BBB Business Review

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This business is not BBB accredited.

US Cash Advance (Phony Debt Collectors)

Phone: (888) 296-4293 View Additional Phone Numbers Unknown, Cincinnati, OH 45202 View Additional Email Addresses

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According to reports received by BBB, the scammers accuse the victim of defaulting on a payday loan and claim they are being sued for loans the consumer did not actually obtain. The phony debt collector threatens that, if the victim doesn’t pay as much as $1,000 immediately via wire or by providing bank account or credit card numbers, he or she will be arrested. The scammers often have the victim’s Social Security, old bank account numbers or driver’s license numbers as well as home addresses, employer information and even the names of personal friends and professional references. 

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • The business's BBB file information is being reviewed and/or updated.

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

51 complaints closed with BBB in last 3 years | 13 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 5
Billing/Collection Issues 40
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 5
Total Closed Complaints 51

Customer Reviews Summary Read customer reviews

12 Customer Reviews on US Cash Advance (Phony Debt Collectors)
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 1
Negative Experience 11
Total Customer Reviews 12

Additional Information

BBB file opened: August 18, 2009
Business Management
Mr. Dean Smith Mr. John Baker Mr. Hector Boyd Mr. Raymond Chow Mr. Malcom Christian Mr. Alan Crew Mr. Allen Crew Mr. Mike Davis Mr. Robert Davis Mr. Leo Fernandez Mr. Mike Johnson Ms. Rose Johnson, Senior Affidavit Processor Mr. Edward Jones Mr. Robert Jordan Mr. Martin Lewis Mr. John Matthew Ms. Vivian Moore Mr. Max Morris Mr. Daniel Page Mr. Adam Ryan Mr. David Scott Mr. Henry Scott Mr. Leo Scott Mr. Randall Scott Mr. Raymond Scott Mr. Sam Scott Mr. Albert Smith Mr. Albert Smith Mr. Max Smith Mr. Leo Stein Mr. Jeffrey Stewart Mr. John Taylor Mr. Marshall Walker Mr. Kevin White Mr. Darrell Williams
Contact Information
Principal: Mr. Dean Smith
Business Category

Collection Agencies Identity Theft Protection & Prevention Services

Alternate Business Names
Bureau of Defaulters Agency- Debt Collection Management CashNetUSA (Phony Debt Collectors) Federal Legal Department Federal Legislation Department Federal Legislation of Unsecured Loans Federal Legislative Department Financial Infraction Division Legal Division of Florida National Debt Relief RD Williams Law Firm
Additional Information

BBB is unable to locate the persons responsible for the phony debt collection calls.  The scammers claim to be debt collectors for US Cash Advance and CashNetUSA.  US Cash Advance is the name of an actual company with oneretail store location in Florence, KY.  All legitimate US Cash Advance customers must by state law physically come to their Kentucky store to do loans.  US Cash Advance and its employees are not affiliated with the persons conducting this phony debt collection scam and their employees have no further information other than that which is found in this file.  US Cash Advance does not issue loans over $500, does not perform any transactions online, does not issue loans to persons residing outside of Kentucky or neighboring Ohio & Indiana, and they do require an in-person signature for each transaction.  Furthermore, they will not attempt to collect debts by asking for repayment via wire transfer or any means other than: in-person, via US mail or legal judgment.  Click here for the separate correct BBB report on US Cash Advance.  CashNetUSA is the name of an actual company headquartered in Fort Worth, TX.  Click here for the separate BBB report on CashNetUSA.  Neither CashNetUSA nor its employess are affiliated with the persons conducting this phony debt collection scam.

BBB offers the following advice to consumers if they receive a suspicious telephone call about an outstanding debt: 
• Ask the debt collector to provide official documentation which substantiates the debt. 
• Do not provide or confirm any bank account, credit card or other personal information over the phone until you have confirmed the legitimacy of the call. 
• File a complaint with the Federal Trade Commission online if the caller is abusive, uses threats or otherwise violates federal telemarketing laws. 
For those receiving calls from purported debt collectors for US Cash Advance, if you have not personally been to their Florence, KY store to obtain a loan face to face, there is definitively no debt owed to them & no reason to pay any requested balances. 

Industry Tips
BBB News: Identity Theft Protection Tips
Industry Ratings Comparison Chart X
Same Relative Size   All Businesses
The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in the Cincinnati Area, Southern Ohio, Northern Kentucky, Southeastern Indiana. Businesses may engage in more than one type of business.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.