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.

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  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

  
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  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:12/07/2022

  Type:Customer Service 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.

  Tried to make contact with this entity to pay off collections notice at one time, contacted them directly to pay off, they couldn't because they hired an attorney to attempt collections, contacted said attorney and said attorney stated they weren't involved with that company at that time. I then contacted the credit reporting agencies, in which they responded that they couldn't remove from my credit. Please see credit report agencies for more information.

  

  Business Response

  Date: 12/13/2022

  ******
  
  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.
  
  Please note that Community Choice Financial recently completed its acquisition of the Speedy Cash, Rapid Cash and Avio 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 tried to contact Speedy Cash to pay off an outstanding debt but was directed to the attorney handling the account. When the Complainant contacted the attorney, the attorney stated they weren't involved with Speedy Cash at that time. 
  
  A review of Speedy Cash’s records shows on July 7, 2017, the Complainant obtained an open-end credit plan at a Speedy Cash storefront in Wichita, Kansas with a credit limit of $500.00. The Complainant was approved through our scoring and underwriting process which verifies a customer’s credit history and income. At the time of the loan origination, the Complainant acknowledged the terms and conditions of the loan by signing the loan agreement and disclosure statement. 
  
  On August 4, 2017, when the minimum payment due was not made, the Complainant’s loan account was placed in past due status. Thereafter, collection activities commenced as allowed by law. Speedy Cash tried to contact the Complainant to help with repayment but were unsuccessful. Due to nonpayment, on January 6, 2018, the outstanding loan was placed with a nonaffiliated third-party debt collection agency, ** ***** ******** ********* **** **** ********
  
  Regarding the placement of the Complainant’s account to a law office for collections, there is no indication this action taken was by Speedy Cash, but rather Ad Astra. Speedy Cash has not attempted to collect the Complainant’s account since the date of reassignment of August 4, 2017. Should the Complainant have any questions regarding their account, they are encouraged to contact ** ***** directly at ###-###-####. 
  
  Sincerely,
  
  *** – Consumer Complaints
  **** ******* **** **** ******* ** *****

  Customer Answer

  Date: 12/14/2022

  It is untrue. I tried to contact ad ***** and the attorneys office, as well as speedy cash. I want this item removed from my credit report all of them, and I want compensation for my time trying to make contact with them. 
  
  Regards,
  
  ****** ****

• Initial Complaint

  Date:12/06/2022

  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 an on line loan with Speedy Cash which also may be named Rapid cash. I could not fine the address. I talked to a CS rep on Dec.6, to request to defer or move a payment to another date. I was informed that they are not liscensed in Virginia and she could not do either request. I asked why was the due date constantly changing and she has incorrect info one the system based on a pay date. I am no longer working and trying to work out a plan before a payment declines and was told that cannot be done unless the payment declines. This does not makes; but the CS rep said she could not makes changes.i do not want them in my account anymore and I wanted to ask the BBB if this company is not liscensed in Virginia; can they still collect payments? I asked for a supervisor; but was told that she did not think anyone could override or makes changes to the account that I have Thanks for your help in this matter.

  

  Business Response

  Date: 12/12/2022

  ***************
  
  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.
  
  Please note that Community Choice Financial recently completed its acquisition of the Speedy Cash, Rapid Cash and Avio 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 requested to defer a payment to another date and was told by a Speedy Cash representative that they could not honor the request. The Complainant is also questioning whether Speedy Cash has a license in Virginia and whether they can collect on loans without a license. They are requesting to be contacted by Speedy Cash. 
  
  As brief background, on January 7, 2020, the Complainant obtained an open-end credit loan online at www.speedycash.com in the amount of $450.00, with cash advances of $608.00 taken over the course of the loan. An open-end line of credit loans gives customers 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.
  
  On December 6, 2022, the Complainant expressed concerns on not being able to change the due date on their account. Regrettably, due to a business decision, customers with an existing open-end credit line in Virginia cannot change their payment due date at this time. 
  
  As for the Complainant’s concern regarding Speedy Cash not having a license in Virginia, it should be noted lenders may engage in extending credit under an open-end plan in Virginia, if under the plan a minimum 25-day grace period before interest can be charged on an account is applicable. The Complainant’s loan is in full compliance with all State and Federal laws. As detailed in the Complainant’s signed open-end credit agreement, upon default, it is within Speedy Cash’s rights to lawfully collect an outstanding debt.
  
  It should also be noted that we are no longer originating Speedy Cash Line of Credit Loans in Virginia. However, existing customers in Virginia will continue to have the ability to manage their loan online, including payments and cash advances.
  
  We appreciate the Complainant’s efforts in alerting Speedy Cash to their concern and the opportunity to resolve it. As requested by the Complainant, a Speedy Cash representative will be contacting the Complainant to address any additional questions or concerns. 
  
  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:11/21/2022

  Type:Customer Service 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 letter from collections agentcy. I called to find out why Check Smart was sending me to collections. They collections agency advised me that check Smart told then I went in ti one of their location on 9/26/2022 to chash a check for $50.00 and it had no funds so I owe them $50 plus $25 fee. I immediately advised the collections agency I don't cash check in that place for a while now since I have my onw checking account and I'm retired. The collections agency sent me "proof" of me cashing that Check. They sent a file and picture from 2019 and a copy of the ID I allegedly had presented, which is expired. They also sent them a copy of the check for $50 from a person I don't know and is said it was paying me for yard work. I would like to make it clear that I'm a retired elderly woman and I don't do any yard work. The back of the check was signed with my maiden name instead of my legal name and the date of birht I alledgedly provided did not match my real date of birth. This place still cashed that check even though I was not the person cashing it. I called the Check Smart place were I supposedly cahsed that check to ask for surveillence video with date and time that proves I cahsed check. I was told a manager would get in contatc with me. They never did. I decided to go request that video in person. While I was there I witnessed people cashing their checks there without an ID. I was once again denied that surveilance video. I called the police and made a repot. I called the place again today 11/21/2022 to try to get to speak with someone who can help me. The lady that took my call told me that there is nothing I can do as the police can't come in to the business and get involved because this is how check smart does business. I want that video so I can see if its someone I know that impersonated me or if it was an employee deliberately cahsing checks under unsuspecting clients names. If that is the case then that means there can be more victims like me out there.

  

  Business Response

  Date: 11/30/2022

  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ********* ****** (Complainant). CheckSmart, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states that someone else used their personal information to cash a check.  They are requesting for a video footage of the transaction and a correction to their credit report.
  
  CheckSmart takes identity theft very seriously and encourages consumers to report all such fraudsters to local law enforcement agencies. CheckSmart will cooperate with all appropriate law enforcement officials in their efforts to investigate, including a request for video footage, and identify those bad actors who perpetrate frauds on unsuspecting consumers. To make a claim of fraud, please call ###-###-####.
  
  Please note, CheckSmart does not report check cashing transactions or any outstanding balances resulting from a returned check to any credit reporting agency.
  
  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,
  
  Checksmart
  Dept: BSG-IDT
  5165 Emerald Pkwy Suite 100
  Dublin, OH 43017
  [email protected]
  Fax: ###-###-####

• Initial Complaint

  Date:11/15/2022

  Type:Customer Service 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.

  Phone Harassment... they keep call all hours...

  

  Business Response

  Date: 11/18/2022

  November 17, 2022
  
  Better Business Bureau
  **** ****** ****
  Columbus, OH 43215
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  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 are receiving phone harassment from Speedy Cash. Furthermore, the Complainant desires to not receive contact from Speedy Cash.
  
  As a brief background, Speedy Cash’s records reflect that the Complainant obtained a payday loan in the principal amount of $255 on November 23, 2021, online at www.speedycash.com. The loan was to be repaid in one payment of $300 on December 3, 2021.
  
  After a review of the Complainant's account, it appears the Complainant’s debit card was attempted on December 21, 2021, for $300 but was unsuccessful. On December 8, 2021, the payment was missed after being attempted through the Complainant’s bank account, thereafter the account went into past due status. Collection activities commenced as allowed by law.
  
  Speedy Cash abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics to collect legitimate debt. Per the Complainant’s request we have revoked communication consent as of November 10, 2022. If the Complainant has any further questions regarding their loan account, we encourage them to contact Customer Relations at *************
  
  We hope that we have fully addressed the complaint. Should she or the Better Business Bureau require further explanation, we may be reached at ****************************.
  
  Sincerely,
  
  BSG – Consumer Complaints
  **** ******* **** ****
  Dublin, OH 43017       
  

• Initial Complaint

  Date:11/14/2022

  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 took money from my account without my physical card present or permission. I told them I was filing for bankruptcy, and they lied to me and said they wouldn't charge my checking against my will but did so anyways. Now I am withdrawn from my checking account and on the verge of being homeless. These loan shark debt merchants should be ridden out of town on a rail! They fraudulently used my checking account against my permission and will and also lied to me.

  

  Business Response

  Date: 11/18/2022

  *******************
  
  Thank you for the opportunity to respond to the complaint filed by ******* ****** (Complainant). CheckSmart, 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 CheckSmart withdrew money from their bank account without his card present or permission. He is requesting a refund.
  
  A review of our records did not reveal the Complainant ever having a loan with CheckSmart, but rather they entered into a line of credit with *** ******* **** ***, which does business as *** *******. CheckSmart merely provides consumers with access to *** *******’s products. CheckSmart is not the lender and is not affiliated with the lender. Additionally, our records did not show any electronic payments processed by Checksmart using the Complainant debit card or bank account information.
  
  CheckSmart cannot respond to the Complainant’s statements about the particular terms of the product received, payments made, fees associated to this loan, or any automatic payments that may have been processed by the lender. CheckSmart recommends that the Complainant or the Better Business Bureau contact *** ******* at:
  
  *** *******
  **** *** ****
  
  ###-###-####
  
  We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  
  *** – Consumer Complaints
  **** ******* **** **** ******* ** *****

• Initial Complaint

  Date:11/08/2022

  Type:Service or Repair 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.

  Scummym title loan agency, the rep that worked up my loan lied about the whole process, promised things she clearly wasn't allowed to promise. I ran into some issues paying my payment, she pushed it back a month for me to recover, I am an identity theft victim and my credit cards were frozen due to fraud, I kept in constant contact with her for over a month. Showed her the letters from ******* *** showing the fraud investigation, she promised they wouldn't take my car said that she would give me 75 dollars off my payment, said they'd work with me. 2 days after I last spoke with her in person they snatched my car in the middle of the night 2 days before she said my payment was due, she told me prior the 16th of October and when I called she said my payment was due on the 14th. Something needs done about this deception, She made it all sound so good and that I had nothing to worry about I took the maximum amount I could and she screwed me. She also gave me a 700 dollar installment loan actually pressured me into taking the full 700 saying it was better for me to do so. My identity was stolen and I've already lost a huge amount of money and now my car. Shame on shady lying people

  

  Business Response

  Date: 11/14/2022

  **************
  
  Thank you for the opportunity to respond to the complaint filed by ****** ******* (Complainant). Buckeye Check Cashing of Arizona, Inc, dba CheckSmart, 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 claims a CheckSmart representative lied to them making promises they were not allowed to offer. The Complainant states they were unable to make their loan payment and that a CheckSmart representative pushed their payment due date back a month and stated CheckSmart would not take the Complainant’s car. However, their vehicle was repossessed two days after speaking with the representative. The Complainant is also claiming they were pressured into a $700.00 installment loan. The Complainant is requesting a billing adjustment and for their vehicle be returned.
  
  A review of our records shows, on August 8, 2022, the Complainant refinanced their title loan for $2,024.25, using $1,300.00 to pay their previous loan in full and receiving $724.25 in cash. The Complainant granted CheckSmart a security interest in a 2003 Honda Civic with a VIN ending in 5045. The loan was to be repaid in 35 monthly payments of $291.64 due on the 16th of each month starting on September 16, 2022, and one final payment of $286.59 due on August 16, 2025.  The Complainant missed the first and second payment and the account defaulted to our Collections Department; a repossession request was submitted, and the vehicle was obtained on October 20, 2022. The Complainant was provided with the intent to sell letter giving the Complainant 10 days to bring the account current or the vehicle would be sold. On October 28, 2022, the Complainant contacted CheckSmart and stated they were not interested in paying their loan and getting their vehicle back.
  
  We acknowledge that the Complainant did speak with a CheckSmart representative regarding their past due account, and while we sympathized with the Complainant’s current situation, there is no documentation on the Complainant’s account to support the claim that a CheckSmart representative promised their vehicle would not be repossessed. Furthermore, as outlined in the loan agreement, in the event of default, CheckSmart may take possession of the vehicle. When the Complainant did not make the first or second payment and their account become over 60 days past due, we exercised our rights in an effort to recoup funds issued to the Complainant.
  
  Regarding the Complainant’s claim that they were pressured into a $700.00 installment loan, the title loan and subsequent refinance, are the only loans the Complainant obtained from CheckSmart. Additionally, CheckSmart has policies and procedures, committed to treating its valued customers in a fair, honest, and transparent manner. CheckSmart reasonably ensures that its development, delivery, and servicing of products will not result in an act or practice that is unfair, deceptive, or abusive, and does not use pressure tactics to solicit products and services to our consumers.
  
  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: 11/14/2022

  this company is Shady unethical and needs to be put out of business. I never received any communication from these people not once I've called them and they've given me information to the wrong information I called the local office here in ******** ******* where I conducted business at and the gentleman that I spoke to on the phone told me that he had no idea where my car was he couldn't tell me. I have a witness that was there with me when I got the title loan and heard every word that ***** had said and she pushed my payment back yes she did and then I had the incident with identity theft obviously is way Beyond My Control. Come to find out that my local post office has a part in this as well I didn't receive the you are in default of your loan agreement letter that was sent out on October 18th until 3 days ago. I don't care about the car I want my personal belongings out of the car and if the car was sold and my personal belongings were disposed of because I've been getting the runaround from the scumbags at Buckeye Title Loans we're going to have more than a Better Business Bureau complaint
  
  Regards,
  
  ****** *******

  

  Business Response

  Date: 11/23/2022

  We regret that the Complainant is not satisfied with our response to their complaint. The Complainant obtained a loan on August 8, 2022, made no payment for over 60 days, causing their account to become delinquent. On September 27, 2022, the Complainant's account is documented that they would make a payment in the amount necessary to cover September and October’s payments on October 14, 2022, but no payment was ever received. Buckeye Check Cashing of Arizona, Inc dba CheckSmart then proceeded with the repossession of the Complainant's vehicle as outlined in their loan agreement.

  If the Complainant had made a payment as promised on October 14, 2022, their vehicle would not have been repossessed. Unfortunately, when no payment was received, the vehicle was repossessed on October 20, 2022. The vehicle has since been sold. CheckSmart will apply the proceeds from the sale of the vehicle to the Complainant's outstanding balance; if there is an overage of funds, a check in the amount of the overage will be mailed to the Complainant.
  
  

• Initial Complaint

  Date:11/01/2022

  Type:Customer Service 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 9/20/22, I took out a payday loan from Speedy Cash online for $255. The balance due was $300 on 10/7/22. On 10/7/22, $300 came out of my checking account to repay the balance as agreed via Debit card. On 10/11/22, speedy cash took another $300 via ACH. On 10/16/22, I realized that two payments were taken out of my account and emailed speedy cash. On 10/17/22, my checking account was almost negative so I was forced to take out another loan while they were processing getting me a refund. On 10/20/22, Speedy Cash refunded my $300. On 10/21/22, another $300 was removed from my account via ACH. I logged into my speedy cash account and found they reopened my 9/20/22 loan which is why the third $300 was taken. On 10/26/22, a fourth $300 was removed from my account via debit card. At this point, I called speedy cash. They apologized and said this has never happened before as Speedy cash has taken $1200 from my checking account to pay a $300 bill. They said it will take some time to look into this and to call back in 24 hours if I do not hear back. I did not so I called again. I was transferred to 3 different people and no one could tell me what the plan was to refund the now $600 they owe me. As of 10/31/22, I have not received any refund. They told me that the are reversing the fourth debit card transaction but it could take 5-8 days. They still owe me $300 which I told them they can apply to the 10/17/22 loan and I would not owe them anything nor they wouldn't owe me anything as long as I received the $300 refund that is promised. I am fed up. They do not call me back. The 10/17/22 loan is still on my account and they are sending me emails saying they will be taking $300 on 11/4/22 when it is due. I do not know what else to due at this point. I have never had a company take so much money without any concern of my livelihood and how I will feed my children and myself. Help please.

  

  Business Response

  Date: 11/04/2022

  November 4, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 18345744
  
  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 Speedy Cash took two additional payments out of the Complainant’s bank account forcing them to take out an additional loan. They are also claiming that Speedy Cash has not called them back regarding their concern. They are requesting for refunds to be issued due to the overpayments.
  
  As brief background, Speedy Cash’s records reflect that the Complainant visited Speedy Cash online at ****************** and obtained a payday loan on September 20, 2022 in the principal amount of $255.00 to be paid in full on October 7, 2022.  
  
  Regrettably, after reviewing the Complainant's account, it appears an isolated error caused the Complainant’s bank account to be debited three times for the loan payment amount of $300.00. Unfortunately, the overpayment refunds subsequently caused unintended errors resulting in the Complainant’s loan to reopen on several occasions prompting the system to collect payment. To rectify, Speedy Cash refunded the two payments made in error on October 19, 2022, and on October 26, 2022, for the total refund amount of $600.00 to the Complainant’s bank account. As a valued customer, we are also issuing a one-time courtesy credit to the Complainant’s bank account in the amount of $300.00 and as well as a refund for the finance charge in the amount of $55.00 on the Complainant’s current loan.
  
  We sincerely apologize for any inconvenience this caused and for the poor customer experience. If the Complainant was assessed any bank fees associated with this error, we ask that they provide a bank statement so that we may issue a refund. If the Complainant has any further questions regarding their refund or loan account, we encourage them to contact Customer Relations 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,
  
  BSG – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017     

• Initial Complaint

  Date:10/20/2022

  Type:Customer Service 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 took out a title loan on a vehicle with Check in to cash in June of 2021. In November of 2021 I surrendered my vehicle to the company. The plate never got turned in and I got flagged at the OMV. I have since tried to register a new vehicle and can't because I'm flagged over the vehicle I surrendered to Check in to cash. When I contacted them to get a copy of the paperwork they told me they lost it and I have no way to remove the flags at the OMV. I have called them multiple times trying to resolve the issue with no success. They aren't even trying to help me find a resolution.

  

  Business Response

  Date: 11/03/2022

  ************************
  
  Thank you for the opportunity to respond to the complaint filed by ******** **** (Complainant). Check Into Cash of Louisiana, Inc., dba 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 in June 2021, they obtained a title loan from CIC, and in November 2021, they surrendered their vehicle. The Complainant claims the plate was never turned in causing him to be flagged at the OMV. He has since attempted to register a new vehicle but was unable to due to the vehicle surrendered to CIC. The Complainant states when he contacted CIC, CIC stated they lost his surrender paperwork and claims CIC is not attempting to resolve the issue.
  
  A review of our records revealed, on August 20, 2021, the Complainant obtained a secured title loan from CIC in the principal amount of $883.04, with a finance charge of $96.99, and a due date of September 20, 2021. No payments were received on the account and on October 4, 2021, the Complainant surrendered the vehicle to CIC. Unfortunately, the CIC location where the Complainant surrendered his vehicle and completed the proper paperwork, closed and all documents became inaccessible to storefront employees and therefore, they were unable to take the necessary steps to remove the Complainant’s obligations to the vehicle title and/or registration.
  
  Since this situation was brought to our attention, CIC contacted the Complainant and on October 27, 2022, the Complainant visited a CIC location and completed surrender paperwork. The Complainant may provide this paperwork to the OMV to remove any obligation he may have for the vehicle. Should the Complainant experience any fees associated with this vehicle’s registration during the date range of October 4, 2021, to current day, we ask he provide documentation of such fees to [email protected] so we may take any necessary actions to resolve the situation for the Complainant.
  
  We apologize for the inconvenience this situation has caused, and we appreciate the Complainant bringing this to our attention and allowing us to correct the situation. If the Complainant requires further assistance, we ask he contact CIC’s Consumer Support Department at [email protected].
  
  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:10/19/2022

  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.

  This company allowed a person (not me) to take a Speedy Loan out in my name without my permission. When attempting to file a police report they will not provide me with any information to process the paperwork. The only information they will give me does not match any of my information. They put this on my credit report even though I have explained to them numerous times that this is fraud. They are unethically.

  

  Business Response

  Date: 10/24/2022

  October 24, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 18244683
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by *** ******** (Complainant). SCIL Inc. 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.
  
  Please note that Community Choice Financial recently completed its acquisition of the Speedy Cash, Rapid Cash and Avio 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 Speedy Cash allowed another person to take a loan out in the Complainant’s name. The Complainant also claims Speedy Cash will not provide any information to process the paperwork required to file a police report.
  
  A review of our records shows on July 28, 2016, an online installment loan was obtained in the Complainant’s name with Speedy Cash at www.speedycash.com in the principal amount of $500.00 to be repaid in 13 bi-weekly payments of $78.25 and final payment of $78.07 due on February 3, 2017. A review of the loan history shows on August 23, 2016, a payment in the amount of $$78.25 was received; however, no additional payments were received, and the loan went into a past due status. Thereafter, collection activities commenced as allowed by law.
  
  On November 22, 2016, Speedy Cash placed the account with an unaffiliated third-party collection agency, Ad Astra Recovery Services, Inc. (“Ad Astra”). Due to non-payment, on December 3, 2019, the loan was subsequently sold to National Credit Adjusters. This may or may not be the entity reporting the account to the credit bureaus. A review of our records does not show Speedy Cash is currently reporting this account to any credit bureaus.
  
  Speedy Cash recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Due to the Complainant’s claim of identity theft, Speedy Cash has submitted a request to the credit reporting agencies to delete any residual credit reporting. Please note, credit reporting agencies may take thirty (30) to forty five (45) days to process such requests. We have updated the account in the Complainant’s name with the claim of fraud to stop any future transaction absent written request and identity verification. Please note, as we are no longer the owner of record, this action does not resolve the Complainant’s debt with National Credit Adjusters.  
  
  For proper investigation to occur, we urge the Complainant to direct their claim of fraud to National Credit Adjusters. In addition, any further questions and concerns should be directed to National Credit Adjusters reachable at:
  
  National Credit Adjusters
  *** ** *** *********** *** ***** *************
  ###-###-####
  
  Speedy Cash strongly urges any consumer who suspects that their information has been compromised to report such incidents to all applicable law enforcement agencies and take all possible precautions to secure their personal identification and financial information. Speedy Cash will fully cooperate with any appropriate law enforcement agency in their efforts to investigate such crimes. As requested, we have mailed the Complainant a copy of the loan agreement and loan history to the address provided in the Complaint.
  
  We hope that we have fully addressed the complaint. Should she 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      

• Initial Complaint

  Date:10/18/2022

  Type:Customer Service 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 opened a loan for $835 with Speedy cash. Although I was told the if I made my regular payments I would owe more.. What did they did not tell me is that one I would have to pay the following week I got the money and two that even if I made an extra payment, it would just deduct from my regular payment.. I have made two payments of $212 plus an extra 73 dollars and my current balance is $877...This company is a rip off!!! I want a reasonable interest rate and my payments to reflect the right balance!!! This is the worst loan company I've ever used!!!

  

  Business Response

  Date: 10/20/2022

  October 20, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 18243525
  
  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 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 is charging unreasonable interest rates and the worse company they have ever used. They are requesting for a reasonable rate and for payments to reflect the right balance. 
  
  Speedy Cash’s records reflect that the Complainant visited Speedy Cash online at ****************** and obtained an installment loan on September 14, 2022 from Ivy Funding Ninety-Six in the principal amount financed of $835.00 to be repaid in 12 bi-weekly payments of $212.62 starting September 23, 2022 and a final payment of $212.38 due on March 10, 2023. **** ****** *** 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.
  
  The Installment Loan payment schedule allows customers to pay off their loan by giving a set schedule and minimum dollar amount for payment.  Speedy Cash encourages customers to use this product as a short-term financial solution and whenever possible, payoff the outstanding principal balance early to avoid accruing interest.  The balance may be paid back at any time with no penalty for early payoff. 
  
  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. The disclosed finance charge assumes that all payments are made on the dates disclosed in the loan agreement.
  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Should the Complainant have additional questions regarding their account, they can contact Customer Relations department at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should she 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      Tell us why here...

  Customer Answer

  Date: 10/28/2022

  The only thing you stated what that I agreed to the loan..You did not tell me that if I made a payment before my due date.That it would be pointless because it simply subtracted from my due payment..I spoke with a rep from them who said it was because I made that payment early and my moving the due date was why it went higher than what I owe..I still don’t agree with them..The interest rate is absurd!!!
  Regards,
  
  ******* ******