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

Customer Complaints Summary

168 total complaints in the last 3 years.
57 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:01/05/2023
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.
1.I have never had an account with this company REPUBLIC FINANCE, REMOVE from all credit agencies from reporting.
2.“consumer” means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a (3)
3.This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication
4.I am the “consumer” mentioned in 15 U.S. code §1692a (3) You are REPUBLIC FINANCE the debt collector 15 U.S. Code1692a (5) I am invoking specified remedies under use 15 U.S. code §1692c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code §1692c (c) (1)
5.I am the executor under the 15 U.S. Code §1692c (d) pursing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4)
6.According to 15 U.S. Code §1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code §1692e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code §692f Unfair practices (8)
9.While pursuing to §1692g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code §1692k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of— (1) (2) (A) (B) (3)
Business Response
Date: 01/09/2023
Dear BBB Complaint Department:

Thank
you for your correspondence dated January 5, 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 #18687975. 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 January 5, 2023,
which is substantially the same as this complaint that he 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:12/27/2022
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.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Business Response
Date: 01/09/2023
Dear BBB Complaint Department:

Thank you for
your correspondence dated December 27, 2022. 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 #18629432. 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, 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 him.

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

Sincerely,
**** *****
Compliance Supervisor
Initial Complaint
Date:12/21/2022
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 enrolled my loan with National Debt Relief in order to consolidate and pay off some debt I gained through COVID times. The loan is enrolled. The debt relief company has POA for negotiation for this loan. It has been enrolled in the program for about 5 months. As of December I am getting multiple daily phone calls , being harassed and being harassed at work. I have sent letters, emails notifying the company that I have enrolled the loan into the debt relief program. Still they continue to call me and talk to my coworkers. This is not acceptable and a violation of the Fair Debt Collection Practices Act. The National Debt Relief company had advised me to send the letter to them listing their contact information and the attorney who represents clients like myself to them. It has been sent.
Business Response
Date: 12/23/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated December 21, 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 #18621892. 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."

In her
complaint, the Consumer states that she has requested Republic Finance cease all
communications regarding her account going forward and she is currently
enrolled in a debt relief program. Upon receiving this complaint, Republic
Finance investigated this matter immediately and removed the Consumer’s phone
numbers from her account. Additionally, Republic Finance has removed all other
phone numbers from the Consumer’s account and notated the account to reflect her
request that Republic Finance contact National Debt Relief going forward
regarding this debt. The consumer will not be contacted for any reason
regarding this account.

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

Sincerely,
**** *****
Compliance Supervisor
Initial Complaint
Date:12/12/2022
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 took out a small loan of approximately $1500 over a year and a half ago. When I called the company last spring to use their automated service to see how much I still owed it stated $250. I then started to notice the company was automatically debiting my account two to three times a month towards the end of what should have been paid in full. I decided to log into their website. It stated not only was I behind in payments but my total due was $1859.63. I added up my payments according to what Republic Finance says I had paid which totaled $2018.06. That means out of the $2018.06 I have paid on the loan, only $158.43 had been applied to the loan. I also noticed that randomly, my automated payments would be returned. I believe that is how they scam you and put your status as delinquent and overcharge you as well as put you further behind on interest so they can continue to charge you payments. From all the complaints on this site, I believe a class action lawsuit would benefit everyone. You can sign paperwork but you can't sign your rights away if a company is in the wrong.
Business Response
Date: 12/15/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated December 12, 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 #18560552. 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.
Specifically, Republic Finance’s RVP attempted to reach the Consumer by
telephone to discuss this matter on December 13, 2022, but the phone number
provided in the complaint was disconnected. Republic Finance mailed a letter on
December 15, 2022 to the Consumer requesting that she return our call 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
Initial Complaint
Date:12/01/2022
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.
On 12/1/2022 at 8:59 am EST, I called this business to make a payment of $306. I had previously spoken to a rep regarding my situation as my Husband had emergency surgery and was in the hospital recently for 3 days. My Husband could have died. I got a moment today to try and call to make the payment as I know it was late. Instead of allowing me to make my payment, show empathy and great customer service, I felt belittled, humiliated and enraged about the level of service provided by "*******. Never in my career have I had anyone so rude. I understand the the need for collections however that does not excuse the level of customer service being provided to customers and not having any lack of empathy regarding the situation. I definitely had me boiling as I have been through a traumatic experience that I wish no one has to endure and in doing so my tone and verbiage was unacceptable and out of the ordinary for me. Even in doing so- had she not what I like to call " poke the bear" I wouldn't have reacted the way I did which I shouldn't have at all. I did speak to the branch manager Lacy (Lacie unsure of the spelling) and she was able to take my payment for this month and next month which was never the problem at all. The customer service was the issue. I would like the Reginonal to contact me directly, have ****** written up and never be able to speak to another customer let alone touch my account anymore. Collections is not a bad business. What makes collections terrible are those hired who either lack training, empathy ( understanding) and customer service skills. You can still collect money without being a terrible person.
Business Response
Date: 12/06/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated December 1, 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 #18488495. 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. 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 December 1, 2022, December 2,
2022, and December 5, 2022 but was unsuccessful in his attempts. Republic
Finance mailed a letter on December 6, 2022 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
Business Response
Date: 12/12/2022
Dear BBB Complaint Department:

Thank you for
your correspondence dated December 1, 2022 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint
Case #18488495. Please allow this to
serve as Republic Finance’s response to the Consumer’s rebuttal to our response
submitted to the BBB on December 6, 2022 regarding this matter.

Republic Finance
immediately investigated the Consumer’s rebuttal and her statements made
therein. Additionally, a Republic Finance Regional Vice President discussed the
matter in detail on December 9, 2022, and reached a mutually agreeable
resolution, with the Consumer on December 9, 2022. 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
Customer Answer
Date: 12/12/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 18488495, and find that this resolution is satisfactory to me.

Sincerely,

******* ********
Initial Complaint
Date:11/29/2022
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've been working with Republic for almost a year now. Never late or missed any payments. In late September early October I noticed that the auto system hadn't taken my payment on the 3rd as arranged so I attempted to do it through the phone prompt only to realize it wasn't loading or working. I called the local office and was told they were aware of the problem and I just needed to wait and it would automatically pull it. October 6th still nothing so I called again and did a debit card payment with the local office. I was told by the manager that if I paid him $6 dollars that day it would take care of any late fees, I made it very clear I was not to be held liable for their mistake. I also asked the manager to take me off auto system and I would make my payments. October 31 I made Nov payment. Then I start getting late fee notices, phone calls and I ended up contacting corporate to which I had to file 2 complaints two months in a row. Last week I got yet ANOTHER late fee charge saying my November payment was declined for NSF and I have my bank records showing payment submitted and received. I was told someone from customer escalation would be calling me and today is the 11th day with no phone call. I'm filing a civil suit and filing a complaint with the secretary of State. I'm not paying another dime until this is resolved.
Business Response
Date: 12/06/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated November 29, 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 #18477116. 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 December 1, 2022, and reached a
mutually agreeable resolution, with the Consumer on December 1, 2022. 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
Customer Answer
Date: 12/06/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 18477116, and find that this resolution is satisfactory to me.

Sincerely,

******* *********
Initial Complaint
Date:11/16/2022
Type:Customer Service 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 am an alumna of George Mason University and a member of their career website: *********************.

I have degrees in communication (BA and MA) and history (BA and MA). I clearly state in my Handshake profile that I am not interested in jobs in finance because I have no training or skills in that area.

***** ********, however, has sent me multiple emails inviting me to apply for finance positions with his company, including at least two messages after I asked him not to contact me.

This communication is harassment.
Business Response
Date: 11/18/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated November 16, 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 #18411668. 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 Talent Acquisition Manager
reached out to the consumer by email on November 16, 2022, and reached a
mutually agreeable resolution, with the Consumer on November 16, 2022. 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
Customer Answer
Date: 11/21/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 18411668, and find that this resolution is satisfactory to me.

Sincerely,

********* *******
Initial Complaint
Date:11/11/2022
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 had an account with Republic Finance for years. In April I called and updated my employer information including employer phone number. When I was last on a payment (completely forgotten on my part) Republic posted the late payment to my credit report after never trying to contact me at my new job. When I called to have this corrected I was told that there was no notes in their system of my call. They had other calls noted but not the one where I updated my phone numbers so that they were able to reach me.
Business Response
Date: 11/18/2022
Dear BBB Complaint Department:

Thank you for
your correspondence dated November 11, 2022. 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 #18392811. 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:10/21/2022
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 opened a loan with Republic Finance and paid the first payment back online after setting it up. After the first payment the website stopped working, I attempted to reach out to them to tell about this with no resolution. I had to pay a late fee due to this, there several more complaints about this and I’m fairly certain that this is the way they do business. They let you open the account, pay your first payment and then shut down the website to incur late charges.
Business Response
Date: 10/27/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated October 21, 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 #18290795. 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, a Republic Finance team member discussed
the matter in detail on October 26, 2022, and reached a mutually agreeable
resolution, with the Consumer on October 26, 2022. 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:10/10/2022
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 just received an alert from Equifax: Republic Finance has corrected my June payment to reflect Late versus paid on time. AT NO POINT!, have I been late on a payment with Republic Finance. For a company to report erroneous information to any Credit Bureau is illegal and against the Fair Debt Collection Act.
Business Response
Date: 10/21/2022
Dear BBB Complaint Department:

Thank
you for your correspondence dated October 10, 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 #18188872. 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 October 10, 2022,
which is substantially the same as this complaint that he 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
Customer Answer
Date: 10/22/2022

Complaint: 18188872

I am rejecting this response:
Better Business Bureau (BBB), thank you for providing a response to my complaint from Regional Finance, LLC “Regional Finance”, (Company). However, I do not accept nor agree to the response from the Company. Yes, I filed a complaint with the BBB and the Consumer Protection Bureau (CFPB).

Regional Finance has received my complaints but has failed to take corrective actions nor acknowledge their wrongdoing. The Company knows or should know that inaccurate credit reporting is not acceptable business practice. I do not accept Regional Finance, LLC response because the correction to my payment history still has not been made.

The purpose of my complaint with BBB is have the Company correct my payment history, which I have NEVER been late. Again, something is wrong when a company arbitrary in October change a June payment from paid on time to “Late”. Not once has this Company notified me to give a rationale for this change.
The purpose of my compliant with the CFPB to highlight the business practices of Regional Finance, LLC’s violation of consumers under the Fair Credit Reporting Act.

Sincerely,

“Consumer”

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Republic Finance LLC

Republic Finance LLC

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Initial Complaint

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Initial Complaint

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Republic Finance, LLC is NOT a BBB Accredited Business.

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Complaints

Customer Complaints Summary

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Republic Finance, LLC is NOT a BBB Accredited Business.