Complaints
This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 433 total complaints in the last 3 years.
- 141 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:04/29/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took a loan out with Cash Central April 13, 2023. I contacted the company prior to the due date to request a 60 day grace period. I was told be 2 reps on the phone that the loan can only be extended 14 days. I advised that I am a florida state resident and under Florida State law I am allowed a 60 day grace period and as a company licensed in florida, they are obligated to follow. Repeatedly, I was told that their license only allows 14 days. I tried advising company policy can't override state law. I then sent a email since no one would help and I also provided the link to the florida state statute for someone to review and get back to me since apparently no one was aware but instead I was just told to contact customer service. I've given the company an opportunity to properly review the florida statutes however, they are unwilling to do their part. I have already issued a complaint against their license with the state of Florida. I am issuing a complaint here. And I will be issuing a stop payment until this can be resolved.
Business Response
Date: 05/12/2023
*********************
Thank you for the opportunity to respond to the complaint filed by ******** ******* (Complainant). Buckeye Check Cashing of Florida, Inc. Dba Cash Central, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they obtained a loan with Cash Central on April 13, 2023. They claim they contacted the company prior to the due date to request a 60-day grace period but were informed by a Cash Central representative that their loan can only be extended by 14 days. They state that under Florida State law, they are allowed a 60-day grace period, and that they are issuing a stop payment until this can be resolved.
A review of our records revealed, on April 13, 2023, the Complainant obtained a loan from Cash Central online in the principal amount financed of $500.00 with a finance charge of $55.00. The loan contracted was to be repaid in one payment of $555.00 due on May 5, 2023. As part of the process of requesting a loan, the loan agreement must be reviewed by the Complainant before the loan is signed. The annual percentage rate, finance charge, amount financed, total of payments and payment schedule are clearly disclosed in accordance with the Federal Truth in Lending Act and Regulation Z on the first page of the loan agreement.
Regarding the Complainant’s request for a 60-day grace period, the Complainant signed the loan agreement acknowledging their understanding of how she can obtain a 60-day grace period in the event she cannot pay the loan in full on the due date. As stated on the loan agreement under Notice:
“4. FOR DEFERRED PRESENTMENT TRANSACTIONS NOT REPAYABLE IN INSTALLMENTS: IF YOU INFORM THE PROVIDER IN PERSON THAT YOU CANNOT COVER THE CHECK OR PAY IN FULL THE AMOUNT OWING AT THE END OF THE TERM OF THIS AGREEMENT, YOU WILL RECEIVE A GRACE PERIOD EXTENDING THE TERM OF THE AGREEMENT FOR AN ADDITIONAL 60 DAYS AFTER THE ORIGINAL TERMINATION DATE, WITHOUT ANY ADDITIONAL CHARGE. THE DEFERRED PRESENTMENT PROVIDER SHALL REQUIRE THAT YOU, AS A CONDITION OF OBTAINING THE GRACE PERIOD, COMPLETE CONSUMER CREDIT COUNSELING PROVIDED BY AN AGENCY INCLUDED ON THE LIST THAT WILL BE PROVIDED TO YOU BY THIS PROVIDER. YOU MAY ALSO AGREE TO COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT AGENCY. IF YOU DO NOT COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT AGENCY, WE MAY DEPOSIT OR PRESENT YOUR CHECK FOR PAYMENT AND PURSUE ALL LEGALLY AVAILABLE CIVIL MEANS TO ENFORCE THE DEBT AT THE END OF THE 60-DAY GRACE PERIOD.”
Cash Central has yet to receive any evidence that the Complaint secured an appointment with a Consumer Credit Counseling agency or that they have completed the counseling required to receive a grace period of 60 days.
On April 22, 2023, the Complainant’s account was documented with the Complainant’s request for a due date adjustment or extension until June 2023. Unfortunately, it appears the representatives that spoke with the Complainant misunderstood the request and did not properly inform the Complainant of the next steps necessary to fulfill the state of Florida’s requirements for consumers wishing to be granted a grace period. However, a representative did provide a 14-day courtesy move making the loan due in full on May 19, 2023. We appreciate the Complainant bringing this situation to our attention, so we could provide the representatives involved with additional resources and retraining to ensure they understand the state of Florida’s 60-day Grace Period.
Should the Complainant wish to receive a grace period of 60 days without additional charge, we respectfully ask them to make an appointment with a Consumer Credit Counseling Service (see attached list) and provide us with proof of the counseling service they received prior to May 19, 2023.
We hope that we have fully addressed the complaint. Should the Complainant or the Division of Consumer Finance Bureau of Enforcement require further explanation, we may be reached at *****************************
Sincerely,
BSG – Consumer Complaints
** *** *** ********** ** *****Customer Answer
Date: 05/15/2023
I accept the business's response to resolve this complaint. My complaint was due to the fact that i was trying to receive the instructions from your company on how to properly complete and submit the records necessary to execute a 60 day grace period but no one listened to what I was asking. It is important for your representatives to make sure they are up to date and properly relay the correct information based on the individual states where a customer resides. This could have all been avoided.
Regards,
******** *******Initial Complaint
Date:04/11/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 1/9/2023, I took a loan for $400. 00 with Speedy cash. I thought that I was practically paid off with next months payment.To date, I gave paid 604.15 dollars. I have tried endlessly to look at my loan docs but their website is never available. They say my loan balance is 483.00 which I cannot afford. I can’t even review documents to see the APR, but it must be outrageous . I now know that I should have done my research first before accepting the loan. but I needed the money fast and went with a quick solution which ended up being a huge mistake. Can you help me, with this predatory loan The loan number is ********. Thank you.Business Response
Date: 04/17/2023
********************
Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). SCIL Texas LLC Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states, on January 9, 2023, they took a loan for $400.00 with Speedy Cash. They state they thought that the loan was practically paid off with next month’s payment. The Complainant claims they have paid $604.15 dollars to date. They also claim they have tried endlessly to look at their loan documents, but the website is never available. They state Speedy Cash says the loan balance is $483.00, which the Complainant cannot afford. They claim the APR is outrageous and the loan is predatory. They are requesting a billing adjustment.
As a brief background, on January 10, 2023, Speedy Cash’s records show the Complainant obtained an installment loan with Ivy Funding Ninety-Six LLC online at www.speedycash.com in the principal amount financed of $400.00. The loan was contracted to be repaid in 11 bi-weekly payments of $115.94 beginning on January 27, 2023, and a final payment of $115.79 due on June 30, 2023. SCIL Texas LLC Dba Speedy Cash is a registered Texas Credit Access Business (“CAB”) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. Speedy Cash services the loan but is not a lender in Texas. Speedy Cash charges a CAB fee in the amount permitted by Texas law.
At the time of loan origination, the Complainant signed a Promissory Note that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and Regulation Z. By signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the installment loan. A copy of the loan agreement was also provided at loan origination.
The Installment Loan allows customers to pay off their loan by giving a set schedule and minimum dollar amount for payment. Speedy Cash encourages customers to use this product as a short-term financial solution and whenever possible, pay off early to avoid accruing interest. The balance may be paid back at any time with no penalty for early payoff. Further, after a loan is finalized, customers have the right to cancel the contract without penalty or obligation within three (3) business days after the contract is signed. A review of the payment history shows Speedy Cash promptly and accurately applied seven (7) payments toward the Complainant’s loan. As of April 13, 2023, the Complainant’s outstanding balance is $378.99.
Regarding the Complainant’s claim that the website is never available, a review of this allegation concluded there was no known issue with Speedy Cash’s online portal. If, however, should the Complainant run into any issues with logging into their account in the future, they may contact Speedy Cash Customer service for assistance at ###-###-####.
Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed; therefore, a billing adjustment will not be provided at this time. Speedy Cash understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks such that making timely payments are difficult. Accordingly, Speedy Cash is willing to discuss mutually satisfactory repayment arrangements in order to assist you in paying back your loan. We encourage you to call our Customer Relations Department at ###-###-#### to discuss repayment options.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:04/10/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have a account email address to login is ************ ******* they updated there website it's finds the account but keeps saying password dosent work I'm trying to pay loan off so I'm playing extra interest cause I can't log in I have contacted them I just want to pay the loan in fullBusiness Response
Date: 04/14/2023
***************
Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant). SCIL Texas LLC Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their password does not work on the website when they are trying to pay off their loan. They claim they are paying extra interest because they can’t log in on the website. They also claim they have contacted Speedy Cash and just want to pay off their loan in full. They are requesting a billing adjustment.
Speedy Cash is a registered Texas Credit Access Business (“CAB”) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. Speedy Cash services the loan but is not a lender in Texas. Speedy Cash charges a CAB fee in the amount permitted by Texas law.
A review of Speedy Cash’s records reflects on March 20, 2023, the Complainant obtained an installment loan with Ivy Funding Ninety-Six LLC online at www.speedycash.com in the principal amount financed of $1,250.00. The loan was contracted to be repaid in 12 bi-weekly payments of $328.47 beginning March 31, 2023, and a final payment of $328.61 due on September 15, 2023. A review of the Complainant’s payment history shows Speedy Cash accurately and promptly applied one ACH payment initiated by the Complainant in the amount of $430.00 toward the loan.
Regarding the Complainant’s claim of being unable to make a payment online due to a password issue, an investigation into the Complainant’s claim revealed that there has been no known issue in accessing the Speedy Cash online portal. We regret that the Complainant was unable to make a payment online and for the frustration they may have experienced; however, as we deny any wrongdoing, a billing adjustment will not be provided at this time. We encourage the Complainant to contact Speedy Cash directly at ###-###-#### for assistance with making a payment.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:04/04/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been asking corporate office of Check into Cash for my original loan agreement so I can add it to debit consoildertion loan I have But corporate office told me I had to go to the office in ***** **** **. For a copy but what they gave me won't work. I just want a copy of my original loan agreement. When I go online i can't get it becuase inam behind on payments. Basically all want is a copy of my loan agreement.Business Response
Date: 04/10/2023
****************
Thank you for the opportunity to respond to the complaint filed by ******* ********* (Complainant). Check Into Cash of Kansas, LLC Dba Check Into Cash, a member of the CCF Intermediate Holdings LLC family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they have been asking the corporate office of Check into Cash for their original loan agreement so they can add it to a debit consolidation loan but was told they had to go to the office in Great Bend, KS for a copy. They state what Check Into Cash gave the Complainant won't work. They are requesting a copy of their loan agreement.
As a brief explanation of the Complainant’s account, an Open-End Line of Credit transaction with credit limit amount of $500.00 was completed online at www.speedycash.com on November 12, 2021, with a cash advance of $1,511.00 taken for the life of the loan. As requested, we have mailed a copy of the Complainant’s loan agreement to the address provided in the complaint.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:03/31/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was browsing for $25,000 loans on February 7.th for the balance of a home purchase. I saw this company had been hounding me via email and text to SIGN. On March 13th, I was online and went through their process with the intent to establish a reportable OPEN LINE OF CREDIT. I chose the pickup option, knowing I am disabled with no transportation, couldn't pick it up which SHOULD have ended the actual loan occurring. I happened to check email for the first time in over 2 weeks to see this company sent a payment reminder for funds I did NOT go to get. * Despite them not having their REQUIRED proofs of Identification and banking information, they put money blindly into my account. * Their website producers no loan documents. * I certainly don't need their drip of mone. * Refund of $51.97 is in order. Fearing this company would harm my credit, I paid in full. Then I called customer service to complain to no avail.Business Response
Date: 04/05/2023
******************
Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of the CCF Intermediate Holdings LLC family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they were browsing for $25,000 loans on February 7th for the balance of a home purchase. On March 13th, they state they went through Speedy Cash process with the intent to establish a reportable open line of credit. They claim they chose the pickup option, knowing they are disabled with no transportation, could not pick it up which should have ended the actual loan occurring. They claim they happened to check email for the first time in over two weeks to see Speedy cash send a payment reminder for funds the Complainant did NOT go to get. They claim despite Speedy Cash not having required proof of identification and banking information, they put money blindly into my account. They claim the website produced no loan documents. They state fearing Speedy Cash would harm the Complainant’s credit, the Complainant paid the loan in full. They claim they called customer service to complain to no avail. They are requesting deletion of their bank account information after refund is completed.
As a brief explanation of the Complainant’s account, an Open-End Line of Credit transaction in the amount of $310.00 was completed online at www.speedycash.com on March 13, 2023, with a cash advance of $310.00 taken for the life of the loan. Open credit involves billing periods and reoccurring minimum payments of interest and principal based on the balance of the loan. Speedy Cash encourages customers to use this product as a short-term financial solution and whenever possible, pay off early to avoid accruing interest. The balance may be paid back at any time with no penalty for early payoff. The interest rate and interest charges are plainly disclosed on the first page of the loan agreement. The loan is funded via ACH deposit to the Complainant’s bank account; however, for faster funding, pickup option at a storefront is available. If the customer chooses the pickup option but does not pick up the funds in store, the funds are deposited into the customer’s bank account on file.
By signing the line of credit agreement, the customer acknowledged their understanding that Speedy Cash would earn interest on the outstanding balance from the date of the transaction until paid in full. If the Complainant did not agree to the disclosed terms and conditions of the loan, they have the option to stop the loan process at any time.
A review of the payment history shows Speedy Cash promptly and accurately posted one payment of $361.97 paying the account in full.
As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, a refund will not be provided at this time. You may request to close your account by calling our Customer Service department directly at ###-###-####.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Customer Answer
Date: 04/21/2023
My Response:
The business response was unacceptable.
I do not accept their response.
Payment wasn't picked-up with VALID IDENTIFICATION per that requirements.
NO evidence of Line of Credit on any credit report.
My desired resolution remains the same.
Please leave as unresolved. And company noted as identity thief's
haven due to lax following of their own policies.
Thank you,
******* *****Business Response
Date: 05/02/2023
Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of the CCF Intermediate Holdings LLC family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states that the business response was unacceptable. They claim the payment was not picked up with a valid identification. They are requesting deletion of their bank account information after the refund is completed.
As previously stated in our initial response, if the customer chooses the pickup option but does not pick up the funds in store, the funds are deposited into the customer’s bank account on file. Speedy Cash sent the Complainant an email notifying them to pick up their loan proceeds at any Speedy Cash store before 7:15 Central Time on March 13, 2023, and that if they do not pick up the funds before the time allotted, their funds may be deposited to the bank account on file.
Regarding the deletion of the Complainant’s bank information, we are legally required to maintain certain records and therefore are unable to delete all information from our system - which is the electronic repository for our records. We comply with all federal and state record retention laws and maintain appropriate security and controls over our systems and processes to ensure data integrity, privacy and confidentiality.
As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, a refund will not be provided at this time. The Complainant may request to close their account by calling our Customer Service department directly at ###-###-####.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:03/28/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Took out a loan on a line of credit with the company Speedy Cash. They say I took out additional loans, which I did not. I need a statement of accounting, which they won't give me. I want a statement of the account as far as what dates I borrowed, what Dates I paid, and what interest was charged. They have debited my account to where it is over drawn.Business Response
Date: 04/03/2023
************
Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they took out a line of credit with Speedy Cash. They also state Speedy Cash said the Complainant took out additional loans, which they did not. They claim Speedy Cash debited the Complainant’s account to where it is overdrawn. They also claim they have requested a statement of accounting, which Speedy Cash won't give the Complainant. They are requesting a statement of the account as far as what dates they borrowed, what dates they paid, and what interest was charged.
A review of Speedy Cash’s records shows, on September 1, 2022, the Complainant obtained a lined of credit in the amount of $785.00 with Speedy Cash online at ****************** with an initial cash advance of $785.00. The interest rate and finance charge are plainly disclosed on the first page of the loan agreement. By signing the agreement, the Complainant acknowledged their understanding that Speedy Cash would earn interest on the outstanding balance from the date of the transaction until paid in full. Additionally, the Complainant also signed an Optional Loan Payment Authorization and Optional Payment Card Authorization that authorizes and instructs Speedy Cash to initiate an ACH or debit card payments on the loan due dates, or in the event of default. On December 17, 2022, the Complainant advanced an additional amount of $600.00 funded at a storefront in ******* *****. The Complainant’s identity was verified using a ****** issued driver’s license.
Speedy recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. An initial investigation into the claim that an additional loan was taken out under the Complainant’s personal information did not reveal any other existing loans besides the initial loan the Complainant acknowledged. The Complainant’s account has been forwarded to our Identity theft department for a more thorough investigation and has been provided with an Identity theft packet which includes instructions for pursuing a claim of fraud and the documents necessary for an investigation.
As for the Complainant’s concern regarding not being provided with statements, a review of our correspondence with the Complainant shows Speedy Cash received the Complainant’s request on March 28, 2023, a day prior to receiving the Complainant’s BBB complaint. As requested, we have mailed the Complainant a copy of their loan agreement and statements to the address provided on the complaint.
A review of the payment history shows Speedy Cash promptly and accurately posted 13 payments toward the Complainant’s outstanding balance. The Complainant’s account is currently past due. Accordingly, Speedy Cash is willing to discuss mutually satisfactory repayment arrangements with the Complainant in order to assist them in paying back their loan. We encourage the Complainant to call our Customer Relations Department at ###-###-#### to discuss repayment options.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:03/27/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Went to cash my employment check at check smart ****** **** ****** ** *ocation amount for 2226.62 ***** ******* ******** check from ***** ********* *** check smart ****** **** ****** ** location started processing the check but didn't give me the cash amount after check cashing fee also keep the check and invoice from ***** ********* *** for me employee ***** ******* ********Business Response
Date: 03/31/2023
***********
Thank you for the opportunity to respond to the complaint filed by ***** ******* ******** (Complainant). CheckSmart, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they went to cash their employment check at a CheckSmart in Toledo, OH. They claim CheckSmart started processing the check but didn’t give the cash amount after the check cashing fee. They also claim CheckSmart kept the check and invoice. They are requesting CheckSmart cash the Complainant’s employment check.
A review of CheckSmart’s records reveal, on March 22, 2023, the Complainant attempted to cash a check issued by ***** ******** ****** *** in the amount of $2,226.62 at a storefront in Toledo, Ohio. Regrettably, the check the Complainant presented to cash is a stolen check; therefore, CheckSmart is unable to cash the check. When the check was verified with the issuer, the issuer confirmed that the Complainant received a stolen check and requested the check not be returned to the Complainant. It is important to note CheckSmart did not charge a check cashing fee for this transaction.
Unfortunately, it appears the Complainant may have been a victim of a job scam where scammers deceive job seekers into giving money, divulging personal information or providing free labor. If the Complainant feels they were scammed, we suggest they file a report with their local law enforcement agency. We also encourage the Complainant to visit ftc.gov/scams to learn more about how to protect against such fraudulent acts.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:03/24/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have a loan that is past due with this company and I have acknowledged that. This company has called me SEVERAL times AT WORK when I have REPEATEDLY requested that they cease the calls. I NEVER gave them my office number my employer doesn't allow to give it out. I requested to know how they obtained the number and they REFUSED to tell me. I filed a complaint with them and an attorney named ********* *** **** called me. I asked a guy named ***** ***** who previously left me a message if he knew that the company who hired him was also calling me. He responded no I am the only one calling. I advised him I received 2 recent calls 3/14 and 3/21 from them. He has left me 4 messages as of 3/24. He advised he will reach out to them and disconnected the call.Business Response
Date: 03/30/2023
*********************
We are happy to provide this response. Thank you for the opportunity to respond to the complaint filed by ******* **** (Complainant). HOOSIER CHECK CASHING OF OHIO, LTD., Dba CheckSmart, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns.
To summarize, the Complainant states they have a loan that is past due with CheckSmart. They claim CheckSmart has called the Complainant several times at work when they have repeatedly requested that they cease the calls. They also claim they gave their office number because their employer doesn't allow them to give it out. They requested to know how they obtained the number and CheckSmart refused to tell the Complainant. The Complainant filed a complaint with CheckSmart, and an attorney named ********* *** **** called. They also state they spoke with ***** ***** advising him that the Complainant received two recent calls on March 14, 2023, and March 21, 2023, from CheckSmart. They claim the Complainant was advised ***** ***** will reach out to CheckSmart.
A review of our records revealed, on November 16, 2022, the Complainant obtained a loan from CheckSmart in the principal amount financed of $500.00 with a finance charge of $67.00 at storefront in South Bend, Indiana. The loan contracted was to be repaid in one payment of 567.00 due on December 2, 2022. On December 8, 2022, when the Complainant’s payment returned unpaid, the account was charged a $15.00 return fee and went into default status. Thereafter, collection activities commenced as permitted by law.
After a thorough investigation of the complaint, our records do show, on December 9, 2022, the Complainant advised CheckSmart to not be contacted at work. Regrettably, it appears that the Complainant was contacted in error after their DNC notification. We apologize for the inconvenience and if this resulted in poor customer experience. We have updated the Complainant’s account to ensure that they are not contacted at work going forward.
As for the Complainant’s concern about how we retrieved their work number, this phone number was provided by the Complainant when the Complainant updated their income.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
BSG – Consumer Complaints
** *** *** ********** ** *****Customer Answer
Date: 04/06/2023
***********************
The respondent has outright lied about how my employement phone number was obtained. If my employe4r has advised NOT to give out the office phone number for personal use, WHY would i willingly give it ti CHECKSMART?? I can see this going nowhere!! I want this company FINED for calling me repeatedly at work as I reuqest they not do!! Why would I put my employment in jeoparty by giving out the office phone number?? I will be advising the Attorney General of this matter as well!!
Ms***************
Business Response
Date: 04/14/2023
***********************
Thank you for the opportunity to respond to the complaint filed by ******* **** (Complainant). HOOSIER CHECK CASHING OF OHIO, LTD., Dba CheckSmart, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states CheckSmart has outright lied about how the Complainant’s employment phone number was obtained. They state they want CheckSmart fined for calling the Complainant repeatedly at work.
We sincerely apologize for the Complainant’s frustration and for the poor customer experience that may have resulted in. Our records do show CheckSmart called the Complainant a total of four times from December 2022 until March 2023 after they requested not to be called at work. If the Complainant has any other evidence of repeated phone calls at work, we encourage them to submit evidence so that we may investigate and provide corrective action. As stated in our previous response, we have updated the Complainant’s account to ensure that they are not contacted at work going forward.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
BSG – Consumer Complaints
** *** *** ********** ** *****Customer Answer
Date: 04/23/2023
[The company between the store located in South Bend IN and it's corporate office have called me NUMEROUS times than the 4 they previously mentioned. I do not accept their "apology". I shouldn't have had to submit my request 3 TIMES to be heard and also put my employment in jeopardy because of poor customer service. Again this response is not acceptable. I have placed complaints with the IN Attorney General's office as well as CFPB!
Regards,
******* ****Initial Complaint
Date:03/21/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
**** *** ***** *********** ******* ***** March 18, 2023 Speedy Cash **** **** **** **** ******** ******* ****2 To Whom It May Concern: Your company participated in a fraudulent claim approving someone for a loan of $1,285.00 in my name. I am a victim of identity theft. I received an email confirming the loan was approved. I did not apply for a loan with your company and charges needs to be filed against whoever is on your surveillance cameras for stealing money in my name in your store. Please investigate this matter and correct the fraudulent claim immediately. I need to hear from your company before April 18, 2023, or I will report this to the State of Arizona Attorney General. In addition, pursuant to *****, as a victim of identity theft I am requesting that you provide me with copies of all applications and business transaction records related to this fraudulent account. Mail the copies of the records to my mailing address above. In addition, please make these records available to the **** ** ******* ****** ********** upon their request. Cordially, ******* ********* **** ****** CC: Better Business BureauBusiness Response
Date: 03/24/2023
****************
Thank you for the opportunity to respond to the complaint filed by ******* ******** (Complainant). A Speedy Cash Car Title Loans LLC Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states Speedy Cash participated in a fraudulent claim approving someone for a loan of $1,285.00 in the Complainant’s name. They claim they are a victim of identity theft. They state they received an email confirming the loan was approved but did not apply for a loan with Speedy Cash and charges need to be filed against whoever is on the surveillance cameras for stealing money. They are requesting Speedy Cash to investigate this matter and correct the fraudulent claim immediately. They would need to hear from Speedy Cash before April 18, 2023, or the Complainant will report this to the State of Arizona Attorney General. In addition, pursuant to *****, as a victim of identity theft, they are requesting copies of all applications and business transaction records related to the fraudulent account. In addition, they would like these records available to the **** ** ******* Police Department upon their request.
A review of Speedy Cash’s records shows on March 18, 2023, a loan in the principal amount financed of $1285.00 was obtained with Speedy Cash online at www.speedycash.com using the Complainant’s personal identifying information. As requested, we have a mailed a copy of the loan agreement to the address provided in the complaint.
Speedy Cash recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Speedy Cash has a robust verification process in place designed to establish an applicant’s identity as well as variety of ways to combat fraud applicants attempt to receive credit via online channels.
Unfortunately, in this instance, it appears that the Complainant’s personal information was compromised prior to the loan transaction with Speedy Cash as the perpetrator was able to provide enough of their non-public information to pass through our strict underwriting criteria and be approved for a loan. A review of our records shows Speedy Cash has validated the Complainant’s claim of identity theft and has relieved the Complainant of any liability regarding this loan. In addition, the account under the Complainant’s information has been updated in our system to prevent any future fraudulent activity. Furthermore, we have requested the credit inquiry initiated by the application submitted to Speedy Cash be deleted from the Complainant’s credit report. Please note, it may take up to 90 days for the deletion request to be reflected.
Speedy Cash strongly urges any consumer who suspects that their information has been compromised to report such incidents to all applicable law enforcement agencies and take all possible precautions to secure their personal identification and financial information. Helpful tips concerning Identity Theft may be found on the Federal Trade Commission's website at ****************. Should the Complainant have additional questions or concerns, they are encouraged to call Speedy Cash Fraud Department at ###-###-####.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
*** – Consumer Complaints
** *** *** ********** ** *****Initial Complaint
Date:03/21/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I noticed this on my credit report (Equifax and Transunion) it was also on my Experian and I reported it as fraudulent activity and they removed it. The original creditor on this is LOAN BY PHONE DBA CHECK INTO CASH. I did not obtain a loan from that creditor, Let alone should I be sent to collection for it. I have not received notice from the original debtor of this problem, thereby, not being given the chance to remedy it through them and I have not received notification from the collection agency via mail or phone call and I believe it is a fraudulent account. I tried to dispute it through Equifax and Transunion as a fraudulent account and the collection agency is stating that it is my account. I need to see a contract that was signed and the address of the person who did obtain this loan, because it was not me. And I would like to be able to open a police report on this fraudulent account.Business Response
Date: 03/09/2023
Consumer Adjustment Company, Inc. (CACi) has received and reviewed the consumer’s complaint dated March 7, 2023. We appreciate the opportunity to address the consumer’s concerns.
This account was placed with CACi for collection on November 30, 2022, by the current creditor, Plaza Services, LLC, with a balance of $191.47. This balance is related to a payday loan originally obtained on September 25, 2018, with Loan By Phone d/b/a Check Into Cash. According to the details provided by the creditor, the proceeds of this loan ($150.00), were deposited into a U.S. Bank, N.A., account ending in ****5811.
CACi sent the consumer the initial notice related to this account, via email, to the email address the consumer has provided within this complaint, on or about December 1, 2022, informing the consumer this account has been placed with CACi for collection and informing them of their right to dispute this debt. A copy of this notice is attached for the consumer’s review.
On January 11, 2023, CACi received the consumer’s electronic credit reporting agency dispute in our office. At that time, we placed this account in a dispute status, conducted a reasonable investigation, and provided a response to credit reporting agencies.
CACi has requested the validation documentation pertaining to this account. Once this information is received it will be forwarded to the consumer for their review. We will also continue to send notification to credit reporting agencies to update this tradeline as disputed on the consumer’s credit report.
Should the consumer have questions or need further assistance, they may contact our office directly at 877/449-4411 or email us at [email protected].Customer Answer
Date: 03/09/2023
Complaint: 19548597
I am rejecting this response because:
I have reported that this was not a loan I took out. This loan would have been done fraudulently. I also can not view the notice that this company has attached to their response. I also did not receive a notice to my email as they claim I did.
Sincerely,
******** ********Customer Answer
Date: 03/15/2023
Complaint: 19548597
I am rejecting this response because:
I can not file fraud reports until I receive the information I requested from the collection agency regarding verification of the debt from the original creditor.
Sincerely,
******** ********Business Response
Date: 03/27/2023
March 27, 2023
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 19548597
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******** ******** (Complainant). Check Into Cash of California, Inc. d/b/a Check Into Cash, d/b/a Loan By Phone (LBP), a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they noticed this on their credit report (Equifax and Transunion) and claims they did not obtain a loan from Loan By Phone. They also claim they have not received notice from the original debtor of this problem and have not given the chance to remedy it through them. They believe it is a fraudulent account. They stated they tried to dispute it through Equifax and Transunion as a fraudulent account, but the collection agency is stating that it is the Complainant’s account. They are requesting a copy of the contract that was signed as they claim it was not them who signed it. They would also like to be able to open a police report on this fraudulent account.
A review of our records shows, on September 24, 2018, the Complainant obtained a loan with LBP online in the principal amount financed of $150.00 to be repaid in one payment of $176.47 due on October 5, 2018. As requested by the Complainant, we have mailed a copy of the loan agreement to the address provided in their BBB complaint.
On October 10, 2018, when the Complainant’s payment returned due to insufficient funds, the account went into past due status. Thereafter, collection activities commenced as permitted by law. Due to nonpayment, on February 27, 2019, the account was sold to Plaza Services, LLC reachable at ###-###-####. This may or may not be the entity reporting to the credit bureaus. LBP is not currently reporting this account to any credit bureaus.
LBP recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. As we are no longer the owner of the record, we urge the Complainant to direct their claim to Plaza Services for a proper investigation to occur.
LBP strongly urges any consumer who suspects that their information has been compromised to report such incidents to all applicable law enforcement agencies and take all possible precautions to secure their personal identification and financial information. Helpful tips concerning Identity Theft may be found on the Federal Trade Commission's website at ****************.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
PO Box 550
Cleveland, TN 37364
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