Complaints

• Initial Complaint

  01/21/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been making bi-weekly payments for many months on a flex loan where you can borrow back as needed. My complaint is this company never puts any money toward the principal of the loan even though I am paying over $600 per month on a $2500 dollar loan. The amount owed has remained the same or continues to get higher. I believe this is what is called a predatory loan and I want it fixed asap!

  Business response

  01/25/2025

  The Company has reviewed this account and while Mr. ******* entered into the Revolving Loan Disclosure and Account Agreement and there have been many draws on the account over the history of the account the Company is willing to discuss future payment arrangements.  Please contact our office at ************.

• Initial Complaint

  01/09/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ******************************* ACCT #: ********* ***. $7,397.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business response

  12/13/2024

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance.
  Call ************ or email *************************************

  Business response

  01/07/2025

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance. Call ************ or email *************************************

  Business response

  01/25/2025

  Account has been sold and transferred to a new entity. Please contact ******************* for additional assistance. Call ************ or email *************************************

• Initial Complaint

  12/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have attempted contacting Advance Financial about updating my banking information on my account. However, every time I attempt to call the numbers given to me, I am put on hold and then disconnected right before I can speak to an agent. I have attempted emailing **************** and been told to....just try calling again, despite my attempts to tell them I cannot even reach an agent over the phone. I just want to update my banking information on my account, I shouldn't have to go through this for so simple a request.

  Business response

  01/07/2025

  The Company is in receipt of this complaint and has reviewed the account.  If calling does not work well for you please feel free to visit one of our retail locations.  Or you can reach us at ************ to make this update.  

• Initial Complaint

  12/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been on the receiving end of someone having my information and continually attempting to open credit in my name. Whoever has my information keeps applying to this company for credit, even though I have spoken to them on several occasions about what is going on with my credit. They took my name out of their system and told me they would flag my account and not let this continue to happen. It's now happening every day and this company keeps letting people put in for loans with my information even though I have continually called them and told them I will NEVER need their services. All I ask from them is that if credit is applied for in my name, to just kick it out and this does not happen. One of these days these people are going to have a loan go through in my name. All I am asking is for them not to accept a credit request in my name and they won't do it. The emails come daily and I'm tired of it.

  Business response

  12/23/2024

  The Company is in receipt of this complaint and have removed the email address and contact informaton on this profile along with blocking it for Identity Verification.  

• Initial Complaint

  12/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Took out a loan in desperation and I am being gouged by their fees. I **** borrowed close to $1000 and paid slight over that amount however I still owe another $1000. I have no issue repaying what I borrowed from you plus some interest. However right now my minimum monthly payments are like $300 and when I pay that almost none of it goes to principal , it all goes to interest!!! I will not have this loan paid off for like 20 years. I am asking that you guys work with me on a reasonable repayment plan, I literally cannot afford to pay you $300 per month without my balance decreasing. Your actions are extremely predatory. I have already contacted your company with these concerns and was told that nothing could be done. Therefore to not ask me contact you again unless you are able to tell me something other than it is what it is.

  Business response

  12/30/2024

  Advance Financial 24/7 has received is in receipt of the complaint filed by the consumer with the
  Better Business Bureau.
  Given the nature of the consumer complaint, please be advised that privacy regulations prohibit
  us from disclosing confidential consumer information third parties without a specific, written
  authorization. We do not have a signed authorization from the consumer who filed this
  complaint and therefore are unable to respond directly to BBB regarding certain concerns.
  Please note that it is our usual practice to reach out to the consumer at issue in an effort to
  resolve BBB concerns. Accordingly, this matter was forwarded to the appropriate representative
  for review and resolution.
  Advance Financial invests heavily in maintaining consumer relations and considers consumer
  satisfaction a high priority.

• Initial Complaint

  12/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ******************************* ACCT #: ************ ***. $4,812.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business response

  12/17/2024

  We are in receipt of this complaint and have worked with Bounce to ratify and the details provided by Ms. ******* have been provided to Bounce.  Please see the attached agreement also provided from Bounce. Please feel free to contact ***************, *************************************************, *****************, ************ to make payment arrangements.
  
  

• Initial Complaint

  12/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a line of credit. They are to withdraw a payment Bi-weekly. A payment was withdrawn on 11/29/24. However, without notifying me, they withdrew another payment on 12/6:24 in between paydays. This has caused an overdraft on my account. I have attempted to reach them by phone multiple times. It will say you have a wait time of 5 minutes and when the 5 minutes is up the call will disconnect. Every single time.

  Business response

  12/23/2024

  The Company is in receipt of this complaint and have reviewed the account.  The account is currently enrolled in convenience pay, withdrawing payments on your due date.  If you'd like to unenroll please do so on the online customer portal.  This account is, currently, 108 days past due.  Please contact our ******************** at ************ to discuss getting the account current.

• Initial Complaint

  11/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I unfortunately needed a loan to help pay bills due to financial hardship. I paid all my payments on time so far, especially because it was automatic taken out of my account. I decided to do a debit consolidation and put a stop payment on Advanced Financial. They then changed their name to Advance Financia and took it out. I put another stop payment and AGAIN they changed their name to Advance Ficia AutoPay. Im going to have to do another stop payment!! How is it legal?? I signed the loan to Advanced Financial, not those other names. I also sent them an email declining any further arch payments to be taken out and informed them that the ***** consolidation company will be contacting them in the coming week. This company is ridiculous!!!

  Business response

  12/05/2024

  The Company is in receipt of this complaint and have reviewed the account.  We have confirmed the most recent ACH draft attempt was on 11/27/2024 and returned by the customer's bank on 12/4/2024 due to stop payment.  Oftentimes, prior to returning the payment back to a company, the bank will attempt to process multiple times.  This is a bank procedure and has nothing to do with Advance Financial.  Ms. ****** contacted our office on 12/2/2024, via email, requesting to ***********  This was submitted on behalf of the customer.  There have been no additional ACH drafts.  All future payments will need to be made by the customer as the Company has not been contacted by a debt consolidation company on behalf of *****************  

  Customer response

  12/06/2024

   
  Complaint: 22622138
  
  I am rejecting this response because:
  This was not multiple attempts by the bank. I spoke to them. The multiple attempts were made buy the company and they kept changing their name. The bank was even surprised by this. 
  Sincerely,
  
  **** ******

  Business response

  12/13/2024

  An EFT revoke has been processed on this account.  All future payments will need to be made manually by Ms. *******

• Initial Complaint

  11/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I took out a loan with this company to help with a car repair. Once I realized that I was going to be unable to make the first payment I immediately reached to find a solution to no avail. Due to the fees associated with the loan Ive fallen severely behind despite my many attempts to reach some form of settlement. Ive spoken to multiple representatives and no one has been able to help and they all give conflicting information.

  Business response

  12/09/2024

  Advance Financial 24/7 is in receipt of the complaint filed by the customer with the Better
  Business Bureau.
  Advance Financial is an authorized servicer of the lender, CC Flow, a division of Capital
  ************** (******). ****** is a Utah state-chartered bank with the **** as its
  primary federal banking regulator. CC Flows line of credit product is an open-end credit
  product, which means that repayment of the total balance on the account will fluctuate based on
  a customers individual use. As an open-end credit product, this is not a fixed term loan;
  traditional interest does not accrue, and scheduled payment amounts will vary depending on the
  amount of principal outstanding on the account during a given billing cycle.
  Given the nature of the consumers allegations, please be advised privacy regulations prohibit us
  from disclosing confidential consumer information to third parties without a specific, written
  authorization. We do not have a signed authorization from the consumer who filed this
  complaint and therefore are unable to respond directly to BBB regarding her concerns.
  Nevertheless, it is our usual practice to reach out to the consumer at issue in an effort to resolve
  BBB concerns. Accordingly, this matter will be forwarded to the appropriate representative for
  review and resolution.
  We appreciate this matter being brought to our attention. Advance Financial invests heavily in
  maintaining consumer relations and considers consumer satisfaction a high priority.

  Customer response

  12/09/2024

   
  Complaint: 22619515
  
  I am rejecting this response because:

  As of today since the filing of the complaint, I have yet to hear back from a representative to resolve this matter. One individual contacted me to notify me that they received my phone request and to date they have not followed back up with me regarding my account. It appears this company is intentionally not making contact to further report damaging information to the credit bureaus despite every effort made on my part to remedy this issue.

  
  Sincerely,
  
  Leteya *****

  Business response

  12/13/2024

  The Company has attempted to contact Ms. ***** on three occassions - 12/10/24 @ 1031am, 12/10/24 @ 116pm and 12/11/24 @507pm with no avail.  Ms. ***** can contact our office at ************

  Customer response

  12/13/2024

  I just wanted to offer a follow up to this complaint. As of today, December 13, 2024, I have been passed around from representative to representative in search of *** ***** who instructed the representatives to transfer the call to her should I call in. The handling of this account and the lack of support in reaching a resolution is profoundly disappointing. This experience has been frustrating and unacceptable, especially considering the standards of services one would expect from the company. Failure to address this issue timely has left me with damages that will be difficult to repair in the future.

• Initial Complaint

  11/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  I just bought a house. When my lender pulled my credit, there was a collection for over 6k on my credit by "Plaza services" original creditor "Advance Financial". I have not applied for any type in years. I tried calling them to ask why this was, Plaza hung up on me. I don't really know what kind of loan it is, I think it's a payday loan. I'm 100% disabled veteran and recently found out my information was listed on the dark Internet multiple times. I filed a *** report as well, this is horrifying a company claims I have a loan with them without verifying it was me. It indicated it was opened in December of 2023. I receive full disability from the ** and work full time with a combined income over 170k, my bills total less than 2k monthly. Explain why I would need this? There's also a second "payday" loan handled by Plaza who also hung up on me. This "advanced financial" needs to get their act together and check the dark Internet, maybe see a person before saying they have a loan. This ONLY showed on my reports when I applied for the mortgage. I am in the process of filing a lawsuit now against Plaza and Advanced financial. I'm addition, I have a "verify identity" before extending credit by telephone on every credit report.

  Business response

  12/06/2024

  Advance Financial 24/7 has received is in receipt of the complaint filed by the consumer with the
  Better Business Bureau.
  Given the nature of the consumer complaint, please be advised that privacy regulations prohibit
  us from disclosing confidential consumer information third parties without a specific, written
  authorization. We do not have a signed authorization from the consumer who filed this
  complaint and therefore are unable to respond directly to BBB regarding certain concerns.
  Please note that it is our usual practice to reach out to the consumer at issue in an effort to
  resolve BBB concerns. Accordingly, this matter was forwarded to the appropriate representative
  for review and resolution.
  Advance Financial invests heavily in maintaining consumer relations and considers consumer
  satisfaction a high priority.

  Customer response

  12/09/2024

   
  Complaint: 22617522
  
  I submitted a *** complaint. If you have my information then you would have been able to discuss it with the better business bureau! 

  When I called to find out Why you reported that I borrowed money from you, you hung up on me. I'm not sure why you would do it to 100% disabled veteran, But you need to delete the account or have someone that's not going to hang up on me provide me a phone number. 
  
  Sincerely,
  
  ******* ******

  Business response

  12/13/2024

  Please contact our office at ************ to further discuss details of the account and to address your concerns.  

  Customer response

  12/26/2024

  I replied i was not satisfied with their response. I called them the times to let them know someone stole my identity and took out "payday" loans. Every time, I was met with yelling and disparaging remarks. I am a 100% disabled veteran who will not sacrifice my integrity by responding in kind. Somehow, I feel as if someone at that business maybe responsible. I called about 1 from Feb 2022 a few months ago, mysteriously another payday loan was taken out on September 2024, immediately after I called about the first one. 

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩