Advance America Cash Advance Centers [AARC]
reviews and complaints

the.same is.happing to me by these people the number [protected]

The company that they allegedly represent, "Cash Advance America", has the following message when you click on "Contact Us"

IMPORTANT (read before you submit any message):

All phone calls requesting payments are not originating from Cash-Advance-America.com. Any phone call that you receive in the name of our website is not from us.

So this scam has apparently been widespread, and the company does NOT call you to collect a debt. They do not even have a phone number to call them to apply for a loan.

Many of these payday loans are such high interest rates that you can't get them paid off. Companies like this will continue to violate your rights under the Fair Debt Collection Practices Act because it is cheaper to pay you a settlement than give up the profits they make collecting past due debt the way they do. http://www.castlelaw.net/library/cash-america-to-pay-19-million-in-fines-for-robo-sigining-documents.cfm

I have been receiving the strangest calls from people with uncomprehending Indian accents. At first I thought they were telemarketers and ignored the calls as I could not even understand what they were saying on the message. I then received a call at MY JOB! I asked what it was in regards to but they wouldn't tell me! I then returned the call out of curiosity, when another Indian man named "john" said was I violating all these crazy laws and committing fraud regarding a payday loan. I asked for the details and he said he "can't" give them to me, but if I don't pay by 3:00 they would continue with the Affidavit (?) and they would notify my employer of my illegal actions. I tried to get more information out of him on when and how much this loan was for and he said $640.99 but if I paid western union or prepaid card by 3:00 then I could settle for 450.00. I told him there would be no reason why he can't give me the name or number to the alleged cash advance america or dates of loans or anything to that effect then I wasn't paying anything that I would call him later, he got very belligerent with me, threaten me with all kinds of crazy stuff. I am glad I researched this and am a little relieved to find out it's a scam, however I haven't taken out payday advances it caught me off guard so much as I was almost willing to pay the money to avoid furthur issue's. I'm glad I trusted my gut instinct!

Right on, I got a call too, from this flea bag Indian Call Center

Cash America employees in Ohio improperly stamped management’s signature on loan collection affidavits for almost five years without anyone prior review or approval. Don’t these people have morals, how could you go to work everyday knowing you are doing something wrong, the sad thing is this is how many of these companies are run. Caring is not their strong suit. http://www.castlelaw.net/library/cash-america-to-pay-19-million-in-fines-for-robo-sigining-documents.cfm

I received a call from this "Attorney's Office" supposedly representing the company (Cash Advance America). They called from [protected] and left me voice mail stating that their call was urgent and that if I didn't return the call, they wish me the best of luck with the proceedings. I returned the call and got someone by the name of "Ronnie Anderson" on the line who supposedly worked for this lawyers office who was representing the company. They asked if I had an attorney, I told them that I didn't and they said that they could only forward the legal documentation for which I was being charged to my job and to my attorney, but I was not able to be provided a copy of the documents or the charges. They claimed that I took out a loan and when they went to my account to retrieve the funds, the payment were returned. I never took out a loan with this company, in fact this company doesn't even serve the area in which I live. They said that they would settle the debt for 350.00 and provided me with the information that I need to make a payment to them. If I do not make a payment, then they would proceed with the original charges they were going to file against me. Needless to say, I feel victim to this once before, but I will not again. I put my SS# on fraud alert and these ### are not getting a single dime of my money.

I received the same call on 2/22/2011 from [protected], saying my name came up in a fraud investigation with "Cash Advance America" ... These people had my name, address, place of employment and even knew who i banked with. I gave up no information and told them that i wasn't the right person they were looking for. I notified the police in my area and they told me that i wasn't the only one that received that call. Numerous people have received the same call and that it was a scam. I changed my banking information and put my s.s.# on fraud alert to be on the safe side. I advise everyone to do the same.

I received a call yesterday about these guys too.. saying I took out a payday loan and that when they attempted to collect it it bounced. They claimed to be from a law agency but refused to give a physical address, bar associate number, or even a date of transaction. They called my work and told a random person that I owed them money and was refusing to pay. I called my bank, they researched and found no deposits in the amount they indicated, or any withdraws that resulted in NSFs in over a year. I never even applied for a pay day loan so how they got my info I don't know but they had my SSN, bank information, work information and home information. I put a fraud alert on my SSN with the credit reporting agencies, had all accounts closed and reopened under new numbers, and filed a report with the local police department for threatening me (their voicemail said "You better call us today if you know what's good for you. If you don't, well... good luck"). I talked to the "law firm" [protected]), all thick accents (sounded Indian to me).. they gave me a number to "Cash Advance America" [protected]) and the guy refused to give me any other information. When I asked him for the bank info, he told me to hold on and then called the name of the girl who I was just talking to from the "law firm" as if she was sitting right next to him and I heard her in the background. These guys are fraud... plain and simple. I got a lawyer who is ready to counter sue if they really do try and file.

My brother received the same phone call from # [protected], the so called "officer" refused to give him a address or provide written info, and gave my brother a fax # to fax all of his payment information. He was told if he didnt pay the debt he would be arrested tomorrow. I work in a collection agency and with Insufficient checks and never have i heard of this kind of behavior or process to collect a debt. Please be aware of those who call to collect, always get as much info as you can while you have them on the phone. My brother did say the man calling him had a hard accent, (overseas) in other words.

I have received many APPROVAL E-mails from Cash Advance America for $3000.00 in the last 4 months. I had applied for pay day loans in late December and realized that was a huge error on my part. I have received numerous collection attempts from loans I never took out; harassing e-mails and phone calls. The most recent is from a Rick Martin with Cash Advance America, phone number [protected]. Please do not open the attachments. Unfortunately, there is no opt out of e-mails; the only thing to do is to call and request to be removed from call and mailing list, including reminding them you are will file a complaint with the FTC if they continue.

This is horrible to offer loans on this sites after reading what the customer went through. The company above in the initial statement is now all over the news. The worst part is that they are targeting Military families now. More than 300 military members or their families received high interest loans by Cash America payday loan companies. I would not be the one to mess with these members, they are tough and are not afraid to fight against these horrible employees who shredded information and made harassing calls. http://www.castlelaw.net/library/cash-america-to-pay-19-million-in-fines-for-robo-sigining-documents.cfm

I too have gotten this call...many times. I will admit the first time I got the call I was frazzled. I couldn't believe that I had let a small $500 debt get so out of hand. They claimed i owed them $1187, due to the interest and fees over time since 2009. But the difference was that they told me i had this debt but it had been written off. Why then am i supposed to be paying you? I hung up. They kept calling for weeks...even though initially they were going to be at my door with the police the next day.
Another situation occurred with the same company calling to offer me a loan. They are so dumb! How is it that i supposedly owe you money and you call me back within a week saying you want to give me a loan?! It was a $5000 loan and i apparently needed $240 to secure it. I dont care how you explain it. I am not giving you money to get money. Thats just ###ed!

Just received a call from guy who says his name is Eugene Baker stating my husband took a payday loan in February of this year (2011). He said the original amount was for $300 but with late fees and collection fees the cost is $997 and they were going to file a lawsuit and would cost us $4, 000. He refused to tell me what bank the money was supposedly deposited into. He said the lawfirm he works for was in the Miami, Florida area and the phone number is [protected]. I know for a fact we didn't take a payday loan out in February this year. They had the last 4 digits of my husband's social security number and our address. He said the company name is Cash Advance America. Just like everyone else has posted here, very thick Indian accent that is incredibly hard to understand. I called the number back and it rang twice then went to a fast busy signal. This is the second time they have called our house. I'm going to keep my eyes and ears open. I didn't give them any money, account information, I wouldn't verify anything. If anything comes of it I will post more here, hopefully just like everyone else I'll never hear from them again.

I got a call today for my husband stating that we had taken out a payday loan from CASH ADVANCE AMERICA. I know that we hadnt so I asked the guy when this occured and the amount and he told me that until the papers downloaded and were ready to be served against my husband for the unpaid amount and attorney fees that he could not give me exact details . I kept pressing him for more information when he got pissed off and told me that I was an idiot and to get an attorney. These people have thick Indian accents and are very hard to understand. I immediatly got in the internet and did a search on Cash advance america and found out that many people have been scammed by these people. They had my husbands last four of his SSN and who we back with. When I tried to call the number back that they called me from [protected] it just says "God Bless America' and hangs up. DO NOT GIVE THESE PEOPLE ANY MONEY ITS A SCAM!

I have same thing from this company call America Payment,
this guy have (thick Pakistant accent) call my job and my cell phone, and asked me, He say he is Ralph Stone from the lawyer firm, he got me upset, he say take a loan from this company for $500.00, if i don't paid on time they with charge me attorney fee, process fee, will come up to $810.00 or if they go to court i have to paid $8, 000.00 out of mu pocket. are they crazy, i call my bank about the statement they say their is no deposit of $500.00 in your account and they send me a copy of my statement and they are no figure on my account they are scam people, when u sign up for cash advance they got you, they used your information was on the
form you fill out form for cash advance, please don't sign no cash advance online, there are scam in the systems. They will liar on you say you did sign agree with the money. WHAT OUT FOR SCAM (THICK ACCENT PEOPLE) West Indians or Pakistani. Thank you for listern and reading my comment

On 6/2/2011 at 7:36 PM a message was left on my voice mail: (The caller had a middle-eastern accent – maybe Indian or Pakistani)
“My name is Alex Todd. I am with Brown Law Firm. This message is for Mr. XXX. Mr. XXX, the very first second you receive this message, I want you or your attorney to return my call as soon as possible before we go ahead and download a case against you as (? ) you case paper with us.
And we have one more name on the affidavit which is XXX as your guarantor and she also needs to be present in the court once we download this case. So please do not disregard this message and return my call as soon as possible. Our call back number is [protected]. I will repeat: [protected].
And if we don’t get any response from you then we have to send this court summons at your home address, your work address and your guarantor’s address.
Thank you so much. You take care.”

On 6/3/2011 I called the above number and a man with calling himself Gary Kelso answered. He sounded exactly like Alex Todd. He said he is representing Cash Advance America. He says his client says I took out a $300 payday loan and never repaid it. They tried to use the EFT function and were rejected because my account was closed or had insufficient funds.
Alex (Kelso?) wants to sue me for $7, 682 and issue an arrest warrant. He also threatened me with 7 months and 20 days in jail.
I told him that I never agreed to take a loan from his client. I admit that I did check out the process and enter the information they requested. When they told me what the terms were, I cancelled. I never clicked on the box signifying the electronic signature. He says that they made the $300 deposit into my bank account on May 8, 2011 at 12:11 PM. My bank shows no record of that transaction.
He gave me this Case File number: CF786453243.
He says he will download the summons into the Loudoun County Court on Monday (6/6/2011).
At one point I asked for the address of his law firm and he gave me this:
Brown Law Firm
3055 Wilshire Blvd
Los Angeles, CA 90010
Bairdbrownlaw.com

I went to the website and that information was correct. The phone number on the site is [protected].
I called the number and a very professional sounding person answered. I asked for both Gary Kelso and Alex Todd and was told that he had never heard of either one. I explained why I was asking for them. He asked for the phone number and I gave it to him.

I spoke to an agent in homeland security from their michigan office this is a scam. If you have ever had a payday loan these companies sell your information to college kids in india that are calling from a magic jack number that is why the number continues to change. This is not a real debt the reason they have your info if from the payday loan company that you had a loan with. Also continue to check your credit report because they do have your info and will try and use it. I spoke with a representative from the loan company I did have a loan with and they did verify they sell the info to 3rd parties...wow are you kidding me. Do not pay these guys and yes you can say anything you want back to them I did...they are a joke...and here is the number they called me from [protected]

I got the exact same phone call today. Except my guys name was Ronnie Cooper. He also had a heavy Indian accent.
I am going to change my accounts tomorrow. This guy had way to much of my info. The number he called from was [protected]. Careful everyone there are some weirdos out the threaenting people to pay up.

Well I guess I am not alone, today I receive a phone call from Officer Richmond (with thick Indian accent) with the Financial Crimes Investagtive Divison informing me that Cash Advance of America filed a compliant against me for not paying an $800.00 loan on Nov. 10, 2010. I told me to hold on and check my bank account and told him that I did not receive any monies on that day or 10 days before or after that date and ask him to send me all the details regarding this loan. He also knew where I worked and SS# and said that if I did not resolve this issue he was sending an officer to my house to arrest me. I ask him for his # to call back at and the nuber he gave me was [protected]. I did a reversed seach on the number and got [protected] Type: Land Line Location: Richmond Beach, .WA. Phone carrier is MCIMETRO, ATS, INC. Isnt it funny Officer Richmond lives in Richmond WA. I called ATT and talk to the anonace department about the all numbers I have seen on this page and the one he called me on. I going to try my best to stop this harassment. and hope no one gets taken by this guy.

I recieved a call from the same Alex Dedcosta. about a payday loan that I did not pay on. It is legitimate. The already had my full name social security number and all the references that I had put on my application along with their phone numbers.

I used to work at Advance America in Austin TX. They are not scammers to their customers because everything is fully explained at the beginning. But I refuse to EVER work for that company again. They are nothing but money driven. Their expectations of their managers and assistant managers are outrageous. I was actually told by my supervisor to NOT feel empathy for the customers and to get them in the location on their due date no exceptions. In the end, we could not hold these peoples' hands and walk them through the door...but if they did not show up we got in trouble for it.

Spelling "security" You are the A*%# Now.

AMEN! People need to be held accountable for their actions- "Bring me your poor, your unwashed, your dirty(and from my experience your nasty and smelly) and make them responsible for their actions. INCLUDING TAKING OUT PERSONAL LOANS. Don't borrow if you can't pay back! Especially if your only income is a "securty" check.

we took our money..not yours. all you had to do was call and set up some kind of arrangement to pay back.