Consumer complaint received 2022-06-03
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE : NEW INFORMATION. 

I would like to put this on the record in the event this becomes a legal matter in Federal Court.

I am a Consumer a natural living man pursuant to 15 USC 1692a ( 3 ).

I am the ORIGINAL CREDITOR the ORIGINATOR Pursuant to 15 USC 1692a ( 4 ).

I would like to clarify and put ADVANCE AMERICA and its representative/agents on NOTICE for FRAUD or FRAUDULENT activities or deceptive and misleading business practices and could result in Legal Actions under title 18 and other Federal Laws. 

ADVANCE AMERICA is in violation for failure to provide or produce an AUTHENTICATED RECORD OF ACCOUNT as requested and required under law to provide or produce for ANY claim. Any FALSE CLAIM may result in legal actions under the False Claim Act pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) and 18 USC 286- Whoever enters into any agreement, combination, or conspiracy to defraud the United States XXXX or any department or agency thereof, by obtaining or aiding to obtain the payment or allowance of any false, fictitious or fraudulent claim, shall be fined under this title or imprisoned not more than ten years, or both. 

On XX/XX/22 a dispute was conducted for proof of claim by producing or providing to consumer an AUTHENTICATED RECORD OF ACCOUNTING. 

On XX/XX/22 ADVANCE AMERICA responded with NO PROOF or DOCUMENTARY EVIDENCE or an AUTHENTICATED RECORD OF ACCOUNTING. 

ADVANCE AMERICA failure to respond within 30days is a violation under law. However, with good faith an extra 10 days was given so that ADVANCE AMERICA in good Faith would produce or provide my request for an AUTHENTICATED RECORD OF ACCOUNT to prove their claim. ADVANCE AMERICA responded in 84 days and still did not provide or produce ANY documentary Evidence of ANY AUTHENTICATED RECORD OF ACCOUNT regarding claim against consumer. 

For the record A response was given by ADVANCE AMERICA on XX/XX/22 with NO NAME or representative on the note or letter. Please provide me with a NAME of the person who responded back to me on XX/XX/22 so that I can hold that agent or representative of ADVANCE AMERICA liable in the event this goes to Federal Court for violating my consumer rights.

I am demanding ADVANCE AMERICA to zero out this account and remove my personal and private information from ANY and ALL 3rd party affiliate companies such as XXXX XXXX XXXX. ADVANCE AMERICA is in violation under federal laws pursuant to 15 USC 168g ( 11 ) Transferring my identification or financial information or my information has been used or transferred ( or has been alleged to have been used or transferred ) without my authority or consent of the consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. 

If this is not resolved within ( Ten ) 10 days, I will be holding the President, Vice President, and Chief Financial Officer liable for defamation, Harassment, mental anguish and punitive damages in Federal Court.

Company response to consumer: Closed with explanation