AdvanceMeToday.com

Consumer Alert
AdvanceMeToday.com

Not Licensed To Provide Payday Loans

Updated: June 14, 2013

The Washington State Department of Financial Institutions (DFI) has received many complaints against AdvanceMeToday.com whose location is unknown. This entity provides short-term (“payday”) loans to consumers via the internet. Consumers then payback the loans by authorizing repayment from their checking accounts on specific dates, typically on the next payday.

This entity then may make debits from consumers’ bank accounts for larger amounts and longer periods than necessary to repay the loan. This entity has reportedly engaged in harassing collection efforts including calling place of employment.

AdvanceMeToday

Advancemetoday.com is not licensed by the Washington State Department of Financial Institutions and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Verify Licenses

The Washington State Department of Financial Institutions strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov.

Payday Loan Debt Collection Laws

Collection activities are subject to the federal Fair Debt Collection Practices Act. Therefore, if you have questions regarding debt collection laws please contact the Federal Trade Commission at 1-877-FTC HELP (382-4357), or online at www.ftc.gov.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact DFI at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-2372, or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

Phone Numbers
Customer Support:888-408-4394
Past Due Accounts:888-408-9716
General Fax: 888-660-2984
Email Addresses
Customer Support: customersupport@advancemetoday.com
Payment Arrangements: paymentarrangements@advancemetoday.com
Past Due Accounts: collections@advancemetoday.com

2 thoughts on “AdvanceMeToday.com

  1. SFA Reporter June 14, 2013 at 6:13 PM Reply

    Address lookup
    canonical name advancemetoday.com.
    aliases
    addresses 190.7.203.34
    Domain Whois record

    Queried whois.internic.net with “dom advancemetoday.com”…

    Domain Name: ADVANCEMETODAY.COM
    Registrar: EASYDNS TECHNOLOGIES, INC.
    Whois Server: whois.easydns.com
    Referral URL: http://www.easydns.com
    Name Server: UDNS1.ULTRADNS.NET
    Name Server: UDNS2.ULTRADNS.NET
    Status: clientTransferProhibited
    Status: clientUpdateProhibited
    Updated Date: 06-mar-2013
    Creation Date: 05-mar-2007
    Expiration Date: 05-mar-2014

    >>> Last update of whois database: Sat, 15 Jun 2013 01:10:19 UTC <<<

    Queried whois.easydns.com with "advancemetoday.com"…

    Registrant:
    Lenders International
    CCI – Torre C Piso 11
    Ave. 8 Calles 26 y 28
    San Jose, Costa Rica 00000
    CR

    Domain name: ADVANCEMETODAY.COM

    Administrative Contact:
    Vasquez, Silvia lenders.international@gmail.com
    CCI – Torre C Piso 11
    Ave. 8 Calles 26 y 28
    San Jose, Costa Rica 00000
    CR
    (506)88126203
    Technical Contact:
    Vasquez, Silvia lenders.international@gmail.com
    CCI – Torre C Piso 11
    Ave. 8 Calles 26 y 28
    San Jose, Costa Rica 00000
    CR
    (506)88126203

    Registrar of Record: easyDNS Technologies, Inc.
    Record last updated on 06-Mar-2013.
    Record expires on 05-Mar-2014.
    Record created on 05-Mar-2007.

    Registrar Domain Name Help Center:
    http://helpwiki.easydns.com

    Domain servers in listed order:
    UDNS1.ULTRADNS.NET
    UDNS2.ULTRADNS.NET

    Domain status: clientTransferProhibited
    clientUpdateProhibited

    This domain is being managed via EASYDNS

    The DNS Hosting specialists since 1998

    DNS Hosting / Dynamic DNS / Failover DNS / DNS Anycast

    Unconditional Guarantee, No tricks, No gimmicks: http://easyDNS.com

    System Status Updates: http://easyurl.net/easystatus

    ( Follow us on Twitter http://twitter.com/easydns
    or Identi.ca http://identi.ca/easyDNS )

    You have 5 lookups left today

    Network Whois record

    Queried whois.lacnic.net with "190.7.203.34"…

    inetnum: 190.7.203/24
    status: reallocated
    owner: Precition Data Management
    ownerid: CR-PDMA-LACNIC
    responsible: Customer Service
    address: San Jose, ,
    address: – San Jose –
    country: CR
    phone: +506 40505050 []
    owner-c: ECB2
    tech-c: ECB2
    abuse-c: ECB2
    inetrev: 190.7.203/24
    nserver: NS2.AMERICANDATANETWORKS.COM
    nsstat: 20130614 AA
    nslastaa: 20130614
    nserver: NS3.AMERICANDATANETWORKS.COM
    nsstat: 20130614 AA
    nslastaa: 20130614
    created: 20111116
    changed: 20111116
    inetnum-up: 190.7.192/20

    nic-hdl: ECB2
    person: American Data Networks
    e-mail: noc@ADN.CO.CR
    address: San Jose, 543,
    address: 1000 – san jose – sj
    country: CR
    phone: +506 2242-4747 []
    created: 20061220
    changed: 20090521

    % whois.lacnic.net accepts only direct match queries.
    % Types of queries are: POCs, ownerid, CIDR blocks, IP
    % and AS numbers.

    DNS records

    DNS query for 34.203.7.190.in-addr.arpa returned an error from the server: NameError
    name class type data time to live
    advancemetoday.com IN A 190.7.203.34 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns1.ultradns.net 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns2.ultradns.net 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns3.ultradns.org 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns4.ultradns.org 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns5.ultradns.info 86400s (1.00:00:00)
    advancemetoday.com IN NS pdns6.ultradns.co.uk 86400s (1.00:00:00)
    advancemetoday.com IN SOA
    server: pdns2.ultradns.net
    email: karthik@nationwidecash.com
    serial: 2013020700
    refresh: 10800
    retry: 3600
    expire: 2592000
    minimum ttl: 86400
    86400s (1.00:00:00)
    advancemetoday.com IN MX
    preference: 200
    exchange: advancemetoday.com.s8a2.psmtp.com
    86400s (1.00:00:00)
    advancemetoday.com IN MX
    preference: 100
    exchange: advancemetoday.com.s8a1.psmtp.com
    86400s (1.00:00:00)
    advancemetoday.com IN MX
    preference: 300
    exchange: advancemetoday.com.s8b1.psmtp.com
    86400s (1.00:00:00)
    advancemetoday.com IN MX
    preference: 400
    exchange: advancemetoday.com.s8b2.psmtp.com
    86400s (1.00:00:00)

    — end —

  2. SFA Reporter March 9, 2014 at 9:09 AM Reply

    In re: Zendora International a/k/a Lenders International
    (d/b/a AdvanceMeToday.com)
    Order to Cease and Desist – 1
    STATE OF NEW HAMPSHIRE BANKING DEPARTMENT
    In re: Zendora International a/k/a Lenders International
    (d/b/a AdvanceMeToday.com)

    Case No.: 12-502
    NOTICE OF ORDER TO CEASE AND DESIST (“ORDER”)

    1. This Order commences an adjudicative proceeding under the provisions of RSA Chapter 399-A (including RSA 399-A:7,I and II, RSA 399-A:8,I and RSA 399-A:16,IV)
    and RSA Chapter 541-A.

    2. The Commissioner may impose administrative penalties not to exceed $2,500.00 for each violation of RSA
    Chapter 399-A
    RSA 399-A:18,V and VI.
    3. The Commissioner may impose restitution for each New Hampshire consumer who borrowed monies from

    Respondent.
    RSA 399-A:2,IV and RSA 399-A:16,IV and VI.

    RESPONDENT

    4. Zendora International a/k/a Lenders International (d/b/a AdvanceMeToday.com) (“Respondent”) is an online payday loan company with principal office locations in
    Kingstown, Saint Vincent and the Grenadines and possibly in San Jose, Costa Rica. Respondent is not registered with the New Hampshire Secretary of State. New Hampshire Banking Department (“Department”) records indicate Respondent has never held a Payday or Small Loan Lender license with the Department.

    Respondent is a “Person” as defined under RSA 399-A:1,XII, a “Lender” as defined under RSA 399-A:1,VIII,

    a “Payday Loan Lender” as defined under RSA 399-A:1,XI and a “Small Loan Lender” as defined under RSA 399-A:1,XV.

    RIGHT TO REQUEST A HEARING

    5. Respondent has a right to request a hearing on this Order. A hearing shall be held not later than ten (10) days after the Commissioner receives Respondent’s written request for a hearing. Respondent may request a hearing and waive the ten (10) day hearing
    requirement. The hearing shall comply with RSA Chapter 541-A, RSA 399-A:7, RSA 399-A:8, and Administrative Rule JUS Chapter 800.

    6. If any person fails to request a hearing within thirty (30) days of receiving this Order, then such person shall be deemed in default, and the Order shall, on the thirty-first (31
    st ) day, become permanent, all allegations may be deemed true, and shall remain in
    full force and effect until modified or vacated by the Commissioner for good cause shown.
    RSA 399-A:7 and RSA 399-A:8.

    7. A default may result in administrative fines and restitution as described in Paragraphs 2 and 3 above.

    STATEMENT OF ALLEGATIONS

    CONSUMER A:
    8. On January 14, 2013, the Department received a tip from a New Hampshire consumer (“Consumer A”) against Respondent, concerning several payday or small loans
    Consumer A obtained from Respondent.

    9. Respondent is not licensed by the Department as a New Hampshire Payday or Small Loan Lender.

    10. On December 30, 2011, Respondent issued Consumer A a payday or small loan in the amount of $500.00 (“Loan #1), in violation of RSA 399-A:2,I. a. On February 17, 2012,

    Consumer A paid Respondent

    $650.00 to pay off Loan #1 loan in full.

    11. On March 28, 2012, Respondent issued Consumer A a payday or small loan in the amount of $500.00 (Loan #2), in violation of RSA 399-A:2,I. a. On April 13, 2012,

    Consumer A paid Respondent
    $120.00, which represented an interest-only payment for Loan #2.
    b. On April 27, 2012,
    Consumer A paid Respondent
    $120.00, which represented an interest-only payment for Loan #2.
    c. On May 11, 2012, Consumer A Consumer Respondent $620.00 to pay off Loan #2 in full

    12. On May 24, 2012, Respondent issued Consumer A a payday or small loan in the amount of $500.00 (Loan #3), in violation of RSA 399-A:2,I. a. On June 8, 2012, Consumer A paid Respondent $120.00, which represented an interest-only payment for Loan #3.
    b. Consumer A made no further payments.

    13. On August 13, 2012, Respondent issued Consumer A a payday or small loan in the amount of $1,000.00 (Loan #4), in violation of RSA 399-A:2,I.
    a. Consumer A made no payments on this loan

    In re: Zendora International a/k/a Lenders International (d/b/a AdvanceMeToday.com)
    Order to Cease and Desist – 1

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