Hooter's

November 25, 2014 via secured email Ms. [redacted] Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 RE: Complaint ID [redacted] Dear Ms.[redacted], Advance America, Cash Advance Centers of South Carolina,...

Inc. (“Advance America”) is in receipt of the complaint filed by [redacted] who submitted the above referenced complaint ID 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 that she received a letter stating that she was approved for a loan. She also states that she spoke with an individual named [redacted] and was directed to send various amounts of monies in order to receive a loan. Advance America does not show any open or closed accounts in the name of the [redacted] 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 past. 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] 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 South Carolina, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

Hi [redacted] I want to thank you for your help and I want you to know that complaint #[redacted] has been taking care of.  The company has cut me a check for the money that was taken from me.  They were understanding and they have settle with me.  Thanks again

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint. 
I am rejecting the offer because I have already had to submit all applicable documentation to the state department, I will not trust E-Tax with my information again.
I would like a refund for the service they did not provide ( the correct filing of my state tax).   The E-Tax representative suggested that the branch and I supplied him with that information. 
 
E- Tax  owes me and the Advance America branch an apology.
 
Regards,
[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 experience. Upon receipt of her complaint, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaint. Ms. [redacted] states she was told to put a specific amount of money on an iTunes card in order to receive a loan. Advance America does not request that consumers pay a fee in advance of receiving a loan. According to our records, Advance America does not have a customer with the same name and address. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such communications in the future, that she not disclose any personal information, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Florida, LLC under any applicable laws, statutes or procedures. Regards, [redacted] Compliance Specialist

normal; background-color: transparent;">March 13, 2014
Ms.[redacted]
Revdex.com 0f Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164
RE: Complaint ID [redacted]
Dear [redacted],
Advance America is in receipt of the complaint filed by [redacted], and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of our records, and we have determined that we are not responsible for the conduct in the complaint. 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 calls.
[redacted] states that she applied for a loan and was required to pay advance fees using a “greendot moneypack” in order to receive the loan proceeds. Our loan process does not include
payment in advance of receiving a loan. Further, we do not Show any open or closed accounts in
the name of [redacted].
This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures.
Sincerely,
[redacted]
Compliance Specialist

Ms.[redacted]...

[redacted] Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164
RE: Complaint ID [redacted]
Dear [redacted],
The Legal and Regulatory division of Advance America, Cash Advance Centers, Inc. (“Advance America”) is in receipt of the above referenced complaint. Upon receipt of [redacted] complaint, we performed a diligent search of our records and we have identified [redacted] as a former customer of Advance America. Advance America respectfully states that it is not responsible for the alleged conduct in [redacted] complaint. Unfortunately, Advance America has encountered complaints of a similar nature in the past. We have posted a Consumer Alert in all of our locations regarding the dangers of scam calls involving fraudulent collection attempts.
[redacted] states that he was told he was approved for a $5000 loan. Additionally, [redacted] claims that he was instructed to purchase a “vanilla reload network” card and load $110 onto the card in order to receive the loan proceeds. Advance America’s loan process does not include payment in advance of receiving a loan. Further, Advance America has not operated in the state of Pennsylvania since 2007.
According to our records, [redacted] opened a Choice Line of Credit account with [redacted] of Delaware, LLC d/b/a/ Advance America on April 19, 2007. [redacted] has a remaining outstanding balance of $500.00. This balance does not contain any fees or interest, which were waived from his account in 2007. Advance America is not actively collecting on any Revolving Credit Agreements in the Commonwealth of Pennsylvania.
We recommend that[redacted] document all details of any such offers in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement.
This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. or [redacted] of Delaware, LLC under any applicable laws, statutes, or procedures.
Sincerely, [redacted], M.S. Compliance Specialist Advance America, Cash Advance Centers, Inc.[redacted], South Carolina 29306

November 21, 2014 Via secure email Ms. [redacted] Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 RE: [redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers of Virginia, Inc. d/b/a Advance America (“Advance...

America”) is in receipt of the complaint filed by Ms. [redacted] and we are sympathetic regarding her experience. Upon receipt of her complaint, we performed a diligent search of our records and we have determined we are not responsible for the conduct in the complaint. Unfortunately, Advance America has encountered complaints of this nature in the past. Ms. [redacted] states that she attempted to get a loan and was directed to send various amounts of monies in order to receive a loan. Advance America does not show any open or closed accounts in the name of [redacted]. Advance America does not request that customers pay a fee in advance of receiving a loan. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Virginia, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

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] [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] [redacted] with the corresponding address. Futhermore, Advance America does not transact businesss with consumers residing in the Commonwealth of Pennsylvania. It does not operate brick and mortar locations there, nor does it allow Pennslyvania residents to enter into online transactions.   This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America.  Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies.   We recommend that 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, Inc. under any applicable laws, statutes or procedures.   Sincerely, [redacted]   [redacted] Compliance Specialist

November 25, 2014 via secured email Ms. [redacted] Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 RE: Complaint ID[redacted] Dear Ms. [redacted], Advance America, Cash Advance Centers of Idaho, Inc. (“Advance...

America”) is in receipt of the complaint filed by[redacted] who submitted the above referenced complaint ID 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 that he applied for a loan and was directed to send various amounts of monies in order to receive a loan. Advance America does not show any open or closed accounts in the name of the [redacted] 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 past. 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] document all details of any such calls in the future, that he not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of Idaho, Inc. under any applicable laws, statutes or procedures. Sincerely, [redacted] Compliance Specialist

The worst place that exist in this world. Inhuman. I will never step a foot in this place again. They are liars.

Re: [redacted] Complaint ID: [redacted] 
Dear Ms. [redacted]:  Verdana;">[redacted] of Ohio, Inc. d/b/a Advance America (“Advance America”) is in receipt of the complaint filed by [redacted]. We appreciate the opportunity to respond. In Ohio, Advance America is registered as a Credit Services Organization. Advance America assists customers in gathering information to provide to [redacted] Finance Ohio, LLC (the “Lender”), so that the Lender can make a decision whether to issue a loan to the customer. The customer is approved or denied based on the criteria set by the Lender. When a customer is approved, the Lender then funds the loan in the amount identified in the Promissory Note. At the customer’s request, and in consideration of a loan extended by the Lender, Advance America issues a guaranty to the Lender in the amount identified in the Promissory Note. In the event the customer defaults, the Lender calls for payment on the guaranty to the extent that it is outstanding. Due to the customer defaulting on the loan for non-payment, and the guaranty being called by the Lender, the customer will then owe Advance America the unpaid loan amount, which was originally loaned to the customer by the Lender. According to our records, Ms. [redacted] entered into a Promissory Note with the Lender on October 28, 2014. On December 24, 2015, Ms. [redacted] entered the Advance America center and contracted with Advance America to arrange a refinance of the previous loan with the Lender. On February 21, 2015, Ms. [redacted] entered the Advance America center and again contracted with Advance America to arrange a refinance of the loan with the Lender. As of the date of this letter, the loan that Ms. [redacted] entered into with the Lender is in current status and has not been assigned to Advance America. If Ms. [redacted] would like further information about her loan, she may contact [redacted] Finance Ohio, LLC by mail at [redacted], Dept. [redacted], OH 45409 or by telephone at ([redacted]. Advance America strives to offer excellent customer satisfaction, and we regret when a customer is dissatisfied with her experience with our company. We hope that this response resolves the issue to Ms. [redacted]’s satisfaction. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to [redacted] of Ohio, Inc. under any applicable laws, statutes or procedures. Respectfully, Sharon M Mack Sharon M. Mack 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 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

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 [redacted], a man named [redacted] and [redacted]. And a gentleman called me on 11/29/2014 stating he was from the Federal Trade Commission and...

if I didn't pay the remaining 205.00 they were going to send the police to arrest me. I told him I knew he wasn't from the FTC he sounded just like [redacted] and I was not giving into their threats. Yet they call me everyday asking where the money is for the loan. They call from the same number [redacted], 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 people. they are very rude now and I want them to stop and I really would like to get the money I gave them back. they are scam artist who pray on people with bad credit. I feel terrible for falling for their scam. Please help me , they are not being truthful with you .
                                        ...⇄ Thank You, [redacted]

RE:  Complaint ID [redacted]   Dear Ms. [redacted],   Advance America, Cash Advance Centers Inc. (Advance America”)...

is in receipt of the complaint filed by [redacted] and we are sympathetic regarding 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 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 [redacted] with the corresponding address. Furthermore, Advance America’s operating subsidiaries do not transact business with customers residing in New York. It 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. [redacted] continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement.   This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures.   Sincerely, [redacted]   [redacted] Compliance Specialist

Ms....

[redacted] Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164
RE: Complaint ID[redacted]
Dear [redacted],
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. Also, according to our records, Advance America does not have a customer with the same name and corresponding address.
[redacted] states that she applied for a loan and was directed by [redacted] and then “cash advance America” to send multiple sums of money to “cash advance America” in order to receive a loan of $10,000.00. “Cash advance America” has refused to refund [redacted] the monies sent.
Advance America is a brick and mortar operation that requires consumers to visit one of its centers in order to receive its products. Advance America does not request that consumers pay a fee in advance of receiving a loan. Further, Advance America does not offer loans in the amount of $10,000.00. Advance America is associated with neither “cash advance America” nor [redacted].
Unfortunately, Advance America has encountered complaints of this nature in the past. We recommend that [redacted] continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement.
This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers, Inc. under any applicable laws, statutes or procedures.
Sincerely, [redacted] Compliance Specialist Advance America, Cash Advance Centers, Inc. [redacted] [redacted], South Carolina 29306

Re: [redacted]–Complaint ID [redacted]
Dear Ms. [redacted] of Ohio, Inc. d/b/a Advance America (“Advance America”) is in receipt of the additional information provided by [redacted] in answer to our response to her complaint. We appreciate the opportunity to respond.
Upon being provided the location at which the incident described in Ms. [redacted]'s complaint took place, we were able to further research the matter. We have determined that Ms. [redacted] regularly accompanies a third party in the Advance America center located at [redacted], Ohio. According to our records and eyewitnesses, Ms. [redacted] has, on many occasions and through various means, attempted to obtain information about the third party’s account. She has not been able to provide a Power of Attorney for the third party, and center team members have repeatedly advised Ms. [redacted] that they are unable to discuss the account with Ms. [redacted].
On the day of the incident referenced in Ms. [redacted]’s complaint, Ms. [redacted] entered the center with the third party. She became upset about activity on the account, which was shared with her by the third party, and began verbally abusing the Advance America employees. Team members attempted to resolve the issue, but Ms. [redacted] continued being loud and disruptive in the lobby of the center, where other customers were present. Ms. [redacted] was asked politely to leave the center and advised that the police would be contacted if necessary. When Ms. [redacted] still refused to calm down or leave the center, team members called the police who escorted Ms. [redacted] from the center.
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 Ohio, Inc. under any applicable laws, statutes or procedures.
Sincerely,

RE:...

[redacted] Case #[redacted]
The above-referenced complaint has been received and reviewed by the Legal and Regulatory division of Advance America, Cash Advance Centers, Inc. on behalf of its subsidiary, [redacted] Small Loans of Ohio, Inc. d/b/a [redacted] (“[redacted]"). We have reviewed the complaint and appreciate the opportunity to respond.
[redacted] serves as the Electronic Return Originator for [redacted], Inc. d/b/a [redacted] (“[redacted]”). In this role, [redacted] collects and transmits the customer’s tax information to [redacted], who is the tax preparer.
According to our records [redacted] filed her Federal and State tax returns through [redacted] on January 28, 2014. Per [redacted] services, [redacted] was charged a tax preparation fee amount of $211.00, and when [redacted] elected to receive her tax refund check through a direct deposit refund anticipation check, she was charged $108.95 by the issuing bank. [redacted] elected to sign-up for audit defense and was charged $49.90. By selecting a direct deposit refund anticipation check, [redacted] made no upfront payments, but had her total fees of $368.95 deducted from her refund anticipation check. The fees associated with the[redacted] services were explained to [redacted] by our center employees. After the potential tax preparation fees were disclosed to[redacted], center employees explained all possible refund cap-liens available to [redacted]. Although her forms were already prepared the center could not have processed
her infomation with [redacted] until [redacted] had counted in the service, after being told what the service would cost.
[redacted] had a federal refund of 745.00 and a state refund of $109.00 before fees.[redacted] received a total refund of $485.05 after fees, which cleared the bank on February 14,
2014.
[redacted] sympathizes with [redacted] situation; however we feel that we have acted in accordance with all applicable laws, statues, procedures and our company policy and no further action is required by us at this time.
[redacted] strives to offer excellent customer satisfaction, and we regret when a customer is dissatisfied with his/her experience with our company. Based on the above, We hope this matter is resolved to your satisfaction. If you require additional information, please contact
me at [redacted].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 Ohio, Inc. under any applicable laws, statutes or procedures.
Respectfully
[redacted]
Compliance Specialist

October 14, 2016 Ms. [redacted]  font-family: Verdana;">Revdex.com of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 RE: Complaint ID [redacted] Dear Ms. [redacted]: Advance America, Cash Advance Centers of California, LLC. (“Advance America”) is in receipt of the complaint filed by [redacted], and we are sympathetic regarding her experience. Upon receipt, 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 that after applying for a short-term loan, she was contacted by an individual who claimed to represent Advance America. The caller requested a copy of Ms. [redacted]’s identification as well as a voided check, which included her bank account number with routing number. Ms. [redacted] never received any loan proceeds. Upon a return call, Ms. [redacted] was instructed to complete a MoneyGram transfer for $250.00. She refused this directive. Since that time, monies have been withdrawn from Ms. [redacted]’s account. Neither Advance America, nor any of its affiliated companies, request that consumers pay a fee in advance of receiving a loan. According to our records, Advance America does not have a customer or an applicant with the name and address provided. Advance America does not have a record of withdrawing funds from Ms. [redacted]’s financial institution. This communication appears to be part of an effort by criminals to defraud consumers by falsely claiming to represent Advance America. Advance America has previously communicated similar efforts to state and federal regulators as well as the Federal Bureau of Investigation and local law enforcement agencies. We recommend that Ms. [redacted] continue to document all details of any such calls in the future, that she not disclose any personal information to the caller, and, if appropriate, report such calls to law enforcement. This letter is written under a full reservation of rights and is not intended to be, nor should it be construed as, any admission of liability or as a waiver of any rights afforded to Advance America, Cash Advance Centers of California, LLC. under any applicable laws, statutes or procedures. Respectfully, [redacted] Liz W[redacted] Compliance Specialist

Dear Ms. [redacted] [redacted] of Ohio, Inc. d/b/a National Cash Advance (“National...

Cash Advance”) is in receipt of the complaint filed by [redacted]. We appreciate the opportunity to respond. In Ohio, National Cash Advance is registered as a Credit Services Organization. National Cash Advance assists customers in gathering information to provide to [redacted] Finance Ohio, LLC (“Lender”), so that the Lender can make a decision whether to issue a loan to the customer. The customer is approved or denied based on the criteria set by the Lender. When a customer is approved, the Lender then funds the loan in the amount identified in the Promissory Note. At 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 Note. In the event the customer defaults, the Lender calls for payment on the guaranty to the extent that it is outstanding. Due 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. [redacted] entered into a Promissory Note with the Lender on December 5, 2014. Pursuant to this Promissory Note, Mr. [redacted] agreed to repay the loan to the Lender in two payments. The first payment, in the amount of $155.78, was due on January 4, 2015. He paid that payment to the Lender as agreed. On January 2, 2015, Mr. [redacted] made an additional cash payment of $44.22. Mr. [redacted]’s second payment, in the amount of $1,150.62, was due on February 3, 2015. On February 3, 2015, he made a cash payment of $250.00. When Mr. [redacted] failed to make any further payments, his obligation to repay was transferred to National Cash Advance as outlined above. As of the date of this letter, Mr. [redacted] has a remaining past due balance with National Cash Advance in the amount of $861.05. Mr. [redacted] states that, on February 3, 2015, he requested an extension to repay his loan. National Cash Advance cannot offer an extension on behalf of the Lender, but Mr. [redacted] was eligible for a refinance. When Mr. [redacted] entered the National Cash Advance center on February 3, 2015, the customer service representative attempted to explain Mr. [redacted]’s options. Mr. [redacted] became visibly upset and he stated that he did not have the 5% buydown amount required to refinance a title loan. He then threw $250.00 at her and left the center. The $250.00 was applied to his account. National Cash Advance strives to offer excellent customer satisfaction. Part of this excellent customer satisfaction means working with customers to make mutually agreeable payment arrangements. Mr. [redacted] may contact his local National Cash Advance center at ([redacted]) [redacted], 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 [redacted] of Ohio, Inc. or [redacted] Finance Ohio, LLC under any applicable laws, statutes or procedures. Respectfully, [redacted] [redacted] [redacted] Compliance Specialist