BBB Business Review
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BBB Accredited Business since
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The scope of this report issued by our local BBB in Columbus, Ohio, concerns the company's headquarters in Dublin, Ohio, and all company locations nationwide.
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A BBB Accredited Business since
BBB has determined that Community Choice Financial, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for Community Choice Financial, Inc. include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 209 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Industry Ratings Comparison
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||78|
|Total Closed Complaints||209|
Additional Complaint Information
Most complaints in our BBB files concerning this business are from consumers the company has contacted in an attempt to collect fees and repayment for a payroll advance or check cashing transaction that they determined was not repaid on time or was not repaid in full. These complaints generally allege the firm's collection practices were questionable because: collection activity was unwarranted while the transactions were disputed; because the company contacted customers at work; because the company contacted customers early in the morning and late at night; because the company made a number of repeated calls to customers; because of the language and demands made by the company when contacting customers; because the company contacted persons other than the customer; because additional checking account and banking fees were incurred by customers when other personal checks "bounced" or account actions were rejected for insufficient funds after Checksmart automatically withdrew loan payments from the customer checking accounts; because the company continued collection activities after customers determined they had completed loan and fee repayment. CheckSmart sometimes responds saying because they are not a third party debt collector, but collecting their own debts they are not subject to the Federal Fair Debt Collections Practices Act. At other times, the firm has responded by stating their position in rebuttal to the challenges, including referring customers to the terms and disclosures of their loan application and agreements. Checksmart has offered adjustments to some customers. For more information concerning the Fair Debt Collections Practices Act, you may wish to contact the Federal Trade Commission at toll-free phone number 877-382-4357 or online at www.ftc.org. The FTC describes a debt collector as any person who regularly collects debts owed to others, including attorneys who collect debts on a regular basis.
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||5|
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Ohio Department of Commerce
77 S High St Fl 23, Columbus OH 43215
Phone Number: (614) 466-3636
Type of Entity
Business ManagementMs. Bridgette Roman, General Counsel, Exec VP & Asst. Secretary Mr. Michael Durbin, Senior VP/CFO/Treasurer Mr. Kyle Hanson, President Ms. Pagle Helterbrand, VP Human Resources Mr. William "Ted" E Saunders, CEO, Community Choice Financial Mr. Chad Streff, Sr. VP/CTO
Check Cashing Service Consumer Finance & Loan Companies Money Orders & Transfers Payday Loans Bill Paying Service Prepaid Debit/Credit Cards