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
- 441 total complaints in the last 3 years.
- 140 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:08/30/2025
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 am writing to formally reiterate my request to voluntarily surrender my vehicle to TitleMax. Prior to contacting their corporate office, I attempted to resolve this matter directly with the local storefront. On August 26, 2025, at 4:51 PM, I spoke with Doo at the location, who informed me that although he had spoken with someone from corporate, he would not accept the vehicle as a voluntary surrender. When I asked for next steps, he stated that he did not know what else to tell me.This lack of clarity and refusal to assist contradicts the guidance provided in your message, which directed me to the local office to make arrangements. I have made every effort to communicate proactively and in good faith, yet I have not received any actionable support or direction.I respectfully request that TitleMax honor my voluntary surrender request and provide a clear, documented process for completing this action. I am committed to resolving this matter responsibly and in accordance with the terms of my loan.I would like the company to confirm the appropriate steps and point of contact so that I may proceed without further delay.
Business Response
Date: 09/05/2025
September 5, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by La **** ***** (Complainant). ******** 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 formally requested to voluntarily surrender their vehicle to TitleMax but were refused.
A review of TitleMax records revealed that on October 17, 2023, the Complainant obtained a **** for $1,018.00 at a storefront in ************, **. The Complainant granted a security interest in a 2012 Infiniti G37 with a VIN ending in ******. The **** was contracted to be repaid in one (1) payment of $1,190.96, due November 16, 2023. On October 24, 2023, the Complainant made a payment of $41.00 and refinanced their existing **** of $1,017.36 borrowing an additional $3,000.00.The **** was contracted to be repaid in one (1) payment of $4,579.39, due November 23, 2023. The Complainant extended the **** for thirty (30) days on three (3) occasions.
Between February 22, 2024, and April 30, 2025, the Complainant refinanced their **** on ten (10)more occasions, borrowing an additional $5,630.00 total. During this time, the Complainant extended the **** for thirty (30) days on eight (8) occasions. The most recent refinance was completed on April 30, 2025, in which the Complainant made a payment of $69.04 and refinanced their existing **** of $8,285.23, borrowing an additional $800.00. The **** was contracted to be repaid in one (1) payment of $10,220.88, due May 30, 2025.
Payment history on the most recent refinance indicates there have been three (3) extension payments made on the ****. When the payment was not made on August 28, 2025,the **** entered a past due status. As of the date of this response, the Complainants account currently has a past due balance of $10,523.72 but is subject to change due to interest and/or fees that may be accruing.
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 **************** signing the agreements, the Complainant acknowledged their understanding of the terms and conditions of the pawns.
Regarding the Complainants request to voluntarily surrender their vehicle, please note that the Complainant must bring the vehicle to their local store front and sign a voluntary surrender form acknowledging their request. Please contact your local *************** at ************** to make arrangements if you choose to voluntarily surrender the vehicle or if you have any questions regarding this issue.
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:08/30/2025
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 applied for a pay day loan and immediately realized that it was the wrong bank account. I called cash central and informed them that day, and they said don't worry the bank will send the money back. and it will all be good. This is a complete lie. Cash central is still trying to debit my new debit card with my new bank that isn't even related to the transaction. The manager ***** was completely rude and basically is calling me a liar and offered no resolution. I can't go into ********** because there are none in ********. They wont even mail me a form stating the bank account is closed. Please evaluate the account, I NEVER got the money.Business Response
Date: 09/05/2025
September 5, 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). ****************, ****************, 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 applied for a loan and realized the funds were going to the incorrect bank account. They claim Cash Central is still trying to debit their card for payment despite them never getting the money. They request a billing adjustment.
A review of Cash Central records revealed that on July 22, 2025, the Complainant obtained a loan for $255.00 online, with an effective date of July 23, 2025. The loan was contracted to be repaid in one (1) payment of $299.98, due August 8, 2025.
Payment history indicates there have been no payments made on the loan. When the payment was not made on August 8, 2025, the account entered into a past due status. A payment was attempted but was returned as unsuccessful on August 12, 2025,resulting in a $15.00 Return Fee. As of the date of this response, the Complainants account currently has a past due balance of $314.98 but is subject to change due to interest and/or fees that may be accruing.
It is important to note that at the time of the loan origination, the Complainant signed a Consumer Loan 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 **************** stated in the loan agreement regarding Loan Proceeds: We will disburse the proceeds of the Loan pursuant to the instructions you included in the application you completed and submitted in connection with this Agreement. You authorize us to make these disbursements as requested by you.
By signing the loan agreement, the *********** acknowledged their understanding of the terms and conditions of the loan, including that the funds would be dispersed to the bank account the Complainant provided on their application.
To address the loan proceeds, our records show the loan proceeds were successfully funded to the account on file. **************** attempted to contact the Complainant on two (2) occasions, to advise them to either send in a 30-day bank statement for the account on file showing they did not receive the funds, or to contact the bank to return the funds.
************ believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. We encourage the Complainant to call **************** at ************** for any additional 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:08/23/2025
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 took out a loan for $255 ($300 payable) due to a financial emergency. The due date was the previous week, Aug 14. The arrangement was that if I did not go to the store, the payment would be deducted from my account. The company failed to pay out of my account as of Aug 15. When I went to their site to pay manually, the indication was that the loan WAS paid.
I messaged multiple times to their "customer service" email that they needed to complete the transaction. The messages were ignored.
I was not going to pay manually and then have the payment deducted twice, charging me $600 instead.
On Monday, I received a message that the payment had failed so I went to pay manually and found that they had RAISED THE PRICE.
I paid the agreed upon $300 and the company had ADDED $15. I messaged the company to remove the new extra charges. They ignored my messages and continued to send collection messages as if I was going to essentially GIVE them $15 extra dollars to fix THEIR error. They continuously ignored me and tried to collect anyway.
They were told that if this was not resolved in my favor by Friday Aug 23, I would complain to the BBB.
Business Response
Date: 08/28/2025
August 28, 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).******************, DBA 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 their loan was to be deducted from their account, but the company failed to do so. They state they manually made the $300.00 payment but discovered that the company added $15.00 and are requesting a billing adjustment.
A review of Speedy Cash records revealed that on July 14, 2025, the Complainant obtained a loan for $255.00 online at **********************************. The loan was contracted to be repaid in one (1) payment of $300.00, due August 14, 2025.
At the time of loan origination, the Complainant signed a Deferred Deposit Agreement &Disclosure Statement 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. The documents signed by the Complainant included the Optional Loan Payment Authorization, giving Speedy Cash authorization to process payments electronically through their debit card and bank. By signing the loan agreement, the *********** acknowledged their understanding of the terms and conditions of the loan.
Payment history indicates there has been one (1) payment made on the loan. On August 1, 2025,the scheduled payment of $300.00 was attempted via debit card on file but was declined. An ACH payment was then attempted for the same amount; however, it was returned on August 18, 2025, and the account entered a past due status.Consequently, the account was assessed a $15.00 Return Item Fee which made the total balance owed $315.00. On August 18, 2025, the Complainant made a payment of $300.00 leaving a balance owed of $15.00.
As stated in the signed agreement regarding Returned Check/ACH Authorization Charges;
If, after deposit, your Check/ACH Authorization is returned to us unpaid, you will be charged a one-time returned check charge of $15.00.
Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed or any charges assessed. However, as a gesture of goodwill, on August 27, 2025, Speedy Cash waived the $15.00 Return Item Fee making the balance owed $0.00. Should the Complainant have any additional questions or concerns regarding their account,we encourage them to call our *************************** 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: 08/28/2025
[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,
**** ********Initial Complaint
Date:08/21/2025
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.
BBB transcribed from hard copy complaint form:
I went on 6/10/25 fpr a loan. Everything that was told to me was a lie. ********* told me if I paid double it wouldn't be so much for the lost payment. I did I paid 600 for July & August. However, their still saying I owe ********. I was shocked since I jsut borrow *******. I went in today 8-14-24 and she (*********) called manager. The manager threaten to call police if we didn't leave. Title Max is charging the customer very high interest rate. The total amount they said after paying loan will be ********. This is highway robbery.
Business Response
Date: 08/27/2025
August 27, 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). ******** 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 everything they were told is a lie and were told that if they paid double, the last payment it would not be so much. Despite making payments, they were told they still owe $1,274.16. In addition, they claim that when visiting the store location, they were threatened with police. They request to be offered a better settlement.
TitleMax of ***********, DBA TitleMax is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing, unaffiliated lenders. ******** 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 June 10, 2025, the Complainant obtained a loan for $1,633.00 with First Star Financial, LLC at a storefront in *******,**. The Complainant granted a security interest in a 2010 ***** IS 250 with a VIN ending in ******. The loan was contracted for a total of five (5) payments due monthly beginning July 10, 2025, with the first fees and interest payment being $322.36, followed by three (3) fees and interest payments of $330.41, with a final payment of $2,031.48, which represents the final CSO fee along with the principal and interest to the lender, due November 10, 2025.
A review of the payment history indicates that there have been two (2) payments made on the loan totaling $1,200.00. As of the date of this response, the Complainants account is current with the next scheduled payment due September 10, 2025.
At the time of loan origination, 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 ********************** a ******** representative explained the terms and conditions of the loan. By signing the agreements, the *********** acknowledged their understanding of the terms and conditions of the loan.
As stated in the agreement concerning Interest; Application of Payments; Prepayment:
Interest will accrue daily on the outstanding principal balance. The interest rate is ******% per year. Interest accrues from the Loan Date until the Loan is paid in full. Interest accrues based on the number of days elapsed over a 365-day year. Lender calculates and charges interest,including interest on past due principal, under Chapter 302. If any finance charge or other fee is held invalid, the remainder shall remain in effect.Lender applies payments first to unpaid interest, then to fees, and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I make all payments in full on the specified Payment Due Dates. I will owe less interest to Lender if I prepay the Loan or pay early. If I pay Lender late or do not pay in full, I will owe more interest to Lender. I may prepay this Loan at any time without penalty.
Please note that the Complainant has paid additional amounts on both payments made to date, and $576.34 has been applied directly to their principal balance. In addition, as a result of the larger than minimum payments made, the Complainant has made a significant reduction in their CSO fees, as well as the last payment on the loan. ******** has also posted all payments in accordance with the Application of Payments statement within the agreements.
Concerning the Complainants visit to the storefront, TitleMax endeavors to assist our customers with all of their concerns and provide the best service possible.Thank you for bringing this to our attention. We have forwarded this issue to management who will be taking appropriate action as needed.
TitleMax believes that the conditions of the loans were clearly disclosed and cannot find evidence of any wrongdoing, therefore, a settlement will not be offered. Should the Complainant have any further questions regarding their account, we encourage them to 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
*******************Initial Complaint
Date:08/20/2025
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.
June 16, 2025 I received an installment loan for $2000 from SPEEDY CASH due to circumstances beyond my control. I have had 2 transactions in the past with SPEEDY CASH for lesser amounts to which I paid off rather quickly, both loans were $500 the 1st paid off with only a $12 service fee, the 2nd was a $56 interest charge.
This time around I have had to wait 8 weeks before I had the resources to repay this loan. And in this time frame I have made 7 weekly payments of $176.28 for a total of $1233.96 with a principal balance is $1943.84 as of 8/20. But on 8/13 my principal balance was $1853 and called them to find out what my payoff would be so they knew I would be paying off the loan this week and after making a payment of $176.28, instead of the principal going down or remaining the same. it increased by $90 and I called them to find out why and the representative could not explain why the increase of principal nor inform me what my payoff would be once another payment came out tomorrow that I will have to wait till the payment comes out which very well may increase the payoff even more, and stated will possible be more than the $2000 initial loan after paying SPEEDY CASH $1410.24 in 8 weeks and still owe the $2000 loan amount.
It is totally obvious SPEEDY CASH is gouging me based on my previous transactions and the fact I called them inquiring about payoff amount.I fully understood the high interest rate of 355% when getting the loan.
It is my contention based on previous transactions and informing them when getting the loan I would be paying it off in a short period of time (case and point, increase of $90 in principal after calling and inquiring about payoff on 8/14) that SPEEDY CASH is unfairly gouging me! Proof, will have paid $1410.28 with practically NO reduction in the principal amount of $2000.Besides of not being informed of the interest to principal ratio and is not in the contract, otherwise, would not have taken the loan.
Business Response
Date: 08/25/2025
*****************
Thank you for the opportunity to respond to the complaint
filed by ****** ******** (Complainant).
SCIL, Inc., DBA 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 alleges that Speedy Cash is gouging them, stating that their
principal balance has either increased or remained the same despite making
seven (7) payments toward their loan. They state they were not able to obtain
clarification, claiming that the representative was unable to provide an
explanation. They also state they were not informed of the
interest-to-principal ratio. The Complainant is requesting an explanation of
the charges.
A review of
Speedy Cash records revealed that on June 19, 2025, the Complainant obtained a
loan online for $2,000.00. The loan was contracted to be repaid in twenty-five
(25) weekly payments of $176.28, beginning July 3, 2025, with a final payment
of $176.64, due December 25, 2025. Payment history indicates eight (8) payments
were made on the loan. On August 21, 2025, the loan was paid off in the amount
of $1,785.66.
At the time of
loan origination, the Complainant signed an Installment Loan Promissory Note
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. The agreement includes notices
on Promise to Pay and Payments which state:
“...You promise to pay us the Amount Financed set forth
above, plus interest from the date we disburse funds to you (or credit funds to
your account) on the outstanding Amount Financed at a daily rate of 0.9863014%,
which corresponds to an annual rate of 360.000000% (except in a leap year)
until your Loan is paid in full…” and
“…all payments will be applied in the following order: (i)
accrued interest; and (ii) the outstanding Amount Financed. You have the right
to make payments in excess of those set forth in the Payment Schedule and such
excess payments will likely reduce the amount of interest you owe.”
By signing this
agreement, the Complainant acknowledged their understanding of the terms and
conditions of the loan.
Speedy Cash
encourages customers to use this product as a short-term financial solution and
whenever possible, pay off early to avoid accruing interest. The balance may be
paid back at any time with no penalty for early payoff.
Speedy Cash is
committed to treating its valued customers in a fair, honest, and transparent
manner. Speedy Cash reasonably ensures that its development, delivery, and
servicing of products will not result in an act or practice that is unfair,
deceptive, or abusive. It is important to note that Speedy Cash ensures that
all fees and interest charged are in compliance with all applicable State and
Federal laws and regulations.
Speedy Cash
believes that the conditions of the loan were clearly disclosed and finds no
discrepancy or concern in how the transaction was processed. Should the
Complainant have any additional questions or concerns, we encourage them to
contact Speedy Cash 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,
******** **********
** *** ***
********** ** *****Initial Complaint
Date:08/16/2025
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.
My bank sent a payoff check for my Speedy Cash account in the amount of $730.85 on 7/18/2025. It was cashed and cleared on 7/24/2025. I have been speaking with customer service for three weeks and no one can give me an answer to why it has not been cleared out of my account and the interest has grown over $100. They are now telling me I am in collections even though I have emailed physical proof of the check with the check number and showing that they cashed it. Then, I have multiple recorded phone calls where representatives told me to not pay anything on the account and that they would waive the remainder. It has now been an entire month since the physical check was cashed and I am demanding my balance be cleared. This has gone on long enoughBusiness Response
Date: 08/25/2025
August 25, 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). *********************, DBA 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 their bank sent Speedy Cash a check in the amount of $730.85 on July 18, 2025, to pay off their account. They state the check was cashed and cleared on July 24, 2025, but their account balance has not been cleared. The Complainant is concerned of the growing interest and requests their account be cleared. They also request that they no longer receive phone calls.
A review of Speedy Cash records revealed that on December 2, 2024, the Complainant obtained a Line of Credit with a credit limit of $300.00 online at **********************************,with an initial advance of $300.00. The first payment was due in the amount of $28.16 on December 27, 2024, and the second payment was due in the amount of $38.76 was due on January 10, 2025. Payment history indicates there have been sixteen (16) payments made on the line of credit.
To address the Complainants concern regarding the check, the check was applied to the account on August 25, 2025. The account is now paid in full and reflects a zero balance.For any other questions regarding their account, we encourage the Complainant to contact Speedy Cash 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:08/15/2025
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 got a loan with them before and had no problems. I got another loan at the end of last year for 2500 and the amount I would have to pay would be 3500 but after making payments of 362 a month I noticed that the loan amount is still at the same amount. I feel that what they are scamming me.Business Response
Date: 08/20/2025
*****************
Thank you for the opportunity to respond to the complaint
filed by ******* **** (Complainant). TMX Finance of Florida, Inc., DBA
InstaLoan, 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 feels that they are being scammed as they have been making payments
on their loan but noticed the loan amount is still the same.
A review of
InstaLoan records revealed that on February 10, 2025, the Complainant obtained
a loan for $1,734.55 at a storefront in Tampa, FL. The Complainant granted a
security interest in a 2016 Ford Fusion with a VIN ending in ******. The loan
was contracted to be repaid in one (1) payment of $1,810.80 on March 12, 2025.
However, to the extent the Complainant did not wish to repay the loan in full,
they had the option to pay the outstanding interest and fees, refinance the loan,
and enter into a new agreement. On March 13, 2025, the Complainant made a
payment of $237.76 and refinanced their existing loan of $1,574.75. The loan
was contracted to be repaid in one (1) payment of $1,805.04, due April 12,
2025.
Between March 31,
2025, and August 15, 2025, the Complainant refinanced their loan on six (6)
more occasions, borrowing an additional $1,500.00 total. The current refinance
was completed on August 15, 2025, in which the Complainant made a payment of
$362.45 and refinanced their loan for the remaining balance of $3,074.75. The
loan is contracted to be repaid in one (1) payment of $3,447.53, due September
14, 2025.
At the time of
each loan origination and each 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 Regulation Z. An InstaLoan representative explained
the terms and conditions of the loan upon origination. In addition, the
Complainant completed all refinances using the customer portal, which allows
the user to move at their own pace to ensure full understanding of any and all
documents presented to them prior to signing. By signing the agreements, the
Complainant acknowledged their understanding of the terms and conditions of
each agreement.
InstaLoan
encourages customers to use this product as a short-term financial solution and
whenever possible, pay off early to avoid accruing interest. The balance may be
paid back at any time with no penalty for early payoff.
InstaLoan is
committed to treating its valued customers in a fair, honest, and transparent
manner. InstaLoan reasonably ensures that its development, delivery, and service
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 call Customer Service at
(800) 804-5368 for 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
** *** ***
********** ** *****Customer Answer
Date: 08/27/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: ********
I am rejecting this response because:
Regards,
******* ****Initial Complaint
Date:08/11/2025
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.
Formal Complaint Ongoing Fraudulent Check Cashing and Failure to Resolve
To Whom It May Concern,
I am writing to formally complain about an ongoing fraudulent check cashing issue involving Easy Money store #*** at ********************************************
In November, a case manager notified me that my JobCorp payroll check (#*******) for $583.29, cashed on 07/03/2024, was fraudulently cashed without my permission. I immediately filed a police report and contacted Easy Money corporate, but they claimed they could not locate the check.
After reviewing my police report and a copy of the check, I noticed the store number *** stamped on it. This is the location where I cash my checks and know the staff personally. I visited the store, presented my police report and check copy, and the staff identified the person who cashed the check fraudulently. They also stated this person is still cashing fraudulent checks, including one last week at the Centerpoint location.
I then contacted Easy Money corporate division and spoke with *******, who informed me I would not receive a refund because the check had been deposited. She also said my check is now linked to another thiefs account in their system. The issuer refuses to issue a replacement and insists Easy Money should refund me.
I am deeply frustrated and disappointed with Easy Moneys failure to identify and stop this fraud.
Their lack of proper verification and accountability has caused me financial harm and stress.
If this is not resolved promptly, I will seek legal action and notify the press.
I demand a full investigation, immediate refund of $583.29, and stronger fraud prevention measures to protect customers.
Thank you for your prompt attention.
Sincerely,Rakeria ******
************
08/11/2025
Business Response
Date: 08/15/2025
August 15, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Rakeria ******
(Complainant). Easymoney, a member of the 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 payroll check of $583.29 was cashed fraudulently at an EasyMoney store on July 3, 2024. They have already filed a police report and contacted ********* about the check.They request a full investigation and refund of the check amount.
Easymoney recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Accordingly, the Complainants account has been forwarded to our ************************* who will be in contact with the Complainant. Once the investigation is completed, the Complainant will be notified of the outcome.
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: 08/16/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23731334
I am rejecting this response because: To be absolutely clear, I do not accept EasyMoneys response. This is not just about an investigation this is about a refund. I provided proof, filed a police report, and followed every step I was instructed to do, yet over a year later I still do not have my $583.29.
The individual who cashed my check is still cashing fraudulent checks, which shows that EasyMoneys extensive measures are not working. This is not just my loss its a pattern that has likely affected many other consumers.
If my refund is not issued immediately, I will not hesitate to bring this to the attention of ABC 33/40, WBRC FOX6, CBS 42, and ******, along with consumer protection reporters who cover fraud and negligence cases. I am also prepared to involve an attorney and pursue this through legal channels.
********* has had more than enough time and evidence to resolve this matter. I expect a refund now, not more delays.
Regards,
Rakeria ******Business Response
Date: 08/29/2025
August 29, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by Rakeria ****** (Complainant). Easymoney, a member of the 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.
As stated in our initial response. Easymoney recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Accordingly, our ************************* has been made aware of the situation and is working with the Complainant to resolve this situation.
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: 09/02/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23731334
I am rejecting this response because:
In response to the BBBs request, I do not accept Easy Moneys response as a resolution to my complaint.
My reasons are as follows:
The companys response was generic and vague. They only stated that their ************************* is aware and working with me, but they did not provide any specific details about what has been done or what outcome I should expect.
I have not received meaningful communication or resolution from Easy Money since filing this complaint. Their reply does not explain how the issue occurred, what steps are being taken to fix it, or provide a timeline for closure.
I previously expressed directly to Easy Money that they could reimburse me the funds that were wrongfully taken. To date, they have not reimbursed me, nor have they even addressed this request in their response. This makes it clear they are attempting to avoid financial accountability and are sidestepping the actual issue.
The company has failed to provide documentation, accountability, or a direct point of contact who is handling my case. Without that, I cannot trust that the matter is being taken seriously.
Because of these reasons, I consider the issue unresolved. I am asking the BBB to keep this complaint open until Easy Money provides:
A clear explanation of what happened.
A written update of actions being taken and a timeline for resolution.
Full reimbursement of the funds owed to me.
A direct contact in their ************************* who is accountable.
If Easy Money continues to avoid resolving this matter, I will have no choice but to escalate the issue to the Consumer Financial ***************** (CFPB) and the ************************ (***) for further review and investigation.
Until these conditions are met, I respectfully decline to accept their response.
Sincerely,
Rakeria ******Customer Answer
Date: 09/03/2025
Re: Complaint Against Easy Money (Community Choice Financial)
Dear ********* ********** and the BBB Dispute Resolution Team,
Thank you for your update regarding my complaint. I would like to clarify a few key points, because I do not agree that Easy Money is working with me to resolve this situation.
Since filing this complaint, I have not received meaningful communication or resolution from Easy Money. Their only statement was that their ************************* is aware, but I have not been provided any real update, documentation, or direct contact information.
I previously requested that Easy Money reimburse the funds that were wrongfully taken. To date, they have not reimbursed me nor have they addressed this request in any of their responses.
Their vague language appears to be an attempt to avoid financial responsibility and drag out the complaint without providing a clear outcome.
Because of these reasons, I ask that the BBB keep this case active and not close it as resolved.I am fully prepared to escalate this matter to the Consumer Financial ***************** (CFPB) and the ************************ (***) if Easy Money continues to avoid reimbursing me and refuses to provide a clear resolution.
Thank you for your continued assistance.
Sincerely,
Rakeria ******Business Response
Date: 09/10/2025
September 10, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by Rakeria ****** (Complainant). Easymoney, a member of the 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.
A review of our records indicates that our ************************* has been able to validate the claim of identity theft and has relieved the Complainant of any liability regarding this debt. The account has been closed and ********* will cease collection efforts. In addition, on September 5, 2025, a refund check of $583.29 was mailed to the Complainant. No further compensation will be provided.
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: 09/10/2025
[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,
Rakeria ******Initial Complaint
Date:08/06/2025
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.
Was not informed of the pay back amount which was over $1200 a month, not allowing me to pay rent or my other bills, when I went in to review the loan summary to see what the payment amount was going to beBusiness Response
Date: 08/11/2025
August 11, 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).***************, DBA Speedy ****, 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 were not informed of the monthly payment amount. They are requesting contact from the business.
*************** DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.
A review of Speedy **** records revealed that on July 26, 2025, the Complainant obtained a loan online for $2,365.00 with First Star Financial, LLC. The loan was contracted to be repaid in twelve (12) bi-weekly payments of $621.47, beginning August 8, 2025, and a final payment of $621.56, due January 23, 2026.
At the time of the loan origination, the Complainant signed a Promissory Note 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 ************************** the loan was completed by the Complainant using Speedy ****s 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 Complainant acknowledged their understanding of the terms and conditions of the loans.
Payment history indicates there have been no payments made on the loan. The Complainant currently has a balance of $2,851.08 but is subject to change due to interest and/or fees that may be accruing. The balance may be paid back at any time with no penalty for early payoff. It is important to note that the account will enter a past due status if the minimum payment is not received on the scheduled due date.
Speedy **** believes the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing. Should the Complainant have any further questions or concerns we encourage them to contact Speedy **** 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: 08/20/2025
I have requested 4 times now the documents that I signed as well as any disclosures stating they do these kinds of loans. I applied for a $300 loan and they came back with the 2365 and the payments on this loan would not allow me to pay my bills or my rent that if they looked at my application they would have seen that. I ask this if they are telling you I signed such documents why are they refusing to send them to me. They are charging over 500% interest which I would have never agreed to. I did receive two documents, one was an application and the other was a consent form. I did not know what the interest was and how much the payments would be because they never sent that to me. I am in the process of filing a civil action against them for violations of the Texas Deceptive Trade Act.Business Response
Date: 08/28/2025
August 28, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by **** ***** (Complainant). ***************, DBA Speedy ****, 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 requested their documents, and the lender has refused to send them. They advise the monthly payment interferes with their ability to pay other bills and claim they are being charged interest that they would have never agreed to. They also claim they were unaware of the interest and payment amounts, alleging that this information was never sent to them.
*************** DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.
A review of Speedy **** records revealed that on July 26, 2025, the Complainant obtained a loan for $2,365.00 online with First Star Financial, LLC. The loan was contracted to be repaid in twelve (12) bi-weekly payments of $621.47, beginning August 8, 2025, with a final payment of $621.56, due January 23, 2026.
At the time of the loan origination, the Complainant signed a Promissory Note 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 ************************** the loan was completed by the Complainant using Speedy ****s 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 Complainant acknowledged their understanding of the terms and conditions of the loans.
Payment history indicates there have been no payments made on the loan. The Complainant currently has a balance of $2,851.08 but is subject to change due to interest and/or fees that may be accruing. The balance may be paid back at any time with no penalty for early payoff. It is important to note that the account will enter a past due status if the minimum payment is not received on the scheduled due date.
Speedy **** believes the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing. Contrary to their statement, our records indicate their documents were sent via email on August 4, 2025. As per the Complainants request, we have sent a copy of the loan documents to the address on file. Should the Complainant have any other questions or concerns, we encourage them to contact Speedy **** 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:08/02/2025
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.
Alright so i obtained a 400 dollar title loan with this company. I understand the legitimacy behind the loan and etc.
However from day one I have been unable to access the loan via there online help forcing me to call and request info ?? on top off that there system refused to accept my bank.
I have since moved and my state does not allow them operating here and I have tried going to other stores where they claim it must go to that store at which they inform me my card won't work with them.
Ok so my 400 dollar loan i could have paid off a long time ago has since became a massive loan. One which makes me unable to sell my vehicle and our trade it.
So a temporary loan became long term with a criminally large interest. That i cant even access our pay.
I would like this repaired pls as I have requested resolution with the company with little to no help.
Business Response
Date: 08/08/2025
August 8, 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).******************************, 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 have been unable to access the loan online, forcing them to call and request information. They state that they have moved states,and their bank information is not accepted when they attempt to pay in store.They state the loan could have been paid off but due to this, it has become a massive loan and request for this to be repaired.
A review of TitleMax records revealed that on February 3, 2025, the Complainant opened a line of credit with a credit limit of $400.00 at a storefront in *******, **, with an initial advance of $400.00. The Complainant granted a security interest in a 2010 Chrysler Sebring with a VIN ending in ******. The first payment of $53.40 was due on March 7, 2025, and a second payment of $95.21 was due on April 7,2025.
Payment history indicates the Complainant has made two (2) payments in the total amount of $160.00 toward the outstanding balance. The account entered a past due status after payment was not made on May 7, 2025. As of the date of this response, the Complainants account currently has a past due balance of $701.29 but is subject to change due to interest and/or fees that may be accruing.
At the time of the line of credit origination, the Complainant signed a Secured Line of Credit Account Opening Disclosures and Account Opening Acknowledgement that clearly discloses the annual percentage rate in accordance with the Federal Truth-in-Lending Act and Regulation Z. The balance may be paid back at any time with no penalty for early payoff. Further, customers may cancel the agreement by returning the check by which TitleMax disbursed the line of credit proceeds or an equivalent amount of cash to us by the close of business on the business day following the date of the agreement.
Concerning the online issues, TitleMax is not aware of any issues with the online portal at this time. Please note the online portal is a convenient option offered, however, customers who are not able to view their account online should visit their local store location where they originated their line of credit.
To address the issue with the bank account, upon review, we did not find any information pertaining to the ***************** information not being accepted.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. TitleMax strives for excellent customer service and remains willing to work with the Complainant to assist them in paying back their loan. We encourage the Complainant to contact TitleMax ************** to establish a mutually acceptable repayment arrangement for this 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
*******************
Community Choice Financial, Inc. is BBB Accredited.
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