Independent profile — not affiliated with 500 Fast Cash
500 Fast Cash
500 Fast Cash (500FastCash) is an online payday and short-term loan brand whose website says it is wholly owned by Modoc Tribe Financial Services Authority of the Modoc Nation, with an address in Miami, Oklahoma and an email contact. A 2018 U.S. Attorney's Office press release lists the 500 FastCash name among the businesses of Scott Tucker's enterprise, which the FTC and DOJ pursued; it does not describe who operates the brand today. This page gives the company's own contact route, BBB and CFPB figures as displayed on October 14, 2026, and 161 archived reader complaints from 2005 to 2013, which are unverified allegations.
Complaints & Reviews 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 below.
- Full Balance of $585 Withdrawn Instead of $135 Payment, Refund Delayed
- Paid $705 on $400 Loan, Spanish Language Line Never Answers
- Loan From 2009 Now in Collections Calls After Almost Four Years
- Paid $650 on $500 Loan and Still Told $650 Is Owed
- Double Payments Taken From Bank Account Without Notice
- Paid $450 Total on $200 Loan Including Bank Fees
- $300 Loan, $360 Paid in Service Fees, Still Told $250 Owed
- Loan of $400 Now Requires Paying $790, Amount May Grow
- Told $150 Payments Since June Are Only Service Charge
- Paid $90 Service Charge and $90 Toward Principal Each Time
- Payments Applied Only to Service Charges, Balance Rose to $520
- Paid $425 on $250 Loan and Now Told $335 Is Owed
- Borrowed $400, Company Has Taken a Total of $945
- Paid $600 on $400 Loan, Still Owed $455 After Service Charges
- Payments Not Credited to Balance, Told to Pay $170 Bi-Weekly
- Paid Over $680 on $300 Loan and Still Being Pursued
- Advance Fee Loan Scam Asking for Western Union Payments
- Automatic $60 Payments Every Two Weeks and Balance Never Drops
- Fake loan or fraud?
- Threatened With Arrest and Served Papers; $460 Taken and Account Closed
Complaint Themes
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts
- Official website (500FastCash): https://500fastcash.com/
- Customer service email (company site): [email protected]
- BBB-listed fax (not on the company site): +1 (800) 416-1619
- BBB-listed other phone (not on the company site): +1 (888) 919-6669 55 complaints mention this number
Locations
| Type | Address |
|---|---|
| Mailing address | 22 N Eight Tribes Trail Miami OK 74354 |
500 Fast Cash contact, payment and complaint routes (checked October 14, 2026)
The company's website (opened October 14, 2026) is a single page without application, payment or account links. It states the following.
- Email: [email protected]. The page lists no phone number, hours, payment portal, cancellation procedure or complaint form.
- Address: 500FastCash, 22 N Eight Tribes Trail, Miami, OK 74354.
- Funding claim: the company says it provides loans "typically within 24 hours".
If money is being debited. Contact the lender in writing at the email above and keep the loan agreement, payment history and bank statements. The CFPB explains that renewing or rolling over a payday loan generally means paying a fee to delay repayment that "does not reduce the amount you owe", and that many states limit or ban renewals. Check your loan agreement and the payment schedule it describes before the next due date.
Payment authorization. The CFPB says that a borrower who takes out a payday loan online typically must provide an ACH authorization allowing the lender to withdraw repayment from the account, and that problems with a payment authorization, such as an unauthorized ACH, can be raised with your state regulator, your state attorney general or the CFPB. Your own bank is the other place debits can be questioned; the company's page publishes no revocation procedure.
Where to complain. The CFPB accepts complaints about payday loans (its pages show (855) 411-2372 and a Submit a Complaint button). The company is in the CFPB complaint database under the name Modoc Tribe Financial Services Authority. The Oklahoma Department of Consumer Credit is listed as an "Other Resource" on the BBB profile. Your own state attorney general or financial regulator may also take complaints.
This archive also holds older reader complaints about the brand (2005 to 2013); they are allegations and are summarized in the complaint record below.
Regulator and government records that mention the 500 FastCash name
FTC order naming 500FastCash as a d/b/a. In FTC v. AMG Services, Inc. et al. (D. Nev., Case 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." The stipulated final order for Red Cedar Services, Inc. (Doc. 888, filed November 25, 2015) enters judgment of $2,200,000 and 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". The order states that the defendant "neither admits nor denies any of the allegations in the Complaint, except as specifically stated in this Order". The FTC's release and the order do not state who owned Red Cedar Services, and this page does not connect Red Cedar to any tribe or to the company that runs 500FastCash today.
Other records. The FTC's October 4, 2016 release (litigated judgment against Scott Tucker and corporate defendants) and its January 16, 2015 release (AMG Services and MNE Services; the stipulated order names Ameriloan, United Cash Loans, US Fast Cash, Advantage Cash Services and Star Cash) 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 businesses did business (see the litigation section).
Scope of the search. No other state or federal regulator action naming "500 FastCash" or "Modoc Tribe Financial Services Authority" as a party was identified in the sources opened on October 14, 2026 (FTC and DOJ pages, CFPB database lookup, BBB profile). That is a statement about the sources checked. A state-by-state search of attorney general and banking-department enforcement pages was not completed.
Who operates 500 Fast Cash
What the company says. The 500FastCash website (opened October 14, 2026) says: "500FastCash™ is wholly owned by Modoc Tribe Financial Services Authority. Modoc Tribe Financial Services Authority is a tribally-owned corporation chartered pursuant to the laws of the Modoc Nation, a federally recognized Indian Tribe." The footer says "Modoc Tribe Financial Services Authority dba 500FastCash™ is a sovereign tribal lending entity wholly owned by and a governmental instrumentality of the Modoc Tribe of Oklahoma". The Modoc Nation's own website (modocnation.com, opened the same day) lists the street address 22 N Eight Tribes Trail, the same address the lender's page gives; the pages opened do not describe the lending business.
What the federal government has said about the brand name. The FTC's January 5, 2016 release says Red Cedar Services Inc. operated under the trade name 500 Fast Cash in FTC v. AMG Services (see the regulator section). In its January 5, 2018 press release the U.S. Attorney's Office (S.D.N.Y.) defined the "Tucker Payday Lenders" as businesses doing business as "Ameriloan, f/k/a Cash Advance; OneClickCash, f/k/a Preferred Cash Loans; United Cash Loans; US FastCash; 500 FastCash; Advantage Cash Services; and Star Cash Processing". It says that beginning in 2003 Scott Tucker "entered into agreements with several Native American tribes", including "the Modoc Tribe of Oklahoma", so that the tribes would claim to own parts of the lending enterprise, and that "the Tribes neither owned nor operated any part of TUCKER's payday lending business". The release covers the period it describes, "more than 15 years" and revenue "from just 2008 to June 2013". The pages opened for this page do not say whether Tucker or anyone convicted in that case has any role in the lender that operates 500FastCash today, and nothing here should be read as saying so.
Addresses. The company's own page lists 22 N Eight Tribes Trail, Miami, OK 74354. BBB's profile for the brand (opened October 14, 2026) shows one address, 515 G St SE, Miami, OK 74354-8224. The archive complaints on this site written between 2005 and 2013 commonly name United Cash Loans, US Fast Cash and Ameriloan together with 500 Fast Cash.
Complaint record (counts as displayed on October 14, 2026)
Counts below come from different sources and are not added together.
- BBB: BBB profile for "500 FastCash", Miami, OK, as displayed on October 14, 2026: not BBB Accredited; rating "Not Rated"; 1 complaint in the last 3 years (July 15, 2025, billing issues, status answered) and 0 in the last 12 months; 1/5 stars from 1 customer review (December 30, 2024). BBB's raw file-opened date is 2007-05-23.
- CFPB: the database has no company called 500 FastCash; under "Modoc Tribe Financial Services Authority" it showed 15 complaints received between July 16, 2021 and May 30, 2025 and none in the last 12 months. Products: payday loan, title loan, personal loan or advance loan (7), debt collection (6), payday loan, title loan, or personal loan (2). All 15 were closed with explanation. Which brand each complaint named is not shown.
- Trustpilot: unclaimed profile for 500fastcash.com with 0 reviews.
- This site: 161 archived complaints dated 2005 to 2013 name 500 Fast Cash (or a variant such as 500FastCash.com) in the offender field, most from 2007 to 2008 and 2011 to 2012. Years: 2005: 1, 2006: 13, 2007: 33, 2008: 40, 2009: 16, 2010: 14, 2011: 17, 2012: 27, 2013: 5. Each is a reader's allegation and has not been verified. The most frequent subjects, by keyword match across the linked posts, were repeated fees or withdrawals with the balance not falling (47), collection calls or contact with a workplace or family (51), debits after the writer says the loan was repaid (51) and bank overdraft fees or closing the account (38). Posts that mention 500 Fast Cash only inside a different business's name, or that were not about a loan, are not counted.
Many of the older archive posts describe small loans (commonly $200 to $450) with a fixed fee debited every two weeks or every pay period. The terms of those loans are not in the pages opened for this page.
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). Per the U.S. Attorney's Office press release of January 5, 2018, a jury found Scott Tucker and Timothy Muir guilty on October 13, 2017 "on all 14 counts against them, including racketeering, wire fraud, money laundering, and Truth-In-Lending Act ('TILA') offenses"; Tucker was sentenced to 200 months and Muir to 84 months in prison, each to three years of supervised release, and the court ordered forfeiture of proceeds. The release names "500 FastCash" in its list of the businesses through which Tucker's enterprise did business. Later steps shown by CourtListener on October 14, 2026: the Second Circuit (No. 18-181(L), decided June 2, 2020) states "we affirm the judgments of conviction on all fourteen counts"; an Opinion and Order of August 28, 2024 denied Tucker's motions under 28 U.S.C. § 2255 and 18 U.S.C. § 3582(c); Doc. 557 (June 25, 2026) is a "USCA Mandate - Final Judgment Appeal"; and an order of September 30, 2026 (Doc. 558) denied his Rule 60(b)(6) motion.
FTC v. AMG Services, Inc. et al. (D. Nev., 2:12-cv-00536-GMN-VCF). The FTC's October 4, 2016 release says a federal court found that Scott A. Tucker and several corporate defendants violated Section 5 of the FTC Act and ordered them to pay $1.3 billion. It also says 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 Red Cedar order is described in the regulator section above (judgment $2,200,000; the defendant d/b/a 500FastCash). On April 22, 2021 the 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"; the opinion's syllabus says the District Court had directed Tucker to pay $1.27 billion, and the disposition is "reversed and remanded". The $1.27 billion figure is the Supreme Court opinion's and the $1.3 billion figure is the FTC release's; they are not combined here. The FTC's October 4, 2016 release itself does not name 500FastCash.
Dockets naming Modoc Tribe Financial Services Authority. A CourtListener party-name search for "Modoc Tribe Financial" on October 14, 2026 showed two cases. Dearry v. Follis, 2:22-cv-01414 (E.D. Pa.): the complaint (Doc. 1, April 11, 2022) names Robert Burkybile, Bill Follis, John Does 1-15 and The Modoc Tribe Financial Services Authority as defendants; the docket shows a stipulation and order (Doc. 18, August 15, 2022) under which the plaintiff would initiate individual arbitration with JAMS and the action was stayed, a notice of voluntary dismissal by the plaintiff as to all defendants (Doc. 20, October 24, 2022) and an order dismissing the action with prejudice under Local Rule 41.1(b) (Doc. 21, October 25, 2022). Modoc Tribe Financial Services Authority v. Bhattacharya, 4:24-cv-00543 (N.D. Okla.): CourtListener lists a filing date of November 7, 2024; the subject of the case is not shown on the page. This page does not describe the merits of either case.
Is 500 Fast Cash Legitimate?
The company's own page describes it as a sovereign tribal lending entity wholly owned by the Modoc Tribe of Oklahoma and gives a Miami, Oklahoma address and an email address. It is not BBB Accredited, BBB does not issue it a rating, Trustpilot shows no reviews, and the CFPB database lists complaints under the name Modoc Tribe Financial Services Authority, all of which were closed with explanation. The federal government's January 2018 press release lists the 500 FastCash name among those used by Scott Tucker's enterprise, and says the tribes named in his arrangements, including the Modoc Tribe of Oklahoma, did not own or operate the lending businesses during the period at issue.
Pages opened on October 14, 2026 do not show a state lending licence for the brand or its loan terms (APR, fees, repayment schedule), and the company page publishes none. Before borrowing from any online lender, a consumer can ask for the full loan agreement and APR in writing, check the lender's licence status with the state financial regulator, and compare the lender's stated terms with the CFPB's explanations of renewals and rollovers.
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| United States v. Scott Tucker and Timothy Muir (criminal case, S.D.N.Y.) Docket 1:16-cr-00091 (PKC) | U.S. District Court, Southern District of New York | Judgment | Judgment entered A jury found both defendants guilty on October 13, 2017 on all 14 counts, including racketeering, wire fraud, money laundering and Truth-In-Lending Act offenses. On January 5, 2018 Tucker was sentenced to 200 months in prison and Muir to 84 months, each with three years of supervised release, and the court ordered forfeiture of the proceeds. The press release lists "500 FastCash" among the names under which Tucker's lending businesses did business; the company does not appear in the release as a defendant. On appeal the Second Circuit (No. 18-181(L), decided June 2, 2020) affirmed the judgments of conviction on all fourteen counts. An Opinion and Order of August 28, 2024 denied Tucker's motions under 28 U.S.C. § 2255 and 18 U.S.C. § 3582(c), and an order of September 30, 2026 denied his Rule 60(b)(6) motion. | Source | |
| Federal Trade Commission v. AMG Services, Inc. et al. Docket 2:12-cv-00536-GMN-VCF | U.S. District Court, District of Nevada | — | Judgment | Judgment entered FTC release of October 4, 2016: 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, which the FTC described as the largest litigated judgment it had obtained. Separate settlements: AMG Services and MNE Services, $21 million (January 2015); Red Cedar Services and SFS Inc., $4.4 million (January 2016). The October 4, 2016 release does not name 500FastCash; the separate Red Cedar order does (see the next entry). | Source |
| AMG Capital Management, LLC v. Federal Trade Commission Docket 19-508 | Supreme Court of the United States (No. 19-508) | — | Appeal decided | Appeal decided — see outcome Decided April 22, 2021. The disposition reads "reversed and remanded" as to the Ninth Circuit judgment (910 F.3d 417) that had upheld the District Court's $1.27 billion award under Section 13(b). The Court held 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." The opinion's syllabus describes the case as the FTC's complaint against Scott Tucker and his companies alleging deceptive payday lending practices. | Source |
| Federal Trade Commission v. AMG Services, Inc. et al. (stipulated order as to Red Cedar Services, Inc. d/b/a 500FastCash) Docket 2:12-cv-00536-GMN-VCF (2) | U.S. District Court, District of Nevada | Judgment | Judgment entered Doc. 888, filed November 25, 2015 (announced by the FTC on January 5, 2016): stipulated final order for permanent injunction and judgment against Red Cedar Services, Inc. d/b/a 500FastCash. Judgment in the amount of $2,200,000 was entered. The order extinguishes consumer debt for loans issued before the December 27, 2012 preliminary injunction to the extent the claimed indebtedness exceeds the amount financed plus one finance charge, and prohibits collecting, selling or reporting that debt. The defendant "neither admits nor denies any of the allegations in the Complaint, except as specifically stated in this Order". | Source | |
| Dearry v. Follis et al. (named defendants include The Modoc Tribe Financial Services Authority) Docket 2:22-cv-01414 | U.S. District Court, Eastern District of Pennsylvania | Dismissed | Dismissed Per the CourtListener docket (opened 2026-10-14): a stipulation and order of August 15, 2022 provided for individual arbitration with JAMS and stayed the action; the plaintiff filed a notice of voluntary dismissal as to all defendants on October 24, 2022; on October 25, 2022 the court dismissed the action with prejudice under Local Rule 41.1(b). The docket does not state the terms of any resolution. | Source | |
| Modoc Tribe Financial Services Authority v. Bhattacharya Docket 4:24-cv-00543 | U.S. District Court, Northern District of Oklahoma | Filed | Filed — no final outcome recorded CourtListener (opened 2026-10-14) lists a filing date of November 7, 2024 and no docket entries; the subject of the case is not shown there. | Source |
Company Relationships
- Owned by: Modoc Tribe Financial Services Authority
Frequently Asked Questions
How do I contact 500 Fast Cash?
The company's website lists [email protected] and the address 22 N Eight Tribes Trail, Miami, OK 74354. The page opened on October 14, 2026 lists no phone number, hours or complaint form. BBB lists a fax number and a second phone number, which are not on the company's page.
Who owns 500 Fast Cash?
The company's website says 500FastCash is wholly owned by Modoc Tribe Financial Services Authority, a tribally owned corporation chartered under the laws of the Modoc Nation, and that the authority does business as 500FastCash. These are the company's own statements.
Is 500 FastCash connected to Scott Tucker?
Two government sources name the brand. The FTC's January 5, 2016 release says Red Cedar Services and SFS "operated under the trade names 500 Fast Cash and One Click Cash, respectively" in FTC v. AMG Services, a case in which Tucker was a defendant. The U.S. Attorney's Office (S.D.N.Y.) press release of January 5, 2018 lists "500 FastCash" among the names under which Tucker's payday lending businesses did business, and says the Modoc Tribe of Oklahoma was one of the tribes in his arrangements. The pages opened do not say who runs the brand's lending today beyond the company's own statement of Modoc ownership.
What happened in the FTC case against Tucker's payday lending companies?
The FTC said on October 4, 2016 that a federal court in Nevada found Tucker and several corporate defendants violated Section 5 of the FTC Act and ordered them to pay $1.3 billion. On April 22, 2021 the Supreme Court held that Section 13(b) of the FTC Act does not authorize courts to award equitable monetary relief such as restitution, and reversed and remanded the Ninth Circuit judgment that had upheld the $1.27 billion award described in its opinion.
How do I stop payments I think are wrong?
The company page lists only an email route. The CFPB says online payday borrowers typically provide an ACH authorization for repayment, and that problems with a payment authorization can be raised with the state regulator, the state attorney general or the CFPB; it also notes that many states limit renewals and rollovers and that a renewal fee does not reduce the amount owed. Your bank is another route for questioning a debit. Keep your loan agreement, bank statements and written messages. For loans issued by Red Cedar Services, Inc. d/b/a 500FastCash before December 27, 2012, the FTC order described on this page extinguished claimed debt above the amount financed plus one finance charge.
Does 500 Fast Cash have a BBB rating?
BBB's profile for 500 FastCash in Miami, OK, as displayed on October 14, 2026, is not BBB Accredited and shows "Not Rated", with 1 complaint in the last 3 years and 1 customer review at 1 out of 5 stars.
How many CFPB complaints are there?
The CFPB database showed 15 complaints under the company name Modoc Tribe Financial Services Authority, received between July 16, 2021 and May 30, 2025, all closed with explanation. The database does not show which brand each complaint named.
Did borrowers get refunds in the FTC case against Tucker's lending companies?
The FTC's AMG Services refunds page (opened October 14, 2026) says: "The FTC first mailed checks for this matter in September 2018, which resulted in more than $382 million in refunds", and that a second round of more than $152 million went to more than 690,000 people. The page gives the question line 1-866-730-8147. The page does not list which lender brands each payment related to.
What do the older complaints about 500 Fast Cash say?
161 archived reader complaints dated 2005 to 2013 describe repeated withdrawals of fees on small loans, difficulty reaching the lender, debits after repayment and collection calls. They are unverified allegations.