Hooter's

RE: Case ID No***: *** *** Dear Ms***:
"">Advance America, Cash Advance Centers of Louisiana, 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 that companies by the names “*** *** Services” and “*** *** 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 *** *** matching the address in the complaintFurther, Advance America is not owned by, or affiliated with, *** *** Services. 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 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*** Heather G*** Compliance Specialist

normal; background-">March 26,
Ms*** ***
Revdex.com of the Upstate North Church St, Suite C Greenville, SC
RE: *** *** - Case No***
Dear *** ***:
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 complaintUnfortunately, Advance America has encountered complaints of this nature in the past and has posted a Consumer Alert in all of its locations regarding scam calls
*** *** states that he has been harassed via telephone calls to his employer by a man who identified himself as *** *** and claimed to represent the corporate office of “Cash Advance America.” *** *** was told that he owed $1,and instructed to send that amount via Money Gram or Western Union to *** ***, Florida
We do not show any open or closed accounts in the name of *** ***Our company does not do business as Cash Advance AmericaOur corporate office is located in South Carolina, and the referenced phone number is not associated with Advance America
We recommend that *** *** 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, that he report such calls to law enforcement
Respectfully,

The worst place that exist in this worldInhumanI will never step a foot in this place againThey are liars

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 complaint. Ms*** 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 *** *** 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 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, and, if appropriate, report this matter to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Incunder any applicable laws, statutes or procedures. Sincerely, ** *** *** *** ** *** *** *** Compliance Specialist

I do not agree with their letter because to this day they (Advance America) continue to call and harass me for more money to approve my loan I have spoken with *** ***, a man named *** and ***And a gentleman called me on 11/29/stating he was from the Federal Trade Commission and
if I didn't pay the remaining they were going to send the police to arrest meI told him I knew he wasn't from the FTC he sounded just like *** *** and I was not giving into their threatsYet they call me everyday asking where the money is for the loanThey call from the same number ***, I have blocked the number , so now I get calls from unknown numbers, or from different areas in Florida all day long and if I answer them its the same peoplethey are very rude now and I want them to stop and I really would like to get the money I gave them backthey are scam artist who pray on people with bad creditI feel terrible for falling for their scamPlease help me , they are not being truthful with you
Thank You, *** ***

RE:
"">Complaint ID ***
Dear Ms***,
Advance America is in receipt of the complaint filed by the complainant who submitted the above referenced complaint IDWe are very sympathetic regarding his experience; however, we do not believe that we are responsible for the conduct referenced in the complaint
We have performed a diligent search of our records and have determined that the complainant is neither a current nor previous customer of Advance AmericaFurther, Advance America does not require customers to pay any fees before receiving a loan
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 the complainant 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,
*** *** ***
*** *** ***
Compliance Specialist

RE: Complaint ID *** Dear Ms***,
justify;">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 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 Mr*** 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, *** *** *** *** Compliance Specialist

Ms.*** ***
Revdex.com of the Upstate North Church St, Suite C Greenville, SC
RE: *** ** *** - Case No***Dear *** ***:
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*** *** response and the details other financial hardship, and we appreciate the opportunity to respond
A review of our records confirms that *** *** 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 *** *** 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
*** ** *** Compliance Specialist

RE: Complaint ID ***
Dear Ms***, 11px">Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the complaint filed by *** *** 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 complaint. Ms*** 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 addressFurther, none of Advance America’s operating subsidiaries transact business with consumers residing in North CarolinaAdvance 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 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, 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,
*** *** De to current health conditions, and under
doctors care for sever infections and physical and mental health issues, I am requesting that Advance America take a smaller amount on the loan or write the balance off due to my current health condition and being under doctors care fore my medical conditionI cannot afford my medical care and still pay for this loan over 1,I am sorry

RE: Complaint ID
***/*** ***
Dear *** ***,
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 that although *** *** is a customer at Advance America, we are not responsible for the conduct in the complaintAdvance America has encountered complaints of this nature in the past and has posted a Consumer Alert in all of its locations regarding scam calls
*** *** states that he was contacted by someone from “Cash Advance America” letting him know that he qualified for a loan of $3,*** *** was instructed to send multiple sums of money through a green dot card in order to receive the loan“Cash Advance America” has refused to refund *** *** the money sent
Advance America is a brick and mortar operation that requires consumers to visit one of its centers in order to receive its productsAdvance America does not request that consumers pay a fee in advance of receiving a loanAdvance America is not associated with “Cash Advance America.” Additionally, the phone number referenced in *** *** complaint, ***, is not associated with any Advance America center
Unfortunately, Advance America has encountered complaints of this nature in the pastWe recommend that *** *** 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,*** ***
*** *** Compliance Specialist Advance America, Cash Advance Centers, Inc*** *** *** *** * ***, South Carolina

November 21, Via secure email Ms*** *** Revdex.com of Upstate South Carolina North Church Street, Suite C Greenville, SC 29601-RE: *** Dear Ms***: Advance America, Cash Advance Centers of Virginia, Incd/b/a Advance America (“Advance
America”) is in receipt of the complaint filed by Ms*** 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*** states that she attempted to get a loan and 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 *** *** ***Advance America does not request that customers pay a fee in advance of receiving a loanThis 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*** 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 Virginia, Incunder any applicable laws, statutes or proceduresSincerely, *** *** *** *** Compliance Specialist

RE: Complaint ID *** Dear Ms***, 11px">Advance America, Cash Advance Centers, Inc(“Advance America”) is in receipt of the complaint filed by *** *** 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 complaint. Ms*** 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 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 USA. 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, 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

normal; background-">RE: Complaint ID ***- *** ***
Dear *** ***:
The above referenced complaint has been received and reviewed by the Legal and Regulatory division of Advance America, Cash Advance Centers, Incon behalf of its subsidiary, Advance America, Cash Advance Centers of Louisiana, LLC d/b/a Advance AmericaWe have investigated the matter and appreciate the opportunity to respond
Our records indicate that *** *** entered into a Title Loan Customer Agreement (“Agreement”) on March 14, Pursuant to his Agreement, *** *** agreed to repay Advance America $on April 14, *** *** returned to our Advance America center on March 31, and paid his account in full
The Team Member explained to *** *** that his title was delivered to the Department of Motor Vehicles, in order for Advance America to perfect our lien on the titleThe Team Member also explained to *** *** that upon receipt of his title, Advance America would immediately release the lien on his vehicle and forward the title to him
*** *** was not satisfied with the Team Member’s response and his concern was escalated to our Divisional Director of Operations, *** *** *** apologized and explained to *** *** that unfortunately, we would have to wait until his title returned to the center before Advance America could release the lien*** *** requested a letter attesting to this fact and per his request, a letter was provided to the customer from Advance America’s corporate officeThe referenced letter is enclosed for your convenience
*** *** was still unhappy with having to wait for his title and his complaint was further escalated to our Regional Director of Operations, *** *** *** apologized to *** *** and assured him that Advance America would do all that we could to expedite the process of him receiving his title*** *** assured *** *** that Advance America strives to offer excellent customer satisfaction, and we regret when a customer is dissatisfied with his/her experience with our companyAs a matter of customer service, *** *** was refunded the accrued interest of his title loan which totaled $The center received *** *** title on Friday, April 4, and the lien was released and the title returned to *** ***
Based on the above, we hope this matter is resolved to your and *** *** satisfactionIf you require additional information, please contact me at ***
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
*** *** ***
Compliance Specialist

RE: Complaint ID
***/*** *** ***
Dear *** ***,
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 complaint
According to our records, *** *** entered into a Deferred Deposit Agreement (“Agreement”) with Advance America on December 21, Pursuant to the Agreement, he agreed to repay $on or before January 3, When he failed to repay any of this amount, his personal check # *** in the amount of $was sent to his financial institution for presentment on January 4, His personal check #*** was returned to Advance America unpaid by his financial institution on January 9, On this date, his account was charged a $insufficient funds feeAs of the date of this letter, he has a remaining past due balance with Advance America in the amount of $
*** *** states that he is being harassed with threats of his wages being garnished and by being told to file bankruptcyUpon investigation, we learned that collections calls in the ordinary course of business have been made to *** ***However, the above referenced threats have not been included in these calls in any formNevertheless, *** *** has been placed on our “Do Not Call” list
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

Advance America, Cash Advance Centers, Inc(“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 complaintUnfortunately, Advance America has encountered complaints of this nature in the past. Mr*** 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 $to the company. Advance 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 addressAdditionally, 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 GeorgiaAdvance 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 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 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(“Advance America”) is in receipt of the
Verdana;">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 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 *** *** 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 agencies. We recommend that Mr*** 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, Incunder any applicable laws, statutes or procedures. Sincerely,
*** *** Compliance Specialist

Dear Ms. *** *** of Ohio, Incd/b/a National Cash Advance (“National
Cash Advance”) is in receipt of the complaint filed by *** ***We appreciate the opportunity to respond. In Ohio, National Cash Advance is registered as a Credit Services OrganizationNational Cash Advance assists customers in gathering information to provide to *** Finance Ohio, LLC (“Lender”), so that the Lender can make a decision whether to issue a loan to the customerThe customer is approved or denied based on the criteria set by the LenderWhen a customer is approved, the Lender then funds the loan in the amount identified in the Promissory NoteAt the customer’s request, and in consideration of a loan extended by the Lender, National Cash Advance issues a guaranty to the Lender in the amount identified in the Promissory NoteIn the event the customer defaults, the Lender calls for payment on the guaranty to the extent that it is outstandingDue to the customer defaulting on the loan for non-payment, and the guaranty being called by the Lender, the customer will then owe National Cash Advance the unpaid loan amount, which was originally loaned to the customer by the Lender. According to our records, Mr*** entered into a Promissory Note with the Lender on December 5, Pursuant to this Promissory Note, Mr*** agreed to repay the loan to the Lender in two paymentsThe first payment, in the amount of $155.78, was due on January 4, He paid that payment to the Lender as agreedOn January 2, 2015, Mr*** made an additional cash payment of $Mr***’s second payment, in the amount of $1,150.62, was due on February 3, On February 3, 2015, he made a cash payment of $When Mr*** failed to make any further payments, his obligation to repay was transferred to National Cash Advance as outlined aboveAs of the date of this letter, Mr*** has a remaining past due balance with National Cash Advance in the amount of $861.05. Mr*** states that, on February 3, 2015, he requested an extension to repay his loanNational Cash Advance cannot offer an extension on behalf of the Lender, but Mr*** was eligible for a refinance. When Mr*** entered the National Cash Advance center on February 3, 2015, the customer service representative attempted to explain Mr***’s optionsMr*** became visibly upset and he stated that he did not have the 5% buydown amount required to refinance a title loanHe then threw $250.00 at her and left the centerThe $was applied to his account. National Cash Advance strives to offer excellent customer satisfactionPart of this excellent customer satisfaction means working with customers to make mutually agreeable payment arrangementsMr. *** may contact his local National Cash Advance 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 *** of Ohio, Incor *** Finance Ohio, LLC under any applicable laws, statutes or procedures. Respectfully, *** * *** *** ** *** Compliance Specialist

March
26,
Ms*** ***
Revdex.com of the Upstate North Church St, Suite C Greenville, SC
RE: *** *** *** - Case BIO/***
Dear *** ***
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 complaintUnfortunately, Advance America has encountered complaints of this nature in the past and has posted a Consumer Alert in all of its locations regarding scam calls
*** *** states that he was contacted via telephone by a man who identified himself as *** *** and claimed to represent “Advance America Payday.” *** *** was told that he had been approved for a $3,loan and instructed to purchase a “Green Dot Moneypak Card” and load money onto the card in order to receive the loan proceeds
We do not show any open or closed accounts in the name of *** *** *** residing in *** OhioAdvance America does not request that consumers pay a fee in advance of receiving a loanFurther, the referenced phone number is not associated with Advance America
We recommend that *** *** 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, that he report such calls to law enforcement
Respectfully,
*** ** *** Compliance Specialist

Dear Ms***, Advance America, Cash Advance Centers of Florida, LLC d/b/a
Advance America (“Advance America”) is in receipt of the complaint filed by *** *** and we are sympathetic regarding her experienceUpon receipt of her complaint, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaint. Ms*** 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 address. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance AmericaAdvance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms*** continue to document all details of any such communications in the future, that she not disclose any personal information, 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, *** * *** *** * *** Compliance Specialist