Complaints
This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 437 total complaints in the last 3 years.
- 131 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:10/06/2025
Type: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.
Yesterday 9/5/25, I applied for an online loan with Speedy cash for an emergency. I received a confirmation email to review and sign my loan by a loan officer, ******* *****. I signed the agreement, ******** received my funds. I tried contacting the loan officer and nothing. My concerns is being scammed. I have given them all my personal information. Banking info, SSN, etc I have tried to reach out to the numbers on the email and the agreement paperwork and nothing. If I havent received the money and they start taking money out of my bank account this will be extremely stressful amongst other things. If it isnt a legitimate business Id like my information to be removed and this agreement to be cancelled/dissolved/terminated.
Business Response
Date: 10/09/2025
October 9, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******** ****** (Complainant). Speedy Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states on September 5, 2025, they applied for an online loan with Speedy Cash and signed the agreement but have not received the funds. They are unable to reach the loan officer and are concerned because they provided their personal and financial information. The Complainant is requesting to terminate the signed agreement and remove their information.
A review of Speedy Cash records revealed a loan application was submitted by the Complainant with Speedy Cash online at ********************************** on September 4, 2025.The application was subsequently approved for $255.00 but the Complainant did not accept the loan, and as such no loan transaction was completed.
Speedy Cash strongly denies the correspondence mentioned and included attachments within the complaint was from Speedy Cash or authorized on its behalf. The Complainant appears to be a victim of a loan approval scam therefore we are unable to terminate the agreement due to the loan not originating from Speedy Cash. In addition, the Complainant contacted Speedy Cash regarding the emails they received on two (2) occasions in September and Speedy Cash advised the communication did not originate from Speedy Cash and advised them that the communication was a loan approval scam.
Speedy Cash is aware that, unfortunately, bad actors are posing as legitimate lenders in an attempt to defraud unsuspecting consumers. Speedy Cash encourages consumers to report all such fraudsters to local law enforcement agencies, the ************************ (***) and the ****. Helpful tips concerning Identity Theft may be found on the ************************'s website at ********************.
The Complainant may also contact Speedy Cash directly at *************** to determine the legitimacy of any transaction or correspondence in the event an unexpected communication is received from Speedy Cash.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/29/2025
Type: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.
Hello, Im trying to sell my 2020 ****** ***** to ******. VIN *****************, I cant sell the vehicle because they said theres a lien showing up under the national database under the previous owner name. even tho I have a clear Arizona title in my name showing no liens. I called titlemax support and they cant tell me any information, I went to a location and they said theres no lien with that vin number in their system. I need the vehicle to be removed from titlemax database or a notarized letter from titlemax saying theres no lien on the vehicle or that the previous lien has been satisfied and that titlemax no longer has interest in the vehicle.Business Response
Date: 10/03/2025
October 3, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ********* ******* Isasi ***** (Complainant). TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they are unable to sell their vehicle due to a lien under the previous owners name with TitleMax although they have a clear title. They request the lien be removed or a notarized letter.
To protect the privacy and confidentiality of our customers information, we have strict policies in place that prevent us from sharing any account-related details or information with unauthorized third parties. These policies are designed to safeguard sensitive data and maintain compliance with laws and regulations.Therefore, we cannot disclose specific account-related details or information to the Complainant as they are not listed as an authorized user on any accounts with ***********************. However, a preliminary search does not show that TitleMax holds a lien on this VIN. We request the Complainant provide proof of this for further review and research.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/29/2025
Type: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.
02/14/2025 I went to Title max on ********************** located in *******,Tx and spoke with the then manager at the time. I inquired about a title loan regarding my 2015 ***** Malibu, I explained that I had a title loan previously through a different company but that they no longer did title loans which is why i went there.
I explained that on the previous title loan I had it was a set amount of 985 a month for 6 months but It was a straight forward loan and I was able to pay it off.
Upon asking the then manager what there title loans were like he said I would pay less than $985.00 , I asked how much he could not answer without first seeing exactly how much I was approved for. I told him to start the process and I was approved for $4,000 I specifically asked if I could take less than the amount approved for he stated no.
The payments were ****** a month he stated that if the loan got past 6 months or later pay it off and also if I missed a payment that the vehicle would then be repossessed promptly.
I made a normal payment March and April, I had issues with the online portal in May and also was having some concerns that every time a payment was made the loan was not getting lower after a few days it would go right back to the original amount. I went in and spoke with the new manager ********* and asked why the loan was not going down when paid she explained the loan was a 30 day loan and that each time I paid I was just refinancing the loan, which was not how to loan was presented to me when I took it out. she then informed me the previous manager was no longer there.
immediately I had concerns , I talked to her over the next few months trying to figure out how to pay it off she suggested trading my vehicle and possibly going to another company to pay it off and take over both of which I could not do. I was lied to regarding this loan and was told later I could have taken a lesser amount.
Customer Answer
Date: 09/29/2025
I want the company to take accountability and rectify the situation. It was handled poorly i would not have entered into that type of contract had I not been deceived by the manager who represented the company at the time. I am now without a vehicle because of this. I want the company to rescind the contract and pay for damages.Business Response
Date: 10/06/2025
October 6, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ********* ******** (Complainant). TitleMax of ***********, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant claims they were approved for $4,000.00 and were told they were not able to take out less than that amount. They have concerns about the loan balance not being lowered despite making payments. They claim that after they asked about this, they were told the loan was a 30-day loan and they were just paying to refinance their loan. They request the company to rectify the situation and allow them to rescind the contract as well as pay for damages.
TitleMax of ***********, DBA TitleMax is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing, unaffiliated lenders. TitleMax services the loan but is not a lender in *****. TitleMax charges a CSO fee in the amount permitted by Texas law.
A review of TitleMax records revealed that on February 14, 2025, the Complainant obtained a loan for $4,078.00 with First Star Financial, LLC at a storefront in *******,**. The Complainant granted a security interest in a 2015 Chevrolet Malibu with a VIN ending in ******. The loan was contracted to be repaid in one (1) payment of $4,811.16, due March 17, 2025. On March 12, 2025, the Complainant made a payment of $700.00 and refinanced their existing loan of $3,992.91. The loan was contracted to be repaid in one (1) payment of $4,709.50, due April 11,2025.
Between April ******, and July 9, 2025, the Complainant refinanced their loan on four (4) more occasions. The current refinance was completed on July 9, 2025, in which the Complainant made a payment of $670.51 and refinanced their loan for the remaining balance of $3,842.98. The loan was contracted to be repaid in one (1)payment of $4,535.11, due August 10, 2025.
Payment history on the most recent refinance indicates there have been no payments made on the loan. When the payment was not made on August 10, 2025, the account entered into a past due status. The Complainant currently has a past due balance of $5,207.56 but is subject to change due to interest and/or fees that may be accruing.
At the time of loan origination and each refinance, the Complainant signed a Loan Agreement,Promissory Note and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** addition, the Complainant signed the Credit Services Contract and Security Agreement and a TitleMax employee explained the terms and conditions to the Complainant at loan origination.
To address the Complainants claim that they were told the lowest amount they could borrow was $4,000.00, it is important to note that TitleMaxs minimum amount for their loan product is $100.00, and at the time of loan origination, the Complainant completed the Credit Application themselves and indicated they were seeking $4,500.00. By signing the credit application, the Complainant indicated the information they provided was accurate.
Additionally,numerous refinances were completed by the Complainant using TitleMaxs secure online web application which allows the customer to move at their own pace to ensure full understanding of any and all documents presented to them prior to signing. By signing the loan agreements, the *********** acknowledged their understanding of the terms and conditions of the loans.
Please note that under a 30-day loan, the expectation is to pay in full on or before the expiration date. Rather than paying the balance in full, the Complainant elected to pay the outstanding finance charges and enter into a new loan for an additional thirty (30) days on multiple occasions, thereby accruing additional charges. The Complainant has yet to make a payment in full or significant additional payments to their principal.
As we believe that the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing, the Complainants request to rescind the loan will not be granted at this time. It is unclear what damage the Complainant is referring to; therefore, no compensation will be provided. For any additional questions or concerns regarding your account, please contact TitleMax at **************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 10/06/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23947822
I am rejecting this response because:Regarding your response its typicall that all i keep hearing from the company is i signed thr contract ok well I signed the contract under false information given regarding the loan I was taking out by the person representing the company
also this person was terminated from the company for giving false information to people which is why hes no longer there.
So your correct i signed your contract but after I was given incorrect information regarding the type of loan it was. By that time months had past already.
So I will say this again your representative lied to me. Fraudulent inducement: If someone lied about the terms of a contract to trick you into signing it, you can sue them for fraudulent inducement. The liar can be ordered to pay for your damages
.so im trying to handle this correctly with you the company but I can assure you i will not let it go. If your only statement is i signed the agreement your correct i did and was lied to about the entire contract. Also look into why this person was terminated. Also I quit paying the loan i was not going to continue to throw away money because the person you had represent your company lied to people I am also positive I am not the only one. Your representative led me to believe this was a contract where I paid once a month until the amount was paid back or I paid off early never once stating it was a **************************************************************************************************************** order to get them to sign a contract so that afterwards you can tell them "but you signed the contract"?
Regards,
********* ********Initial Complaint
Date:09/26/2025
Type: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've been paying this company for the last 3-4 years and now my account was charged off and now I'm being made to pay a 1000 to not get repoed every month will not accept 400$ payment want a thousand every mont to avoid repo and I'm on a fixed income and have to hide my car everyday to not get repo by titlemax please help resolve this matter it's getting cold and I'm not able to keep hiding my car and paying them to a of money over the years I'm being threatened to pay unless I will get repoedBusiness Response
Date: 10/03/2025
October 3, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******* ******* (Complainant). TitleMax of **************, DBA TitleMax, a member of Community Choice Financial family of brands,appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they have paid for the last three to four years and they are now being threatened with repossession if they do not pay $1,000.00 a month on their charged off account. They request *********************** to stop trying to repossess their car, as they claim they have already paid this debt off.
A review of TitleMax records revealed that on June 13, 2022, the Complainant obtained a loan for $10,020.50 at a storefront in **********, **. The Complainant granted a security interest in a 2018 ************* E- Class with a VIN ending in ******. The loan was contracted to be repaid in forty-seven (47) monthly payments of $1,328.26 beginning July 22, 2022, with a final payment of $1,327.24, due June 22, 2026. On June 24, 2023, the Complainant made a payment of $1,404.47 and refinanced their existing loan of $9,965.54. The loan was contracted to be repaid in forty-seven (47) monthly payments of $1,324.11 beginning August 4, 2023, with a final payment of $1,318.43, due July 4, 2027.
Payment history on the recent refinance indicates that twenty (20) payments have been made on the loan, the equivalent of twenty-six (26) scheduled payments. Please note that a majority of the payments made were late. On March 4, 2024, the account was placed in a past due status. On multiple occasions the vehicle was set to be recovered, however the Complainant would make the minimum payment to prevent the recovery. Contrary to the Complainants statement, we have no record that this loan has been paid off.
At the time of the loan origination and refinance, the Complainant signed a Loan Agreement,Promissory Note and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** signing the agreements, the *********** acknowledged their understanding of the terms and conditions of the loan, including our rights upon default and what constitutes as a default.
TitleMax is committed to treating its valued customers in a fair, honest, and transparent manner. TitleMax reasonably ensures that its development, delivery, and servicing of products will not result in an act or practice that is unfair,deceptive, or abusive.
We believe that the conditions of the loan were clearly disclosed, and we cannot find evidence of any wrongdoing. We encourage the Complainant to contact our ********************* directly at ************** to discuss their account.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/25/2025
Type: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.
Good evening,I borrowed money from Titlemax to help cover my daughters rent while shes in school. I have been paying but things fell behind because I broke my arm and its been hard for me. They reposed the car and now she has no means of transportation to work or school. When you pull up my account it still shows this balance of $3200 owed to them. The car was reposed and supposedly sold not sure for how much, but I have not been advised how much the car was sold for. Not sure where I will find the funds to get her another car. How do I go about finding out what the car was sold for and how much. Shouldnt I be advised. Any help will greatly appreciated.Business Response
Date: 10/02/2025
October 2, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ******* (Complainant). TitleMax of *************, DBA TitleMax,a member of Community Choice Financial family of brands,appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their car was repossessed and sold but they were not informed how much the car sold for. They claim their account shows they owe $3,200.00 online,and they request an explanation of charges.
A review of TitleMax records revealed that on November 29, 2024, the Complainant obtained a **** for $2,818.00 at a storefront in ************, **. The Complainant granted a security interest in a 2008 ******* Santa Fe with a VIN ending in ******. The **** was contracted to be repaid in one (1) payment of $3,268.60, due December 29, 2024. On February 6, 2025, the Complainant made a payment of $756.28 and refinanced their existing **** of $2,618.00. The **** was contracted to be repaid in one (1) payment of $3,009.21, due March 8, 2025.
Between March *******, and May 30, 2025, the Complainant refinanced their **** on three (3) more occasions. The most recent refinance was completed on May 30, 2025, in which the Complainant made a payment of $447.24 and refinanced their **** for the remaining balance of $2,618.00. The **** was contracted to be repaid in one (1)payment of $2,945.25, due June 29, 2025.
Payment history on the most recent refinance indicates no payments were made on the ****. When the payment was not made on July 29, 2025, the account entered a past due status. Due to continued non-payment, the vehicle was recovered on August *******. The Complainant failed to make a payment to redeem their vehicle,therefore the vehicle was sold on September 24, 2025.
At the time of **** origination and each refinance, the Complainant signed a **** Transaction Disclosure Statement and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and Regulation Z.
As disclosed in the signed **** agreement:
This is a **** transaction. Failure to make your payments as described in this document can result in the loss of the pawned item. The pawnbroker can sell or keep the item if you have not made all payments by the specified maturity date. Failure to make your payment as described in this document can result in the loss of your motor vehicle. The pawnbroker can also charge you certain fees if he or she actually repossesses the motor vehicle.
By signing the agreements, the Complainant acknowledged their understanding of the terms and conditions of the pawns. It is important to note that that the State of Georgia has no statutory requirements to provide a notice providing details of the vehicle sale. Regardless of the sale information, TitleMax will not attempt to collect any deficiency related to the **** and consider the **** closed.
TitleMax believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. We encourage the Complainant to call **************** at ************** for any questions regarding their account.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/24/2025
Type: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.
Lien never released on a long- settled title loan from 2010. No customer service representative has even been able to verify anything about the now archived account. This makes it impossible to complete an application for replacement of the lost title.Business Response
Date: 09/30/2025
September 30, 2025
Better Business Bureau
********************************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). TitleMax of ***************, DBA TitleMax,a member of Community Choice Financial family of brands,appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states a lien was never released from a loan that was settled in 2010.
A review of TitleMax records revealed that on November 13, 2010, the Complainant obtained a pledge for $2,000.00 at a storefront in ***********, **. They Complainant granted a security interest in a 2005 ****** Boulevard VS800 with a VIN ending in ******. The loan was contracted to be repaid in one (1) payment of $2,219.80,due December 13, 2010. Payment history indicates the Complainant paid off the loan on January 31, 2011, and the title along with the applicable lien release signature was provided the same day.
As a courtesy, we have submitted a request for a no-interest letter to be mailed to the address provided on a prior call on September 24, 2025. Please allow up to two (2)weeks for this request to be processed.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/19/2025
Type:Status:ResolvedMore 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 borrowed one time from this establishment and paid the required $25 fee for having an account with them. After not borrowing, the establishment constantly called asking if I needed to borrow and I told them no. When it got close to a year anniversary for anyone, I guess whoever borrow from these criminals will be charged an annual fee of $25. When I spoke with *** regarding this information. I told them I don't need to borrow anything or did not plan or will borrow from them and was informed my status was cancelled. Time went by I kept getting text messages about an outstanding balance of $25 from First Fin. I contacted them and they said the CheckSmart establishment I borrowed from did not cancel my "membership." And now they are trying to "steal", "force" me to pay another $25, eventhough I had cancelled my membership or participation with the CheckSmart establisment. So I contacted the CheckSmart on at ******************************************* , ******, OH and spoke with a ***** and she apologized for the issue and said she will speak with her manager to get this resolved. I calll a week or so later because I got another text message from First Fin. And now ***** is singing a different tune, saying I owe the $25 and I need to contact First Fin to dispute. I advised her the very first time that First Fin told me to contact CheckSmart, as they said they did not ***ort my account closed. *************************** and Firt Fin are scammers and I will contact the news as well to let them know and people know , I don't owe them a dime and that they are out her lying and robbing hard working people.Business Response
Date: 09/22/2025
September 22, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Vary Gist (Complainant). CheckSmart, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they received a text that they owe a $25.00 Annual Fee to ******** and have attempted to dispute the charge with CheckSmart.
For clarification, CheckSmart did not originate the loan in question; it appears the Complainant entered into a loan agreement with the unaffiliated third-party lender FirstFin Credit. CheckSmart is not the lender and merely provided the Complainant with access to FirstFin Credits products. CheckSmart cannot respond to the Complainants statements regarding the terms and conditions of the credit product received, payments made, or any other fees associated with this loan. CheckSmart recommends that the Complainant contact FirstFin Credit directly at **************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 09/22/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I accept the business's response to resolve this complaint.
Regards,
Vary GistInitial Complaint
Date:09/15/2025
Type: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 paid my title loan off in January 2025 and I never took another loan out on my car and I never received my title I'd call and they was rude and hateful. I never got letters mailed nothing I have a screenshot of where it was paid off and everything now their saying I owe 3 payments but I've never got another loan on my car all I did was try for a personal loan and I was denied I've never had problems with this company and now I am the workers are rude, hateful and just mean and now they texted saying my car is out for repossession and it's not I dont owe them anything I didnt even open another loan. The gentleman that was working that evening don't even work for them anymore and I had to fill out information online for a lawsuit on them for selling and giving out people's information and everything. I just want my title back and I shouldn't have to pay on a loan when I never got another one out I've tried calling them, the customer service people and everything and they don't want to help or listen to anything anyone says to themBusiness Response
Date: 09/18/2025
September 18, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******* ********* (Complainant). TitleMax of **************, DBA TitleMax, a member of Community Choice Financial family of brands,appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant claims they paid off their title loan in January 2025 and never took out another loan. They never received their title and states they are now being told they still owe. The Complainant requests a refund.
A review of TitleMax records revealed that on January 7, 2025, the Complainant obtained a loan for $1,911.50 at a storefront in ******, **. The Complainant granted a security interest in a ***************************************** B38596. The loan was contracted to be repaid in twenty-three (23) monthly payments of $377.28 beginning February 14, 2025, with a final payment of $376.43, due January 14, 2027. On April 3, 2025, the Complainant made a payment of $124.57 and refinanced their existing loan of $1,662.78, borrowing an additional $220.00. The loan was contracted to be repaid in twenty-three (23) monthly payments of $396.58 beginning May 15, 2025, with a final payment of $395.67,due April 15, 2027.
When the first scheduled payment was not made on May 15, 2025, the account entered a past due status, and a First Notice of Default and Right to Cure was mailed to the address on file on May 27, 2025. Payment history on the most refinance indicates there has been one (1) payment made on the loan that was made on June 3, 2025, in the amount of $813.00. The account would enter a past due status a second time after the minimum payment was not made on July 15, 2025, and a Second Notice of Default and Right to Cure was mailed to the address on ******* date the Complainant has missed three (3) scheduled payments that were due July 15, August 15, and September 15, 2025. The Complainant currently has a past due balance of $1,189.74 to bring the account current but is subject to change due to interest and fees that may be accruing.
At the time of loan origination and refinance, the Complainant signed a Consumer Installment Loan Agreement, Promissory Note and Security Agreement that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** signing the agreement, the *********** acknowledged their understanding of the terms and conditions of the agreement.
Contrary to the claim that they paid off their loan in January 2025, and did not take a loan after, our records indicate that the Complainant paid off a previous loan series on January 7, 2025, however later that same day, they obtained a new loan. Further, at loan origination on January 7, 2025, the Complainant provided their identification, as well as signed a Manual Title Application, and Power of Attorney in the store front. In addition, the Complainant has contacted TitleMax on multiple occasions since loan origination and refinance, acknowledging they owe on the account and promising payment.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no wrongdoing or concern in how the transaction was processed, therefore no refund will be provided. Should the Complainant have any additional questions or concerns regarding their loan, we encourage them to contact TitleMax directly at *************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/09/2025
Type: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.
Toyota of Clermont has been reaching out regarding a significant *** discrepancy issue with a vehicle we accepted as a trade-in on June 28, 2025. This vehicle is currently experiencing titling complications with the state of **************. We have confirmed with the state of ************** that the vehicle in question has an active lien with TitleMax.
We have been attempting to contact their specific branch to request a physical *** verification check, similar to the one we have conducted. We have also sent photographic evidence of the physical *** on the vehicle, which is currently located at our dealership in *******.
This *** discrepancy suggests either a typographical error during the original titling process in ************** or a more serious issue such as *** alteration or cloning.
We are simply requesting that TitleMax perform the same due diligence we have by physically verifying the *** on the vehicle associated with your lien.
This step is crucial to ensure that their customer is aware of the situation concerning the vehicle they are driving.
Business Response
Date: 09/12/2025
September 12, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** Of Clermont (Complainant).TitleMax of ********************, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states that they have been attempting to contact TitleMax requesting a physical *** verification check as there is a titling complication concerning the *** associated with the lien. They request that TitleMax physically verify the *** to ensure that the customer is aware of the situation concerning the vehicle.
To protect the privacy and confidentiality of our customers information, we have strict policies in place that prevent us from sharing any account-related details or information with unauthorized third parties. These policies are designed to safeguard sensitive data and maintain compliance with laws and regulations.Therefore, we cannot disclose specific account-related details or information to the Complainant as they are not listed as an authorized user on any accounts with ***********************.
To address the Complainants claim, it is important to note TitleMax has procedures in place to ensure the vehicle and corresponding title meet the requirements of obtaining a loan. At the time of a loan application, both the vehicle and title are inspected. Customers provide a physical copy of the ******************** showing the vehicles *** and a representative then physically verifies that the *** on the vehicle matches the title. Additional verifications are also done through the *** to confirm ownership and validate the title. TitleMax submits that our records are accurate and cannot find any discrepancies in the lien recorded.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:09/03/2025
Type: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 took a loan out with Titlemax I gave them permission to collect payment via *** from my savings account. Now without my permission they have charged me ***** two times 109 one time and I have an additional 2 charges pending for 109 all from my checking account with a debit card I never gave them permission to charge.
I have reached out to the manager they said they have gotten no response. I have reached out to their customer service they are directing me to the store. I asked to speak to their customer service accounting or a different manager nobody will help me. Charging someones debit card without permission is illegal
Business Response
Date: 09/09/2025
September 9, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant).TitleMax of Arizona, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they gave TitleMax permission to collect payment via *** but now without permission, they have been charged multiple times with a debit they never gave permission to charge. They request a billing adjustment.
A review of TitleMax records revealed that on July 15, 2025, the Complainant obtained a loan for $600.00 at a storefront in *******, **. The Complainant granted a security interest in a 2016 Jeep Renegade with a VIN ending in D38854. The loan is contracted to be repaid in twenty-three semi-monthly payments of $54.87 beginning July 31, 2025, with a final payment of $54.62 due July 15, 2026.
At the time of the loan origination, the Complainant signed a *************** Vehicle Finance Registration Loan Contract that clearly disclosed the annual percentage rate,finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** addition, the Complainant signed an Optional Loan Payment Authorization authorizing TitleMax to commence recurring payments with their bank account. By signing the agreement, the *********** acknowledged their understanding of the terms and conditions of the loan.
To address the Complainants concern regarding the additional payments processed, records show on September 4, 2025, the Complainant elected to receive a refund via check of $384.09 and their account was also provided a rebate of $54.87. As of the date of this response, the Complainants account is current with the next scheduled payment due September 30, 2025. Should the Complainant have any additional questions they may contact the local storefront at **************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************
Community Choice Financial, Inc. is BBB Accredited.
More InformationWhy choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.