Debt collection
Advance America, Cash Advance Centers: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 28
- Closed with money back
- 0
- 2023 to 2025
- 15 to 5
Advance America, Cash Advance Centers received 321 complaints from everyone in the window; 28 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 28 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 15 in 2023 to 5 in 2025.
What the complaints are about
By product
| Debt collection | 8 |
| Payday loan, title loan, personal loan, or advance loan | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
By issue
| Attempts to collect debt not owed | 5 |
| Problem with the payoff process at the end of the loan | 3 |
| Struggling to pay your loan | 3 |
| Improper use of your report | 2 |
| Incorrect information on your report | 2 |
| 2023: 15 | 2024: 8 | 2025: 5 |
Which accounts, specifically
| Payday loan | 10 |
| Payday loan debt | 6 |
| Credit reporting | 6 |
| Personal line of credit | 3 |
| I do not know | 3 |
What went wrong, specifically
| Debt was result of identity theft | 3 |
| Debt was paid | 2 |
| Reporting company used your report improperly | 2 |
| Debt is not yours | 2 |
| Old information reappears or never goes away | 2 |
Busiest month: March 2023, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (7), TN (6), AL (2) , then FL, AE, AZ.
How Advance America, Cash Advance Centers answered
| Closed with explanation | 28 |
Advance America, Cash Advance Centers responded within the CFPB's 15-day window on 93% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. TN, 2024-08-02. Outcome: Closed with explanation. Complaint 9691443
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Credit reporting or other personal consumer reports; Incorrect information on your report. TX, 2024-07-09. Outcome: Closed with explanation. Complaint 9463323
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. IN, 2024-06-07. Outcome: Closed with explanation. Complaint 9202414
If this is your problem at Advance America, Cash Advance Centers
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Adler Wallach & Associates 28 servicemember complaints; 0 with money back
- Gurstel Law Firm, P.c. 28 servicemember complaints; 0 with money back
- Omega Rms 28 servicemember complaints; 0 with money back
- Sentry Credit 28 servicemember complaints; 0 with money back
- Healthcare Finance Direct 29 servicemember complaints; 1 with money back
Next in the directory by volume: Morgan Stanley &.
Frequently asked questions
How many complaints did servicemembers file against Advance America, Cash Advance Centers?
28 complaints tagged servicemember were received by the CFPB about Advance America, Cash Advance Centers, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 15 in 2023 to 5 in 2025.
What do servicemembers complain about most at Advance America, Cash Advance Centers?
Debt collection accounts for 8 of the 28 complaints, and the most common issue is "Attempts to collect debt not owed" (5). Next: "Problem with the payoff process at the end of the loan" (3).
Does Advance America, Cash Advance Centers give money back when a servicemember complains?
0 of the 28 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 28 closed with an explanation only. Advance America, Cash Advance Centers answered 93% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.