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.
- 132 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:09/18/2023
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.
Just had someone call threatening me in court that I had borrowed money and I’ll need to go to court, clearly a phishing attempt as I read other reviews. Still crazy that they call people in your family and threaten them too. Companies like this should never exist and need to be handled by the ftc. I’ve never used this service either and if it shows I did somehow then someone has clearly stolen my info
Business Response
Date: 09/20/2023
*****************
Thank you for the opportunity to respond to the complaint filed by **** ******** (Complainant). 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 claims they had someone call stating they had borrowed money and threatening them and their family members with court. They state this call is clearly a phishing attempt and companies like this should never exist and need to be handled by the FTC. They have never used this service either and if it does show, then someone has clearly stolen their information. They request to be contacted by the business.
Based on the Complainant’s information provided within the BBB Complaint, we are unable to identify a customer account with Community Choice Financial® family of brands. The Complainant appears to be a victim of a debt collection scam. Community Choice Financial strongly denies the correspondence mentioned within the complaint was from Community Choice Financial or authorized on its behalf. Furthermore, Community Choice Financial abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics in order to collect legitimate debt. Community Choice Financial 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.
Community Choice Financial encourages consumers to report all such fraudsters to local law enforcement agencies. Additionally, the Complainant may contact Community Choice Financial directly at ###-###-#### to determine the legitimacy of any call or correspondence claiming to be from Easy Money.
** *** *** * ********** ** *****
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 *****************************
Sincerely,
*** – Consumer Complaints
** *** ***
********** ** *****Initial Complaint
Date:09/15/2023
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 entered into a title pawn with the “ TitleMax of Georgia, Inc. d/b/a TITLEMAX **** ******* ***** ***** ***** ********* ** *****“ I made my final payment in august, which guaranteed the release of my title to my 2006 Honda Accord. The title was supposed to be mailed to my listed mailing address but was sent to the branch; I advised them of the error and was told it’ll be sent via USPS. The representative “ *******” stated she mailed it on August 29,2023. However I’ve yet to receive my title as of September 14,2023. I’am requesting that titlemax send my vehicle title to my listed address on file due to failure to deliver after all fees were paid in my behalf. The branch representative stated there was nothing she could do if it never got delivered. If I’am to be contacted I would like for it to be a representative from headquarters and not the branch that I visited.Business Response
Date: 01/15/2024
Thank you for forwarding Mr. Alex Jones’ complaint to
TitleMax of Georgia, Inc. d/b/a TitleMax (“TitleMax”)
TitleMax personnel spoke
to Mr. Jones on August 29, 2023, to inform him that they are sending his title
and it will be arriving soon. The TitleMax personnel verified and confirmed Mr.
Jones’ address. However, on October 3, 2023, we received the title as returned mail,
and considered non-deliverable. TitleMax always strives for excellent customer service
and if this is still an issue, urges Mr. Jones to contact the TitleMax location
with which his account was affiliated and a TitleMax personnel will be happy to
answer any questions he may have.
Sincerely,
TitleMaxBusiness Response
Date: 01/15/2024
Thank you for forwarding Mr. **** *****’ complaint to
TitleMax of Georgia, Inc. d/b/a TitleMax (“TitleMax”)
TitleMax personnel spoke
to Mr. ***** on August 29, 2023, to inform him that they are sending his title
and it will be arriving soon. The TitleMax personnel verified and confirmed Mr.
*****’ address. However, on October 3, 2023, we received the title as returned mail,
and considered non-deliverable. TitleMax always strives for excellent customer service
and if this is still an issue, urges Mr. ***** to contact the TitleMax location
with which his account was affiliated and a TitleMax personnel will be happy to
answer any questions he may have.
Sincerely,
TitleMaxCustomer Answer
Date: 01/16/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 20605805
I am rejecting this response because: The location personal gave false information regarding my title and stated they were not responsible for losing my title; the title was reported stolen after a months time from the date they stated it had been mailed. The title they have on hand is no longer good and should still be replaced by them due to the inconvenience.
Regards,
Alex JonesCustomer Answer
Date: 01/16/2024
The location personal gave false information regarding my title and stated they were not responsible for losing my title; the title was reported stolen after a months time from the date they stated it had been mailed. The title they have on hand is no longer good and should still be replaced by them due to the inconvenience.
Regards,
**** *****Initial Complaint
Date:09/14/2023
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.
This is a pay day advance loan I got & paid for in full on 9/1/2023. The store stated the my online account website would be updated in 2 3 - 5 business days if the company debits my account from their end, vs. me initiating the payment from my end. If I paid it myself, my online account would be updated immediately to reflect a payment. If they take the funds out of my account as a debit, which is what happened on 09/01/2023. So I expected my online account to reflect this bill as paid after 3 - 5 business days. It has not been updated as of 09/14/2023, 2 weeks later. I e-mailed them 09/11 or 09/12/2023 to ask them to update my account to show paid. I sent them a screenshot of my bank transaction showing my payment cleared 09/02/2023. They wrote me back stating what I sent was unacceptable, then instructed me on the 6 things I needed to send back so they can update my account. I complied and sent them back every single thing they asked for. They then e-mailed me back sating I need to call them to better help me with zero acknowledgement of all the things I sent. I refuse to call. I did my part. I e-mailed them back everything they asked me for in order to show my bill was paid, their auto debit cleared my account on 09/02/2023. I e-mailed them back that I will not call. I did what I was asked to do in order to prove this payment cleared. They not only refuse to answer me by e-mail, they're also refusing to update my account to show it is PAID. Please help me get this resolved so I can leave these people alone and never give them another dime after YEARS of being a customer. Thank you for all.Business Response
Date: 09/19/2023
********************
Thank you for the opportunity to respond to the complaint
filed by ****** ***** (Complainant). Insight Capital, 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 this is a pay day
advance loan they got and paid for in full on September 1, 2023. The store
stated the Complainant’s online account website would be updated in 3-5
business days if the company debits the account from their end, which is what
happened on September 1, 2023. The Complainant expected their online account to
reflect this bill as paid after 3-5 business days. As of two (2) weeks later on
September 14, 2023, it still has not been updated. The Complainant claims they
e-mailed the company to ask them to update their account to show paid and
included a screenshot of their bank transaction showing the payment cleared September
2, 2023. In response, the company wrote the Complainant back stating what they sent
was unacceptable and instructed the Complainant on the six (6) things they
needed to send back so the account can be updated. After the Complainant
complied and sent everything required, they received an e-mail stating the
Complainant needed to call them to better help the Complainant, with zero
acknowledgement of all the things the Complainant sent. The Complainant refuses
to call, claiming they did their part. They allege the company is not only
refusing to answer by e-mail, but that the company is also refusing to update the
account to show it is paid. They request a billing adjustment to reflect the
account as paid and to be contacted by the business.
A review of Check Into Cash records reveals on June 2, 2023,
the Complainant obtained a loan online in the principal amount of $500.00 to be
repaid in one (1) payment of $587.50 due on July 3, 2023. It appears that on
July 10, 2023, the scheduled payment was returned, which caused the account to
be in a past due status and accrue a $30.00 return fee. On September 7, 2023,
an ACH payment initiated on September 1, 2023, of $587.50 was successful,
leaving the remaining past due balance owed of $30.00.
As a goodwill gesture, we have waived the $30.00 fee
resulting from the return of the Complainant’s scheduled payment or
insufficient funds, and the loan is now paid in full. We appreciate your
continued support as one of our valued customers.
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: 09/20/2023
I accept the business's response to resolve this complaint.
Regards,
****** *****Initial Complaint
Date:09/08/2023
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.
I took a title loan a few months ago. Today September 7, 2023 I paid $599.27, which was the balance left to pay off my loan. The confirmation number given to me was ********* and the account number is ********************* I went to pick up my car title at the Title Max store located at 8505 Springdale Rd., Austin, TX. 78754.
A lady there proceeds to tell me that now I have to wait seven days to get my title. I asked her why do I have to wait and she said "because we want to make sure that you don't dispute the charge with your bank, we have had people that dispute the last payment and tell their bank that they didn't authorize that transaction to get their money back."
I became very upset and couldn't believe that she said that. What gives you all the right to talk to someone like that, implying that we are some sort of criminals? I'm going to put this on all social media platforms. It's no wonder all of the Title Max stores have an "F" rating with the BBB, the Better Business Bureau.
What gives you all the right to hold the title of my vehicle, after the loan has been paid off? I should have the title of my vehicle in my hands right now. Get the title for my car to me as soon as possible.
I will also be contacting Title Max CEO, ***** ***** and letting him know of how his stores are treating customers. Don't underestimate me and do the right thing at least once. I can only imagine what other customers are going through. Your business practices are questionable and your staff lack the people skills to communicate properly.
Mrs. ********* *******
###-###-####Business Response
Date: 01/15/2024
Thank you for forwarding Ms. ********* *******’s complaint
to TitleMax of Texas, Inc. d/b/a TitleMax (“TitleMax”)
Within the complaint to the Better Business Bureau,
Ms. ******* alleges she was told there’s a seven-day hold on receiving her
title because of recent customer disputing payments after receiving their
title.
Ms. ******* originally entered into a 30-day
transaction with TitleMax acting as a Credit Services Organization (“CSO”). At the end of the thirty (30) day term, the entire amount of
the Loan becomes due and owing, as outlined in the Loan Documents. To the
extent she did not wish to repay the entire balance she could, at a minimum,
pay the CSO Fee and interest and refinance the Loan for another thirty (30)
days and enter into a new CSO Contract with TitleMax and a new Agreement. Ms. ******* elected to refinance her loan on
several occasions.TitleMax has investigated the allegations in the letter
and the investigation reveals no wrongdoing on TitleMax’s part. According to
TitleMax records, Ms. ******* made a full payment on September 7, 2023. As a
result, the title was released the same day. Therefore, Ms. ******* has
received her title and this matter has been resolved.
Sincerely,
TitleMaxCustomer Answer
Date: 01/17/2024
If you are doing your own investigation, how can you possibly find any wrongdoing? You are a company of no integrity. The title was given to me, a week after I paid my loan off. I’ll make sure to pass this along anywhere that I can post it. I expected integrity at least from higher ups, but you are all the same.
Regards,
********* *******Initial Complaint
Date:09/05/2023
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.
8/31/23 CheckSmart in Harper woods Mi…. Overdrafted my bank account, taking out $677 without permission, I paid them in cash what i owed $677 on 8/30/23… Today is 9/5/23 and i have yet to receive my refund!! And account is overdrawn of $628 including an overdraft fee of $15….Business Response
Date: 09/12/2023
***************
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 that on August 31,
2023, CheckSmart in Harper Woods, Michigan over drafted their bank account,
taking out $677.00 without permission. The Complainant advises they paid
$677.00 in cash on August 30, 2023. As of September 5, 2023, they have yet to
receive their refund and their account is overdrawn by $628.00 including an
overdraft fee of $15.00. They request a refund.
A review of CheckSmart records reveals that on July 19,
2023, the Complainant obtained a Payday loan in the principal amount financed
of $600.00at a store front in Harper Woods, Michigan. The loan was contracted
to be repaid in one (1) payment of $677.35 due August 4, 2023. On August 4,
2023, the Complainant enrolled in a payment plan that included three (3) bi-weekly
payments beginning August 11, 2023, with the first payment due in the amount of
$225.79, with the second and third final third payment due in the amount of
$225.78 that was contracted to be repaid in cash on the specified dates. They
paid the $18.69 processing fee for the payment plan on the date of the payment
plan origination. After payment was not received from the Complainant for the
payment plan on August 11, 2023, an ACH payment was requested in the amount of $677.35
but returned unpaid on August 21, 2023. As a result, the account was assessed a
$31.14 Returned Item Fee. On August 30, 2023, the store front agreed to provide
a rebate in the amount of $31.14 for the Returned Item Fee returning the
balance to $677.35. In the same day, the Complainant made a cash payoff of
$677.35 at the store front satisfying the balance in full.
Regarding the concern that payment was taken without
permission, at the time of loan origination, the Complainant signed and agreed
to the Deferred Presentment Service and Disclosure Agreement which included a
section titled Default and Authorization For Election Payment and
disclosed the following statement; “In the event
of lost checks or failure to honor for any reason, you, the Customer, agree
that we have the right to electronically transfer funds from your bank or
credit union account for any payments or fees due after the agreed upon
Maturity Date. In the event that any check or electronic fund transfer debit is
dishonored and you are in Default, you authorize us to obtain payment via image
cash letters (ICL), demand draft(s), remotely created checks (RCCs) or remotely
created payment order(s) on your account. This authorization allows us, our
agents or servicers to create one or more ICL, demand drafts, RCCs or remotely
created payment orders in amounts that do not exceed the total amount you owe
us. We or our agents or servicers may then present or direct the presentment of
such ICLs, draft(s), RCCs or order(s) for payment against your account,
provided that no more than two presentments of any such draft, RCC or order has
been dishonored. If your financial institution pays all the amounts owing as
requested, your debt to us under this Agreement will be extinguished.” By signing the agreement, the Complainant pre-authorized
automatic bank drafts in the event of a default. We submit there was no
unauthorized payment taken from the account.
Once the ACH payment cleared
successfully on September 6, 2023, the Complainant was contacted by the store
location informing them they are able to
obtain their refund at the store front. Records reflect on September 6, 2023,
the Complainant was issued a cash refund in the amount of $677.35.
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:08/30/2023
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 stay on hold for up to an hour without getting anyone. I am trying to get a copy of my contract with the amount I owe. I cannot stay on the phone for an hour to try and pay you and I do not get anybody. I email them all the time but all they say is they cannot discuss account information via email. They will not even send me my contract via email My account number is **********. That is the only information I was able to obtain. I did speak with collections about getting my contract all they did was transfer me to customer service and once again I stayed on hold for 30 minutes and had to hang up.Business Response
Date: 09/01/2023
********************
Thank you for the
opportunity to respond to the complaint filed by ****** **** (Complainant). CCF
of Missouri, LLC, Dba Cash Central, 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 claims they stayed on hold for up to an hour without getting
anyone. They are trying to get a copy of their contract with the amount they
owe. They state they cannot stay on the phone for an hour to try and pay
without getting anybody. The Complainant states they email the company all the
time but all they say they cannot discuss account information via email. They
state they will not even send their contract via email. The Complainant alleges
they are only able to obtain the account number from the company which is
**********. They state they spoke with collections about getting their contract
and they transferred the Complainant to customer service where once again, they
stayed on hold for 30 minutes and had to hang up.
A review of Cash
Central records reveals that on April 29, 2023, the Complainant obtained an
Installment loan online in the principal amount financed of $500.00 with an effective
date of May 1, 2023. The loan was contracted to be repaid in 23 monthly payments
in the amount of $307.55 beginning May 23, 2023, with a final payment in the
amount of $306.56 due on April 23, 2025. 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. A copy of the loan agreement has been sent to the address
provided in the complaint.
A review of the
payment history shows the Complainant made two (2) payments towards their
outstanding loan balance. On May 10, 2023, the Complainant’s request to disable
automatic payments was promptly honored. On July 23, 2023, when payment was not
made, the account entered a past due status. Cash Central understands that
unforeseen circumstances may occasionally arise that result in temporary
financial setbacks such that making timely payments are difficult. Accordingly,
Cash Central is willing to discuss mutually satisfactory repayment arrangements
in order to assist you in paying back your loan. We encourage you to call our
Customer Relations Department, reachable at ###-###-####, to discuss repayment options.
In response to the
Complainant’s claim that customer service couldn’t provide assistance through
email, our primary concern is ensuring security for our customers. As part of
our security protocols, we are unable to assist with certain transactions via
email. Instead, we encourage our customers to contact us directly for any
account-related requests.
Regarding the long
hold times, on occasion, we may experience extended
delays during peak times, and we appreciate the patience of our customers. We
do apologize for any inconvenience this may have caused. Cash Central endeavors to assist our
customers with all their concerns and provide the best service possible. In
addition, Cash Central is committed to treating its valued customers in a fair,
honest, and transparent manner. Accordingly, we have promptly forwarded your
concerns to management to ensure that appropriate measures are taken to improve
our customer service.
We hope that we
have fully addressed the complaint. Should the Complainant or the Better
Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer
Complaints
** *** ***
********** ** *****Customer Answer
Date: 09/20/2023
***************
Good afternoon,
I have received my contract and sent the contract to ******* ***** ***** to represent me in getting this debt settled and paid.
Again, I am willing to work with Cash Central but I do not want ACH payments due to past issues and I do not want to stay on hold for an hour every month to make a payment and there is no option online to make payments.
Thank you for your assistance in getting this contract for me.
Sincerely,
****** ****Business Response
Date: 09/22/2023
As previously
stated in our response, the Complainant’s request to disable automatic payments
was promptly honored on May 10, 2023. No further ACH attempts will be made to
collect payment on the loan. All future payments will need to be initiated
manually. Accordingly, Cash Central is willing to discuss mutually satisfactory
repayment arrangements in order to assist you in paying back your loan. As part
of our security protocols, unfortunately, we are only able to assist with
certain transactions via phone call. We encourage you to call our Customer
Relations Department, reachable at ###-###-####, to 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: 09/25/2023
I accept the business's response to resolve this complaint.
Regards,
****** ****Customer Answer
Date: 11/01/2023
Date of transaction is 11/1/2023. You have a complaint on file previously. My ACH was stopped and I informed them I am going through ******* ***** ***** to get this resolved. My checking account was charged today for 307.55 after the ACH was revoked months ago. I am going to get overdraft charges now and bounced checks.Business Response
Date: 11/09/2023
*****************
Thank you for the opportunity to respond to the complaint filed by ****** **** (Complainant). CCF of Missouri, LLC, Dba Cash Central, a member of the Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their ACH was stopped and they informed Cash Central that they are going through ******* ***** ***** to get this matter resolved. They state their checking account was charged again on November 1, 2023, even though the ACH was revoked months ago.
Regrettably, after reviewing the Complainant's account, Cash Central records indicate the payment of $307.55 was processed in error. Cash Central has issued a refund for the payment of $307.55 via check to the address provided in the complaint. Please allow 5-10 days for the refund check to arrive. If any bank overdraft or return fees were associated with this transaction, we ask that the Complainant provide proof by means of a bank statement so we can provide reimbursement to [email protected]. We sincerely apologize for any inconvenience this may have caused.
If the Complainant has any further questions regarding their loan account or to make manual payments as the ACH has been revoked, we encourage them to contact Customer Service directly at ###-###-####.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 11/15/2023
I accept the business's response to resolve this complaint.
Regards,
****** ****Initial Complaint
Date:08/29/2023
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 borrowed $1200 once n only once. Title Max is stating I borrowed $1200 twice n I did not. I borrowed $1200 once n another $400. They say I thought it was $500. I have no doubt in my mind that I only borrowed $1200 once not twice like their claiming. I'm right n their wrong. I want it proven so they can't get away with this lie.
I shouldn't be paying $360 a month for $1200 I don't owe. I will gladly take a lie detector text.
Business Response
Date: 01/15/2024
Thank you for forwarding ***** ********’s complaint to
TitleMax of Texas, Inc. d/b/a TitleMax (“TitleMax”)
Within the complaint to the Better Business Bureau, the
complainant alleges TitleMax stated they borrowed $1200.00 twice. However, the complainant
alleges they only borrowed $1200.00 on one occasion and later added $400.00 in additional
funds.
The complainant originally entered into a 30-day
transaction with TitleMax acting as a Credit Services Organization (“CSO”). At the end of the thirty (30) day term, the entire amount of
the Loan becomes due and owing, as outlined in the Loan Documents. To the
extent they did not wish to repay the entire balance they could, at a minimum,
pay the CSO Fee and interest and refinance the Loan for another thirty (30)
days and enter into a new CSO Contract with TitleMax and a new Agreement. Based
on our investigation, the complainant elected to refinance their loan on
several occasions. On April 3, 20223,
the complaint added additional funds of $400.00. On April 10, 2023, the complainant
also added additional funds of $1200.00.Based on the above, TitleMax has acted
appropriately in the handling of the complainant account and no wrongdoing on
the part of TitleMax is found. Nevertheless, we remain committed to provide them
with excellent customer service and highly encourage them to reach out to the
store location where they originated the loan and store personnel would be more
than happy to discuss payment options and answer any question they may have
regarding the account. Thank you.Initial Complaint
Date:08/28/2023
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 and I too was one who they did not tell me about the interest rate. Every time I try to call & talk to someone I get the runaround and they either hang up or tell me the person that transferred me shouldn’t have. They claim to take my information and have someone call me and I have yet to hear from anyone. They have false advertising with “get your title back with title max” that’s a lie they have no plans to and they know exactly what they are doing. I have been paying about $1000 a month or more for the past two yearsBusiness Response
Date: 01/09/2024
Thank you for forwarding Ms. ***** ****’s complaint to
TitleMax of Texas, Inc. d/b/a TitleMax (“TitleMax”)Within the complaint to the Better Business Bureau, Ms. **** alleges “they [TitleMax] did not tell me about the interest rate.”
Ms. **** originally entered into a 30-day transaction
with TitleMax acting as
a Credit Services Organization (“CSO”). At the end of the thirty (30) day term, the entire amount of
the Loan becomes due and owing, as outlined in the Loan Documents. To the
extent she did not wish to repay the entire balance she could, at a minimum,
pay the CSO Fee and interest and refinance the Loan for another thirty (30)
days and enter into a new CSO Contract with TitleMax and a new Agreement. Ms. **** elected to refinance her loan on
several occasions.TitleMax has investigated the allegations in the letter
and the investigation reveals no wrongdoing on TitleMax’s part. According to
TitleMax records, Ms. **** was informed properly on the interest associated
with her account. The first page of the
Agreement has a Federal Truth-in-Lending Disclosure (the
"Disclosure") that details, among other things, the Annual Percentage
Rate ("APR") (the cost of the credit as a yearly rate, including
applicable fees), the Finance Charge (the dollar amount the credit will cost),
the Amount Financed (the amount of credit provided to), and the Total of
Payments (the amount paid after all payments have been made as scheduled).
Furthermore, the payment schedule is detailed below the Disclosure, which sets
the amount of the payment and the due date of the payment. Further to the point when Ms. **** originated the
Loan, TitleMax personnel explained the terms and conditions to her, and was
provided access to copies of the same. By signing the Loan Agreement, Ms. **** attested
and accepted the terms, including but not limited to the interest charged on
the account.Based on the above, TitleMax has acted
appropriately in the handling of Ms. **** account and no wrongdoing on the part
of TitleMax is found. Nevertheless, we remain committed to provide her with
excellent customer service and highly encourage her to reach out to the store
location where she originated the loan and store personnel would be more than
happy to discuss payment options and answer any question she may have regarding
the account.
Sincerely,
TitleMaxInitial Complaint
Date:08/24/2023
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 went into Cash 1 check cashing off of A St in Hayward CA . The employees there were very rude and obnoxious very disrespectful and took way to long helping each and every client before me after me etc. . This isn't my first time there actually it's going to be one of my last times there due to all the extra out of line attitude I felt they had towards me. For asking where's my money from my tax refund that I deposited a week ago. It's just the lies and the disgusting reply I would get for asking about my money that I've should've received the day I left my tax refund check of ($5,651.00)there. Which was on Wednesday Aug.16th and for them to keep prolonging my funds is something else.theyve still not explained any reason why I didn't get my funds from the two different dates they told me my funds would be available to me. But as of right now this very moment I have not received anything from them not even any explanation or help in they're regards . I feel like they are just getting over on me and every single day I call expressing my need of my money and thee importance of my funds but to no regard I feel hopeless And lied to just as much as any deciet and distrust I feel from them.Business Response
Date: 08/29/2023
**********************
Thank
you for the opportunity to respond to the complaint filed by ******* ****** (Complainant).
Cash1, 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 went into Cash1 Check Cashing in
Hayward, California on August 16, 2023, and the employees there were very rude,
obnoxious, and very disrespectful. They claim the employees took too long in
helping every client. They claim when they asked about where their money was
from a tax refund check of $5,651.00 that they deposited a week ago, the store
replied with an attitude. They also state the store location keeps prolonging
their funds and have not explained why they have not received their funds
despite being provided two different dates. They are requesting a refund.
In reviewing the Complainant’s account with Cash1, we
located a government check in the amount of $5,649.14 cashed on August 16, 2023,
at a storefront in Hayward, CA, where a fee of $169.47 (3%) was charged. Cash1
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 $4,979.67
would be dispersed once the check clears from a deposit hold. The Complainant
was advised that it could take up to 5-7 business days for the check to clear
from the deposit hold and that they would be contacted once the check has
cleared. Cash1 records indicate the check cleared as of August 25, 2023. We
invite the Complainant to visit the Cash1 storefront in Hayward, California to
pick up the remaining funds for the check.
In response to the rude
customer service the Complainant allegedly experienced, Cash1 endeavors
to assist our customers with all of their concerns and provide the best service
possible. We apologize for the frustration they may have experienced. We have
forwarded your concern to management to investigate and act accordingly.
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:08/17/2023
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 am contacting you to request an investigation into a fraudulent inquiry on my credit report. I have no recollection of engaging in any transactions with the mentioned company. Consequently, I kindly ask for substantiation of any services I might have purportedly obtained from the company. In the absence of such verification, I respectfully request the removal of the aforementioned inquiry from my credit report. Your prompt attention to this matter would be greatly appreciated.
SPEEDYCASH 02/17/2022Business Response
Date: 08/22/2023
****************
Thank you for the opportunity to respond to the complaint
filed by ***** ********* ******** (Complainant). Galt Ventures, LLC, Dba Speedy
Cash, 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 is requesting an investigation into a fraudulent inquiry on their
credit report. They state they have no recollection of engaging in any
transactions with the Speedy Cash. Consequently, they are asking for
substantiation of any services they might have purportedly obtained from the
company. In the absence of such verification, the Complainant requests the
removal of the aforementioned inquiry from their credit report. Your prompt
attention to this matter would be greatly appreciated.
A review of Speedy Cash records shows a Payday loan was
obtained online at www.speedycash.com in the principal amount financed of
$255.00 on February 17, 2022, using the Complainant’s
non-public personal information. The loan was contracted to be repaid in one
payment of $300.00 due February 25, 2022. The loan was subsequently paid in
full in the total amount of $300.00 on February 25, 2022. Further review of our
records indicate another payday loan in the principal
amount financed of $255.00 was obtained online using the Complainant’s
non-public personal information on August 16, 2023. The loan is contracted to
be repaid in one payment of $300.00 due August 25, 2023.
Speedy Cash
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 the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
** *** ***
********** ** *****
Community Choice Financial, Inc. is BBB Accredited.
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