Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
Consumer : By '' :, ( XXXX XXXX ), Agent Application ID : XXXX Product : {$2500.00} Line of Credit Original Application Date : XX/XX/year> Prior Written Notice : Request for Reconsideration and Statutory Explanation Delivered : XX/XX/year> This complaint is submitted to the Consumer Financial Protection Bureau regarding XXXX XXXX failure to respond, denial of due process, and noncompliance with federal credit disclosure requirements, which is causing me ongoing financial harm. 
Advance America has failed to provide a legally sufficient adverse action explanation after receiving my timely written request for reconsideration and statutory disclosure. Despite confirmed delivery on XX/XX/year>, Advance America has remained silent and unresponsive. 
This complaint also serves as a XXXX opportunity to cure these violations. 
Advance America is in default of its federal obligations under the Equal Credit Opportunity Act and Regulation XXXX. 
As of the date of this complaint, Advance America has failed to provide : A complete, specific, and factual explanation of the precise reasons for denying my application, as required by - XXXX U.S.C. XXXX ( d ) ( ECOA ) - XXXX C.F.R. XXXX ( Regulation B ) Identification of the actual decision-maker, including department and title, involved in the adverse action determination. 
A clear disclosure of the specific information relied upon in making the credit decision. 
The vague and generalized statements previously referenced ( e.g., income or credit score ) do not satisfy federal requirements. Creditors must provide specific, accurate, and identifiable reasons, not broad or conclusory categories. 
XXXX XXXX  failure to respond to my written notice constitutes a denial of due process and a failure to act in good faith. 
This matter has been pending since XX/XX/year>, with no lawful response, no explanation, and no correspondence, despite the statutory obligation to do so. 
The lack of response is financially harmful, as it prevents me from : XXXX. Correcting or addressing the alleged basis for denial XXXX. Utilizing my submitted application and supporting information XXXX. Proceeding with lawful consumer credit options Upon submission of my application, it is my understanding that Advance America utilizes third-party or affiliated banking institutions to evaluate, process, and fund consumer credit transactions. 
Advance America has failed to demonstrate that my application was : XXXX. Properly reviewed XXXX. Lawfully evaluated XXXX. Handled in accordance with federal consumer credit regulations I have a lawful interest and equity in the application I submitted and the information provided therein. XXXX XXXX  refusal to proceed, explain, or correspond prevents me from benefiting from my application and causes continued financial harm. 
Advance America is hereby provided XXXX hours from receipt of this CFPB complaint to cure the violations by : Providing a fully compliant adverse action notice that satisfies XXXX U.S.C. XXXX ( d ) and XXXX C.F.R. XXXX, including : XXXX. Specific reasons for denial XXXX. Identification of the decision-maker XXXX. The exact information relied upon OR Reopening and proceeding with the application in good faith, including lawful correspondence and documentation. 
This complaint is submitted in good faith to document violations, preserve my rights, and seek regulatory intervention. I reserve all rights to pursue statutory remedies and other relief available under law if these violations are not cured.

Company response to consumer: Closed with explanation