Complaints

This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Community Choice Financial, Inc.

  5165 Emerald Pkwy Ste 100 Dublin, OH 43017-1063

  
• 

  Community Choice Financial, Inc.

  170 N Wilson Rd Columbus, OH 43204-1263

  
• 

  Community Choice Financial, Inc.

  5327 Westpointe Plaza Dr Columbus, OH 43228-9131

  
• 

  Community Choice Financial, Inc.

  2013 Zettler Center Dr Columbus, OH 43223-6266

  
• 

  Community Choice Financial, Inc.

  140 S Sandusky St Delaware, OH 43015-2303

  

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

• Initial Complaint

  Date:10/31/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had some financial problems and have a payday loan with this company. I asked that they remove the ACH from my account. I did this verbally in the store and I was told it was removed. My account was then hit with another withdrawal from them. I then went in and gave a signed document saying I revoked the ACH payment for future debits from my account. On Oct 31, 2023, I have another pending withdrawal from my account.

  

  Business Response

  Date: 11/02/2023

  ******************
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). Buckeye Check Cashing of Tennessee, LLC., DBA Easy Money, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

  
  To summarize, the Complainant states they have a payday loan with this company. They state that they verbally asked in store that their ACH be removed from their account. The Complainant’s account was charged after this request was confirmed completed. The Complainant the went into the location and gave a signed document saying they revoke the ACH for future debits on their account. As of October 31, 2023, they have another payment withdrawn from their account. They request to be refunded the payment that was taken out of their account.

  
  A review of Easy Money records reveals that on February 4, 2023, the Complainant obtained a Flex Line of Credit with an initial advance of $1,454.37 at a store front in Nashville, TN. On February 20, 2023, the Complainant signed the Flex Line of Credit Repayment by EFT form agreeing to automatic payments. Upon visiting the store front in Nashville, TN, on October 6, 2023, the Complainant requested to be removed from automatic payments. A written request to stop automatic payments was received from the Complainant on October 13, 2023.

  
  Unfortunately, on October 30, 2023, the Complainant’s account was mistakenly processed for an ACH payment of $323.92. We sincerely apologize for this error. However, it appears the payment was returned unpaid on November 2, 2023. If the Complainant received an insufficient funds fee caused by this error, they may provide a bank statement to **************************** for reimbursement. It is also important to note that no more ACH payments will be processed. To make a payment, we urge the Complainant to call ###-###-#### or visit a storefront.

  
  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:10/19/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I entered into a vehicle title loan with Check into Cash Kansas LLC on July 31, 2023 in the amount of $5,000.00. I have had several strokes and have had difficulty with understanding financial matters. The loan interest was apparently 270%, and I thought it was 27%. I paid over $2,600 between August and today and still owed $5,200.00 on the loan. My sister and POA has been trying to bail me out of my financial problems and consequently was enraged when she found out the interest was 270%. According to Kansas law, they can only charge a rate maximum of 36% and only lend $2,500.00. I would like the company to refund the additional interest I paid and have this company investigated.

  

  Business Response

  Date: 10/20/2023

  ***************
  
  Thank
  you for the opportunity to respond to the complaint filed by **** ****** ******
  (Complainant). Check Into Cash of Kansas, 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 they entered into a vehicle title loan with
  Check Into Cash Kansas LLC on July 31, 2023, in the amount of $5,000.00. Due to
  several strokes, they have had difficulty with understanding financial matters.
  They thought the interest rate was 27% when the interest rate was apparently
  270%. After they paid over $2,600.00 between August and today, they still owed
  $5,200.00 on the loan. The Complainant states according to Kansas law they can
  only charge a rate maximum of 36% and only lend $2,500.00. They request a
  refund of the additional interest paid and to have the company investigated.
  
  A review of Check Into Cash
  records reveals that the Complainant obtained a Line of Credit Title loan with
  a credit limit of $5,000.00 on July 31, 2023, with an initial amount financed
  of $5,000.00 at a store front in Liberal, KS. The Complainant granted a
  security interest in a 2015 Chevrolet Silverado with a VIN ending in 202437. The loan was subsequently paid in full in the total amount
  of $5,201.18 on
  October 18, 2023, and the loan was closed.
  
  At
  the time of loan origination, the Complainant signed a loan agreement that
  clearly discloses the annual percentage rate, amount financed, and the
  repayment schedule in accordance with the Federal Truth-in-Lending Act and
  Regulation Z.
  
  Regarding
  the House Bill that the Complainant cited, Check Into Cash is committed to treating its valued customers in a fair,
  honest, and transparent manner. To honor that commitment, Check Into
  Cash has measures in place to ensure we comply with all federal and state laws.
  We deny any wrongdoing and, after reviewing the Complainant’s account, it
  appears that their loan meets the legal requirements.
  
  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:10/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Speedy cash I did take a loan from them at first they seemed ok,then all of a sudden I go to log into my account and it don't let me it tells me I gotta call the company to gain access so I call them for them to tell me that I need to resend in all my credentials all over again which I did once already I will not do it again they been pulling money out of my account after I told them not to I asked them why they need it they said they cannot tell me that absolutely not I feel it's a scam and I want to be refunded

  

  Business Response

  Date: 10/10/2023

  *****************
  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 took a loan from Speedy Cash and at first, they seemed okay but then all of a sudden, when they attempt to log into their account, it won’t let them. The online account tells the Complainant to call the company to gain access, so they called and were told that they needed to send in all their credentials again, in which the Complainant advises they already did. The Complainant states that they will not do it again and they have been pulling money out of their account after the Complainant had told them not to. The Complainant claims this feels like a scam because the Complainant asked why they needed the information, and they cannot tell them. The Complainant is requesting a refund

  .
  A review of Speedy Cash records reveals that on July 3, 2023, the Complainant obtained an Installment loan in the principal amount financed of $400.00 online at ******************* The loan was contracted to be repaid in 13 biweekly payments of $63.17, beginning on July 14, 2023, with a final payment of $63.10, due on January 12, 2024. On July 24, 2023, the Complainant paid the refinance fee of $22.26 and refinanced their existing loan for the principal amount financed of $376.28 to be repaid in 12 payments of $66.04, due biweekly beginning on August 11, 2023, and a final payment of $65.92, due on January 26, 2024. A review of the payment history indicates that due to nonpayment, the account was placed in a past due status on August 30, 2023. Thereafter, collection activities commenced as allowed by law.

  
  To restore the Complainant’s online access due to security purposes, an email was sent on September 29, 2023, requesting the Complainant to send a valid government-issued identification, a copy of their social security card, their most recent bank statement showing the last 30 days of activity, their name and account number, and proof of address dated within the last 30 days with their name and address. Unfortunately, without these documents, we are unable to provide online access to the Complainant at this time.

  
  In regard to the Complainant’s request to not have money pulled out of their account, as of October 6, 2023, we have honored the Complainant’s request to revoke their authorization for automatic payments. No further ACH attempts will be made to collect payment on the loan. All future payments will need to be initiated manually.

  
  Speedy Cash endeavors to assist our customers with all of their concerns and provide the best service possible. We sincerely apologize for the poor customer service and any frustration the Complainant may have experienced. We have forwarded their concern to management to investigate and act accordingly.

  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Unfortunately, a refund will not be provided at this time. Should the Complainant have additional questions or concerns, they are encouraged to call Speedy Cash Fraud Department 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
  ** *** ***
  ********** ** *****

  

  Business Response

  Date: 10/20/2023

  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.
  
  As
  stated in our previous response, in order to restore the Complainant’s online
  access, an email was sent on September 29, 2023, requesting the Complainant to
  send a valid government-issued identification, a copy of their social security
  card, their most recent bank statement showing the last 30 days of activity,
  their name and account number, and proof of address dated within the last 30
  days with their name and address. Should the Complainant have additional
  questions or concerns, they are encouraged to call Speedy Cash Fraud Department
  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 Complaints
  ** *** ***
  ********** ** *****

  Customer Answer

  Date: 10/25/2023

  I am rejecting this response because: there is no reason as to why you need that info all over again I did it already 
  
  
  
  Regards,
  
  
  
  ****** *****

• Initial Complaint

  Date:10/02/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Payday Loan have not been funded for 5 days.

  I have applied for a payday loan of $255 on Sept 27, 2023 through the online portal. After succesfull application and approval, they said I will recieve the fund within the next business day. However, I have not recieved anything up till now and today is Oct 2, 2023. I did call them last Friday because I should have received the fund on Thursday but they said they may have sent the money through the bank becuase the debit card I have already expired. I don't think it make much sense because if the card expiration date is Sept 23, 2023. How could the send the money there.

  After talking to the local rep. she told me to take the snapshot of my back transactions and help me cancel the loan. But we tried everthing and the end result still NONE. The require me to send the full bank statement showing that there is no deposit but I told them that I could not get the bank statem un next month. How funny is this, the term of the payday is 2 weeks, so they will withdraw $300 from my bank/debit card on Oct 5 2023!

   

  

  Business Response

  Date: 10/04/2023

  **************
  Thank you for the opportunity to respond to the complaint filed by **** ** (Complainant). California Check Cashing Stores, LLC, (CCCS) a member of the Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

  
  To summarize, the Complainant states they applied for a payday loan of $255.00 on September 27, 2023, through the online portal and was told they would receive the funds within the next business day. However, their loan has not been funded for five (5) days. They called Customer Service regarding the funds and thought the funds went to their debit card that expired on September 23, 2023. Customer Service requested a full bank statement showing there was no deposit, but the Complainant won’t get their bank statement until next month. The loan is due on October 5, 2023, and they are concerned the $300.00 payment will be withdrawn. The Complainant is requesting the cancellation of the loan and to stop withdrawal from their bank account or debit card. In addition, they request to have all their information removed from the company database as soon as possible.

  
  A review of CCCS records revealed the Complainant obtained a payday loan online on September 27, 2023, in the principal amount financed of $255.00, and requested funding to their debit card. The loan was contracted to be repaid in one payment in the amount of $300.00, due October 5, 2023. On September 27, 2023, the Complainant contacted Customer Service and expressed their concern for the funding due to their debit card being expired. In response, Customer Service stated to wait 24 hours and if funds are not received, to send in a bank statement showing the deposit was not received. After reviewing the account, it appears the Complainant’s financial institution did reject the deposit submitted by CCCS due to the debit card being expired. To rectify the failed funding, the loan was deleted on October 3, 2023, and no payment will be processed on October 5, 2023.

  
  Regarding the Complainant’s request to remove their information from the company database, we have submitted their request to our California Privacy team and the Complainant should expect to receive an acknowledgment of receipt within the next 10 days. It is important to note that by law, CCCS has forty-five (45) days to respond, and, if warranted, may extend such response time for an additional forty-five (45) days. Additionally, California Check Cashing Stores, as a state licensed lender under the Deferred Deposit Transaction Law (California Financial Code § 23000 et seq.) and California Financing Law (California Financial Code § 22000 et seq.) is subject to state record retention requirements. To comply with those regulatory requirements, most personal information we collect from recent customers or applicants is not subject to deletion. In addition, as a money service business, California Check Cashing Stores is subject to the federal Gramm-Leach-Bliley Act (Public Law 106-102), and as provided by state law (California Civil Code 1789.145(e)), the California Consumer Privacy Act may not apply if it is in conflict with federal law. Other exemptions also apply to information needed to prevent fraud (see California Civil Code § 1789.50(d)(2)) or subject to the Fair Credit Reporting Act exemption (California Civil Code § 1789.145(a)(1) and (d)).
  

  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
  ** *** ***
  ********** ** *****

• Initial Complaint

  Date:10/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ****** **** and their lawyer have been threatening me for the last few weeks on an unpaid loan that I supposedly have. They have said they will have me arrested and my life ruined if I did not pay back a balance owed to them . I have been trying to work with them. The only reason I found out about tis was that I checked my spam file as it was listed as a scam company. No one called me, no one sent me letters, only spammed emails. When I contacted the lawyer, Ms. ***** *******, of which it ahs only been email, who represented the company, her emails were both vicious and threatening. I asked for documentation, I asked to see what it was I did owe as I did not have any information or documentation.. If it was true i would pay. This woman kept saying I would go to jail. I made an installment payment of $258.00 and then I had an issue with my bank, I reached out to the company and offered to pay the balance in full on the 15th and lady lawyer said they do not have to wait my leisure, they say they need it now. She said she was gonna jail me. She has been nothing but rude and malicious to me and I just wanted to clear this mess up. She refused to answer any questions about the account saying the law was behind her. To this day I still have no documentation except a threatening so called legal letter with exorbitant fees but no proof I was even a customer for ****** pay. I simply cannot take this woman and this company at their word if the are unwilling to show me documents that I used their service. I have nothing in my records abt and wonder why they simply could not show me. I feel I've been scammed and now i feel like I'm being terrorized, All she had to do was show me proof I was a customer and she blatantly refused. I wanted to work them but not be treated like this.

  

  Business Response

  Date: 10/03/2023

  BBB Dispute Resolution Team:

  Thank you for the opportunity to respond to the complaint filed by ******* **** (Complainant). ****** 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 ****** **** and their lawyer have been threatening them for the last few weeks for an unpaid loan they supposedly have. They have threatened to send them to jail and ruin their life. They have only received spam emails and when contacting the lawyer, Ms. T**** *******, they were met with vicious and threatening emails. The Complainant states they paid an installment payment of $258.00 but had an issue with their bank. Their questions and requests for documentation of the debt were blatantly refused. They request no further contact from the business.

  A review of ****** **** records does not reveal any loan transactions under the name or personal information of the Complainant as provided in the complaint. Further, the Complainant’s email address is not on file in the ****** **** database. ****** **** strongly denies the correspondence mentioned within the complaint was from ****** **** or authorized on its behalf. ****** **** is not affiliated in any way with the person, “Ms. ***** *******”, mentioned in their complaint. The Complainant appears to be a victim of a debt collection scam.

  ****** **** abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics in order to collect legitimate debt. ****** **** is aware that, unfortunately, bad actors are posing as collectors for legitimate lenders in an attempt to defraud unsuspecting consumers by means of threats and harassment. ****** **** encourages consumers to report all such fraudsters to local law enforcement agencies. The Complainant may also contact ****** **** directly at ###-###-#### to determine the legitimacy of any call or correspondence in the event an unexpected communication is received from ****** Cash.

  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *******************@ccfi.com.

  Sincerely,
  PO Box *** / Cleveland, TN 37364
  Main Line: ###-###-#### / Fax Line: ###-###-####
  BSG – Consumer Complaints
  PO Box ***
  Cleveland, TN 37364

• Initial Complaint

  Date:09/28/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In the end of July beginning of August of this year I got a payday loan from check into cash they automatically took the loan payback out of my bank which was our agreement but they double charged me so I called my bank and told them to cancel one charge at that time my bank opened up a case review with my account and canceled the charge. I went into check into cash settled over payment and continued to do another loan and had several after that which went great!Well ****** bank (my bank) decided after case review to not be in my favor (which was completely wrong) so they gave Community Choice Bank (check into cash) $117.64 on Sept 15th. So they over paid them once again! I contacted the bank and they told me I have to settle it with Community Choice Bank so I've been goi g back and forth with them emailed bank statements emails from my bank ect and it's always something apperantly my bank statements aren't good enough.

  Now they are claiming I had 2 loans taken out which is NOT possible because they don't allow that. They state I had a loan on Sept 2nd and Sept 5th?? Makes no sense my bank statements show no money goi g into my account on Sept 2nd from them and it shows Sept 15th money came out and went to them. Mind you I paid them again on Sept 22nd for the loan on the 15th. I pay my loans biweekly.

  When ****** gave them the extra payment it was the only mo ey I had in my account. I'm a single mother going through hard times right now and that's why I had to seek a loan in the first place. I'm a nurse and work very hard for the little money I make.

  I just want my $117.64 back. I'm upset with ****** Bank for giving my money to Community Choice Bank and I'm upset with Community Choice Bank for not being honest about the situation. I emailed them again and again have made multiple phone calls and it's the same thing every time.

  

  Business Response

  Date: 10/02/2023

  BBB Dispute Resolution Team:
  Thank you for the opportunity to respond to the complaint filed by ***** ****** (Complainant). Check Into Cash of California, Inc. 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 at the end of July, beginning of August, they got a payday loan from Check Into Cash. The Complainant claims Check Into Cash automatically took the loan payback out of their bank, which was the agreement, but they double charged them. As a result, the Complainant called their bank and told them to cancel one charge, prompting the bank to open a case review with their account and cancel the charge. The Complainant went into Check Into Cash and settled the over payment then continued to do several loans. The Complainant’s bank decided after the case review, to not be in the Complainant’s favor and gave Community Choice Bank (Check Into Cash) $117.64 on September 15, 2023, paying them over again. The Complainant contacted their bank and was told to settle it with Community Choice Bank. They have since been going back and forth with them, emailing bank statements and apparently the bank statements are not good enough. The Complainant states that they were told that they had two (2) loans taken out on September 2 and 5, which is not possible, because they do not allow that. They claim their bank statements show no money going into their account on those dates, but money came out on September 15, 2023. The Complainant states that when their bank, ******, gave them the extra payment, it was the only money they had in their account and are requesting a refund of the $117.64. They are upset at ****** Bank for giving their money to Community Choice Bank and with Community Choice Bank for not being honest.
  A review of Check Into Cash records reveals that on July 21, 2023, the Complainant obtained a payday loan with Check Into Cash in the principal amount of $100.00 at a storefront in *******, California. The loan was contracted was to be repaid in one (1) payment of $117.64 due on July 28, 2023. A review of the payment history shows two (2) payments made via debt card in the amount of $117.64 on July 28, 2023. To remedy the error, Check Into Cash issued a cash refund in the amount of $117.64, to the Complainant on August 3, 2023. On August 17, 2023, the debit card payment of $117.64 was returned and as a result, the loan was placed into a past due status.
  The same day the payment was returned, the Complainant agreed to a PTP arrangement to pay the past due loan balance. On August 25, 2023, a payment in the amount of $117.64 was made, paying the loan in full.
  The Complainant obtained a payday loan with Check Into Cash online in the principal amount of $100.00 on August 5, 2023. The loan was contracted to be repaid in one (1) payment of $117.64 due on August 25, 2023. A payment was made in the amount of $117.64 on August 25, 2023, paying the loan in full.
  Regarding the claim that the Complainant did not obtain a loan on September 2, 2023, and September 5, 2023, Check Into Cash records indicate that on September 2, 2023, the Complainant obtained a payday loan with Check Into Cash online in the principal amount of $100.00. The loan contracted was to be repaid in one (1) payment of $117.64 due on September 22, 2023. A payment was made in the amount of $117.64 on September 9, 2023. Another loan was obtained on September 15, 2023, with Check Into Cash online in the principal amount of $100.00. The loan contracted was to be repaid in one (1) payment of $117.64 due on September 22, 2023. A payment was made in the amount of $117.64 on September 22, 2023.
  Check Into Cash endeavors to assist our customers with all of their concerns and provide the best service possible. To address the Complainant’s statement of being advised that the bank statement provided was not sufficient, the payments made on August 25, 2023, reflect on the bank statement provided along with the funds requested for the loan obtained on August 5, 2023, and September 2, 2023. We sincerely apologize for the poor customer service and any frustration you may have experienced. Accordingly, we have forwarded your concerns to our management team.
  After careful review of the Complainant's account, Check Into Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transactions were processed. Regrettably, a refund will not be provided at this time. If the Complainant has any further questions regarding their refund or loan account, we encourage them to contact Check Into Cash directly ###-###-####.
  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 *******************@ccfi.com.
  Sincerely,
  BSG – Consumer Complaints
  PO Box ***
  Cleveland, TN 37364

• Initial Complaint

  Date:09/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In June I received a loan from Speedy Cash in the amount of $1250. I setup an allotment for the scheduled amount with the understanding that the loan will be paid off in 6 months. For the last 5 months I have paid them 350.00 per month ($1750) and received notification that non of those funds went towards paying off that account and that in order to pay off the account I will need to pay a additional $1650. Speedy Cash has false advertisement and is ripping off people. The funds they receive monthly is used to hold the account open and they're charging me an additional cost to have the account. Please help!

  

  Business Response

  Date: 09/27/2023

  ******************
  Thank you for the opportunity to respond to the complaint filed by ****** ******** (Complainant). SCIL Texas, LLC, Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving ******** concerns. We are happy to provide this response.

  
  To summarize, the Complainant states that in June, they received a loan from Speedy Cash in the amount of $1,250.00. They state they set up an allotment for the scheduled amount with the understanding that the loan will be paid off in six (6) months. For the last five (5) months, the Complainant has paid them $350.00 per month ($1,750.00) and received notification that none of those funds went towards paying off that account and that in order to pay off the account, they would need to pay an additional $1,650.00. They claim Speedy Cash has false advertisements and is ripping people off. They claim to be charged an additional cost to have the account. The Complainant is requesting to close the account and honor the agreement of six (6) payments of $350.00 per month.

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

  
  A review of Speedy Cash records reveals that on May 1, 2023, the Complainant obtained a Texas 6-Month Payday loan with Ivy Funding Ninety-Six, LLC online at www.speedycash.com, with an effective date of May 2, 2023, in the principal amount financed of $1,250.00. The loan was contracted to be repaid in four (4) CAB fee payments of $350.00, due monthly beginning June 1, 2023, with a final payment of $1,652.05 representing the principal, final CAB fee, and lender interest due October 1, 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. By signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan. Additionally, the Customer signed the Speedy Cash Credit Services Disclosure statement that also disclosed the payment schedule, including CAB fees and the final payment due upon loan maturity.

  
  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 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 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,
  *** – ******** Complaints
  ** *** ***
  ********** ** *****

• Initial Complaint

  Date:09/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Sept 6 I took a loan out for 255, i paid it back on the 7th of Sept $300 was taken from my bank then again 0n the 10th of Sept they took out another $300 for the same loan I would like my money back i contacted speedy cash they informed me they needed my bank statements to show it was taken out twice so i emailed them that info not once but three times without any reply from them so i am reaching out to the BBB to please help me with this matter attached are my documents from bank thank u for your time

  

  Business Response

  Date: 09/27/2023

  ***********************
  Thank you for the opportunity to respond to the complaint filed by ******** ******** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  To summarize, the Complainant states that in September 6, 2023, they took a loan out for $255.00, which they paid back on September 7, 2023, in the amount of $300.00. On September 10, 2023, they claim Speedy Cash took out another $300.00 for the same loan. The Complainant contacted Speedy Cash and was advised to send their bank statements to show it was taken out twice. They emailed that information three times without any reply, so they are reaching out to the BBB for help with this. The Complainant is requesting a refund.
  A review of Speedy Cash records reveals that on August 16, 2023, the Complainant obtained a payday loan in the principal amount financed of $255.00 online at www.speedycash.com. The loan was contracted to be repaid in one (1) payment of $300.00 due September 5, 2023. On September 1, 2023, the Complainant completed a due date change to September 9, 2023, online at www.speedycash.com. The loan was subsequently paid in full by the Complainant online at www.speedycash.com in the total amount of $300.00 on September 6, 2023. The same day, the Complainant obtained a payday loan in the principal amount financed of $255.00 online at www.speedycash.com. The loan was contracted to be repaid in one (1) payment of $300.00 due September 19, 2023. On September 9, 2023, the Complainant completed a due date change to September 23, 2023, online at www.speedycash.com. The loan was subsequently paid in full by the Complainant online at www.speedycash.com in the total amount of $300.00 on September 10, 2023. In response to an email the Complainant sent informing us of a double payment being processed, Speedy Cash advised them via email on September 13, 2023, to call Customer Service.
  After careful review of the Complainant's account, we submit there was no double payment taken from the account, therefore, no refund will be provided.
  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
  ** *** ***
  ********** ** *****

• Initial Complaint

  Date:09/21/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to purchase a cashiers check from **** ** *******. I was told that due to the amount of the check that I would have to wait 10 days for it to clear. they would advance me $500 and in 10 days i could pick up the rest. I agreed. On July 11th I went to pick up the remaining balance. At this point I was told that there was a 500 dollar fee to cash the check. i refused to accept that but was told that the check had already been cashed and that i could either accept it and get some of the check or get nothing.

  

  Business Response

  Date: 09/25/2023

  *****************
  Thank you for the opportunity to respond to the complaint filed by **** ***** ******** ******** (Complainant). California Check Cashing Stores, 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 purchased a cashier’s check from **** ** ******* and were told that due to the amount of the check, they would have to wait 10 days for it to clear. While waiting for the check to clear, they stated they were advanced $500.00 and in 10 days would be able to pick up the rest, which they agreed to. On July 11, 2023, when they went to pick up the remaining balance, they were told that there was a $500.00 fee to cash the check. The Complainant refused to accept that but was told that the check had already been cashed and they could either accept it and get some of the check or get nothing. The Complainant is requesting a refund.
  A review of California Check Cashing Stores records reveals that on July 6, 2023, the Complainant cashed a **** ** ******* cashier’s check of $5,000.00 at a storefront in San Francisco, CA, where a fee of $500.00 (10%) was charged. California Check Cashing Stores is a licensed check casher business in the State of California and follows all state laws and regulations governing check cashing rates.
  At the time the check was cashed, both the Complainant and the store representative signed the Partial Payment form agreeing the amount of $500.00 would be immediately dispersed to the Complainant while the remaining balance of the check of $4,000.00 would be dispersed once the check clears from a deposit hold. California Check Cashing Stores records indicate the check cleared as of July 15, 2023, and the Complainant was dispersed the remaining $4,000.00 on July 17, 2023.
  Additionally, as required by California law, California Check Cashing Stores clearly discloses all fees charged to cash checks in the lobby of all locations including the location the Complainant visited to complete the check cashing transaction. Prior to completing the transaction, California Check Cashing Stores representatives provided the Complainant with the amount of cash back they would receive. Cashing the check with California Check Cashing Stores was completely optional and California Check Cashing Stores does not force consumers to use our check cashing services. Given the disclosure of fees and the absence of any violation of California laws governing check cashing rates for the type of checks cashed, regrettably, a refund will not be given at this time.
  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: 10/05/2023

  The response is guided by the legal requirements of the business and a desire to not implicate themselves individually or as a business entity. While the response was well written it does not match the facts of the case. 

  1. While California law does allow a check cashing entity or bank to charge 10 percent and more that fee must be in plain sight to all customers.

  2. There is no document with my signature on it stating that I was aware of the fee for cashing the check.

  3. Even though the state permits charging in excess of 10 percent to cash a check that was put in place for the event that a small check was being cashed (think of a 50-dollar check) there is no reasonable person who would agree to paying $500 to cash a cashier's check in their name when they possess a valid picture id (driver's License) and is of sane mind and body. 

  When I went to pick up the remaining balance of my funds, I was told that I would be paying a fee of $500 whether I liked it or not. That the business didn't work for free and there was nothing I could do about it. As much as I tried to make my claim the check had already been cashed.

  Regards,
  
  
  
  **** ***** ******** ********

  

  Business Response

  Date: 10/26/2023

  **************
  Thank you for the opportunity to respond to the complaint
  filed by **** ***** ******** ******** (Complainant). California Check Cashing
  Stores, 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.
  
  As stated in our
  initial response, to adhere to California law, California
  Check Cashing Stores clearly discloses all
  fees charged to cash checks in the lobby of all locations including the
  location the Complainant visited to complete the check cashing transaction.
  
  On July 6, 2023, the Complainant signed
  a Partial Payment form agreeing to a partial payment of $500.00 while waiting
  for the check to clear. Please note the state of
  California does not limit or enforce fees charged to provide check cashing
  services for checks outside of Government issued, personal, and payroll checks.
  As the check cashed was not a government issued, personal, or payroll checks,
  but rather, a cashier’s check, CCCS charged the posted rate of 10% for the $5,000.00
  check. It is also important to note our check cashing service is completely optional,
  and the Complainant was not forced to utilize the service we offer. We submit
  there was no violation of California laws governing check cashing rates and
  that the terms of the check cashing service were clearly disclosed to the
  Complainant.
  
  As requested by the Complainant, a copy of the signed Check
  Cashing Agreement and the Partial Payment Agreement have both been mailed to
  the address provided on the complaint.
  
  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
  ** *** ***
  ********** ** *****
  
  

  Customer Answer

  Date: 11/02/2023

  I did sign the partial payment agreement which was a document created by the initial teller at the check cashing location which stated that I would be given $500 on that day and would be able to pick up the rest of the funds in 10 days. I do not have a copy. I was not given a copy of it. I would be willing to receive a copy sent to me or to have them upload it digitally. 

• Initial Complaint

  Date:09/21/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My loan payment or interest of payment to Easy Money was due on Thursday Aug 3, 2023. I called Easy Money on Wed August 2, 20923 and told them I forsee a problem paying by the due date. 

  
  I asked if they could make arrangements for me to make payments, they said no to call corporate. The number I was given by them was disconnected. I called back and told them. They said I had until Monday.

  ***************
  
  

  

  Business Response

  Date: 09/27/2023

  ********************
  Thank you for the opportunity to respond to the complaint filed by ****** ****(Complainant). Easy Money, Insight Capital, LLC (easymoney), 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.
  The Complainant states their loan payment or interest payment to Easy Money was due on Thursday August 3, 2023, and on Wednesday August 2, 2023, they called Easy Money to tell them they foresee a problem paying by the due date. They asked if they could make payment arrangements but were told no and to contact corporate. The number they gave the Complainant was disconnected. The Complainant called back and was advised they had until Monday. On August 5, 2023, they called Easy Money to confirm they would be in to pay the interest on Sunday, August 6, 2023. They asked the representative to put notes in the computer so they would know they made arrangements to come in on Sunday, August 6, 2023.
  When the Complainant went to easymoney to pay on their loan on August 6, 2023, the representative said their check was on hold to be deposited on Monday August 7, 2023. They asked since the transaction was on hold if they could stop the transaction and were told no. On Monday morning, the Complainant went to ******* **** to try to stop payment because they knew they did not have the amount of the check in their account and because it would cause all of their insurance payments to be returned and they did. Due to easymoney going back on their agreement with the Complainant, they had over $100.00 in overdraft fees, plus the extra fees that easymoney charged them for return fees and late fees. The Complainant is requesting all overdraft fees and fees charged by easymoney be refunded.
  Additionally, the Complaint states they were able to make an arrangement with two payments to pay off the loan on August 17, 2023, with the easymoney Resolutions Department. Despite making the arrangement, they were called twice by the easymoney storefront. They feel this is harassment, unprofessional, and unorganized.
  A review of easymoney’s records revealed that on July 3, 2023, the Complainant obtained a Payday loan in the principal amount of $350.00 at a store front in *********** *** The loan was contracted to be repaid in one payment in the amount of $411.25 due on August 3, 2023. A review of the payment history shows when the Complainant did not pay for their loan on the due date, their loan check was deposited on August 4, 2023, as outlined in the loan agreement. The payment would ultimately be returned on August 11, 2023, and consequently, a $30.00 Return Item fee was assessed to the account making the total amount owed $441.25. On August 15, 2023, the Complainant agreed to a repayment arrangement of two payments with the first payment due on August 31, 2023, in the amount of $100.00, and the final payment to be due in the amount of $341.25 due on September 29, 2023. On August 17, 2023, they contacted easymoney’s customer service department stating they were upset the store was contacting them despite making an arrangement. The Complainant made a payment on August 21, 2023, in the amount of $125.25 which made the remaining balance owed $316.00. Another payment was made by the Complainant on August 30, 2023, in the amount of $116.00 which made the total amount owed $200.00. The full balance was satisfied when the Complainant called on September 20, 2023, and made a payment in the amount of $200.00.
  At the time of loan origination, the Complainant signed and agreed to the Deferred Presentment Agreement which included a section titled Method of Payment and disclosed the following statement; “Your personal check in the amount of the total of payments stated in our disclosures will be held by us until the presentment date. If you have not paid us in cash or by other good funds instrument in the amount of the Total of Payments on or before the presentment date, you authorize us to deposit the check. We may truncate the check or use other commercially reasonable means to effect deposit of the check. If payment is made in person prior to the deposit of your personal check we will return the check to you at the time we receive the payment.”

  
  By signing the loan agreement, the Complainant acknowledged that they are provided with a copy of the loan agreement and further acknowledged that they have read, understand, and agree to all the disclosures and terms of the loan agreement. It is also 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. We believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing in the handling of the account. Per the Complainant’s request, a copy of their loan documents has been sent to the address listed in the complaint.

  
  Easy Money endeavors to assist our customers with all their concerns and provide the best service possible. In response to the conversation the Complainant states they had with the store on August 2, 2023, the payment was initiated according to the agreement repayment date. We apologize for the frustration or any miscommunication the Complainant may have experienced. We have forwarded the Complainant’s concern to management to investigate and act accordingly. As a gesture of goodwill, we are happy to refund the loans fees and the returned item fee for a total of $91.25.

  
  To address the alleged harassing phone calls from the store after they set up a payment plan, after further review, the corporate location contacted the customer twice for courtesy payment reminders. Easy Money abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics in order to collect legitimate debt. As a courtesy, we have updated the Complainant’s account to ensure they will no longer receive communication.
  

  
  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 *****************************
  **********
  *** – Consumer Complaints
  ** *** ***
  ********** ** *****

  Customer Answer

  Date: 10/10/2023

  BBB transcribed from handwritten letter received via US Mail:
  
  BBB * I received your letter on Oct.3, 2023 (Tuesday) dated Sept. 26, 2023
  
  October 3, 2023
  
  Dear Better Business Bureau
  Attn: ********* **********
  Re: BBB Complaint ID ********
  Community Choice Financial INc.
  Rejecting Business REsponse
  
  I am rejecting the above companies response because although they returned the elaborate fee’s that I was charge by their establishment for the returned check, the point is I shouldn't have been charged the fee’s if Easy Money would have a company of principle and help up to our verbal phone agreement.
  
  According to Easy Money, our phone calls are recorded so this can be easy proven.
  
  Also I had 5 overdraft payments because of the company failed to adhere to the agreement and it cost me 36.00 per overdraft which amounted to 180.00 with Region’s Bank only.
  
  According to their contract agreement under Roll over / Extended Repayment, on page 3 it states that, the Lender (Easy Money) may agree to no more than 1 Roll over on this loan.
  
  If the borrower is unable to repay the outstanding balance in full, the lender at its discretion offer to extend repayment to 4 equal installments (monthly) in accordance with (illegible) code 5-18A-12(c)
  
  At their discretion they agreed to let me come in Sunday August 6th to pay them. When I came in August 6th, 2023, the check was already on hold to be deposited on Monday. (It should be on their recording)
  
  Also when I finally got to make arrangements from their company to repay I was told I had to pay in 2 monthly installments instead of 4. Easy Money didn’t abide by any of their agreements, and it cost me 180.00. I don’t want an apology, I want my money for the overdraft fees I was charged simply because Easy Money went back on their word, and agreements. I kept mine.
  
  Thank you,
  ****** ** ****
  
  (copies enclosed) are 4 of their overdrafts of 36.00 that I was required to pay back to my bank.