Advance America complies with all applicable federal and California laws when attempting to collect a debt. Advance America does not threaten customers. 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, and, if appropriate, report such communication 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, and LLC under any applicable laws, statutes or procedures. Sincerely, [redacted] 
[redacted] Compliance Specialist

RE: Complaint ID [redacted] Dear Ms. [redacted], Advance America, Cash Advance Centers of Virginia, Inc. d/b/a Advance America (“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 sent a company $500.00 in order to receive a loan, which the company never funded. Advance America does not request consumers to pay a fee in advance of receiving a loan. Advance America does not show any open or closed accounts in the name of [redacted]. 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 of Virginia, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

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,
[redacted]

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. Unfortunately, Advance America has encountered complaints of this nature in the past. Mr. [redacted] states that he applied for a loan online with Cash Advance of America and was approved for a loan in the amount of $2,150.00, if he first sent $150.00 to the company. 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. Additionally, Advance America is not affiliated with Cash Advance of America. Further, neither Advance America, nor any of its operating subsidiaries, transact business with consumers residing in Georgia. Advance America does not operate brick and mortar locations in Georgia, nor does it offer online loans to Georgia 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 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

RE: [redacted]; Case ID #[redacted], Second ResponseDear Ms. [redacted]:[redacted] of Texas, L.P. d/b/a Advance America (“Advance America”) is in receipt of the response to the original complaint filed by [redacted]. We have further investigated the matter and appreciate the additional opportunity to respond.Ms. [redacted] states that the initial response to her complaint did not resolve her complaint and requested copies of her agreements dated January through March, because these loans were made in the prior CSO fee percentage rate. All agreements require the same percentage of the loan to be paid during a refinance. The enclosures show the 15% on page one, third paragraph. We do not disagree that the loans established prior to April 13, 2015 were established with different rates; however, when a loan is refinanced, the customer is entering into a new agreement with the Lender and, separately, Advance America to assist in requesting a refinance from the Lender to pay in full a pervious loan. The rate and terms may be different from previous agreements.Additionally, as explained in the initial response, the overall percentage of payment at refinance was not changed and was documented in the Credit Services Organization Disclosure Statement.Ms. [redacted] refinanced on May 15, 2015 the loan she originated on April 13, 2015 and has a current open account with the Lender.Advance America strives to offer excellent customer satisfaction, and we regret when a customer is dissatisfied with his experience with our company. Advance America apologizes for any inconvenience this matter has caused and hopes this resolves Ms. [redacted]' rate calculation question.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 Texas, LP under any applicable laws, statutes or procedures.Sincerely,

RE: [redacted] Case ID #[redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers of Mississippi, LLC d/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted]. We appreciate the opportunity to respond. In his complaint,...

Mr. [redacted] states he went to the location in [redacted], MS to pay off his loan and asked to enter into another transaction. He states that he should have been allowed to receive another loan, but that no one would tell him why he couldn’t enter into a new transaction. Mr. [redacted] did pay a transaction in full on May 1, 2017. At that time, he requested to enter into another transaction, for which he was denied. Mr. [redacted] received a Notice of Denial from the team member and was upset that the team members would not be able to process his requested transaction. After additional research, it was discovered that Mr. [redacted] has open transactions with affiliates of Advance America. 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 Mississippi, LLC under any applicable laws, statutes or procedures. Sincerely, Holly N[redacted] Holly N[redacted] Compliance Specialist

Advance America, Cash Advance Centers of Florida, LLC (“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 appreciate...

the opportunity to respond. According to our records, Mr. [redacted] entered into a Customer Agreement (“Agreement”) with Advance America on October 12, 2015. Pursuant to this Agreement, he agreed to repay $555.00 on or before October 23, 2015. When he failed to repay any of this amount, his personal check #[redacted] in the amount of $555.00 was sent to his financial institution for presentment on October 30, 2015 and subsequently cleared his financial institution. As of the date of this letter, Mr. [redacted] does not have an outstanding balance with Advance America. Advance America has not had any contact with Mr. [redacted]. Further, Advance America is unaware of any lien against Mr. [redacted]. If Mr. [redacted] would like to explain the situation to a supervisor, we encourage him to contact the Advance America customer comment line at ([redacted] and his call will be routed to a local supervisor. 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, [redacted] Compliance Specialist

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,
[redacted]

This company is operating from Austin, Texas and other statesi have no idea where else they are operating from internationallybecause they perpetrators sound foreign with a [redacted] accent or [redacted] accent

Dear Ms. [redacted], Advance America, Cash Advance Centers of Florida, LLC d/b/a Advance America (“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 was told to put a specific amount of money on an iTunes card 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 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 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 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. Regards, [redacted] [redacted] [redacted] [redacted] Compliance Specialist

RE: Complaint ID [redacted] 
Dear Ms. [redacted], Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] 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 was treated rudely after providing her information in order to obtain a loan. According to our records, Advance America’s operating subsidiaries do not have a customer with the same name and address. Further, none of Advance America’s operating subsidiaries transact business with consumers residing in North Carolina. Advance America does not operate brick and mortar locations in North Carolina, nor does it offer online loans to North Carolina 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 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] 
[redacted] Compliance Specialist

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...

subsidiary records and we have determined we are not responsible for the conduct in the complaint. Ms. [redacted] states she received a phone call from a gentleman by the name of John from Advance America. John said her loan application had been approved for up to $10,000 and asked if she would like to proceed. Advance America’s operating subsidiaries do not show any open or closed accounts in the name of [redacted] or [redacted]. The telephone number provided in the complaint, ([redacted], is not associated with Advance America. Additionally, Advance America’s operating subsidiaries do not transact business with consumers residing in Minnesota. Advance America does not operate brick and mortar locations in Minnesota nor does it offer online loans to Minnesota 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 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, Lanika M[redacted] Lanika M[redacted] Compliance Specialist

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,
[redacted]

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,
[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] [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 various amounts of monies in order to receive a loan.  Advance America’s operating subsidaries 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 [redacted] [redacted] with the corresponding address. Futhermore, Advance America does not transact businesss with consumers residing in the Commonwealth of Pennsylvania. It 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 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]   [redacted] Compliance Specialist