500 Fast Cash Reviews & Complaints

Contacts

• VerifiedOfficial website (500FastCash)500fastcash.com ↗

Customer service & general contact

• VerifiedCustomer service email (company site)[email protected]

Fax & written correspondence

• Listed by BBBBBB-listed fax (not on the company site)+1 (800) 416-1619

Reference numbers (not support lines)

• Listed by BBBBBB-listed other phone (not on the company site)+1 (888) 919-6669 55 complaints mention this number

Locations

• Mailing address22 N Eight Tribes Trail Miami OK 74354

How to contact 500 Fast Cash, stop debits and complain

Contacting the lender. The company's website lists only an email, [email protected], and a mailing address, 500FastCash, 22 N Eight Tribes Trail, Miami, OK 74354. It publishes no phone number, hours, payment portal or complaint form. BBB lists a phone number, (888) 919-6669, and a fax number, (800) 416-1619, that do not appear on the company's site. Write rather than call, so you have a dated record, and include your full name, loan number and the dates and amounts of the debits you are questioning.

Why the balance may not go down. The CFPB explains that renewing or rolling over a payday loan means paying a fee to push back the due date, and that this fee "does not reduce the amount you owe." Some lenders set up automatic payments as renewal fees only. Many states limit or ban renewals. Ask the lender in writing for a payoff amount and a payment history showing how each debit was applied.

Stopping automatic debits. Online payday lenders usually require an ACH authorization to take payments from your checking account. To stop them, the CFPB advises: tell the lender in writing that you are revoking its authorization; tell your bank or credit union the same and follow up in writing; and, if your bank recommends it, place a stop-payment order (banks usually charge a fee). Under federal Regulation E you can stop a preauthorized debit by notifying your bank at least three business days before the scheduled date; the bank may ask for written confirmation within 14 days of a phone request. Stopping the debits does not cancel the debt, so arrange another way to repay what you owe.

Debits you did not authorize. Report them to your bank right away. Regulation E protects you from liability for later unauthorized transfers if you report one that appears on your statement within 60 days after the bank sends that statement. Keep the loan agreement, bank statements and copies of every message.

Where to complain.

• CFPB: consumerfinance.gov/complaint or (855) 411-2372. The company is listed in the CFPB database as Modoc Tribe Financial Services Authority.
• Your state: your state attorney general and your state financial regulator, which the CFPB names for payment authorization problems. BBB's profile lists the Oklahoma Department of Consumer Credit, (800) 448-4904, as a resource. Because the lender says it is a sovereign tribal entity, a state agency may answer that it cannot act against it; complaints to the CFPB and the FTC can be filed either way.
• FTC: ReportFraud.ftc.gov, also for callers who ask for an upfront fee in the 500 Fast Cash name.
• BBB: the 500 FastCash profile in Miami, OK accepts complaints; the company answered the one complaint filed there in the last three years.

Is 500 Fast Cash Legitimate?

Legal name

Modoc Tribe Financial Services Authority

Business type

Online payday and short-term loan brand that says it is owned by Modoc Tribe Financial Services Authority, a tribally owned corporation of the Modoc Nation

Website

500fastcash.comSource: 500FastCash website, checked 2026-11-02

Owned by

Modoc Tribe Financial Services AuthoritySource: 500FastCash website, About Us, company statement, checked 2026-11-02

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 161 historical complaints about 500 Fast Cash, published between 2005 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

• Full Balance of $585 Withdrawn Instead of $135 Payment, Refund DelayedPublished Aug 29, 2013 · Historical consumer allegation
• Paid $705 on $400 Loan, Spanish Language Line Never AnswersPublished Apr 30, 2013 · Historical consumer allegation
• Loan From 2009 Now in Collections Calls After Almost Four YearsPublished Apr 9, 2013 · Historical consumer allegation
• Paid $650 on $500 Loan and Still Told $650 Is OwedPublished Feb 13, 2013 · Historical consumer allegation
• Double Payments Taken From Bank Account Without NoticePublished Jan 3, 2013 · Historical consumer allegation

Complaint Themes

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

500 Fast Cash complaint record

Each source counts complaints its own way, so the figures are not added together.

• BBB: 500 FastCash in Miami, OK is not BBB Accredited and is "Not Rated" because BBB says it lacks enough information to issue a rating. It shows 1 complaint in the last 3 years and none in the last 12 months: a July 15, 2025 billing complaint from a borrower who partly repaid a loan, was told a balance remained and asked for forgiveness. The company answered that it could not discuss the account with a third party and asked the borrower to contact it directly; the borrower did not accept that answer. There is 1 customer review, rated 1 out of 5 stars (December 30, 2024).
• CFPB: the federal complaint database has no company named 500 FastCash. Under Modoc Tribe Financial Services Authority it holds 15 complaints received between July 16, 2021 and May 30, 2025: 9 about payday, title or personal loans and 6 about debt collection. Common issues were struggling to repay, unexpected fees or interest, collection communication tactics and threats to contact other people. The company closed all 15 with an explanation. The database does not show which of the company's brands each complaint concerned.
• Trustpilot: the 500fastcash.com profile is unclaimed and has no reviews.
• This site: 161 published complaint reports are linked to this profile. They date from 2005 to 2013, with the largest number from 2007 and 2008, and each is a reader's allegation that has not been verified.

What the older reader complaints describe. Most concern loans of a few hundred dollars on which a fee was debited every two weeks or every payday while, writers say, the balance did not go down. Other frequent subjects are debits that continued after the writer says the loan was paid off, collection calls to the writer's workplace or family, and bank overdraft fees or having to close a bank account.

Callers using the name. A few writers describe a caller or email using the 500 Fast Cash name that announced an approved loan and asked for an upfront payment by Western Union, or a loan they say they never took out. Such reports may concern someone other than the lender. The FTC warns that any upfront fee a lender wants before granting a loan "is a cue to walk away," and that money sent by wire transfer or gift card is hard to get back.

Regulator and government records that mention the 500 FastCash name

FTC order naming 500FastCash. In FTC v. AMG Services, Inc. et al. (D. Nev., 2:12-cv-00536-GMN-VCF), the FTC's January 5, 2016 release says "Red Cedar and SFS operated under the trade names 500 Fast Cash and One Click Cash, respectively," and that each company paid $2.2 million. The stipulated final order as to Red Cedar Services, Inc. (Doc. 888, filed November 25, 2015) enters a $2,200,000 judgment and, in Section V, provides that consumer debt for loans issued by "Red Cedar Services, Inc. d/b/a 500FastCash" before the December 27, 2012 preliminary injunction "is hereby extinguished to the extent that such claimed indebtedness exceeds the amount financed plus one finance charge." Red Cedar may not collect, sell or transfer that extinguished debt or report it to any consumer reporting agency. The order says the defendant "neither admits nor denies any of the allegations in the Complaint, except as specifically stated in this Order." Neither the release nor the order says who owned Red Cedar Services, and they do not connect it to the company that runs 500FastCash today.

Refunds. The FTC's AMG Services refunds page says the first checks went out in September 2018, totaling more than $382 million, and that a second round of more than $152 million went to more than 690,000 people who cashed their first check. The page lists 1-866-730-8147 for questions and does not say whether more payments will follow.

Other records. The FTC's January 16, 2015 release (the $21 million AMG Services and MNE Services settlement, which lists Ameriloan, United Cash Loans, US Fast Cash, Advantage Cash Services and Star Cash Processing) and its October 4, 2016 release (the $1.3 billion judgment against Scott Tucker and corporate defendants) do not name 500FastCash. The U.S. Attorney's Office for the Southern District of New York release of January 5, 2018 lists "500 FastCash" among the names under which Tucker's enterprise did business (see the court records section).

Court records that mention the 500 FastCash name or Modoc Tribe Financial Services Authority

United States v. Tucker and Muir (S.D.N.Y., 1:16-cr-00091). According to the U.S. Attorney's Office release of January 5, 2018, a jury found Scott Tucker and Timothy Muir, the general counsel of Tucker's payday lending businesses, guilty on October 13, 2017 on all 14 counts, including racketeering, wire fraud, money laundering and Truth in Lending Act offenses. Tucker was sentenced to 200 months in prison and Muir to 84 months, each followed by three years of supervised release, and the court ordered them to forfeit the proceeds. The release lists "500 FastCash" among the names under which Tucker's enterprise did business; no business using that name is a defendant in the criminal case. The Second Circuit affirmed the convictions on June 2, 2020 (961 F.3d 105). Later post-conviction requests by Tucker were denied: his motion to vacate his sentence and his motion for a sentence reduction on August 28, 2024, and his motion for relief under Rule 60(b)(6) on September 30, 2026.

FTC v. AMG Services, Inc. et al. (D. Nev., 2:12-cv-00536-GMN-VCF). The FTC announced on October 4, 2016 that the court found Scott A. Tucker and several corporate defendants violated Section 5 of the FTC Act and ordered them to pay $1.3 billion. Earlier, AMG Services and MNE Services agreed in January 2015 to pay $21 million, and Red Cedar Services Inc. and SFS Inc. paid a total of $4.4 million in January 2016. The order against Red Cedar, which names it as doing business as 500FastCash, is described in the regulator section. On April 22, 2021 a unanimous Supreme Court held in AMG Capital Management, LLC v. FTC that Section 13(b) of the FTC Act "does not authorize the Commission to seek, or a court to award, equitable monetary relief such as restitution or disgorgement," and reversed and remanded the appeals court judgment that had upheld the order directing Tucker to pay $1.27 billion. (The FTC's 2016 release rounds the same award to $1.3 billion.)

Cases naming Modoc Tribe Financial Services Authority. Dearry v. Follis, 2:22-cv-01414 (E.D. Pa.): a civil RICO complaint filed April 11, 2022 named The Modoc Tribe Financial Services Authority, two individuals and unnamed John Does as defendants. The plaintiff voluntarily dismissed all defendants on October 24, 2022, and the court dismissed the action with prejudice the next day. The court made no finding on the claims, and the docket does not show the terms of any resolution. Modoc Tribe Financial Services Authority v. Bhattacharya, 4:24-cv-00543 (N.D. Okla.), is a civil case the authority filed on November 7, 2024; the public docket shows no subject or ruling.

Court & Public Records

Who operates 500 Fast Cash

What the company says. The 500FastCash website says the brand "is wholly owned by Modoc Tribe Financial Services Authority," which it describes as a tribally owned corporation chartered under the laws of the Modoc Nation, a federally recognized tribe. Its footer calls Modoc Tribe Financial Services Authority, doing business as 500FastCash, "a sovereign tribal lending entity wholly owned by and a governmental instrumentality of the Modoc Tribe of Oklahoma." The site is a single page: it says loans are funded "typically within 24 hours" but publishes no application, rates, fees or loan terms. The street address it gives, 22 N Eight Tribes Trail, Miami, OK 74354, is also the address of the Modoc Nation's tribal offices.

What federal records say about the brand name. In FTC v. AMG Services, the FTC's January 5, 2016 release says Red Cedar Services Inc. "operated under the trade name" 500 Fast Cash, and the court order against Red Cedar names it "Red Cedar Services, Inc., d/b/a 500FastCash." The U.S. Attorney's Office for the Southern District of New York, announcing Scott Tucker's sentence on January 5, 2018, listed 500 FastCash among the names his Kansas-based lending enterprise used, alongside Ameriloan, OneClickCash, United Cash Loans, US FastCash, Advantage Cash Services and Star Cash Processing. The release says that beginning in 2003 Tucker made agreements with several tribes, including the Modoc Tribe of Oklahoma, under which the tribes would claim to own parts of his business, and that "the Tribes neither owned nor operated any part of TUCKER's payday lending business." That statement concerns Tucker's arrangements, which the release describes up to 2013. It does not address Modoc Tribe Financial Services Authority as it operates today or say who runs the 500FastCash brand now, and none of these records shows a present role for Tucker or anyone convicted with him.

Addresses. The company's site lists 22 N Eight Tribes Trail, Miami, OK 74354. BBB's profile gives 515 G St SE, Miami, OK 74354-8224 as the primary address and also lists older addresses in Overland Park and Leawood, Kansas, and Reno, Nevada. Older reader complaints on this site often name United Cash Loans, US Fast Cash or Ameriloan together with 500 Fast Cash.

Company Relationships

• Owned byModoc Tribe Financial Services Authority

Frequently Asked Questions