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.
- 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:09/30/2024
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 was not thoroughly explained about the loan. She took advantage of me and I been paying over a year on time. I paid more fees than anything. Nothing going towards principle. I called and she told me I can borrow more online but the 1100 I am paying is all towards fees. I requested several times for someone to work with me and she tells me I already have a low rate. I trusted them. I am pregnant and have a little baby and they took advantage of me. I will sue as I can't afford this. I am thinking about filing bankruptcy. They ruin my life and I will get justice. They rushed me with filling out paperwork for money.
Business Response
Date: 10/03/2024
October 3, 2024
Better
Business Bureau
1169
Dublin Road
Columbus,
OH 43215
RE: BBB Complaint ID 22354649
BBB
Dispute Resolution Team:
Thank
you for the opportunity to respond to the complaint filed by ***** ******* (Complainant). TitleMax
of Georgia Inc. 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
loan was not thoroughly explained to them and they feel they were taken
advantage of, as they were rushed to fill out the loan paperwork. The
Complainant claims they have been making payments for their loan for over a
year, however the payments are only being applied toward fees and not toward
the principal amount borrowed.
A review of
TitleMax records revealed on November 20, 2023, a pawn transaction was obtained
in the principal amount financed of $5,018.00 at a storefront in Roswell, GA.
The Complainant granted a security interest in a 2014 Chevrolet Silverado 1500
with a VIN ending in ******. The pawn
was contracted to be repaid in full in the amount of $5,569.48 on December 20,
2023. However, to the extent the Complainant chose not to pay the pawn in full,
they could at a minimum pay the pawnshop charge and fees and extend the pawn. On
December 14, 2023, the Complainant made a payment of $600.00. On December 19,
2023, they refinanced their existing pawn of $4,969.48 and borrowed an
additional $2,500.00. The pawn was contracted to be repaid in full in the
amount of $8,215.68, on January 18, 2024.
Between December
19, 2023, and September 18, 2024, the Complainant refinanced their pawn on
several occasions, borrowing an additional $12,721.00 total. The last refinance
was completed on September 18, 2024, in which the Complainant made a payment of
$1,000.00 and refinanced their pawn for the remaining balance of $9,596.28,
borrowing an additional $1,421.00. The pawn is contracted to be repaid in full
in the amount of $11,017.28, on October 18, 2024.
Please note the
Complainant entered into a thirty (30) day transaction with TitleMax. Under a thirty (30) day transaction, the
expectation is for the customer to pay in full on or before the expiration of
the thirty (30) day term. Rather than
paying the balance in full, however the Complainant subsequently elected to pay
any pawnshop fees, refinance the pawn (at times adding funds), and enter into a
new transaction for an additional thirty (30) days on each occasion,
thereafter, thereby accruing additional charges. At the time of pawn origination, the
Complainant signed a Pawn Ticket 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. In addition, the agreement includes notices on Funding;
Prepayment, Payments, and Application of Payments; Renewal which states, in
part:
“We apply payments
first to the outstanding Pawnshop Charge and then principal. If you do not
redeem the Vehicle, you may request that we enter into a new pawn transaction
with you. We may agree to do so in our discretion. As a condition to entering
into a new pawn transaction with us, you must pay the then outstanding Pawnshop
Charge (including any charges accrued after the Maturity Date, as described in
Section 6 below), satisfy Lender’s applicable underwriting criteria, and enter
into a new Pawn Ticket and Security Agreement with Lender.”
By signing the
pawn agreements, the Complainant acknowledged their understanding of the terms
and conditions of the loans.
TitleMax believes
that the conditions of the pawn were clearly disclosed and cannot find any
evidence of wrongdoing. 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,
BSG
– Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 10/10/2024
In the store I was not aware paying pawn amount first. This isn't the store this is someone in a office who was not there. I am highly upset as they are trying to take my vehicle because nothing is going towards what I need it too.
Regards,
***** *******Business Response
Date: 10/16/2024
**************
Thank you for the opportunity to respond to the complaint
filed by ***** ******* (Complainant). TitleMax of Georgia, Inc. DBA TitleMax, 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 rejects our original response,
stating they were not aware of paying the pawn amount first. The Complainant
claims TitleMax is trying to recover their vehicle as they believe their
payments are not being applied according to their inclination.
As previously outlined, a review of TitleMax records
revealed on November 20, 2023, a pawn transaction was obtained in the principal
amount financed of $5,018.00 at a storefront in Roswell, GA. The Complainant
granted a security interest in a 2014 Chevrolet Silverado 1500 with a VIN
ending in ******. The pawn was contracted to be repaid in full in the amount of
$5,569.48 on December 20, 2023. However, to the extent the Complainant chose
not to pay the pawn in full, they could at a minimum pay the pawnshop charge
and fees and extend the pawn. On December 14, 2023, the Complainant made a
payment of $600.00. On December 19, 2023, they refinanced their existing pawn
of $4,969.48 and borrowed an additional $2,500.00. The pawn was contracted to
be repaid in full in the amount of $8,215.68, on January 18, 2024.
Between December 19, 2023, and September 18, 2024, the
Complainant refinanced their pawn on several occasions, borrowing an additional
$12,721.00 total. The last refinance was completed on September 18, 2024, in
which the Complainant made a payment of $1,000.00 and refinanced their pawn for
the remaining balance of $9,596.28, borrowing an additional $1,421.00. The pawn
is contracted to be repaid in full in the amount of $11,017.28, on October 18,
2024.
As previously stated, the Complainant entered into a thirty
(30) day transaction with TitleMax. Under a thirty (30) day transaction, the
expectation is for the customer to pay in full on or before the expiration of
the thirty (30) day term. Rather than paying the balance in full, however the
Complainant subsequently elected to pay any pawnshop fees, refinance the pawn
(at times adding funds), and enter into a new transaction for an additional
thirty (30) days on each occasion, thereafter, thereby accruing additional
charges. At the time of pawn origination, the Complainant signed a Pawn Ticket
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.
The Complainant’s pawn is contracted to be repaid in full in
the amount of $11,017.28 on October 18, 2024. As the account is currently in
good standing, no recovery efforts exist.
No new allegations were made regarding the issue at hand;
therefore, TitleMax's response to their original complaint stands.
TitleMax believes that the conditions of the pawn were
clearly disclosed and cannot find any evidence of wrongdoing. 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 the Better Business Bureau require further explanation, we may
be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
Customer Answer
Date: 10/16/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 22354649
I am rejecting this response because: the same thing is being stated. Nobody went over that the money I am paying monthly on time is not going towards my balance. I would of never reborrowed. Like it doesn't make sense. I will get a lawyer before I allow them to take my truck. They need to be stopped. I am going to the news on Friday my day off and have them analyze this.
Regards,
***** *******Customer Answer
Date: 10/29/2024
I was not explained thoroughly about interest unless I would of never borrowed more. I am waiting on my local news to call me back as something will be done. They are robbing me and nobody explained this. Corporate saying they did but corporate wasn't there. I will keep going until i get this resolved..Initial Complaint
Date:09/23/2024
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.
3 years ago pawned my title, and Ive been paid the balance off, but theyre still making me pay & Ive been stuck paying them for yearsBusiness Response
Date: 09/27/2024
September 27, 2024
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 the ***************************** 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 pawned their title and paid the **** off; however, Titlemax still requires payment. They further allege they have been paying TitleMax for years. They are requesting a refund of $2,000.00
A review of TitleMax records revealed that on March ******, a **** was obtained in the principal amount financed of $518.00 at a storefront in ***********, **. The Complainant granted a security interest in a 2007 **** F150 with a VIN ending in A04635. The **** was contracted to be repaid in full in the amount of $626.73 due on April 3, 2022. Pursuant to the terms of the agreement, the Complainant agreed to pay the entire balance due on the **** on or before the due date, or, to the extent they chose not to repay the entire balance, they could, at a minimum, pay the **** shop charges and renew the **** for an additional thirty (30) days. On March 7, 2022, the Complainant made a payment of $10.87 and refinanced their existing **** of $518.00, borrowing an additional $1,025.00. The **** was contracted to be repaid in full in the amount of $1,820.59, due on April 6, 2022. When the payment was not received,the account went into past due status. Due to continued non-payment, on May 25th,2022, the vehicle was repossessed. On May 28th, 2022, the Complainant made a payment of $521.00, releasing the vehicle and refinanced the **** for $1,542.47,which was contracted to be repaid in full in the amount of $1,819.96 due on June 27, 2022. No additional payments have been made to date.
At the time of **** origination, 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 **************** addition, the agreement includes notices on Extension and Continuation which states:
The initial term of the **** is 30 days, and the **** may be extended and continued for additional 30-day periods with the agreement of Pledgor and Pawnbroker. We may agree to extend the Maturity Date at our discretion. As a condition to extending the Maturity Date, for the initial extension and each subsequent extension, you must pay an amount equal to the then outstanding Pawnshop Charge (including any charges accrued after the Maturity Date, as described in Section 7 below), and (b) satisfy Pawnbrokers applicable criteria for extensions. If you do not request additional funds as part of your extension request, then the original **** will be continued.
Under the 30-day **** model, it is the expectation of the customer to pay the **** on or before the due date. However, instead of paying the full amount due, the Complainant chose to refinance, make the minimum payment (or not make a payment at all), thereby incurring additional fees. Therefore, the balance has not been paid off and the Complainant was only making minimum payments to renew the ****. By signing this agreement, the Complainant acknowledged their understanding of the terms and conditions of the ****.
TitleMax believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Therefore, no refund will be issued.
We hope that we have fully addressed the complaint.Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ************************************Initial Complaint
Date:09/19/2024
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 made a payment and it has cleared b my bank. The company stated the did not receive but I made the payment on there website I have provided multiple forms of resources to show if clear and they still to not what to take the paymentBusiness Response
Date: 09/26/2024
September 26, 2024
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 22311337
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint
filed by Erika Barnes. (Complainant). A Speedy Cash Car Title Loans, LLC, 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 alleges to have submitted a
payment, however it has not posted to their loan. The Complainant claims the
payment has cleared their bank account and to have provided multiple forms of
resources as proof. The Complainant is requesting to apply payment to their
loan.
A review of CheckSmart records reveals that on April 5,
2023, a single pay loan was obtained in the principal amount financed of
$400.00 at a storefront in Tempe, AZ. The Complainant granted a security
interest in a 2016 Volkswagen with a VIN ending in 373620. The loan was
contracted to be repaid in full in the amount of $422.35 due on April 15, 2023.
On April 15, 2023, the Complainant made a payment of $50.00 and refinanced
their existing loan of $372.35. The loan was contracted to be repaid in full in
the amount of $401.48, due on April 29, 2023.
Between April 29, 2023, and July 31, 2023, the Complainant
refinanced their loan on five (5) more occasions, borrowing an additional
$446.37. The final refinance was completed on December 19, 2023, in which the
Complainant made a final payment of $15.19 and refinanced their loan for the
remaining balance of $759.85. This installment loan was contracted to be repaid
in twenty-three payments of $84.99 due semi-monthly beginning on December 31,
2023, and a final payment of $85.01 due on December 15, 2024.
A review of the payment history on the most recent refinance
indicates we received the payment of $84.99 on September 15, 2024.
Unfortunately, due to a processing error, this payment was not reflected on the
Complainant’s account and has since been corrected. We apologize for any
inconvenience this may have caused. If the Complainant has any further
questions regarding their account, we encourage them to contact CheckSmart at (800)
856-2911.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
5165 Emerald Pkwy #100
Dublin, OH 43017Customer Answer
Date: 09/27/2024
They have not corrected the account. I received a call yesterday about my account be past due. So I am forced to make a double payment because the still refuse to have to account balance reflect correctlyCustomer Answer
Date: 09/27/2024
They have not corrected the account. I received a call yesterday about my account be past due. So I am forced to make a double payment because the still refuse to have to account balance reflect correctlyCustomer Answer
Date: 09/27/2024
They have not corrected the account. I received a call yesterday about my account be past due. So I am forced to make a double payment because the still refuse to have to account balance reflect correctlyCustomer Answer
Date: 09/27/2024
They have not corrected the account. I received a call yesterday about my account be past due. So I am forced to make a double payment because the still refuse to have to account balance reflect correctlyCustomer Answer
Date: 09/27/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 22311337
I am rejecting this response because:
They still have not updated my account. I recently ever a call yesterday about a due balance. For them to take all this time and still not correct the issue is upsetting. Now today I have to make two payment with impacting my financially, also what about the extra interest accrued on the account because the messed up.
Regards,
Erika BarnesBusiness Response
Date: 10/09/2024
October 9, 2024
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 22311337
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint
filed by Erika Barnes. (Complainant). A Speedy Cash Car Title Loans, LLC, 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.
Within their rebuttal they indicate their account was not
updated. We apologize for any inconvenience this may have caused. As of the date of this response, the account
shows the $84.99 payment of September 15, 2024. Additionally, in an effort of
good faith, we have applied a $94.49 rebate to their account. If the
Complainant has any further questions regarding their account, we encourage
them to contact CheckSmart at (800) 856-2911.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
5165 Emerald Pkwy #100
Dublin, OH 43017Initial Complaint
Date:09/18/2024
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 a loan in the amount of $2500 from Instaloan using my 2010 Honda CRV as collateral and gave them my title too in October 2022.
I was told that my payments went by my income. I was told to pay $200 per month, but to try to pay more to bring my payments down. I've have paid
consistently on this loan since that time until now.
We relocated to Maryland in October 2023, and I still make my payments each month. During July of 2024, I decided to make 2 payments in hopes of trying to get out of the interest and into the actual principle and even spoke with the manager ****** about it. At that time before the 2 payments, the amount owed was $2889.
When I asked him how long it would
take for me to get to paying the principle, he told me that each $100 dollars I pay over $100 goes towards the principle amount.
Upon calling to see the amount of my payment for September, I was told it was $300, and was told that their interest rates went up.
I responded that the notice I received stated interest would increase by 36% for new loans and refinanced ones made on or after August 15, 2024, which should not have affected me.
Jayloub got on the phone and explained that whoever told me the info I had about the loan payments was wrong and that unless I pay the original amount of $2500 all at once, it didn't matter how much I paid each month, none of it would go towards the principle amount. I became angry and told them that I'm surrendering my vehicle because at this rate, I would never be able pay it off.
No one has come to pick the vehicle up. At this point, it is parked in front of my home with the key inside, so that it can be retrieved.
I'm in need of someone to review my case to ensure fair practices were followed.
Thanks,
****
I relocated to Maryland inBusiness Response
Date: 09/24/2024
***********
Thank you for the opportunity to respond to the complaint
filed by **** ******* (Complainant).
TMX Finance of Florida, Inc. DBA InstaLoan, a member of the CCF Intermediate
Holdings LLC 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 questions
how their payments were applied to their loan.
A review of InstaLoan records
revealed that on October 27, 2022, a single payment loan was obtained in the
principal amount of $1,721.05 at a storefront in Jacksonville, FL. The
Complainant granted a security interest in a 2010 Honda CR-V with a VIN ending
in 001095. The loan was contracted to be repaid in full in the amount of
$1,789.41 on November 27, 2022. However, to the extent they chose not to repay
the entire balance, they could, at a minimum, refinance payment and enter into
a new loan agreement. On November 28,
2022, the Complainant made a payment of $216.07 and refinanced their existing
loan of $1,574.75. The loan was contracted to be repaid in full in the amount
of $1,715.45 on December 29, 2022.
Between December 27, 2022, and
August 18, 2024, the Complainant refinanced their loan 20 times borrowing an
additional $1,000.00 total. The last and final
refinance was completed on August 18, 2024, in which the Complainant made a
payment of $224.05 and refinanced their loan for the remaining balance of
$2,391.36. Our records show the Complainant voluntarily surrendered the vehicle
on September 17, 2024.
At the time of loan
origination, the Complainant signed a Consumer Finance Loan 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. It is important to
note, under the single pay loan model, it is the expectation of the customer to
pay the loan on or before the due date.
However, instead of paying the full amount due, the Complainant chose to
make smaller payments thereby incurring additional fees. As indicated in the Interest; Application
of Payments; Prepayment section of the agreement:
“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 Date. 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.”
By signing the loan agreements,
the Complainant acknowledged their understanding of the terms and conditions of
the loans. As previously mentioned, the loan obtained by the Complainant is a single
pay loan. The Complainant has yet to make a payment in full for any loan, but
rather has chosen to make small payments and refinance the remaining
balance.
InstaLoan
is committed to treating its valued customers in a fair, honest, and
transparent manner. InstaLoan reasonably ensures that its development,
delivery, and servicing of products will not result in an act or practice that
is unfair, deceptive, or abusive.
InstaLoan believes that the
conditions of the loan were clearly disclosed and cannot find any evidence of
wrongdoing. Should the Complainant have any further questions regarding their
account we encourage them to contact InstaLoan at (800)804-5368.
We **** that we have fully
addressed the complaint. Should the Complainant or the Better Business Bureau
require further explanation, we may be reached at [email protected].
Sincerely,
BSG – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 09/25/2024
I accept the business's response to resolve this complaint.
Regards,
**** *******Initial Complaint
Date:09/18/2024
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.
A check in the amount of $1501.83 was issued by mail when green dot replaced insight company to return funds because change in investors. Once check was received check was torn by accident and therefore cannot be cashed. Checks Mart was notified of situation at store on *********** in ********** 1800 number was given to insight which is now green dot. Over the last 2 weeks Checks Smart, Insight, and Green Dot has been contacted multiple times and each place keeps blaming the other to be the responsible one to replace check. Has even went up to, per checks smart customer service, district manager twice. This is all that has been going on for 2 weeks and nothing is getting accomplished and check getting replaced.Business Response
Date: 09/24/2024
September 24, 2024
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Mr. ****** ***** (Complainant). CheckSmart, 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 they accidentally ripped and therefore are unable to cash a reimbursement check issued from Green Dot in the amount of $1,501.83. The Complainant states they have not been able to obtain a replacement check from Insight, Green Dot, or CheckSmart. The Complainant requests a replacement check to be issued.
We apologize for the confusion, but whereas Green Dot was the issuer of the check, Green Dot would be responsible for issuing a replacement check. While CheckSmart assists customers with Green Dot services,we are unaffiliated and would not be able to issue a check. CheckSmart encourages the Complainant to contact Green Dot reachable at **************.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
BSG Consumer Complaints
**********************
*********************;Customer Answer
Date: 09/25/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 22304921
I am rejecting this response because:I have been in contact with green dot multiple times and no one, including Checksmart, in which Checksmart is who I do business with. Which Checksmart as I am their customer, after trying to address other companies on my own, should take over and have the issue resolved. It is Checksmarts responsibility to address the situation especially since their customer can not get any progress made. Green Dot is Checksmarts customer not myself. In conclusion *************************** is responsible for accomplishing a solution
Regards,
****** *****Initial Complaint
Date:09/18/2024
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 made loan payment on 9/15, and it still has not posted to my loan, although my account shows the money has been debited from my bank account. The company wants me to get additional proof, even though I showed the money was debited using my banking app. I even have a text message stating payment confirmation.Business Response
Date: 09/24/2024
September 24, 2024
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE:
BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the
complaint filed by ******* **** (Complainant). ********* ****** ********l® (CCF) 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 made a
payment on September 15, 2024, and it has not been posted to their account even
though the money has been debited from their bank account. The Complainant is
disputing the payment amount of $264.54. They’d like a billing adjustment and
to be contacted by ********.
A review of ******** records revealed that on December
30, 2023, a installment loan was obtained in the principal amount of $1,020.50
at a storefront in ** ****** **. The TS 10-2-24 called business left vm and complaint # granted a security interest in
a 2002 ****** ******* with a VIN ending in ******. The loan was contracted to
be repaid in full in twenty-three (23) payments of $178.98 due monthly
beginning on February 1, 2024, and a final payment of $177.02 due on January 1,
2026. On February 8, 2024, the Complainant refinanced their existing loan of $980.11
and borrowed an additional $500.00. The loan was contracted to be repaid in
twenty-three (23) payments of $265.54 due monthly beginning on March 16, 2024,
and a final payment of $264.09 due on February 16, 2026.
A review of the payment history shows the debit card
payment made by the Complainant did not post to their account. However, a cash
payment was received on September 18, 2024. As of the date of this response,
the Complainant’s account is currently in good standing. If the Complainant feels all payments have
not posted to their account, they are encouraged to provide any documentation
of the same to ****************************. Upon receipt we will review their claims.
We hope that we have fully addressed the complaint.
Should the Complainant or the Better Business Bureau require further
explanation, we may be reached at ****************************.Customer Answer
Date: 10/01/2024
[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: Although the matter has been resolved, the company is lying about the resolution. I had to contact my bank and get a letter to show the payment had been debited from my account. I never made a cash payment on the 18th of September. I had to use my time to figure out their mistake. I would like for this not to happen again. I showed the text message from the company, and I even showed my banking information on my phone trying to show that I had made my payment early. I want the company to correct whatever happened on their end.
Regards,
******* ****Initial Complaint
Date:09/18/2024
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 had a title loan out on my car I ended up owing a payment of $1600 so they picked my car up in the middle of the night and it a week later on August 29. I paid what I owed to get my car back from TitleMax. They told me it was at an auction so I went to the auction to pick my car up before I even got into my car, I took pictures of the damages that they put on my vehicle. I have a 2017 discovery it was absolutely no damages to my car when they picked my car up now my car is completely damaged in each of the businesses are blaming each other and no one is trying to help cover the damages that was done in my car .Customer Answer
Date: 09/18/2024
Hello. Good morning. My name is Shakofia *******. Again, my name is Shakofia, H-O-D-N-E-C-T. My phone number is ************, again, ************. I'm calling on behalf of a complaint that I put in online, but it was saying that I needs a little bit more help with the case, so if possible, to give you a call back so we can get started on it. Thank you.Business Response
Date: 09/23/2024
*******************
Thank you for the opportunity to respond to the complaint
filed by ******** ******* (Complainant). Community Choice Financial® (CCF) 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 when they
went to pick up their vehicle from the auction, they noticed damages to the
vehicle. They further state both businesses are blaming each other, and no one
is trying to help cover the damage.
A review of TitleMax records revealed on April 17,
2024, a 30-day pawn was obtained in the principal amount of $2,518.00 at a
storefront in Lilburn, GA. The Complainant granted a security interest in a
2017 Land Rover Discovery Sport with a VIN ending in ******. The pawn was
contracted to be repaid in full in the amount of $2,945.81 due on May 17, 2024.
Or to the extent they chose not to repay the entire balance; they could pay the
minimum pawnshop charges and extend the pawn and additional 30 days. On May 13,
2024, the Complainant made a payment of $370.77 and refinanced their existing
pawn of $2,518.00, borrowing an additional $2,100.00. The pawn was contracted
to be repaid in full in the amount of $5,310.24, due on June 12, 2024. Due to
no payments received, on August 13, 2024, the vehicle was repossessed. On
August 23, 2024, the Complainant then made a payment of $1,319.49, refinanced
their pawn for the remaining balance of $4,618.00 and redeemed their vehicle.
The pawn is contracted to be repaid in full in the amount of $5,195.25 due on
September 22, 2024.
Regarding the
alleged damage to the Complainant’s vehicle done by the repossession company,
please note TitleMax is actively investigating the issue with its third-party
recovery vendor and have forwarded their claim to the proper members of
management for further investigation. Should any evidence of improper towing
procedures be discovered, the Complainant will be contacted directly for
remediation. We encourage the
Complainant to contact TitleMax at ###-###-#### if they have any additional
questions regarding their pawn.
We hope that we have fully addressed the complaint.
Should the Complainant or the Better Business Bureau require further explanation,
we may be reached at ****************************Customer Answer
Date: 10/25/2024
Consumer called BBB - did not get business response - reopened and re-sent to email verified as correctCustomer Answer
Date: 10/25/2024
[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:09/16/2024
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 have a loan with TitleMax and I made a split payment online on 9/11/2024. The first one was for the interest ($49.90) and the second one ($50.10) was supposed to be applied to the principal amount, but they were both applied to the interest rate, meaning the last transaction was applied to the following month's interest, which should not be done because the amount reduces if payments are made on time, and I was charged an additional $50.10. In total, $150. TitleMax claim that this was supposed to have been a credit instead of an additional charge but I do not have any proof of that.After speaking with management at the location where I received the loan and going back and forth with the corporate office about getting an adjustment or a refund, all I was receiving was lies and misinformation. I was told that I will be refunded, the second amount that was not applied to the principal, however, they begin speaking to the manager of the location and telling her that they will not adjust anything because they have already credited my account. I submitted proof of the additional charges and letting them know that there was no credit applied by submitting a screenshot from my bank and they will still reluctant. They continued to argue and tell multiple lies as if they were going to refund it immediately, they caused me a major financial setback, and they are still refusing to help me. I'm trying to get with my bank which is also a difficult situation. Therefore, I ask that you all ************ add, the store manager was only relaying information from the the corporate office, she tried to explain the situation, but as I mentioned, they were reluctant, therefore, I don't believe she's at fault.Business Response
Date: 09/20/2024
September 20, 2024
Better Business Bureau
************************************************************************
RE: BBB Complaint ID ********BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ******* (Complainant). Community Choice Financial (CCF) 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 *******, they made two payments with the first payment of $49.90 intended to be applied to the interest, and the payment of $50.10 intended to be applied to the principal. However, they allege both payments were applied to the interest.The Complainant further claims even though they were advised the second transaction would be refunded, they have provided a screenshot from their bank.
A review of TitleMax records revealed that on July 17, 2024, a **** was obtained in the principal amount financed of $268.00 at a storefront in ******,**. The Complainant granted a security interest in a ************************************** ******. The loan was contracted to be repaid in full in the amount of $326.93 on August 16, 2024. Pursuant to the terms of the Agreement, the Complainant agreed to pay the entire balance due on the **** on or before the due date, or, to the extent they chose not to repay the entire balance, they could, at a minimum, pay the **** shop charges and renew the **** for an additional thirty (30) days. Over the life of the ****, the Complainant extended the **** twice with the most recent occurring September 11, 2024. On this date the Complainant attempted two payments of $49.90 and $50.10 respectively; however, the latter transaction was processed and ultimately voided.
The Complainant entered into a thirty (30) day transaction where the expectation was for the customer to pay in full on or before the end of the term. However, instead of paying the total in full,they elected to extend the **** an additional thirty (30) days; thereby accruing additional fees. As outlined in the Initial Term; Extension and Continuation paragraph of the **** agreement,which states, in part,As a condition to extending the Maturity Date, for the initial extension and each subsequent extension, you must pay an amount equal to the then outstanding Pawnshop Charge (including any charges accrued after the Maturity Date, as described in Section 7 below), and (b)satisfy Pawnbrokers applicable criteria for extensions. If you do not request additional funds as part of your extension request, then the original **** will be continued.
As such, when the Complainant made two payments on September 11, 2024, both payments were correctly applied toward outstanding pawnshop charges for the **** as they were separate transactions. Unless the **** is paid in full, each payment will include the pawnshop charge. The Complainant will achieve a reduction in the principal of the ****, if the payment is greater than the pawnshop fee. By signing this agreement, the *********** acknowledged their understanding of the terms and conditions of the ****.
In response to the Complainants concern that they feel no one is willing to assist them with their issue, TitleMax endeavors to assist our customers with all their concerns and provide the best service possible. We do apologize for any inconvenience this situation may have caused and in an effort to work with the Complainant, we voided the transaction the same day the payment was processed. If the Complainant has any evidence showing the transactions was not reversed, they are asked to submit any documentation to ************************************. Upon receipt of the same, we will review their claim.As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, the request for a refund of $150.00 will not be made at this time. We encourage the Complainant to contact TitleMax at ************ if they have any additional questions regarding their ****.
We hope that we have fully addressed the complaint.Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
BSG Consumer Complaints
PO Box 550
*******************Customer Answer
Date: 09/27/2024
BBB called the consumer using an automated calling system. The consumer replied with a text message with the number 1 indicating that their complaint was resolved and could be closed - see below for details:
************** ******* , ****** 22285236 Community Choice Financial, Inc. Sep 27, 2024 1:05 PM Initial Complaint
Date:09/10/2024
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 from Community Choice Financial located at *****************************. on June 22nd 2024. I had loans previously and never had a issue. TWO PAYMENTS the first being $555.00 was taken out and cleared on 9 July 2024 and another payment was taken out on 11 July 2024. ********** reversed the 2nd charge on 15 July 2024 and Community Choice REINSTATED the second withdrawal on 26 Aug 2024. My Husband has recovering from a Illness and is a Veteran of the US ARMY (GWOT) as a Medic 68Whisky. This has contributed to our being in the middle of a eviction from ******************* (Filed in *****************) and we have been told that this process would take upwards of 120 days. Our Loan number is #*****************. We have also filed a complaint with the *********************************** on 06 Sept 2024. Can anyone please be of any assistance. I can be reached at ************.Business Response
Date: 09/16/2024
September 16, 2024
Better Business Bureau
******************************>*****************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ********** ******* (Complainant). Buckeye Check Cashing of ************* *** 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 states they were charged two (2) payments of $555.00 on July 9, 2024, and July 11, 2024.The Complainant claims ********** reversed the second charge on July 15, 2024,InstaLoan reinstated the second withdrawal on August 26, 2024, and they were informed the process could take up to 120 days. The Complainant states they have filed a complaint with the ***************************** and are requesting assistance with a refund.
A review of InstaLoan records revealed on June 22, 2024, a loan was obtained in the principal amount financed of $500.00 at a storefront in *****, **. The loan was contracted to be repaid in full in the amount of $550.00 on July 5, 2024. The Complainant did not satisfy the loan on July 5, 2024, and on July 8, 2024, the Complainants check was presented for payment. The Complainant then made an online payment of $550.00 on July 9, 2024. The Complainants check was honored by their banking institution on July 23, 2024. The Complainant disputed the payment,and a chargeback was initiated. The Complainant was notified that the chargeback investigation could take up to 120 days and was under review. On September 12, 2024, records show the chargeback was in favor of InstaLoan and a refund request was issued.
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,
BSG Consumer Complaints
PO Box 550
*******************Initial Complaint
Date:09/10/2024
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.
So titlemax had ppl in regular cars tinted out following me . Harassing me. In my back yard at nights, repo truck parking down the back of my neighborhood waiting for me to pull out. They literally kicked my moms back door tonight. Like they were on the side of my neighbors house. Their phone alarm went off so the guy start running . Its becoming an harassing act and I need help. Like please I never knew repo company did this and I never knew anything about *** called spotters. They follow me all day . With the repo trucks behind everywhere I go. Theyve chased me on the highways its just too much please help me Im begging you guys. I have called police and everything.Business Response
Date: 09/16/2024
Please see attached.
Community Choice Financial, Inc. is BBB Accredited.
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