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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

    • 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:02/21/2024

      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.
      They advertise you can pay online. However they do not allow payments online always. They will make it to where you are unable to make your payment online. The only way you can make your payment is over the phone with a live person. Which I do not feel comfortable doing. I receive the loan with the understanding I can make my payments online. Which is not true if you are late at all. They lock your account so you have to basically miss work to make a payment. I have attached pictures of my account where there is nowhere to make a payment.

      Business Response

      Date: 03/06/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated February 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 #21325108. 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 February 21, 2024 and February 28, 2024 but
      was unsuccessful in her attempts. Republic Finance mailed a letter on March 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:02/20/2024

      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 didn’t apply to this company for credit so this need to get removed from my file

      Business Response

      Date: 02/27/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated February 20, 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 #21318673.
      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:02/14/2024

      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.
      The company is constantly calling my number. They have already filed a civil action suit so I do not understand why I keep getting harassing phone calls from them.

      Business Response

      Date: 02/23/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated February 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 #21293158.  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 Supervisor

    • Initial Complaint

      Date:02/01/2024

      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 deeply troubled by the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This violates my privacy rights under 15 USC 1681 Section 602 and contradicts 15 USC 1681 Section 604 A Section 2 regarding the need for my written consent.

      The inaccurate reporting, especially in regard to payment history, breaches 15 USC 1666 B, causing significant financial and emotional distress. I request immediate rectification of these errors and a prompt resolution plan. Please address this matter urgently and rectify the inaccuracies associated with 181400005

      Despite multiple attempts to resolve this issue with both the data furnisher and the credit bureau, proper protocol and procedure have been ignored in the requests for removal of inaccurate and fraudulent information. The burden of proof to deny my request has not been met, despite submitting multiple FTC reports, signed witness statements, and affidavits.

      I have provided sufficient information to prove my identity, and any request for more sensitive identifying information, considering my identity theft victim status, could contribute to further misuse. Continuation of denial infringes upon my federally protected rights under the FCRA, Fair Credit Billing Act, Truth in Lending Act, and Equal Credit Opportunity Act.

      Due to repeated denials without tangible proof or a sworn affidavit from the credit bureau, asserting legal proof that the items were not from identity theft, these items should be removed immediately, complying with the 5-day mandate of Federal Law.

      Business Response

      Date: 02/05/2024

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated February 1, 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 #21231411.  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:01/31/2024

      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 cashed a loan check by mail in April 2023. My payments were due on the 20th of each month. *********, called me about a week later to see if I wanted to change my payment date to the 1st since that is when I get paid, she said all I had to do was come in and sign a paper stating I wanted to do so. I told her no keep the date the same. I went on line a couple of days ago to make a payment and saw my payment was due on the 28th. I did not go in to sign anything asking for a date change. It also showed I had a 82.00 credit that should be more if I'm paying about 16,17 days early. This is not right. I have been doing business with Republic Finance for some time now. I guess it's time for me to think if I should continue.

      Business Response

      Date: 02/05/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated January 31, 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 #21226704.  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 January 31, 2024 and is in the
      process of reaching a mutually agreeable resolution with the Consumer. 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:01/10/2024

      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 obtained this loan 11/14/2022, the loan ammount was for 8025.00 at an interest rate of 35.99% for a 4 year term. The issue is there was some non transparency and I believe this is just general predatory banking and usury. The total loan on the $8025 comes out to $23,520. That is the equivalent of almost 300% interest. At the time of obtaining this loan it was explained to me that there were insurances included and was interpreted by me to mean included as in no fee. But they added another $4,132 in charges to the original $8025 plus a finance charge of a whopping $11,137, 150% of the amount borrowed. This is criminal and I can only imagine how many other people are in this debt trap. On top of all this there is no principal balance for the original loan ammount, I checked in for my loan payoff over the course of 2023 and the payoff remained at $9700 the entire year and remains as such. I cannot justify continuing to pay these people, I have already paid them $6000 and I would like for them to wave their absurd finance charge and insurance charges of almost $16,000 and just charge me the 35% interest on $8025 and let me pay them the last $2000 of the principle that should be remaining plus their $2800 in interest and go our separate ways.

      Business Response

      Date: 01/15/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated January 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 #21113442.  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 state regulator, the South Carolina
      Department of Consumer Affairs (“SCDCA”), regarding the same matter on January
      10, 2024, which is substantially the same as this complaint that she filed with
      the BBB. As of the date of this response, the SCDCA complaint is still open. Republic
      Finance is actively investigating that complaint and will respond to that
      complaint with the SCDCA.

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

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

    • Initial Complaint

      Date:01/01/2024

      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.
      Lastyeari got a car fin.they didn't ask me didniwantncredit life,and property ins.they. just added to my loan.i would have said no.it was finance inwith my loan.Make the loan more bigger. I ask for a .full.refund of the life ins.that was addedto my bill.Republic just place small amount of the ins to my bill.Also I was given the loan papers ,without my signatures on any of them I took home.i am looking for lawyers for to take my case.

      Business Response

      Date: 01/12/2024

      Dear BBB Complaint Department:

      Thank
      you for your correspondence dated January 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 #21074794. 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 on
      numerous occasions. Specifically, Republic Finance’s RVP attempted to reach the
      Consumer by telephone to discuss this matter on January 3, 2024 and January 9,
      2024 but was unsuccessful in his attempts. Republic Finance mailed a letter on January
      12, 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

      Customer Answer

      Date: 01/13/2024



      Complaint: 21074794



      I am rejecting this response because:



      Sincerely,



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

    • Initial Complaint

      Date:12/18/2023

      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 received a loan with Republic Finance. I set up Chase Bill Pay to make payments. 60 days later I found out the the payments were not going through. I then went online to make a payment and I no longer had online access. Later I found out that Republic Finance tried to debit the account that I deposited the check into. I keep very little money in the Capital One account so the ach they tried to do came back as insufficient funds. The sent my account to an attorney and last Friday they filed a complaint against me and said I now owe the attorney 25% of the total loan and court costs. So not instead of around $1,7000 I owe $2,7000. This is grossly unfair and borderline predatory. I want the lawsuit dropped an the ability to pay ONLINE asap. NO court costs and NO attorney fees.

      Business Response

      Date: 12/22/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated December 18, 2023.  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 #21021493.  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

    • Initial Complaint

      Date:12/12/2023

      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 LLC of Charlotte N.C. Has reported to Equifax that I have an open account with them in the amount of $3782.00. I have NO knowledge of this company and have NOT opened an account with them. I want this issue resolved and this account removed from my credit profile.

      Business Response

      Date: 12/14/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated December 12, 2023. 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 #20992225.  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 her 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, she can contact each of the three major credit bureaus and request
      that her name and contact information be removed. The credit bureaus may be
      contacted as follows: (1) by telephone – at ************** to request removal,
      or (2) by letter – write to the following addresses to request removal:
      Experian, Inc., **** *** **** ****** ** ****** TransUnion, TransUnion Removal
      Option, **** *** **** ******** ** *****; Equifax, **** *** ******, Atlanta, GA
      30374-0123.

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

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

    • Initial Complaint

      Date:12/12/2023

      Type:Customer Service 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.
      We are a home healthcare agency; the business has called our office every day for the past year concerning a former employee which whom we have not had any contact with in over a year. Republic finance continues to call our office without speaking around the same time EVERYDAY Mon-Fri. This is harassment.

      Business Response

      Date: 12/18/2023

      Dear BBB Complaint Department:

      Thank you for
      your correspondence dated December 12, 2023. 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 #20991273.  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 their
      complaint, the Consumer states that Republic Finance has been calling a place of
      business for a customer that is no longer employed and they request to cease all
      communications regarding this customer going forward. Upon receiving this
      complaint, Republic Finance investigated this matter immediately and removed
      the Consumer’s phone number from the account. Republic Finance will not contact
      the Consumer going forward for any reason.

      Republic Finance thanks the Consumer
      for bringing this matter to its attention and sincerely apologizes for any
      concern or inconvenience we may have caused them.

      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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