This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 462 complaints

Advance America, Cash Advance Centers, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Complaints by issue type

What consumers report about Advance America, Cash Advance Centers, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 59.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Advance America, Cash Advance Centers, Inc. ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 462 all-time complaints and a 97% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
462
CFPB complaints, all-time
97%
answered inside the CFPB window
42
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Advance America, Cash Advance Centers, Inc.?

Advance America, Cash Advance Centers, Inc. has accumulated 462 total CFPB complaints across 37 states, with 42 filed in the most recent 12 months against 420 historical complaints before that window. The trailing-12-month volume represents 9.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 97% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by California with 94 and Texas with 61. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Advance America, Cash Advance Centers, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

462

mid-volume (CCDB)

Last 12 months

42

9.1% of all-time complaints

Falling ↓

States active

37

multi-region footprint

Timely response rate

97%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

D

59.1/100 composite

How does Advance America, Cash Advance Centers, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Advance America, Cash Advance Centers, Inc. versus the debt-collection vertical average.

Timely response within SLA 97.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 8.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 66.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Advance America, Cash Advance Centers, Inc. compare to its peers?

How does Advance America, Cash Advance Centers, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Advance America, Cash … National average
Complaints (last 12 mo)lower is better
42
103
268
Timely-response ratehigher is better
97%
70%
91%
Consumer-dispute ratelower is better
8%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 106
Attempts to collect debt not owed - 84
Taking/threatening an illegal action - 67
Took or threatened to take negative or legal action - 52
Improper contact or sharing of info - 35
False statements or representation - 34
Written notification about debt - 29
Cont'd attempts collect debt not owed - 22
Disclosure verification of debt - 13
Threatened to contact someone or share information improperly - 13

Where do complaints against Advance America, Cash Advance Centers, Inc. come from?

Advance America, Cash Advance Centers, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Advance America, Cash Advance Centers, Inc.

Across 37 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Advance America, Cash Advance Centers, Inc. contacts you

A grade of D signals how Advance America, Cash Advance Centers, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Advance America, Cash Advance Centers, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Advance America, Cash Advance Centers, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Advance America, Cash Advance Centers, Inc.? ▼

The most common issue consumers report about Advance America, Cash Advance Centers, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 462 complaints filed with the CFPB.

Are complaints against Advance America, Cash Advance Centers, Inc. increasing or decreasing? ▼

Complaints against Advance America, Cash Advance Centers, Inc. are falling. The company received 42 complaints in the last 12 months, showing improvement over prior periods.

What is Advance America, Cash Advance Centers, Inc.'s reputation grade? ▼

Advance America, Cash Advance Centers, Inc. has a reputation grade of D (score: 59.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Advance America, Cash Advance Centers, Inc. respond to consumer complaints? ▼

Advance America, Cash Advance Centers, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does Advance America, Cash Advance Centers, Inc. operate? ▼

Advance America, Cash Advance Centers, Inc. has received CFPB complaints from consumers in 37 states, with the most complaints from California (94 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.