Consumer complaint received 2017-05-15
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Advance America ; license number   XXXX   XXXX   ; Store location   XXXX   : I write, because CFPB is in a position to protect consumers from fraud and abuse. As an average American, we ca n't defend ourselves against the abusive practices that many big companies get away with.
_________ I spoke with Advance America 's loan manager  XXXX , on   XXXX   XXXX   XXXX   and he was able to protect Advance America 's interest by admission and correction of mistakes made by   XXXX   at   XXXX   XXXX   CA, in regard to the installment loan taken out on   XXXX  , contract loan ID  XXXX . The new contract with corrections is  XXXX  dated  XX/XX/XXXX . However, customer has yet to reconcile on other issues of suspected fraud and abuse. Manager lying to customer, withholding information in regard to loan disclosure ( lack of transparency ) and personal rights, human rights and discrimination violations. These additional corrections are possibly out of the hands of   XXXX   XXXX   control or ability to correct. Possibly some issues are for CFPB and also for Advance America Corporate to fix. Customer asks for reconciliation and compensation as stated herein.
________ 1. Customer seeks a written apology from the manager  XXXX , at Advance America in   XXXX   XXXX  , CA, and reimbursement of food costs that he felt forced and coerced to provide ; afraid he would not be allowed proper customer service or a loan. Sometimes customer would give her an additional {$5.00} for lunch from his payday loan cash, which {$45.00} in interest had already been deducted from. Leaving him with {$250.00} on the {$300.00} loan. She accepted the money in replacement of a meal. When she asked where is my food, I would sometimes tell her I do n't have time to go get you food today but you can go get a   XXXX   XXXX   XXXX   pizza for {$5.00} and feed the whole office.
________ 2. Customer deserves a written apology due to each past payday loan, when manager ignores customer requests for securing payday loans taken out in the past approximate two years ; not offering and when mentioned, ignoring him and not allowing customer to secure the loans by a written check ; which past two Advance America 's did do. In other words, she violated the law each and every time a payday loan was taken out, by applying ACH to all those loans, regardless of the customers requests not to do it that way. Company should be fined.
_________ Customer is a long time faithful customer since about  XXXX , starting out at the  XXXX  and  XXXX ,   XXXX   CA store. Always on time. Those stores of past always insisted on a written check for security. This is why he knows there is something wrong with management at   XXXX   XXXX   CA, Advance America.
_________ 3. Customer demands written apology for discrimination by  XXXX , when she took a snap photo with her phone app, and dressed him like a woman and shared it with  XXXX  and laughed at him. Making customer feel discriminated against because that is what they thought about him.
_________ 4. Customer deserves an additional written apology from   XXXX   for  XXXX  shorting him {$10.00} cash upon a {$960.00} payment.   XXXX   applied {$950.00} on   XXXX   XXXX   XXXX  , to the installment loan. Had customer not caught it, then then  XXXX  and  XXXX  would have had {$10.00} extra for themselves. Causing customer to suspect extortion and/or, fraud because of the way he has been looked upon, made fun of, manipulated and mistreated previously by manager  XXXX  in the presence of   XXXX    ; including asking for food and accepting cash instead, for lunch when customer had no time to go get   XXXX   food ; and by  XXXX  allowing  XXXX  to assign a higher interest loan prior to that payment, then snickering about it, immediately after and then dragging   XXXX   away, outdoors quickly after the check and contract was handed to customer, etc..
This causes customer to be more suspect than ever, because he feels   XXXX   is teaching  XXXX  these bad habits. These two started treating customer differently over the past few months prior. Showing bad attitude and rejection, after customer made a large payment at another AA on a previous installment loan when it was not accepted by  XXXX . Customer was also forced to take out a payday loan at another AA when  XXXX  insisted customers bank account was closed ; causing customer stress and worry and it turned out to be a lie. These are the games customer has been putting up with.
Even after that, manager   XXXX   refused customers new statement of proof of active bank account, when he took it in to prove it was not closed. And, manager   XXXX   locks  XXXX  out of taking payments or giving loans while manager goes on break so, only  XXXX  ( the less experienced and poorly groomed clerk ) could access computer for processing payments and loans. Customer would have preferred  XXXX , because of the way he was being treated by  XXXX  and  XXXX , and  XXXX  is the one with more experience, she is careful, mature and  XXXX  has not treated customer with disrespect or tricks.  XXXX  does not ask for food or mistreat customer.
__________ Customer holds Advance America and it 's manager  XXXX , at   XXXX   XXXX   CA, responsible for these violations of laws, abuses and discrepancies. He knows that she absolutely deceived him by withholding important information and lied to him besides that about refinancing, and had become abusive in different ways as mentioned herein and evasive and unhelpful about issues and requests at times.
___________ Advance America Complaints, has received three previous letters from customer concerning these human rights, personal rights, discrimination, loan law violations, abuses ; coercion, mistreatment, deceptions, possible fraud, withholding information, mistakes, unnecessary delays, rude treatment, gouging, manipulation of loan policy, not allowing a physical check as security, evasiveness, failure of disclosure and transparency, lying, extorting for food and delivery or, payment for food, etc.. These actions indicate probable hidden agenda. The actions are for sure unscrupulous and unlawful activity ; predatory in nature and practice. They are violations of loan and overall human rights, personal rights and public business practice.
___________ Advance America is hereby notified that customer demands reconciliation and compensation in regard to violations mentioned herein.
According to law, plaintiff ( customer or consumer ) must inform Advance America and it 's manager in writing, that he will not be held responsible for any attorney fees, court cost, or any other fees involved in this dispute ; however, if Advance America and/or, it 's employee ( s ) wish to pursue this matter further in a court of law, they will be responsible for reimbursing plaintiff for all attorney fees, court costs, travel, lodging, food, time, and any other fees associated with the plaintiffs pursuit of reconciliation and/or, compensation ; in addition to any compensation that may be awarded.
Therefore, it is in Advance America 's best interest to work with the fair and willing, long time customer for a solution, and not against him.
Advance America is hereby notified that plaintiff has now tried to do everything in his own power to reconcile these remaining issues in fairness and with patience, good will and courtesy to all involved.
In order to reconcile, customer demands that within 30 days from the notification of this letter, Advance America demand that manager  XXXX  at the   XXXX   XXXX   CA, store apologize and admit to all the wrongdoing listed herein " in writing '' and suggest her plan and Advance America 's plan of compensation and reconciliation due to the serious nature of extortion/coercion by request or expectation of favors which cost the customer time and additional funds, and causing unnecessary stress, worry and actions ; including traveling to another Advance America, 68 miles away due to her complacency and other inhumane actions. This request for compensation and reconciliation is to set a precedent for all future Advance America customers and for any possible past ones, who may have fallen victim to the abuses ; due to the severity ; the nature of abuses carried out over a long period of time in various ways.
_________ Customer can not trust his local Advance America store manager at this current time.
This issue of reconciliation and compensation request is between the customer and Advance America,   XXXX   XXXX    CA, and it 's manager  XXXX , at this current time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation