Total CFPB complaints
10
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 10 complaints
Makes Cents, Inc. dba Advance.Cash — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Makes Cents, Inc. dba Advance.Cash
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 65.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Makes Cents, Inc. dba Advance.Cash?
Makes Cents, Inc. dba Advance.Cash has accumulated 10 total CFPB complaints across 8 states, with 3 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 30.0% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 8 states, led by California with 2 and South Carolina with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.8/100 places Makes Cents, Inc. dba Advance.Cash in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
30.0% of total history
Stable →
States active
8
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
65.8/100 composite
Response-quality profile
How Makes Cents, Inc. dba Advance.Cash performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Makes Cents, Inc. dba Advance.Cash compare to its peers?
Makes Cents, Inc. dba … 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)
2021-12 2026-02
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Threatened to contact someone or share information improperly2 (%)
Took or threatened to take negative or legal action2 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Makes Cents, Inc. dba Advance.Cash come from?
The states where consumers have filed the most CFPB complaints against Makes Cents, Inc. dba Advance.Cash. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Makes Cents, Inc. dba Advance.Cash
Across 8 states with at least one filing
- California
California
2 complaints
- South Carolina
South Carolina
2 complaints
- Nevada
Nevada
1 complaints
- Missouri
Missouri
1 complaints
- New Jersey
New Jersey
1 complaints
- North Carolina
North Carolina
1 complaints
- Florida
Florida
1 complaints
- Texas
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Makes Cents, Inc. dba Advance.Cash? ▼
The most common issue consumers report about Makes Cents, Inc. dba Advance.Cash is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 10 complaints filed with the CFPB.
Are complaints against Makes Cents, Inc. dba Advance.Cash increasing or decreasing? ▼
Complaints against Makes Cents, Inc. dba Advance.Cash have been stable. The company received 3 complaints in the last 12 months.
What is Makes Cents, Inc. dba Advance.Cash's reputation grade? ▼
Makes Cents, Inc. dba Advance.Cash has a reputation grade of B (score: 65.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Makes Cents, Inc. dba Advance.Cash respond to consumer complaints? ▼
Makes Cents, Inc. dba Advance.Cash has a 100% timely response rate to CFPB complaints.
In how many states does Makes Cents, Inc. dba Advance.Cash operate? ▼
Makes Cents, Inc. dba Advance.Cash has received CFPB complaints from consumers in 8 states, with the most complaints from California (2 complaints).
What can I do if Makes Cents, Inc. dba Advance.Cash 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 Makes Cents, Inc. dba Advance.Cash 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 |