Complaints

This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Community Choice Financial, Inc. has 1460 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Community Choice Financial, Inc.

  5165 Emerald Pkwy Ste 100 Dublin, OH 43017-1063

  
• 

  Community Choice Financial, Inc.

  801 Hebron Rd Heath, OH 43056-1357

  
• 

  Community Choice Financial, Inc.

  842 Delaware Ave Marysville, OH 43040-1724

  
• 

  Community Choice Financial, Inc.

  1301 E Main St Lancaster, OH 43130-4005

  
• 

  Title Max of Delaware

  127 S DuPont Hwy Dover, DE 19901

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.

• Initial Complaint

  Date:02/13/2023

  Type:Billing Issues
  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 a customer of check into cash for many years and have obtained & paid a lot of loans. Everything was fine during that time and I never had an issue but that has changed with cash central's involvement I am paid every other Friday and bank at a small credit union located in the city building. It's a credit union for city employees. My credit union doesn't have the updated systems that a large bank may have. Due to this my paycheck isn't posted until the teller arrive in the morning around 8am-8:30am. Check into cash's system is showing my payments are being returned because they attempt to retrieve the payment prior to 8:30am when my bank opens. But check into cash will resubmit the debit later that same day and is paid. Now because it appears I haven't paid as required I'm banned from reapplying. I have had multiple emails customer service, phone calls and chats, yet not person is willing to listen to my issue and escalate to issue to someone who may be able to fix it. I'm just treated like crap because they think I'm not paying. I shouldn't be penalized for making my payment on the day it's due. There is nothing that states check into cash will be making a debit prior to 8:30am. I'm just provides a Due date not a Due date and time. I would like to be able to continue as a customer but I need someone to listen to my issue and fix it.

  

  Business Response

  Date: 02/16/2023

  Thank you for the opportunity to respond to the complaint filed by ***** ********* (Complainant). Hoosier Checking Cashing of Ohio, LTD, 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 are banned from reapplying for a loan with Cash Central due to loan payments being returned. They claim Cash Central submits payments before 8:30 am on the day the payments are due prior to when the Complainant’s credit union processes their paycheck. The Complainant also states they should not be penalized for making a payment on the day a payment is due and there is no notice that states Cash Central will be making a debit prior to 8:30 am. They are requesting a billing adjustment.
  
  As a brief background, Cash Central’s records show, from August 1, 2022, to November 17, 2022, the Complainant obtained four payday loans with Cash Central. While all loans are paid in full, the original payment processed as outlined in the loan agreement did return from their financial institution as unpaid. Since then, it does appear the Complainant was declined for a loan.
  
  We understand that some financial institutions post deposits to accounts later in the business day and may choose to process debit transactions before credits, ultimately resulting in a timing issue for their clients. As a way to remedy this, Cash Central offers customers the ability to log into their Cash Central account and process a courtesy move for up to seven days allowing them to move the due date to when their financial institution will provide access to their direct deposit paycheck. Additionally, if customers are not able to log into their Cash Central account, they may contact our Customer Service department and request this courtesy move.

  It is important to note that there is no statute or law that governs what time a payment can be submitted on the day the loan is due in the state of Indiana and it is Cash Central’s business practice to submit payments the morning of the loan due date. It is also important to note that customers are never required to repay a loan through recurring electronic payments. The Complainant voluntarily authorized Cash Central to initiate EFT, ACH, or card payment transactions for re-payment of their loan by signing the loan agreement. At no time did the Customer revoke their payment authorization. 
  Cash Central did not ban the Complainant from doing business with us. The underwriting criteria are all automated in which different factors are considered while ensuring state specific requirements are met. We encourage the Complainant log into the Cash Central account and make any necessary updates, including, but not limited to their payday, and then to re-apply for a loan; however, we cannot guarantee approval.  

  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:02/12/2023

  Type:Billing Issues
  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 2/8/2023 Speedy/Rapid Cash withdrew $1,728.23 from my bank account without authorization. I will be attaching two documents: 1. My letter to BBB, including attachments of correspondence between me and Rapid/Speedy cash, 2. A copy of my bank transaction of the unauthorized withdrawal

  

  Business Response

  Date: 02/16/2023

  Thank you for the opportunity to respond to the complaint filed by ***** ******** (Complainant). Advance Group Inc., Dba Rapid 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 Rapid Cash withdrew $1,728.23 from the Complainant’s bank account without authorization on February 8, 2023. They are requesting an investigation into whether Rapid Cash was authorized to debit the past due payment.
  
  As a brief background, Rapid Cash’s records reflect that the Complainant obtained an installment loan with Rapid Cash on October 27, 2022 for the principal amount financed of $1,123.00 at a storefront in Las Vegas, Nevada. The loan contracted was to be repaid in two monthly payments of $582.75 due on November 9, 2022, and a final payment in the amount of $582.73 due on January 11, 2023.
  
  The Complainant signed a loan agreement that clearly discloses 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. Additionally, the Complainant also signed an Optional Loan Payment Authorization and Optional Payment Card Authorization that authorized and instructed Rapid Cash to initiate an ACH or debit card payments on the loan due dates, or in the event of default, to collect the outstanding loan balance.
  
  A review of the loan history shows the Complainant requested two due date changes, extending their due date to November 11, 2022, and then to November 16, 2022. When payment was not made on the due date, the loan went into past due status and collection activities commenced as permitted by law. Rapid Cash understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks such that making timely payments are difficult.  Accordingly, the Complainant was set up with a payment plan on November 17, 2022. On December 3, 2022, payment was not received breaking the plan.
  
  On January 26, 2023, the Complainant made payment in the amount of $20.00 using a new debit card number ending in ****. The Complainant saved the new debit card number to their account signing a new Optional Loan Payment Authorization and Optional Payment Card Authorization which authorizes Rapid Cash to initiate charges or debit in order to collect payment when due. On February 8, 2023, the repayment of the past due balance in the amount of $1,728.23 was made by debit card as authorized by the Complainant on the signed Optional Payment Card Authorization which states:
  
  Authorization for Collection Payments. We want you to know that the payment cards identified above (the “Payment Cards”) are currently associated with your Account. By signing this OPCA, you agree that we may initiate electronic payments on any of these Payment Cards to collect non-scheduled payments on any of our Loan(s) to you, including: (1) any past due amount; (2) any returned item (“RI”) fee (not applicable in Tennessee); or (3) the balance due after maturity or after we declare the entire balance due.
  
  We submit there was no unauthorized payment taken from the Complainant’s account. It is important to note that customers are never required to repay a debt through electronic payments. At no time did the Complainant revoke their payment authorization. We advise the Complainant to contact our Customer Service Department at ###-###-#### for additional questions or concerns regarding their account.
  
  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: 02/17/2023

  Rapid Cash/Speedy Cash withdrew $1,728.23 from my account. I am disappointed that BBB does not feel that this is acceptable.

• Initial Complaint

  Date:02/12/2023

  Type:Billing Issues
  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 made $75 payments every 2 weeks for 4 months, and my balance only goes higher. I have requested to see history and payment effects buy they say call. Calling does not answer questions about interest etc.

  

  Business Response

  Date: 02/17/2023

  ****************
  
  Thank you for the opportunity to respond to the complaint filed by **** ****** (Complainant). SCIL Inc. 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 have made $75 payments every 2 weeks for 4 months but claims their balance only goes higher. They requested to see a payment history but were told to call. They are requesting a billing adjustment.
  
  As a brief explanation of the Complainant’s account, an Open-End Line of Credit transaction in the amount of $565.00 .00 was completed online at www.speedycash.com on September 10, 2022 with cash advances of $553.000 taken over the course 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.  We counsel and have our customers acknowledge in writing the following:
  
  Notice: This is a HIGH INTEREST RATE line of credit, so we encourage you to reduce the amount of interest that you pay by making multiple payments, larger payments or even paying the entire principal amount off.
  
  The interest rate and interest charges are plainly disclosed on the first page of the loan agreement.  By signing the 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. 
  
  A review of the payment history shows Speedy Cash has promptly and accurately posted ten (10) payments totaling $684.87 toward the Complainant’s outstanding loan balance. The Complainant’s outstanding balance is $588.14 as of February 15, 2023. 
  
  As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, a loan balance adjustment will not be provided at this time. We encourage the Complainant to call our Customer Service department directly at ###-###-#### to discuss repayment options.
  
  Regarding the Complainant’s request for a payment history, we apologize for not providing their payment history at the Complainant’s initial written request they sent via email. We have mailed the Complainant their loan payment history showing their outstanding loan balance.
  
  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: 02/18/2023

  My balance does not go down.  I pay 150 per month roughly but the balance is the same every time.  I do not dare to pay any more because the balance would not go down and obviously the company does not understand this.
  Regards,if I have paid $750  for borrowing $500, why do I still owe $588.  If they do not put the money in until it has super late payments, that is not my fault.  Why do I have to pay for their poor work?  
  
  **** ******

  

  Business Response

  Date: 04/03/2023

  *************
  
  Thank you for the opportunity to respond to the complaint filed by **** ****** (Complainant). SCIL Inc. Dba Speedy Cash, a member of the 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 are rejecting our rebuttal response as they claim they have been trying to make a payment all weekend. They claim their balance goes up when they can’t make a payment.
  
  As previously stated in our initial response, the Complainant does not pay any additional interest or fees for successful payments made via ACH. Our records show an ACH payment posted to the account on March 28, 2023, paying the loan off in full. Should the complainant have additional questions or concerns on their account, we encourage the complainant to contact Speedy Cash 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
  ** *** *** ********** ** ***** 

• Initial Complaint

  Date:02/09/2023

  Type:Order Issues
  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 got loan on my car last year and I have been paying every month and now I have not paid for one month. I work nights and they cant call me. They have charged me a ridiculous amount in interest. I have paid them on time and now they are threatening to come and take my car. They constantly call me and threaten me daily. I have been charged ridiculous amount of interest per day. They are worse than a pay day loan

  

  Business Response

  Date: 08/04/2023

  Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant).
  TitleMax of Missouri, Inc., DBA TitleMax, 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 alleges, among other things, that she was “charged . . . a
  ridiculous amount of interest.” She further claims she is called constantly and threatened “daily”.
  
  TitleMax records reveal the Complainant originally entered into a twenty-four (24) month
  Consumer Installment Loan Agreement with TitleMax on August 6, 2019, in the original
  principal amount of $1,513.50 and pledged her 2012 GMC Acadia as collateral. Pursuant to the
  terms of the Agreement, The Complainant was required to make twenty-three (23) monthly
  installment payments of $213.71 beginning on September 14, 2019, and one (1) final payment of
  $213.52 on August 14, 2021, to satisfy and discharge her obligations under the Agreement. Since
  its inception, the Complainant chose to refinance the Loan five (5) times, at times adding
  additional funds. According to the most recent Agreement dated April 20, 2022, the Complainant
  was to make thirty-five (35) payments of $554.52 beginning May 28, 2022, followed by one
  payment of $551.22 due by April 28, 2025. As of the date of this letter, the account is in default.
  
  Before the Complainant entered any transactions, made payments, or other consideration, a
  TitleMax representative fully explained the terms and conditions of the Loan and Agreement, as
  well as the interest and the overcall cost of the Loan. In addition, page one (1) of the Agreement
  has a Federal Truth-in-Lending Disclosure that details, among other things, the Annual
  Percentage Rate (“APR”)(the cost of the credit as a yearly rate, including applicable fees), the
  Finance Charge (the dollar amount the credit will cost), the Amount Financed (the amount of
  credit provided to the customer on their behalf), and the Total of Payments (the amount paid
  after all payments have been made as scheduled). Further, the payment schedule is detailed
  below the Disclosure, which clearly details the amount and due date of each payment.
  
  As outlined in the April Agreement, the Loan is an amortized simple interest installment loan
  designed to be paid off over a thirty-six (36) month term. A portion of each payment, if paid on
  the due date, applies to both interest and principal. At the beginning of the Loan, interest takes up
  the majority of the payments. As time progresses, more of each payment is applied towards the
  principal. Interest accrues on a daily basis on the unpaid principal balance of a loan. The
  Agreement bearing Ms. ******* signature clearly states that (emphasis added):
  
  1.Promise to Pay; Co-Borrower Obligations: I promise to pay Lender, or to Lender’s order,
  the principal sum of $3,846.31 plus interest. I also promise to pay all other fees and charges in
  this Note. I must pay the amounts on or before the Payment Due Dates in the Payment Schedule
  above. If this Note is signed by more than one Borrower, each Borrower agrees to be liable to
  Lender jointly, and each Borrower will also be liable to Lender individually, for the Loan and
  other obligations under this Note. Time is of the essence.
  
  2.Interest; Application of Payments; Prepayment: Interest will accrue daily on the
  outstanding principal balance. The interest rate is 167.8800 % per year. Interest accrues
  from the Loan Date until the Loan is paid in full. Interest accrues based on the number of days
  elapsed over a 365-day year. Lender calculates and charges interest, including interest on past
  due principal, under Missouri law. If any finance charge or other fee is held invalid, the
  remainder shall remain in effect. Lender applies payments first to unpaid interest, then to fees,
  and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I
  pay all installments in full on the Payment Due Dates. I will owe less interest if I pay early or
  prepay. If I pay late or do not pay in full, I will owe more interest. I may prepay this Loan at any
  time without penalty.
  
  Prior to signing the Agreement, the Complainant was given the opportunity to examine the
  Agreement and its contents and provided with electronic access to copies of the same.
  Accordingly, by signing the Agreement, the Complainant attested that she expressly understood,
  acknowledged, and agreed to the terms and obligations contained therein.
  
  Also, TitleMax takes allegations of harassment seriously and review of her account finds their
  allegation to be without merit.
  
  Regarding telephonic communication, please note that the Company voluntarily adheres to the
  guidance outlined in the FDCPA when making consumer telephone calls, even though it is a
  first-party collector. The FDCPA allows calls only between the hours of 8:00 a.m. and 9:00 p.m.
  and prohibits calls made to harass a consumer. TitleMax policy only allows two calls per day to a
  consumer and the purpose of the calls is to reestablish communication, as recovery of a vehicle is
  the last resort. As a result, TitleMax’s intent is not to harass, but to work with consumers. The
  Company’s customer call log and notes on Ms. ******* account provide evidence that TitleMax
  did not call her telephone number on file more than twice on any given date.
  
  As shown in the above investigation, TitleMax has complied with all applicable laws, and finds
  no wrongdoing on the part of TitleMax. On August 31, 2023, the Complainant made a payment
  of $736.79 which satisfied the remaining balance in full, and the lien on the vehicle was released.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business
  Bureau require further explanation, we may be reached at *****************************
  Sincerely,
  
  BSG – Consumer Complaints
  
  Agreement and its contents and provided with electronic access to copies of the same.
  Accordingly, by signing the Agreement, the Complainant attested that she expressly understood,
  acknowledged, and agreed to the terms and obligations contained therein.
  
  Also, TitleMax takes allegations of harassment seriously and review of her account finds their
  allegation to be without merit.
  
  Regarding telephonic communication, please note that the Company voluntarily adheres to the
  guidance outlined in the FDCPA when making consumer telephone calls, even though it is a
  first-party collector. The FDCPA allows calls only between the hours of 8:00 a.m. and 9:00 p.m.
  and prohibits calls made to harass a consumer. TitleMax policy only allows two calls per day to a
  consumer and the purpose of the calls is to reestablish communication, as recovery of a vehicle is
  the last resort. As a result, TitleMax’s intent is not to harass, but to work with consumers. The
  Company’s customer call log and notes on Ms. ******* account provide evidence that TitleMax
  did not call her telephone number on file more than twice on any given date.
  
  As shown in the above investigation, TitleMax has complied with all applicable laws, and finds
  no wrongdoing on the part of TitleMax. On August 31, 2023, the Complainant made a payment
  of $736.79 which satisfied the remaining balance in full, and the lien on the vehicle was released.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business
  Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG – Consumer Complaints
  

  Customer Answer

  Date: 08/22/2023

  I totally disagree with this they are Try to take my car and the interest rate is too high and I’m being forced to give it up and I’ve been always do it and harassed by them and no one will help.

  Regards,

  ****** *****

  

  Business Response

  Date: 03/08/2024

  *******************
  
  Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant). TitleMax of Missouri, Inc., DBA TitleMax, 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 alleges, among other things, that she was “charged . . . a ridiculous amount of interest.” She further claims she is called constantly and threatened “daily”.
  
  TitleMax records reveal the Complainant originally entered into a twenty-four (24) month Consumer Installment Loan Agreement with TitleMax on August 6, 2019, in the original principal amount of $1,513.50 and pledged her 2012 GMC Acadia as collateral. Pursuant to the terms of the Agreement, The Complainant was required to make twenty-three (23) monthly installment payments of $213.71 beginning on September 14, 2019, and one (1) final payment of $213.52 on August 14, 2021, to satisfy and discharge her obligations under the Agreement. Since its inception, the Complainant chose to refinance the Loan five (5) times, at times adding additional funds. According to the most recent Agreement dated April 20, 2022, the Complainant was to make thirty-five (35) payments of $554.52 beginning May 28, 2022, followed by one payment of $551.22 due by April 28, 2025. As of the date of this letter, the account is in default.
  
  Before the Complainant entered any transactions, made payments, or other consideration, a TitleMax representative fully explained the terms and conditions of the Loan and Agreement, as well as the interest and the overcall cost of the Loan. In addition, page one (1) of the Agreement has a Federal Truth-in-Lending Disclosure that details, among other things, the Annual Percentage Rate (“APR”)(the cost of the credit as a yearly rate, including applicable fees), the Finance Charge (the dollar amount the credit will cost), the Amount Financed (the amount of credit provided to the customer on their behalf), and the Total of Payments (the amount paid after all payments have been made as scheduled). Further, the payment schedule is detailed below the Disclosure, which clearly details the amount and due date of each payment.
  
  As outlined in the April Agreement, the Loan is an amortized simple interest installment loan designed to be paid off over a thirty-six (36) month term. A portion of each payment, if paid on the due date, applies to both interest and principal. At the beginning of the Loan, interest takes up the majority of the payments. As time progresses, more of each payment is applied towards the principal. Interest accrues on a daily basis on the unpaid principal balance of a loan. The Agreement bearing Ms. ******* signature clearly states that (emphasis added):
  
  1.Promise to Pay; Co-Borrower Obligations: I promise to pay Lender, or to Lender’s order, the principal sum of $3,846.31 plus interest. I also promise to pay all other fees and charges in this Note. I must pay the amounts on or before the Payment Due Dates in the Payment Schedule above. If this Note is signed by more than one Borrower, each Borrower agrees to be liable to Lender jointly, and each Borrower will also be liable to Lender individually, for the Loan and other obligations under this Note. Time is of the essence.
  
  2.Interest; Application of Payments; Prepayment: Interest will accrue daily on the outstanding principal balance. The interest rate is 167.8800 % per year. Interest accrues from the Loan Date until the Loan is paid in full. Interest accrues based on the number of days elapsed over a 365-day year. Lender calculates and charges interest, including interest on past due principal, under Missouri law. If any finance charge or other fee is held invalid, the remainder shall remain in effect. Lender applies payments first to unpaid interest, then to fees, and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I pay all installments in full on the Payment Due Dates. I will owe less interest if I pay early or prepay. If I pay late or do not pay in full, I will owe more interest. I may prepay this Loan at any time without penalty.
  
  Prior to signing the Agreement, the Complainant was given the opportunity to examine the Agreement and its contents and provided with electronic access to copies of the same. Accordingly, by signing the Agreement, the Complainant attested that she expressly understood, acknowledged, and agreed to the terms and obligations contained therein.
  
  Also, TitleMax takes allegations of harassment seriously and review of her account finds their allegation to be without merit.
  
  Regarding telephonic communication, please note that the Company voluntarily adheres to the guidance outlined in the FDCPA when making consumer telephone calls, even though it is a first-party collector. The FDCPA allows calls only between the hours of 8:00 a.m. and 9:00 p.m. and prohibits calls made to harass a consumer. TitleMax policy only allows two calls per day to a consumer and the purpose of the calls is to reestablish communication, as recovery of a vehicle is the last resort. As a result, TitleMax’s intent is not to harass, but to work with consumers. The Company’s customer call log and notes on Ms. ******* account provide evidence that TitleMax did not call her telephone number on file more than twice on any given date.
  
  As shown in the above investigation, TitleMax has complied with all applicable laws, and finds no wrongdoing on the part of TitleMax. On August 31, 2023, the Complainant made a payment of $736.79 which satisfied the remaining balance in full, and the lien on the vehicle was released.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG – Consumer Complaints
  

• Initial Complaint

  Date:02/03/2023

  Type:Billing Issues
  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.

  Cash Central approved a Pay-Day Loan for around $ 600 in July 2022 using my social security number. That loan was fraudulent. My credit has been frozen for over two years with Transunion, Experian and Equifax. I also have Fraud Alerts with the three credit reporting agencies. Obviously, somebody at Cash Central did not check my credit using my social security number , or this could be an inside job ? I have never received any phone calls ( voicemails ) , texts, emails or USPS correspondence about this loan being past due. National Credit Adjusters, Hutchinson, Kansas, put the information on my Experian Credit report. My credit score went from 848 to 673, and this is not acceptable !! Cash Central and National Credit Adjusters need to be investigated. This fraudulent Pay- Loan should have never been approved !!!!

  

  Business Response

  Date: 02/22/2023

  February 22, 2023
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 18837951
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). Buckeye Check Cashing of Texas, LLC. Dba Cash Central, a member of the 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 Cash Central approved a $600.00 payday loan using the Complainant’s identity. They claim the loan should not have been approved as their credit has been frozen with Transunion, Experian, and Equifax for the past two years. They also claim they never received any correspondence about the loan. They are requesting the loan be removed from their credit report.
  
  Cash Central’s records reflect that on July 20, 2022, a Payday loan in the principal amount financed of $630.00 was obtained online at www.cashcentral.com with First Star Financial, LLC.  The loan was to be repaid in one (1) payment of $807.95, which includes the principal, lender interest, and CAB fee payment, due on July 29, 2022. Cash Central is a registered Texas Credit Access Business (“CAB”) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. Cash Central does not operate in Texas as a lender. Cash Central services the loan and charges CAB fees as permitted by Texas state law.
  
  A review of the loan history shows no payment was received. As a result of nonpayment, the loan was sold to National Credit Adjusters on December 8, 2022. This may or may not be the entity reporting the account to the credit reporting agencies.
  
  Cash Central recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Unfortunately, in this instance, it appears that the Complainant’s personal information was compromised prior to the loan transaction with Cash Central 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.
  
  As of January 20, 2023, Cash Central has relieved the Complainant of any liability regarding this loan, and the account with Cash Central has been closed as confirmed identity theft. On the same day, a request that the account be returned to Cash Central from National Credit Adjusters has also been submitted. National Credit Adjusters should request the deletion of any credit reporting when the account is returned to Cash Central.  Our records do not indicate that Cash Central is currently reporting this account to TransUnion, Experian, or Equifax. If the Complainant has evidence to the contrary, we ask they provide documentation so we may further investigate.
  
  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
  5165 Emerald Pkwy #100
  Dublin, OH 43017     

  Customer Answer

  Date: 03/02/2023

  BBB called the consumer using an automated calling system.  The consumer replied with a text message  with the number 1 indicating that their complaint was resolved and could be closed - see below for details:

  
  

  ###-###-####

  *****, ******* 18837951

  Community Choice Financial, Inc.

  Mar 2, 2023 1:15 PM

  
  

• Initial Complaint

  Date:01/31/2023

  Type:Billing Issues
  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.

  Today on 01/31/2023 Speedy Cash stole 666.94 from my bank account. I had no idea they were trying to charge me the full amount. They claim that they were trying to call me to work out a payment plan but when I told them I didn’t know and no one left me a voicemail or email they said they don’t leave voicemails or emails. And I told them I didn’t authorize the charge, that I have other bills I have to pay, and my daughters birthday is coming up and they took my whole paycheck. They said the payment is legit and not eligible for a refund. And that if I need more money for the next 2 weeks that I’m more than welcome to apply for another loan, but I don’t want another loan. I don’t want to do business with them anymore. They are thieves and I want my money back. Taking out this much without my consent is unethical and shady.

  

  Business Response

  Date: 02/06/2023

  *************
  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 that Speedy Cash was not authorized to process a 
  payment in the amount of $666.94 and that they were unaware that Speedy Cash would charge 
  the full amount. The Complainant also claims they were unaware that Speedy Cash was 
  attempting to contact them to work out a payment plan. The Complainant is requesting to have 
  the payment refunded.

  
  Speedy Cash’s records reflect that the Complainant obtained a loan on September 24, 2022, with 
  Ivy Funding Ninety-Six, LLC in the principal amount financed of $350.00 at a Speedy Cash 
  storefront in Round Rock, Texas. The loan was contracted to be repaid in 12 bi-weekly CAB fee 
  payments of $98.00 starting October 4, 2022, and a final payment of $465.06, which includes the 
  principal, lender interest, and final CAB fee payment, due on March 21, 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 does not operate in Texas as a lender. Speedy Cash services the loan and charges CAB fees 
  as permitted by Texas state 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 review of the loan history indicates that the account became past due on October 11, 2022,
  when the scheduled payment due on October 6, 2022, was not successfully made; thereafter, 
  collection activities commenced as allowed by law. The Complainant made two collection
  payments in the amounts of $98.00 and $12.50 on October12, 2022 and October 17, 2022,
  

  respectively, bringing the account current. The next two scheduled payments due on October 21, 
  2022, and November 1, 2022 were made on time. The third scheduled payment due on 
  November 17, 2022, was not made causing the account to become past due for the second time. 
  As such, the loan remained past due and collection efforts continued. 

  
  On November 29, 2022, our records show the Complainant made a $10.00 payment; however, 
  the payment was below the minimum payment and did not bring the loan current. Our records 
  indicate Speedy Cash attempted to contact the Complainant by phone in order to assist with 
  repayment but were unsuccessful. On January 31, 2023, a collection payment was processed for 
  the full balance of $666.94 with card ending in 2079 for the past due payment as allowed by the 
  signed loan agreement and the Optional Loan Payment Authorization that authorized Speedy 
  Cash to initiate an EFT, ACH or card payment in the event of default. 

  
  We submit that there was no unauthorized debit of the Complainant’s account. It is important to 
  note that customers are never required to repay a debt through recurring electronic payments. 
  The Complainant voluntarily authorized Speedy Cash to initiate EFT, ACH or card payment 
  transactions for re-payment of their loan by signing a written optional loan payment 
  authorization and requested that payment be taken from their bank card ending in 2079. At no 
  time did the Complainant revoke their payment authorization. 

  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no 
  discrepancy or concern in how the transaction was processed. We encourage the Complainant to 
  call our Customer Relations Department at ###-###-#### for questions regarding their 
  account. 

  
  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:01/31/2023

  Type:Billing Issues
  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 applied for a Speedy Payday loan back in 2015 to my knowledge it was between 250.00-350.00 it could be more or less however due to me leaving the area where I applied for this loan I was unable to pay.

  My identity has been compromised meaning sold to the dark web since 2013 due a breach from another company. I have not heard of companies large as Speedy Cash would have a third party contact me via phone when clearly after years of not hearing from Speedy Cash or any of it's affiliates

  I get a phone call today at exactly 2pm via to my mobile phone which I had know idea how they got my number a robot call voice about a settlement from a company named ******** ********* ****** the first {rep.} the call was disconnected however I call the number back which was not a toll free number then a operator answered and asked how to direct my call, mind you I had know clue it was Speedy Cash or someone claiming to be their company.

  I replied I just received a call from this number and was disconnected I don't know what the call was about or who I spoke to either. She then transferred me to a highly unprofessional woman who was talking at me instead of to me asking me my name and the last four of my social when I gave she then asked me what was the nature of my call I explained and she put me on hold but before acting as if someone was telling her what questions to ask me so after maybe 2 mins she then came back trying to make me angry and telling me in bits n pieces what the call was about

  then she finally said Speedy Cash I remained quiet to hear the background which the TV was very loud which put up a red flag then she told me I can't hear you so I walked to another room and she then started throwing out figures such as 896.00; 2,219 and 570.

  when I could not administer my credit card information she became out of control with a hint of rage I never ever had that happen if they were a legitimate company. She was talking over me and she said why are you angry I then hung up.

  

  Business Response

  Date: 02/06/2023

  ****************
  
  Thank you for the opportunity to respond to the complaint filed by ******** ******* (Complainant). 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 applied for a Speedy Payday loan in 2015 between the amounts of $250.00-$350.00 but were unable to pay it. They claim they received an unprofessional phone call from Speedy Cash attempting to collect the debt. They are requesting a refund, an explanation of charges, and no further contact from the business.
  
  A search of Speedy Cash’s records does not show any loan transactions under the name or personal information of the Complainant as provided in the complaint. Speedy Cash strongly denies the correspondence mentioned within the complaint was from Speedy Cash or authorized on its behalf. The Complainant appears to be a victim of a debt collection scam.
  
  Speedy Cash is not affiliated in any way with Champion Community Credit. Speedy Cash abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics in order to collect legitimate debt. Speedy Cash is aware that, unfortunately, bad actors are posing as collectors for legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment. Speedy Cash encourages consumers to report all such fraudsters to local law enforcement agencies.
  
  The Complainant is invited to visit Speedy Cash’s website, ************************* to learn more about how to protect against such fraudulent acts. Additionally, the Complainant may contact Speedy Cash directly at ###-###-#### to determine the legitimacy of any call or correspondence claiming to be from Speedy Cash.
  
  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
  5165 Emerald Pkwy #100
  Dublin, OH 43017     

  Customer Answer

  Date: 02/08/2023

  I accept the business's response to resolve this complaint.
  Regards,
  
  ******** *******

• Initial Complaint

  Date:01/27/2023

  Type:Billing Issues
  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 obtained a loan from Speedy Cash here in Houston due to an urgent matter. This is not my first time pulling out a loan. My first loan was paid off early. I paid off the loan in full an was suggested by an employer to pull out another loan and not pay in full because It would cost me more, so a second loan was obtained (current loan). I have not paid any late fees on this loan and was informed that I pay a little extra on each bill bi-weekly on payment day so it can reflect on my balance- which I have been doing. Two weeks ago I made my payment and my balance was around $1500. This week, I went to pay on my bill, and my balance was $1800+. I contacted customer service, and they told me that there was a $60 cab fee, and I was told the wrong information about my payments. Her exact words were " you should have been paying your regular payment on the payment due date and then pay the extra payment the next day or within 72 hours after the pay date." I told her that I had paid over each payment date, and she said it does not count because it was on the due date, so that's why my balance was increased. She suggested that I make a big payment of " 800 or more" and I should be fine. I informed her that I could not do that. I care for my sick mother, who has cancer, and I'm a full-time student, I don't have "extra" money. She told me there was nothing she could do. My complaint is not paying on the bill, it's that I tired to pay the bill off when I did have extra money and was encouraged to not do so because it will cost me more money. I do not want this on my credit, but I can't keep paying a bill that is not going to get reduced. Secondly, when I signed up for the loan, the information that was provided to me in the store was 100% different than what was told to me by customer service. No one is trying to help me and now I'm stuck and financially uncomfortable due to this issue.

  

  Business Response

  Date: 02/02/2023

  February 2, 2023
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  Re: BBB Complaint ID 18936816
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ***** ******** (Complainant). SCIL Texas, LLC dba Speedy Cash, a member of the CCF Intermediate Holdings LLC family of brands, appreciates the role of the Texas Office of Consumer Credit Commissioner in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they obtained a loan from Speedy Cash after being encouraged by an employee to get another loan instead of paying the loan off. They state that they were advised that it would cost more money to pay the loan off instead of reloaning. The Complainant also claims that they were provided misinformation about their loan at the store in Houston, TX. They are upset because no one is trying to help them, they feel stuck and financially uncomfortable. The Complainant is requesting to have this removed from their credit but can’t pay a bill that will not get reduced.
  
  Speedy Cash’s records reflect that the Complainant visited the Speedy Cash location in Houston, TX on August 5, 2022 and obtained a loan with Ivy Funding Eight, LLC in the principal amount financed of $749 to be repaid in 11 bi-weekly CAB fee payments of $164.78 starting August 26, 2022 and a final payment of $949.39, which includes the principal, lender interest, and final CAB fee payment, due on January 27, 2023. The Complainant subsequently refinanced their existing loan five (5) additional times on August 5, 2022, September 9, 2022, September 23, 2022, November 5, 2022, and December 3, 2022, borrowing additional funds in the amount of $351.00, $175.00, $1,100.00, $100.00, and $156.13, respectively. 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 does not operate in Texas as a lender. Speedy Cash services the loan and charges CAB fees as permitted by Texas state 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.
  
  Regarding the Complainant's claim that we encouraged the customer to take out another loan, we deny this allegation as Speedy Cash strongly 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.
  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. 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 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 Texas Office of Consumer Credit Commissioner require further explanation, we may be reached at [email protected].
  
  Sincerely,
  
  BSG – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017     
  

• Initial Complaint

  Date:01/23/2023

  Type:Billing Issues
  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.

  These people are crooks and took 2 different amounts automatically from my checking account. They deducted $98.90 on January 6 and then again January 20 for $158.08. I only get paid the 10th and 25th of the month. I called them today 1-20 and asked them if they could reverse it and they told me it will not be in their account until Monday but cannot reverse it. I will have to contact my bank and have a stop payment on it and will pay them on the 25th. These people need to be stopped for treating poor people like this. I only have $145 left in my bank account until the 25th. If I get an overdraft it will cost $30 additional dollars per overdraft.

  

  Business Response

  Date: 01/25/2023

  January 25, 2023
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed ** ****** ***** (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 Speedy Cash took two different amounts automatically from the Complainant’s checking account on January 6, 2023, in the amount of $98.90 and on January 20, 2023, in the amount of $158.08. The Complainant called on January 20, 2023, asking if they could reverse the payment but was told payment could not be reversed. They are requesting a billing adjustment.
  
  A review of Speedy Cash’s records reflects on December 12, 2022, the Complainant obtained an open-end credit plan online at www.speedycash.com with a credit limit of $1,000.00 with an initial cash advance amount of $1,000.00. By signing the Speedy Cash Open-End Credit Agreement and Disclosure Statement, the Complainant acknowledges that they are provided with a copy of the contract and further acknowledges that they have read, understand, and agree to all the disclosures and terms of the loan.
  
  A review of the payment history shows the Complainant made a payment of $98.90 on January 6, 2023, and a payment of $158.08 on January 20, 2023. The scheduled payment dates were based on the Complainant’s bi-weekly pay cycle as entered in their loan application. Further, it is important to note that the first and second payment dates along with the estimated payment amounts are detailed in the disclosure statement signed at loan origination. When the Complainant called to have the payment reversed on January 20, 2023, the payment was already initiated via ACH and could not be reversed.
  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Regrettably, a billing adjustment will not be provided at this time. We encourage the Complainant to call our Customer Relations Department at 1-800-856-2911 for questions regarding their account.
  
  
  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:01/19/2023

  Type:Order Issues
  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.

  The original amount of the loan was $900. I began payment in September 2019. I have made payments on this loan up to April 2022. I was informed that the company changed management to Community Financial LoansThe interest rate went up and the payments started over. I stopped paying in April 2022. I called to see what was going on with the loan on January 19, 2023. I was told I owed $1200 on the loan, which was interest-free. I do have documentation that will be shared with the Attorney General.

  

  Business Response

  Date: 01/26/2023

  January 26, 2023
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ****** ********* (Complainant). First Virginia Financial Services, LLC dba First Virginia, a member of the 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 in the amount of $900.00 in which they made payment starting in September 2019 until April 2022. They claim they were informed First Virginia changed management and the interest rate went up resulting in payments starting over. They are told they owe $1,200.00 on the loan interest-free. They are requesting a billing adjustment or refund.
  
  As a brief background, First Virginia’s records reflects on July 16, 2022, the Complainant obtained a line of credit with a credit limit of $900.00 with an initial cash advance amount of $900.00 at a storefront in Chesapeake, Virginia. At loan origination, the Complainant signed a line of credit agreement acknowledging that they are provided with a copy and that they have read, understand, and agree to all the disclosures and terms of the loan.
  
  After reviewing the Complainant’s payment history, it appears the Complainant made regular payments on the loan; however, payments were not regularly paid on time. Records show the Complainant made 22 late payments. Consequently, when payments were late, interest continued to accrue on the unpaid balance. Further, a $3.00 return fee was added to the balance for each unpaid item and a $25.00 late payment fee if the minimum payment is not made within 4 days of its payment due date. The Complainant had a total of $66.00 in return charges and $150.00 in late fees. Our records also show the Complainant advanced additional funds in the amount of $577.53 for the life of the loan.
  
  We believe that the conditions of the loan were clearly disclosed and find no discrepancy or concern in how the loan was processed. We urge the customer to refer to the first page of their signed loan agreement to see how the balance is calculated and to see the disclosed fees.  We also reject the Complainant’s claim that payments started over due to management change as there has not been any recent changes to First Virginia’s management.
  While we deny any wrongdoing, in the interest of goodwill, Speedy Cash has decided to waive the remaining balance as a courtesy. Should the Complainant have additional questions regarding their account, they can contact First Virginia Customer Service at 855-920-9800.
  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
  **** ******* **** **** ******* ** *****