Advance America Cash Advance Chris Johnson, so called Sr. Loan Officer; Adam Hicks, so called Financial Accountant; Jason Cooper, so called Money Transfer Department..Please note that all three individuals that I delt with has Middle Eastern Accents SCAMMED OUT OF $538.90 FOR LOAN FEES FROM 'ADVANCE AMERICA CASH ADVANCE' Internet

On Friday December 5, 2014, I received an email from Advance America Cash Advance stating that my loan application was approved. The previous day I submitted an application for a loan from Mobile Loans, which provided me with some companies. I was then emendated with many emails and phone calls from different loan companies. As stated above, I did in fact receive an email from Advance America Cash Advance with the company's logo along with official looking documents that applied to the loan application process. Everything looked legitimate, I visited this website (https://www.advanceamerica.net), and it looked like something that I would be interested in. Therefore, I contacted the company at the following phone number: 1-786-468-7471, and spoke to an individual by the name of Chris Johnson, Sr. Loan Officer. I asked for their address and he provided me with the address as 455 S. W. 8th. Street, Miami, Florida 33130, email address as cashpaydayloansusa@outlook.com. This person explained the program to me and everything seemed like a reasonable loan that I could afford to repay. I became Leary when this same person informed me that I needed to purchase a "GREEN DOT MONEY PAK CARD,” and that I needed to load $225.00 into the card. I asked Chris Johnson why I needed to provide their company any money. He explained to me that this was their company's policy to ensure that I had the money to make the first payment, and that once my $5,000.00 loan was processed, I would receive the $225.00 right back with the requested loan amount. He stated to me that once I provided him with the number on the back of the "GREEN DOT MONEY PAK CARD,” that my loan amount plus the $225.00 would be wired to my checking account within 15 to 20 minutes. (They already had my loan number information when I called them.) I specifically asked Chris Johnson, "Do I need to pay any more money to get my Loan? He replied, "No, you do not have to pay any more money to get your loan.” I became very Leary about the whole process, but against my better judgment, I went ahead and pulled $225.00 from my checking account and purchased the "GREEN DOT MONEY PAK CARD" for $4.95 plus paid the cashier at the CVS Pharmacy $225.00 CASH to be deposited into the "GREEN DOT MONEY PAK CARD". I then called and provided Mr. Johnson the 14 digit numbers located on the back of the “GREEN DOT MONEY PAK CARD.” He had me hold on the phone while he verified and withdrew the money from the card. This same person stated that everything was verified and that I would now need to speak to their financial accountant. I was then transferred to a person by the name of Adam Hicks, who then stated that I needed to have insurance to cover their loan in the event that I could not make my payments due to losing my job, and other reasons such as a car accident and so on. Adam stated that this insurance was through State Farm and the cost would be a one-time charge of $10.00, which I said, "fine, I will pay the $10.00.” Adam stated that in addition to the $10.00 that I needed to purchase a "GREEN DOT MONEY PAK CARD” for an additional $300.00 for a total of $310.00. I was in total shock, and asked to please return my $255.00 immediately. Adam stated that he would return only $210.00, due to charging me $50.00 processing fee, and that I would get my money back after two weeks. I stated that I wanted my full amount of $255.00 returned to me immediately. Adam stated to me that it was their policy and it would take two weeks to return the full amount. Furthermore, Adam stated to me that the $300.00 would be immediately returned to me with my loan within 15 to 20 minutes and the total amount deposited to my checking account would be $5,535.00, and the only amount I would have to pay back was the $5,000.00, loan. Adam stated that my payments would only be $225.00, monthly for 24 months. I asked Adam why I would need to pay them an additional $300.00. Adam stated that it was to further secure the loan due to the bad credit that I had. I informed Adam that Mr. Johnson assured me that I would not have to pay any additional amount in order to obtain this loan. Adam apologized to me that Mr. Johnson provided me with the wrong information. Adam was very persuasive, insisting that he guaranteed me 180% that I would receive my $5,000.00, loan within 15 to 20 minutes and that I would be able to access the $5,000.00, within one hour. Adam stated to me that their company had helped thousands of people that were in my situation and that I would call him back to "Thank Him" for the loan, like so many others called him in the past to "Thank Him.” Adam asked me how long it would take me to get him another “GREEN DOT MONEY PAK CARD.” Adam seemed so sincere and honest that again against my better judgment, I did withdraw another $310.00, from my bank account and obtained another "GREEN DOT MONEY PAK CARD" for $310.00. Needless-to-say, no money was ever deposited into my checking account. I felt like a complete fool for falling for this outrages scam. I called them back and left many messages. I did not sleep all night and cried that I was such an idiot to believe that they were truly helping me, but I realized that they had defrauded me using an actual legitimate company name and logo. On Saturday, December 6, 2014, I spent most of the day calling them and left many messages. I never received a call back, and no money was ever deposited into my checking account. What can you do to help me out? I am out $538.90, and did not have the money to pay my bills. I should have known better, every person that I dealt with had Middle Eastern Accents. Please Note: On Monday, December 08, 2014, I called Advance America Cash Advance to ask them why the agreed $5,000.00 loan plus the additional amount of $545.00 that I paid them using the "GREEN DOT MONEY PAK CARD" was not wired into my Account as agreed. I was transferred to Adam who stated to me that they were unable to wire the money into my checking account because the three major credit-reporting bureaus, Trans Union, Experian, and Equifax did not allow their company to wire the money into my account. I stated to Adam that was unheard of and asked him why he was lying to me. Adam said that I should not worry, that they would wire the money to me through Western Union. Adam then transferred my call to their so-called Money Transfer Department and spoke to an individual by the name of Jason Cooper. Mr. Cooper stated that in order to wire the money ($5,000.00) to me through Western Union I had to purchase a "GREEN DOT MONEY PAK CARD" for $200.00, and then they would activate the Money Transfer Control number 7840928436. He went on to say that, they would wire the $200.00 back to me with the $5,000.00 loan. I told Mr. Cooper that they were defrauding me for more money and that I did not want to deal with them ever. Mr. Cooper stated to me that they would return my money back to me except for $100.00 for the cost of setting up my loan. I stated to Mr. Cooper that I wanted the full amount of $545.00 returned back to me immediately. He stated to me that my money would be returned back within 5 working days. I stated that if I did not receive all of my money, that I would be filling a full complaint against their so-called company. Mr. Cooper hung up on me. I know that I will never see my money again. I want to stop these crooks from ever taking advantage of innocent people that are in need.