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: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.

  Please look into the details on this account , Incorrect ,
  Balance, High Credit, Credit Limit, Past Due, Last Reported, Date Last Active ,Date of Last Payment.This account is charge-off thr balance should be zero .there are multiple charge-off remarks reporting in payment history

  Business Response

  Date: 10/11/2022

  October 5, 2022
  
  
  ******* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. *****:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  September 29, 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 state that the account in question is reporting incorrectly to the credit bureaus. You
  further state that since the account is charged off, the account should reflect a balance of $00.00 on your
  credit report. As a result, you are requesting that Regional investigate the reporting of the account and delete
  the account from your credit profile if the debt cannot be verified.
  
  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 account in question as charged off. 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

• Initial Complaint

  Date:09/27/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a loan at one store and was preapproved. I spoke with a representative by the name of anna and she informed me of the documents I needed to send in to finish the application and get it approved. I submitted the application and was informed I was in fact approved but she had customers in the office and she would call me back in 30 minutes I never received the phone call. I called back the next day and she didn't remember me and I had to submit another application all over again and was told she would return my call. After not receiving the call back I called and spoke to another representative named anna and she informed me they would call me back, by this time I was very annoyed due to them having poor customer service so I asked for the store manager by the name of Micheal. I was told he was not available and they would call me back which they did not. The next day I called and finally spoke with the first anna and she went from my application was approved to it was denied and a letter would be sent out to me with an explanation. I have called back asking for the branch manager and was told he once again was not in and they didn't know when he would return. Apparently, word had gotten around concerning my situation cause I requested to be transferred to another location and they had me on hold for close to ten minutes and picked up the phone, held it for two minutes, and hung up in my face. I called cooperate back again and they rerouted the call back to the second branch where she was dry when asked what are the qualifications to be approved she told me something totally different from what the first branch informed me, at this point, I am asking for an apology for the very poor customer service and the inquiries that were put on my credit reports from your company when clearly I was discriminated against.

  Business Response

  Date: 10/11/2022

  October 5, 2022
  
  ****** ********
  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 September 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 you were pre-approved for a loan with Regional, provided the requested documentation
  along with your completed application for review and were subsequently advised that your application had been
  approved. You further state that branch personnel stated they would contact you regarding the approval, but you never
  received a returned phone call. In an effort to follow up on your application, you contacted the branch the following
  day and were advised that a new application would need to be completed. After not receiving any status update on
  your application once again, you contacted the branch to learn that your application was declined, and you would
  receive an explanation for the denial in the mail. Additionally, you state that you requested to speak with the branch
  manager on two occasions but have yet to discuss your concerns with him. You also state that you applied for a loan
  at a different location, were placed on hold for an extended period when inquiring about loan and branch personnel
  disconnected the call. Finally, you state that your third application was denied, and you were provided with conflicting
  information by the alternate branch regarding loan qualifications. that credit score has been negatively impacted
  because the inquiry was completed and your application for a loan was denied, nonetheless. As a result, you feel that
  you are a victim of discrimination, and you request an apology from Regional as well as an update to the inquiries
  appearing on your credit report.
  
  Regional’s investigation revealed that you received preapproval for a loan on August 19, 2022 and submitted an
  application via phone on August 22, 2022, which was subsequently denied. Regional’s records indicate that on
  September 26, 2022, you completed an additional application for a loan over the phone at another location and the
  application was declined once again based upon your credit score and financial/personal information provided by you.
  On both occasions, you were advised that you would receive an adverse action letter in the mail that would provide
  an explanation for the denial in greater detail. Please note that during each application process, you provided Regional
  with authorization to complete credit inquiries and as such, the inquiries cannot be removed. Please be advised that
  your claims regarding branch personnel’s demeanor toward you, placing your phone call on hold for an extended
  period, or your requests to speak to a manager could not be validated.
  
  Regional appreciates the opportunity to respond to address your concerns and thanks you for choosing Regional for
  your financial needs.
  
  Sincerely,
  
  Karie * M*****
  Karie ** M*****
  Compliance Associate

• Initial Complaint

  Date:09/27/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  If you look at Two- Year Payment History, Sep. 2016 I paid on time then comes Oct. 2016 and it's "60 days late"? How come I was that late if last month prior to that I paid on time. Is it supposed to be "30 days late" if I haven't really paid on that said date? How can you justify this wrong reporting of your company?

  Business Response

  Date: 10/11/2022

  
  October 5, 2022
  
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. ******:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  September 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 that the account is reporting incorrectly to the credit bureaus after reviewing
  the payment history associated with your loan. You also question how the account in question can report
  as 60 days past due in October 2016 if the last timely payment was received in September 2016. As a result,
  you request that Regional update the tradeline associated with the account in question to ensure correct
  reporting to the credit bureaus.
  
  After review of the account in question, Regional has confirmed that the account is reporting correctly to
  the credit bureaus. Regional’s records do not reflect that any payment was received in September 2016,
  however, it has updated the tradeline associated with the account to reflect that it was 30 days past due at
  that time as a courtesy. Please find enclosed a copy of the Automated Universal Data Form, which was
  submitted to the credit bureaus to request the update. Please note that the last payment processed on the
  account in question was received on May 2, 2016, 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*****
  Karie *. M*****
  Compliance Associate
  
  Enclosure

• Initial Complaint

  Date:09/20/2022

  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 viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported:
  
  Account Name REGIONAL FIN Balance $0.00 Account Number 57100****

  Business Response

  Date: 10/06/2022

  September 27, 2022
  
  ****** ******
  VIA ELECTRONIC UPLOAD
  
  Re: Better Business Bureau Complaint ID 18049603
  
  Dear Mr. ******:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  September 20, 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 that a fraudulent account from Regional appears on your credit report. with the
  company. As a result, you are requesting Regional update the tradeline associated with account in question
  to ensure accurate reporting to the consumer reporting agencies (“Credit Bureaus”).
  
  Regional’s investigation confirmed the loan ending in **** was originated in your name on April 13, 2017,
  in the amount of $2,400.00. Regional received notification of your fraud claim along with a copy of your
  valid ID on September 20, 2022, and subsequently placed the account in question in a disputed status with
  the credit bureaus on September 21, 2022. On September 22, 2022, Regional sent a fraud packet for your
  completion to the address below.
  
  ***** ******* ****
  *** ******** ** *****
  
  Regional has enclosed a copy of the fraud packet for your review and completion. Once
  complete, please forward the Identity Theft Affidavit and all associated documentation to the
  address below so that Regional may initiate investigation of your claim:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** *
  ****** ** *****
  
  Regional appreciates your assistance in the matter and thank you for your patience as Regional works to
  investigate your claim
  
  Sincerely,
  
  Karie *. M*****

• Initial Complaint

  Date:09/06/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Delete this unverified and misleading account.

  Business Response

  Date: 09/15/2022

  September 7, 2022
  
  ****** ********
  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 September 6, 2022. Regional Finance Company of North Carolina, 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 Regional is negligently reporting false information to the credit bureaus and
  by doing so, is violating provisions of the Fair Credit Reporting Act (“FCRA”). As a result, you request
  that Regional delete the tradeline associated with the unverified account to ensure that it no longer
  appears on your credit report.
  
  Regional’s records indicate that the loan ending in **** was originated in your name by way of
  convenience check in the amount of $2,400.00 on September 24, 2020. Please find enclosed a response to
  your debt validation request along with a copy of the original loan instrument. Please be advised that the
  account was charged off and sold due to non-payment on July 26, 2021 to ********* ******* *******,
  LLC. All ownership rights to the account in question now belong to ********* ******* *******, LLC and
  all future inquiries should be sent to the following address:
  
  ********* ******* ******** ***
  ** ******** ****
  *** ****** ** *****
  
  Should you still believe the account in question is false after reviewing the enclosed document, please
  complete the enclosed Forged Endorsement Affidavit and Victim’s Complaint Form and return it to the
  address listed below, along with a legible photocopy of your valid ID and police report.
  
  Regional Management Corporation
  Attn: Compliance Department
  *** ********** ***** ***** *
  ****** ** *****
  
  Regional appreciates your assistance in this matter and thanks you for choosing Regional for your financial
  needs.
  
  Sincerely,
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)
  Regional Finance
  *** ********** ***** ***** ** ****** ** *****
  ***********************
  ***** *** * ****

• Initial Complaint

  Date:09/06/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies:
  
  Account Name REGIONAL FIN Balance $0.00 Account Number 571006762

  Business Response

  Date: 09/15/2022

  June 28, 2022
  
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear ****** ******,
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated June 23, 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 are a victim of identity theft and the account in question does not relate to
  transactions you have authorized. As such, you are requesting that Regional delete the tradeline associated
  with the account in question to ensure that it no longer reports to the consumer reporting agencies.
  
  Regional’s investigation confirmed the loan ending in 6968 was originated in your name on April 13, 2017,
  in the amount of $4,003.92. Enclosed is a copy of the original loan contract for your review. Please be
  advised the account in question charged off due to non-payment and was subsequently sold to Plaza
  Services, LLC on April 23, 2019. All ownership rights to your account including the right to payment now
  belong to ***** ********* ***. Please send all future correspondence to the following address:
  
  ***** ********* ***
  *** ******* ****** ***** ***
  ******** ** *****
  
  Should you still believe you are the victim of identity theft after reviewing the enclosed agreement, please
  complete the enclosed Identity Theft Affidavit and return it to the address listed below, along with a legible
  photocopy of your valid ID and police report.
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** *
  ****** ** *****
  
  Regional appreciates your assistance in this matter and thanks you for your patience as Regional works to
  investigate your claim.
  
  Sincerely,

  
  Karie ** M*****
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  Date:09/02/2022

  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.

  Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Please delete this entire account.

  Business Response

  Date: 09/15/2022

  
  September 7, 2022
  
  ******* ******
  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 September 2, 2022. Regional Finance Company 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 you have requested proof of the alleged debt you owe to Regional and
  a copy of the application bearing your signature, but have yet to receive validation of the account
  in question.. As a result, you request that Regional delete 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 **** was originated on December 7, 2021, in the amount
  of $8,333.87. Please note that receipt of the above-referenced complaint is the first notification
  Regional has obtained to validate the loan ending ****. Please find enclosed a response to your
  debt validation request along with a copy of the original loan contract. Should you have further
  questions or concerns regarding 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*****
  Compliance Associate
  
  Enclosure

• Initial Complaint

  Date:09/01/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a loan was told the amount I was approved for and how much i will be paying monthly.. I decided to wait before taking funds.. a week later I called to proceed with the loan and was told to send over my license recent check stubs and billing statements and was asked when was a good time to come in.. 10 minutes later I received a call from a branch manager from asking what did I need the funds for? My reply I thought I rent over this with the representative who was approved my loan she says I know I’m the branch manager.. as if my response was contingent on me getting the funds. Then she said I need to go over some additional information and will call you back.. 2 minutes she calls and says I can’t approve you!! Sounds fishy too me.. what she was saying didn’t make sense because how could I be approved by a system and then be denied based off what you’re seeing on my credit report.. I believe this company is being deceptive and needs to be investigated immediately

  Business Response

  Date: 09/12/2022

  
  September 2, 2022
  
  ****** *******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *******:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated May 16, 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 you were initially advised that your application for a loan was approved, and
  you waited one week before you decided that you wanted a loan. You further state that upon your decision
  to open an account with Regional, branch personnel requested additional documentation from you and
  shortly thereafter, you were advised that your application was denied. Finally, you feel confused due to the
  conflicting information you received and suspect that Regional is a deceptive company that needs to be
  investigated. As such, you request Regional contact you to properly address your concerns.
  
  Regional’s investigation revealed that your concerns were addressed by the District Supervisor via phone
  on September 1, 2022, and your account ending in **** was subsequently originated in the amount
  $1,800.23. Should you have further questions or concerns regarding your account, please contact the branch
  directly at ***** ********.
  
  Regional appreciates the opportunity to address your concerns and thanks you for choosing Regional for
  your financial needs.
  
  Sincerely,
  
  Karie * M*****
  
  Karie ** M*****
  Compliance Associate

• Initial Complaint

  Date:09/01/2022

  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 started receiving phone calls and voicemails on a friends cell phone, they would forward the message to me, I thought it was spam. Then one day I received the forwarded message while at work so I called the number back. When I called I found out that they were calling because they needed more information from me since they didn't have enough. When I asked why they needed information from me they told me it was about the loan check that they mailed to me and was cashed.
  1. I never received a check.
  2. I no longer live at the address in Virginia, moved out of that address in 2015.
  3. I have lived in New Jersey since 8/2017.
  So I told the person all of the above. They said it sounds like fraud.

  Customer Answer

  Date: 09/07/2022

  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 sent a certified letter with the actual document notarized to them. It was signed for 9/6/22. So they have the notarized original.

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

  Customer Answer

  Date: 09/09/2022

  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. 

  
  

  As a consumer I do not appreciate their practice of just blindly mailing out a check, I didn't ask for it,  and had they not blindly sent the check out, I wouldn't be in this position. I feel violated, I have to prove my innocence and I did nothing wrong. They need to find a better, less costly way of marketing and trying to gain more customers.  In addition to a better way of verifying a person's address. I moved out of that apartment complex in July/August of 2015 and then left the state completely in August of 2017. I checked my credit report and in 2020 I have a credit report with my current address in New Jersey. They obviously aren't purchasing up to date addresses from wherever they are getting them from. I am not your customer and I would never recommend you to anyone because of this whole situation. 

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

  Business Response

  Date: 09/13/2022

  September 7, 2022
  
  ****** *****
  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
  September 1, 2022. Regional Finance Company of Virginia, 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 calls and messages from Regional regarding a debt in which you
  had no knowledge of existence. You further state that Regional sent a convenience check to your previous
  address and you neither received nor cashed any such instrument. As a result, you are requesting Regional
  update the tradeline associated with account to ensure correct reporting of your credit history to the
  consumer reporting agencies (“Credit Bureaus”).
  
  Regional’s investigation confirmed the loan ending in **** was originated in your name by way of
  convenience check on July 29, 2022, in the amount of $2,400.00. Regional received notification of your
  fraud claim on August 23, 2022, and subsequently placed the account in question in a disputed status with
  the credit bureaus on August 25, 2022. Although Regional received your executed affidavit when the above
  referenced complaint was received, Regional cannot proceed with the fraud investigation at this time
  because the second page of the document is not notarized. Please complete the enclosed Forged
  Endorsement Affidavit and Victim’s Complaint Form and return it with valid notarization to the address
  listed below, along with a legible photocopy of your valid ID and police report.
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** Road, Suite *
  *****, SC 29651
  
  Should you have questions regarding this claim, please contact us at (864) ******** 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*****
  Karie *. M*****
  Compliance Associate
  Enclosure(s)
  
  
  
  Regional Finance
  *** ********** Road, Suite ** *****, SC 29651
  www.regionalfinance.com
  (864) *** * ****
  
  

  Business Response

  Date: 09/13/2022

  
  September 8, 2022
  
  
  ****** *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *****:
  
  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 August 31, 2022. Regional Finance Company of
  Virginia, 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 state you sent a certified letter to Regional along with the original notarized affidavit
  to initiate a fraud investigation. You further state that the document was received on September 6, 2022,
  and a representative from Regional provided his/her signature as proof of delivery.
  
  Regional’s investigation confirmed that your notarized affidavit was received on September 6, 2022, and
  your completed fraud packet has been forwarded to ***** ***** Bank for processing. Regional will provide
  a status update upon receipt of the investigation results from ***** ***** Bank. Please allow up to 90 days
  for ***** ***** Bank to complete this process.
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your claim.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  Date:08/23/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a loan with Regional, due to things happening I was unable to pay the loan. I went thru a debt consolidation company to get if paid at a lesser than what I owed. The company I went thru didn't do a good job so I called and settled on my own for a lesser amount. It was agreed upon and paid when I was told to pay it. I've asked for a receipt and they have not mailed one. I also have disputed the amount on my credit report because it still shows I owe the amount that was not paid. They agreed to take half which means the other half was written off. My account needs to show 0 balance but they won't update it to reflect that.

  Customer Answer

  Date: 08/31/2022

  Better Business Bureau,
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ***** *****

  Business Response

  Date: 09/01/2022

  August 31, 2022
  
  ***** *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID 17754935
  
  Dear Ms. *****:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBBB”) dated
  August 23, 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 state that a settlement offer was approved to satisfy the debt associated with the
  account in question and still appears on your credit report with a remaining balance after you submitted a
  final payment. You further state that you requested a receipt for the payment to prove that the account was
  paid in full and have yet to receive it. As a result, you are requesting that Regional update the tradeline
  associated with the account in question so that the balance reports to the credit bureaus as $00.00.
  
  After review of the account in question, Regional has updated its servicing system and the account is now
  closed. Please see the enclosed correspondence, which was generated on August 24, 2022, and indicates
  that the loan is PAID IN FULL. Additionally, Regional has submitted a request to the credit bureaus to
  update the tradeline associated with your account. Please find enclosed, the Automated Data View form as
  evidence of said request. Please allow six to eight weeks for the update to appear on your credit report.
  
  We appreciate your business and would like to thank you for choosing Regional for your financial needs.
  
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)