Amscot Reviews

The Girl/Women that waited on me, she had a Walker, she was in a car accident. Can't remember her name. I think it's Nicole, but she was very good. Accommodating, helpful and pleasant. This was around 1:00 p m in the afternoon. 03/27/2026.

The Home Office at Amscot is always accessible and the employers are always polite and ready to offer a solution to any issues a customer may have. They went above and beyond to assist me! Well done to the Home Office Team!

I had service today at the Winter Haven Amscot. I had a very pleasant person named Michael as the customer service person. Very well done. He explained everything to me and it was a pleasant experience. I am now a member of Amscot. Thanks for your help today.

I visited an Amscot in North Miami Beach, Florida to see about sending $800 cash to someone in New York. First they made me fill out a personal form to be put into their system. Afterwards I was told that they do not charge any fees to send money via Western Union. When I asked how much the charge would be I was told $76.00. I said no thank you (but my personal information was already in their system). I then went to a nearby Walmart and it cost me $8.00 to send the same $800. I returned to Amscot and asked for a supervisor. He insisted that the $76.00 was a Western Union charge so just beware of Amscot's phony charges!

Horrible 😞 customer service. I would give 0 stars but I have to select a star to release this review. I went there to add money on my credit card, then charge my phone for a few minutes to catch an Uber and the clerk yelled at me telling me to leave the store. They're closing and they were still taking a customer into their store.

I waited 40 minutes just for the lady to tell me she can not cash my check to come back tomorrow when my bank was open to verify. Meanwhile I heard her manager saying it was optional to verify asking if she should. Now I’m back today. Have waited another 30 minutes going through the same thing. The most ridiculous part is having to talk to my bank on speaker through a window off of their phone. Couldn’t hear a thing.

As an immigrant I really need a store that will help me to all my bills that needs to be paid. I went to 4100 Eastbay Amscot in Clearwater and an employee named Grace was very helpful to me and all of my questions were answered very politely. I paid my bill (Electricity) very quick because she makes it work. I gave her 10 out of 10. Hopefully more like her.

The women who work there are horrible and rude including the supervisor. They should take a course in customer service. If they don't want to deal with the public, then they should get another job

I’ve been a satisfied customer for over 4 years and the customer service is excellent! They’re a life-saver for me! They also don’t charge high interest! Felicia at the Palm Coast store is excellent and knowledgeable!

I always go to the same place. Always are friendly but today this young lady was not a good presence to work in this special industry. Very disrespectful. Always the people who work there are excellent but this person is. Hope she can get good manners to treat people. I went 12/1/2023@1520pm.

Well I would like to use Amscot again to get more Payday loans. However they have blocked me from being able to use their service due to the fact that I got a bankruptcy and owe them money from a year ago. I mean it's been over a year ago come on. I was using them for payday loans every week for over two years and then after my man lost his job at the can factory they said something about he had to bring in a new paycheck and that we didn't pay the last time we got an advance from them. But that was because our account got shut down with the bank since we overdrafted it too many times. I wasn't able to get in to the bank to deal with the overdrafts because I was in jail when it happened, so there was nothing I could do about it. Other than that they're still helpful cashing my paycheck and other things. From Keila

I hate Amscot. It’s the fact that I went to borrow money and couldn’t pay it back on time since I’ve changed jobs so when I went into the store they said, "Oh you can just pay us 5 dollars." So I told them to take it out of my pay that Friday and they're so convinced that I have to pay it right then and there or there’s going to be a problem so I told them I’m not paying it right here so I left to find out they didn’t take it out that Friday so now my account is in the negative because they decided to take all the money that I don’t have in my account out. They can’t do that. What they need to do is run me back my money because I will not put any money in my account carelessly. It’s aggravating. I definitely don’t recommend Amscot. They suck at everything and I will not be using them again.

They ask very intrusive questions when buying a $1000 money order. First you have to show a Drivers license They asked, "Are you working? If not, Where did you get the funds to buy this money order? What are you using the money order for?" NONE OF YOUR BUSINESS! The clerk was very rude. I called HQ about these policies and he was evasive just kept repeating, "We are a financial institution." I told him "No financial institution(s) has ever asked me such intrusive questions when cashing a check, making a deposit or getting a cashiers check. Go to 7 Eleven for your money orders. They don't even ask for ID and you can get a hotdog while you are there instead of a super small Tootsie Roll.

I took out an installment loan, though I was qualified for the $1000 they gave me nowhere near that. First they had me make a check to put on my account in case I don't pay. Fine ...So my first payment comes around and they make me physically have to go to the damn place and make my payment that way and said it had to be in cash. They said it would post to my account right away and deduct off the payment I made.

I only got like $100 I probably lost. But I heard the female customer service telling me, "You are not the only one," which tells me this happens a lot. They hold the money but they can't reverse it for some reason. Well, I am sure they can hold, decline, reverse any transaction they want, WHEN IS THEIR MONEY THEY'RE LOSING. Otherwise, they'll give you their good ol' runaround, wild turkey chase, explanations of why they can't simply return your money to your account, knowing your money is still on "pending," process and knowing it's been illegally charged. The customer service are there to tell you, basically, that you are screwed, and to call this number, and to fill these form, and on and on.

WARNING: Do not allow Amscot to convince you to switch from the Amscot debit card to the new Azulos prepaid card. Azulos is NETSPEND. NETSPEND is awful. After you switch to Azulos (NetSpend), you will no longer have access to your money. You can ADD money to the card, but you cannot go to Amscot and withdraw the funds. THEN after you activate the Azulos card they will place a block and restriction on your card and tell you to call an 800 number, email them a copy of your social security card, driver's license and Utility bill. They will then **review** the documents you sent and "get back to you in 6 hours." Afterwards if they decide they accept your documents they will let you know in 3 days whether you will have access to YOUR funds.

I use my Amscot card to pay bills, since amscot is far from my house I load my card in Publix through the Western union, they have a limit of how much to deposit a week and on top of that they denied payments first because I was not loading the card in amscot, and now I called for my balance since it didn't do it automatically and they started asking me questions like why do I deposit he money in the card and take it out right away, well first of all is my money and I have to pay to load the card and also I have to pay to get the money out, so now they are investigating what I do with 20 or 30 dollars that are mine, I had a believe that this was a free country but is getting worse and worse, I feel discriminated,

My husband and I took out an installment loan from Amscot. The first payment was made in person with cash. The following day the amount due cleared our checking account, therefore a double payment was made. Since they received the payment twice we expected our loan agreement to end one pay period early, however it didn't. When we called they said there wasn't any record of a cash payment and there wasn't anything they could do. They were not helpful. When I explained that I suspected something fishy going on with one of their employees then, they said they would "look into it." I would recommend paying with a check or keeping receipts if paid in cash.

I deposited 25k on a card at the advice of employees of Amscot in 2018. The card expires in 21 and yet my card is closed as inactive. After seeing strange activity I walk in amscot with card and requested a statement and informed employees of my suspicion. All that the employee said was you are broke. Gave me a statement that indicated a bal of 3k. My card inactive. No help or concern for me and my money. I wouldn't recommend amscot to the devil.

I have been sending money and lot of them to Ivory Coast since I had this application. I was happy of the user friendly side of this app till I discovered this. I lose a lot of money sending money via this app than that just going to send it through the agency with AMSCOT. Let me explain. Recently I was going to send $1000 US to Ivory Coast currency CFA. So using the this application, for a $1000, the pay out in CFA is 506,207 CFA with $7 transfer fee. But at AMSCOT, for the same amount $1000, the pay out 546,189, which is a difference of 46,000 CFA = $90. That is a HUGE difference. I am uninstalling this app immediately because I am losing money, a lot of money. And have screenshots to prove it. Look at uploaded picture and receipts.

This company operates in an incredibly outdated fashion. I had gotten a cash advance several months ago through one of their competitors (Cash Advance America) and it was so easy! I provided my bank info and the loan was deposited directly into my account the next afternoon. Then on my payday, the amount due was automatically withdrawn. I expected the same from Amscot. I couldn't have been more wrong. I went to an Amscot store and they required a physical check. So I drove home, and returned with my check. I had to write a check out and post date it, which was archaic, but acceptable. I postdated it for my pay date. Then they gave me cash with no option of direct deposit. So I had to drive to the bank to deposit it, which was a bit of a hassle, but doable.

They are such a shifty company.. I paid the loan back from 4 years ago. Was told I could get another cash advance at any time so I go in today and they process my info, pull out some money and then tell me they can't loan me anything because of delinquent history... I called the customer service number and the woman was rude as she could be. I asked for an explanation and I get, "You're a delinquent customer so we can't loan anything to you." I said, "Well that was from 4 years ago. How is it possible that causes an issue." False advertisement.

This company likes to call and harass people, calling their jobs all the time, calling them all the time. Won't take any partial payment after the first time. It's such crap if someone is trying to pay on what they owe. It should be showing they are trying. If you harass a person at work all this does is compromise their job then take longer for you as a company to get paid. So ridiculous company. Don't do business with them!

After spending about $1800.00 a year for approximately two years, for the convenience of cashing checks from out of state clients and not having to wait (as my bank hold funds while processing the check). I went into the Amscot located at Jacaranda and US 41 in Venice, Florida to cash a check for $5000.00. First I was told it would cost me 5% of the check's overall amount. Essentially $250.00. I asked them to call corporate or anyone capable of automoney. William an employee I have never previously encountered, placed the call. I asked for the check back when I was informed they wouldn't go lower than the 5%, this despite me being a stellar customer. I took the check and departed.

I went to the location in Davenport/Haines City, Florida off of Hwy 27 to pay a bill. I took the nearest window to the ATM because I had just use it. The store was not full. But I waited awhile and realized that no one will really see and serve me in the corner. The person next to me had a more detailed transaction and after being up from five I just wanted to wrap up my day with this last errand.

Amscot has been playing around with my money letting the other people charge me knowing that I only have a certain amount of money on my card and Amscot still lets other companies charge my account and leaves me in the negative. Amscot charges you to put money on the account charge a monthly and charge you in ATMs that say are free of charge. Worst experience I've ever had.

I visited the location on Memorial Boulevard in Lakeland Florida on April 4th. I paid my light bill and got a money order. I left out of the country. When I return home I received a notice of Disconnect because my light bill has not been paid. I go to Amscot to have them pull up my record of payment and no one wants to help me. They say that they have too many to go through and they can't find it. I called corporate which they are not being helpful at all. They claim that if I have the money order number they can look up my whole transaction.

Purchased a money order. Money order sent and receiver said it was lost. Went back to Amscot to cancel the original money order. Yes, I have all the proper documentation and records including the receipt. Cannot do that on site. Go through the process of the money order being canceled and reissued. Now, I find out it's going to take 30 to 60 days. Wow. So we're absolutely positive the money order was lost. Absolutely positive that the money order wasn't cashed. And yet they won't re-issue a new one for 30 to 45 days. This is just unacceptable. There's a money order out there that has been lost and not cashed and yet they will not cancel that money order immediately and reissue a new one.

I took out a payday loan and used 85$ to pay my water bill. In 3 days the payment didn't post, my water was turned off and I had to pay fees to reinstate it. I went to Amscot with my receipt and they said, "Give it the full 5 days to post and then come back if it doesn't work." I came back with the receipt again and they said it was "in process " as reported from corporate. I received a water bill recently and the payment wasn't posted. I called today and was told that nothing was showing in the system and I must have my receipt in order to get anything done. This is over 1 1/2 weeks since I started this and I cleaned out my car since, assuming all was ok. Now I'm told I'm basically screwed! I will never use their bill pay! That is very poor customer service!!

Okay... Has anyone ever been banned from "Amscot" for trying to get their own money??? I went to Amscot to pick up $1600, unfortunately the person didn't have all of my money to send at once... so, two days later I went to pick up my 1,000 (the rest of what is owed to me,) and they started asking me personal questions like, who is she to me, what is she sending the money for, why didn't she send it all at once, why is she giving me the money... all while on the phone with someone! So, after 20 minutes of waiting they tell me that they can't do it (didn't give me a reason!). Okay, I leave and come back after doing some shopping to SEND someone some money. I asked them, "Could I at least send money???" THEY TOLD ME THAT I AM BANNED AND TO NOT COME BACK!!!??? What the ** was that all about? Can SOMEONE PLEASE explain this to me??? What did "I" do wrong??? It was via Western Union.

Same day, lunch and dinner. Pressed no tip button because a cash tip was left, and was still charged a tip on my card. When customer service was called, I was told that it's their policy to place a tip on hold because they don't know if a tip was applied. I find this interesting that I receive a text about my charge before I even leave the restaurant. They are stealing until that money is returned. It was never authorized. Maybe time to change cards.

I have used Amscot occasionally in the past for various money orders apparently never over $1000. I needed one for $2130. First off the clerk barely spoke or understood English unless I spoke slowly. Really? Secondly she was in training... On my time... I had to give her my ID then she proceeded to verify all info was correct address, phone number, and even my place of employment! Now I began to feel like my privacy was being invaded. Very slow process since she was being trained. I was curious why all the questions this time, was it the amount? I asked what amount. Apparently they are NOT SUPPOSED to tell customers what their policies are!!!

I received a Western Union from a family member in another state and went to Amcot to do the Western Union transaction and after filling up the paperwork I was told they couldn't do it. When I asked why the uh said because my husband owes Amscot money. I told him the Western Union is already paid by someone else and also that I did not borrow mine from them and they said doesn't matter that he can do it cause the money that was borrowed wasn't totally paid back. Unbelievable. They did it to me before when I tried to cash 2 money orders that I bought from them they wouldn't cash because my husband owes them money not me. What the heck is going on. How can they keep getting away with doing this kind of stuff to people? Why doesn't someone in authority stop them from these practices that are wrong?

We manage various properties in Florida. In one of our properties money orders were stolen from our lock box. From the process to stop payment at Amscot you need to get an application from Amscot, mail to the main office with another payment of $12.00. By the time they receive the information, it's days later and the money orders were changed and cashed. All that money lost. There is no reason they can't stop payment faster so this doesn't happen. Terrible company for this reason. This happened in Clearwater Florida on N. Lady Mary Dr.

Amscot has no problem taking your money for money orders but if you need to cash one and owe them money they will hold your money orders hostage and say that until you pay it they won't do business with you, but they have no problem doing business with you when taking your money. When you ask for money orders in any other business that's called stealing. How is it that Amscot gets away with this practice, there needs to be some kind of regulation of this company, where they are required to make that clearly stated prior to a consumer making a money order transaction. Perhaps a class action suit will do it.

Why does it take 2 dummies to cash a money order? Both are telling me that it will cost $10 to cash. Questioning who sent it to me. Huh??? They got upset when I asked for it back. I told them I can deposit the $200 money order in my bank account. I guess they didn't expect that because they both hesitated... I said, "please give me my money order back." They prey on the less fortunate, it is very sad.

I am very displeased with Amscot. I have been a customer for YEARS. They have a ton of my money. It's ridiculous to put a check through KNOWING it will bounce and then charging a late fee. Things happen. And sometimes you don't have the money to pay back right away. The ONE time you don't they put the check through even though you tell them it will bounce.... they say.... "Too bad your check will bounce.... we are going to put it through anyways". You get stuck in an ENDLESS cycle of fees. Amscot makes more money that MOST businesses and they STILL make the customer pay more fees. It's PRICE GOUGING. Amscot is a good place to get a loan when you need it. But you are stuck in an endless cycle of paying HUGE fees to them. I can't get out and they keep taking my money. They will not wait even 1 extra day. They HOPE you are late so they can take more money.

The other day I got a check in the mail and it was for 35.89 and the day on the check was 1-27-17 and on the check it said you have 180 day to cash it. It was a check for a old job. I went there and the lady told me "We can't cash it. You can go to your bank and cash it." I went there to cash it. Anywho they are so expensive to cash any thing I don't know why anyone would cash anything there.

I hope a responsible response can still contain thinly veiled disparaging remarks, the sense of which can be readily ascertained by most 10-year olds, but will probably have to be explained to AMSCOT personnel. I would have given them 0 stars except it wasn't an option. Their usurious rates are only exceeded by their blatantly obvious lack of morality and common sense... probably die-hard Trump sympathizers... and their patently false advertising that should fall under the purview of some regulatory agency empowered to make them live up to the misleading ads that serve as wallpaper in their well-lit dens of iniquity.

I recently visited an Amscot in my town and was very unhappy with their services. I have used them in the past and besides the ridiculous fees they charge they cashed my checks without issues. Recently I have had issues. Every time I cash a check, my mother has written on an account that we are both on they were unable to cash or give me an explanation. The funds are available and we have never passed a bad check with them but still they won't cash. Needless to say I am done with them and will make sure I make it to the bank in time from now on. They need to remove their logos that state they cash any check anytime because that isn't the case. Obviously I am not alone, and I can only hope that the horrible customer service they offer will ultimately end their business practices nationwide.