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Business Profile

Loans

Republic Finance, LLC

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Republic Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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Republic Finance, LLC has 305 locations, listed below.

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    Customer Complaints Summary

    • 167 total complaints in the last 3 years.
    • 56 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:07/10/2024

      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.
      In May of 2021 I took out a loan with republic finance. In December of 2021 I paid off the loan. My loan officer, *****, did not apply my funds to pay off my loan. She called multiple times over the years only to ask me if I needed more money. In July of 2022 ***** called to see if I needed more money and to let me know that I wouldn’t have to start repaying my current loan until December 2023. When I told her that loan was payed off she said no I had a balance of 100 dollars that accrued interest all that time. When I asked her why was I never told this or notified all the times I spoke to her. She said she spoke with me about it the previous week, which was a lie because I was in CCU with a hemorrhagic stroke. I could not even look at my phone much less use it. When December came around and they wanted me to start to pay them again I received a flyer like bill that said I owe 230 dollars. There was nothing else on it. I called her to tell her that I wanted a detailed report on my loan and my payments. I wanted to know how much they are saying I owe. She immediately turned it over to a bill collector. I told him the same thing to no avail. I received a court document then a judgement against me for as much as I originally borrowed. I was never made aware of the court date and never given the option to dispute it. She expedited my case and rushed into court before I had a chance to do anything about it. She basically stole my money and is still stealing it on my opinion.

      Business Response

      Date: 07/18/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 10, 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 #21968568. 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 July 12, 2024, July 16, 2024, and July 17,
      2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on
      July 18, 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:07/08/2024

      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 have dealt with incompetence with republic finance at there’s Round Rock,Texas location for months now. I have been unemployed and did everything I was told!!! I’m following the procedures with the insurance I’ve paid for with the account. Initially I was told a different procedure as one employee left, they did not pass the information on to the proceeding manager and I was belittled and accused of wrong doing. I spoke to the regional manager who claimed to “ straighten” everything out. I have now moved and contacted to have my address changed and it was not. With that being said I still filled out the rfget portion. Which is at the least supposed to freeze my loan until the insurance reacts. I was just informed that I was late. This is infuriating as I have been constantly complaining about the time it takes the company to react. It is now on my credit report which is now a false report and a breach of contract. I will be securing legal counsel for my next steps not only with the fraudulent late claim but also with stress,racism, and emotional and psychological damage I have endured.

      Business Response

      Date: 07/15/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 8, 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 #21953162.  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 11, 2024, and reached a
      mutually agreeable resolution, with the Consumer on July 11, 2024. Republic Finance mailed a letter under separate cover to
      the Consumer on July 15, 2024 regarding the resolution. Republic
      Finance and the Consumer consider this matter satisfactorily resolved.

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

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

    • Initial Complaint

      Date:07/02/2024

      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 filing a complaint against company for inaccurately reporting an account on my credit report. The account was listed without my authorization or verification. Despite my efforts to resolve this issue directly with the company, they have not responded or provided verification, violating the Fair Credit Reporting Act (FCRA).

      Business Response

      Date: 07/16/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 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 #21928816.
      As requested by the BBB guidelines, we have left all personal identifying
      information, including the consumer's name, out of this response. Instead, we
      refer to the consumer as "the Consumer."

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

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

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

    • Initial Complaint

      Date:07/01/2024

      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 liable for this debt with Republic Finance, LLC. I do not have a contract with the collection agency trying to collect and/or reporting this information to my credit report. They did not provide me with the original contact information requested.

      Business Response

      Date: 07/16/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated July 1, 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 #21924439. As
      requested by the BBB guidelines, we have left all personal identifying
      information, including the consumer's name, out of this response. Instead, we
      refer to the consumer as "the Consumer."

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

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

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

      Customer Answer

      Date: 07/16/2024



      Complaint: 21924439



      I am rejecting this because:

      Customer's Statement of the Problem:
      I am not liable for this debt with Republic Finance, LLC. I do not have a contract with the collection agency trying to collect and/or reporting this information to my credit report. They did not provide me with the original contact information requested.
      Desired Settlement:
      Other (requires explanation)
      Correction to my credit report, and I demand this account to be remove from my credit report.


      Sincerely,



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

    • Initial Complaint

      Date:06/18/2024

      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 have a signature loan with this company, and was contacted by phone to offer a lower interest rate and the option to borrow more funds. I was told that it was being offered because my account was in good standing and reflected that I've paid early and have paid more than required minimum.
      It was explained that in order to get either of these, they had to conduct a credit inquiry. Because I was told that my interest could be lowed by as much as 10%, I allowed it even though I was unsure if I would want the additional funds. Once they got back to me, I was informed that they'd only lower my interest by 2% and offered me an additonal $2000. I chose to proceed since the credit inquiry was already run, and the representative asked for further documentation. I emailed check stubs, a voided check and other items, then was contacted informing that the final step was to provide collateral such as electronics, jewelry or other valuables that totaled the amount of the loan and that I had to add an insurance policy to the loan that would cost approximately $13/month for 36 months. I was furious because none of that was disclosed when they initially contacted me. I spoke to a manager, but all he did was offer an alternative of having me add them as a lienholder to my home insurance. That option was not any better, so I told them I no longer wanted to proceed with the offer, and I asked them to remove the hard inquiry on my credit. The manager said he would see about reversing it, then contacted me the next day saying he could not. Although he was apologetic, he had no explanation for why that information was not given to me initially when they presented the offer. I asked to make a complaint, but he never got back to me even after I told him I was going to report this to BBB. Because my credit is fair, I was hoping to consolidate payments by borrowing additional funds. The credit inquiry will likely make that harder now, so I'd like to have it removed from credit report.

      Business Response

      Date: 06/20/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 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 #21864018.
      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 a credit inquiry that was created from a loan
      application. 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

      Customer Answer

      Date: 06/20/2024



      Complaint: 21864018



      I am rejecting this response because: it does not clearly state what they will be doing to address the matter. If they will do their part to remove the inquiry from my credit report, it should clearly state that. If they are denying my request and will do nothing more besides communicating with me what they've already done (which is nothing to reverse/clear the inquiry), they should clearly state that. 

      I apologize if I am not understanding what their intention is to address my complaint, it is likely because I am not savvy enough with the terminology used. I would like their actions stated more clearly and simplified into layman's terms so there is no further confusion. 

      I hope to hear back in a timely manner.




      Sincerely,



      ***** *****

      Business Response

      Date: 06/20/2024

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated June 20, 2024 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint
      Case #21864018.  Please allow this to
      serve as Republic Finance’s response to the Consumer’s rebuttal to our response
      submitted to the BBB on June 20, 2024 regarding this matter.

      Republic Finance
      immediately investigated the Consumer’s rebuttal and her statements made
      therein. Republic Finance can confirm that the request made by the Consumer to
      resolve this matter has been approved. Due to the confidentiality of the Consumer’s
      account, we cannot get into specific details in this response. We have mailed a
      detailed response under separate cover to the consumer that describes the results
      of the investigation and the corrective action completed.

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

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

    • Initial Complaint

      Date:06/14/2024

      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.
      06/14 contacted by manager ****** at branch in St Louis 6910 Olive Blvd 63130... 314-798-0180 after setting up a promise to pay give him my account and routing number for a payment on 6/28 he proceeds to tell me I have to catch up I should go and donate blood... I thought this was unnecessary. I have liver disease and I can not donate blood.... this type of tactics and unkind words yank at the fabric of our nation just to collect money.

      Business Response

      Date: 06/18/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 14, 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 #21850888. 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 June 14, 2024, June 17, 2024, and June 18,
      2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on
      June 18, 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:06/12/2024

      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.
      In July of 2020 my account was sent to the Law Office of ******** ********. I went to court and agreed on an amount/monthly payment to settle my debt. This was a joint account with my now exhusband. In March of 2022, I received a letter stating that the judgement entered had been satisfied and nothing owed. In the past 2 years I have tried to get my credit to go up. Today I had my credit pulled and it still had Republic Finance LLC in collections. I called Republic Finance and the gentleman was able to find my information. He apologized and said the previous manager had coded my account wrong. My exhusbands account was coded correctly. 2 years of potential credit score increase wasted.

      Business Response

      Date: 06/20/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 12, 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 #21839643.
      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

      Customer Answer

      Date: 06/21/2024



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 21839643, and find that this resolution is satisfactory to me.




      Sincerely,



      ****** *****

    • Initial Complaint

      Date:06/10/2024

      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 have to call the office to make a payment every single month, but my job makes it impossible to call them during the business work hours. they will not allow me to make payment online. they will not take payment over the phone after hours. i need to make payments but i need them to make it where i can make a payment after hours, instead of helping me in this they would rather sue me or make me pay late payment. im trying but they are making it very difficult. they call me multiple time during the day which i have told them i can not answer my phone during work hours, they call my family and harassing them over the phone. just let me pay online so i can get this paid off and not have extra fees

      Business Response

      Date: 06/13/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 10, 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 #21824791.  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 June 11, 2024 and reached a
      mutually agreeable resolution with the Consumer on June 11, 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:06/07/2024

      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 Finance has illegally filed a wage garnishment case number. *********** ********* **. GA FEDERAL LAW Prohibits Garnishments from all creditors. VA Pensions cannot be garnished.. They have violated federal law. They have been notified of this violation. Severe penalties will be imposed.

      Business Response

      Date: 06/11/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 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 #21814121.  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 May 24, 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 has been closed. Republic
      Finance has completed an investigation of the complaint and has provided a
      response to that complaint with the CFPB on June 7, 2024.

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

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

    • Initial Complaint

      Date:06/03/2024

      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 had auto pay set up. and yes there was 2 times I did not have the funds since I was in the hospital and out of work. that ended in December of 2023. Since then the past 3 months they keep saying/sending me email that my auto pay failed. my bank confirmed they have no record of any ACH attempt.
      I reported this to Republic and they called me on 5/30/2024 @ 10:24AM and spoke with ***** (after filing a complaint and saying i would report this to the BBB. He told me they went ahead an canceled my auto pay and that I wouldn't be charged the processing fee going forward. I paid it yesterday, and got the invoice today and I was charge 2.95 for processing.
      I want my money back and any processing fees/late charges that were paid cause they have lied for 3 months and keep lying about my account.

      Business Response

      Date: 06/11/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated June 3, 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 #21787482.  As requested by the BBB guidelines, we have
      left all personal identifying information, including the consumer's name, out
      of this response.  Instead, we refer to the
      consumer as "the Consumer."

      Upon
      receiving his complaint, Republic Finance immediately investigated the
      statements made therein. Additionally, Republic Finance’s Regional Vice
      President discussed the matter in detail on June 6, 2024 and reached a mutually
      agreeable resolution with the Consumer on June 6, 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

    Republic Finance, LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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