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
- 445 total complaints in the last 3 years.
- 133 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:12/20/2023
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 loan with title max I was not told about the exorbitantly high rate at 17.00 a day or the 486.00 customary i was mislead and I want my title back
Business Response
Date: 12/22/2023
December 22, 2023
Better
Business Bureau
1169
Dublin Road
Columbus,
OH 43215
RE: BBB Complaint ID ********
BBB
Dispute Resolution Team:
Thank
you for the opportunity to respond to the complaint filed by ********* ***** (Complainant).
TMX Finance of Tennessee, Inc., DBA TitleMax, 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 a loan with TitleMax and was
not told about the exorbitantly high rate of $17.00 a day or the $486.00
customary. They state they were misled and request their title back.
A review
of TitleMax records reveals that on July 28, 2023, the Complainant obtained a
Secured Line of Credit with a credit limit of $4,000.00 at a storefront in
Memphis, TN, with an initial cash advance of $300.00. The Complainant granted a
security interest in a 1994 Ford Mustang with a VIN ending in ******. Open credit involves billing periods
and reoccurring minimum payments of interest and principal based on the balance
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.
It
is important to note that at the time of the loan origination, the Complainant
signed a Secured Line of Credit Account Opening Disclosures and Account Opening
Acknowledgement that clearly disclosed the annual percentage rate in accordance
with the Federal Truth-in-Lending Act and Regulation Z. By signing the loan
agreements, the Complainant acknowledged their understanding of the terms and
conditions of the loans.
A
review of the payment history indicates there have been four (4) payments made
on the loan. When the payment was not made on December 7, 2023, the account
entered a past due status. The Complainant’s past due balance of $4,874.33.
As
we believe that the conditions of the loan were clearly disclosed and cannot
find any evidence of wrongdoing, the request to return the title will not be
accepted at this time. TitleMax strives for
excellent customer service and remains willing to work with the Complainant to
assist them in paying back their loan. We encourage the Complainant to contact
TitleMax at ###-###-#### to arrange a mutually
acceptable repayment arrangement for this account.
We hope that we have fully addressed the
complaint. Should the Complainant or Better Business
Bureau require further explanation, we may be reached at *****************************
Sincerely,
BSG
– Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 01/02/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: ********
I am rejecting this response because:
Regards,
********* *****Initial Complaint
Date:12/20/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got a loan from title max in Johnson city Tennessee on south roan street. The loan was a title loan for 800$ on my dodge ram truck. I’m trying to get my truck title back but everytime I pay off a good amount of the loan it is 200$ more by the time the next payment time rolls around because they are adding money that I owe to the loan each day. I payed it down to 775$ after the first time it had went up and it is already back up to 910$ by the next payment date which is on Dec 24 2023 and it will have more added by that time. I can’t help but feel like I am being scammed and that I will never be able to get my title back to my truck because they are adding more and more money to the loan each day. I would like to see if there is anything that can be done because I would like to get my title back but it seems impossible and that I am being scammed. Thank you in advance.Business Response
Date: 12/22/2023
*****************
Thank
you for the opportunity to respond to the complaint filed by ******* ***** (Complainant).
TMX Finance of Tennessee, Inc., DBA TitleMax, appreciates the role of the
Better Business Bureau in resolving consumer concerns. We are happy to provide
this response.
To summarize, the Complainant states that they have been trying to get back
their title but every time they pay off a good amount of the loan, it is
$200.00 more by the next payment time. They state that they paid down to
$775.00 after the first time it went up, and it’s already back up to $910 by
the next payment date which is December 24, 2023. The Complainant states that
they cannot help but feel like they are being scammed and that they will never
be able to get their title back. They request something to be done because they
would like to get their title back.
A review
of TitleMax records reveals that on October 25, 2023, the Complainant obtained a
Secured Line of Credit with a credit limit of $800.00 at a storefront in
Johnson City, TN with an initial cash advance of $800.00. The Complainant
granted a security interest in a 1998 Dodge Ram 2500 with a VIN ending in ******. Open credit involves billing periods
and reoccurring minimum payments of interest and principal based on the balance
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.
It
is important to note that at the time of the loan origination and each
refinance, the Complainant signed a Secured Line of Credit Account Opening
Disclosures and Account Opening Acknowledgement that clearly disclosed the
annual percentage rate in accordance with the Federal Truth-in-Lending Act and
Regulation Z. By signing the loan agreements, the Complainant acknowledged
their understanding of the terms and conditions of the loans.
A
review of the payment history on November 11, 2023, a payment was made in the
amount of $100.00. On December 21, 2023, another payment was made in the amount
of $167.08. The Complainant currently has a balance of $741.97.
We
believe that the conditions of the loan were clearly disclosed and cannot find
any evidence of wrongdoing. 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 at ###-###-#### to
arrange 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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:12/13/2023
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.
On dec 8th 2023, I walked into Check Into Cash to cash a 401k Hardship check.
Upon completing the process, I was informed the store did not have enough cash to cover my transaction & that i could either take half cash & the rest on prepaid debit card or all on card.
I chose the half cash option because the cashier informed me that i could get the rest of my money off of the card without any transaction or atm fees 2 days later when they had enough cash on hand.
Two days later the store is closed, I called the store phone number & was routed to their sister store, Easy Money. The agent at the sister store informed me that the original store was closed due to electrical issues & the manager was on PTO. When asked about retrieving money from the card without fees, I was told by them & the district manager of both locations that this was not possible & i would have to pay fees unlike what the cashier who cashed my check explained.There is footage of our interaction via the cameras they have in their store. This is shady, unfair, & untruthful of this company.
Business Response
Date: 12/18/2023
*********
Thank you for the opportunity to respond to the complaint filed by ****** ******** (Complainant). Buckeye Check Cashing of Tennessee, LLC., DBA Check Into 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 December 8, 2023, they went to Check Into Cash to cash a 401k Hardship Check. Upon completing the process, they were informed the store location did not have enough cash to cover the transaction, and that they could take half cash & the rest on a prepaid debit card or have all the funds on the card. They state they chose the half cash option because the cashier informed that they could get the rest of the money off of the card without any fees two days later when they had enough cash on hand. Two days later they returned to the location and found out the store was closed due to electrical issues. The sister store, EasyMoney, advised them that this was not possible, and they would have to pay fees. They feel this is shady, unfair, and untruthful. They request to retrieve the funds without ATM or transaction fees as promised.
A review of Check Into Cash records reveals that on December 8, 2023, the Complainant cashed a check from ******* ********** in the amount of $2,386.40, at a storefront in Clarksville, TN. A check cashing fee in the amount of $119.32 was assessed and the Complainant agreed for the funds of the check to be dispersed partially via cash and on a card. After a thorough review, we have determined the Complainant was not advised that they could withdrawal the funds without any fees. The Complainant has spoken to the District Manager regarding their options of withdrawing the funds from the card, including transferring the funds to another account at no charge or visiting the store location to withdrawal the funds off the card with a fee of $12.00.
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 Complaints
** *** ***
** *** *** * ********** ** *****
Main Line: ###-###-#### / Fax Line: ###-###-####
********** ** *****Initial Complaint
Date:11/22/2023
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.
The IRS issued a check in my name but sent it to the wrong address. The check was then cashed to someone else without verifying that their ID matched the check.Business Response
Date: 12/01/2023
Thank
you for the opportunity to respond to the complaint filed by ***** ****** (Complainant).
Buckeye Check Cashing of Michigan, Inc., DBA 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 the IRS issued a check in their name but sent
it to the wrong address. Then the check was cashed to someone else without
verifying their ID matched the check. They have added a picture of the check
that cashed by Buckeye Check Cashing of Michigan, Inc. They request a
replacement.
A review of Checksmart records reveal that on April 10, 2021, a check was
cashed from the
U.S. Treasury using the Complainant’s
non-public information in the amount of $1,100, at a
storefront in ********** *** A check cashing fee in the amount of $55.00 was assessed. The check cleared for deposit on April
18, 2021.
Checksmart recognizes the seriousness of
identity theft and has extensive measures in place to help mitigate the
fraudulent use of unlawfully obtained data. Accordingly, the
Complainant’s account has been forwarded to our Identity Theft department and
the Complainant has been provided with an Identity Theft packet via the email
address provided on their complaint which includes instructions for pursuing a
claim of fraud and the documents necessary for an investigation.
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 Complaints
** *** ***
********** ** *****Customer Answer
Date: 12/13/2023
I accept the business's response to resolve this complaint.
Regards,
***** ******Initial Complaint
Date:11/21/2023
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 been affected by identity theft and have observed unauthorized transactions and unusual activities associated with my identity. I've reported this to the police, but I require additional support to address this situation. My goals are to recoup my financial losses, restore my good name, and seek your assistance in deleting this Inquiry from my credit report. I would appreciate your help in resolving this issue.Business Response
Date: 11/22/2023
BBB
Dispute Resolution Team:
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 states that they have been affected by identity
theft and have observed unauthorized transactions and unusual activities with
their identity. They state that they have reported this to the police but
require additional support to address this situation and assistance in deleting
this inquiry from their credit report. The Complainant is requesting correction
to their credit report.
A review
of Speedy Cash records reveals that on March 10, 2022, an Installment Loan was obtained online at www.speedycash.com
in the principal amount financed of $360.00 using the Complainant’s personal
information. The loan was contracted to be repaid in five (5) monthly payments
of $116.84, due beginning on April 3, 2022, and a final payment of $112.04, due
September 3, 2023. A review of the payment history shows three (3) payments
made on the loan with a final payment of $338.73 made on April 1, 2022, paying
off the loan in full.
Speedy
Cash recognizes the seriousness of identity theft and has extensive measures in
place to help mitigate the fraudulent use of unlawfully obtained data. If the
Complainant is claiming they are a victim of identity theft, an investigation
into the claim is necessary. Accordingly, we have forwarded the Complainant’s
account to our Identity Theft department for investigation and will be in
contact with the Complainant. A review of our records shows the Complainant’s
account has been forwarded to our Identity theft department, which will be in
contact with the Complainant.
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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:11/20/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I reached out on 11/13 to see if I’m able to make a payment arrangement I had a payment on 11/16 which was made. Then today I got an email that my payment of $277.50 was unsuccessful. I have no other way to pay I have no money to make up that payment. I reached out to customer service to explain the situation. My account is overdrawn. I spoke with an agent and she said that I run the risk of getting charged off. And mentioned something about an involuntary payment. I am on a fixed income and I’m barely making it. My paycheck is going to be Friday because it is a holiday this Thursday. I didn’t work a lot of hours this week. This is. The first time I have missed a payment and I cannot afford to make this one. My income is fixed and I’m barely making it.Business Response
Date: 11/22/2023
*************
Thank
you for the opportunity to respond to the complaint filed by ****** ******* (Complainant).
Buckeye Check Cashing of Florida, Inc., d/b/a Cash Central, d/b/a Community
Choice Financial a member of Community Choice Financial® family of
brands, appreciates the role of the Better Business Bureau in resolving
consumer concerns. We are happy to provide this response.
To
summarize the Complainant states on November 13, 2023, they reached out to make
a payment arrangement. They state they received an email that their payment on
November 16, 2023, of $277.50 was unsuccessful. Their account is overdrawn, and
they cannot afford to make the payment due to not working a lot of hours this
week. They request contact by the business and a billing adjustment.
A
review of Cash Central records revealed that on October 2, 2023, the
Complainant obtained a Payday Loan online in the principal amount financed of
$500.00. The loan was contracted to be repaid in one payment of $555.00, due
October 12, 2023. On October 6, 2023, the Complainant requested a 28-day
courtesy move which modified the payment due date to November 9, 2023. On
November 2, 2023, the Complainant entered into an Extended Payment Plan
dividing the balance due into two (2) equal payments, with the first payment of
$277.50, due November 16, 2023, and the final payment of $277.50, due November
24, 2023. On November 20, 2023, a payment was returned in the amount of $277.50;
consequently, the account was assessed a Return Fee of $40.00 which made the
total outstanding balance $595.00.
As
we believe that the conditions of the loan were clearly disclosed and cannot
find any evidence of wrongdoing in the handling of the account, a billing
adjustment will not be provided at this time. However, as a gesture of
goodwill, Cash Central has waived the Return Fee of $40.00. Additionally, an
ACH revoke has been applied to the account to stop automatic payments from
occurring. Please note, the Complainant is still responsible for making their
payments manually.
Cash
Central understands that unforeseen circumstances may occasionally arise that
result in temporary financial setbacks. Accordingly, Cash Central 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
Cash Central at ###-###-####
discuss repayment options.
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,
*** – Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 11/27/2023
I accept the business's response to resolve this complaint.
Regards, Once I have the funds available I will be reaching out
****** *******Initial Complaint
Date:11/13/2023
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I accepted a payday loan of $500 on October 2nd. The original due date was 10/12 I was going out of town due to a family emergency. I had asked to go on a payment plan in hope that things would get back on track unfortunately my hours were cut I am on a fixed income and I’m barely making it. Today 11/13 I reached out to see if there were options to set up arrangements to pay. I was told that due to the extended payment plan I’m on the agent is unable to move it. I explained that my account is going to overdraft and I cannot afford to have it happen and she didn’t say anything. I cannot afford an overdraft I have bills and other obligations to pay. She said if the payment doesn’t go through it will go into the in house collections. I have previously had loans in the past and they were successfully paid and now there isn’t any accommodations. I am not very happy. I am on a fixed income and I’m barely making it.Business Response
Date: 11/17/2023
*********************
Thank you for the opportunity to respond to
the complaint filed by ****** ******* (Complainant). Buckeye Check Cashing of
Florida, Inc. DBA Cash Central, 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 November 13, 2023, they contacted
Cash Central requesting payment arrangements but were advised due to the
extended payment plan they are on, the agent is unable to move it. The
Complainant explained that their account will overdraft and they have bills and
other obligations to pay. The Complainant states that the agent advised that if
the payment did not go through, it will go into the in-house collections. The
Complainant states that they had loans in the past and they were successfully
paid and now there are not any accommodations. The Complainant is requesting a
billing adjustment and contact from the business.
A review
of Cash Central records reveals that on October 2, 2023, a Florida Payday loan
was obtained online in the principal amount financed of $500.00. The loan was
contracted to be repaid in full in the amount of $555.00 on October 12, 2023.
Cash Central
understands that unforeseen circumstances may occasionally arise that result in
temporary financial setbacks such that making timely payments are difficult. Accordingly, the Complainant agreed
to a payment arrangement of two payments with the first payment due on November
16, 2023, in the amount of $277.50, and the final payment to be due in the
amount of $277.50 due on November 24, 2023. A review of the payment history
shows a payment of $277.50 made on November 16, 2023. [NA1]
At the
time of loan origination, the Complainant signed and agreed to the AMENDMENT OF
THE CONSUMER LOAN AGREEMENT TO ESTABLISH AN EXTENDED PAYMENT PLAN which
included the following statement: “By signing below, you certify that you have
read and understand this Agreement and agree to be bound by these terms. You
certify that the information provided by you is true and accurate to the best
of your knowledge and belief. You acknowledge that: (a) you have read,
understand, and agree to all of the terms and conditions of this Agreement your
Loan Agreement, including the Arbitration and Waiver of Jury Trial Agreement
and all ACH debit entries authorized by you pursuant to the terms hereof,
including, without limitation, the ACH Authorization; (b) this Agreement
contains all of the terms of the agreement between us regarding the subject
matter hereof and that no representation or promises other than those contained
in this Agreement have been made; (c) this Agreement was filled in before you
signed it; and (d) you have the ability to print or retain a copy of this
Agreement. You further acknowledge that all of the terms of the Loan Agreement
remain enforceable except as amended herein.” It is important to note that
customers are never required to repay a debt through recurring electronic
payments. At no time did the Customer revoke their payment authorization.
As we believe
that the conditions of the loan were clearly disclosed and cannot find any
evidence of wrongdoing in the handling of the account, a billing adjustment
will not be provided at this time. If the Complainant
has any questions or concerns regarding their account, we encourage them to
contact Cash Central, 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,
*** – Consumer Complaints
** *** ***
********** ** *****
[NA1]Can
we add that line that unforeseen circumstances here. I just want to emphasize
that we are already working with the customer on a payment arrangement.Business Response
Date: 11/17/2023
*********************
Thank you for the opportunity to respond to
the complaint filed by ****** ******* (Complainant). Buckeye Check Cashing of
Florida, Inc. DBA Cash Central, 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 November 13, 2023, they contacted
Cash Central requesting payment arrangements but were advised due to the
extended payment plan they are on, the agent is unable to move it. The
Complainant explained that their account will overdraft and they have bills and
other obligations to pay. The Complainant states that the agent advised that if
the payment did not go through, it will go into the in-house collections. The
Complainant states that they had loans in the past and they were successfully
paid and now there are not any accommodations. The Complainant is requesting a
billing adjustment and contact from the business.
A review
of Cash Central records reveals that on October 2, 2023, a Florida Payday loan
was obtained online in the principal amount financed of $500.00. The loan was
contracted to be repaid in full in the amount of $555.00 on October 12, 2023.
Cash Central
understands that unforeseen circumstances may occasionally arise that result in
temporary financial setbacks such that making timely payments are difficult. Accordingly, the Complainant agreed
to a payment arrangement of two payments with the first payment due on November
16, 2023, in the amount of $277.50, and the final payment to be due in the
amount of $277.50 due on November 24, 2023. A review of the payment history
shows a payment of $277.50 made on November 16, 2023. [NA1]
At the
time of loan origination, the Complainant signed and agreed to the AMENDMENT OF
THE CONSUMER LOAN AGREEMENT TO ESTABLISH AN EXTENDED PAYMENT PLAN which
included the following statement: “By signing below, you certify that you have
read and understand this Agreement and agree to be bound by these terms. You
certify that the information provided by you is true and accurate to the best
of your knowledge and belief. You acknowledge that: (a) you have read,
understand, and agree to all of the terms and conditions of this Agreement your
Loan Agreement, including the Arbitration and Waiver of Jury Trial Agreement
and all ACH debit entries authorized by you pursuant to the terms hereof,
including, without limitation, the ACH Authorization; (b) this Agreement
contains all of the terms of the agreement between us regarding the subject
matter hereof and that no representation or promises other than those contained
in this Agreement have been made; (c) this Agreement was filled in before you
signed it; and (d) you have the ability to print or retain a copy of this
Agreement. You further acknowledge that all of the terms of the Loan Agreement
remain enforceable except as amended herein.” It is important to note that
customers are never required to repay a debt through recurring electronic
payments. At no time did the Customer revoke their payment authorization.
As we believe
that the conditions of the loan were clearly disclosed and cannot find any
evidence of wrongdoing in the handling of the account, a billing adjustment
will not be provided at this time. If the Complainant
has any questions or concerns regarding their account, we encourage them to
contact Cash Central, 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,
*** – Consumer Complaints
** *** ***
********** ** *****
[NA1]Can
we add that line that unforeseen circumstances here. I just want to emphasize
that we are already working with the customer on a payment arrangement.Customer Answer
Date: 11/17/2023
I accept the business's response to resolve this complaint.
Regards,
****** *******Customer Answer
Date: 11/17/2023
I accept the business's response to resolve this complaint.
Regards,
****** *******Initial Complaint
Date:11/10/2023
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.
Speedy Pay required me to sign up for an account. After the account, which included official personal information, was created, Speedy Pay informed me that they were unable to provide loans in the State of Illinois. This was never conveyed to me in any form prior to signing up. When I requested my personal details, the reply from customer service was, "Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated." I find it objectionable that (1) they never posted this policy or any warning that they would continue to hold my information for no other reason, (2) they have no reason whatsoever to correspond with me in the future as there have never business between us, (3) the only reason for keeping my information would be for future marketing purposes, (4) I am in jeapordy as there is a risk of my personal information falling into unauthorized parties, (5) without the legal contract in the way of any transactions between us I have no recourse for protection in case of (the previous point, i.e., number 4), (6) I was given no prior warning of the consequences of creating an account with them, (7) I was given no prior warning of them being unable to provide with the the service I sought, (8) it(*word rejected*) me off to no end when a company holds on to my personal information in this way. I hope you would be able to intercede and facilitate a resolution before I active pursue legal means.Business Response
Date: 11/16/2023
*********************
Thank
you for the opportunity to respond to the complaint filed by ****** ***** (Complainant).
Speedy Cash, a member of Community Choice Financial® family of
brands, appreciates the role of the Better Business Bureau in resolving
consumer concerns. We are happy to provide this response.
To summarize, the Complainant states that
Speedy Pay made them sign up for an account. After the account was created,
which included official personal information, Speedy Pay informed them
that they were unable to provide loans in the State of Illinois. They claim
this information was not disclosed to the Complainant before they were prompted
to set up the account profile. They state that when they requested their
personal details to be deleted, the reply from customer service was,
"Unfortunately, we are unable to honor your request to delete your account
information as we are legally required to keep your information on file. Note
that you will only receive future communications from Speedy Cash that are
legally mandated." They are requesting Speedy Cash to remove all of the
information gathered during account creation.
To comply with both federal and state regulatory
requirements, we are legally obligated to maintain certain records, including
the personal information we collected from the Complainant. Unfortunately, this
information cannot be deleted from our system at this time. It is important to
note Speedy Cash takes reasonable administrative, technical, and physical
security precautions to protect personal information we collect or maintain
against loss, unauthorized access, and illegal use or disclosure.
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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:11/08/2023
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.
On October the 26th 2023, I made a settlement agreement with TitleMax to pay off a debt of $1,700 which was supposed to be three payments, first payment October 13th, the second payment november the 13th, the third payment which would be the last payment on December the 13th, these installments of $572.00, I spoke with a lady name ***** and made my payments through her. The initial conversation I had with ***** was in order to get my car out of repo status which is a 2011 Dodge Avenger I would have to make that $572 payment, I stated to her I would try to gather the money up to make that first payment, I wasn't sure when I can do that, so I extended the first payment date out to october the 13th for the first payment. I was able to get the money together early, so I call ***** back, I believe it was the next day to make that first payment which was september the 26th, 2023, but, I had stated to ***** that payment that I was paying that day would be for the first installment payment for October 13th, 2023. ***** went on to mention the seventh of each month, and that she would be sending a contract through my email which I never received. I had clarified it when she made that statement about the 7th of each month that was not correct. I told her I wanted my payments to be made on the 13th for those three months until paid in full, that was the verbal agreement over a recorded line, on october the 30th 2023 I heard a noise outside my apartment, it was a tow truck driver trying to tow my vehicle. I went outside I spoke with the tow truck driver and he was very belligerent towards me, then my oldest son came out to talk to him he was belligerent towards my son as well, I asked the driver of the tow truck again what are you doing He said he had orders to pick the car up from Title Max I asked to see the paperwork he refused to let me see any type of paperwork, I told him it was a mistake, I told him he needed to verify he refused to do so, I told him I made my payment. I told him to let me get my items out of the vehicle, I was only able to get a few items, I still have remaining items in the vehicle that has not been returned to me. The tow truck driver made a statement in front of me and my son that title Max do this all the time to people. I personally have tried to resolve this issue speaking with management, supervisors, directors of the recovery with no resolution, that's why I am filing this complaint. **Business Response
Date: 01/17/2024
Thank you for forwarding **** *****’s complaint to TitleMax of Missouri,
Inc. d/b/a TitleMax (“TitleMax”). Within the complaint to the Better Business
Bureau, the complainant alleges their vehicle was repossessed after scheduling and
paying the first payment on their payment arrangement.
The complainant entered a twenty-four (24) month
Consumer Installment Loan Agreement (the “Agreement”) with TitleMax
(“TitleMax”) on June 2, 2021, in the original principal amount of $ $1,020.50
(the “Loan”) and pledged her 2011 Dodge Avenger (the “Vehicle”) as collateral.
Pursuant to the terms of the Agreement, the complainant was required to make
twenty-three (23) monthly installment payments of $148.20 beginning on June 30,
2021, and one (1) final payment of $145.73 on May 31, 2023, to satisfy and
discharge their obligations under the Agreement. However, the complainant refinanced
the Loan and added additional funds. After refinancing the loan and adding additional
funds, the complainant became late on their payments. A few payment arrangements
were agreed upon, but the complainant broke the promise to pay. A final payment
agreement was agreed upon; however, due to the complainant being far behind on
their payments, the vehicle was repossessed on October 31, 2023. After reinstating
the payment arrangement, the vehicle was returned to the complainant. On
January 8, 2024, a settlement was completed with the complainant.
Based on the
above, no wrongdoing on the part of TitleMax is found. Nevertheless, we remain
committed to providing excellent customer service. Due to the settlement
agreement, we consider this matter closed.
Thank you.Initial Complaint
Date:11/07/2023
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 revoked permission for speedy cash to take money from my account via email as they requested and now they seem to be attempting it again as i have two prenotes from them in my bank history and i demand they stop this fraudBusiness Response
Date: 11/09/2023
*******************
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 states they revoked permission for Speedy Cash to take money from their account via email as they requested but there are two prenotes from them in their bank history. They demand all attempted withdrawals from their bank be stopped before legal action is pursued.
A review of Speedy Cash records reveals that on June 24, 2023, an Open-End Bank Line of Credit with a credit limit of $650.00 was obtained online at www.speedy.com, with an initial advance of $650.00. The first payment of $25.82 was due July 14, 2023, and a second payment of $102.75 was due July 28, 2023. 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 Regulation Z. Additionally, the Complainant also signed an Optional Loan Payment Authorization that authorized and instructed 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.
After an unsuccessful payment, the account entered a past due status on July 29, 2023, and collection activities commenced as permitted by law. The account entered a past due status a second time on August 12, 2023. On August 25, 2023, the Complainant added a new debit card online and signed another Optional Loan Payment Authorization for the new payment information. On September 11, 2023, a promise to pay previously agreed upon by the Complainant was broken after non-payment. It is important to note that customers are never required to repay a debt through electronic payments.
A review of our records shows that the Complainant did not revoke their payment authorization until November 7, 2023. Upon receipt of the Complainant’s email request on November 7, 2023, an ACH revoke was promptly processed. As a result, the Complainant must process payments manually. Should the complainant have additional questions regarding their account, we encourage them to contact our Customer Service Department at ###-###-####.
** *** *** * ********** ** *****
Main Line: ###-###-#### / Fax Line: ###-###-####
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 Complaints
** *** ***
********** ** *****
Community Choice Financial, Inc. is BBB Accredited.
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