Business Profile

Check Cashing Services

Community Choice Financial, Inc.

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 Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:09/10/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid my lone off and have proof of payment, a debt collection called me and told me they picked up the collection because speedy cash closed it out. The lady from speedy cash told me they have no proof of payments. But I have the proof
Business Response
Date: 09/13/2024
September 13, 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 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 they have paid off their loan and has proof of payment. Now a collection agency picked up the collection and the Complainant wants a correction to the credit report.

*************** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. *************** services the loan but is not a lender in *****. *************** charges a CAB fee in the amount permitted by Texas law.

A review of Speedy Cash records revealed that on July 11, 2023, the Complainant obtained a 6-month payday loan with ********** in the principal amount financed of $150.00 at a storefront in ******, **. The loan was contracted to be repaid in twelve (12) payments of $33.00, due every other Wednesday beginning July 19, 2023, and a final payment of $190.23, due January 3, 2024. On the same day July 11, 2023, the Complainant refinanced their existing loan of $150.00, borrowing an additional $167.00. The loan was contracted to be repaid in twelve (12) payments of $69.74,due every other Wednesday beginning July 19, 2023, and a final payment of $401.93, due January 3, 2024.

Payment history on the most recent refinance indicates there have been three (3) payments in the total amount of $209.22 made on the loan. When the payment was not made on August *******, the account entered a past due status.

After continued non-payment, the account was sold to National Credit Adjusters on August *******, National Credit Adjusters may or may not be the entity reporting the Complainants accounts to the ********************** bureaus. As we are no longer the owner of the account and ********************** Cash is not currently reporting the account to any ********************** bureaus, concerns regarding the account including repayment options,credit reporting removal and further disputes should be directed to National Credit Adjusters reachable 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
PO Box 550
*******************
Customer Answer
Date: 09/24/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22266221

I am rejecting this response because: I have paid off my loan

Regards,

***** *****
Initial Complaint
Date:09/05/2024
Type:Customer Service Issues
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 have been a customer ********************** cash payday loan company for years. My payment due date is the 23rd of every month. On August 23 my payment was processed. I wasn't able to reborrow until August 28, 2024. As of September 5 I wake up to find out that this company took a additional $300 unauthorized electronic withdraw When I called up there twice to speak to two different people including supervisor, they wanted to tell me that someone access my account and authorize this early repayment. I know this is not a identity breach. this is a breach on their end. I am showing screenshot bank account payments. I want to be refunded my $300 speedy cash account and for ********************** cash profile to be deactivated and never used again as a resolution.
Business Response
Date: 09/10/2024
September 10, 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 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 that on September 5, 2024, an unauthorized payment of $300.00 was withdrawn from their account and when contacting Speedy Cash, they were told someone accessed their account. They are requesting a refund for the $300.00 payment.

A review of Speedy Cash records reveals that on August 28, 2024, the Complainant obtained a Payday Loan online in the principal amount financed of $255.00. The loan was contracted to be repaid in one (1) payment of $300.00, due September 23, 2024. A payment of $300.00 was requested online via ACH on September ******, which returned as unsuccessful on September 9, 2024. A refund cannot be issued, as the transaction did not clear.

To address the Complainants concern regarding their online account, based on our investigation, we have confirmed fraudulent activity on their online account. For security purposes,we have disabled and placed an alert on the account. If the Complainant desires to have their online account activated in the future, they must contact Speedy Cash directly at **************. For additional security measures, we do recommend that the Complainant update their Speedy Cash online security question,and their passwords for both their Speedy Cash online account and personal email 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,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 09/10/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22243921

I am rejecting this response because: on September 5th I called twice and spoke to a supervisor about reversing their payment. The next day on September 6 ,wes reversed. Now I am receiving emails from these individuals stating that the payment wasn't received. Speedy Cash deactivated my account however they still want an additional payment. Can you ask this company what is their physical mailing address. I do not want this company speedy Cash to become a negative creditor on my credit report because it will be coming issue for me.

Regards,

******* *******
Customer Answer
Date: 09/10/2024
This is evidence that speedy Cash did take a payment from me on September September the 5th. Then I caught up there twice to try to have them to reverse it. They weren't helpful and they were disrespectful therefore I contacted better Business bureau. Now they are sending me emails stating that the payment on September 5th was unsuccessful.. this company has deactivated my account however they are still contacting me through email. I don't want this discrepancy on their end to end up on my credit report . As a regulatory negative payment history
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 rebuttal referencing 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 they have evidence showing Speedy Cash did take a payment from them on September 5, 2024. They received an email stating the payment was unsuccessful despite their account being deactivated.

To address the Complainants concern regarding the payment attempted on September 5, 2024, it is important to note that the screenshot provided with their complaint reflected the payment as still processing. The payment returned as unsuccessful on September 9, 2024; therefore, an email was sent to the Complainant as they are opted in for email communications. Because the loan still contains a balance, we have attempted to contact the Complainant regarding repayment options. The Complainant has a payment due September 23, 2024, in the amount of $300.00.

If the Complainant has evidence to the contrary supporting the payment made on September 5, 2024,did in fact clear their bank account, we request them to send in a 30-day bank statement showing the payment as posted to ************************************

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
*******************
Customer Answer
Date: 09/24/2024
As a 9/20 2024 I have mailed speedy Cash this my last and final payment that was due on September 23rd 2024. I am providing a screenshot so that I won't have any problems in the future, with this company trying to put this payday loan on my credit report
Initial Complaint
Date:08/30/2024
Type:Order Issues
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 been paying on this loan since last year September I borrowed 2700dollars and pay them 316dollars a month and nothing is going toded the loan every time I go it's a new contract so far I have paid them 3792.dollars and I still have a balance of 2474.dollars no one told me it was a 30day loan so every time I go to pay it's a new contract they give me to sign that means I will be just giving them money I do have I can't read the writing on there computer but no one told me it was a 30day loan please help me find out why none of this money is going tode the loan
Business Response
Date: 09/04/2024
September 4, 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 InstaLoan, 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 contracted a loan for $2,700.00 in September of 2023, and they have been paying $316.00 per month, however that is not being applied toward the loan as every visit they sign a new contract. The Complainant states they have paid $3,792.00 and still have a balance of $2,474.00. The Complainant claims no one told them it was a 30-day loan, and they cannot read the writing on the computer. They are requesting to know where the payments are being applied.

A review of InstaLoan records reveals that on September 18, 2023, a thirty (30) day loan was obtained in the principal amount financed of $1,851.90 at a storefront in *****, **. The Complainant granted a security interest in a 2015 ****** Altima with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $1,922.06 on October 18, 2023. 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. On October 19, 2023, the Complainant made a minimum payment of $248.82 and refinanced their existing loan of $1,674.75. The loan was contracted to be repaid in full in the amount of $1,915.97, on November 18, 2023.

Between October 28, 2023, and July 25, 2024, the Complainant refinanced their loan on eight (8) more occasions, borrowing an additional $800.00 total. The final refinance was completed on August 29, 2024, in which the Complainant made a payment of $316.06 and refinanced their loan for the remaining balance of $2,474.75. The loan was contracted to be repaid in full in the amount of $2,793.76, on September 28, 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 **************** signing the loan agreements, the *********** acknowledged their understanding of the terms and conditions of the loans. The loans obtained by the Complainant are single pay loans. 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.

It is important to note that ********* encourages customers to use this product as a short-term financial solution. The balance may be paid back at any time with no penalty for early payoff. Further, if the Complainant wanted to cancel the agreement, the agreement states that customers may cancel the agreement by returning the check by which InstaLoan disbursed the loan proceeds or an equivalent amount of cash to us by the close of business on the business day following the date of the agreement.

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 *************.

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: 09/11/2024
[If you your complaint.]

Complaint: 22214795

I am rejecting this response because: I have already paid them over the amount that I borrowed if I continue I will have paid them 5000 dollars that's a new car payment why are they keep taking my money I don't have my mortgage is behind because of this

Regards,

***** ****
Initial Complaint
Date:08/29/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a $200 loan on 08/27/2014. Told staff I would be in to pay it off in full the following Tuesday. Was told they’d hold my title and not send to DMV. Went in today 08/29/2014 two days after taking loan out to pay in full. Sat there for an hour. Title no where to be found.
Business Response
Date: 09/03/2024
************

Thank you for the opportunity to respond to the complaint
filed by **** ***** (Complainant). TitleMax of
Nevada, 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 states they contracted a loan
for $200.00 on August 27, 2024, and advised a TitleMax employee they would pay
the loan on the following Tuesday. The Complainant claims they were assured TitleMax
would hold their title and not send it to the DMV. The Complainant visited the
TitleMax location on August 29, 2024, to pay the loan, however, their title was
not available. The Complainant states that they will not pay anything until
they are informed that the title has been found and they will not pay any accrued
interest.

A review of TitleMax records reveals that on August 27,
2024, a title loan was obtained in the principal amount financed of $220.00 at
a storefront in Reno, NV. The Complainant granted a security interest in a 2017
Ford Focus with a VIN ending in ******. The loan was contracted to be repaid in
six (6) monthly payments in the amount of $60.56 beginning on September 26,
2024, and a final payment of $60.55 on March 25, 2024.

Regarding the Complainant’s concern that they were not
provided with a title to their vehicle after paying off the loan, a review of
our records shows on August 29, 2024, TitleMax received a payment of $222.89. TitleMax
contacted the Complainant on August 30, 2024, however the Complainant could not
pick up the title at that time and asked TitleMax to refrain from sending the
title through postal mail. The Complainant returned to TitleMax on August 31, 2024,
and successfully completed pick up of the title. As the payment of $222.89 on
August 29, 2024, paid the loan in full, no further interest will accrue, and
the loan is considered closed.

TitleMax 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 Customer Service at ###-###-#### for questions regarding their account.

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,

**************
Initial Complaint
Date:08/26/2024
Type:Order Issues
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.
This company loan me $900 I have payed $2,335 they said I still have to pay for the next 6months they take 2 payments out one of $222.50 the first week the second week $210 of each month. They never told me it was such high interest all they told me was I was going to do 6 payments this is a lot of money for the mount they loan me. I cant afford this I have tried talking to them and nothing has been resolved they want me to pay them for the next 6months this is a robbery
Business Response
Date: 08/29/2024
August 28, 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). SCIL Texas, LLC, 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 never told their loan was high interest and were told they still have to pay for the next six (6) months. They request no further contact from the company.

SCIL Texas, LLC, DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing,unaffiliated lenders and services the resulting loans. 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 reveals that on February 5, 2024, the Complainant obtained a loan online with TXCSO, ***** in the principal amount financed of $750.00. The loan was contracted to be repaid in twelve (12) bi-weekly payments of $210.00, beginning February *******, and a final payment of $996.78, representing the final CAB fee,principal, and lender interest, due August 3, 2024. On July 23, 2024, when the minimum payment was not received, the account entered a past due status for a third time during the life of the loan. Thereafter, collection activities commenced as permitted by law. Speedy **** attempted to contact the Complainant in an effort to assist with repayment but was unsuccessful.

At the time of loan origination, the Complainant signed a loan agreement that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan. Further, Speedy **** 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.

We have updated the Complainants contact information to reflect no further contact. This does not negate the Complainants obligation to repay their loan nor Speedy **** rights in our efforts to recover the outstanding balance on the Complainants account.

********************** **** believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Speedy **** understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks. Accordingly, Speedy **** is willing to discuss mutually satisfactory repayment arrangements in order to assist the Complainant in paying back their loan. We encourage the Complainant to contact Speedy **** at ************** to discuss a mutually agreeable payment arrangement.

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:08/22/2024
Type:Order Issues
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 the company $1,400 exactly they never told me it was 600% of interest I have paid $3,000 and they say I still have to pay them for another 6months. They take out of my account $293 every 2 weeks I have asked to stop and they still do i have talked to my bank and they say theres nothing they can do about it. They company Takes the money out every 1st and 15th of each month this is a highway robbery to pay over 600% of interest for $1,400 I cant afford it I am about to get my car repo cuz I cant keep the money In my account and my bank says I have to close my account and open an new one I dont think this is fair at all. Please help me
Business Response
Date: 08/25/2024
August 23, 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). SCIL Texas, LLC, 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 signed for a $1,400.00 loan but were never informed of the 600% interest. They are unable to make payment every two weeks and asked for it to stop but payments are still being made. They are falling into some financial difficulties and want no further contact by the business.

SCIL Texas, LLC,DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. 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 reveals that on April 26, 2024, the Complainant obtained a loan in the principal amount financed of $1,405.00 online. The loan was contracted to be repaid in eleven (11) payments of $391.62, due every other Monday beginning May 13, 2024, and a final payment of $391.68, due October 14, 2024.
Payment history indicates that there have been seven (7) payments in the total amount of $2,741.34 made on the loan. As of the date of this response, the Complainants loan currently has a balance of $1,374.63 but is subject to change due to interest and/or fees that may be accruing.

At the time of 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 **************** signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan.

On August *******, the Complainant's authorization for Automated Clearing House (ACH)transactions was revoked. The company promptly ceased all communication with the Complainant as per the request. It is important to note that the Complainant is still responsible for their loan. Payments will need to be made manually.

Speedy **** understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks. Accordingly, Speedy **** is willing to discuss mutually satisfactory repayment arrangements in order to assist the Complainant in paying back their loan. We encourage the Complainant to contact Speedy **** at ************** to discuss a mutually agreeable payment plan.

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:08/20/2024
Type:Service or Repair Issues
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 had my car towed by titlemax and at the time of it being towed it was still operable. When I went to pick my car up from the tow yard they told me my car could not be driven because my tire was wobbling. The part where the tire sits and the lug nuts attach is broken. My car has been in the tow yard for almost two months. I just want my car fixed and returned to me in driving condition.
Business Response
Date: 08/23/2024
August 23, 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). 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 car was towed when it was operable but when they went to pick up the car, the tow yard advised the Complainant that the car could not be driven because the tire was wobbling due to the part where the tire sits, and the lug nuts attached being broken. The Complainant states that the car was in the tow yard for almost 2 months, and they request for the car to be fixed and returned to them in driving condition.
A review of TitleMax records reveals that on May 15, 2023, a **** Transaction was obtained in the principal amount financed of $418.00 at a storefront in ********, **. The Complainant granted a security interest in a 2001 ****** Camry with a VIN ending in ******. The **** was contracted to be repaid in full in the amount of $493.20 on June 14, 2023. However,to the extent they chose to pay the entire balance, the Complainant could pay the outstanding pawnshop charge, enter into a new agreement, and renew the **** for an additional thirty (30) days. On May 17, 2023, the Complainant made a minimum payment of $5.01 and refinanced their existing **** of $418.00, borrowing an additional $450.00.The **** was contracted to be repaid in full in the amount of $868.00, on July 16, 2023.
Between July 3, 2023, and April 10, 2024, the Complainant refinanced their **** on four more occasions. Due to nonpayment, on May 10, 2024, the account was placed in a past due status. On June 26, 2024, the vehicle was repossessed and a repossession fee of $50.00 was assessed onto the account. On July 8, 2024, the Complainant made a payment in the amount of $265.50 to redeem their vehicle and refinanced their **** for the remaining balance of $862.00. The **** was contracted to be repaid in full in the amount of $969.75, on August 7, 2024.
Regarding the alleged damage to the Complainants 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 repossession and towing procedures be discovered, the Complainant will be contacted directly for remediation.
TitleMax believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. We encourage the Complainant to call **************** at ************* for 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,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:08/16/2024
Type:Service or Repair Issues
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.
On August 15, 2024, titlemax had my car towed. I paid my back balance after they refused payment. The tow company they used was rude, he almost slammed my daughters arm in the car when she was trying to get my work computer and my grand daughters car seat and other personal belongings. They told her to get the F*** out the car they told me to shut my F****** mouth they broke the breach of peace law and took my car illegally 24 hours later i cannot find my car titlemax says they dont know where it is and i want my property back. I fully intend to seek a lawyer and press charges on the tow company. However they cant find my car and they need to this company needs to be closed for good between all their shady practices and lawsuits im suprised they can stay open. I was involved in the recent data breach also and had to place a fraud alert on my credit reports. They stole my car the tow company was belligerent and verbally abusive they broke multiple laws. Every neighbor was outside watching and hearing this man talk to me and my daughter in the rudest way possible. I want my car back from titlemax thats all i want and compensationfor my lost wages due to them stealing my car. There payment was made and they said I would know that within 4 hours, where my car was here, we are 24 hours later no car no information and lose of wages.
Business Response
Date: 08/21/2024
***************

Thank
you for the opportunity to respond to the complaint filed by **** *******(Complainant). TMX Finance of Tennessee, 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 that on August 15, 2024, their vehicle was repossessed and
claims breach of peace occurred. They claim the tow company verbally abused
them and their daughter as well as almost smashed their daughter’s arm in the
door. They claim multiple laws were broken and their car was stolen. In
addition, they state that after 24 hours they have no information on where
their car is and request lost wages.

TitleMax is a licensed lender through the Tennessee Department of Financial Institutions
under the Tennessee Flexible Credit Act and operates according to all
applicable state and federal laws.

A review of
TitleMax records reveals that on April 12, 2024, the Complainant obtained a
Line of Credit with a credit limit of $2,800.00 at a storefront in Morristown,
TN, with an initial advance totaling $800.00 that same day. The Complainant
granted a security interest in a 2007 Nissan Xterra with a VIN ending in
******. The first payment of $121.25 was due on May 10, 2024, and a second
payment of $491.77 was due on June 10, 2024.The Complainant completed a total
of thirteen additional cash advances totaling $2,000.00.

It is important to
note that at the time of loan origination, the Complainant signed a Secured
Line of Credit Account Motor Vehicle Pledge and Security Agreement that clearly
disclosed the annual percentage rate in accordance with the Federal Truth in
Lending Act and Regulation Z. By signing the loan agreement, they acknowledged their
understanding of the terms and conditions of the loan.

Payment history
indicates there have been four (4) payments made on the loan. When the full
minimum payment was not made on June 10, 2024, the account entered a past due
status. Due to continued non-payment, the vehicle was repossessed on August 15,
2024. That same day the Complainant paid the redemption amount of $1,328.52 to
be able to redeem their vehicle.

To address the
Complainant’s concern regarding the location of the vehicle, records reveal
that on August 20, 2024, the vehicle was picked up at ********* **** ******* (***). At the time of the repossession when the Complainant made their payment
to redeem the vehicle, the vehicle was pending transportation to ***.

Regarding the
Complainant’s claims of breach of peace, we have forwarded their account to the
appropriate department to complete an investigation and if they have any
questions, we encourage them to reach out ****************************

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,

*** * ******** **********
** *** ***
********** ** *****
Customer Answer
Date: 08/22/2024
************
I want the name of the tow truck company that towed my car there is alot of damage to my front and rear end suspension. The car is old it is rusty the alignment is all messed up I want the tow companies name
Business Response
Date: 09/10/2024
*******************

Thank
you for the opportunity to respond the rebuttal regarding the complaint filed
by **** ******* (Complainant). TMX Finance of Tennessee, 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.

In response to the Complainant’s request for the name of
the tow company, the company was ********* ****** *** ********, reachable 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,

*** * ******** **********
** *** ***
********** ** *****
Customer Answer
Date: 09/10/2024
I accept the business's response to resolve this complaint.

Regards,

**** *******
Initial Complaint
Date:08/15/2024
Type:Billing Issues
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 contacted their offices on July 30th to inquire on the remaining balance they would be garnishing my paycheck for. The woman told me $73 was my balance and it would come out the following pay check. The following check they deducted $155 from my check that week. I was told that is normal with garnishments and the overage is reimbursed. Then this week they deducted 165 again. I called their office again and was told that "speedy cash isn't **** ********" that's incorrect, and then was told I would be placed on hold, and was then hung up on. I called back and was told she would transfer me and she, again, hung up me.This happened 3 times.
Business Response
Date: 08/20/2024
******************

Thank
you for the opportunity to respond to the complaint filed by ***** ******* (Complainant). Galt Ventures, LLC 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 paycheck was garnished for an amount higher than the
balance owed, another garnishment was processed, and they are expecting the
overage to be reimbursed. The Complainant states when they called Speedy Cash,
the call was disconnected instead of being placed on hold or transferred. They
would like a refund and no further contact from Speedy Cash.

A review
of Speedy Cash’s records reveals that on August 27, 2016, the Complainant
obtained a Line of Credit with a credit limit of $485.00 online, with an
initial advance of $485.00. The first payment of $24.05 was due on September
16, 2016, and a second payment of $76.66 was due on September 30, 2016. The
account entered a past due status after payment was not made on November 11,
2016. The account was assigned to a third-party collector, ** *****, on March
7, 2017, after nonpayment and unsuccessful contact attempts by Speedy Cash.
After continued nonpayment, the account was recalled from ** ***** and as of
January 30, 2019, was with ***** *** *******, reachable at ###-###-####.

At the
time of loan origination, the Complainant signed a Speedy Cash Open-End Credit
Agreement and Disclosure Statement that clearly discloses clearly discloses the
annual percentage rate in accordance with the Federal Truth-in-Lending Act and
Regulation Z. Additionally, the Complainant also signed an Optional Loan
Payment Authorization and Optional Payment Card Authorization that authorizes
and instructs Speedy Cash to initiate an ACH or debit card payments on the loan
due dates, or in the event of default, to collect the outstanding loan balance.
We submit there was no unauthorized payment taken from the Complainant’s
account.

A review
of the payment history shows the Complainant has made 13 payments in the total
amount of $1,191.55 toward the outstanding balance and post judgement interest. As of
the date of this response, the Complainant’s account currently has zero
balance. As Speedy Cash believes that the conditions of
the loan were clearly disclosed and finds no discrepancy or concern in how the
transaction was processed, no refund will be given at this time.

Regarding
the call disconnection, we do apologize for any inconvenience this may have
caused. Speedy Cash endeavors to assist our customers with all their concerns
and provide the best service possible. In addition, Speedy Cash is committed to
treating its valued customers in a fair, honest, and transparent manner.
Accordingly, we have promptly forwarded your concerns to management to ensure
that appropriate measures are taken to improve our customer service.

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
** *** ***
********** ** *****
Initial Complaint
Date:08/14/2024
Type:Billing Issues
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.

**********************;
***********************************************;
*********, ***
41014-1117

BETTER BUISNESS BUREAU
********************************************************;

8/7/2024

RE: COMPLAINT TO THE CORPORATE OFFICE, OF "CHECKSMART".

DEAR BBB:

I BORROWED $588.00 FROM CHECKSMART ON MAY 3rd 2024
WITH THE AGREEMENT TO PAY IT BACK WITH THE 500/88.00 INTEREST
ON JUNE 3rd 2024. HOWEVER, MY DIRECT EXPRESS DEBIT MASTERCARD
WAS STOLEN IN MAY 2024. I HAD TO ORDER UP A NEW ONE, BECAUSE MY
CARD WAS STOLEN AND IT GOT CANCELLED OUT BY THE BANK. "******"
CALLED ME VIA PHONE ON JUNE 3rd 2024 TO ADVISE ME THAT ON MY
OLD CARD PAYMENT TO THEM WAS DECLINED. I THOROUGHLY EXPLAINED
THE SITUATION TO HER AND TOLD HER MY NEW CARD WILL BE HERE IN
2 DAYS. (WEDS. 6/5/2024. I INFORMED HER WHEN I GET IT, I WILL
ACTIVATE IT AND COME RIGHT UP AND PAY THE FULL AMOUNT DUE OF
$588.00. THEN I WILL BORROW $500 DOLLARS MORE, AND THEY CAN PUT
MY NEW CARD INFORMATION ON FILE. *: ** ****** SAID NO!!!!
SHE SAID IF NOT PAID BY TOMORROW, 6/4/2024, SHE WILL SUBMIT A
PAPER CHECK TO MY BANK FOR FULL PAYMENT. I EXPLAINED TO ***********;
THAT MY BANK WILL NOT HONOR ANY WRITTEN CHECK. ONLY CHECKCARD
ACCOUNT INFORRMATION.

SHE INSISTED THAT SHE WILL MAKE AN ATTEMPT ANYHOW WITH THEIR
PAPER CHECK. I REMINDED HER THAT WE ARE ONLY TALKING ABOUT TWO
DAYS TO WAIT, NOT TWO MONTHS OR TWO YEARS. I DID ADVISE HER THAT
I AM A VERY GOOD AND HONEST CUSTOMER AND I WILL WALK THRU THOSE
CHECKSMART DOORS ON WEDS. 6/5/2024. WITH THE NEW CARD. AND
EVERYTHING WOULD BE FINE. SHE "REFUSED" TO LET ME PAY IT IN FULL
ON 6/5/2024. I HAD NO CONTROL OVER THE MAIL SERVICE, IT WAS NOT
SENT TO ME OVERNIGHT EXPRESS. SO, NOW THERE IS A DEBT OF $588
I OWE CHECKSMART.

Business Response
Date: 08/20/2024
August 19, 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).Checksmart, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

To summarize, the Complainant states that on May 3, 2024, they borrowed $588.00 from CheckSmart to be repaid on June ******, in the amount of $588.00. They state their card was stolen in May and when they spoke to an employee to inform them of the issue, the employee advised that if the payment were not made by June 4, 2024, they would submit a paper check to the ****************** On June 5, 2024, when attempting to repay, the Complainant claims the employee refused their payment. They want to work with corporate directly to establish a payment plan.

A review of Checksmart records reveals that on May 3, 2024, the Complainant obtained a Deferred Deposit loan at a storefront in *********, **, in the principal amount financed of $500.00. The loan was contracted to be repaid in one payment of $588.50, due June 3, 2024.

At the time of loan origination, the Complainant signed a Deferred Deposit, Early Deposit Clause & Disclosure 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, as stated in the agreement, DEFERRED DEPOSIT: Simultaneously with the execution of this agreement: (A) you have delivered to us at our address set forth above your check no. 9003 in the amount of $588.50 (the check); (B) we have given you currency in the amount of $500.00; and (C) we have agreed to hold the check until the Maturity Date set forth above before depositing it. In consideration for the transaction, you agree to pay us a fee of $88.50 at the time that this Agreement is executed. You agree to have sufficient funds on deposit in your account to pay the ******************** on the Maturity Date, to not close the account before the ******************** is paid, to not stop payment on the check without our consent, and to not do any other thing to prevent payment of the check when it is presented to your bank.

On June 3, 2024,after the card on file for repayment was declined, the check was deposited as allowed by their signed Deferred Deposit, Early Deposit Clause & Disclosure Agreement.

The Complainant was advised that because Checksmart does not hold checks, if they did not pay the loan by 2pm the day after the due date, their deferred check would be deposited. When the Complainant came in on June 5, 2024, their repayment was already processing.

That transaction was returned on June 11, 2024, and a Returned Fee of $2.00 was assessed to the account, which made the total balance owed now $590.50. The account entered a past due status and collections activities commenced as permitted by law. Payment history indicates there have been no payments made on the loan.

Checksmart believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. In response to the Complainants request for repayment options, Checksmart 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 Checksmart at ************* for repayment options for 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,

BSG Consumer Complaints
PO Box 550
*******************

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