(The consumer indicated he/she DID NOT accept the response from the business.) The Hearth Shop states that we called them out to service fireplaces, but that is not true, we only have electronic fireplaceOur other fireplace is in perfect running order and does not require any type of service because it is not a gas fireplaceThey must have us mistaken with another complaintMy 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 twiceIf the service charge is $and we were charged $100, they owe us $But I would like the full amount refunded because they lied to us each time we calledAlso had they told us that we needed to pay for the part upon ordering it, we would have gladly done soThe 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 answersThey were never concerned about ordering the part or repairing our fireplaceWe 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 reputationi still would like my $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 practicesAlso 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
August 5, Ms [redacted] Via Secure Email Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601- RE: Complaint ID 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] .comFurthermore, Advance America, nor any of its operating subsidiaries, currently transact business with consumers residing in the State of MarylandAdvance 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, Incunder any applicable laws, statutes or procedures Sincerely, [redacted] Compliance Specialist
[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] W [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 Sincerely, [redacted]
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 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 complaintMs [redacted] states she was told to put a specific amount of money on an iTunes card in order to receive a loanAdvance America does not request that consumers pay a fee in advance of receiving a loanAccording to our records, Advance America does not have a customer with the same name and addressThis 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 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 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 proceduresRegards, [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 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 complaintMs [redacted] states she is receiving collection emails for a payday loan she never receivedAccording to our records, Advance America’s operating subsidiaries do not have a customer with the same name and corresponding addressAdvance America’s operating subsidiaries do not transact business with consumers residing in ArizonaAdvance America does not operate brick and mortar locations in Arizona, nor does it offer online loans to Arizona residentsFurther, Advance America is not affiliated with a company by the name of Advance Cash USAThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [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 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 pastMs [redacted] states that she was told that due to a low credit score, she was required to send $on a card in order to receive the loanAdvance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loanAccording to our records, Advance America’s subsidiaries do not have a customer with the same name and addressFurther, neither Advance America, nor any of its operating subsidiaries, transact business with consumers residing in New JerseyAdvance America does not operate brick and mortar locations in New Jersey, nor does it offer online loans to New Jersey residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] *** [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 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 complaintMs [redacted] states she applied for a loan and was directed to send various amounts of monies in order to receive a loanAdvance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loanAccording to our records, none of Advance America’s operating subsidiaries have a customer named [redacted] matching the address in the complaintFurther, none of Advance America’s operating subsidiaries transact business with consumers residing in PennsylvaniaAdvance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [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, 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] with the corresponding addressFuthermore, Advance America does 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 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, Incunder any applicable laws, statutes or procedures Sincerely, [redacted] [redacted] Compliance Specialist
May , 2015Via UPS Delivery Ms [redacted] Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-2164RE: Complaint ID [redacted] Dear Ms [redacted] , [redacted] of Michigan, Incdba Advance America (Advance America) is in receipt of the complaint filed by [redacted] , and we are sympathetic regarding his experienceUpon 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 loanAdvance America does not request that consumers pay a fee in advance of receiving a loanAccording 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 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 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, Incunder any applicable laws, statutes or procedures.Sincerely, [redacted] Compliance Specialist
RE: [redacted] ***; Case ID # [redacted] , Second ResponseDear Ms [redacted] : [redacted] of Texas, L.Pd/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 rateAll agreements require the same percentage of the loan to be paid during a refinanceThe enclosures show the 15% on page one, third paragraphWe do not disagree that the loans established prior to April 13, 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 loanThe 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, the loan she originated on April 13, 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 companyAdvance America apologizes for any inconvenience this matter has caused and hopes this resolves Ms***' 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,
Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experienceUpon 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 complaintMr [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 complaintFurther, none of Advance America’s operating subsidiaries transact business with consumers residing in PennsylvaniaAdvance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residentsAdvance 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 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] Compliance Specialist
Dear Ms [redacted] , Advance America, Cash Advance Centers of [redacted] , Incd/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted] 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 complaintMs [redacted] states she received a voicemail message from Advance America in regards to her loan application for $30,She states she called the number back questioning the “manager” on how her personal information was obtainedShe states that she has never applied for a loanThe “manager” would not provide her any informationAdvance America does not show any open or closed accounts in the name of [redacted] with the corresponding addressAdditionally, the telephone number listed in the complaint, ( [redacted] ext***, is not associated with any Advance America centerThis 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 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 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 [redacted] , Inc.under any applicable laws, statutes or proceduresSincerely, [redacted] [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 his experienceUpon 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 complaintMr [redacted] states in his complaint that he received a threatening email but he has never conducted business with Advance AmericaAdvance America does not show any open or closed accounts in the name of [redacted] with the corresponding addressFurther, Advance America complies with all applicable federal and California laws when attempting to collect a debtAdvance America does not threaten customersThis 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 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 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 California, and LLC under any applicable laws, statutes or proceduresSincerely, [redacted] [redacted] Compliance Specialist
RE: Complaint ID # [redacted] Dear Ms [redacted] , Advance America, Cash Advance Centers of [redacted] , Incd/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experienceUpon 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 AmericaHowever, we are not responsible for the conduct in the complaintMr [redacted] states he was directed to send various amounts of monies in order to receive a loanAdvance America does not request consumers pay a fee in advance of receiving a loanAdvance America does not show any open or closed accounts in the name of [redacted] *** with the corresponding addressThis 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 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 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 Missouri, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] *** [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]
December 9, Ms [redacted] Via Secure Email Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-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 his experienceUpon receipt, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaintMr [redacted] states he was told that he has a loan, and he is being threatened with a court date if he does not pay $within ten daysAdvance America’s operating subsidiaries do not show any open or closed accounts in the name of [redacted] with the corresponding addressFurthermore, Advance America, nor any of its operating subsidiaries, currently transact business with consumers residing in the State of MarylandAdvance America does not operate brick and mortar locations there, nor does it offer online loans to Maryland residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, Heather G [redacted] Heather G [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 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 complaintMs [redacted] states she received an email threating an arrest warrant if she did not pay an outstanding amount of $The email identifies the lender as Cash Advance IncAccording to our records, Advance America, Cash Advance Centers of California, LLC does not have a customer named [redacted] matching the address in the complaintIn 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 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 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 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 California, LLC under any applicable laws, statutes or proceduresSincerely, [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*** Lanika M*** 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 fireplaces, but that is not true, we only have electronic fireplaceOur other fireplace is in perfect running order and does not require any type of service because it is not a gas fireplaceThey must have us mistaken with another complaintMy 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 twiceIf the service charge is $and we were charged $100, they owe us $But I would like the full amount refunded because they lied to us each time we calledAlso had they told us that we needed to pay for the part upon ordering it, we would have gladly done soThe 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 answersThey were never concerned about ordering the part or repairing our fireplaceWe 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 reputationi still would like my $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 practicesAlso 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
August 5, Ms [redacted] Via Secure Email Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601- RE: Complaint ID 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] .comFurthermore, Advance America, nor any of its operating subsidiaries, currently transact business with consumers residing in the State of MarylandAdvance 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, Incunder any applicable laws, statutes or procedures Sincerely, [redacted] Compliance Specialist
[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] W [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 Sincerely, [redacted]
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 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 complaintMs [redacted] states she was told to put a specific amount of money on an iTunes card in order to receive a loanAdvance America does not request that consumers pay a fee in advance of receiving a loanAccording to our records, Advance America does not have a customer with the same name and addressThis 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 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 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 proceduresRegards, [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 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 complaintMs [redacted] states she is receiving collection emails for a payday loan she never receivedAccording to our records, Advance America’s operating subsidiaries do not have a customer with the same name and corresponding addressAdvance America’s operating subsidiaries do not transact business with consumers residing in ArizonaAdvance America does not operate brick and mortar locations in Arizona, nor does it offer online loans to Arizona residentsFurther, Advance America is not affiliated with a company by the name of Advance Cash USAThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] [redacted] Compliance Specialist
I spoke to the gentleman about his issues and they have been taken care of at his house
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 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 pastMs [redacted] states that she was told that due to a low credit score, she was required to send $on a card in order to receive the loanAdvance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loanAccording to our records, Advance America’s subsidiaries do not have a customer with the same name and addressFurther, neither Advance America, nor any of its operating subsidiaries, transact business with consumers residing in New JerseyAdvance America does not operate brick and mortar locations in New Jersey, nor does it offer online loans to New Jersey residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] *** [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 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 complaintMs [redacted] states she applied for a loan and was directed to send various amounts of monies in order to receive a loanAdvance America’s operating subsidiaries do not request that consumers pay a fee in advance of receiving a loanAccording to our records, none of Advance America’s operating subsidiaries have a customer named [redacted] matching the address in the complaintFurther, none of Advance America’s operating subsidiaries transact business with consumers residing in PennsylvaniaAdvance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [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, 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] with the corresponding addressFuthermore, Advance America does 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 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, Incunder any applicable laws, statutes or procedures Sincerely, [redacted] [redacted] Compliance Specialist
May , 2015Via UPS Delivery Ms [redacted] Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-2164RE: Complaint ID [redacted] Dear Ms [redacted] , [redacted] of Michigan, Incdba Advance America (Advance America) is in receipt of the complaint filed by [redacted] , and we are sympathetic regarding his experienceUpon 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 loanAdvance America does not request that consumers pay a fee in advance of receiving a loanAccording 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 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 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, Incunder any applicable laws, statutes or procedures.Sincerely, [redacted] Compliance Specialist
RE: [redacted] ***; Case ID # [redacted] , Second ResponseDear Ms [redacted] : [redacted] of Texas, L.Pd/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 rateAll agreements require the same percentage of the loan to be paid during a refinanceThe enclosures show the 15% on page one, third paragraphWe do not disagree that the loans established prior to April 13, 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 loanThe 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, the loan she originated on April 13, 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 companyAdvance America apologizes for any inconvenience this matter has caused and hopes this resolves Ms***' 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,
Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experienceUpon 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 complaintMr [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 complaintFurther, none of Advance America’s operating subsidiaries transact business with consumers residing in PennsylvaniaAdvance America does not operate brick and mortar locations in Pennsylvania, nor does it offer online loans to Pennsylvania residentsAdvance 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 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] Compliance Specialist
Dear Ms [redacted] , Advance America, Cash Advance Centers of [redacted] , Incd/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted] 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 complaintMs [redacted] states she received a voicemail message from Advance America in regards to her loan application for $30,She states she called the number back questioning the “manager” on how her personal information was obtainedShe states that she has never applied for a loanThe “manager” would not provide her any informationAdvance America does not show any open or closed accounts in the name of [redacted] with the corresponding addressAdditionally, the telephone number listed in the complaint, ( [redacted] ext***, is not associated with any Advance America centerThis 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 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 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 [redacted] , Inc.under any applicable laws, statutes or proceduresSincerely, [redacted] [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 his experienceUpon 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 complaintMr [redacted] states in his complaint that he received a threatening email but he has never conducted business with Advance AmericaAdvance America does not show any open or closed accounts in the name of [redacted] with the corresponding addressFurther, Advance America complies with all applicable federal and California laws when attempting to collect a debtAdvance America does not threaten customersThis 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 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 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 California, and LLC under any applicable laws, statutes or proceduresSincerely, [redacted] [redacted] Compliance Specialist
RE: Complaint ID # [redacted] Dear Ms [redacted] , Advance America, Cash Advance Centers of [redacted] , Incd/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted] and we are sympathetic regarding his experienceUpon 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 AmericaHowever, we are not responsible for the conduct in the complaintMr [redacted] states he was directed to send various amounts of monies in order to receive a loanAdvance America does not request consumers pay a fee in advance of receiving a loanAdvance America does not show any open or closed accounts in the name of [redacted] *** with the corresponding addressThis 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 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 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 Missouri, Incunder any applicable laws, statutes or proceduresSincerely, [redacted] *** [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]
December 9, Ms [redacted] Via Secure Email Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-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 his experienceUpon receipt, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaintMr [redacted] states he was told that he has a loan, and he is being threatened with a court date if he does not pay $within ten daysAdvance America’s operating subsidiaries do not show any open or closed accounts in the name of [redacted] with the corresponding addressFurthermore, Advance America, nor any of its operating subsidiaries, currently transact business with consumers residing in the State of MarylandAdvance America does not operate brick and mortar locations there, nor does it offer online loans to Maryland residentsThis 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 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 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, Incunder any applicable laws, statutes or proceduresSincerely, Heather G [redacted] Heather G [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 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 complaintMs [redacted] states she received an email threating an arrest warrant if she did not pay an outstanding amount of $The email identifies the lender as Cash Advance IncAccording to our records, Advance America, Cash Advance Centers of California, LLC does not have a customer named [redacted] matching the address in the complaintIn 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 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 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 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 California, LLC under any applicable laws, statutes or proceduresSincerely, [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*** Lanika M*** Compliance Specialist