BBB Business Review

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This business is not BBB accredited.

Community 1st Financial

Additional Locations

Phone: (866) 370-1967 Fax: (866) 308-4199 View Additional Phone Numbers 202 S. Main St., Cleveland, OH 44115 ! Community 1st Financial is Believed to Be Out of Business !

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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

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

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • This business has no rating because BBB has information indicating it is out of business.

Customer Complaints Summary

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

Additional Complaint Information

This company first came to the attention of the Cleveland BBB in April of 2006. The BBB urges caution when considering doing business with this internet website since we have been unable to verify the company location, reliability or performance. In addition, it is illegal to require a fee in advance of processing a loan in Ohio.

At that time the company contacted consumers offering Advance Fee Loans ranging from $11,000 to $20,000. Prior to receiving the monies, consumers were asked to pay "insurance fees" ranging from $700 to $2,300 and to provide personal information including pay stubs, their driver's license and social security number.

The company has indicated to consumers that they are located at an Ada, Ohio business address. However, the Cleveland BBB has found no reference to any specific address on the company website and, as of May 5, 2006, has been unable to verify any such location.

The company website provides no specific contact information but does state it is "...a direct lender that began business in 1994". The website also states the company is licensed in Arizona, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, ,Indiana, Kansas, Maryland, Massachusetts, Minnesota, Mississippi, New York, North Carolina, Ohio, Oklahoma, Rhode Island, Tennessee, Utah and Washington State.

The Cleveland BBB has confirmed with the Ohio Division of Finance that this company is NOT a licensed mortgage broker in the State of Ohio.

(For more information about this industry, see the Educational / General Comments portion of this report.)

This file reflects one or more unresolved complaints concerning failure to provide either the agreed upon loan or a refund of fees paid by the consumer.

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Community 1st Financial
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: April 27, 2006
Business Management
Mr. Barry Donns Ms. Marlene Chambers Ms. Kathy Wilson
Contact Information
Principal: Mr. Barry Donns
Business Category

Advance Fee Loan Brokers

Alternate Business Names
Community First Financial
Industry Tips
Advance Fee Loans

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.