Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Probate Advance Holdco, LLC
State: NY

Complaint narrative:
This is a supplemental complaint regarding Probate Advance LLC. Their conduct has escalated since my first filing, resulting in severe financial, contractual, and consumer-protection violations. 

SUMMARY OF MISCONDUCT Probate Advance engaged in the following unlawful and deceptive practices : 1. Retaliation after I filed complaints with the NY Attorney General and CFPB. 
They told me directly over email and phone that I would not be paid unless I withdrew my AG complaint. 
Staff members XXXX and XXXX repeatedly pressured me to retract my complaint in exchange for release of my funds. 
2. Unilateral modification of my signed contract. 
After I fulfilled all conditions in the XX/XX/XXXX agreement, Probate Advance created multiple revised versions with new terms and requirements I never agreed to. 
These newly added terms directly contradict the original contract. 
3. Bad-faith withholding of {$17000.00} owed to me. 
( When asked could I have a invoice how the XXXX was spent I was told that information wasnt available ) I met every contractual condition. 
Their refusal to release the funds is not based on any legitimate reason. 
4. False statements about estate requirements.

Probate Advance fabricated new requirements that neither the estate attorney nor executor recognized. 
They repeatedly claimed documentation was missing when it had already been submitted.

5. Intentionally stalling payment.

They caused months of delays despite receiving everything required from the estate.

6. Deceptive business practices. 
They sent conflicting contracts. 
They attempted to change the deal after I fulfilled my obligations. 
They coerced me to withdraw complaints as a condition of payment. 

HARM CAUSED BY PROBATE ADVANCE Their misconduct directly caused the following : My XXXX vehicle was repossessed, because funds promised to me were never released. 
My insurance lapsed, generating DMV penalties and triggering a license-suspension warning.

My credit score dropped, and a credit card account was closed. 
I incurred tow fees, storage fees, and lost transportation, preventing work and childcare responsibilities. 
Severe emotional distress, financial instability, and risk of homelessness. 
Outstanding household bills, including utilities, accrued because Probate Advance withheld the funds owed. 

TIMELINE OF KEY EVENTS XX/XX/XXXX Contract signed with Probate Advance. 
XXXX All contractual conditions met by me and confirmed in writing. 
XXXX First NY AG and CFPB complaints filed. 
XXXX Probate Advance demands I withdraw the AG complaint as a condition for getting paid. 
XXXX New contract versions suddenly appear with additional requirements. 
XXXX Insurance lapses DMV fees accumulate daily. 
XXXX XXXX repossesses my vehicle due to nonpayment caused by withheld funds. 
XXXX Additional retaliation and stalling. 


WHAT I AM REQUESTING I request that CFPB : 1. Conduct an investigation into Probate Advances deceptive and retaliatory practices.

2. Order Probate Advance to immediately release the {$17000.00} owed. 
3. Require the company to cease coercive tactics ( forcing consumers to withdraw complaints ).

4. Address their pattern of altering contracts after signature. 
5. Require the company to compensate me for documented financial harm. 

I am prepared to supply all evidence, including : original contract revised contracts recorded calls emails demanding XXXXG complaint withdrawal estate attorney communications DMV suspension notices insurance lapse documentation XXXX repossession records financial hardship documentation

Company response to consumer: Closed with explanation