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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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    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:03/24/2025

      Type:Billing 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 am writing to inform you that a fraudulent account has been opened in my name with your institution. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:

      Creditor Name: REPUBLIC FINANCE

      Opened Date: 2/1/2022

      Account Number: *************

      High Credit: $2,490.00

      I request that you close this account immediately and remove any negative information associated with it from my credit report. Furthermore, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

      Thank you for your prompt attention to this matter.

      Business Response

      Date: 03/28/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated March 24, 2025. 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 #23106809. 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 her
      complaint, the Consumer disputes the way certain information regarding her
      Republic Finance account is being reported to the credit reporting agencies. Republic Finance
      immediately investigated the Consumer’s complaint, and her 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:03/24/2025

      Type:Billing 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 entered a loan with Republic in January of 2025 and set up an auto payment arrangement to pay a starting payment and then a monthly payment on the 20th of each month.

      The account was set up for payments on the 1st of April 2025 which could result in a 19-day delinquency of my loan payments. When I discuss this issue with a Representative of Republic I was told “Mr.* **** you are two months in advance of your payments that should not make a difference”. I had to remind her that any internal audit of my account in the future would indicate that this payment did not occur on its designated date. I was then told that Republic has only three payment dates, the 1st, another date after that and the 15th. Therefore, I requested and was granted a change of payment due to the 15th of the month.
      Another issue that I discussed with Republic was statements made in monthly emails about my auto pay. The email would include the following statements, “Please ensure that you have sufficient funds in this payment account to satisfy your upcoming payment.” I ask Republic to resend sending me this email or remove this advisement from the email because it is received as derogatory and defamatory. I drafted the following memo and requested that it be placed in my file.
      “After repeatedly informing your company that the email you send is insulting, on February 25, 2025, you continue to issue insulting notifications. Therefore, as of this date your company has been placed on my spam list and blocked from access to my email address.
      If you need to contact me a written notification can be forwarded to my mailing address. This action has been taken to protect my health and mental stability. I don’t need nor will I allow and entity to disrupt my sanctity of life. Furthermore, should I receive any notification in my mailing address that continues to violate my privacy, that information will be forwarded to the United States Postal Service, and the Better Business Bureau.

      Business Response

      Date: 04/07/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated March 24, 2025.  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 #23103475.  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 his
      complaint, the Consumer states that he has requested Republic Finance cease sending
      emails and letters regarding his account going forward. Upon receiving this
      complaint, Republic Finance investigated this matter immediately and removed
      the Consumer’s email address from his account. Additionally, Republic Finance
      has notated the account to reflect his request that Republic Finance not mail him
      going forward regarding this debt. We consider this matter resolved.


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

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

    • Initial Complaint

      Date:03/19/2025

      Type:Billing 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.
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter.

      REPUBLIC FINANCE
      ACCOUNT no.: 769900006
      DATE OPEN: 01/01/2023
      BALANCE: $3,195.00

      Business Response

      Date: 03/27/2025

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated March 19, 2025. 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 #23085651.  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 welcome 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.
      Republic Finance will mail a letter under separate cover to the Consumer detailing
      the actions taken in response to her complaint.

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

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

    • Initial Complaint

      Date:03/18/2025

      Type:Billing 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 - *************** - $0

      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: 03/26/2025

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated March 18, 2025. 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 #23080960.  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.
      Republic Finance will mail a letter under separate cover to the Consumer to
      honor his request for a copy of the original contract.

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

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

    • Initial Complaint

      Date:03/13/2025

      Type:Billing 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 had an account with Republic Finance that was charged off and sent to legal. The account was paid off through the attorney and dismissed with prejudice. Afterwards Republic Finance updated my credit report to reflect paid after settlement. They then proceeded to create an additional account number and add a new account to my credit report as a new loan with an additional amount. This is unethical and should immediately be removed from my credit report. I would like for the entire mention of Republic Finance to be removed from my report as they used unethical tactics.

      Business Response

      Date: 03/21/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated March 13, 2025. 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 #23058816.
      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 her
      complaint, the Consumer disputes the way certain information regarding her
      Republic Finance account is being reported to the credit reporting agencies. Republic Finance
      immediately investigated the Consumer’s complaint and her statements made
      therein. Republic Finance has honored the Consumer’s desired resolution and is committed to providing the credit reporting
      agencies with accurate information. We are 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:03/12/2025

      Type:Billing 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 am writing a complaint from the business here in Huntsville Alabama. I called in January to report i was and needed to know my options for making payments forward on my account to not get behind I was told i can get a deferment or payment plan of 100.00 but know they say i owe 174 with an upcoming payment in march pending. I branch manager was disrespectful to me and degrading me over the phone when i needed help. I need to file a police report for aggressive language from said branch owner. I spoke with a supervisor who is trying to help but the branch manager is not responding to her and she is from the main office. to help get me a deferment option.the company is not trying to take responsibility of the actions and choice of words used towards me and not looking to help for me to get payments on my account. I need a higher up manager to help me during this time.

      Business Response

      Date: 03/20/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated March 12, 2025.  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 #23056702.  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 March 13, 2025, and reached a
      mutually agreeable resolution with the Consumer on March 13, 2025. 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: 03/26/2025



      Complaint: 23056702



      I am rejecting this response because: I have not gotten a response and needs meet  with  this company. they continue to not response to emails, phone, or letter on the portal.   



      Sincerely,



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

      Business Response

      Date: 03/31/2025

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated March 26, 2025 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint
      Case #23056702.  Please allow this to
      serve as Republic Finance’s response to the Consumer’s rebuttal to our response
      submitted to the BBB on March 20, 2025 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 March 27, 2025, and confirmed with the Consumer that she had
      agreed to a mutually agreeable resolution on March 13, 2025. The Consumer
      stated that she confused our response with another lender. 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:03/04/2025

      Type:Billing 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.
      Republic Finance will not let me make a payment back in January because they said I missed one month which was December one issue that happenedwith them when they wrote down the incorrect numbers of my checking account number so they did not deduct my payment for November so that was their side that was their fault After finding out on my own that they have filed to garnish my wages because I didn’t make a payment I had to make all phone calls. I talked to the court and I talked to the Board Of Education to see what was going on and nobody called me. Nobodysent me some email. Nobody sent me a letter from their company saying that they were going to go to my wages Republic Finance did not contact me. They said they called but I never answered. I do not answer spam calls that is not. I don’t do that. I don’t answer anybody that does not That I do not recognize. They did not leave a message for me to call them so finally, we work things out. I paid $460 is three payments December January and February so I called today to make a payment and they said no they were gonna take a payment becauseI have to pay for the court Fee Which was due to them having to file papers to garnish my wages for the recent problem. I’m very unhappy with this business and the way they things they do not contact you and their way of fixing things is just not even does not make sense. They’re very rude people They do not contact you about anything you have to find out on your own. I don’t like the way they run their business.

      Business Response

      Date: 03/17/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated March 4, 2025.  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 #23004124.  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 reverse
      a wage garnishment filed and to waive the court cost taken out of a payment
      made. Republic Finance immediately investigated the Consumer’s complaint, and her
      statements made therein. Republic Finance has honored the Consumers requested
      desired settlement 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

      Customer Answer

      Date: 03/17/2025



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23004124, and find that this resolution is satisfactory to me.




      Sincerely,



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

    • Initial Complaint

      Date:02/21/2025

      Type:Billing 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.
      Pursuant to 15 U.S. Code § 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code § 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

      Business Response

      Date: 03/04/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated February 21, 2025. 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 #22971283.
      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 her
      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 her 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 investigation
      of this matter.

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

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

    • Initial Complaint

      Date:02/05/2025

      Type:Billing 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.
      Beginning in August of 2024 for several weeks I called in order to get a settlement amount, the branch manager tried herself and eventually got on in October. At this point my consolidation had expired and I asked if they would be willing to break it down into payments. She advised that isn’t normally how it’s done and told me to contact the 1-833 number. As always, never able to speak with someone on the phone and was directed to email the lady over my account in collections. The branch told me I had until the end of November. December 2, I contacted the branch ti make a payment and was advised they could not take any payments from me and I had contact the number above. Tried several times via email and phone. December 20 I received a letter from an atty. I contacted their office and was told to call the branch. I did and again was referred to the main line. Again no response. January I advised Ms. Bush that I had mailed 2 payments and they haven’t been cashed. She responded with the main number and told me not to mail anything to her being she is remote employee. I asked her to advise the branch due to receiving the letter and they were unable to speak to me, again no response. I called the attorneys office and was told that the suit had been filed due to not hearing from me. The branch states that there’s no record of me speaking to the or no copies of emails to the main branch and that i huge contradicting information when in fact it’s their office doing all of this. I asked that they pause the suit even after providing emails of contact to try to resolve and they have refused and basically don’t care if I get fired oor not. This is embarrassing and I’m not sure what else to do.

      Business Response

      Date: 02/12/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated February 5, 2025.  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 #22900184.  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 to make
      a settlement agreement offer and suspend legal action. Republic Finance
      immediately investigated the Consumer’s complaint, and her statements made
      therein. Republic Finance has honored the Consumers requested desired
      settlement 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

      Customer Answer

      Date: 02/12/2025



      Complaint: 22900184



      I am rejecting this response because suit was filed against me. The matter has been taken care of with their attorney. However, due to the fact that I was unable to get a response within a timely manner and the Alexandria location did not provide sufficient information to their attorney as requested. Due to this, a suit was filed and is now public knowledge and I do not like the fact that my personal business can now be obtained. It was embarrassing and could have put me at financial risk. The damage has been done not only mentally but also to my credit and/or credit worthiness. None of the communication was recorded on my end with the company and they have my case viewed as non - compliant; which has been reported to other businesses. 



      Sincerely,



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

      Business Response

      Date: 02/12/2025

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated February 12, 2025 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint
      Case #229001884.  Please allow this to
      serve as Republic Finance’s response to the Consumer’s rebuttal to our response
      submitted to the BBB on February 12, 2025 regarding this matter.

      Republic Finance
      immediately investigated the Consumer’s rebuttal and her statements made
      therein. Republic Finance has already provided a final response to this
      matter. Additionally, 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 has mailed 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

      Customer Answer

      Date: 02/20/2025



      Complaint: 22900184



      I am rejecting this response because had Republic Finance followed proper protocol, this issue wouldn’t even be in existence. This matter is no longer in active litigation; therefore, I would appreciate you honoring my wishes.



      Sincerely,



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

    • Initial Complaint

      Date:01/31/2025

      Type:Billing 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.
      Re:Acct: 138-5752-20485 Republic Finance Settlement Agreement and
      Terms(1/03/2025)
      Dear BBB:
      In reference to this account, original
      balance of $9922.00 as of 4/2022.
      This account had been paid on time prior to this date. I lost my spouse and
      I fell into hard times. This account was
      given to a debt relief company but
      they failed to settle in a timely manner,
      so II released them from handling on
      12/20/2024, plus I was told I should try and reach out to Republic Finance for settlement. I did numerous times,
      Many calls back and forth. I even contacted the collection agency who they gave it to but no longer had it
      because it was too old plus they
      were not able to reach me personally
      because I had relocated and gotten a
      new job and they tried reaching out many times to the relief program that was handling my case, did nothing to
      work with them. I only been told this recently 12/2024 by ****** ****, ******* ***********. So I wanted to
      resolve this matter and that is why I
      made many efforts to resolve because I don’t want to end up in court down the road dealing with this matter. So on 1/2/2025, I sent Republic Finance
      explaining my situation and me settling this debt. On 1/3/2025, around
      2:30pm, I saw that ****, Republic
      Finance Settlement Supervisor had saw my 1/2/2025, email and wanted me to call her and I did around 2:57pm in 1/3/2025. She was very empathetic to my needs and request to settle. She never mentioned the balance but as I held on to phone call, she was saying let me take off these fees. Equifax was saying balance owed $16,041, online website is saying $9047.00 and past due amount $9,385.00, (original balance $9922.00). When she finished she said they will settle with $4,985.00, which is half of the original balance and not $16,041(interest) was added because of non payment!. I was so
      relieved and grateful that she did this,
      Agreement is pay for 18 months at
      $276.95 starting 2/15/2025. She would send out today 1/3/2025. As of
      today has not received!

      Business Response

      Date: 02/10/2025

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated January 31, 2025.  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 #22882274.  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 to honor
      a settlement agreement offer and provide a copy of the settlement agreement to
      her. Republic Finance immediately investigated the Consumer’s complaint, and her
      statements made therein. Republic Finance has honored the Consumers requested
      desired settlement 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

      Customer Answer

      Date: 02/11/2025



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 22882274, and find that this resolution is satisfactory to me.




      Sincerely,



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

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