Complaint #1568186 submitted on 09/17/2015 relating to Advance America, Cash Advance Centers, Inc.. Complaint relates to Payday loan Payday loan - Charged bank acct wrong day or amt Charged bank acct wrong day or amt.
Complaint was submitted via Web and sent to the company on Thursday 17th September 2015.
XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill.
I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon.
The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}.
I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this.
I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages.
They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.
Servicemember
| Company | Advance America, Cash Advance Centers, Inc. |
| Complaint ID | 1568186 |
| Date Received | 09/17/2015 |
| Product | Payday loan Payday loan |
| Issue | Charged bank acct wrong day or amt Charged bank acct wrong day or amt |
| State/ZIP Code | IN 464XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 09/17/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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