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
- 434 total complaints in the last 3 years.
- 146 complaints closed in the last 12 months.
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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:01/10/2023
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.
Loan dated 11/30/22 for $7,000 with craig, then he told me I owed for insurance and other fees, all refundable. It took a while I paid them then I was told by ***** ***** I owed late fees and the loan could be changed to 14k with no interest. Then it took more time ***** said around December 20th he would keep the loan open. I told him I couldn't pay the fees until 1/6/23. I paid 500 on 1/6 & 500 on 1/9.. I was sent an email that I would get the transfer I go after I sent proof of the transfer. Instead I got a not that I owed $1500 in late fees. There is nothing in the papers about these $4500 in refundable fees, or any fees. Stupidly I paid these fees.. All I want is either the funded loan with all refundable fees or the refundable fees paid back to me immediately.
Business Response
Date: 01/16/2023
********************
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 obtained a Loan on November 30, 2022, in the amount of $7,000.00 and was told me they owed insurance and other fees, all refundable. They paid fess in the amount of $500.00 on January 6, 2023, and $500.00 on January 9, 2023. Instead of a funded loan, they were told they owed an additional $1,500 in late fees. They are requesting a funded loan or a refund for all the fees they paid.
After a thorough search of Speedy Cash’s records, an incomplete application was initiated on November 9, 2022, under the Complainant’s information provided in the complaint; however, we did not locate any approved loan account. We strongly deny any correspondence provided within the complaint is from Speedy Cash or authorized on its behalf.
It is important to note that Speedy Cash never requests, nor requires pre-payment of any kind for any loan. Unfortunately, it appears that the Complainant may be a victim of a pre-pay loan scam. Speedy Cash is aware that, unfortunately, bad actors are posing as legitimate lenders in an attempt to defraud unsuspecting consumers. Speedy Cash encourages consumers to report all such fraudsters to local law enforcement agencies, the Federal Trade Commission (“FTC”) and the CFPB.
The Complainant is invited to visit Speedy Cash’s website at ************************ to learn more about protecting against such fraudsters. Additionally, the Complainant may call Speedy Cash directly at ###-###-#### to verify 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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:01/05/2023
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 money in my bank account yet Speedy agents continually claim that my bank debit card is no good.Business Response
Date: 01/11/2023
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 have money in their bank account and yet Speedy Cash continually claim that the bank debit card cannot be used for payment. They are requesting to be contacted by Speedy Cash so that the Complainant can make a payment toward their loan.
A review of Speedy Cash’s record shows on October 29, 2022, the Complainant obtained a payday loan with Speedy Cash online at ****************** in the principal amount of $255.00 to be repaid in full in the amount of $300.00 on November 29, 2022. At the time of the loan origination, the Complainant was provided with a copy of the signed loan agreement in which they agreed to the terms and conditions of the loan
On December 1, 2022, when payment was not received on the due date, the loan went into default status and collection activities commenced as allowed by law. On December 14, 2022, the Complainant was set up on a payment plan; however, the Complainant did not make any payments toward the loan thus breaking the payment plan. The Complainant’s outstanding balance is $315.00 which includes a $15.00 surcharge fee due to an ACH authorization that returned unpaid.
Regarding the Complainant’s claim that Speedy Cash continually refused to deduct payment using the Complainant’s debit card, a review of the payment history shows, on November 29, 2022, the debit card used to make a payment resulted in an error code of invalid transaction consequently blocking the debit card on file from being used for any future payment. Additionally, Speedy Cash’s records do not indicate the Complainant provided a new debit card number on the account to use for payment.
As this loan is currently past due, we encourage the Complainant to call our Customer Service department directly at 800-856-2911 to make payment arrangements for their current loan.
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].
SincerelyCustomer Answer
Date: 02/10/2023
I have been trying for over 30 days to pay off my loan. Speedy reps keep claiming that my debit card is no good. Inferring that I have no money in my account. I tried to file a complaint with the BBB and the BBB Ohio, assumes that Speedy is correct. This is a second complaint.Business Response
Date: 02/14/2023
February 14, 2023
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
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 have money in their bank account and yet Speedy Cash continually claim that the bank debit card cannot be used for payment. They are requesting to be contacted by Speedy Cash so that the Complainant can make a payment toward their loan.
A review of Speedy Cash’s record shows on October 29, 2022, the Complainant obtained a payday loan with Speedy Cash online at ****************** in the principal amount of $255.00 to be repaid in full in the amount of $300.00 on November 29, 2022. At the time of the loan origination, the Complainant was provided with a copy of the signed loan agreement in which they agreed to the terms and conditions of the loan.
On December 1, 2022, when payment was not received on the due date, the loan went into default status and collection activities commenced as allowed by law. On December 14, 2022, the Complainant was set up on a payment plan; however, the Complainant did not make any payments toward the loan thus breaking the payment plan. The Complainant’s outstanding balance is $315.00 which includes a $15.00 surcharge fee due to an ACH authorization that returned unpaid.
Regarding the Complainant’s claim that Speedy Cash continually refused to deduct payment using the Complainant’s debit card, a review of the payment history shows, on November 29, 2022, the debit card used to make a payment resulted in an error code of invalid transaction consequently blocking the debit card on file from being used for any future payment.To date, Speedy Cash’s records do not indicate the Complainant provided a new debit card number on the account to use for payment. We suggest the Complainant contact Speedy Cash directly ###-###-#### to add a new debit card number and make payment arrangements for their outstanding loan.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
5165 Emerald Pkwy #100
Dublin, OH 43017Initial Complaint
Date:01/03/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took a loan out from this company and i have made 7 payments all totaling to about 309$ 310$ the loan was for 390$ they are charging more for a customary fee what ever that is and only putting like 7$ towards the principal and i pay about 45$each time this loan should have alrdy been paid off or atleast down to 1 maybe 2 payments left,Business Response
Date: 01/09/2023
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). ******* Finance, Inc. DBA ****** ****, 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 a loan out from ****** **** and has made seven (7) payments totaling to about $309.00 or $310.00. They claim they pay about $45.00 each time and only $7.00 is going towards the principal. They also claim the loan should have been paid off. They are requesting that the loan be finished.
A review of ****** ****’s records reflects on September 1, 2022, the Complainant obtained an open-end credit plan online at www.speedycash.com with a credit limit of $390.00 with a cash advance amount of $390.00. The loan was funded via debit card. By signing the loan agreement, the Complainant acknowledges that they are provided with a copy of the loan agreement and further acknowledges that they have read, understand, and agree to all of the disclosures and terms of the loan agreement.
Open-end line of credit loans give Complainants the flexibility of repeated transactions without having to take out an additional loan. As the outstanding principal balance is paid down, the amount of credit the borrower is approved for is made available to advance. Daily finance charges accrue against the outstanding unpaid principal balance in accordance with Tennessee state law. Open-end credit involves billing periods and reoccurring minimum payments of finance charges and principal based on the outstanding balance of the loan. The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, ****** **** requires that minimum payments include a principal reduction of 2% or $2.50 for Complainants who get paid bi-weekly/twice-a-month, or 4% or $5 for Complainants who get paid monthly, whichever is greater. Billing statements are generated and sent to Complainants at least fourteen days prior to the payment due date. The billing statements include the next minimum payment due, next payment due date and total amount past due (if any). ****** **** encourages Complainants to use this product as a short-term financial solution and, whenever possible, payoff early to avoid accruing interest.
The Complainant acknowledged the terms and conditions of the loan by signing the loan agreement and disclosure statement. The loan agreement clearly discloses the annual percentage rate in accordance with the Federal Truth in Lending Act and Regulation Z. The signed disclosure statement detailed the first and second payment dates, the estimated payment amounts, as well as how the payment would be divided between interest and principal. By signing the disclosure statement, they acknowledged the following:
You are strongly encouraged to pay your principal balance as soon as possible to avoid continuing finance charges.
You should consider other credit products and options for long-term needs.
This is a high interest loan.
This loan accrues interest on a daily basis.
The Complainant was provided with copies of all signed documents for their records. ****** **** accepts payments at any time in any amount. The Complainant is encouraged to refer to their loan documents to see how the daily periodic rate is calculated and how payments are applied. Making more than the minimum payment due does result in an additional reduction of principal assuming payments are made on time. Customers are encouraged to make more than the minimum scheduled payment in order to reduce the outstanding principal sooner and reduce accrued finance charges.
A review of the payment history shows the Complainant has made seven (7) payments in the total amount of $309.09 toward the outstanding balance. Currently, the Complainant’s outstanding loan balance is $413.93.
****** **** 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 *******************@ccfi.com.
Sincerely,
BSG – Consumer Complaints
5165 Emerald Pkwy #100
Dublin, OH 43017Customer Answer
Date: 01/11/2023
if i have paid 309.19 towards the outstanding balance and the balance is 413. Then i shouldnt have much to pay, if they wanna make thing right they should pay that remainder 100 and close the account. Cause the way i see it is im still going to have to pay 300 to 400 more which my loan was 390 yes so why should i have to pay back alot more then my loan thays robbery and stealing, id go to jail and have a record if i robbed someone but its ok for them to do it.Initial Complaint
Date:12/28/2022
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.
Had a car loan with ***** **** $1,500.00 balance. My car was repo 10/10/2022 I received one document after it was pick up nothing else . I made numerous phone calls found out in December the car was sold for $3200 no kelley blue book. we are talking about a 2011 C300 Benz Good condition. asking me to pay for car wash and keys being made it is 12/28/2022 nothingBusiness Response
Date: 01/04/2023
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ******** (Complainant). ******* ***** Inc. dba ***** ****, 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.
Please note that Community Choice Financial recently completed its acquisition of the ****** ****, ***** **** and **** brands. Although the transaction in question occurred prior to the closing of the acquisition, we will, of course, work to resolve any concerns raised by the complaint
To summarize, the Complainant states they had a car loan with ***** **** with a $1,500.00 balance. They claim the vehicle was repossessed on October 10, 2022 and received one document after the vehicle was picked up and nothing else. They also claim the vehicle was not sold for the Kelley Blue Book value. They are requesting a billing adjustment.
As a brief background, the Complainant entered a title loan with ***** **** on December 14, 2021, in the principal amount financed of $2,800.00 at a storefront in Las Vegas, Nevada. The Complainant granted ***** **** a security interest in a 2011 Mercedes C-Class with a VIN ending in ****** and the Complainant agreed for ***** **** to be a perfected security interest holder. Subsequently, the loan went past due on June 11, 2022, and collection activities commenced as permitted by law. ***** **** made efforts to contact the Complainant in order to make payment arrangements.
A review of the loan history shows that the Complainant made a total of six (6) payments in the total amount paid of $4,630.61 toward the loan. On August 22, 2022, the Complainant was sent a Notice of Default and Right to Cure informing them of our intent to repossess the vehicle if payment is not made or received by September 11, 2022. On September 8, 2022, the Complainant made a collections payment in the amount of $198.31 and was set up with a payment plan. On October 4, 2022, the Complainant missed their payment thus breaking the plan.
When the payment plan was broken and no further payment was received from the Complainant, on October 10, 2022, ***** **** exercised its rights under the signed loan agreement and the vehicle was repossessed in accordance with all applicable laws and regulations. A $400.00 repossession charge was incurred and added to the Complainant’s account. The Complainant was sent a Notice of Intent To Sell and Right to Redeem Repossessed Motor Vehicle that informed them how to redeem their vehicle and who to contact with any questions regarding the repossession. The Complainant was given 15 days from the date of the notice to redeem the vehicle. The vehicle was sold on November 10, 2022, and the Complainant was sent a Notice of Explanation of Calculation of Surplus detailing the sale amount, what was applied to their loan and the surplus balance. The notice also included a refund check in the amount of $715.22 for the surplus balance.
Regarding the Complainant’s issue on the vehicle being sold below Kelley Blue book value, the Complainant’s vehicle was sold at an auction. Auctioned vehicles are not based on Kelley Blue Book value but rather based on trending auction values as well as the current condition of the vehicle. Further, dealers that bid on repossessed vehicles typically pay less than market value.
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 *******************@ccfi.com.
Sincerely,
BSG – Consumer Complaints
Customer Answer
Date: 01/05/2023
Everything they say is untrue I've received nothing again nothing from them I have not received any documentation I have received no check no nothing and I will be seeking an attorney because it is all untrue funny how they say that they sent documentation I have one piece of paper from them and that was July the 10th that is the only documentation I have from them and I had several loans and I've paid them all off so please inquire where is the money and where the documentation thank youBusiness Response
Date: 01/12/2023
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ******** (Complainant). ******* ***** Inc. dba ***** ****, 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.
We have confirmed with accounting that the surplus check has not been cashed, therefore we have issued another check and mailed 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 *******************@ccfi.com.
Sincerely,
BSG – Consumer Complaints
Initial Complaint
Date:12/25/2022
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 recently was checking my report and found a couple of items on my report that wasn’t mine or didn’t apply for . And this account is one of them. All this happened when i lost my wallet can you please help me out and remove this account this is causing my life a nightmareBusiness Response
Date: 12/30/2022
**********************
Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). Insight Capital, LLC dba Easymoney, 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 checked their credit report and found a couple of items that weren’t theirs or didn’t apply for. They claim all of this happened when they lost their wallet. They are requesting removal of the account on their credit report.
A review of our records shows, on October 18, 2022, the Complainant obtained an online installment loan from Easymoney in the principal amount financed of $2,000.00 with a finance charge of $5,394.38, and a payment schedule of 23 monthly payments of $308.16 starting on February November 17, 2022, and a final payment of $306.70 due on October 17, 2024.
Easymoney recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. If the Complainant is claiming they are a victim of identity theft, an investigation into the claim is necessary. Accordingly, we have forwarded the Complainant’s account to our Identity Theft department for investigation and will be in contact with the Complainant.
Easymoney 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 *****************************
Sincerely,
Customer Service – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:12/23/2022
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.
Check Into Cash Coolidge, AZ - took out a registration loan. Was told I wanted to pay every two weeks. Took out the loan on 10/24. The only way to pay for the loan is in branch (which seems behind the times) but I was ok doing it. The due dates so far have been 11/11, 12/2, and 12/23 -- Those sure don't seem like two weeks to me. Because of that, My loan sits at the same amount owed as when I started and I have wasted 100s of dollars.
The branch said there is nothing they can do to adjust my due dates, that the "system" controls this all. It seems like "the system" scams customers into paying as much as possible for the high APR loan by manipulating due dates and making the "payment amount" not enough to actually make a dent in the loan. If you are going to run this racket, you need to be upfront with customers.
I was told that my next payment would be calculated each time, and it would allow me to pay off the loan in 4 months (what I asked to do). This was a lie and I was intentionally misled. I would like to settle for the amount owed minus my previous payments, as you are running an obvious scam to bilk consumers.
I called the corporate line and you can't talk to anyone if you are having issues. If you wish to file a complaint, you have to tell the person on the line and they will submit it for you. That also seems like a very unscrupulous business practice. How do I know what the agent will write down? Why can't I do this myself? Merry Christmas indeed.
Business Response
Date: 12/29/2022
**************
Thank the Complainant for the opportunity to respond to the complaint filed by ***** *** (Complainant). Check into Cash (CIC), 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 their loan due dates with Check Into Cash were not set every two weeks. They are claiming Check into Cash is scamming customer’s into paying as much as possible for the high APR Loan by manipulating due dates and making the payment amount not enough to make a dent in the loan. They would like to settle for the amount owed minus their previous payments.
A review of Check into Cash’s record shows on October 24, 2022, the Complainant obtained a loan with Check into Cash in the principal amount financed of $800.00 at a storefront in Coolidge, Arizona to be repaid in full in a one-time payment of $867.06 on November 10, 2022. As part of this loan, the Complainant granted Check into Cash a security interest in a 2018 Land Rover Discovery Sport with a VIN ending in *****. On November 11, 2022, the Complainant made a payment of $71.01 covering the fees and interest and refinanced the principal balance of $800.00. The refinance loan was contracted to be repaid in full in a one-time payment of $882.84 on December 2, 2022; however, December 2, 2022, the Complainant made a payment of $82.84 covering the fees and interest and refinanced the principal balance of $800.00. The refinance loan was contracted to be repaid in full in a one-time payment of $882.84 on December 23, 2022. Again, on December 23, 2022, the Complainant made a payment for the fees and interest of $82.84 and refinanced the principal balance of $800.00. The refinance loan was contracted to be repaid in full in a one-time payment in the amount of $855.23 on January 6, 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, including the due date, are clearly disclosed in accordance with the Federal Truth in Lending Act and Regulation Z on the first page of the loan agreement. If the disclosed terms and conditions of the loan was unacceptable, the Complainant has the option to stop the loan process any time. The Complainant also had the right to rescind the transaction without paying the finance charge by 5:00 p.m. on the day following the date the agreement is signed.
It is important to note Check into Cash highly encourages customers to use this product as a short-term financial solution and that small-dollar loans used over a long period of time can be expensive. After reviewing the Complainant’s account, our records show the Complainant only paid the minimum payment and refinanced the existing balance on all three loans. 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 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,
Customer Service – Consumer Complaints
**** ******* **** **** ******* ** *****Customer Answer
Date: 01/03/2023
I am given a due date and a payment amount. Which is how all of your competitors handle this type of loan. I have no refinanced the loan as was stated. I come in, make payments, and get a receipt. This branch is deceptive in their tactics and do not explain what you should do. They yelled at me for not making payments every two weeks when YOU set the due dates. Not me. I am still asking to settle on this loan due to these factors
Regards,
***** ***Initial Complaint
Date:12/22/2022
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.
In cashes a settlement check for $24910.00 in Feb 2022 they charged me over $2400 to cash it I couldn't get all cash I had to get 3 different card one with $9500 $2500 and 3000 and 7500 dollars in money orders and some in cash because they said they had to wait on brinks a week went by I couldn't cash the money order nowhere but there I could only get 500 a day off the cards and was card another daily fee for the card and they was super rude to me. I got charged way too much and oh yeah after 2 weeks of waiting on brings to come I drove 2 hours away tocash them. And when I asked to speak to someone higher up they were always busy and they gave me a bogus number for cooperate.. and then on one the insight cards for 3000 just ended up having a zero balanceBusiness Response
Date: 12/28/2022
************************8
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******** ****** (Complainant). **********, 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 cashed a settlement check at a ********** location in the amount of $24,910.00 in February 2022 and was charged a fee of over $2,400.00. Additionally, they state they could not get all cash and were issued three different cards with $9,500.00, $2,500.00, and $3,000.00 loaded onto them and $7,500.00 in money orders. The Complainant alleges the ********** employees were rude, the card that was to have $3,000.00 loaded onto it had a $0.00 balance, and that they had to drive two hours to cash the money orders. They are requesting an explanation of charges, a refund, and a replacement.
A review of our records shows, on February 15, 2022, the Complainant presented a check in the amount of $24,051.90 for cash. The check presented was a business check which has a 10% fee to cash. This fee was visible at the storefront location the Complainant visited and was verbally provided to the Complainant prior to the transaction being completed. Due to the store’s limited cash funds and the Complainant’s request to cash the check, the Complainant was issued two reloadable **** cards in the amounts of $5,000.00 and $4,500.00, and $7,500.00 in money orders that could be cashed for free at a ********** location, resulting in the Complainant receiving $4,646.71 in cash after the check cashing fee. On February 17, 2022, the Complainant visited a different ********** location and cashed five (5) of the $1,000.00 money orders at no charge and loaded $3,000.00 onto a reloadable **** card. On February 18, 2022, the Complainant returned to the original ********** location and cashed the remaining money orders totaling $2,500.00 at no charge and again, chose to load the funds onto a reloadable **** card.
Regarding an explanation of fees, the only fee charged by ********** was the check cashing fee which was disclosed prior to the Complainant finalizing their check cashing transaction. As to the statement that the card that was to have $3,000.00 loaded onto it had a $0.00 balance, we checked our records and confirmed that $3,000.00 was loaded onto the Complainant’s card. If the Complainant is having issues using the card, we suggest they contact the card issuer at the phone number provided on the card.
It always our goal to exceed expectations; when that is not the case, we appreciate consumers bringing the situation to our attention so we may address and take any actions necessary to mitigate the risk of recurrence. Regarding the requested refund, our investigation into this matter did not reveal any wrongdoing or overcharge by **********. The check cashing fee was disclosed to the Complainant prior to the transaction being finalized and the money orders issued were cashed for no fee; therefore, we will not be issuing a refund. It is unclear what the Complainant is requesting to be replaced. If this is regarding the reloadable **** cards, the Complainant should contact the card issuer for a replacement.
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 * ******** ********** **** ******* **** **** ******* ** *****Initial Complaint
Date:12/20/2022
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.
Hello, I am writing today in regards to an ongoing issue I have with this company. I have spoken with 2 employees and a supervisor on todays date 11/12/2022. the issue here is the company has locked my debit card from being used to make any further payments due to having a 4500 payment for the last 4 consecutive days in a row. The company states I have exceeded the number of attempts allowed. They have also give me a 2 week period before my debit card will work. So in conclusion, there are literally not accepting money from me when I am ready to give it to them. In my opinion this is a way for them to accrue more interest on my account by blocking a parament for 2 weeks, which to me seems criminal! At an average of 425/day in interest accruing I am seeking a deduction from y account in the amount of $500 to cover any interest accrued while I wait 2 weeks for them to accept my moneyBusiness Response
Date: 12/27/2022
******************
Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant). Avio Credit Inc., dba Avio Credit, 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 Avio Credit blocked the Complainant’s debit card from being used to repay their loan. They claim Avio Credit is allegedly not accepting money for payment in a way to accrue more interest on loans. The Complainant is requesting a refund.
As a brief background, on October 31, 2022, Avio Credit’s records show the Complainant obtained an installment loan with Avio Credit online at www.aviocredit.com in the principal amount financed of $3,500.0 to be repaid in 25 bi-weekly payments of $388.22 beginning December 18, 2022, and a final payment of $388.74 due on October 18, 2024. 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 shows the Complainant made eight (8) payments toward the loan in the total amount of $3,707.26 paying off the loan in full. On November 11, 2022, Avio Credit received correspondence from the Complainant claiming Avio Credit has blocked their debit card for payment. We informed the complainant that their debit card was not blocked by us and advised that they call the debit card’s issuing bank. We also advised the Complainant to make a payment via ACH.
It is important to note Avio Credit encourages customers to use this installment loan 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. Customers also have the right to make payments in any amount in advance at any time. Further, Avio Credit does not block any form of payment involving legitimate transactions.
After reviewing the Complainant’s account, a refund will not be provided at this time. 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 *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Customer Answer
Date: 12/27/2022
The loan has in fact been paid of in full as of this writing! However, it is a blatant LIE that they claim their systems did not block my debit card and continued charging interest on something that they could have easily paused the interest accruing while waiting for THEIR SYSTEM to allow my debit card to make payments. I am very aware that this loan has been paid off in full, but could have been paid off a lot sooner and with way less interest accrued if their system didn’t block my payments. I have also reached out to my bank to confirm that it is nothing on my end nor my banks end to only be told to keep checking with my bank! This company is outright lying and doing whatever they can to charge more interest on an account that was being paid off by blocking payments for a period of time
Regards,
**** *****Initial Complaint
Date:12/20/2022
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.
The manager took my driver's license on purpose and didn't' remind me as a free customer service that she took it to update her system.
She lied and said she needed my personal information to update when I always to there and borrow
Business Response
Date: 12/30/2022
Thank you for the opportunity to respond to the complaint filed by ******* ******* (Complainant). Check into Cash (CIC), 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 that the Check Into Cash Store Manager took the Complainant’s driver’s license and did not remind her that it was taken. They would like their driver’s license back.
For the security of our customers, we request a form of identification to confirm the account belongs to the individual conducting the transactions. After speaking with the store manager, they confirmed that they do not have the Complainant’s driver’s license in their possession. The store employees also checked the store premises but could not find the Complainant’s Driver’s license. Should the Complainant’s lost driver’s license be found and submitted to us, we will immediately contact the Complainant to collect their ID.
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,
Customer Service – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:12/17/2022
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 borrowed 500 from ****** **** when I was in a desperate situation. I am paying back 330/ month. I didn't realize this predatory lender was charging 600% interst. I've already paid back what I've borrowed plus. I still have 4 months left. When it's all said and done I'll have paid back $1600 on a $500 loan. How is this legal?Business Response
Date: 12/22/2022
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by **** **** (Complainant). SCIL Texas LLC dba ****** ****, 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 borrowed $500.00 from ****** **** and is paying $330.00 per month. They claim they have paid back what they’ve borrowed and more but still have four months left of repayment. They claim they would have paid back $1,600.00 on a $500.00 loan. They are requesting a billing adjustment.
As a brief background, on September 10, 2022, ****** ****’s records show the Complainant obtained an installment loan with *** ******* ********** LLC online at www.speedycash.com in the principal amount financed of $600.00. On October 29, 2022, the Complainant refinanced their existing loan in the principal amount financed of $509.77. The loan was contracted to be repaid in four (4) monthly payments of $334.44 beginning December 1, 2022, and a final payment of $334.34 due on April 1, 2023. SCIL Texas, LLC DBA ****** **** is a registered Texas Credit Access Business (“CAB”) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. ****** **** services the loan and does not operate in Texas as a lender. ****** **** charges CAB fee amounts 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.
The Installment Loan allows customers to pay off their loan by giving a set schedule and minimum dollar amount for payment. ****** **** 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.
****** **** believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. A billing adjustment will not be provided at this time. 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 *******************@ccfi.com.
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****
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