Local contact & online options
Two records give different telephone numbers for the Park Avenue name and address.
Contact the listed business directly; it is not a Bottom Dollar office.
Memphis
3863 Park Ave, Memphis, TN 38111
Published service: Cash-advance directory contact; current product unconfirmed
Published schedule: Mon–Thu 9am–5:30pm; Fri 9am–6pm; Sat 9am–1pm; Sun closed, directory only [B23]
The reviewed directory associates the name with 3863 Park Avenue and (901) 327-3357; the earlier assignment records (901) 699-4481. A matching first-party branch contact was not established. Telephone and directions shortcuts are withheld.
This is an address search, not a verified route to an operating store. Confirm the operator, unit and service before travelling.
Confirm the Park Avenue contact before sending documents
Confirm the business identity before you send documents, travel or pay. Neither number is presented here as independently verified.
Legal business, contact channel and stated application purpose
Creditor or servicer, account reference and confirmed instructions
The business responsible for the actual agreement
Identify the current legal business and a branch contact from an independent, authoritative record before sharing documents.
Use the creditor and servicing details on your agreement or previous confirmed statement, not a new unsolicited number.
Compare the named creditor, account reference and payment instructions. Resolve any mismatch before transferring money.
The reviewed directory lists Neighborhood Cash Advance at 3863 Park Avenue, Memphis, with (901) 327-3357. The earlier project assignment records (901) 699-4481 for the same name and address. The directory alone does not resolve the disagreement. [B23]
This is not a finding that the business has closed or that either number is fraudulent. It means the available evidence is insufficient to choose a verified recipient. A similarly themed website without a confirmed link to this office is not substituted for branch evidence.
Published directory hours and categories can help locate a record, but do not prove current licensing, products or walk-in service. Use the named creditor’s own confirmed documentation for an existing account. For a new inquiry, establish the business and service first. [B23]
| Before you send | What should match |
|---|---|
| Identity or income documents | Legal business, contact channel and stated application purpose |
| A repayment | Creditor or servicer, account reference and confirmed instructions |
| A complaint or payoff request | The business responsible for the actual agreement |
Do not email bank credentials or identification to this directory. A trading name resembling the name on a search result is not enough to authenticate a recipient.
Consider a hypothetical account with a $320 opening balance and an $80 payment receipt. If there are no new charges or borrowing, the expected balance is $240. A later statement showing $290 needs an explanation of the $50 difference; the difference alone does not prove wrongdoing.
| Illustrative reconciliation | Amount |
|---|---|
| Opening balance | $320.00 |
| Documented payment | $80.00 |
| Expected balance with no other activity | $240.00 |
| Balance on the hypothetical later statement | $290.00 |
| Difference to reconcile | $50.00 |
Ask for transaction dates, payment allocation and any charge explaining the change. Do not send a second $80 merely because the first payment does not appear in a newly received message.
Record the contact source, date, business name and the specific issue you need resolved. If you already have an agreement, use its account reference when contacting the confirmed recipient, but do not publish it in reviews or public messages.
A representative should be able to explain the application or servicing role without demanding a payment simply to establish who they are. Stop and verify independently if instructions unexpectedly change to a personal account or an unfamiliar recipient. This is a precaution, not an allegation about this business.
Tennessee DFI describes a flex loan as an open-end credit plan, not a closed-end installment loan. A reusable limit, the amount currently drawn and the payment due are therefore different figures. A fixed-payment personal loan and an asset-backed pawn transaction require their own terms; the flex classification does not set their prices. [L05]
| Product presented | Decisive document |
|---|---|
| Open-end flex line | Statement, daily charges and payoff quote |
| Closed-end installment loan | Payment schedule and total of payments |
| Pawn/asset transaction | Redemption amount, deadline and collateral description |
Ask the business to identify its actual product and license category. Do not infer either from the words cash, finance or loan in its name.
For a new loan, request the actual product, net cash, total charges and repayment calendar. For an existing account, request a dated payoff or an explanation of a specific transaction. Do not treat the directory’s cash-advance category as the terms of either process.
This profile does not transmit documents or payments. It also cannot confirm account status or decide which telephone record is current. The useful next step is resolving identity, not collecting more sensitive information through an unconfirmed channel.
No number is endorsed as verified. The directory and earlier assignment conflict; use independently confirmed business details or the verified contact in an existing agreement.
No. They are directory-published hours, not a fresh operational or licensing check. [B23]
Not by itself. Ask the confirmed creditor or servicer to reconcile dated transactions and charges before drawing a conclusion.
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
Bottom Dollar Payday is a product and website operated by FSST Financial Services, LLC, d/b/a BD PDL Services, P.O. Box 283, Flandreau, South Dakota 57028. FSST Financial Services, LLC is wholly owned by the Flandreau Santee Sioux Tribe, a federally recognized Indian tribe.
Bottom Dollar Payday is not a lender or creditor and does not make loan, approval, underwriting, or funding decisions. The online application is provided and processed by an independent third-party form provider. Information submitted through the application may be shared with third-party financial service providers that may evaluate the request and, where available, present an offer.
The Terms & Conditions and Privacy Policy apply to the Bottom Dollar Payday product and website operated by FSST Financial Services, LLC, d/b/a BD PDL Services. Submitting information does not guarantee approval, an offer, a specific amount or rate, or funding. Review the provider’s rates, fees, repayment terms, privacy notices, data-sharing terms, electronic communication consents, and final agreement before submitting or accepting an offer.
The Bottom Dollar Payday product does not accept applications from residents of Arkansas, Colorado, Georgia, Illinois, Kansas, Massachusetts, Maryland, Missouri, New Hampshire, New York, Pennsylvania, Washington, or West Virginia. Availability elsewhere is determined by participating third-party providers and applicable law.
