CFPB Consumer Complaint Profile

Advance America, Cash Advance Centers, Inc.

Consumers have filed 1,067 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

1,067
Total complaints
110
Last 12 months
97.5%
Timely response
46
States affected

The verdict

1,067 CFPB complaints put Advance America, Cash Advance Centers, Inc. at #309 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 97.5%, ahead of the 93% median among companies with 100+ complaints.

#309
of 3,848 companies by volume
97.5%
answered on time
Debt collection
most-complained product
46
states with complaints
Advance America, Cash Advance Centers, Inc. timely response rate 97.5%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Payday loan 175
Debt collection - Payday loan debt 165
Payday loan, title loan, or personal loan - Payday loan 162
Payday loan 146
Payday loan, title loan, personal loan, or advance loan - Payday loan 86
Debt collection - I do not know 66
Credit reporting or other personal consumer reports - Credit reporting 47
Payday loan, title loan, or personal loan - Installment loan 41
Payday loan, title loan, personal loan, or advance loan - Installment loan 38
Debt collection - Other (i.e. phone, health club, etc.) 24

Top Issues

1.Communication tactics 102
2.Struggling to pay your loan 90
3.Attempts to collect debt not owed 80
4.Taking/threatening an illegal action 67
5.Charged fees or interest you didn't expect 54
6.Took or threatened to take negative or legal action 46
7.Incorrect information on your report 40
8.Improper contact or sharing of info 35
9.Charged fees or interest I didn't expect 34
10.Improper use of your report 34

Complaints by Year

Year Complaints
2013 32
2014 116
2015 90
2016 101
2017 115
2018 66
2019 73
2020 43
2021 42
2022 44
2023 107
2024 92
2025 122
2026 24

Complaints by State (Top 15)

California 176
Texas 135
Florida 106
Ohio 83
South Carolina 59
Alabama 48
Tennessee 47
Michigan 47
Kansas 36
Missouri 32
Indiana 32
Louisiana 31
Mississippi 23
Nevada 20
Virginia 19

Company Responses

Closed with explanation 1,025
Closed with monetary relief 20
In progress 12
Closed with non-monetary relief 8
Closed 2

What the CFPB Complaint Record Shows for Advance America, Cash Advance Centers, Inc.

The CFPB Consumer Complaint Database has logged 1,067 complaints against Advance America, Cash Advance Centers, Inc. overall, with 110 of those filed in the trailing 12 months. Reports have come from consumers in 46 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.

Within the Bureau's 15-day response window, Advance America, Cash Advance Centers, Inc. answers 97.5% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 12.9% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 2.6% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Advance America, Cash Advance Centers, Inc. have?

1,067 complaints have been filed against Advance America, Cash Advance Centers, Inc. with the CFPB overall - 110 of them in the past year.

Does Advance America, Cash Advance Centers, Inc. respond to complaints on time?

97.5% of the CFPB complaints against Advance America, Cash Advance Centers, Inc. get a response within the expected window. That is a strong response record by CFPB standards.

What product generates the most complaints for Advance America, Cash Advance Centers, Inc.?

"Debt collection" draws more CFPB complaints against Advance America, Cash Advance Centers, Inc. than any other product - see the full breakdown above.

What is the most common complaint issue with Advance America, Cash Advance Centers, Inc.?

"Communication tactics" is the single most frequently cited issue in complaints against Advance America, Cash Advance Centers, Inc. - see all issues and counts above.

How do I file a complaint against Advance America, Cash Advance Centers, Inc.?

You can file a complaint against Advance America, Cash Advance Centers, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Advance America, Cash Advance Centers, Inc.?

Advance America, Cash Advance Centers, Inc. has drawn CFPB complaints from 46 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026