Complaints
This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 437 total complaints in the last 3 years.
- 135 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/20/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
June 16, 2025 I received an installment loan for $2000 from SPEEDY CASH due to circumstances beyond my control. I have had 2 transactions in the past with SPEEDY CASH for lesser amounts to which I paid off rather quickly, both loans were $500 the 1st paid off with only a $12 service fee, the 2nd was a $56 interest charge.
This time around I have had to wait 8 weeks before I had the resources to repay this loan. And in this time frame I have made 7 weekly payments of $176.28 for a total of $1233.96 with a principal balance is $1943.84 as of 8/20. But on 8/13 my principal balance was $1853 and called them to find out what my payoff would be so they knew I would be paying off the loan this week and after making a payment of $176.28, instead of the principal going down or remaining the same. it increased by $90 and I called them to find out why and the representative could not explain why the increase of principal nor inform me what my payoff would be once another payment came out tomorrow that I will have to wait till the payment comes out which very well may increase the payoff even more, and stated will possible be more than the $2000 initial loan after paying SPEEDY CASH $1410.24 in 8 weeks and still owe the $2000 loan amount.
It is totally obvious SPEEDY CASH is gouging me based on my previous transactions and the fact I called them inquiring about payoff amount.I fully understood the high interest rate of 355% when getting the loan.
It is my contention based on previous transactions and informing them when getting the loan I would be paying it off in a short period of time (case and point, increase of $90 in principal after calling and inquiring about payoff on 8/14) that SPEEDY CASH is unfairly gouging me! Proof, will have paid $1410.28 with practically NO reduction in the principal amount of $2000.Besides of not being informed of the interest to principal ratio and is not in the contract, otherwise, would not have taken the loan.
Business Response
Date: 08/25/2025
*****************
Thank you for the opportunity to respond to the complaint
filed by ****** ******** (Complainant).
SCIL, Inc., DBA Speedy Cash, a member of Community Choice Financial® family
of brands, appreciates the role of the Better Business Bureau in resolving
consumer concerns. We are happy to provide this response.
To summarize, the
Complainant alleges that Speedy Cash is gouging them, stating that their
principal balance has either increased or remained the same despite making
seven (7) payments toward their loan. They state they were not able to obtain
clarification, claiming that the representative was unable to provide an
explanation. They also state they were not informed of the
interest-to-principal ratio. The Complainant is requesting an explanation of
the charges.
A review of
Speedy Cash records revealed that on June 19, 2025, the Complainant obtained a
loan online for $2,000.00. The loan was contracted to be repaid in twenty-five
(25) weekly payments of $176.28, beginning July 3, 2025, with a final payment
of $176.64, due December 25, 2025. Payment history indicates eight (8) payments
were made on the loan. On August 21, 2025, the loan was paid off in the amount
of $1,785.66.
At the time of
loan origination, the Complainant signed an Installment Loan Promissory Note
that clearly disclosed the annual percentage rate, finance charge, amount
financed, total of payments and the repayment schedule in accordance with the
Federal Truth in Lending Act and Regulation Z. The agreement includes notices
on Promise to Pay and Payments which state:
“...You promise to pay us the Amount Financed set forth
above, plus interest from the date we disburse funds to you (or credit funds to
your account) on the outstanding Amount Financed at a daily rate of 0.9863014%,
which corresponds to an annual rate of 360.000000% (except in a leap year)
until your Loan is paid in full…” and
“…all payments will be applied in the following order: (i)
accrued interest; and (ii) the outstanding Amount Financed. You have the right
to make payments in excess of those set forth in the Payment Schedule and such
excess payments will likely reduce the amount of interest you owe.”
By signing this
agreement, the Complainant acknowledged their understanding of the terms and
conditions of the loan.
Speedy Cash
encourages customers to use this product as a short-term financial solution and
whenever possible, pay off early to avoid accruing interest. The balance may be
paid back at any time with no penalty for early payoff.
Speedy Cash is
committed to treating its valued customers in a fair, honest, and transparent
manner. Speedy Cash reasonably ensures that its development, delivery, and
servicing of products will not result in an act or practice that is unfair,
deceptive, or abusive. It is important to note that Speedy Cash ensures that
all fees and interest charged are in compliance with all applicable State and
Federal laws and regulations.
Speedy Cash
believes that the conditions of the loan were clearly disclosed and finds no
discrepancy or concern in how the transaction was processed. Should the
Complainant have any additional questions or concerns, we encourage them to
contact Speedy Cash directly at ###-###-####.
We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************
Sincerely,
******** **********
** *** ***
********** ** *****Initial Complaint
Date:08/16/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My bank sent a payoff check for my Speedy Cash account in the amount of $730.85 on 7/18/2025. It was cashed and cleared on 7/24/2025. I have been speaking with customer service for three weeks and no one can give me an answer to why it has not been cleared out of my account and the interest has grown over $100. They are now telling me I am in collections even though I have emailed physical proof of the check with the check number and showing that they cashed it. Then, I have multiple recorded phone calls where representatives told me to not pay anything on the account and that they would waive the remainder. It has now been an entire month since the physical check was cashed and I am demanding my balance be cleared. This has gone on long enoughBusiness Response
Date: 08/25/2025
August 25, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). *********************, DBA Speedy Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their bank sent Speedy Cash a check in the amount of $730.85 on July 18, 2025, to pay off their account. They state the check was cashed and cleared on July 24, 2025, but their account balance has not been cleared. The Complainant is concerned of the growing interest and requests their account be cleared. They also request that they no longer receive phone calls.
A review of Speedy Cash records revealed that on December 2, 2024, the Complainant obtained a Line of Credit with a credit limit of $300.00 online at **********************************,with an initial advance of $300.00. The first payment was due in the amount of $28.16 on December 27, 2024, and the second payment was due in the amount of $38.76 was due on January 10, 2025. Payment history indicates there have been sixteen (16) payments made on the line of credit.
To address the Complainants concern regarding the check, the check was applied to the account on August 25, 2025. The account is now paid in full and reflects a zero balance.For any other questions regarding their account, we encourage the Complainant to contact Speedy Cash directly at ***************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:08/15/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got a loan with them before and had no problems. I got another loan at the end of last year for 2500 and the amount I would have to pay would be 3500 but after making payments of 362 a month I noticed that the loan amount is still at the same amount. I feel that what they are scamming me.Business Response
Date: 08/20/2025
*****************
Thank you for the opportunity to respond to the complaint
filed by ******* **** (Complainant). TMX Finance of Florida, Inc., DBA
InstaLoan, a member of Community Choice Financial® family of brands,
appreciates the role of the Better Business Bureau in resolving consumer
concerns. We are happy to provide this response.
To summarize, the
Complainant feels that they are being scammed as they have been making payments
on their loan but noticed the loan amount is still the same.
A review of
InstaLoan records revealed that on February 10, 2025, the Complainant obtained
a loan for $1,734.55 at a storefront in Tampa, FL. The Complainant granted a
security interest in a 2016 Ford Fusion with a VIN ending in ******. The loan
was contracted to be repaid in one (1) payment of $1,810.80 on March 12, 2025.
However, to the extent the Complainant did not wish to repay the loan in full,
they had the option to pay the outstanding interest and fees, refinance the loan,
and enter into a new agreement. On March 13, 2025, the Complainant made a
payment of $237.76 and refinanced their existing loan of $1,574.75. The loan
was contracted to be repaid in one (1) payment of $1,805.04, due April 12,
2025.
Between March 31,
2025, and August 15, 2025, the Complainant refinanced their loan on six (6)
more occasions, borrowing an additional $1,500.00 total. The current refinance
was completed on August 15, 2025, in which the Complainant made a payment of
$362.45 and refinanced their loan for the remaining balance of $3,074.75. The
loan is contracted to be repaid in one (1) payment of $3,447.53, due September
14, 2025.
At the time of
each loan origination and each refinance, the Complainant signed a Consumer
Installment Loan Agreement, Promissory Note and Security Agreement that clearly
discloses the annual percentage rate, finance charge, amount financed, total of
payments and the repayment schedule in accordance with the Federal
Truth-in-Lending Act and Regulation Z. An InstaLoan representative explained
the terms and conditions of the loan upon origination. In addition, the
Complainant completed all refinances using the customer portal, which allows
the user to move at their own pace to ensure full understanding of any and all
documents presented to them prior to signing. By signing the agreements, the
Complainant acknowledged their understanding of the terms and conditions of
each agreement.
InstaLoan
encourages customers to use this product as a short-term financial solution and
whenever possible, pay off early to avoid accruing interest. The balance may be
paid back at any time with no penalty for early payoff.
InstaLoan is
committed to treating its valued customers in a fair, honest, and transparent
manner. InstaLoan reasonably ensures that its development, delivery, and service
of products will not result in an act or practice that is unfair, deceptive, or
abusive.
We believe that
the conditions of the loan were clearly disclosed, and we cannot find evidence
of any wrongdoing. We encourage the Complainant to call Customer Service at
(800) 804-5368 for questions regarding their account.
We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************
Sincerely,
Consumer Protection
** *** ***
********** ** *****Customer Answer
Date: 08/27/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: ********
I am rejecting this response because:
Regards,
******* ****Initial Complaint
Date:08/11/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Formal Complaint Ongoing Fraudulent Check Cashing and Failure to Resolve
To Whom It May Concern,
I am writing to formally complain about an ongoing fraudulent check cashing issue involving Easy Money store #*** at ********************************************
In November, a case manager notified me that my JobCorp payroll check (#*******) for $583.29, cashed on 07/03/2024, was fraudulently cashed without my permission. I immediately filed a police report and contacted Easy Money corporate, but they claimed they could not locate the check.
After reviewing my police report and a copy of the check, I noticed the store number *** stamped on it. This is the location where I cash my checks and know the staff personally. I visited the store, presented my police report and check copy, and the staff identified the person who cashed the check fraudulently. They also stated this person is still cashing fraudulent checks, including one last week at the Centerpoint location.
I then contacted Easy Money corporate division and spoke with *******, who informed me I would not receive a refund because the check had been deposited. She also said my check is now linked to another thiefs account in their system. The issuer refuses to issue a replacement and insists Easy Money should refund me.
I am deeply frustrated and disappointed with Easy Moneys failure to identify and stop this fraud.
Their lack of proper verification and accountability has caused me financial harm and stress.
If this is not resolved promptly, I will seek legal action and notify the press.
I demand a full investigation, immediate refund of $583.29, and stronger fraud prevention measures to protect customers.
Thank you for your prompt attention.
Sincerely,Rakeria ******
************
08/11/2025
Business Response
Date: 08/15/2025
August 15, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Rakeria ******
(Complainant). Easymoney, a member of the Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their payroll check of $583.29 was cashed fraudulently at an EasyMoney store on July 3, 2024. They have already filed a police report and contacted ********* about the check.They request a full investigation and refund of the check amount.
Easymoney recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Accordingly, the Complainants account has been forwarded to our ************************* who will be in contact with the Complainant. Once the investigation is completed, the Complainant will be notified of the outcome.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 08/16/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23731334
I am rejecting this response because: To be absolutely clear, I do not accept EasyMoneys response. This is not just about an investigation this is about a refund. I provided proof, filed a police report, and followed every step I was instructed to do, yet over a year later I still do not have my $583.29.
The individual who cashed my check is still cashing fraudulent checks, which shows that EasyMoneys extensive measures are not working. This is not just my loss its a pattern that has likely affected many other consumers.
If my refund is not issued immediately, I will not hesitate to bring this to the attention of ABC 33/40, WBRC FOX6, CBS 42, and ******, along with consumer protection reporters who cover fraud and negligence cases. I am also prepared to involve an attorney and pursue this through legal channels.
********* has had more than enough time and evidence to resolve this matter. I expect a refund now, not more delays.
Regards,
Rakeria ******Business Response
Date: 08/29/2025
August 29, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by Rakeria ****** (Complainant). Easymoney, a member of the Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
As stated in our initial response. Easymoney recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Accordingly, our ************************* has been made aware of the situation and is working with the Complainant to resolve this situation.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 09/02/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23731334
I am rejecting this response because:
In response to the BBBs request, I do not accept Easy Moneys response as a resolution to my complaint.
My reasons are as follows:
The companys response was generic and vague. They only stated that their ************************* is aware and working with me, but they did not provide any specific details about what has been done or what outcome I should expect.
I have not received meaningful communication or resolution from Easy Money since filing this complaint. Their reply does not explain how the issue occurred, what steps are being taken to fix it, or provide a timeline for closure.
I previously expressed directly to Easy Money that they could reimburse me the funds that were wrongfully taken. To date, they have not reimbursed me, nor have they even addressed this request in their response. This makes it clear they are attempting to avoid financial accountability and are sidestepping the actual issue.
The company has failed to provide documentation, accountability, or a direct point of contact who is handling my case. Without that, I cannot trust that the matter is being taken seriously.
Because of these reasons, I consider the issue unresolved. I am asking the BBB to keep this complaint open until Easy Money provides:
A clear explanation of what happened.
A written update of actions being taken and a timeline for resolution.
Full reimbursement of the funds owed to me.
A direct contact in their ************************* who is accountable.
If Easy Money continues to avoid resolving this matter, I will have no choice but to escalate the issue to the Consumer Financial ***************** (CFPB) and the ************************ (***) for further review and investigation.
Until these conditions are met, I respectfully decline to accept their response.
Sincerely,
Rakeria ******Customer Answer
Date: 09/03/2025
Re: Complaint Against Easy Money (Community Choice Financial)
Dear ********* ********** and the BBB Dispute Resolution Team,
Thank you for your update regarding my complaint. I would like to clarify a few key points, because I do not agree that Easy Money is working with me to resolve this situation.
Since filing this complaint, I have not received meaningful communication or resolution from Easy Money. Their only statement was that their ************************* is aware, but I have not been provided any real update, documentation, or direct contact information.
I previously requested that Easy Money reimburse the funds that were wrongfully taken. To date, they have not reimbursed me nor have they addressed this request in any of their responses.
Their vague language appears to be an attempt to avoid financial responsibility and drag out the complaint without providing a clear outcome.
Because of these reasons, I ask that the BBB keep this case active and not close it as resolved.I am fully prepared to escalate this matter to the Consumer Financial ***************** (CFPB) and the ************************ (***) if Easy Money continues to avoid reimbursing me and refuses to provide a clear resolution.
Thank you for your continued assistance.
Sincerely,
Rakeria ******Business Response
Date: 09/10/2025
September 10, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by Rakeria ****** (Complainant). Easymoney, a member of the Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
A review of our records indicates that our ************************* has been able to validate the claim of identity theft and has relieved the Complainant of any liability regarding this debt. The account has been closed and ********* will cease collection efforts. In addition, on September 5, 2025, a refund check of $583.29 was mailed to the Complainant. No further compensation will be provided.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 09/10/2025
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I accept the business's response to resolve this complaint.
Regards,
Rakeria ******Initial Complaint
Date:08/06/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Was not informed of the pay back amount which was over $1200 a month, not allowing me to pay rent or my other bills, when I went in to review the loan summary to see what the payment amount was going to beBusiness Response
Date: 08/11/2025
August 11, 2025
Better Business Bureau
****************
******************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant).***************, DBA Speedy ****, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they were not informed of the monthly payment amount. They are requesting contact from the business.
*************** DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.
A review of Speedy **** records revealed that on July 26, 2025, the Complainant obtained a loan online for $2,365.00 with First Star Financial, LLC. The loan was contracted to be repaid in twelve (12) bi-weekly payments of $621.47, beginning August 8, 2025, and a final payment of $621.56, due January 23, 2026.
At the time of the loan origination, the Complainant signed a Promissory Note that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and ************************** the loan was completed by the Complainant using Speedy ****s online web application, which allows the customer to move at their own pace to ensure full understanding of any and all documents presented to them prior to signing. By signing the loan agreements, the Complainant acknowledged their understanding of the terms and conditions of the loans.
Payment history indicates there have been no payments made on the loan. The Complainant currently has a balance of $2,851.08 but is subject to change due to interest and/or fees that may be accruing. The balance may be paid back at any time with no penalty for early payoff. It is important to note that the account will enter a past due status if the minimum payment is not received on the scheduled due date.
Speedy **** believes the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing. Should the Complainant have any further questions or concerns we encourage them to contact Speedy **** directly at ***************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Customer Answer
Date: 08/20/2025
I have requested 4 times now the documents that I signed as well as any disclosures stating they do these kinds of loans. I applied for a $300 loan and they came back with the 2365 and the payments on this loan would not allow me to pay my bills or my rent that if they looked at my application they would have seen that. I ask this if they are telling you I signed such documents why are they refusing to send them to me. They are charging over 500% interest which I would have never agreed to. I did receive two documents, one was an application and the other was a consent form. I did not know what the interest was and how much the payments would be because they never sent that to me. I am in the process of filing a civil action against them for violations of the Texas Deceptive Trade Act.Business Response
Date: 08/28/2025
August 28, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by **** ***** (Complainant). ***************, DBA Speedy ****, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they requested their documents, and the lender has refused to send them. They advise the monthly payment interferes with their ability to pay other bills and claim they are being charged interest that they would have never agreed to. They also claim they were unaware of the interest and payment amounts, alleging that this information was never sent to them.
*************** DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.
A review of Speedy **** records revealed that on July 26, 2025, the Complainant obtained a loan for $2,365.00 online with First Star Financial, LLC. The loan was contracted to be repaid in twelve (12) bi-weekly payments of $621.47, beginning August 8, 2025, with a final payment of $621.56, due January 23, 2026.
At the time of the loan origination, the Complainant signed a Promissory Note that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and ************************** the loan was completed by the Complainant using Speedy ****s online web application, which allows the customer to move at their own pace to ensure full understanding of any and all documents presented to them prior to signing. By signing the loan agreements, the Complainant acknowledged their understanding of the terms and conditions of the loans.
Payment history indicates there have been no payments made on the loan. The Complainant currently has a balance of $2,851.08 but is subject to change due to interest and/or fees that may be accruing. The balance may be paid back at any time with no penalty for early payoff. It is important to note that the account will enter a past due status if the minimum payment is not received on the scheduled due date.
Speedy **** believes the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing. Contrary to their statement, our records indicate their documents were sent via email on August 4, 2025. As per the Complainants request, we have sent a copy of the loan documents to the address on file. Should the Complainant have any other questions or concerns, we encourage them to contact Speedy **** directly at ***************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:08/02/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Alright so i obtained a 400 dollar title loan with this company. I understand the legitimacy behind the loan and etc.
However from day one I have been unable to access the loan via there online help forcing me to call and request info ?? on top off that there system refused to accept my bank.
I have since moved and my state does not allow them operating here and I have tried going to other stores where they claim it must go to that store at which they inform me my card won't work with them.
Ok so my 400 dollar loan i could have paid off a long time ago has since became a massive loan. One which makes me unable to sell my vehicle and our trade it.
So a temporary loan became long term with a criminally large interest. That i cant even access our pay.
I would like this repaired pls as I have requested resolution with the company with little to no help.
Business Response
Date: 08/08/2025
August 8, 2025
Better Business Bureau
****************
******************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by **** ******* (Complainant).******************************, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant claims they have been unable to access the loan online, forcing them to call and request information. They state that they have moved states,and their bank information is not accepted when they attempt to pay in store.They state the loan could have been paid off but due to this, it has become a massive loan and request for this to be repaired.
A review of TitleMax records revealed that on February 3, 2025, the Complainant opened a line of credit with a credit limit of $400.00 at a storefront in *******, **, with an initial advance of $400.00. The Complainant granted a security interest in a 2010 Chrysler Sebring with a VIN ending in ******. The first payment of $53.40 was due on March 7, 2025, and a second payment of $95.21 was due on April 7,2025.
Payment history indicates the Complainant has made two (2) payments in the total amount of $160.00 toward the outstanding balance. The account entered a past due status after payment was not made on May 7, 2025. As of the date of this response, the Complainants account currently has a past due balance of $701.29 but is subject to change due to interest and/or fees that may be accruing.
At the time of the line of credit origination, the Complainant signed a Secured Line of Credit Account Opening Disclosures and Account Opening Acknowledgement that clearly discloses the annual percentage rate in accordance with the Federal Truth-in-Lending Act and Regulation Z. The balance may be paid back at any time with no penalty for early payoff. Further, customers may cancel the agreement by returning the check by which TitleMax disbursed the line of credit proceeds or an equivalent amount of cash to us by the close of business on the business day following the date of the agreement.
Concerning the online issues, TitleMax is not aware of any issues with the online portal at this time. Please note the online portal is a convenient option offered, however, customers who are not able to view their account online should visit their local store location where they originated their line of credit.
To address the issue with the bank account, upon review, we did not find any information pertaining to the ***************** information not being accepted.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. TitleMax strives for excellent customer service and remains willing to work with the Complainant to assist them in paying back their loan. We encourage the Complainant to contact TitleMax ************** to establish a mutually acceptable repayment arrangement for this account.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:07/31/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I needed a loan for groceries the original loan amount was for 300.00. I was told and notified that the interest occurs daily and at the 300% daily interest charge. That is price gouging. So my 300 loan to repay in full will cost me about 600Business Response
Date: 08/04/2025
*****************
Thank you for the opportunity to respond to the complaint
filed by ****** ******* (Complainant). Concord Finance, Inc. and SCIL, Inc.,
both DBA Speedy Cash, members of the Community Choice Financial® family
of brands, appreciate 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 is price gouging and claims that it would cost
them about $600.00 to repay in full. They request a billing adjustment.
A review of
Speedy Cash records revealed that on May 8, 2025, the Complainant obtained a
loan for $309.00 at a storefront in Gulfport, MS. The loan was contracted to be
repaid in five (5) monthly payments of $101.76 beginning June 3, 2025, and a
final payment of $101.76, due November 3, 2025. On May 15, 2025, the
Complainant refinanced their existing loan of $222.75, borrowing an additional
$86.25. The loan was contracted to be repaid in five (5) monthly payments of
$96.25 beginning June 3, 2025, and a final payment of $96.21, due November 3,
2025.
The current
refinance was completed on May 30, 2025, in which the Complainant refinanced
their existing loan of $246.34, borrowing an additional $62.66. The loan was
contracted to be repaid in five (5) monthly payments of $105.55 beginning July
3, 2025, and a final payment of $105.58, due December 3, 2025. When the minimum
payment was not made on July 3, 2025, the account entered a past due status.
Payment history on the most recent refinance indicates there has been one (1)
payment made on the loan which was made on July 8, 2025, and the account was
brought back to a good standing. The outcome of the scheduled ACH payment of
$105.55 that was due August 1, 2025, is expected to be posted by August 6,
2025.
At the time of
loan origination, the Complainant signed an Installment Loan 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 Regulation Z. Furthermore, the original loan and
subsequent refinances were completed by the Complainant using Speedy Cash’s
online web application which allows the customer to move at their own pace to
ensure full understanding of any and all documents presented to them prior to
signing.
Speedy Cash
encourages customers to use this product as a short-term financial solution and
whenever possible, pay off early to avoid accruing interest. The balance may be
paid back at any time with no penalty for early payoff. On multiple occasions,
the Complainant has elected to refinance and obtain additional funds. In
addition, the Complainant has made at least one (1) late payment, resulting in
additional interest. Further, they have failed to make significant additional
payments to reduce their principal balance.
Speedy Cash is
committed to treating its valued customers in a fair, honest, and transparent
manner. TitleMax reasonably ensures that its development, delivery, and
servicing of products will not result in an act or practice that is unfair,
deceptive, or abusive. Speedy Cash ensures that all fees and interest charged
are in compliance with all applicable State and Federal laws and regulations.
Speedy Cash
believes that the conditions of the loan were clearly disclosed and finds no
discrepancy or concern in how the transaction was processed therefore no
billing adjustment will be provided. Should the Complainant have any additional
questions or concerns regarding their account, we encourage them to call our
Customer Service department directly at ###-###-####.
We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at ****************************.
Sincerely,
Consumer Protection
** *** ***
********** ** *****Customer Answer
Date: 08/04/2025
yes I am aware of the terms and that I requested the loans. I still think it is shady business to mark up 300% markup daily on a loan. I am a business student so I am well aware of what you guys are doing. I have a undergrad in business administration and a accounting minor. I am currently pursuing my masters in digital marketing. So I am well aware that Companies like yours target individuals who are down on their luck and it is so hard to repay back. I am also on disability and have been for 13 years. I borrowed the loans because we needed food to survive.
Regards,
****** *******Initial Complaint
Date:07/31/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I requested an auto-pay removal from the account. I was told to send an email request to customer service. I sent the request on Monday, July 28, 2025.The request was granted and approved via email on July 29, 2025. I called Speedy Cash today and was told the auto pay was for future payments and not the current payments. I was not informed of this originally by customer service, and even made arrangements. This is fraud and unethical. ***** *******Business Response
Date: 08/04/2025
August 4, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ***** ******* (Complainant).**********, DBA Speedy Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they emailed customer service to request to stop autopay on the account on July 28, 2025. The request was granted and approved via email on July 29, 2025. They claim they called Speedy Cash and were told the autopay was for future payments and not the current payments.
A review of Speedy Cash records revealed that on August *******, the Complainant obtained a loan for $1,000.000 online at **********************************. The loan was contracted to be repaid in eleven (11) monthly payments of $268.84 beginning September 30, 2024, and a final payment of $268.67, due August 30, 2025. On March 7, 2025, the Complainant refinanced their existing loan of $839.29, borrowing an additional $160.71. The loan was contracted to be repaid in eleven (11) monthly payments of $251.01 beginning March 30, 2025, and a final payment of $250.83, due February 28, 2026.
Between April 30, 2025, and May 27, 2025, the Complainant refinanced their loan on two (2) more occasions, borrowing an additional $386.31 total. The current refinance was completed on May 27, 2025, in which the Complainant refinanced their existing loan of $1,000.00, borrowing an additional $386.31. The loan was contracted to be repaid in eleven (11) monthly payments of $437.25 beginning June 30, 2025, and a final payment of $437.18, due May 30, 2026.
At the time of loan origination and each refinance, the Complainant signed a Speedy Cash (Unsecured) Installment Loan 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 **************** addition, they also signed an Optional Loan Payment Authorization (OLPA) 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. Furthermore, the original loan and subsequent refinances were completed by the Complainant using Speedy Cashs online web application which allows the customer to move at their own pace to ensure full understanding of any and all documents presented to them prior to signing.
Payment history on the most recent refinance indicates there has been one (1) payment made on the loan. When the minimum payment was not made on June 30, 2025, the account entered a past due status. On July 31, 2025,an attempt for their past due June and July payments was processed successfully in the amount of $874.50.
Regarding the Complainants request to remove automatic payments, it is important to note that a revocation of automatic payments does not suspend or terminate any collection efforts that may be in progress on a delinquent account. The Complainants account was delinquent prior to the request to unenroll from autopay; therefore, collection efforts were already in progress. As of the date of this response, the Complainants account is current with the next scheduled payment due on August 30, 2025. The Complainant will be responsible for manually making their payments as we have processed their request to revoke.
As Speedy Cash believes that the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing, the request for a billing adjustment is denied. For any other questions, the Complainant may contact us directly at **************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:07/22/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I currently have a title loan on a 2011 ******* MKX I have renewed the Loan one time and planned on paying it off this month but had other bills come up I dont see myself being able to pay the loan off with paying $500 a month that only go towards interest not the actual Loan
I called the store, but they were unable to provide any type of help on how I can get this paid off faster or any extensions. called customer service. They told me that I have to wait until my account is ******************************* the arrangements with them.
I am scared that my car will be repossessed trying to wait 16 days. I am needing some sort of help or communication on what I can do to get this paid off faster without paying an additional $500 a month.
Business Response
Date: 07/28/2025
July 28, 2025
Better Business Bureau
*************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). TitleMax of *********** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they contacted the store and the customer service department regarding an extension but were not provided with assistance.
TitleMax of **********, DBA TitleMax is a registered Texas Credit ********************* (CSO)and assists consumers in obtaining loans from willing, unaffiliated lenders.TitleMax services the loan but is not a lender in *****. TitleMax charges a CSO fee in the amount permitted by Texas law.
A review of TitleMax records revealed that on May 6, 2025, a loan was obtained with First Star Financial, LLC for $133.00 at a storefront in ******, **. The Complainant granted a security interest in a ************************************* J09327.The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $29.80 due on June 6, 2025, followed by three (3) monthly fees and interest payments of $29.33 beginning on July ******, and a final payment of $29.33 representing the final CSO fee and $138.52 representing the principal and lender interest, both due on October 6, 2025. On the same day, the Complainant refinanced their existing loan of $133.00, into a new loan with a thirty (30) day term, borrowing an additional $500.00. The loan was contracted to be repaid in full in the amount of $785.09 on June 6, 2025.However, to the extent the Complainant did not wish to repay the loan in full,they had the option to pay the outstanding interest and fees, refinance the loan,and enter into a new agreement.
Between May ******, and May 10, 2025, the Complainant refinanced their loan on two (2) more occasions, borrowing an additional $1,600.00 total. The final refinance was completed on June 14, 2025, in which the Complainant made a payment of $494.47 and refinanced their loan for the remaining balance of $2,233.00. The loan was contracted to be repaid in full in the amount of $2,723.79 on July 14, 2025
A review of the payment history on the most recent refinance indicates there have been no payments made on the loan. When the payment was not made on July 14, 2025, the account entered into a past due status. The Complainant currently has a past due balance of $2,868.07.
It is important to note that at the time of loan origination and refinance, the Complainant signed a Loan Agreement, Promissory Note and Security Agreement that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** signing the loan agreement, the *********** acknowledged their understanding of the terms and conditions of the loan.
TitleMax 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.
A review of our records indicates that the Complainant contacted customer service requesting assistance and they were advised to contact their local storefront, however we have no record of further communication from the Complainant directed to the storefront.
We believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing. TitleMax understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks such that making timely payments are difficult. We encourage the Complainant to contact their local TitleMax storefront at **************. For any additional questions or concerns regarding their account, we encourage the Complainant to contact TitleMax at *************.
We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
Sincerely,
Consumer Protection
PO Box 550
*******************Initial Complaint
Date:07/22/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have a title loan with Instaloan on Atlantic Blvd in Jacksonville, Florida and the contract states that I may provide my own insurance at any time. I called the local office to see what I needed to bring and was then told that I had to pay my new insurance 3 months in advance to make the change. It does not state that anywhere in the contract and when I questioned it, she sent me to Corporate. That was 7/10/25.
To date there is no resolution which should be simple. They cannot make up their own rules. The second time I called, the lady said I had to pay any interest due and one month advance insurance. Again, not in the Contract.
I have contacted the State Dept of Financial Regulation and an Agent is following this along with me, but I want to file a complaint because these people are outright harassing me for trying to change the outrageous insurance they forced me to take when I got the loan.
When I took my title loan out, I was told that day that I had to pay 3 months advance on the insurance if I took out my own policy so that is the only reason I chose their insurance to begin with. Obviously, I did not have the money to pay 3 months of insurance - I was there to get a loan because I needed money. Please feel free to contact me at any time.
Business Response
Date: 07/24/2025
****************
Thank you for the opportunity to respond to the complaint
filed by ******* ******** (Complainant). TMX Finance of Florida, Inc., DBA
InstaLoan, a member of Community Choice Financial® family of brands,
appreciates the role of the Better Business Bureau in resolving consumer
concerns. We are happy to provide this response.
To summarize, the Complainant states that they requested a
change to use their own insurance for the loan however they were informed that
the insurance had to be paid 3 months in advance which is not stated on the
contract. The Complainant claims they called a second time and were provided
different information. They state that they have been harassed for trying to
change the insurance.
A review of InstaLoan records revealed that on September 28,
2024, the Complainant obtained a loan for $1,583.85 at a storefront in
Jacksonville, FL. The Complainant granted a security interest in a 2001
Cadillac Seville with a VIN ending in ******. The loan was contracted to be
repaid in full in the amount of $1,657.21 on October 29, 2024. On October 18,
2024, the Complainant made a payment of $170.59 and refinanced their existing
loan of $1,424.75. The loan was contracted to be repaid in full in the amount
of $1,650.60, due November 17, 2024.
Between November 5, 2024, and July 14, 2025, the Complainant
refinanced their loan on twelve (12) more occasions. The current refinance was
completed on July 14, 2025, in which the Complainant made a payment of $197.08
and refinanced their existing loan of $1,424.75. The loan is contracted to be
repaid in full in the amount of $1,650.60, due August 13, 2025.
At the time of loan origination and each refinance, 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. In addition, the agreement includes
notices on Interest, Application of Payments; Prepayment, which states:
“Interest will accrue daily on
the outstanding principal balance. The interest rate is 35.9500% per year.
Interest accrues from the Loan Date until the Loan is paid in full. Interest
accrues based on the number of days elapsed over a 365-day year Lender calculates
and charges interest, including interest on past due principal, as permitted by
Chapter 516 and applicable regulations. If any finance charge or other fee is
held invalid, the remainder shall remain in effect. To the extent permitted by
law, for purposes of determining Lender’s compliance with the law, Lender may
calculate charges by amortizing, prorating, allocating and spreading. 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.”
Furthermore, multiple loan refinances were completed online
by the Complainant utilizing the online customer portal, which allows the
customer to move at their own pace and ensure adequate documentation review.
Please note that under a 30-day loan, the expectation is for
the customer to pay in full on or before the expiration date. Rather than
paying the balance in full, the Complainant elected to pay the outstanding
finance charges and enter into a new loan for an additional thirty (30) days on
multiple occasions, thereby accruing additional charges. The Complainant has
failed to make significant additional payments towards their principal balance
and has yet to make the payment in full. InstaLoan submits that all payments
have been properly applied to the account in accordance with the signed
agreement.
It is important to note that the Collateral Protection Plan
(“CPP”) is an optional product available to customers who do not have a
comprehensive and collision coverage through an outside party. At the time of
the initial loan completed in-store, the Complainant watched an informational
CPP video and was asked whether they want to use their own insurance or the
InstaLoan’s provided plan. The Complainant opted for the CPP and carried
coverage throughout the life of the loan.
If the Complainant wishes to cancel the CPP obtained through
InstaLoan, they must purchase their own comprehensive and collision coverage.
Customers must provide proof that they are listed as the owner and operator of
the vehicle, InstaLoan is listed as Loss Payee, there is a $500 deductible for
comprehensive and collision coverage, and the premium for the policy is paid
through the life of the loan. If the Complainant wishes to use their own
coverage and meets their requirements, they may bring the proper documentation
to the local storefront before their next refinance to ensure the CPP is
removed on the next refinance assuming the Complainant does not pay in full.
InstaLoan believes that the conditions of the loan were
clearly disclosed and finds no discrepancy or concern in how the transaction
was processed or the servicing of your loan and CPP. Should you have any
additional questions or concerns regarding your account, we encourage you to
contact the local storefront directly at ###-###-####.
We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at [email protected].
Sincerely,
Consumer Protection
PO Box 550
Cleveland, TN 37364Customer Answer
Date: 07/25/2025
I am just trying to change my insurance which is clearly stated in the contract that I may do at any time. I have all the paperwork necessary to make the change but this office keeps insisting I pay monies upfront to the make the change. The lady that says she is a manager (doubtful) keeps changing what I need to do - first it was 3 months advance on insurance, then it was any interest due and one month, then I asked if I brought the paperwork in could we make the change without additional monies due. She said bring it in and we will take it from there.
I have no intention of going in there to argue with her and waste my time and gas. There is no mention of having to pay additional fees to make the change. The reason I took their insurance to begin with was they insisted I pay 3 months advance on the insurance if I chose my own knowing I did not have the money to do that. There was no choice - I was there to get money to pay bills - not give them more to take out the loan.
My State Representative pointed out to me that the first $140.00 payment and $13.50 towing plus 0.02 doc stamps was the beginning of every payment I made. This contract renews monthly. I have been paying monthly since December 2024 and owe more now than the money I received - not even touching the principal. I was able to cut the insurance cost in half by choosing my own insurance but they refuse to accept it unless I pay them additional monies to make the change.
I am barely employed right now and yesterday when I checked to see how much I owe for this month, I discovered they are now calling in the full amount by August 13, 2025. This must not be allowed and someone needs to stop this. They are making up their own rules and I have a contract that states different. I have all intentions to continue my monthly payments, I was just trying to lower the payment by changing insurance so I could manage them better. These people are harassing me for no reason. Any help you can provide, would be very welcome. You can contact me at any time.
Regards,
******* ********
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