Consumer complaint received 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MN

Complaint narrative:
apply for a PayDay Loan with Advance America on XX/XX/XXXX in XXXX XXXX WI. 
The amount was for {$1500.00}. I worked with XXXX XXXX. She toke the application. On the application there was a stop about bankruptcy I mark yes. I didn't think about it until I was reading on the internet and in a Law book that if you are in bankruptcy you are not to apple for a loan. I called them right alway about this. I talked to XXXX, she looked at the application and yes we check the box. She told us that we should not received the loan. At that time I asked if she would stop the ACH. She said to come in to sign the paper to stop it. We talked to her about what will happen now. She told us if we could pay {$50.00} or {$100.00} dollars on the loan. That after 3 months they would call us and work out something with us. The XXXX   payment the let go. But in XXXX we got a call from XXXX about the payment of {$330.00} that they would be taking it out of check account tomorrow. I say oh know you won't that we stop the ACH. She said she had to check on something and would call back. Later in the afternoon she did call back and said they would not be do that. 2 weeks later in XXXX we get a call again from both XXXX and XXXX. Two days apart. Went thru the whole process again with taking out the loan out of check again. This time my wife talked to them and she was just so upset with this calling all the time. She did tell them that it was getting to be harassment when the call so many times. My wife called the home off in South Caroline and filed a complaint with them. We received a call from a XXXX don't know her last night. She is the person that covers the WI area that this office is in. Talk to her about the loan and about XXXX hanging up on me. Which she should have I was a really XXXX  to Her. After talking to her for a while she said that on XX/XX/XXXX and XX/XX/XXXX they have payments for us and On XX/XX/XXXX. She said the they are refunding us the {$960.00} and then we will have to return the money to them. Will we never paid them on either day. Plus we stop the ACH. We were told that the money with be in our account the next day. Call XXXX back two days later to fine out about the money and she said it was on the way. I knew she was not telling us the truth. When I talked to her again. Now this time she said that on XX/XX/XXXX they pulled out money from our checking account. An it looks like the stop it. 
I talk to our bank. There has been nothing coming out or try to take money from our account. Now the story chance again. Now I get calls every week to see when we can start paying them back or make some kind of arrangement to pay. My whole thing is they gave us the loan when on the application it said we have a bankruptcy. Also I don't like it when you give me a story : like they have been. Please help My wife is not on this loan but I put her down as Additional Account Holder she know alot about this.

Company response to consumer: Closed with explanation