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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

    • 168 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:09/04/2024

      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 a personal loan with Republic Finance and got too deep in debt and started working with a debt consolidation company in July of last year. I have completed a settlement with Republic Finance in February of this year and they continually report negative and false information on my credit history.

      Business Response

      Date: 09/17/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated September 4, 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 #22239200.
      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:09/03/2024

      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 fell behind on paying the loan and they sued me first chance they didnt try to contact me nothing and I fell behind due to medical reasons and a death in the family and when i told them this they did not even try to work with me. Also I never filed for a loan with republic finance and I want to know how they got all my information. I shouldnt have to pay 800 in lawyer fees and court cost due to extensive medical reasons that this company didnt even try to work with me at all.

      Business Response

      Date: 09/12/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated September 6, 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 #22231710. 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 September 10, 2024, and September 12, 2024,
      but was unsuccessful in her attempts. Republic Finance is mailing a letter on September
      13, 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 the RVP.

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

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

    • Initial Complaint

      Date:08/23/2024

      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 not aware of my actual contract amount. I owe . The credit report reflects $9635. I was offered a modification in 2023, and the amount was for 175.00, while paying that they said I wasn’t paying and served me a court hearing in June by the sheriff department. Then they realize I was paying it. They now are telling me they dropped the court case against me. The manager will not send me any documents that it’s been dropped or I have requested my original contract and the amount I owe now. They will not send me any documents, but is requesting that I continue to start back paying the modification of 175.00. Please help assist me in this matter.

      Business Response

      Date: 09/06/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 23, 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 #22185246. 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 August 26, 2024 and September 4, 2024 but
      was unsuccessful in his attempts. Republic Finance mailed a letter on September
      6, 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 Supervisor

    • Initial Complaint

      Date:08/23/2024

      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.
      My wages are being currently garnished since July of 2024. I am now being contacted since 08/20/2024 up until today 08/22/2024 with attempts to collect payments while I am under a garnishment order. The papers that were served, were given to a minor (age 11) and not to me as I was not home. This occurred twice. The only reason I was made aware of being served, was after I received a garnishment letter in the mail. I then attempted to contact Republic Finance several times, they ignored all calls. Prior to them filing i had been paying on time and monthly until i had an unfortunate event where my mortgage was compromised. I called and had payment arrangements set up. Payments were set on auto pay. 2 weeks later I had fraudulent activity in which caused me to have to cancel my Capital One card and wait on a new one. I let them know that this occurred. I guess during this time, they began litigation. It is not a fair practice to serve documents to minor child. I never received documentation that notified me of a court date at all. After tracking down the documents given to a minor, there is nowhere in the document that states a court date. Nor is it fair to call demanding payments with threats of turning the account over to collections and charge off when payments are being garnished.

      Business Response

      Date: 09/03/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 23, 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 #22182046. 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 August 23, 2024, August 26, 2024, and August
      29, 2024, but was unsuccessful in his attempts. Republic Finance mailed a
      letter on September 3, 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 Supervisor

    • Initial Complaint

      Date:08/22/2024

      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.
      Republic Finance has been very unprofessional. I had a loan and due to circumstances beyond my control I had to make payment arrangements. The branch agreed and payments were made. After making payments this company began garnishment of my wages. I advised them they stated they would take care of the issue. Each call to the office and the attorney they hired you get a fraudulent answer. How is it legally possible for this combo take payment from me in addition to garnishment. I am beyond disgusted with Republic. As of today after months of trying to have Republic as well as the attorney they hired to STOP ASAP with garnishment nothing. I have paid almost $7k to this company and there attorney. Republic is only hurting honest people who have made pay. Totally unacceptable. The branch manager the receptionist clearly are trained to lie to the customers. Republic has been dishonest with the entire loan process's. The company should be investigated immediately. I have read multiple complaints clearly all the same this is shameful. People are struggling these days and you all continue to take advantage of honest hard working people who fall short. I am requesting a call with a resolution to stop this garnishment immediately and return any monies owed to me. Last note I was also told they would make sure no interest was taken would be waived that didn't happen either so it's all loan practices.

      Business Response

      Date: 09/05/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 22, 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 #22178327.  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 August 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 Supervisor

    • Initial Complaint

      Date:08/07/2024

      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.
      Republic financial does unethical business, My original loan was for 2700 started in 2021 as of today I have already paid 4000 and still have a balance. When I signed up for the loan I was never told I was paying for the insurances on the account. If I did not have all the insurance and was told upfront about that and gave me the option before I took the loan I would’ve never signed up for this. Completely wrong. This is ridiculous. They shall inform people in detail what they sign up for.

      Business Response

      Date: 08/12/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated August 7, 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 #22103210.  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 9, 2024 and reached a
      mutually agreeable resolution with the Consumer on August 9, 2024. We mailed a
      letter under separate cover detailing the corrective action taken. 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:07/28/2024

      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 never applied for a loan with this company. My identity had been compromised and a loan of $8127 was allowed to be opened in my name. Now my credit is suffering. I will be filing paper work with the ftc, police and refuting this on my credit report. They need to correct this fraudulent loan that was created in my name.

      Business Response

      Date: 08/07/2024

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated July 28, 2024. It is our goal at Republic Finance,
      LLC (“Republic Finance”) to provide
      excellent service to our customers and we welcome the opportunity to address
      their concerns.  Please allow this to
      serve as Republic Finance’s response to Complaint Case #22055337.  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 is committed to helping our customers who may be
      victims of identity theft or fraud and takes its obligation to protect consumer
      information from identity theft, fraud, and unauthorized access very seriously.
      Upon receiving the Consumer’s complaint, Republic Finance immediately
      investigated the matter and took appropriate action. Republic Finance is
      mailing a letter under separate cover to the Consumer regarding the resolution
      of this matter. 

      If the Consumer would like to have his name
      and contact information removed from the marketing lists of the credit bureaus
      so that she does not receive pre-approved offers of credit from other
      companies, he can contact each of the three major credit bureaus and request
      that his name and contact information be removed. The credit bureaus may be
      contacted as follows: (1) by telephone – at 1-888-567-8688 to request removal,
      or (2) by letter – write to the following addresses to request removal:
      Experian, Inc., P.O. Box 919, Allen, TX 75013; TransUnion, TransUnion Removal
      Option, P.O. Box 505, Woodlyn, PA 19094; Equifax, P.O. Box 740123, Atlanta, GA
      30374-0123.

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

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

    • Initial Complaint

      Date:07/28/2024

      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.
      Subject: Dispute of Fraudulent Account Reported by Republic Finance

      Dear Experian,

      I am writing to formally dispute a fraudulent account that is currently being reported on my credit report by Republic Finance. This account is not mine, and I believe it to be the result of identity theft.

      The details of the fraudulent account are as follows:

      Creditor Name: Republic Finance
      Account Number: 119267XXXXXXX
      Date Reported: September 07, 2017

      Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons:

      Inaccuracy: The account listed does not belong to me, and I have never had any dealings with this creditor.
      Identity Theft: This account was opened fraudulently using my personal information.
      To support my dispute, I have enclosed the following documentation:

      I request that Experian conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete.

      Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify Republic Finance of the deletion of the account from my credit report.

      If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above.

      Thank you for your prompt attention to this matter.

      Sincerely,

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

      Business Response

      Date: 08/01/2024

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated July 28, 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 #22054595.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer’s name, out
      of this response. Instead, we refer to the consumer as “the Consumer.”

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

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

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

    • Initial Complaint

      Date:07/18/2024

      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 was lied to, misled multiple times by the people in this office, the first time they served me, I was told as long as I paid $75 a month, they wouldn’t file legal, yet they did. Time pass by, I continue to pay the $75, and I receive a paper regarding a garnishment. I call the same day and speak to ****, I explained to her how I could not financially afford the garnishment, she says nothing can be done due to the legal team already filing, and this was a lie because ******** the manager stated, it could’ve been stopped that day. I worked with ******** on 7/17 she tells me yes, I can try to get processed for $35, I say okay, I had to go &my card, I call back, and **** says no she meant $75, another lie, I am not pleased with my experience at all as I have always been on time prior to experiencing two layoffs while caring for my special needs son. I don’t understand why people try to make it harder for people already having a hard time as it is. I need my $75 back, I can’t afford to pay that plus a garnishment. & I don’t want to work with **** regarding my help because if helping is an option on the table why wasn’t it done?

      Business Response

      Date: 07/25/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 18, 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 #22008250.  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 July 23, 2024 and reached a
      mutually agreeable resolution with the Consumer on July 23, 2024. Republic
      Finance considers this matter satisfactorily resolved.

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

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

    • Initial Complaint

      Date:07/16/2024

      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.
      My wages were garnished on a debt that I owed Republic Finance in the amount of $3,609.77 and by wages were garnished starting 10/06/2023. Since then I have paid off my debt and Republic Finance claims they have not received a check from the court on my balance and can not mark it as paid. I have made several attempts to get this resolved but have been unsuccessful. It is still showing that I have not paid this debt on my credit report and that is incorrect. I am asking to have this looked into so that my account can report accurately. This has been ongoing since the beginning of this year.

      Business Response

      Date: 07/23/2024

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated July 16, 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 #21997423.  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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