Hooter's

June 30, Ms [redacted] Revdex.com of the Upstate North Church St., Suite C Greenville, SC RE: [redacted] - Case No[redacted] Dear [redacted] The Legal and Regulatory division of Advance America, Cash Advance Centers of Alabama, LLC d/b/a Advance America (“Advance America”) is in receipt of the above referenced complaint We appreciate the opportunity to respond According to our records, Ms [redacted] filed her tax return using the E-Tax system with our center on February 19, Advance America serves as the Electronic Return Originator for E-Tax, Incd/b/a E-Tax Partners (“E-Tax”)In this role, Advance America collects and transmits the customer’s tax information to E-Tax, who is the tax preparer In Ms [redacted] ’s complaint she alleges the mileage listed on her tax return should not have been enteredOur center employees enter information provided to them by the customer into the E-Tax system and the customer must consent by signature to filing the return Advance America strives to achieve excellent customer satisfaction, and we regret when a customer is dissatisfied with his/her experience with our companyWe are happy to file an amendment to Ms [redacted] ’s tax return at no charge if she will return to the centerMs [redacted] will be responsible for any resulting overage/shortage to the IRS/State of AL once her return is amended 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 Alabama, LLC under any applicable laws, statutes, or procedures Respectfully, [redacted] Compliance Specialist v

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

RE: Complaint ID [redacted] Dear Ms [redacted] , justify;">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, 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 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 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, Incunder any applicable laws, statutes or procedures Sincerely, [redacted] [redacted] Compliance Specialist

Dear [redacted] : The follow up on the above-referenced complaint has been received and reviewed by the Legal and Regulatory division of Advance America, Cash Advance Centers, Inc(“Advance America") We have reviewed [redacted] response and the details other financial hardship, and we appreciate the opportunity to respond A review of our records confirms that [redacted] debt to Advance America is legitimateHowever, Advance America, Cash Advance Centers, Incstrives to offer excellent customer satisfactionPart of this effort includes working with customers who have difficulty repaying their loans to make mutually agreeable payment arrangementsWe encourage [redacted] to contact the center that originated her loan to discuss a plan for repayment 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 [redacted] *** Compliance Specialist

Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the Verdana;">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

Ms. [redacted] RevDex.com of the Upstate 408 North Church St, Suite C Greenville, SC 29601 RE: [redacted] - Case No. [redacted] Dear [redacted] : The follow up on the above-referenced complaint has been received and reviewed by the Legal and Regulatory division of Advance America, Cash Advance Centers, Inc. (“Advance America") We have reviewed [redacted] response and the details other financial hardship, and we appreciate the opportunity to respond. A review of our records confirms that [redacted] debt to Advance America is legitimate. However, Advance America, Cash Advance Centers, Inc. strives to offer excellent customer satisfaction. Part of this effort includes working with customers who have difficulty repaying their loans to make mutually agreeable payment arrangements. We encourage [redacted] to contact the center that originated her loan to discuss a plan for repayment. 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. [redacted] *** Compliance Specialist

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 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 *** * *** 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*** 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 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: Complaint ID *** Dear Ms***, 11px">Advance America, Cash Advance Centers of Virginia, Incd/b/a Advance America (“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 she sent a company $in order to receive a loan, which the company never fundedAdvance 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 *** ***. 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 Virginia, Incunder any applicable laws, statutes or procedures. Sincerely, *** * *** *** * *** Compliance Specialist

I am in receipt of your email stating you mailed my complaint to the company
New Roman;">Since the date that I filed the complaint, I have been able to resolve the matter I spoke with a regional manager and let her know that I work for a law firm and I am well aware of my rights under the Deceptive Trade Practices Act
I told her my complaint just as I reported to you and the manager had a very different attitude than the employees at the store She agreed that instead of a mystery amount due every month, I would pay $150.00, just as they promised I would They also agreed to stop charging me the outrageous interest ratesFor the record, I have already paid almost $on a $1,loan and as of now I still owe $1,
The only problem that I see is that this agreement is verbal; I have nothing in writing I have her contact information and I hope that she honors the deal that we made
So even though this company made right by me (so far), I am sickened to think of how many other people they have *** over financially This company lied to me and almost got away with basically stealing my money or me losing my title to my one and only vehicle
Companies like this one should not be in business; they are only looking to prey on the weak and take advantage of people And the worst part is, people that go in there are looking for financial help, like I was with getting a title loan So someone who might be in bad situation financially, after leaving there will be completely devastated when they find out what they really signed up for
Best regards,
*** *** ***

Dear Ms***, Advance America, Cash Advance Centers of ***, Incd/b/a
Advance America (“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 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 *** *** with the corresponding addressAdditionally, the telephone number listed in the complaint, (*** *** ext. ***, is not associated with any Advance America center. 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 ***, Inc.under any applicable laws, statutes or procedures. Sincerely, *** *** *** *** Compliance Specialist

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 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*** 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 *** *** *** with the corresponding address. Further, Advance America complies with all applicable federal and California laws when attempting to collect a debtAdvance 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 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*** 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, *** ***
*** *** Compliance Specialist

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 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 was told that due to a low credit score, she was required to send $525.00 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 address. Further, 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 residents. 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, Incunder any applicable laws, statutes or procedures. Sincerely, *** * *** *** * *** Compliance Specialist

background-">RE: Complaint ID ***
Dear *** ***,
Advance America is in receipt of the response to our response to the complaint filed by the gentleman who submitted the above referenced complaint IDAlthough we are very sympathetic regarding his experience, as cited in our first response we are not responsible for the conduct referenced in his complaint and thus are not able to refund him any monies
Unfortunately, Advance America has encountered complaints of this nature in the past and has posted a Consumer Alert in all of its locations regarding scam callsWe recommend that he continue to document all details of any such calls as described in the complaint 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, Incunder any applicable laws, statutes or procedures
Sincerely, *** ***
*** *** Compliance Specialist Advance America, Cash Advance Centers, Inc.*** *** *** *** * ***, South Carolina

RE: *** *** ***; Case ID #***, Second Response
Dear Ms*** ***:
*** of Texas, L.Pd/b/a Advance America (“Advance America”) is in receipt of the response to the original complaint filed by *** ***We have further investigated the matter and appreciate the additional opportunity to respondMs*** 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 agreementsAdditionally, 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 StatementMs*** refinanced on May 15, the loan she originated on April 13, and has a current open account with the LenderAdvance 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 questionThis 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 *** of Texas, LP under any applicable laws, statutes or proceduresSincerely,

normal; background-">March 25,
Ms*** ***
Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-
RE: Complaint ID***
Dear *** ***,
According to our records, the customer who submitted the above referenced complaint ID entered into a Customer Agreement (“Agreement”) with the Advance America center located at *** ** ** *** *** *** ***, MO, on February 19, Pursuant to that Agreement, she agreed to repay $on or before March 7, As shown on the agreement attached, the customer agreed to give us a security interest in her checkAs stated on the agreement, she was told that the check would be held without processing until after the due dateOn March 10, she called the center to let them know a check was in the mail, and then on March 11, she stated that a money order was in the mailNeither was receivedShe was not promised that her check would be heldHer check number *** was sent to her financial institution for presentment on March 13, after she had failed to repay any of the amount dueIt was returned to Advance America, unpaid, on March 19, and her account was charged a returned check fee of $As of the date of this letter, she has a remaining past due balance with Advance America in the amount of $
Advance America strives to offer excellent customer satisfactionPart of this excellent customer satisfaction means working with customers to make mutually agreeable payment arrangementsYou may contact this Advance America center at *** ***, and a customer service representative will assist you with those arrangements
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
Compliance Specialist Advance America, Cash Advance Centers, Inc.*** *** *** *** * ***, South Carolina

RE: Complaint ID *** Dear Ms***, Advance America, Cash Advance Centers of Washington, LLC (“Advance America”) is in receipt of the complaint filed by *** *** *** who submitted the above referenced complaint ID 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 she received an email advising that she was approved for a loanMs*** was directed to send various amounts of monies in order to receive a loanAdvance America does not show any open or closed accounts in the name of the *** *** *** with the corresponding address. Additionally, Advance America does not request that consumers pay a fee in advance of receiving a loan. Unfortunately, Advance America has encountered complaints of this nature in the pastThis 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*** 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 Washington, LLC under 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 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

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

class="MsoNormal" "margin: 0in 0in 0pt;">June 30,
Ms*** ***
Revdex.com of the Upstate
North Church St., Suite C
Greenville, SC
RE: *** *** - Case No.***
Dear *** ***
The Legal and Regulatory division of Advance America, Cash Advance Centers of Alabama, LLC d/b/a Advance America (“Advance America”) is in receipt of the above referenced complaint. We appreciate the opportunity to respond
According to our records, Ms*** filed her tax return using the E-Tax system with our center on February 19, Advance America serves as the Electronic Return Originator for E-Tax, Incd/b/a E-Tax Partners (“E-Tax”)In this role, Advance America collects and transmits the customer’s tax information to E-Tax, who is the tax preparer
In Ms***’s complaint she alleges the mileage listed on her tax return should not have been enteredOur center employees enter information provided to them by the customer into the E-Tax system and the customer must consent by signature to filing the return
Advance America strives to achieve excellent customer satisfaction, and we regret when a customer is dissatisfied with his/her experience with our companyWe are happy to file an amendment to Ms***’s tax return at no charge if she will return to the centerMs*** will be responsible for any resulting overage/shortage to the IRS/State of AL once her return is amended
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 Alabama, LLC under any applicable laws, statutes, or procedures
Respectfully,
*** ***
Compliance Specialist
v