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 has 195 locations, listed below.

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  Regional Management Corp

  979 Batesville Rd Ste B Greer, SC 29651-6819

• 

  Regional Management Corp

  8144 Us Highway 431 Albertville, AL 35950-1135

• 

  Regional Management Corporation

  449 George Wallace Dr Gadsden, AL 35903-2282

• 

  Regional Finance

  587 Highway 31 NW Hartselle, AL 35640-4479

• 

  Regional Finance

  1310 Quintard Ave Anniston, AL 36201-4620

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:08/03/2022

  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 not for this debt
  and i do not have the contract with REGIONAL FINANCE plus they do not provide me with the origianl application liked i asked

  Business Response

  Date: 08/18/2022

  **** *******
  **** ******* **** *****
  ******* ***** *****
  
  REGIONAL FINANCE
  *** ********** ** *** *
  ***** ** *****
  
  
  Re: Account Number ******
  
  Response to an insufficient validation statement/letter you sent to me. This collection is not accurate or
  can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request
  and receive validation of the alleged debt. I ask that you provide me with a copy of all the following:
  
  1) An explanation of what this alleged account balance is for.
  
  2) A complete Audit Trail calculation of this balance, including the complete payment history on this
  account
  
  3) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave
  you permission to have my information and paperwork showing I gave you authorization to report this to
  my credit report. No consent to you having my information and unauthorized use of my social security
  number is identity theft and you will be reported for such.
  
  4) The Agreement that grants you authority to collect on this alleged debt.
  
  5) A copy of your state license, including license number that give you rights to collect in my state.
  
  6. Provide the purchase agreement showing who you purchased my personal information from without
  my consent which is fraud because I never have done business with you
  
  7.( Senior Executive from your office to Swear under penalty of perjury this corporation were present
  during the alleged debt being created.
  
  8. The Original Promissory Note on this Alleged Debt
  
  Reporting information that you know to be inaccurate or failing to report information correctly violates
  the Fair Credit Reporting Act and FDCPA.

   
  Also you have committed the following FDCPA Violations you are sending deceptive forms making false
  belief that I owe you.
  
  15 U.S. Code § 1692j - Furnishing certain deceptive forms
  
  (a)It is unlawful to design, compile, and furnish any form knowing that such form would be used to create
  the false belief in a consumer that a person other than the creditor of such consumer is participating in the
  collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact
  such person is not so participating. I am not participating in the collection of this alleged debt.
  
  Stop contacting me about this or any other matter you have. cease and desist immediately and delete this
  account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail
  only not the same insufficient docs you already sent.
  
  I also submitted this letter to the Consumer Financial Protection Bureau (CFPB), My State Attorney
  General Office and The Better Business Bureau to have confirmation of proof.
  
  You have 15 days from the date of this letter to respond with all items requested and I demand this item
  be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary
  compensation damages for the violations you already committed.
  
  Sincerely,
  
  **** *******

  
  

• Initial Complaint

  Date:08/03/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company over charged me from the original account amount which was 1873.00 They charged me 3884.00 I would like the difference!

  Business Response

  Date: 08/05/2022

  Please see attached response letter. 

  Customer Answer

  Date: 08/11/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 17663918, and have determined that this does not resolve my complaint. 
  
  
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.] Because they owe me the difference because I was not served they received 3884.00 on my account. I only owed 1873. 00 I want the difference or I’m taking it to the courts 
  
  
  
  Regards,
  
  
  
  Sheila Jackson

  Business Response

  Date: 08/26/2022

  August 5, 2022
  
  ****** *******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *******:
  
  I am writing in response to t*e above referenced complaint t*at you filed wit* t*e Better Business Bureau
  (“BBB”) dated August 3, 2022. Regional Finance Corporation of Nort* Carolina, LLC (“Regional”),
  appreciates t*e opportunity to address your concerns. At Regional, we truly value our customers’
  satisfaction and will work toward t*e resolution of any issues.
  
  Regional is unable to locate an account for you using t*e details provided in t*e complaint. Please provide
  Regional wit* additional information suc* as t*e account number or full social security number so Regional
  may investigate your concerns furt*er.
  
  Regional appreciates your assistance in t*e matter and t*anks you for your patience as Regional works to
  investigate your concerns.
  
  Sincerely,
  
  Karie *. Mullen
  
  Karie *. Mullen
  Compliance Associate

• Initial Complaint

  Date:07/29/2022

  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.

  On May 23 my husband died. I called this company to find out what to do. Because he had no will so they told me they could not give me any information because I was not on the loan. With no information I kept paying for the car. On July 29 they repossessed the car for no reason now they will not tell me why they repossessed the car or how to return it to me.

  Business Response

  Date: 08/10/2022

  August 5, 2022
  
  ******* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Case Number ********
  
  Dear Ms. *****:
  
  I am writing in response to the above referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated July 29, 2022. Regional Finance Corporation of Illinois, 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.
  
  Regional is unable to locate an account for your husband using the details provided in the complaint. Please
  provide Regional with additional information such as the account number or the loan holder’s full social
  security number so Regional may investigate your concerns further. Additionally, please provide legal
  documentation such as a Power of Attorney or estate executor letter to provide Regional with authorization
  to discuss details related to the account in question with you.
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your concerns.
  
  Sincerely,
  
  Karie ** M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  Date:07/29/2022

  Type:Order 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 debt consolidation loan on 5/14/22 and someone from the local branch @ 1804 Wirt Road Houston, TX 77055 reached out to me on 5/16/22 asking for me to submit my documents which I did that same day and I received an email response on 5/18/22 from the Assistant Manager saying "Attached is an offer being made by our underwriters. Give me a call once you have received and reviewed so we can discuss and have this finalized TODAY!!!! Look forward to hearing from you!" I gave him a call that same day but he was out to lunch so I emailed him and requested a callback but never heard back. I called the office on 5/21/22 and was told that I then needed to submit more documents (picture of my car mileage and my car insurance) which I did as well but I didn't hear back again. After that, it was just a back and forth thing with me not receiving any updates after emailing multiple times. Then, someone else from the branch reached out to me saying the person I was dealing with was no longer working there but she promised me that she was going to take care of finalizing my loan. She replied via email on 6/9/22 saying "almost done with your loan will call you when to come in today" but then I never heard back for a whole month. I reached out again a few days ago which is the end of July, and the person tells me that they were just about to call me which it's like if you forgot just say that but don't continue to lie to me. Then, the person tells me that I needed to resubmit documents, which made me even more upset because this has been dragging for 2 months now. The person gets back to me a week later saying that I'm approved for way less than what was quoted 2 months ago so now I'm really upset. I then asked to speak with a manager and couldn't get what I asked for. This company has caused me such distressnot to mention that they changed my lienholder without me even knowing and saying that I'm not even getting what I was told that I was getting after all of this.

  Business Response

  Date: 08/05/2022

  Please see the attached response letter. 

  Customer Answer

  Date: 08/05/2022

  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. 
  
  
  The timeline does not add up at all. I submitted call log reports and email screenshots of everything. This company is disgusting and should not even be in business. Not getting approved for one amount is fine but being lied to stating that the underwriters approved $14k then two months later someone else saying only $9k that's a big deal. I was told multiple times that I needed to just come in to finalize everything on the $14k approval but they never gave me an appt. Time. No one ever informed me about anything on 5/28/22, let alone about any vehicle damage. Someone rear ended my vehicle last year in August of 2021 but my rear bumper was replaced months ago with a brand new one if that's what they are referring to but again I have no idea because they have no proof of what they are referring to anyways. This company needs to be liable for their actions especially when you're dealing with peoples sensitive information and talking about their debt. 
  
  
  
  Regards,
  
  
  
  ******* ********

  Customer Answer

  Date: 08/11/2022

  Better Business Bureau:
  
  
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 17634252, and have determined that this does not resolve my complaint. 
  
  
  
  
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
  
  
  
  There is no response from them. They sent the same letter from the original response. They clearly do not have an answer because they know they lied to me and I have the proof. I will be blasting this company on the news and taking further action.
  
  
  
  
  
  Regards,
  
  
  
  
  
  Janiqua Williams

  Business Response

  Date: 08/26/2022

  August 5, 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 July 29, 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 you applied for a loan with Regional on May 14, 2022, immediately
  contacted the local office to finalize the loan after receiving notification of approval on May 16, 2022,
  and were advised by branch personnel that the employee processing your application would respond to
  you. You further state that you never received the employee’s response and were advised by branch
  personnel to provide additional documentation when you contacted the branch on May 21, 2022 to
  follow up on the status of your application. Additionally, you state that another employee from the
  branch later contacted you regarding your application and advised that she would call you to schedule
  closing on a loan for June 9, 2022. Finally, you state that you did not hear from the employee for a
  month , contacted the branch once again to follow up and received approval for a loan in an amount
  significantly lower than the amount previously quoted by branch personnel. As a result, you feel the
  application process has been stressful and request that Regional remove the credit inquiry that appears
  on your consumer report if your application cannot be approved for a larger loan amount.
  
  Regional’s records indicate that you submitted your first application for a loan on May 14, 2022 and
  you agreed to proceed with the process on May 16, 2022. Regional received documentation provided
  by you in order to finalize the application on May 23, 2022 and it was determined that you could not be
  approved for the type of loan you in which you had originally applied because the vehicle to be secured
  as collateral was damaged and decreased in value. As such, you were offered a loan in a smaller amount
  and your application was cancelled after you expressed to the Branch Manager that you were no longer
  interested in obtaining credit on May 28, 2022. On July 27, 2022, an additional application process was
  initiated to obtain a loan for debt consolidation and you stated you planned to use the aforementioned
  vehicle to secure the loan. On July 28, 2022, you spoke with the Branch Manager, stated that you did
  not want to pay in full your other creditors as well as your automobile loan with ****** *******, LLC
  and subsequently cancelled your application. For the reasons explained above, Regional does not
  believe that removing the credit inquiries is the appropriate course of action at this time. Please be
  advised that you applied for the loans, authorized the credit inquiries and Regional is contractually
  obligated to provide accurate data to the credit bureaus according to the provisions of the Fair Credit
  Reporting Act.
  
  We appreciate your business and would like to thank you for choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie ** ******
  Karie ** ******
  Compliance Associate
  Enclosure(s)

  Business Response

  Date: 08/26/2022

  August 9, 2022
  
  
  ******* ********
  Via Electronic Upload
  
  Re: Better Business Bureau Case Complaint ID: ********
  
  Dear Ms. ********:
  
  I am writing in response to t*e rebuttal submited in relation to t*e above-referenced complaint t*at was
  filed wit* t*e Better Business Bureau (“BBB”) dated August 5, 2022. Regional Finance Corporation of
  Texas, LLC (“Regional”) appreciates t*e opportunity to address your concerns. At Regional, we truly value
  our customers’ satisfaction and will work toward t*e resolution of any issues.
  
  In your rebuttal, you state t*at Regional’s underwriters originally approved your loan application for a line
  of credit in t*e amount of $14,000.00 and decreased t*e amount approved to $9,000.00 two mont*s later.
  You furt*er state t*at Regional did not sc*edule any appointment to close on a loan and never informed
  you of t*e status of t*e loan application.
  
  As previously stated in t*e response submitted August 5, 2022, notes documented in Regional’s servicing
  system indicate t*at t*e branc* manager contacted you on May 28, 2022 and you advised t*at you were no
  longer interested in obtaining a loan. Your claim t*at Regional’s underwriters originally approved your
  application for a loan in t*e amount of $14,000.00 could not be validated. Regional would like to reiterate
  t*at you aut*orized t*e credit inquires and Regional is contractually obligated to provide accurate data to
  t*e credit bureaus according to t*e provisions of t*e Fair Credit Reporting Act.
  
  Regional appreciates your business and would like to t*ank you for c*oosing Regional for your financial
  needs. Regional now considers t*is matter closed.
  
  
  Sincerely,
  
  
  Karie * M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure