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.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/17/2022
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.
My identity was stolen in 2019. Someone online applied and was granted a title loan from speedy cash. I called the police and had a complaint filed. I sent this over to speedy cash fraud dept. They stated on the phone that this was now canceled and placed for fraud. I just received a letter from a debt collector for this same loan i did not have. The vehicle that was on the file was never in my bame and dmv verified. I called speedy cash today just to be told to call back.i will get a lawyer if this is not resolved.
Business Response
Date: 10/21/2022
Thank you for the opportunity to respond to the complaint filed by ***** ***** (Complainant). A Speedy Cash Car Title Loans, LLC dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
Please note that Community Choice Financial recently completed its acquisition of the Speedy Cash, Rapid Cash 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 claims that they received a collection letter from a debt collector regarding a previously disputed loan that was fraudulently obtained due to identity theft with Speedy Cash. They are requesting a correction to their credit report and for collection activities to stop.
Speedy Cash’s records reflect that on February 27, 2019, a loan in the principal amount financed of $500.00 was obtained online at www.speedycash.com using the Complainant’s personally identifying information. The loan was contracted to be repaid in 51 bi-weekly payments of $39.71 beginning March 12, 2019 and a final payment of $39.67 due on February 23, 2021. When payment was not received on the loan account, collection activities commenced, as allowed by law. Due to nonpayment, the outstanding loan account was placed with a third-party debt collection agency, ** ***** ******** ********* **** (“** ******), on August 6, 2019.
Speedy Cash recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. When a debt dispute involves an allegation of fraud or identity theft, an investigation into the claim is necessary. For Speedy Cash to complete a thorough investigation, the consumer is asked to provide a copy of a filed police report or Federal Trade Commission (“FTC”) Identity Theft Affidavit indicating they have been a victim of identity theft.
Based on our investigation, it appears we have received all the required documentation from the Complainant to confirm that the account was obtained fraudulently. Regrettably, due to human error, the loan account was inadvertently not flagged as fraudulent during the initial dispute process.
We apologize for this oversight and regret any inconvenience this has caused the Complainant. Speedy Cash has relieved the Complainant of any liability regarding this loan. In addition, the Complainant’s information has been blocked in our system to prevent any future fraudulent activity with Speedy Cash. Further, Speedy Cash submitted a request to credit reporting agencies (CRA’s) to delete any credit inquiries or reporting. Please note, the deletion process may take between thirty (30) and forty-five (45) days to complete. Should the Complainant have additional questions, we encourage them to contact Speedy Cash’s Fraud Department directly 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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:10/17/2022
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.
October 3rd 2022 speedy cash at ***** *** ****** in Denver Colorado I went to this location to pay off my loan that they say they were having computer issues and they charged me twice when they was only suppose to charge me once. I caught it showed them on my bank app they told me to call my bank I did and navy federal credit union said that the charge was on speedy cash end so I am guessing the manager refunded the money but she said once it post they need a settlement letter from my bank well I went back in October 13th showed them the settlement letter cause other wise I would have to pay on something that I didn’t owe on October 17th well she comes back to me the same lady that helped me on the 3rd of October and says owe you still owe because there were 3 charges and one was refunded I said no only 2 was charged and I got the refund and you told me to bring in a settlement letter and this would be all taken care of and my bank shows proof I f the charges. She said she talk to someone else from I am guessing their accounts department and and she showed me paperwork for 3 charges on speedy cash side I was like well have bank account right here shows two charges one refunded cause of your mistake she was like well I am trying to still get it sorted out through accounting department. She said it would for sure be sorted out by noon and n the 14th of October she would contact me never heard back from he and tomorrow is the 17th of October. With work I have not been able to go in person plus I am irate cause I feel like they are trying to scam me. I don’t want to pay $525.33 that I don’t owe. She even said that it happened to another person and they took care of the other person the same issue. So they know their system were messing up on that day October 3rd why is speedy cash still make me fight this.Business Response
Date: 10/20/2022
Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant). Cash Colorado, 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 visited a Speedy Cash store front in Denver, CO to pay off their loan but was charged twice instead of once. The Complainant is also claiming they were notified a balance was still owed on the account even though the balance was paid.
As a brief background, Speedy Cash’s records reflect that the Complainant visited a Speedy Cash store front in Denver, CO and obtained a loan on September 9, 2022 in the principal amount financed of $500.00 to be repaid in three (3) monthly payments of $148.75 beginning October 3, 2022 and a final payment of $148.75 due on January 3, 2023.
After a review of the Complainant's account, regrettably, it appears the Complainant’s bank account was debited twice for the loan payment amount of $525.33 due to an isolated system error. To rectify, Speedy Cash refunded the duplicate payment in the amount of $525.33 to the Complainant’s bank account. Unfortunately, the payment refund subsequently caused an unintended error resulting in the Complainant’s loan to reopen. After identifying the error, Speedy Cash applied the payment toward the Complainant’s outstanding balance paying off the loan in full.
We sincerely apologize for any inconvenience this may have caused or if this may have resulted in a 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 she or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:10/17/2022
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 pulled my credit file had company i had not recognized on my report Speedy Cash July 2019 i called them they stated that someone got cash with them i asked questions who opened the account who came in where was the money deposited and they stated this account was opened online and could not provide any proof or documentation of this debt to me and it's ruining my credit . I have try to work it out with the company and they want me to pay for something i did not open and they have not provided any proof of this debt or person that came in to get this money or opened this account online. I was a victim of identity theft i am military and this was something i didn't look at until my credit was pulled for my potential home purchase. I need this matter as soon as possible due to the issues it's causing me and would like any assist you can provide.Business Response
Date: 10/20/2022
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.
To summarize, the Complainant states that they were a victim of identity theft. They are requesting a correction to their credit report as soon as possible.
As a brief background, the Complainant obtained an open-end credit plan with a credit limit of $450.00 online through their personal www.speedycash.com (“Speedy Cash”) account on November 30, 2018. Open-end credit involves billing periods and reoccurring minimum payments of finance charges and principal based on the outstanding balance of the loan. The amount of each loan payment is calculated based on interest that accrues on the principal balance for the days in the billing cycle. The Complainant signed the loan agreement acknowledging their understanding of the terms and conditions.
Our records show Speedy Cash sent the first billing statement to the Complainant on December 10, 2018 in order to comply with the billing statement timing requirements in the Federal Truth in Lending Act. A review of the loan history shows the Complainant made four (4) payments toward the loan; however, when the next payment was missed, the account went into past due status. Thereafter, collection activities commenced as allowed by law. Speedy Cash attempted to contact the Complainant to assist with repayment options but were unsuccessful.
Subsequently, due to nonpayment, Speedy Cash placed the delinquent loan account with its nonaffiliated third-party debt collection agency, ** ***** ******** ********* ***** **** *******, on July, 26, 2019. This may or may not be the entity reporting this account to the credit bureaus. The Complainant is encouraged to contact ** ***** directly at ###-###-#### to make arrangements to satisfy the outstanding debt, or with any further questions regarding their loan account.
Speedy Cash recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. When a debt dispute involves an allegation of fraud or identity theft, an investigation into the claim is necessary. For Speedy Cash to complete a thorough investigation, the consumer is asked to provide a copy of a filed police report or Federal Trade Commission (“FTC”) Identity Theft Affidavit indicating they have been a victim of identity theft. To date, no documentation has been received.
An initial investigation into the claim of fraud using the information provided on the complaint did not reveal any basis in which to conclude that the loan in the Complainant’s name is the result of fraud. If the Complainant wishes to pursue a claim of identity theft, we ask they contact Speedy Cash directly 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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:10/12/2022
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.
This was reported to the credit bureaus as a default however I made all the payments for this loan and I am willing to share my bank statement. The following dates and amounts were debited from my Bank of America account please make a correction and send me a letter that it was paid. This came up on my credit report and I have to fix it right away or I am losing out on a lucrative employment opportunity. The collection agency AdAstra also attempted to debit $726.00 from my bank account which I reported as fraud. 03/19/2020 190.98 04/03/2020 190.98 04/17/2020 190.98 05/01/2020 190.98 05/14/2020 190.98 06/12/2020 190.98 06/26/2020 190.98 07/09/2020 190.98 07/20/2020 190.98 08/14/2020 190.98 08/28/2020 190.45Business Response
Date: 10/17/2022
***************
Thank you for the opportunity to respond to the complaint filed by ***** ******* ***** (Complainant). SCIL Texas, LLC 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 have made all the payments on their loan with Speedy Cash. They are requesting a correction to their credit report.
As a brief background, Speedy Cash’s records reflect that the Complainant visited Speedy Cash online at www.speedycash.com and obtained an installment loan on March 4, 2020 from Integrity Texas Funding LP in the principal amount financed of $750.00 to be repaid in 12 biweekly payments of $190.98, and a final payment of $190.45 due on August 28, 2020. 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 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 loan terms and repayment schedule. Further, as explicitly stated in the loan agreement under Finance Charges, “you will owe less interest if you pay early and will owe more interest if you pay late.”
After reviewing the Complainant’s payment history, the Complainant made regular payments on the loan; however, several payments were not made on time. Records show the Complainant made seven (7) late payments; consequently, when payments were late, interest continued to accrue on the unpaid balance. Furthermore, records show the Complainant also requested three (3) due date changes resulting in additional interest charges.
On August 29, 2020, when payment was not received, the Complainant’s loan account was placed in a past due status. Thereafter, collection activities commenced as allowed by law. Speedy Cash attempted to contact the Complainant in an effort to assist with repayment but were unsuccessful. Due to nonpayment, on December 1, 2020, the delinquent loan was placed with an unaffiliated third-party debt collection agency, ** ***** ******** ********* **** (“** *****”).
Speedy Cash appreciates the Complainant’s business and for bringing this situation to our attention. While we deny any wrongdoing, in consideration of the Complainant’s total payment towards the loan, Speedy Cash has decided to waive the remaining balance as courtesy. As such, we have requested Ad Astra initiated the process of reporting the zero balance to the credit reporting agencies as Speedy Cash is not reporting this account to any credit reporting agency. Should the Complainant have additional questions regarding their account, they should contact Customer Relations department at ###-###-####.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Business Response
Date: 10/17/2022
October 17, 2022
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 18204644
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 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 have made all the payments on their loan with Speedy Cash. They are requesting a correction to their credit report.
As a brief background, Speedy Cash’s records reflect that the Complainant visited Speedy Cash online at www.speedycash.com and obtained an installment loan on March 4, 2020 from Integrity Texas Funding LP in the principal amount financed of $750.00 to be repaid in 12 biweekly payments of $190.98, and a final payment of $190.45 due on August 28, 2020. 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 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 loan terms and repayment schedule. Further, as explicitly stated in the loan agreement under Finance Charges, “you will owe less interest if you pay early and will owe more interest if you pay late.”
After reviewing the Complainant’s payment history, the Complainant made regular payments on the loan; however, several payments were not made on time. Records show the Complainant made seven (7) late payments; consequently, when payments were late, interest continued to accrue on the unpaid balance. Furthermore, records show the Complainant also requested three (3) due date changes resulting in additional interest charges.
On August 29, 2020, when payment was not received, the Complainant’s loan account was placed in a past due status. Thereafter, collection activities commenced as allowed by law. Speedy Cash attempted to contact the Complainant in an effort to assist with repayment but were unsuccessful. Due to nonpayment, on December 1, 2020, the delinquent loan was placed with an unaffiliated third-party debt collection agency, Ad Astra Recovery Services, Inc. (“Ad Astra”).
Speedy Cash appreciates the Complainant’s business and for bringing this situation to our attention. While we deny any wrongdoing, in consideration of the Complainant’s total payment towards the loan, Speedy Cash has decided to waive the remaining balance as courtesy. As such, we have requested Ad Astra initiated the process of reporting the zero balance to the credit reporting agencies as Speedy Cash is not reporting this account to any credit reporting agency. Should the Complainant have additional questions regarding their account, they should contact Customer Relations department at 1-800-856-2911.
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:09/30/2022
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 have been a Great and Reliable consumer and have had an account with this company for Many... years. Two times during these many years I have had Serious problems with cashing my check through No... fault of my own. As a direct, I was offered by ccf /checksmart a discounted rate on All... future check cashing.
This was working fine up until September 12th 2022. I went into the ********** ** store location to cash my check. I was told by the store that I would Not... get the promised discounted rate. I then made a complaint with the Dublin Corporate office about this matter on September 14th 2022. I was Promised by the corporate office a call back from The District Manager (DM). I received No... call or voicemail.
I then called back in on September 20th 2022 and advised that I was still waiting for resolution so that I could cash my check at the promised rate. I talked to an **** on this day. **** stated that she did not know what to do for almost an hour of me talking to her. Then **** stated that she would have her Manager call me back. I received No... call back from ****** manager.
I then called back on September 27th 2022. I was transferred 6 times, yes 6 times to the Wrong department. I then talked to Talan in the wrong department who stated that he was a supervisor but that he would have to get a message for the manager in the Correct... department to call me back.
As of today September 30th 2022, I am still waiting for the 2 Promised call backs from the District Manager And... the Complaint Manager.
I am Currently... being Ignored by ccf and have had No... Resolution.
And... I am being Denied of me being able to cash my check at the Correct and Promised Rate. Me cashing my check is currently being held Hostage by ccf.
Please advise.
Business Response
Date: 10/07/2022
*****************
Thank you for the opportunity to respond to the complaint filed by Ms. ****** ****** (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 on September 12, 2022, she visited a CheckSmart location to cash a check; however, she was informed that she would not be receiving a promised discounted check cashing rate. She submitted a complaint to the corporate office but has yet to receive a call back regarding the situation. She is requesting to be able to cash her check at the discounted rate and follow up from management.
A review of our records revealed, the Complainant has a long history of conducting check cashing business with CheckSmart. Their account is documented that they are to receive a discounted check cashing fee. On September 12, 2022, the Complainant visited a CheckSmart location to cash a check and this service was going to be completed at the discounted rate; however, the Complainant asked for her check back to obtain a copy. When the Customer Service Representative (CSR) gave the Complainant her check back, she left the location without completing her transaction.
The Complainant contacted our corporate office on September 14, 2022, and requested a call back from management. The CheckSmart location’s District Manager attempted to contact the Complainant on September 14, 2022; however, there was no answer. The District Manager tried again on October 3, 2022, and again there was no answer.
We are sorry we did not meet the Complainant’s expectations. It is always our goal to provide an excellent experience. CheckSmart would be happy to cash the Complainant’s check at the documented discounted rate. The Complainant is free to visit a CheckSmart location to do so. The Complainant should also expect another call from management regarding this situation.
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: 10/14/2022
It is unfortunate that the Checksmart/Community Choice CSR does Not... know and/or understand what is going on with the Actual... Complaint. It is a LIE... that I was offered the discounted rate when I went into the local location on September 12th of 2022. I left and contacted the corporate office because I was Not... offered the Promised discounted rate of 5% for cashing all of my checks. On October 7th 2022 I was Finally... Directly contacted by the District Manager who resolved everything. The District Manager Apologized and Updated my account to show that I AM... to get the discounted rate for cashing my check of 5% Indefinitely... As a direct result of the District Manager doing her job and Honoring the company's Promised discounted rate of 5% for me cashing my check, I was able to Successfully... cash my check at the Promised Discounted rate of 5% on October 10th of 2022. As a Direct result of the District Manager's help and Not... the local location, the BBB complaint matter has been resolved.Business Response
Date: 12/26/2023
December 26, 2023
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 18149777
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Ms. ****** ****** (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 they have two accounts with this company and on one of their accounts, they were told some locations cannot help them due to contacting the corporate office location. As a direct result, they must drive all over to find a location to help them with their account and feel this is unacceptable, outrageous, and maybe **************. They state they were ignored by the corporate office who also agreed and approved a credit to their account for all of the time that they have not been given. They feel they are getting the runaround and wanting this resolved as soon as possible and request credit for being denied access to their accounts.
It is unclear what the Complainant is requesting credit for. We request additional information regarding their complaint in order to complete a proper investigation.
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: 01/03/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 18149777
I am rejecting this response because: After the business acknowledged the reason for my complaint in detail in their response, the business Failed to address my Serious Complaint. I should not have to drive from store to store to use one of my accounts. This is what the First... reason that the credit is requested for. The corporate office has Already... approved my credit, however, Amy and DeDawn at the corporate office stated that the Credit has to be given by one of My Local stores. One of my accounts was held hostage for approximately a month and a 1/2 through Absolutely no Fault of my own. The is the Other... reason for the credit.Again... The credit was Already... Approved and Noted... by the corporate office.
Please advise.
Regards,
****** ******Initial Complaint
Date:09/27/2022
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 took out a $400 payday advance from check into cash on bay rd in Saginaw mi. The time came to pay and I was short but could pay the next day. My fiancé went and paid with cash on Friday the 23rd. After it’s all paid I check my bank statements and I’m now -$485 because of the check being taken out of my account even after it was paid Friday. So now I’m supposed to be paid on the 28th from my work and it’s all going to something that’s been paid already so now I won’t have a check at all because of thisBusiness Response
Date: 09/28/2022
************
Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant). Buckeye Check Cashing of Michigan Inc., dba Check Into Cash (CIC), 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 $400.00 loan from CIC and when the payment became due, they were short the total amount due. However, they paid the account in full the following day only to discover the check had also been taken out of their account causing a negative balance. The Complainant is requesting a refund.
A review of our records shows, on September 8, 2022, the Complainant obtained a payday loan in the amount of $400.00 with a finance charge of $55.00 and a due date of September 22, 2022. As required by the state of Michigan, when the payment was not received by the end of the business day on the due date, the Complainant’s check was deposited. In this particular situation, the Complainant spoke with a CIC store representative prior to making the cash payment who informed him that his check was deposited. The Complainant stated the funds were not available in his account and that his bank would return the check. The Complainant then chose to make a cash payment to pay for the loan.
On September 27, 2022, the Complainant contacted CIC regarding his bank paying his check resulting in the double payment and negative balance, and on September 28, 2022, CIC issued a refund via ACH to the Complainant’s account. The Complainant should see the funds in his account within one to two business days.
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:09/26/2022
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I notified Speedy cash that I am working with a loan consolidation company on September 7, 2022 I notified this company I am working with ****** ******. I received a response on September 8, 2022 stating that “The entity that you are in agreement with must send the proper documentation for your account in order for Speedy/Rapid Cash to update our records accordingly. Please ensure they include the case/account number and the date it was filed”. However the power of attorney letter I provided them has this information. I am asking that they honor this and work through beyond finance.Business Response
Date: 09/29/2022
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 is requesting for Speedy Cash to honor the POA consolidation document provided so that ****** *******, a debt management company, can work on the Complainant’s behalf.
Speedy Cash’s records reflect that the Complainant visited Speedy Cash online at ****************** and applied for and obtained an installment loan with Ivy Funding Eight, LLC on August 7, 2022 in the principal amount of $2,430.00. The loan was contracted to be repaid in 11 bi-weekly payments of $624.43 beginning on August 19, 2022 and a final payment of $ $624.59 due on February 3, 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 servicing 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 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 agreement, The Complainant acknowledged her 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 Complainant’s payment history show the Complainant made only one (1) payment of $636.93. When no further payments were made as contracted, the loan account was placed in delinquent status where collections activities commenced as allowed by law.
Prior to this BBB complaint, the debt consolidation documentation the Complainant provided was received and verified on September 9, 2022. An email was sent to the Complainant on September 9, 2022, confirming the documents were accepted. The loan is now under debt management. Should the Complainant require further assistance regarding her account, she 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 *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Customer Answer
Date: 09/29/2022
I would like to verify that they d willing to work with ****** ******* to settle this account. I received an email stating you were refusing to accept this until you received follow up information, although it was provided to you. Am I clear that it is now accepted?
Regards,
****** *******Business Response
Date: 10/07/2022
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 she would like verification that Speedy Cash is willing to work with B***** ******* to settle her account.
As of September 9, 2022, the debt consolidation documentation the Complainant provided was received and verified and documents were accepted. The Complainant’s loan is now under debt management. Should the Complainant require further assistance regarding her account, she 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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Customer Answer
Date: 10/07/2022
I accept the business's response to resolve this complaint.
Regards,
****** *******Initial Complaint
Date:09/26/2022
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.
On 9/1/22 Speedy Cash deposited a payday loan based on my Social Supplemental Income (SSI) for Disability into my wrongfully closed ********** ******** **** Account without my consent.
Once I notified the company of its mistake, Speedy Cash refused to cancel loan #******** immediately. My ********** checking account had activity within the last six months, so my account's closure was illegal. After my checking account was closed, the debit/credit card assigned was deactivated. Therefore, I cannot use the money Speedy Cash forcefully deposited into ********** to reopen my account.
Speedy Cash cannot open a closed checking account with a loan deposit to which I did not agree. The company wrote code to override an automatic program because the loan should have been denied based on being assigned to an account that was closed.
Speedy Cash will have to reverse their funding. Failure to reverse Speedy Cash's funding and cancel the loan will result Speedy Cash's attempt to garnish my SSI on my Direct Express account with the government.
On 9/26/22 Speedy Cash sent me a bill for the loan to which I did not agree and cannot spend based on the ********** ******** **** checking account closure.
I will never use Speedy Cash's services again because they expressed an intention to extort money from me through a government account. I attached a document to substantiate my complaint.
Business Response
Date: 09/29/2022
**********
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.
To summarize, the Complainant states Speedy Cash deposited loan proceeds into a closed bank account. She is requesting to cancel the loan.
Our records show that on September 1, 2022, the Complainant entered into an Installment Payday Loan online at www.speedycash.com in the principal amount of $210.00 to be repaid in five (5) monthly payments of $71.10 with a final payment of $71.09 due March 1, 2023.
Prior to this complaint, the Complainant sent Speedy Cash an email that the bank account the loan proceeds were deposited into was closed. In reviewing the account, it appears the loan proceeds of $210.00 were successfully deposited into the Complainant’s bank account via ACH. The Complainant signed an Optional Loan Payment Authorization that authorized and instructed Speedy Cash to initiate electronic payments on the bank account provided by the Complainant to seek scheduled payments on the loan.
To remedy the Complainant’s concern, we submitted an ACH reversal request to the Complainant’s bank account but was unsuccessful. To date, Speedy Cash has not received the funds back from the bank or received any indication that the funds were not successfully deposited into the bank account provided by the Complainant at the time of the loan application.
It is also important to note that our records show Speedy Cash has not received any bank change request form from the Complainant. The Complainant is encouraged to call Speedy Cash Customer Service at ###-###-#### to update her bank account information or should she have further questions regarding her loan.
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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Customer Answer
Date: 10/05/2022
I do not have a legal obligation to help Speedy Cash and/or ********** ******** **** remedy their distributed denial of service against me. I will never use Speedy Cash and/or ********** ******** **** again, so their crime against me is evidence for the **** ********** ** ********.
I am canceling the loan with Speedy Cash and refusing to reopen a checking account with **********. Both companies owe me approximately 250K for breaking rules established by the Federal Deposit Insurance Company (FDIC).
Speedy Cash was never supposed to deposit the loan into a closed account. Their website should have registered the account as closed prior to deposit. ********** was never supposed to close my checking account. Their website should have registered activity on my account within the last sixty days as a reason to keep the account open. Both companies broke their own rules to overcharge me by writing code to override automatic procedures and safeguards.
I am glad that Speedy Cash has acknowledged that ********** ******** **** refuses to help them extort money from me without my permission. Since I am no longer interested in using Speedy Cash for loans or ********** for checking, the account will remain locked as evidence of criminal activity for the U.S. Treasury to investigate.
I strongly suggest that both companies agree to pay me a civil damage settlement to remedy the problem they deliberately created. Both Speedy Cash and ********** ******** **** have a well established history (registered on the Better Business Bureau website) of disrespecting people like me who are forcefully disabled by unethical conduct on the part of bad business people who are extremely unprofessional while seeking to further their financial gain.
I do not accept Speedy Cash's proposal that I reopen my ********** Checking account because I am reporting both companies to the Department of Treasury.
I do not want to continue doing business with either company, so they owe me a penalty for mismanaging my money without my permission.
Speedy Cash approved me for a payday loan based on my Social Security Supplemental Income (SSI) for disability on a Direct Express account, which is protected from garnishing based on Speedy Cash's unethical terms.
Therefore, my complaint on Speedy Cash is related to the federal government's Social Security Administration and the American Disability Act.
****** Brown******** ****** * ******* ********** * ****** ******* *********** *** ****** ****** ****** *** ** ****** ******##############
Business Response
Date: 10/06/2022
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.
To summarize, the Complainant states Speedy Cash deposited loan proceeds into a closed bank
account. She is requesting to cancel the loan.
Our records show that on September 1, 2022, the Complainant entered into an Installment
Payday Loan online at www.speedycash.com in the principal amount of $210.00 to be repaid in
five (5) monthly payments of $71.10 with a final payment of $71.09 due March 1, 2023.
Prior to this complaint, the Complainant sent Speedy Cash an email that the bank account the
loan proceeds were deposited into was closed. In reviewing the account, it appears the loan
proceeds of $210.00 were successfully deposited into the Complainant’s bank account via ACH.
The Complainant signed an Optional Loan Payment Authorization that authorized and instructed
Speedy Cash to initiate electronic payments on the bank account provided by the Complainant to
seek scheduled payments on the loan.
To remedy the Complainant’s concern, we submitted an ACH reversal request to the
Complainant’s bank account but was unsuccessful. To date, Speedy Cash has not received the
funds back from the bank or received any indication that the funds were not successfully
deposited into the bank account provided by the Complainant at the time of the loan application.
It is also important to note that our records show Speedy Cash has not received any bank change
request form from the Complainant. The Complainant is encouraged to call Speedy Cash
Customer Service at ###-###-#### to update her bank account information or should she have
further questions regarding her loan.
**** ******* ***** ***** *** * ******* **** *****
Main Line: ###-###-#### / Fax Line: ###-###-####
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,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****
Initial Complaint
Date:09/26/2022
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 went into the location to cash a check. After looking at the check they asked for my identification and to sign the check. Upon entering something into their computer. I was told the check couldn’t be cashed there. I went and cashed it elsewhere.
I was contacted later by the pl*** I went that actually cashed the check and was told the bank was refusing to pay out the check because it was previously paid out. I went to the bank the check was drawn under and found out it had already been paid out to Check into Cash, which of course was a shock to me since they refused to cash it.
I spoke with someone in May and payment was supposed to be sent out in June. Only to find out last week it still hasn’t. I’ve made contact with the corporate office again last week and was told the issue had been sent up to upper management and I would receive a call back. I called several times this week and was told they haven’t received any updates and I just have to wait on a call.
The actual pl*** that cashed the check contacted me about cashing a fraudulent check which started my investigation into what actually happened back in May and here it September and still nothing has happened and no one has reached out.
Business Response
Date: 09/29/2022
Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant). Check Into Cash (CIC), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states she visited a CIC location to cash a check; however, they were unable to, so the Complainant cashed the check at a different business. The Complainant was then contacted by the company that had cashed the check and was informed the bank would not pay the funds due to the funds already being paid out to CIC. The Complainant is requesting the funds for the check.
A review of our records shows, on January 6, 2022, the Complainant present a check in the amount of $500.49 for cash; however, for unknown reasons, the CIC location was unable to provide this service. Unfortunately, due to human error, the check was not properly voided in our system allowing it to be deposited to the bank.
We appreciate the Complainant bringing this situation to our attention and we apologize for the inconvenience this has caused. On April 25, 2022, a check in the amount of $500.49 was made payable and mailed to ***, the check cashing company where the Complainant cashed the check, to cover the returned check. On September 29, 2022, we confirmed they received the check and applied it to the outstanding balance on the Complainant’s account.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** **** ******* ** *****Initial Complaint
Date:09/25/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Yesterday 09/23/22 I cashed a check for 756$ they claim I owe 550$ in bounced checks I know I owed 100-125$ ish for one sure I’ll pay what I owe they are trying to get me for 400$+ that I never bounced/cashed with them
I did go in on dates they say I was there but if they would pull up their security cameras and they would see I never left with any cash that day!
They said I cashed 2 other 200$ checks that they denied the girl even knows who I am remembers this day but won’t give me the money didn’t get a recipt or print out of charges or a explanation they didn’t let me take my check and leave and they said they have the camera footage but didn’t go over it she refused to contact her manager and I’m over here scraping up money for food this is not okay
I want my 400$ and I want this resolved asap
Also why couldn’t I get a print out she just said oh it’s noted then the other girls were complaining of the draws being off or over under before I cashed it she wouldn’t hand me my check or stub back said I only could cash with her
Business Response
Date: 10/02/2022
Thank you for the opportunity to respond to the complaint filed by Cassidie Brace (Complainant). California Check Cashing Stores, LLC (CCCS), 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 on September 23, 2022, she cashed a check for $756.00 at a CCCS location, and a CCCS representative claimed she owed $550.00 for previously returned checks. The Complainant admits she did owe a balance; however, not in the amount stated, but rather around $100.00. The Complainant is requesting a refund of at least $400.00 and is also inquiring as to why she could not get a printout of the what the CCCS representative was claiming she owed.
A review of our records shows, on September 23, 2022, the Complainant present a check for cash in the amount of $756.94. The Complainant had an outstanding balance of $100.00 from a check cashed and returned in July 2022. The Complainant’s account was also documented with past check cashing transactions requested by the Complainant; however, these transactions were not able to be completed by CCCS. Unfortunately, the CCCS agent assisting the Complainant on September 23, 2022, misread those transactions, and believed they represented an outstanding balance resulting in the representative collecting the incorrect amount of $550.00. When this situation was brought to the attention of management, the CCCS representative was notified of the error made and on September 26, 2022, the Complainant was provided a cash refund of $450.00, and a $100.00 payment was applied to the account’s outstanding balance resolving any balance owed at that time by the Complainant.
Regarding the request for a printout, the Complainant was provided with a receipt for her check cashing transaction in July 2022 and again on September 23, 2022. However, CCCS was not able to provide a printout showing an outstanding balance of $550.00 due, as this amount was the results of the agent’s misinterpretation of the account.
We appreciate the Complainant bringing this situation to our attention and allowing us to correct the error. We have used this as an opportunity to provide training to CCCS staff to avoid a potential recurrence. We apologize for the inconvenience this situation has caused and are glad we were able to provide a quick resolution that we hope the Complainant found satisfactory.
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
**** ******* **** **** ******* ** *****
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