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.

  801 Hebron Rd Heath, OH 43056-1357

  
• 

  Community Choice Financial, Inc.

  842 Delaware Ave Marysville, OH 43040-1724

  
• 

  Community Choice Financial, Inc.

  1301 E Main St Lancaster, OH 43130-4005

  
• 

  Title Max of Delaware

  127 S DuPont Hwy Dover, DE 19901

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:05/09/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On April 13, 2023 I repaid a loan with Speedy Cash in the amount of $528.75. As always you are given the option to reapply which I always do. The new loan amount for the state of Alabama is $450. You are required to sign the new loan agreement before you receive the funds. I've never had an issue not receiving the funds to the same account until 4/13/2023. I have made numerous phone calls, sent many emails and sent my bank account statement that was requested to prove the funds were not deposited in my account. They confirmed receipt of the statement and still refuse to clear the account. I advised them I will not pay for funds never received.

  

  Business Response

  Date: 05/12/2023

  ***************
  
  Thank you for the opportunity to respond to the complaint
  filed by ***** ******* (Complainant). Cash Colorado, 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, on April 13, 2023,
  they repaid a loan with Speedy Cash in the amount of $528.75 and reapplied for
  a new loan in the amount of $450. They claim they never received funding. They
  also claim they have made numerous phone calls, sent many emails and sent a bank
  account statement to prove the funds were not deposited in their account, but
  Speedy Cash still refuses to clear the account. They advised they will not pay
  for funds they never received. They are requesting a billing adjustment.
  
  As brief background, Speedy Cash’s records reflect, on April
  13, 2023, the Complainant obtained a loan with Speedy Cash online at www.speedycash.com in the principal amount financed of
  $450.00 to be repaid in one payment of $528.75 due on April 28, 2023.  
  
  Regrettably, after reviewing the Complainant's account, it
  appears an isolated error did not update our POS system to reflect that the ACH
  funding to the Complainant’s debit card was unsuccessful. To remedy this error,
  we have adjusted the loan to a zero balance. We sincerely apologize for any
  inconvenience this may have caused or if this may have resulted in a poor
  customer experience. If the Complainant has any further questions regarding
  their account, we encourage them to contact Customer Relations 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 [email protected].
  
  Sincerely,
  
  BSG – Consumer Complaints
  ** *** ***
  ********** ** *****
  

  Customer Answer

  Date: 05/15/2023

  I accept the business's response to resolve this complaint.
  
  
  Regards,
  
  
  
  ***** *******

• Initial Complaint

  Date:05/08/2023

  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.

  They have ran my credit and given a loan to someone without my permission. We have tried calling and they keep trying to transfer us back to Speedy Cash, Then Speedy Cash transfers us back to Community Choice Financial. Something needs to be done ASAP. We did not request a loan and they need to take responsibility. The confirmation # with speedy cash can be provided if needed.

  

  Business Response

  Date: 05/12/2023

  ********
  
  Thank you for the opportunity to respond to the complaint
  filed by ******* ******** (Complainant). Speedy Cash, a member of Community
  Choice Financial® family of brands, appreciates the role of the
  Better Business Bureau in resolving consumer
  concerns. We are happy to provide this response.
  
  To summarize, the Complainant states Speedy Cash ran the
  Complainant’s credit and gave a loan to someone without their permission. They
  claim they have tried calling but kept being transferred. They claim they did not
  request a loan and Speedy Cash needs to take responsibility. They are
  requesting a correction to their credit report.
  
  Speedy Cash’s records indicate that a credit application was
  submitted with Ivy Funding Ninety-Six, LLC through www.speedycash.com using the
  Complainant’s non-public personal information on May 7, 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. It appears that the Complainant’s personal
  information was compromised prior to the loan application with Speedy Cash as
  the perpetrator was able to provide enough of their non-public information to
  result in a credit inquiry with the credit bureaus. Fortunately, no loans were
  underwritten in the Complainant’s name. The account has been updated to reflect
  the claim of fraud and future transactions on this profile would require a
  written request from the Complainant.
  
  Furthermore,
  given the claim of fraud, we have requested the credit inquiry initiated by the
  application submitted to Speedy Cash be deleted from the Complainant’s credit
  report. Please note, it may take up to 90 days for the deletion request to be
  reflected.  We
  have also forwarded this account to our Identity Theft department for
  investigation and will be in contact with the Complainant.
  
  Speedy Cash strongly urges any consumer who suspects that
  their information has been compromised to report such incidents to all
  applicable law enforcement agencies and take all possible precautions to secure
  their personal identification and financial information. 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 the Better Business Bureau require
  further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG – Consumer Complaints
  ** *** ***
  ********** ** *****
  
  
  

• Initial Complaint

  Date:04/29/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took a loan out with Cash Central April 13, 2023. I contacted the company prior to the due date to request a 60 day grace period. I was told be 2 reps on the phone that the loan can only be extended 14 days. I advised that I am a florida state resident and under Florida State law I am allowed a 60 day grace period and as a company licensed in florida, they are obligated to follow. Repeatedly, I was told that their license only allows 14 days. I tried advising company policy can't override state law. I then sent a email since no one would help and I also provided the link to the florida state statute for someone to review and get back to me since apparently no one was aware but instead I was just told to contact customer service. I've given the company an opportunity to properly review the florida statutes however, they are unwilling to do their part. I have already issued a complaint against their license with the state of Florida. I am issuing a complaint here. And I will be issuing a stop payment until this can be resolved.

  

  Business Response

  Date: 05/12/2023

  *********************
  
  Thank you for the opportunity to respond to the complaint
  filed by ******** ******* (Complainant). Buckeye Check Cashing of Florida, Inc.
  Dba Cash Central, a member of Community
  Choice Financial® family of brands, appreciates the role of the
  Better Business Bureau in resolving consumer
  concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they obtained a loan
  with Cash Central on April 13, 2023. They claim they contacted the company
  prior to the due date to request a 60-day grace period but were informed by a
  Cash Central representative that their loan can only be extended by 14 days.
  They state that under Florida State law, they are allowed a 60-day grace period,
  and that they are issuing a stop payment until this can be resolved.
  
  A review of our records revealed, on April 13, 2023, the
  Complainant obtained a loan from Cash Central online in the principal amount
  financed of $500.00 with a finance charge of $55.00. The loan contracted was to
  be repaid in one payment of $555.00 due on May 5, 2023. As part of the process
  of requesting a loan, the loan agreement must be reviewed by the Complainant
  before the loan is signed. The annual percentage rate, finance charge, amount
  financed, total of payments and payment schedule are clearly disclosed in
  accordance with the Federal Truth in Lending Act and Regulation Z on the first
  page of the loan agreement.
  
  Regarding the Complainant’s request for a 60-day grace
  period, the Complainant signed the loan agreement acknowledging their
  understanding of how she can obtain a 60-day grace period in the event she
  cannot pay the loan in full on the due date. As stated on the loan agreement
  under Notice:
  “4. FOR DEFERRED
  PRESENTMENT TRANSACTIONS NOT REPAYABLE IN INSTALLMENTS: IF YOU INFORM THE
  PROVIDER IN PERSON THAT YOU CANNOT COVER THE CHECK OR PAY IN FULL THE AMOUNT
  OWING AT THE END OF THE TERM OF THIS AGREEMENT, YOU WILL RECEIVE A GRACE PERIOD
  EXTENDING THE TERM OF THE AGREEMENT FOR AN ADDITIONAL 60 DAYS AFTER THE
  ORIGINAL TERMINATION DATE, WITHOUT ANY ADDITIONAL CHARGE. THE DEFERRED
  PRESENTMENT PROVIDER SHALL REQUIRE THAT YOU, AS A CONDITION OF OBTAINING THE
  GRACE PERIOD, COMPLETE CONSUMER CREDIT COUNSELING PROVIDED BY AN AGENCY
  INCLUDED ON THE LIST THAT WILL BE PROVIDED TO YOU BY THIS PROVIDER. YOU MAY
  ALSO AGREE TO COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT
  AGENCY. IF YOU DO NOT COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT
  AGENCY, WE MAY DEPOSIT OR PRESENT YOUR CHECK FOR PAYMENT AND PURSUE ALL LEGALLY
  AVAILABLE CIVIL MEANS TO ENFORCE THE DEBT AT THE END OF THE 60-DAY GRACE
  PERIOD.”
  
  Cash Central
  has yet to receive any evidence that the Complaint secured an appointment with
  a Consumer Credit Counseling agency or that they have completed the counseling
  required to receive a grace period of 60 days.
  
  On April 22, 2023, the Complainant’s account was documented
  with the Complainant’s request for a due date adjustment or extension until
  June 2023. Unfortunately, it appears the representatives that spoke with the
  Complainant misunderstood the request and did not properly inform the
  Complainant of the next steps necessary to fulfill the state of Florida’s
  requirements for consumers wishing to be granted a grace period. However, a
  representative did provide a 14-day courtesy move making the loan due in full on
  May 19, 2023. We appreciate the Complainant bringing this situation to our
  attention, so we could provide the representatives involved with additional
  resources and retraining to ensure they understand the state of Florida’s
  60-day Grace Period.
  
  Should the Complainant wish to receive a grace period of 60
  days without additional charge, we respectfully ask them to make an appointment
  with a Consumer Credit Counseling Service (see attached list) and provide us
  with proof of the counseling service they received prior to May 19, 2023.
  
  We hope that we have fully addressed the complaint. Should
  the Complainant or the Division of Consumer Finance Bureau of Enforcement require
  further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG – Consumer Complaints
  ** *** ***
  ********** ** *****
  
  
  
  
  
  

  Customer Answer

  Date: 05/15/2023

  I accept the business's response to resolve this complaint. My complaint was due to the fact that i was trying to receive the instructions from your company on how to properly complete and submit the records necessary to execute a 60 day grace period but no one listened to what I was asking. It is important for your representatives to make sure they are up to date and properly relay the correct information based on the individual states where a customer resides. This could have all been avoided.
  
  Regards,
  
  
  
  ******** *******

• Initial Complaint

  Date:04/11/2023

  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 1/9/2023, I took a loan for $400. 00 with Speedy cash. I thought that I was practically paid off with next months payment.To date, I gave paid 604.15 dollars. I have tried endlessly to look at my loan docs but their website is never available. They say my loan balance is 483.00 which I cannot afford. I can’t even review documents to see the APR, but it must be outrageous . I now know that I should have done my research first before accepting the loan. but I needed the money fast and went with a quick solution which ended up being a huge mistake. Can you help me, with this predatory loan The loan number is ********. Thank you.

  

  Business Response

  Date: 04/17/2023

  ********************
  
  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
  consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states,
  on January 9, 2023, they took a loan for $400.00 with Speedy Cash. They state
  they thought that the loan was practically paid off with next month’s payment. The
  Complainant claims they have paid $604.15 dollars to date. They also claim they
  have tried endlessly to look at their loan documents, but the website is never
  available. They state Speedy Cash says the loan balance is $483.00, which the
  Complainant cannot afford. They claim the APR is outrageous and the loan is
  predatory. They are requesting a billing adjustment.
  
  As a brief background, on January 10,
  2023, Speedy Cash’s records show the Complainant obtained an installment loan
  with Ivy Funding Ninety-Six LLC online at www.speedycash.com in the principal amount financed of
  $400.00. The loan was contracted to be repaid in 11 bi-weekly payments of
  $115.94 beginning on January 27, 2023, and a final payment of $115.79 due on
  June 30, 2023. SCIL Texas LLC Dba Speedy Cash is a registered Texas Credit
  Access Business (“CAB”) and assists consumers 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.
  
  At the time of loan origination, the
  Complainant signed a Promissory Note that clearly disclosed the annual
  percentage rate, finance charge, amount financed, total of payments and the
  repayment schedule in accordance with the Federal Truth in Lending Act and
  Regulation Z. By signing the loan agreement, the Complainant acknowledged their
  understanding of the terms and conditions of the installment loan. A copy of
  the loan agreement was also provided at loan origination.
  
  The Installment Loan allows customers
  to pay off their loan by giving a set schedule and minimum dollar amount for
  payment. 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. Further, after a loan is finalized, customers have the right to cancel
  the contract without penalty or obligation within three (3) business days after
  the contract is signed. A review of the payment history shows Speedy Cash
  promptly and accurately applied seven (7) payments toward the Complainant’s
  loan. As of April 13, 2023, the Complainant’s outstanding balance is $378.99.
  
  Regarding the Complainant’s claim that
  the website is never available, a review of this allegation concluded there was
  no known issue with Speedy Cash’s online portal. If, however, should the
  Complainant run into any issues with logging into their account in the future,
  they may contact Speedy Cash Customer service for assistance at ###-###-####.
  
  Speedy Cash believes that the conditions of the loan were
  clearly disclosed and finds no discrepancy or concern in how the transaction
  was processed; therefore, a billing adjustment will not be provided at this
  time. Speedy Cash understands that unforeseen circumstances may occasionally
  arise that result in temporary financial setbacks such that making timely
  payments are difficult. Accordingly, Speedy Cash 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 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
  ** *** ***
  ********** ** *****

• Initial Complaint

  Date:04/10/2023

  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 have a account email address to login is ************ ******* they updated there website it's finds the account but keeps saying password dosent work I'm trying to pay loan off so I'm playing extra interest cause I can't log in I have contacted them I just want to pay the loan in full

  

  Business Response

  Date: 04/14/2023

  ***************
  
  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
  consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states their password does not
  work on the website when they are trying to pay off their loan. They claim they
  are paying extra interest because they can’t log in on the website. They also
  claim they have contacted Speedy Cash and just want to pay off their loan in
  full. They are requesting a billing adjustment.
  
  Speedy Cash is a registered Texas
  Credit Access Business (“CAB”) and assists consumers 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’s records reflects on March 20,
  2023, the Complainant obtained an installment loan with Ivy Funding Ninety-Six
  LLC online at www.speedycash.com in the
  principal amount financed of $1,250.00. The loan was contracted to be repaid in
  12 bi-weekly payments of $328.47 beginning March 31, 2023, and a final payment
  of $328.61 due on September 15, 2023. A review of the Complainant’s payment
  history shows Speedy Cash accurately and promptly applied one ACH payment
  initiated by the Complainant in the amount of $430.00 toward the loan.
  
  Regarding the Complainant’s claim
  of being unable to make a payment online due to a password issue, an
  investigation into the Complainant’s claim revealed that there has been no
  known issue in accessing the Speedy Cash online portal. We regret that the
  Complainant was unable to make a payment online and for the frustration they
  may have experienced; however, as we deny any wrongdoing, a billing adjustment
  will not be provided at this time. We encourage the Complainant to contact
  Speedy Cash directly at ###-###-#### for assistance with making a payment.  
  
  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:04/04/2023

  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 have been asking corporate office of Check into Cash for my original loan agreement so I can add it to debit consoildertion loan I have But corporate office told me I had to go to the office in ***** **** **. For a copy but what they gave me won't work. I just want a copy of my original loan agreement. When I go online i can't get it becuase inam behind on payments.
  Basically all want is a copy of my loan agreement.

  

  Business Response

  Date: 04/10/2023

  ****************
  
  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 the CCF
  Intermediate Holdings LLC 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 been asking
  the corporate office of Check into Cash for their original loan agreement so
  they can add it to a debit consolidation loan but was told they had to go to
  the office in Great Bend, KS for a copy. They state what Check Into Cash gave
  the Complainant won't work. They are requesting a copy of their loan agreement.
  
  As a brief explanation of the Complainant’s account, an Open-End
  Line of Credit transaction with credit limit amount of $500.00 was completed
  online at www.speedycash.com on November
  12, 2021, with a cash advance of $1,511.00 taken for the life of the loan. As
  requested, we have mailed a copy of the Complainant’s loan agreement to the
  address provided in the complaint.  
  
  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 [email protected].
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** ***
  ********** ** *****
  

• Initial Complaint

  Date:03/31/2023

  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 was browsing for $25,000 loans on February 7.th for the balance of a home purchase.
  I saw this company had been hounding me via email and text to SIGN.
  On March 13th, I was online and went through their process with the intent to establish a reportable OPEN LINE OF CREDIT.
  I chose the pickup option, knowing I am disabled with no transportation, couldn't pick it up which SHOULD have ended the actual loan occurring.
  I happened to check email for the first time in over 2 weeks to see this company sent a payment reminder for funds I did NOT go to get.
  * Despite them not having their REQUIRED proofs of Identification and banking information, they put money blindly into my account.
  * Their website producers no loan documents.
  * I certainly don't need their drip of mone.
  * Refund of $51.97 is in order.
  Fearing this company would harm my credit, I paid in full. Then I called customer service to complain to no avail.

  

  Business Response

  Date: 04/05/2023

  ******************
  
  Thank you for the opportunity to respond to the complaint
  filed by ******* ***** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of the CCF Intermediate Holdings LLC family
  of brands, appreciates the role of the Better Business Bureau in resolving
  consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they were browsing for
  $25,000 loans on February 7th for the balance of a home purchase. On March
  13th, they state they went through Speedy Cash process with the intent to
  establish a reportable open line of credit. They claim they chose the pickup
  option, knowing they are disabled with no transportation, could not pick it up
  which should have ended the actual loan occurring. They claim they happened to
  check email for the first time in over two weeks to see Speedy cash send a
  payment reminder for funds the Complainant did NOT go to get. They claim
  despite Speedy Cash not having required proof of identification and banking
  information, they put money blindly into my account. They claim the website
  produced no loan documents. They state fearing Speedy Cash would harm the
  Complainant’s credit, the Complainant paid the loan in full. They claim they
  called customer service to complain to no avail. They are requesting deletion
  of their bank account information after refund is completed.
  
  As a brief explanation of the Complainant’s account, an
  Open-End Line of Credit transaction in the amount of $310.00 was completed
  online at www.speedycash.com on March
  13, 2023, with a cash advance of $310.00 taken for the life of the loan.  Open credit involves billing periods and
  reoccurring minimum payments of interest and principal based on the balance of
  the loan.  Speedy Cash encourages
  customers to use this product as a short-term financial solution and whenever
  possible, pay off early to avoid accruing interest.  The balance may be paid back at any time with
  no penalty for early payoff.  The
  interest rate and interest charges are plainly disclosed on the first page of
  the loan agreement.  The loan is funded
  via ACH deposit to the Complainant’s bank account; however, for faster funding,
  pickup option at a storefront is available. If the customer chooses the pickup
  option but does not pick up the funds in store, the funds are deposited into
  the customer’s bank account on file.
  
  By signing the line of credit agreement, the customer
  acknowledged their understanding that Speedy Cash would earn interest on the outstanding balance from the date of the
  transaction until paid in full. If the Complainant did
  not agree to the disclosed terms and conditions of the loan, they have the
  option to stop the loan process at any time.
  
  A review of the payment history shows Speedy Cash promptly and accurately posted one payment of $361.97
  paying the account in full.  
  
  As we believe that
  the conditions of the loan were clearly disclosed and cannot find any evidence
  of wrongdoing, a refund will not be provided at this time. You may
  request to close your account by calling our Customer Service department
  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: 04/21/2023

  My Response:
  The business response was unacceptable.
  I do not accept their response.
  Payment wasn't picked-up with VALID IDENTIFICATION per that requirements.
  NO evidence of Line of Credit on any credit report.
  My desired resolution remains the same.
  Please leave as unresolved.  And company noted as identity thief's
  haven due to lax following of their own policies.
  
  Thank you,
  ******* *****
  

  
  

  

  Business Response

  Date: 05/02/2023

  Thank you for the opportunity to respond to the complaint
  filed by ******* ***** (Complainant). Galt Ventures, LLC Dba Speedy Cash, a member of the CCF Intermediate Holdings LLC 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 the business response was unacceptable.
  They claim the payment was not picked up with a valid identification. They are
  requesting deletion of their bank account information after the refund is
  completed.
  
  As previously stated in our initial response, if the
  customer chooses the pickup option but does not pick up the funds in store, the
  funds are deposited into the customer’s bank account on file. Speedy Cash sent the
  Complainant an email notifying them to pick up their loan proceeds at any
  Speedy Cash store before 7:15 Central Time on March 13, 2023, and that if they
  do not pick up the funds before the time allotted, their funds may be deposited
  to the bank account on file.
  
  Regarding the deletion of the
  Complainant’s bank information, we are legally
  required to maintain certain records and therefore are unable to delete all
  information from our system - which is the electronic repository for our
  records.  We comply with all federal and state record retention laws and maintain
  appropriate security and controls over our systems and processes to ensure data
  integrity, privacy and confidentiality.
  
  As we believe that the conditions of
  the loan were clearly disclosed and cannot find any evidence of wrongdoing, a refund
  will not be provided at this time. The Complainant may request to close their
  account by calling our Customer Service department 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 [email protected].
  
  Sincerely,
  
  BSG – Consumer Complaints
  ** *** ***
  ********** ** *****
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:03/28/2023

  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.

  Took out a loan on a line of credit with the company Speedy Cash. They say I took out additional loans, which I did not. I need a statement of accounting, which they won't give me. I want a statement of the account as far as what dates I borrowed, what Dates I paid, and what interest was charged. They have debited my account to where it is over drawn.

  

  Business Response

  Date: 04/03/2023

  ************
  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 they took out a line of
  credit with Speedy Cash. They also state Speedy Cash said the Complainant took
  out additional loans, which they did not. They claim Speedy Cash debited the
  Complainant’s account to where it is overdrawn. They also claim they have requested
  a statement of accounting, which Speedy Cash won't give the Complainant. They
  are requesting a statement of the account as far as what dates they borrowed,
  what dates they paid, and what interest was charged.
  
  A
  review of Speedy Cash’s records shows, on September 1, 2022, the Complainant obtained
  a lined of credit in the amount of $785.00 with Speedy Cash online at ****************** with an initial cash
  advance of $785.00. The interest rate and finance charge are plainly disclosed
  on the first page of the loan agreement.  By signing the agreement, the Complainant acknowledged their
  understanding that Speedy Cash would earn interest on the outstanding balance from the date of the transaction
  until paid in full. Additionally, the Complainant also
  signed an Optional Loan Payment Authorization and Optional Payment Card
  Authorization that authorizes and instructs Speedy Cash to initiate an ACH or
  debit card payments on the loan due dates, or in the event of default. On
  December 17, 2022, the Complainant advanced an additional amount of $600.00
  funded at a storefront in ******* *****. The Complainant’s identity was
  verified using a ****** issued driver’s license.
  
  Speedy recognizes the seriousness of
  identity theft and has extensive measures in place to help mitigate the
  fraudulent use of unlawfully obtained data. An initial
  investigation into the claim that an additional loan was taken out under the
  Complainant’s personal information did not reveal any other existing loans
  besides the initial loan the Complainant acknowledged. The Complainant’s account
  has been forwarded to our Identity theft department for a more thorough
  investigation and has been provided with an Identity theft packet which
  includes instructions for pursuing a claim of fraud and the documents necessary
  for an investigation.
  
  As
  for the Complainant’s concern regarding not being provided with statements, a
  review of our correspondence with the Complainant shows Speedy Cash received
  the Complainant’s request on March 28, 2023, a day prior to receiving the
  Complainant’s BBB complaint. As requested, we have mailed the Complainant a
  copy of their loan agreement and statements to the address provided on the
  complaint.
  
  A review of the payment history shows Speedy Cash promptly
  and accurately posted 13 payments toward the Complainant’s outstanding balance.
  The Complainant’s account is currently past due. Accordingly, Speedy Cash is
  willing to discuss mutually satisfactory repayment arrangements with the
  Complainant in order to assist them in paying back their loan. We encourage the
  Complainant to call our Customer Relations Department 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
  ** *** ***
  ********** ** ***** 
  

• Initial Complaint

  Date:03/27/2023

  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.

  Went to cash my employment check at check smart ****** **** ****** ** *ocation amount for 2226.62 ***** ******* ******** check from ***** ********* *** check smart ****** **** ****** ** location started processing the check but didn't give me the cash amount after check cashing fee also keep the check and invoice from ***** ********* *** for me employee ***** ******* ********

  

  Business Response

  Date: 03/31/2023

  ***********
  
  Thank
  you for the opportunity to respond to the complaint filed by ***** ******* ******** (Complainant). CheckSmart, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in
  resolving consumer concerns. We are happy to provide this response.
  
  To
  summarize, the Complainant states they went to cash their employment check at a
  CheckSmart in Toledo, OH. They claim CheckSmart started processing the check
  but didn’t give the cash amount after the check cashing fee. They also claim
  CheckSmart kept the check and invoice. They are requesting CheckSmart cash the
  Complainant’s employment check.
  
  A
  review of CheckSmart’s records reveal, on March 22, 2023, the Complainant
  attempted to cash a check issued by ***** ******** ****** *** in the amount of
  $2,226.62 at a storefront in Toledo, Ohio. Regrettably, the check the
  Complainant presented to cash is a stolen check; therefore, CheckSmart is
  unable to cash the check. When the check was verified with the issuer, the issuer
  confirmed that the Complainant received a stolen check and requested the check
  not be returned to the Complainant. It is important to note CheckSmart did not
  charge a check cashing fee for this transaction.
  
  Unfortunately,
  it appears the Complainant may have been a victim of a job scam where scammers
  deceive job seekers into giving money, divulging personal information or
  providing free labor. If the Complainant feels they were scammed, we
  suggest they file a report with their local law enforcement agency. We also encourage
  the Complainant to visit ftc.gov/scams to learn
  more about how to protect against such fraudulent acts.
  
  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:03/24/2023

  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.

  I have a loan that is past due with this company and I have acknowledged that. This company has called me SEVERAL times AT WORK when I have REPEATEDLY requested that they cease the calls. I NEVER gave them my office number my employer doesn't allow to give it out. I requested to know how they obtained the number and they REFUSED to tell me. I filed a complaint with them and an attorney named ********* *** **** called me. I asked a guy named ***** ***** who previously left me a message if he knew that the company who hired him was also calling me. He responded no I am the only one calling. I advised him I received 2 recent calls 3/14 and 3/21 from them. He has left me 4 messages as of 3/24. He advised he will reach out to them and disconnected the call.

  

  Business Response

  Date: 03/30/2023

  *********************
  
  We
  are happy to provide this response. Thank you for the opportunity to respond to
  the complaint filed by ******* **** (Complainant). HOOSIER CHECK CASHING OF
  OHIO, LTD., Dba CheckSmart, a member of Community Choice Financial® family
  of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns.
  
  To
  summarize, the Complainant states they have a loan that is past due with
  CheckSmart. They claim CheckSmart has called the Complainant several times at
  work when they have repeatedly requested that they cease the calls. They also
  claim they gave their office number because their employer doesn't allow them
  to give it out. They requested to know how they obtained the number and
  CheckSmart refused to tell the Complainant. The Complainant filed a complaint
  with CheckSmart, and an attorney named ********* *** **** called. They also
  state they spoke with ***** ***** advising him that the Complainant received
  two recent calls on March 14, 2023, and March 21, 2023, from CheckSmart. They
  claim the Complainant was advised ***** ***** will reach out to CheckSmart.
  
  A
  review of our records revealed, on November 16, 2022, the Complainant obtained
  a loan from CheckSmart in the principal amount financed of $500.00 with a
  finance charge of $67.00 at storefront in South Bend, Indiana. The loan
  contracted was to be repaid in one payment of 567.00 due on December 2, 2022.
  On December 8, 2022, when the Complainant’s payment returned unpaid, the
  account was charged a $15.00 return fee and went into default status.
  Thereafter, collection activities commenced as permitted by law.
  
  After
  a thorough investigation of the complaint, our records do show, on December 9,
  2022, the Complainant advised CheckSmart to not be contacted at work. Regrettably,
  it appears that the Complainant was contacted in error after their DNC notification.
  We apologize for the inconvenience and if this resulted in poor customer
  experience. We have updated the Complainant’s account to ensure that they are
  not contacted at work going forward.
  
  As
  for the Complainant’s concern about how we retrieved their work number, this
  phone number was provided by the Complainant when the Complainant updated their
  income.
  We
  hope that we have fully addressed the complaint. Should the Complainant or the
  Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG – Consumer Complaints
  ** *** ***
  ********** ** ***** 
  
  

  Customer Answer

  Date: 04/06/2023

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

  The respondent has outright lied about how my employement phone number was obtained. If my employe4r has advised NOT to give out the office phone number for personal use, WHY would i willingly give it ti CHECKSMART?? I can see this going nowhere!! I want this company FINED for calling me repeatedly at work as I reuqest they not do!! Why would I put my employment in jeoparty by giving out the office phone number?? I will be advising the Attorney General of this matter as well!!

  Ms***************

   

  

  Business Response

  Date: 04/14/2023

  ***********************
  
  Thank
  you for the opportunity to respond to the complaint filed by ******* **** (Complainant).
  HOOSIER CHECK CASHING OF OHIO, LTD., 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 CheckSmart has outright lied about how the Complainant’s employment
  phone number was obtained. They state they want CheckSmart fined for calling
  the Complainant repeatedly at work.
  
  We
  sincerely apologize for the Complainant’s frustration and for the poor customer
  experience that may have resulted in. Our records do show CheckSmart called the
  Complainant a total of four times from December 2022 until March 2023 after they
  requested not to be called at work. If the Complainant has any other evidence
  of repeated phone calls at work, we encourage them to submit evidence so that
  we may investigate and provide corrective action. As stated in our previous
  response, we have updated the Complainant’s account to ensure that they are not
  contacted at work going forward.
  
  We
  hope that we have fully addressed the complaint. Should the Complainant or the
  Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  BSG
  – Consumer Complaints
  ** *** ***
  ********** ** ***** 
  
  
  

  Customer Answer

  Date: 04/23/2023

  [The company between the store located in South Bend IN and it's corporate office have called me NUMEROUS times than the 4 they previously mentioned. I do not accept their "apology". I shouldn't have had to submit my request 3 TIMES to be heard and also put my employment in jeopardy because of poor customer service. Again this response is not acceptable. I have placed complaints with the IN Attorney General's office as well as CFPB! 
  
  
  Regards,
  
  
  
  ******* ****