Complaints

This profile includes complaints for Regional Management Corp's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Regional Management Corp

  979 Batesville Rd Ste B Greer, SC 29651-6819

• 

  Regional Management Corp

  1710 2nd Ave SW Ste B-2 Cullman, AL 35055-5337

• 

  Regional Management Corp

  4925 University Dr NW Ste 110 Huntsville, AL 35816-1849

• 

  Regional Finance

  2314 6th Ave SE Decatur, AL 35601-6559

• 

  Regional Finance

  2206 Village Dr Moody, AL 35004-3241

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:01/30/2023

  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.

  This company has been extremely unprofessional. They have called my workplace several times. They have made appointments for me to go to their office numerous times despite me explicitly stating that I could not attend at the times offered. They have insulted my intelligence, gaslit, and blatantly lied to me on multiple occasions. I was offered an extension and after I asked if it would make the loan similar to a title loan (as in secured by property collateral) I was told no. Then I was told I had to give personal property descriptions for collateral. At one point it was heavily implied that I should have let my family starve and be homeless rather than take the loan. They are to the point of harassment, calling multiple times a day at my personal phone and my work. I understand that they have a debt to collect but the way I’ve been treated is reprehensible.

  Business Response

  Date: 02/13/2023

  February 7, 2023
  
  
  *** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ******:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  January 30, 2023. Regional Finance Corporation of South Carolina, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state Regional has been extremely unprofessional by calling your place of
  employment and your personal number multiple times. You further state that Regional has made
  appointment for you after you informed branch personnel that you could not meet with them at the
  designated times. Additionally, you state that Regional was dishonest when you were offered assistance
  and were advised that collateral would not be required to secure the loan. Finally, you feel that Regional
  has insulted you by implying that you shouldn’t have obtained a loan. As a result, you request that Regional
  put and end to its harassment and cease all communication with you.
  
  Regional’s records indicate that the loan ending in **** was originated in your name by way of convenience
  check on November 2, 2022, in the amount of $1,527.60 and the payment for the month of December 2022
  was declined due to insufficient funds. On January 9, 2023, the branch manager offered a renewal to assist
  in bringing your account current via a remote loan closing, but you refused because you did not want to
  secure the loan with personal property. Your claim that Regional lied to you and harassed you could not be
  validated. Please be advised that all calls placed by Regional to your contact numbers were placed in
  compliance with company policy. As a courtesy, Regional has updated the account in question to a cease-
  and-desist status to ensure no further contact. Finally, Regional encourages you to contact the branch
  directly at ***** ******** to discuss payment arrangements.
  
  We appreciate your business and would like to thank you for choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie * M*****
  
  Karie ** M*****
  Compliance Associate

• Initial Complaint

  Date:01/23/2023

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
  
  In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  Customer Answer

  Date: 01/24/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  
  Regards,
  
  
  
  ****** ******
  
  

   

  if the account has been sold to and third party collector as this company stated, then why regional finance keeps updating status on my credit report such as total amount due, and missed payments. Please delete this account if regional finance has sold the loan to ********* capital systems. Please delete account.

  In accordance with the Fair Credit Reporting act. This account
  has violated my federally protected consumer rights to privacy
  and confidentiality under 15 USC 1681.
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  15 U.S.C 1681 Section 604 A Section 2: It also states a
  consumer reporting agency cannot furnish a account without
  my written instructions. Delete this account immediately.

  Business Response

  Date: 03/15/2023

  January 24, 2023
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. ******:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated January 23, 2023. Regional Finance Company of Texas, LLC (“Regional”) appreciates the
  opportunity to address your concerns. Regional, truly values our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state that Regional is violating provisions of the Fair Credit Reporting Act (“FCRA”)
  because it furnished an account to the credit bureaus without your consent. You further state that Regional
  violated your right to privacy. Finally, you state that Regional has violated the Fair Debt Collection
  Practices Act (“FDCPA”) and as a debt collector, it is prohibited from communicating with you. As a
  result, you are requesting that Regional delete the tradeline associated with the account in question to ensure
  that it no longer appears on your credit report.
  
  Per Regional’s review, you entered into a loan agreement, originating the account ending in **** in the
  amount of $3039.62 on August 20, 2019, at the Irving branch, located at **** ***** ***** Road, Irving,
  TX, 75061. Please see the enclosed debt validation along with a copy of the original loan contract and
  note that Regional is obligated to adhere to its contract with the FCRA by furnishing accurate account
  data to the credit bureaus. For this reason, Regional does not believe that removing the tradeline
  associated with the account is the appropriate course of action at this time. Please be advised that
  Regional is not a debt collector, but a first-party lender collecting its own debt and for that reason, it is not
  subject to the provisions of the FDCPA. As a courtesy, Regional has updated your account to a cease-and-
  desist status to ensure that there are no further attempts to communicate with you. Please be advised that
  the last payment on your account was received September 20, 2019, in the amount of $174.23. The
  account in question was charged off and sold due to non-payment to ********* ******* Systems, LLC on
  July 31, 2020, with all ownership rights. Please send all future correspondence to the following address:
  
  ********* ******* Systems, LLC
  ** ******** Rd.
  *** *****, MN 56303
  
  We appreciate your business and thank you for choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie *. M*****
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)
  

  Business Response

  Date: 03/15/2023

  January 27, 2023
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. ******:
  
  I am writing in response to the rebuttal submitted in association with the above-referenced complaint that
  you filed with the Better Business Bureau (“BBB”) dated January 23, 2023. Regional Finance Company
  of Texas, LLC (“Regional”) appreciates the opportunity to address your concerns. Regional, truly values
  our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your rebuttal, you state that Regional is violating provisions of the Fair Credit Reporting Act
  (“FCRA”) because it furnished an account to the credit bureaus without your consent. You further state
  that Regional violated your right to privacy. Finally, you state that Regional has violated the Fair Debt
  Collection Practices Act (“FDCPA”) and as a debt collector, it is prohibited from communicating with
  you. As a result, you are requesting that Regional delete the tradeline associated with the account in
  question to ensure that it no longer appears on your credit report.
  
  As previously stated in the response to your original complaint dated January 23, 2022, you entered into a
  loan agreement, originating the account ending in **** in the amount of $3039.62 on August 20, 2019.
  Please see the enclosed debt validation along with a copy of the original loan contract and note that by
  providing your signature to the document, you authorized and agreed to the terms of the loan as presented
  at closing. Regional is legally required to adhere to its contract with the FCRA by furnishing accurate
  account data to the credit bureaus regardless of the account reporting status (i.e., active, closed or charge-
  off). For this reason, Regional is unable to remove the tradeline associated with the account in question at
  this time. Please be advised that Regional is not a debt collector, but a first-party lender collecting its own
  debt and for that reason, it is not subject to the provisions of the FDCPA, nor is it in violation of any
  rights provided to you under § 15 USC 1681 as the statute applies to consumer reporting agencies
  (“Credit Bureaus”). As a courtesy, Regional has updated your account to a cease-and-desist status to
  ensure that there are no further attempts to communicate with you. Regional would like to reiterate that he
  account in question was charged off and sold due to non-payment to ********* ******* Systems, LLC on
  July 31, 2020, with all ownership rights. Please send all future correspondence to the following address:
  
  ********* ******* Systems, LLC
  ** ******** Rd.
  *** *****, MN 56303
  
  We appreciate your business and thank you for choosing Regional for your financial needs.
  
  Sincerely,
  Karie *. M*****
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)
  Regional Finance
  *** ********** Road, Suite *, Greer, SC 29651
  www.regionalfinance.com
  (864) *** * ****
  

• Initial Complaint

  Date:01/03/2023

  Type:Delivery 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 need my Car title back 2012 Impala
  
  since 2015 I loss income , and stop payments , Regional Finance collect the debt via and Insurance
  
  four years
  Texas and Federal Law
  The statute of limitations on debt in Texas is four years. This section of the law, introduced in 2019, states that a payment on the debt (or any other activity) does not restart the clock on the statute of limitations.Nov 16, 2022
  
  It is already 8 years,,
  
  I already contact regional financial and explain them that I need my Car Title back and they just dont want it to release it >
  
  Thank you
  
  ****** ******* ******** **** ****** Dr
  ***********, Texas 78526
  *** *** ****

  Customer Answer

  Date: 01/10/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  
  
  

  I do exist and I can be located   the code 501.116  do not apply to me.

  
  

  The debt is already charge off also. and its already 6 years  I far away the 4 years, The statue of Limitations  do apply !

  
  

  Several times I try to aproach the office to obtain a copy of contract  and  title, and they told me that they will call me later ,  their response  that the debt was  charge off and sold  the debt!

  
  

  That I need to contact the new owner of the debt but they fail to give me who was the ne owner of the debt!

  
  

  and because Regional Finance  and or  the new  owner of the debt  did  not  call me to court or try to locate me ,  they need to release  the lien !  this a Harrasment to my person! 

  
  
  
  Regards,
  
  
  
  ****** ******* ********

  Customer Answer

  Date: 01/18/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  I need a carbon copy of car title  along with the  Contract  for my  Archives ! 
  
  
  
  ****** ******* ********

  Business Response

  Date: 02/02/2023

  January 9, 2023
  
  ****** ******* ********
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear ****** ******* ********:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated January 3, 2023. Regional Finance Company of Texas, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction, and
  will work toward the resolution of any issues.
  
  In your complaint you state you experienced a loss of income and Regional was receiving payments
  toward your account through an insurance claim. You further state that Regional filed judgment
  against you and repossessed your vehicle. Finally, you state that according to the statute of
  limitations on debt in the state of Texas, no further payment of the debt is required because eight
  years have passed since you obtained the loan. As a result, you are requesting that Regional release
  the lien on your vehicle and deliver to you the title associated with it.
  
  After a review of your account, Regional’s record’s do not indicate that an insurance claim was
  submitted in association with the account in question. Please be advised that the lien on your
  vehicle does not expire and the lien cannot be released unless the balance is paid in full. Therefore,
  releasing the lien associated with your vehicle is not the appropriate course of action at this time.
  According to Texas Transportation Code §501.116, a lien may be cancelled after a period of 10
  years if the lienholder no longer exists or cannot be located, making the statute unapplicable to the
  circumstances associated with the account in question. Please note that the account in question was
  charged off due to non-payment on October 3, 2017. Should you have further questions regarding
  your account, please contact the branch directly at (956) ********.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your
  financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  

  Business Response

  Date: 02/02/2023

  January 12, 2023
  
  ****** ******* ********
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear ****** ******* ********:
  
  I am writing in response to the rebuttal submitted in association with the complaint filed with the
  Better Business Bureau (“BBB”) dated January 3, 2023. Regional Finance Company of Texas, LLC
  (“Regional”) appreciates the opportunity to address your concerns. At Regional, we truly value our
  customers’ satisfaction, and will work toward the resolution of any issues.
  
  In your rebuttal, you insist that the statute of limitations applies to the circumstances surrounding
  the account in question due to the passing of six years since the date of your loan’s origination.
  You further state that the Texas Transportation Code cited by Regional in its response to your initial
  complaint does not apply to you because you do exist and can be located. Finally, you state you
  previously requested a copy of the loan contract and have asked for information regarding the new
  owner of the loan, but have not received the requested documents/information. As a result, you are
  requesting that Regional provide you with a copy of the loan contract and release the lien associated
  with the account in question.
  
  As previously stated in the attached response to your initial complaint dated January 9, 2023, the
  lien on your vehicle does not expire and the lien cannot be released unless the balance is paid in
  full. Therefore, releasing the lien associated with your vehicle is not the appropriate course of action
  at this time. Regional would like to reiterate that according to Texas Transportation Code §501.116,
  a lien may be cancelled after a period of 10 years if the lienholder no longer exists or cannot be
  located. Please be advised that Regional is the lienholder and is still licensed to conduct business
  in the state of Texas as evidenced by the certificate on display at your local office. For this reason,
  Regional confirms that the statute referenced in your initial complaint is unapplicable to the
  circumstances associated with the account in question. Upon your request, please find enclosed a
  response to your request for a debt validation along with a copy of the original loan contract. Please
  note that the account in question was charged off due to non-payment on October 3, 2017 and
  Regional still holds the ownership rights. Should you have further questions regarding your
  account, please contact the branch directly at (956) ********.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your
  financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  Date:12/30/2022

  Type:Sales and Advertising 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 am not liable for this debt with Regional Finance Corporation and do not have a contract with them. They did not provide me with the original application like I asked.

  Business Response

  Date: 01/11/2023

  January 5, 2023
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  
  Regional Finance
  *** ********** ***** ***** ** ****** ** *****
  ***********************
  ***** ********
  
  
  
  
  Dear Mr. ******:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated December 27, 2022. Regional Finance Company of Missouri, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction, and will
  work toward the resolution of any issues.
  
  In your complaint you state you did not sign a contract with Regional and you are not responsible for
  the debt associated with the account in question. You further state that you requested a copy of the
  original loan application, but have not received the document As a result, you request that Regional
  delete the tradeline associated with the account to ensure that it no longer reports to the credit bureaus.
  
  Per Regional’s review, the loan ending in **** was originated on March 4, 2020 in the amount of
  $880.00. Please find enclosed a response to your request for verification of the debt along with a copy
  of the original loan contract and be advised that Regional’s records do not indicate that a previous
  request for the loan application was received. Please note that the account in question was charged off
  and sold due to non-payment on December 22, 2020 to ********* ******* ******** LLC. All ownership
  rights to the account now belong to ********* ******* ******* and future correspondence should be sent
  to the following address:
  
  ********* ******* ******** LLC
  ** ******** ****
  ** ****** ** *****
  
  Should you still believe that the account in question is fraudulent after reviewing the enclosed
  documents, an Identity Theft Affidavit has been enclosed for your completion. Once you have
  completed the document, please forward the Affidavit along with a legible photocopy of your valid form
  of identification and a copy of your police report to the address below so that Regional may investigate
  your claim:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** *
  ****** ** *****
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  Sincerely,
  Karie ** ******
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  Date:12/27/2022

  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 received a notice that I have a collection from REGIONAL FIN on my credit report. It says it was opened on 11/01/2019 for $0 with account number starting in ********* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.
  
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 01/10/2023

  January 4, 2023
  
  **** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear **** ******:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”) dated
  December 27, 2022. Regional Finance Company of Texas, LLC (“Regional”) appreciates the opportunity to
  address your concerns. At Regional, we truly value our customers’ satisfaction, and will work toward the
  resolution of any issues.
  
  In your complaint you state Regional is violating provisions of the Fair Debt Collection Practices Act
  (“FDCPA”) as well as the Fair Credit Reporting Act (“FCRA”) by reporting an account to the credit bureaus
  that does not belong to you. You further state that you were never aware of the account or made any
  agreement with Regional to make payments toward the account As a result, you request that Regional submit
  an update to the tradeline associated with the account in question to ensure that it no longer reports to the
  credit bureaus.
  
  Per Regional’s review, the loan ending in 5401 was originated on November 22, 2019 by way of convenience
  check in the amount of $1,400.00. Please find enclosed a response to your request for verification of the debt
  along with a copy of the original loan instrument. Please be advised that the account in question is reporting
  correctly to the credit bureaus and according to the provisions of the FCRA, Regional is contractually
  required to report accurate account information to the credit bureaus. Additionally, Regional is not a debot
  collector, but rather a first party lender collecting its own debts and for that reason, it is not subject to the
  provisions of the FDCPA. Please note that the account in question was charged off and sold due to non-
  payment on August 25, 2020 to ********* ******* *******, LLC. All ownership rights to the account now
  belong to ********* ******* ******* and future correspondence should be sent to the following address:
  
  ********* ******* *******, LLC
  ** ******** ****
  ** ****** ** *****
  
  Should you still believe that the account is question is fraudulent after reviewing the enclosed documents, a
  fraud packet has been enclosed for your completion. Once you have completed the enclosures, please forward
  the Affidavits along with a legible photocopy of your valid form of identification and a copy of your police
  report to the address below so that Regional may investigate your claim:
  
  Regional Management Corp.
  ***** ********** **********
  *** ********** ***** ***** *
  ****** ** *****
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  Sincerely,
  Karie *. M*****

• Initial Complaint

  Date:12/27/2022

  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 contacted Regional Management Corp. regarding an alleged debt on November 29th, 2022. I was transferred to the collection department and spoke with Ms. Whitney; Ms. Whitney stated the balance on the account is showing $3,046.27 however was sold to another company. Ms. Whitney stated she would call me within in 3 business days with new company information. I did not receive a call from Ms. Whitney. I contacted Regional again and was told that my account was not sold, and I needed to make payment with Ms. Whitney. When I spoke to the collection department again, they still stated they could not help me. I contacted Ed at Regional Headquarters Office on December 23, 2022, who assured me that this debt was still in house and Ms. Whitney would accept a payment on this debt. Mr. Ed transferred me to the collection department where I spoke with Ms. Keesha J********* Ms. J******** stated she would not be able to accept payment on the account and I needed to speak with Ms. Whitney. I asked to speak with the supervisor but was instead transferred to Ms. Whitney. Ms. Whitney stated that she still is not showing that she can accept any payments on this debt and would need more time before she could assist us. I expressed to Ms. Whitney that I was not made aware of any transfer or sale of my account which would legally release me from this debt if she could not provide the original notice. Ms. Whitney again asked for more time to locate my account. I have sent a written request for information on where I can submit payment and asked for original notices to be resent to my home of record mailing address. I am requested assistance from the BBB to locate my account and obtain the necessary legal documents stating I still owe a debt. If Regional is unable to provide any documentation or assist me, I am requesting that they remove this account and this history from all three credit bureaus.

  Business Response

  Date: 01/10/2023

  January 4, 2023
  
  ******* *******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *******:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated December 27, 2022. Regional Finance Company of North Carolina, LLC (“Regional”)
  appreciates the opportunity to address your concerns. At Regional, we truly value our customers’
  satisfaction, and will work toward the resolution of any issues.
  
  In your complaint,. you state you received conflicting information from Regional regarding current
  ownership of the debt and rights to receive payment. You further state you were advised that
  Regional could not accept any payments toward your account. As a result, you are requesting that
  Regional validate the debt in order to confirm that the creditor is correct and verify that you are still
  responsible for submitting payments in association with the account in question.
  
  Regional’s records indicate that you originated the loan ending in **** on October 26, 2017 by
  way of convenience check in the amount of $2,000.00. Please find enclosed a response to your debt
  validation request along with a copy of the original loan instrument. After reviewing the enclosed
  documentation, please note that the loan is stil owned by Regional including the right to receive
  payment. According to comments documented on the account within Regional’s servicing system,
  branch personnel made attempts to contact you on December 28, 2022 as well as December 29,
  2022 to discuss the possibility of settlement on the loan.. To obtain more details in regard to settling
  the account in question, please contact the branch directly at ***** ********.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your
  financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie H. M*****
  Compliance Associate
  
  Enclosure

• Initial Complaint

  Date:11/07/2022

  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 am Quintin Cross. If you please have a look into the details of the Balance, No. of Months (terms), High Credit, Credit Limit,
  Past Due, Last Reported, Date Last Active,
  Date of Last Payment, and this is a chargeoff account showing multiple remarks in my payment history.

  Business Response

  Date: 11/17/2022

  November 10, 2022
  
  
  ******* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID 18361660
  
  Dear Mr. *****:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  November 4, 2022. Regional Finance Company of Alabama, LLC (“Regional”) appreciates the opportunity
  to address your concerns. At Regional, we truly value our customers’ satisfaction and will work toward the
  resolution of any issues.
  
  In your complaint, you question the remarks Regional is providing to the credit bureaus regarding your
  account that appear on your credit report. As a result, you are requesting that Regional investigate the
  accuracy of reporting in association with the account and delete the account from your credit profile if the
  debt cannot be verified.
  
  As previously stated in the enclosed response to your complaint submitted to the BBB dated October 5,
  2022, Regional’s records indicate that the loan ending in **** was originated in your name on July 19,
  2018, in the amount of $501.00. Please find enclosed a response to your request for a debt validation along
  with a copy of the original loan contract. Regional has confirmed that the account is reporting correctly to
  the credit bureaus. Please be advised that Regional is contractually obligated to furnish accurate account
  data to the credit bureaus according to the provisions of the Fair Credit Reporting Act (“FCRA”), and
  therefore, must report the status of the account in question as charged off. Additionally, Regional would
  like to inform you that third party credit monitoring applications such as Identity IQ or Credit Karma do
  not always reflect accurate information. True credit profile information can be obtained directly from the
  Credit Bureaus. Please note that the last payment processed on the account in question was received on
  September 14, 2018, and the loan has been charged off. Please contact the branch directly at ***** ****
  **** to discuss any payment options that may be available to you.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  Sincerely,
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  Date:11/07/2022

  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.

  • Date of Transaction: 8/12/2022 [(date opened) is the date stated on all 3 credit bureaus] * on the fraud packet sent from Regional Finance it states (posting date: 8/16/2022) • Amount of money paid to the business: $0.00 • What business promised to provide: Regional Finance is claiming to have sent me check #: ********** dated 7/27/2022 that posted on 8/16/2022 for the amount of $2100.00 to my name ***** ** ***** through the mail. A check I never authorized to be sent to me, I had never heard of this company and I never contacted this company before this incident occurred. • Nature of dispute: Regional Finance has sent me a fraud packet that they want me to fill out in order to dispute my claim that I was not the one that benefited from these funds. I began receiving calls from them and immediately let them know I had been having missing mail at my apartment complex and that I had a replacement credit card that was sent by mail around the same time, stolen as well. The 2nd replacement was also taken and both times whom ever had possession attempted to use them. I was sent alerts and the transactions were both denied, the cards were reported stolen and a third replacement was sent to me via ***** and that card I did receive because it was delivered to my door. I had also forwarded my mail to my sister's after these incidents due to multiple occasions in which robberies to the mail boxes have occurred and I didn't feel safe receiving my mail at my residence any longer. In the fraud packet Regional Finance is wanting a forged endorsement affidavit (notary stamp required), a copy of my driver's license or state issued ID, a forged endorsement victim's complaint form and a police report. I looked up reviews for this company, including reviews reported to the Better Business Bureau and there are too many fraud and scam complaints for me to feel safe enough to send them that kind of personal information. They are also asking for my full legal name, my date of birth, the

  Business Response

  Date: 11/17/2022

  November 10, 2022
  
  
  ***** *****
  VIA ELECTRONIC UPLOAD
  
  Re: Better Business Bureau Case Number Complaint ID ********
  
  Dear Ms. *****:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau (“BBB”)
  dated November 7, 2022. Regional Finance Corporation of Texas, LLC (“Regional”) appreciates the opportunity to
  address your concerns. At Regional, we truly value our customers’ satisfaction and will work toward the resolution of
  any issues.
  
  In your complaint, you state that Regional sent a fraud packet to you for your completion after it received notification
  of your fraud claim. You further state that your mail has been stolen on several occasions and Regional instructed you
  to complete and return the claim packet., however, you feel that the packet asks for a great deal of personal information.
  As a result, you are apprehensive about sending this information through the mail to Regional and therefore, you will
  not return a completed fraud packet.
  
  As stated in the acknowledgement letter Regional mailed on September 8, 2022, the trade line associated with the
  negotiated check has been coded to reflect a disputed status with the credit bureaus, until such a time that Regional is
  able to conduct a reasonable investigation, in accordance with the Fair Credit Report Act (“FCRA”). Per 12 CFR §
  1022.43 of the FCRA, a dispute must include information reasonably required by Regional, to substantiate a claim:
  
  (d) Direct dispute notice contents. A dispute notice must include:
  (3)All supporting documentation or other information reasonably required by the furnisher to substantiate the
  basis of the dispute. This documentation may include, for example: a copy of the relevant portion of
  the consumer report that contains the allegedly inaccurate information; a police report; a fraud or identity
  theft affidavit; a court order; or account statements.
  
  To allow Regional to conduct a reasonable investigation and close this matter timely, please complete the Forged
  Endorsement Victim’s Complaint Form and Affidavit and return to the address listed below, along with a legible
  photocopy of your valid ID.
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** *
  ****** ** *****
  
  Should you have questions regarding this claim, please contact us at ***** ******** for further assistance. Regional
  appreciates your assistance in the matter and thank you for your patience as Regional works to investigate your claim.
  
  Sincerely,
  
  Karie *. M*****
  Compliance Associate
  Enclosures

• Initial Complaint

  Date:10/05/2022

  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.

  Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
  REGIONALAC
  Account Number: ******* Delete this unverified and misleading account.

  Business Response

  Date: 10/12/2022

  October 6, 2022
  
  ****** *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *****:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated October 5, 2022. Regional Finance Corporation (“Regional”) appreciates the opportunity to
  address your concerns. At Regional, we truly value our customers’ satisfaction, and will work
  toward the resolution of any issues.
  
  In your complaint, you state that Regional is furnishing deceptive information to the credit bureaus
  by reporting an account in your name.You further state that you will not participate in the collection
  of this debt and as a result, you are requesting removal of the unverified account from your credit
  profile.
  
  Regional is unable to locate an active or previous account for you using the details provided in your
  submission of the complaint. Please provide Regional with additional information such as the
  account number or full social security number so that Regional may investigate your concerns
  further. Upon review of the supporting documentation attached to the complaint, the creditor of
  account in question may be Regional Acceptance Corporation.
  
  We appreciate your business and would like to thank you for choosing Regional for your financial
  needs.
  
  Sincerely,
  
  Karie ** M*****
  Compliance Associate

• Initial Complaint

  Date:09/30/2022

  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 reached out to REGIONAL FINANCE. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. REGIONAL FINANCE you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
  The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
  You and your inaccurate reporting have damaged my livelihood.
  15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies
  (a)Duty of furnishers of information to provide accurate information
  1) Prohibition
  (A)Reporting information with actual knowledge of errors
  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
  Duty: a moral or legal obligation; a responsibility
  Accurate: correct in all details; exact.
  Prohibition: a law or regulation forbidding something
  As Defined by The IRS
  Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
  The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
  Account Number: **********

  Business Response

  Date: 10/05/2022

  Please see the attached response letter along with enclosures