Total CFPB complaints
448
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 448 complaints
Advance America, Cash Advance Centers, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Advance America, Cash Advance Centers, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
71 complaints
- Communication tactics
Communication tactics
68 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
63 complaints
- Written notification about debt 16
Written notification about debt
16 complaints
- Took or threatened to take negative or legal action 16
Took or threatened to take negative or legal action
16 complaints
- Cont'd attempts collect debt not owed 14
Cont'd attempts collect debt not owed
14 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Advance America, Cash Advance Centers, Inc.?
Advance America, Cash Advance Centers, Inc. has accumulated 448 total CFPB complaints across 37 states, with 34 filed in the most recent 12 months against 414 historical complaints before that window. The trailing-12-month volume represents 7.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 8% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 37 states, led by California with 93 and Texas with 59, which matches a multi-state collection footprint rather than a regional operation. 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, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
34
7.6% of total history
Stable →
States active
37
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How Advance America, Cash Advance Centers, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 16.4%
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?
Advance America, Cash … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Communication tactics68 (%)
Taking/threatening an illegal action63 (%)
Attempts to collect debt not owed71 (%)
Written notification about debt16 (%)
Took or threatened to take negative or legal action16 (%)
Cont'd attempts collect debt not owed14 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 51 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 42 |
| Attempts to collect debt not owed | Debt was result of identity theft | 37 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 21 |
| Attempts to collect debt not owed | Debt is not yours | 20 |
| Communication tactics | Threatened to take legal action | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 16 |
| Attempts to collect debt not owed | Debt was paid | 14 |
| Cont'd attempts collect debt not owed | Debt was paid | 14 |
Where do complaints against Advance America, Cash Advance Centers, Inc. come from?
The states where consumers have filed the most CFPB complaints against Advance America, Cash Advance Centers, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Advance America, Cash Advance Centers, Inc.
Across 37 states with at least one filing
- California
California
93 complaints
- Texas
Texas
59 complaints
- Florida 33
Florida
33 complaints
- Ohio 31
Ohio
31 complaints
- Tennessee 22
Tennessee
22 complaints
- South Carolina 22
South Carolina
22 complaints
- Michigan 22
Michigan
22 complaints
- Alabama 19
Alabama
19 complaints
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 448 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. have been stable. The company received 34 complaints in the last 12 months.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (93 complaints).
What can I do if Advance America, Cash Advance Centers, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Advance America, Cash Advance Centers, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |