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Business Profile

Loans

Republic Finance, LLC

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Republic Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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Republic Finance, LLC has 305 locations, listed below.

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    Customer Complaints Summary

    • 167 total complaints in the last 3 years.
    • 56 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/18/2023

      Type:Billing Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I called Republic Finance and paid off my loan in full plus interest last month, then on 9/17/2023 they reported to my credit report that I am delinquent with a $0 balance. I also sent them a copy of my Active Duty Orders showing that I'm deployed overseas and that I'm covered under SCRA.

      Business Response

      Date: 09/28/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated September 18, 2022.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer service and
      we welcome the opportunity to address the concerns of our customers. Please
      allow this to serve as Republic Finance's response to case #20617813.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      Upon
      receiving his complaint, Republic Finance immediately investigated the Consumer’s
      statements made therein. The Consumer states he had requested a 6% rate
      reduction on his loan pursuant to the Servicemembers Civil Relief Act (“SCRA”), 50 U.S.C. Appx. §§ 501,
      et seq. It is Republic Finance’s policy to fully comply with both the letter
      and spirit of the SCRA and to provide relief designed to aid those
      Servicemembers who are called to duty in the armed forces. Republic Finance’s
      records show that it received the required documentation from the Consumer to
      process his request and that his request was approved and processed on
      September 26, 2023. The interest rate on the Consumer’s loan has been reduced
      to the 6% ceiling rate as of the date of commencement of Active Duty or
      deployment in accordance with the provisions of the SCRA.

       As a part of its investigation, Republic
      Finance agrees with the Consumer’s desired resolution to correct his credit
      report. Republic Finance will mail a letter under separate cover to the
      Consumer detailing the aforementioned actions and considers this matter
      satisfactorily closed.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor

      Customer Answer

      Date: 09/28/2023



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 20617813, and find that this resolution is satisfactory to me as long as the business does what they say this time.




      Sincerely,



      ******* *******
    • Initial Complaint

      Date:09/14/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 1 September 2023 I paid a bill of 540 dollars to Republic Finance. I expected a receipt to be in the mail, but I never received it. I've called numerous times and they seem to think it's a joke. They keep telling me it's in the mail, but as of 14 September 2023 I still haven't received it. It does not take that long to send a receipt through the mail. They seem to think it's funny. I need my receipt for the time when we go to court.

      Business Response

      Date: 09/21/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated September 14, 2023.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer service and
      we welcome the opportunity to address the concerns of our customers. Please
      allow this to serve as Republic Finance's response to case #20605929.  As requested by the BBB guidelines, I have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      The
      Consumer filed a complaint with a federal regulator, the Consumer Financial
      Protection Bureau (“CFPB”), regarding the same matter on September 20, 2023,
      which is substantially the same as this complaint that she filed with the BBB. As
      of the date of this response, the CFPB complaint is still open. Republic
      Finance is actively investigating that complaint and will respond to that
      complaint with the CFPB.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor
    • Initial Complaint

      Date:08/25/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      From what I have seen so far with this company is that they been straightforward with me up until now.

      They do call a lot everyday, about 10 calls a day which is technically harrement.

      Fast forward, I spoke with the call center about a week ago. The person I spoke to, I told her as I told everyone else I talk to every time, is that I got into a car accident in December and that has really set me behind after that. She asked me if I could pay $14.00 by August 31, 2023. I told her I would try to make that payment but was not sure. I am really behind on my other bills such as my electric bill which right now is a little over $1100.00 and all of my other bills are behind as well. She stated for me to not let it get charged off and never stated they were in the process of filing a court summoning. Thinking that was going to be it was absolutely false. Yesterday August 24, 2023 I had paperwork at my door. When I called the center to to tell them I was not notify when I spoke with them. I am struggling so bad with financial hardship I just do not know what to do anymore.

      Business Response

      Date: 08/29/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated August 25, 2023.  It is our goal at Republic Finance, LLC
      (“Republic Finance”) to provide excellent service and we welcome the
      opportunity to address the concerns of our customers. Please allow this to
      serve as Republic Finance’s response to case #20520045.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer’s name, out
      of this response. Instead, we refer to the consumer as “the Consumer.”

      Upon
      receiving this complaint, Republic Finance immediately investigated the
      Consumer’s statements made therein. 
      Republic Finance has confirmed with the BBB that the Consumer’s
      complaint and desired resolution are outside the BBB’s purview due to the fact
      that it pertains to a matter allegedly involving active litigation. Republic
      Finance is mailing a letter under separate cover to the Consumer in response to
      this complaint and considers this matter closed.

      If you have
      any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor
    • Initial Complaint

      Date:08/23/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had no income from October 2022 to March 2023 and was (and still is) waiting to receive unemployment.
      I immediately contacted Republic Finance to make them aware of my job loss and advised them I could no longer make my originally $360 monthly payments so they ran my credit and advised me they could refinance my loan and payments wouldn’t be due until January 2023.
      I made a payment in January and February of 2023, however I was still experiencing financial hardship and waiting to receive unemployment so I defaulted once again.
      I started back working March 2023 and was hoping I would be able to start back making payments but there was a significantly decrease in my salary.
      Throughout all of this, I remained in contact with the branch manager, ******** with my last conversation taking place on 7/28/2023.
      She informed me the Plano branch was closing and my account was going to be transferred to another location and I would receive my new account information via postal mail.
      On 8/21/2023, I received a citation stating I am being sued and I NEVER received a call to discuss my account or any information in the mail from the new branch regarding it.
      The documents show my account was transferred to the new branch on 8/5/2023 and the branch took legal action on 8/18/2023.
      I hate my circumstances is the reason I fell behind on payments, but the new branch didn’t even make an effort to speak with me before filing a petition. I prefer to settle the account without the court being involved because prior to things changing, I had a very good rapport with my original branch.

      Business Response

      Date: 08/30/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 23, 2023.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer service and
      we welcome the opportunity to address the concerns of our customers. Please
      allow this to serve as Republic Finance's response to complaint case #20508520.
      As requested by the BBB guidelines, we have left all personal identifying
      information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the
      Consumer."

      Upon
      receiving her complaint, Republic Finance immediately investigated the
      statements made therein. As a part of its investigation, Republic Finance’s Regional
      Vice President (“RVP”) attempted to contact the Consumer to discuss this
      matter, and to reach a mutually agreeable resolution, with the Consumer on
      numerous occasions. Specifically, Republic Finance’s RVP attempted to reach the
      Consumer by telephone to discuss this matter on August 23, 2023, August 24, 2023,
      and August 30, 2023 but was unsuccessful in his attempts. Republic Finance
      mailed a letter on August 30, 2023 to the Consumer requesting that she return
      our calls to discuss this matter in detail. As of the date of this response,
      the Consumer has not contacted Republic Finance.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor

      Customer Answer

      Date: 09/01/2023



      Complaint: 20508520



      I am rejecting this response because:
      Republic Finance’s, RVP (******), has not contacted me at all and definitely not on the days included in his response. 

      I spoke with ****** at the Mesquite branch and she confirmed no one from that branch has contacted me but it’s noted the RVP has.

      The information the company is providing is just untrue and although I am liable for the debt that is owed, failing to contact to discuss my options and make arrangements was not given to me — instead they decided to file a lawsuit.

       


      Sincerely,



      ******* ******

    • Initial Complaint

      Date:08/21/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      A payment was deducted that should have not been taken from my checking account cause if my balance to be zero which cost me insufficient funds payments in 4 transactions which would not have occurred if payment had not been taken as requested. I was refunded 1 I suffer fund but the payment was not in need of insuffice t fund payment when it was deducted. All transactions coming from my account totaled 4(-1) that I was refunded. But I should be refunded the additional 3 that I was charged BECAUSE Republic deduced the fund when they should have.
      Branch manager 99 was helpful I. Saying he had checked but could not refund me because of cooperate specifications.
      But it was an error that caused very serious repercussions for me.

      Business Response

      Date: 08/24/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 21, 2023.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer
      service and we welcome the opportunity to address the concerns of our
      customers.  Please allow this to serve as
      Republic Finance's response to case #20491582.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      Upon
      receiving her complaint, Republic Finance immediately investigated the
      statements made therein. Additionally, Republic Finance’s Regional Vice
      President discussed the matter in detail on August 21, 2023 and reached a
      mutually agreeable resolution with the Consumer on August 21, 2023. Republic
      Finance and the Consumer consider this matter satisfactorily resolved.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor
    • Initial Complaint

      Date:08/17/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a report from my bank that this company made a hard inquiry on my credit today. I HAVE NEVER ASKED THIS COMPANY FOR A PERSONAL LOAN OF ANY KIND AND THIS COMPANY HAD NO RIGHT TO MAKE AN INQUIRY ON MY CREDIT.

      I do not know who this company is. They had NO RIGHT and NO REASON to make an inquiry on my credit.

      Business Response

      Date: 08/23/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated August 17, 2023.  It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent service and we welcome the opportunity to
      address the concerns of our customers. Please allow this to serve as Republic
      Finance’s response to case #20483253.  As
      requested by the BBB guidelines, we have left all personal identifying
      information, including the consumer’s name, out of this response. Instead, we
      refer to the consumer as “the Consumer.”

      Republic Finance has conducted a search of its records
      and determined that it does not have a customer with account information that
      matches the name, address, phone number, or email address provided by the
      Consumer in her complaint.  The Consumer
      did not provide sufficient information or supporting documentation, such as a
      government-issued ID or social security card, to prove her identity and to
      substantiate her allegations. If the Consumer has additional information
      regarding the credit application at issue in this matter and sufficient
      information and supporting documentation to prove her identity, she is welcomed
      to provide that information to Republic Finance so we can investigate further.

      If you have
      any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor
    • Initial Complaint

      Date:08/15/2023

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I got a loan from this company on July 12th of this year.Jose said he was making copies if all the paperwork for me,but when I got home and looked over the forms I noticed a charge 79.45 for insurance. I called the office and told the person I spoke that I didn't sign for that and he informed me that his copy had my signature. How could my copy not have my signature if Jose made copies of the original papers? I Feel that this was a under handed tactic and I want my 79.45 deducted from my loan

      Business Response

      Date: 08/24/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 15, 2023.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer
      service and we welcome the opportunity to address the concerns of our
      customers.  Please allow this to serve as
      Republic Finance's response to case #20457116.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      Upon
      receiving her complaint, Republic Finance immediately investigated the
      statements made therein. Additionally, Republic Finance’s Regional Vice President
      discussed the matter in detail on August 18, 2023 and reached a mutually
      agreeable resolution with the Consumer on August 18, 2023. Republic Finance and
      the Consumer consider this matter satisfactorily resolved.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      Chad Green
      Compliance Supervisor
    • Initial Complaint

      Date:08/13/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have several accounts that are charge off's. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate. The lender must file Form 1099-C and send a copy if the amount of debt canceled is $600 or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity. This is taken directly from the IRS publication. I have uploaded the documents that I have sent to the company.

      Business Response

      Date: 08/18/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated August 13, 2023. It is our goal at Republic Finance,
      LLC (“Republic Finance”) to provide excellent service and we
      welcome the opportunity to address the concerns of our customers. Please allow
      this to serve as Republic Finance’s response to case #20462217.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer’s name, out
      of this response. Instead, we refer to the consumer as “the Consumer.”

      Republic
      Finance immediately reviewed the Consumer’s statements made therein. Under the
      Fair Credit Reporting Act (“FCRA”), Republic Finance is obligated to
      investigate credit disputes that are complete and meet certain
      requirements.  According to the FCRA, a
      dispute notice is complete when it is submitted in writing directly to the creditor
      (i.e., not through a private, non-profit organization such as the BBB) and
      includes the following: (1) sufficient information to identify the account in
      dispute (e.g., consumer's full name, address, telephone number, and account
      number); (2) the specific information that is being disputed and an explanation
      of the basis for the dispute; and (3) all supporting documentation or
      information to substantiate the dispute, to the extent available (e.g., a copy
      of the relevant portion of the consumer report that contains the allegedly inaccurate
      information, a police report, a fraud or identity theft affidavit, a court
      order, or account statements). Therefore, Republic Finance has determined the Consumer’s
      credit dispute is incomplete because it does not meet all of the three
      afore-mentioned requirements.  If the Consumer
      has any additional information to satisfy the requirements set forth above, he
      is welcomed to submit a complete dispute notice directly to: Republic Finance,
      LLC, Attn: Credit Dispute Team, **** ******** ******* ***** **** ***** ****** ** **********.  Upon receipt of the Consumer’s
      complete dispute notice, Republic Finance will investigate the dispute, correct
      any inaccuracies that may be discovered, and report back to him.

      Republic Finance
      has reviewed the consumer’s account and determined that a 1099-C has not been
      filed with the Internal Revenue Service for the account. Importantly, if
      Republic Finance cancels or forgives a debt of $600.00 or more, it will file a
      Form 1099-C (Cancellation of Debt) with the Internal Revenue Service as allowed
      or required by law. Republic Finance will send a copy of any filed Form 1099-C
      to the respective consumer’s last known mailing address.



                    If
      you have any questions or additional information, please feel free to contact
      me.

      Sincerely,
      **** *****
      Compliance Supervisor

      Customer Answer

      Date: 08/26/2023



      Complaint: 20462217



      I am only rejecting this response because I want to show you the receipt with the tracking number. All of what was asked is being sent certified to the address that was posted from the response. Please find attached document of receipt with tracking number. All necessary paperwork will be sent to the address listed by Republic Finance. 



      Sincerely,



      ****** *******
    • Initial Complaint

      Date:08/08/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Republic Finance. I do not have a contract with Republic Finance they did not provide the original contract as I requested.

      Business Response

      Date: 08/18/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated August 11, 2023. It is our goal at Republic Finance,
      LLC (“Republic Finance”) to provide excellent service and we
      welcome the opportunity to address the concerns of our customers. Please allow
      this to serve as Republic Finance’s response to case #20439929.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer’s name, out
      of this response. Instead, we refer to the consumer as “the Consumer.”

      Republic
      Finance immediately reviewed the Consumer’s statements made therein. Under the
      Fair Credit Reporting Act (“FCRA”), Republic Finance is obligated to
      investigate credit disputes that are complete and meet certain
      requirements.  According to the FCRA, a
      dispute notice is complete when it is submitted in writing directly to the
      creditor (i.e., not through a private, non-profit organization such as the BBB)
      and includes the following: (1) sufficient information to identify the account
      in dispute (e.g., consumer's full name, address, telephone number, and account
      number); (2) the specific information that is being disputed and an explanation
      of the basis for the dispute; and (3) all supporting documentation or
      information to substantiate the dispute, to the extent available (e.g., a copy
      of the relevant portion of the consumer report that contains the allegedly
      inaccurate information, a police report, a fraud or identity theft affidavit, a
      court order, or account statements). Therefore, Republic Finance has determined
      the Consumer’s credit dispute is incomplete because it does not meet all of the
      three afore-mentioned requirements.  If the
      Consumer has any additional information to satisfy the requirements set forth
      above, she is welcomed to submit a complete dispute notice directly to:
      Republic Finance, LLC, Attn: Credit Dispute Team, 7031 Commerce Circle, Suite
      100, Baton Rouge, LA 70809-1394.  Upon
      receipt of the Consumer’s complete dispute notice, Republic Finance will
      investigate the dispute, correct any inaccuracies that may be discovered, and
      report back to her.

                    If
      you have any questions or additional information, please feel free to contact
      me.

      Sincerely,
      **** *****
      Compliance Supervisor
    • Initial Complaint

      Date:07/27/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have called and left 2 voicemails asking them to stop the payment scheduled for this coming Friday, July 28th. I informed them I have obtained an attorney and I am currently in an active bankruptcy case. I simply asked for the payment to be canceled now thst im in an active case and to let me know when it is cancelled. However they will not call or email me like I asked therefore I am worried they’re going to try and draft it and bounce my account.

      Business Response

      Date: 08/02/2023

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 27, 2023.  It is our goal at Republic Finance, LLC
      ("Republic Finance") to provide excellent customer
      service and we welcome the opportunity to address the concerns of our
      customers.  Please allow this to serve as
      Republic Finance's response to case #20382148.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      Upon
      receiving his complaint, Republic Finance immediately investigated the
      statements made therein. Additionally, Republic Finance’s Branch Manager received
      the consumers request to cancel any future automatic payments on July 26, 2023
      and processed this request on July 26, 2023 to fulfill the desired settlement. Republic
      Finance considers this matter satisfactorily resolved.

      If you
      have any questions or additional information, please feel free to contact me.

      Sincerely,
      **** *****
      Compliance Supervisor

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