Loans
Republic Finance, LLCThis 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
- 169 total complaints in the last 3 years.
- 57 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:01/30/2025
Type:Billing IssuesStatus: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.
REPUBLIC FINANCE ************** Balance: $5,894.00
REPUBLIC F ********** Balance: $5,417.00
As per IRS regulations, a canceled debt of $600 or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.
It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.
Your company's actions are in clear violation of the Fair Credit Reporting Act (FCRA), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.
It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.
Failure to comply will result in legal action being pursued, including holding the ******** **** ** ******* accountable for willful noncompliance under 15 USC 1681n(a)(1)(A). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.Business Response
Date: 02/03/2025
Dear BBB Complaint Department:
Thank you for
your correspondence dated January 30, 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 #22872796. 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.
If
you have any questions or additional information, please feel free to contact
me.
Sincerely,
**** *****
Compliance SupervisorCustomer Answer
Date: 02/10/2025
Complaint: 22872796
I am rejecting this response because:
Sincerely,
******** ***** ******Initial Complaint
Date:01/27/2025
Type:Billing IssuesStatus: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.
Republic Finance received my check for a payment on a Loan in their after hours drop box and never deposited it. I received an email indicating my payment was going to be late I went to the local office, they HAD MY CHECK. I informed them I received a late notice, they apologized and said they got my check in the drop box but it was misplaced because of the 'Holidays'.
I completely lost trust with them so I paid off the entire balance of this loan and they gave me the check from November that I had placed in the drop box back.
They then reported me being late and my credit score took a 60 point hit.Business Response
Date: 02/10/2025
Dear BBB Complaint Department:
Thank
you for your correspondence dated January 27, 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 #22863007.
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 her
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 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 SupervisorInitial Complaint
Date:12/26/2024
Type:Billing IssuesStatus: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.
Dear BBB Representative or To Whom It May Concern,
I am writing to file a formal complaint regarding Republic Finance's inaccurate and misleading reporting practices on my Experian credit report. Below are the details of the account in question:
Creditor Name: Republic Finance
Account Number: *************
Original Balance: $2,073
Current Status: Charged Off and Past Due
Issue:
The account is being reported as "charged off" while simultaneously reflecting a "past due" balance of $1,898. This dual reporting is inconsistent with the Fair Credit Reporting Act (FCRA), which mandates that information furnished to credit reporting agencies be accurate, complete, and not misleading.
Additionally, since the account was charged off in June 2019, I should have received a 1099-C (Cancellation of Debt) form for tax purposes. To date, I have not received this form, which further suggests irregularities in Republic Finance's handling of this account.Business Response
Date: 01/07/2025
Dear BBB Complaint Department:
Thank
you for your correspondence dated December 26, 2024. 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 #22730170. 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 December 21, 2024,
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 SupervisorInitial Complaint
Date:12/17/2024
Type:Billing IssuesStatus: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.
Republic Finance stole around $600 from me through overcharged interest rates. Each month they added an additional $20 to my account for the 3 years which comes to the previous stated total. When you log in to your account each month, the only thing it shows is the amount you owe minus an interest rates, etc. Each time I called to inquire about this, all management would say is they did not know why this is all that was showing each month. They denied this was happening, but I kept my own records and then asked them about the additional $20 each month and one manager said it was interest. I explained to him again that I could not really see what was happening with my account. Each time I inquired, I received a different answer.Business Response
Date: 12/17/2024
Dear BBB Complaint Department:
Thank
you for your correspondence dated December 17, 2024. 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 #22694710. 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 December 16, 2024,
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 SupervisorCustomer Answer
Date: 12/17/2024
Complaint: 22694710
I am rejecting this response because it does not matter.
Sincerely,
******** ****Initial Complaint
Date:12/11/2024
Type:Billing IssuesStatus: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.
The loan in question was charged off, and as per standard reporting practices, it should appear on my credit report as a charge-off only for the month in which it was charged off. However, the company has been reporting that this account has been reported as a charge-off every single month for the past three years. This repeated reporting is incorrect and does not comply with established credit reporting guidelines. In addition they will not give me the 1099-C showing that the account as been charged off and I have been contacted by a collection agency. (Please see the attached)Business Response
Date: 12/17/2024
Dear BBB Complaint Department:
Thank
you for your correspondence dated December 11, 2024. 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 #22674261. 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 December 10, 2024,
which is substantially the same as this complaint that she filed with the BBB. Republic
Finance responded to the CFPB complaint on December 16, 2024. Republic Finance has
completed an investigation and mailed a letter under separate cover detailing
the results. Republic Finance considers this matter closed.
If you
have any questions or additional information, please feel free to contact me.
Sincerely,
**** *****
Compliance SupervisorInitial Complaint
Date:12/07/2024
Type:Billing IssuesStatus: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 was asked by a family friend to co-sign on a loan and with much hesitation, I finally decided to see what I could do to help him out. Much to my chagrin, the ensuing "credit check" not only resulted in a "ding" to my credit report though they SAY you can pre-qualify with no impact. *******************************/ It should have been a soft check, not a hard check -as their website advertising states- and not only that, but after checking my credit, an employee of the company (Erica?) participated in a DATA BREACH that caused information on my credit report to be released and leaked OUTSIDE of the agency without my permission. They did not have permission from me to leak confidential information to the individual that was specifically for business use only. They should pull the hard check off my credit report immediately and apologize for giving out my personal information over the phone to someone who was not authorized to have it.Business Response
Date: 12/17/2024
Dear BBB Complaint Department:
Thank you for
your correspondence dated December 7, 2024. 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 #22653142. 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, **** ******** ******* ***** **** ***** ****** ** **********. 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 SupervisorInitial Complaint
Date:12/02/2024
Type:Billing IssuesStatus: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.
The purpose of my e-mail is due to the lack of communication with Republic Finance Company and my self. I am facing finical hardships, declining health, I was placed on a reduced payment plan. Without my knowledge I am making payments in the amount of $160.00 each month to work on paying my account with Republic Finance Company and myself . I was removed from the program without notification of any form be it a cellphone call, letter. not even a certified action so that I would be able to have open dialogue with the Finance Company. I receive threats of what I need to do before the company begins to remove items from my home. I am at the end of my rope. I would like to receive the opportunity to work this problem out, however I am unable to do so by my self. This is a company that I remained loyal to this company for. It is sad but true I understandable when I allowed this company to use me instead of aiding me with other option to pay my bill in such away to still feed myself. I am sixty-one years of age with lung cancer, and many other health problems. I am simply requesting what is fair in this situation. What if any options do I have without destroying or removing my property along with my credit?
Best regards
Linda Sue Garrett-Hightower
.Business Response
Date: 12/10/2024
Dear BBB Complaint Department:
Thank
you for your correspondence dated December 2, 2024. 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 #22622874. 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 twice on December 3, 2024, and December 4,
2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on
December 10, 2024 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 SupervisorInitial Complaint
Date:11/26/2024
Type:Billing IssuesStatus: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.
REPUBLIC FINANCE
7031 Commerce Cir. Baton Rouge, LA 70809
50587****
BAL: $3,358.00
PLEASE REMOVE IT FROM MY CREDIT REPORT.Business Response
Date: 12/05/2024
Dear BBB Complaint Department:
Thank you for
your correspondence dated November 26, 2024. 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 #22603753. 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.
If
you have any questions or additional information, please feel free to contact
me.
Sincerely,
**** *****
Compliance SupervisorInitial Complaint
Date:11/21/2024
Type:Billing IssuesStatus: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 feel like I’m being harassed from them. I know I might be a little over a week late, making my payment, but I’m caught up until the payment that’s due now that’s a few weeks past due. And today I received two phone calls with voice messages and a text message all within an hour. This isn’t the first time they’ve done this. It is getting to the point where they don’t even give you time to respond back because people do work and we can’t just answer the phone, and it was only an hour and I received two phone calls and a text message and they both left voicemails. I thought they can only call once and leave one voice message. And a lot of times they are rude when you do talk to them. I work in customer service I do home health been doing it for many many years and I think everybody deserves respect and a little courtesy when you’re talking to them to me if you can’t at least be nice and understanding then you don’t need to be in customer service that’s why I always go on the app to make my payments so I don’t have to talk to none of them.Business Response
Date: 11/26/2024
Dear BBB Complaint Department:
Thank
you for your correspondence dated November 21, 2024. 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 #22588800. 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 calls
regarding her account going forward. Upon receiving this complaint, Republic
Finance investigated this matter immediately and removed the Consumer’s phone
numbers from her account. Additionally, Republic Finance has notated the
account to reflect her request that Republic Finance not contact her going
forward regarding this debt.
If you
have any questions or additional information, please feel free to contact me.
Sincerely,
**** *****
Compliance SupervisorInitial Complaint
Date:11/21/2024
Type:Billing IssuesStatus: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.
They put a garnishment on my check and have now taken out $679.65 over and there is no real way to get in contact with them about getting my money back.Business Response
Date: 12/05/2024
Dear BBB Complaint Department:
Thank you for
your correspondence dated November 21, 2024. 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 #22587602. 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
Republic Finance, LLC is NOT a BBB Accredited Business.
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