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Business Profile

Consumer Finance Companies

Community Loans of America, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

This profile includes complaints for Community Loans of America, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Community Loans of America, Inc. has 464 locations, listed below.

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    Customer Complaints Summary

    • 115 total complaints in the last 3 years.
    • 31 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/08/2025

      Type:Sales and Advertising Issues
      Status:
      Unanswered
      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 title loan and paid them off and it has been two in half months and still no title they keep saying in a week

    • Initial Complaint

      Date:06/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 title loan through Utah Title loans. My truck was repossessed. Within the 10 day period I went and paid it off and several other fees. It is paid completely off and yet they refuse to tell me the company that towed my vehicle. Or where I can pick it up. Its been 4 days and they have not helped me at all. The manager is extremely rude and just hangs up on me. And said I will get it when I get it. I think she is just trying to be as difficult as possible.

      Business Response

      Date: 07/08/2025

      To whom it may concern:

                  Community Loans of America, Inc. (the Company) is in receipt of a complaint from your office regarding the above-referenced matter.  As you are aware, privacy regulations prohibit the Company from disclosing confidential consumer information to unauthorized third-parties. In the event that you have a signed authorization from the consumer who filed this complaint, please forward a copy to the address listed above.

                  Notwithstanding the foregoing, please note that it is the Companys usual practice to reach out to the consumer at issue in an effort to resolve BBB concerns.  To the extent that the individual identified in your correspondence is a customer of the Company, this matter will be forwarded to a local Company representative for review and resolution. 

            Thank you for your assistance in bringing this matter to our attention. The Company invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

    • Initial Complaint

      Date:06/28/2025

      Type:Billing Issues
      Status:
      Unanswered
      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.
      Community loans has reported to my Experian credit file that I am 60 days late on a payment. To my knowledge, I have never done business with Community loans. I do not have any details (including a full account number) other than what is listed on the report. I called the number listed as the creditors number and used their website request contact many times since I found the account on my credit report on 6/5/25. They have never called me back. I am only able to leave a voicemail when I call the number. This is a fraudulent account. I demand that this negative remark be removed from my credit report.

    • Initial Complaint

      Date:06/10/2025

      Type:Billing Issues
      Status:
      Unanswered
      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: 12 PAYCHECK ADVANCE ******* Account #: ****************Balance: $703.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

    • Initial Complaint

      Date:06/09/2025

      Type:Customer Service Issues
      Status:
      Unanswered
      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 fill they are Discriminating against they because I was approved for loan when in to get the loan. But both the ladies in the office was very rude to me and told me bc my boyfriend had a loan there I would not be getting the loan. Bc we are boyfriend and girlfriend. I told them we don't live together and we have Separate incomes. I have my own and he has he own. We live separately. They told me to go somewhere else and get a loan we aren't doing it bc you all are a couple. Which I read the trems of the loan it doesn't say no where in them trems and Policy about if your boyfriend are girlfriend has a loan that your not allow too. We don't live together and Have a separate incomes. I asked for Her Name and corporate number she would give me her name . Said that not my business and if I know how to use a smartphone to ****** corporate number. Don't call her store no more. They wasn't going to do nothing for me. And hung up. They are very rude both ladies that works there. Also told me to worry about my kidney failure doing my dialysis treatment and laugh. That wasn't very professional or nice of them. It hurt my feelings. I'll never go back in there. Bc I'm in kidney failure last stage. Was needing to get my medicine filled. Thanks , ****** ******* 06/09/2025

    • Initial Complaint

      Date:06/03/2025

      Type:Order Issues
      Status:
      Unanswered
      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 currently have a title loan with Wisconsin Auto Title Loan. I am looking to refinance the loan with another company and they require a 10-day payoff letter. They are legally required to give it to me and have the full capability yet refuse. I am being charged interest daily. I am currently being treated for lung cancer as well as taking care of my elderly mother who has Alzheimer's. Their refusal to give me a letter they are fully capable of giving me is causing me great distress both financially and emotionally. I am not able to find any information on talking to a supervisor and the current manager refuses to give me any assistance or information in doing so. I need help.

    • Initial Complaint

      Date:05/08/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Missouri Title Loans repossessed my vehicle on Oct. 11 2024, I'm not disputing their right to do that, nor the amount owed, the issue at hand the vehicle was parked in ******* parking lot, the vehicle was All wheel drive, meaning they should have towed it with a Roll Back, not a lift tow truck, where there were still 2 tires on the ground. The tow was picked up on video surveillance, i was told what by ******* Loss Prevention who viewed the footage and relayed back to me what they saw. Improper towing causes $1000's in damages, I had the vehicle sold at the time it was towed. The company sent me a letter stating I had a certain amount of time to come in pay the loan, and get the vehicle back, which would have been acceptable had it been towed properly, I couldn't sell it, not knowing what the damage was, and there was going to be a lot, they had to go at least 30 miles, all wheels locked in 2 on the pavement, no wheels were turning, meaning my car was drug the entire way. They didn't have any keys to the vehicle. They took the option away from me, and I would have profited $1600 and the debt would have been paid. And they never sent me anything letting me know what they sold it for, so they could have sold it for way more than I owed, the blue book value was $6500, i owed $3100. They sicked their lawyers on me, I have witnesses to acct for the what kind of tow truck towed the vehicle, their attorney obviously can't use the phone very well, he says they are still trying to contact the tow company that towed it. One phone call would have taken care of that. I don't believe a word. They damaged my vehicle by using the wrong type of tow truck.

      Business Response

      Date: 05/16/2025

      To whom it may concern:

                  Community Loans of America, Inc. (the Company) is in receipt of a complaint from your office regarding the above-referenced matter.  As you are aware, privacy regulations prohibit the Company from disclosing confidential consumer information to unauthorized third-parties. In the event that you have a signed authorization from the consumer who filed this complaint, please forward a copy to the address listed above.

                  Notwithstanding the foregoing, please note that the consumer filed a complaint on this same substantive issue with the Missouri Office of the Attorney General Consumer Protection Division.  We attach the response in that matter, in which the consumer's allegations are denied.  We respectfully submit that, given the consumer's filing with the *************************'s Office, that forum, and not the BBB, is the appropriate avenue for resolving the consumer's concerns.    

            Thank you for your assistance in bringing this matter to our attention. The Company invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

    • Initial Complaint

      Date:04/18/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      Got a car loan and when I finished paying my loan off I never received my title back. The are holding my title for no reason. I called Texas title loan over and over asking if I can have the title, they tell me they dont have it in their possession and it has to get returned to them from the ***************************. Its been almost a month.

    • Initial Complaint

      Date:04/03/2025

      Type:Service or Repair Issues
      Status:
      Unresolved
      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 overpaid on a loan with this company. On march 7, 2025 I spoke with them about the over payment. I was told they had a check in their possession for me that I could come pick up or they could mail it if I wished. I opted for the check to be mailed because i couldnt get there before they closed due to my work schedule. Not a problem. They were happy to mail it. 2 weeks go by and no check. I called and was told it had been mailed. Over 3 weeks later now and I have not received the check. I called for several days and no one answered. I left a message. No return call. I called repeatedly today, no answer but when i call from my daughters phone they answered. I explained that i have not received the check. I was told it was mailed to my address and they had not received the check returned to them. I attempted to ask for the check to be voided and replaced but i was not allowed to speak. The woman on the phone just kept talking over me. She said at one point that this is the reason they encourage people to come pick up their checks. I then hung up because that is not the conversation we initially had. They have been rude and misleading from the beginning. The totality of it all has lead to the filing of this complaint.

      Business Response

      Date: 04/10/2025

      To whom it may concern:

                  Community Loans of America, Inc. (the Company) is in receipt of a complaint from your office regarding the above-referenced matter.  As you are aware, privacy regulations prohibit the Company from disclosing confidential consumer information to unauthorized third-parties. In the event that you have a signed authorization from the consumer who filed this complaint, please forward a copy to the address listed above.

                  Notwithstanding the foregoing, please note that it is the Companys usual practice to reach out to the consumer at issue in an effort to resolve BBB concerns.  To the extent that the individual identified in your correspondence is a customer of the Company affiliate, this matter will be forwarded to a local Company representative for review and resolution. 

            Thank you for your assistance in bringing this matter to our attention. The Company invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

      Customer Answer

      Date: 04/11/2025

       
      Complaint: 23154003

      I am rejecting this response because:
      They have not corresponded with me at all. I just want what is owed to me and be done. 
      Sincerely,

      ******** ******

    • Initial Complaint

      Date:03/18/2025

      Type:Order Issues
      Status:
      Answered
      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 took out a title loan with Delaware Title Loan on 3/7/24 for [5000]. Since then, the company has engaged in predatory lending practices, charging excessive interest rates that make it nearly impossible to pay off the balance. I have made payments totaling 9475 so far, yet the principal barely decreases due to the extreme interest structure.I contacted the company on 3/17/25 requesting a fair interest rate reduction or a reasonable settlement plan, but they refused to negotiate in good faith. Instead, they stated they would only offer a settlement at the end of the month without providing clear details, making it difficult to assess the offer properly.I request that Delaware Attorney General take a look at these unfair lending practices and require the lender to provide a fair repayment plan that reflects ethical lending standards, rather than trapping borrowers in a cycle of unmanageable payments.Also and have been making bi-weekly payments of $379 since 03/22/2024. However, each time I make a payment, I am charged an additional $3.79 convenience fee that was not clearly disclosed in my original loan agreement.I requested a full breakdown of my payments, interest charges, and fees, but the lender has failed to provide transparency regarding where my payments are applied and how these fees are legally justified.Additionally:The interest rate is excessive and predatory, making it nearly impossible to pay down the principal.Despite making [9475], my loan balance has barely moved.The lender is engaging in unfair lending practices by imposing extra fees that increase my financial burden.

      Business Response

      Date: 03/27/2025

      To whom it may concern:

                  Community Loans of America, Inc. (the Company) is in receipt of a complaint from your office regarding the above-referenced matter.  As you are aware, privacy regulations prohibit the Company from disclosing confidential consumer information to unauthorized third-parties. In the event that you have a signed authorization from the consumer who filed this complaint, please forward a copy to the address listed above.

                  Notwithstanding the foregoing, please note that it is the Companys usual practice to reach out to the consumer at issue in an effort to resolve BBB concerns.  To the extent that the individual identified in your correspondence is a customer of the Company, this matter will be forwarded to a local Company representative for review and resolution. 

            Thank you for your assistance in bringing this matter to our attention. The Company invests heavily in maintaining consumer relations and considers consumer satisfaction a high priority. 

      Customer Answer

      Date: 03/27/2025

       
      Complaint: 23079502

      I am rejecting this response because: they did not over any solution about this matter just a generic message

      Sincerely,

      ***** *******

    Community Loans of America, Inc. is NOT a BBB Accredited Business.

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