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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 304 locations, listed below.

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    Customer Complaints Summary

    • 169 total complaints in the last 3 years.
    • 57 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:08/02/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 tried several times speaking with the manager to get a situation resolved to no avail. The manager constantly states she will call me back but will not. She has lied several times about policy and procedures. She will not give me straight answers nor will she help me resolve my issue. I need someone to help me resolve my issues not create more.

      Business Response

      Date: 08/16/2022

      Dear BBB Complaint Department:



      Thank you for your correspondence dated August 3, 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 #18030830. 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 5, 2022, and reached a mutually agreeable resolution, with the Consumer on August 5, 2022. Republic Finance mailed a letter under separate cover to the Consumer on August 16, 2022 regarding the resolution. 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:07/26/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      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 borrowed $3000 on a 36 month payback plan. I paid $6000. The interest rate is never ending. How can a payment be on the 5th and the interest is already continued. This is robbery!

      Business Response

      Date: 08/12/2022

      Business Response /* (1000, 5, 2022/08/02) */
      Dear BBB Complaint Department:

      Thank you for your correspondence dated July 27, 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 #XXXXXXXX. 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 discussed the matter in detail, and reached a mutually agreeable resolution, with the Consumer on July 29, 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:07/26/2022

      Type:Sales and Advertising Issues
      Status:
      Resolved
      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.
      Transactions from 02/04/2021-07/06/2022 (more future payments as well)
      I acquired an installment loan from Republic Finance in the amount of $3,043.62. I have made a total of 17 payments in the amount of $170.00 (the original minimum payment was on $165.00). I went into my local branch in Rockmart, GA to receive a breakdown of my payments and how they were applied. Firstly, the schedule was not precise enough. I had to call back and get further clarification from a representative. She was nice enough to tell me that the extra 5.00 a month was being applied to principal, but I wanted to actually SEE if broken down for my own records. Additionally, I asked how much I would have to pay in order to close the loan, she advised $1,689.26. I have already paid $2,890.00 in payments. If I do the math correctly, I would only need to pay $153.62 to pay back what I borrowed.

      Hopefully, you all are willing to settle this account. I am willing to pay 200.00 to close the account. Not only did you receive the money back that you loaned, you will receive interest as well. Please consider or contact me to discuss alternative measures. Also, I have not ever been late with payment. You have lost a client due to your insane interest rates. Now that I have improved my credit tremendously, I will no longer seek out companies who take advantage.

      This is in no way your fault for being predatory, but my judgement. I just would like you all to reconsider how you do financial interest, especially if you do not run into issues with customer who pay on time or a little more.

      Best!

      Business Response

      Date: 08/05/2022

      Business Response /* (1000, 5, 2022/08/03) */
      Dear BBB Complaint Department:

      Thank you for your correspondence dated July 27, 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 #XXXXXXXX. 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 2, 2022, and reached a mutually agreeable resolution, with the Consumer on August 2, 2022. Republic Finance mailed a letter under separate cover to the Consumer on August 3, 2022 regarding the resolution. 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


      Consumer Response /* (2000, 7, 2022/08/04) */
      (The consumer indicated he/she ACCEPTED the response from the business.)

    • Initial Complaint

      Date:07/25/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      *** and ***** ******. Before i state anything I would like to let it be known the ladies that work in the local office in Columbus Ms were more than nice to us. What Republic did to us was more than un moral. We talked to a guy at there regional office which did nothing but lie about calling us back and state rules. I have paid off many loans to republic and this loan even came about cause we has just paid off the previous loan. They repossessed our vehicle way too soon. I was sick and missed work. We were 2 payments behind then a 3rd came due. We paid one of the payments and they repoed a week later. Talked to the ride man at the regional guy said they have the rite to repo after 2 weeks late if they chose. I do not think its fair ethical or moral to repo on someone that was clearly trying to make an effort. Ecspecially a 16 year customer who has paid off many loans on time. This was my first tome to get that behind on those 16 years. I do not think its fair to further hurt us on our credit report when the repo should not have been done in the first place. I think the regional guys name was Rodney but not sure. We for behind with ally financial all the same and they said it was 90 days before then even thought about a repo. To take someones $450 payment and still repo a week later is as unethical as it gets.

      Business Response

      Date: 08/08/2022

      Dear BBB Complaint Department:



      Thank you for your correspondence dated July 26, 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 #18030776. 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 July 27, 2022, and August 8, 2022, but was unsuccessful in his attempts. Republic Finance mailed a letter on August 8, 2022 to the Consumer requesting that he 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

    • Initial Complaint

      Date:07/18/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      To Whom it may concern,

      This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

      REPUBLIC FINANCE, LL ACCT #: XXXXXXXXXXXXX BAL. $656.00

      Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 08/04/2022

      Business Response /* (1000, 5, 2022/07/25) */
      Dear BBB Complaint Department:

      Thank you for your correspondence dated July 19, 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 #XXXXXXXX. 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."

      In his complaint, the Consumer disputes the way certain information regarding his Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer's complaint and his statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.

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

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

    • Initial Complaint

      Date:07/15/2022

      Type:Sales and Advertising Issues
      Status:
      Answered
      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 collection from Republic finance which mailer are received in a very desperate, financial hardship. It was my only recourse at the time to try to pay for my utilities before they were going to be cut off. I did not know that the interest rate was so high for this much higher than anything I had ever seen. The payments and the length of time that would be required to pay this off would not be something I'd be able to do. An attorney is told me that this is a predatory loan.

      Business Response

      Date: 08/06/2022

      Business Response /* (1000, 5, 2022/07/27) */
      Dear BBB Complaint Department:

      Thank you for your correspondence dated July 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 #XXXXXXXX. 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 July 22, 2022, July 25, 2022, and July 27, 2022, but was unsuccessful in his attempts. Republic Finance mailed a letter on July 27, 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

    Republic Finance, LLC is NOT a BBB Accredited Business.

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