BBB Business Review

BBB Accredited Business since

BBB Business Reviews may not be reproduced for sales or promotional purposes.


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.

BBB Accreditation

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.

Find a Location

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Community Choice Financial, Inc. include:

  • 208 complaint(s) filed against business

Factors that raised the rating for Community Choice Financial, Inc. include:

  • Length of time business has been operating
  • Response to 208 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

208 complaints closed with BBB in last 3 years | 66 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 6
Billing/Collection Issues 126
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 76
Total Closed Complaints 208

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 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

10 Customer Reviews on Community Choice Financial, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 1
Negative Experience 9
Total Customer Reviews 10

Additional Information

BBB file opened: July 12, 1990 Business started: 01/01/1987 Business started locally: 01/01/1987
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 Management
Ms. 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
Contact Information
Principal: Ms. Bridgette Roman, General Counsel, Exec VP & Asst. Secretary
Business Category

Check Cashing Service Consumer Finance & Loan Companies Money Orders & Transfers Payday Loans Bill Paying Service Prepaid Debit/Credit Cards

Alternate Business Names
1st Loans Financial (Buckeye Check Cashing of Illinois, LLC) 1st Virginia Buckeye Check Cashing of Illinois, LLC dba 1st Loans Financial Buckeye Check Cashing of Michigan, Inc. dba CheckSmart Buckeye Check Cashing, Inc. Buckeye Check$mart Buckeye Credit Solutions Buckeye Lending Solutions Buckeye Title Loan California Check Cashers California Check Cashing Stores Cash 1 Cash-A-Check CCFI Check Cashing USA Check Smart Check$mart CheckSmart Easy Money Easy Title Express Consumer Loans Express PRA First Virginia Financial Services Southwest Check Cashing
Industry Tips
Paycheck Advance - Check Cashers - BBB Tips

Customer Review Rating plus BBB Rating Summary

Community Choice Financial, Inc. has received 3.29 out of 5 stars based on 10 Customer Reviews and a BBB Rating of B.

BBB Customer Review Rating plus BBB Rating Overview
Industry Ratings Comparison Chart X
Same Relative Size   All Businesses
The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in 21 Counties in Central Ohio. Businesses may engage in more than one type of business.

What is a BBB Business Review?

We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.


About BBB Business Review Content & Services:

Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
Not all enhanced content & services are available at all Better Business Bureaus.

Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


Industry Tips


What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.


What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.


Thank you for your feedback!

Help us improve by taking our survey.


BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.


Additional Web Addresses

Find a LocationX

  Change Location
Show Only Accredited Locations