Complaints
This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 437 total complaints in the last 3 years.
- 143 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:09/30/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been a Great and Reliable consumer and have had an account with this company for Many... years. Two times during these many years I have had Serious problems with cashing my check through No... fault of my own. As a direct, I was offered by ccf /checksmart a discounted rate on All... future check cashing.
This was working fine up until September 12th 2022. I went into the ********** ** store location to cash my check. I was told by the store that I would Not... get the promised discounted rate. I then made a complaint with the Dublin Corporate office about this matter on September 14th 2022. I was Promised by the corporate office a call back from The District Manager (DM). I received No... call or voicemail.
I then called back in on September 20th 2022 and advised that I was still waiting for resolution so that I could cash my check at the promised rate. I talked to an **** on this day. **** stated that she did not know what to do for almost an hour of me talking to her. Then **** stated that she would have her Manager call me back. I received No... call back from ****** manager.
I then called back on September 27th 2022. I was transferred 6 times, yes 6 times to the Wrong department. I then talked to Talan in the wrong department who stated that he was a supervisor but that he would have to get a message for the manager in the Correct... department to call me back.
As of today September 30th 2022, I am still waiting for the 2 Promised call backs from the District Manager And... the Complaint Manager.
I am Currently... being Ignored by ccf and have had No... Resolution.
And... I am being Denied of me being able to cash my check at the Correct and Promised Rate. Me cashing my check is currently being held Hostage by ccf.
Please advise.
Business Response
Date: 10/07/2022
*****************
Thank you for the opportunity to respond to the complaint
filed by Ms. ****** ****** (Complainant). CheckSmart, 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 on September 12, 2022,
she visited a CheckSmart location to cash a check; however, she was informed
that she would not be receiving a promised discounted check cashing rate. She
submitted a complaint to the corporate office but has yet to receive a call
back regarding the situation. She is requesting to be able to cash her check at
the discounted rate and follow up from management.
A review of our records revealed, the Complainant has a long
history of conducting check cashing business with CheckSmart. Their account is
documented that they are to receive a discounted check cashing fee. On
September 12, 2022, the Complainant visited a CheckSmart location to cash a
check and this service was going to be completed at the discounted rate;
however, the Complainant asked for her check back to obtain a copy. When the
Customer Service Representative (CSR) gave the Complainant her check back, she
left the location without completing her transaction.
The Complainant contacted our corporate office on September
14, 2022, and requested a call back from management. The CheckSmart location’s
District Manager attempted to contact the Complainant on September 14, 2022;
however, there was no answer. The District Manager tried again on October 3,
2022, and again there was no answer.
We are sorry we did not meet the Complainant’s expectations.
It is always our goal to provide an excellent experience. CheckSmart would be
happy to cash the Complainant’s check at the documented discounted rate. The
Complainant is free to visit a CheckSmart location to do so. The Complainant
should also expect another call from management regarding this situation.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at ****************************.
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 10/14/2022
It is unfortunate that the Checksmart/Community Choice CSR does Not... know and/or understand what is going on with the Actual... Complaint. It is a LIE... that I was offered the discounted rate when I went into the local location on September 12th of 2022. I left and contacted the corporate office because I was Not... offered the Promised discounted rate of 5% for cashing all of my checks. On October 7th 2022 I was Finally... Directly contacted by the District Manager who resolved everything. The District Manager Apologized and Updated my account to show that I AM... to get the discounted rate for cashing my check of 5% Indefinitely... As a direct result of the District Manager doing her job and Honoring the company's Promised discounted rate of 5% for me cashing my check, I was able to Successfully... cash my check at the Promised Discounted rate of 5% on October 10th of 2022. As a Direct result of the District Manager's help and Not... the local location, the BBB complaint matter has been resolved.Business Response
Date: 12/26/2023
December 26, 2023
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 18149777
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by Ms. ****** ****** (Complainant). CheckSmart, a member of the Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states they have two accounts with this company and on one of their accounts, they were told some locations cannot help them due to contacting the corporate office location. As a direct result, they must drive all over to find a location to help them with their account and feel this is unacceptable, outrageous, and maybe **************. They state they were ignored by the corporate office who also agreed and approved a credit to their account for all of the time that they have not been given. They feel they are getting the runaround and wanting this resolved as soon as possible and request credit for being denied access to their accounts.
It is unclear what the Complainant is requesting credit for. We request additional information regarding their complaint in order to complete a proper 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,
BSG – Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 01/03/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 18149777
I am rejecting this response because: After the business acknowledged the reason for my complaint in detail in their response, the business Failed to address my Serious Complaint. I should not have to drive from store to store to use one of my accounts. This is what the First... reason that the credit is requested for. The corporate office has Already... approved my credit, however, Amy and DeDawn at the corporate office stated that the Credit has to be given by one of My Local stores. One of my accounts was held hostage for approximately a month and a 1/2 through Absolutely no Fault of my own. The is the Other... reason for the credit.Again... The credit was Already... Approved and Noted... by the corporate office.
Please advise.
Regards,
****** ******Initial Complaint
Date:09/27/2022
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 out a $400 payday advance from check into cash on bay rd in Saginaw mi. The time came to pay and I was short but could pay the next day. My fiancé went and paid with cash on Friday the 23rd. After it’s all paid I check my bank statements and I’m now -$485 because of the check being taken out of my account even after it was paid Friday. So now I’m supposed to be paid on the 28th from my work and it’s all going to something that’s been paid already so now I won’t have a check at all because of thisBusiness Response
Date: 09/28/2022
************
Thank you for the opportunity to respond to the complaint
filed by **** ***** (Complainant). Buckeye Check Cashing of Michigan Inc., dba
Check Into Cash (CIC), 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 $400.00
loan from CIC and when the payment became due, they were short the total amount
due. However, they paid the account in full the following day only to discover
the check had also been taken out of their account causing a negative balance.
The Complainant is requesting a refund.
A review of our records shows, on September 8, 2022, the Complainant
obtained a payday loan in the amount of $400.00 with a finance charge of $55.00
and a due date of September 22, 2022. As required by the state of Michigan,
when the payment was not received by the end of the business day on the due
date, the Complainant’s check was deposited. In this particular situation, the
Complainant spoke with a CIC store representative prior to making the cash
payment who informed him that his check was deposited. The Complainant stated the
funds were not available in his account and that his bank would return the
check. The Complainant then chose to make a cash payment to pay for the loan.
On September 27, 2022, the Complainant contacted CIC regarding
his bank paying his check resulting in the double payment and negative balance,
and on September 28, 2022, CIC issued a refund via ACH to the Complainant’s
account. The Complainant should see the funds in his account within one to two
business days.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** ********* ** *** *******Initial Complaint
Date:09/26/2022
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 notified Speedy cash that I am working with a loan consolidation company on September 7, 2022 I notified this company I am working with ****** ******. I received a response on September 8, 2022 stating that “The entity that you are in agreement with must send the proper documentation for your account in order for Speedy/Rapid Cash to update our records accordingly. Please ensure they include the case/account number and the date it was filed”. However the power of attorney letter I provided them has this information. I am asking that they honor this and work through beyond finance.Business Response
Date: 09/29/2022
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 is requesting for Speedy Cash
to honor the POA consolidation document provided so that ****** *******, a debt
management company, can work on the Complainant’s behalf.
Speedy Cash’s records reflect that the Complainant visited Speedy
Cash online at ****************** and
applied for and obtained an installment loan with Ivy Funding Eight, LLC on August
7, 2022 in the principal amount of $2,430.00. The loan was contracted to be
repaid in 11 bi-weekly payments of $624.43 beginning on August 19, 2022 and a
final payment of $ $624.59 due on February 3, 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 servicing
the resulting loans. Speedy Cash does not operate in Texas as a lender. Speedy
Cash services the loan and charges CAB fees as permitted by Texas state law.
At 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 agreement, The
Complainant acknowledged her understanding that Speedy Cash would earn interest
on the outstanding balance from the date of the transaction until paid in full.
A review of the Complainant’s payment history show the Complainant made only one
(1) payment of $636.93. When no further payments were made as contracted, the
loan account was placed in delinquent status where collections activities
commenced as allowed by law.
Prior to this BBB complaint, the debt consolidation
documentation the Complainant provided was received and verified on September
9, 2022. An email was sent to the Complainant on September 9, 2022, confirming
the documents were accepted. The loan is now under debt management. Should the Complainant require further
assistance regarding her account, she can contact Customer Relations department
at ###-###-####.
We hope that we have fully addressed the complaint. Should
she or the Better Business Bureau require further explanation, we may be
reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 09/29/2022
I would like to verify that they d willing to work with ****** ******* to settle this account. I received an email stating you were refusing to accept this until you received follow up information, although it was provided to you. Am I clear that it is now accepted?
Regards,
****** *******Business Response
Date: 10/07/2022
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 she would like
verification that Speedy Cash is willing to work with B***** ******* to settle
her account.
As of September 9, 2022, the debt consolidation
documentation the Complainant provided was received and verified and documents
were accepted. The Complainant’s loan is now under debt management. Should the Complainant require further
assistance regarding her account, she can contact Customer Relations department
at ###-###-####.
We hope that we have fully addressed the complaint. Should
she or the Better Business Bureau require further explanation, we may be
reached at [email protected].
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 10/07/2022
I accept the business's response to resolve this complaint.
Regards,
****** *******Initial Complaint
Date:09/26/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 9/1/22 Speedy Cash deposited a payday loan based on my Social Supplemental Income (SSI) for Disability into my wrongfully closed ********** ******** **** Account without my consent.
Once I notified the company of its mistake, Speedy Cash refused to cancel loan #******** immediately. My ********** checking account had activity within the last six months, so my account's closure was illegal. After my checking account was closed, the debit/credit card assigned was deactivated. Therefore, I cannot use the money Speedy Cash forcefully deposited into ********** to reopen my account.Speedy Cash cannot open a closed checking account with a loan deposit to which I did not agree. The company wrote code to override an automatic program because the loan should have been denied based on being assigned to an account that was closed.
Speedy Cash will have to reverse their funding. Failure to reverse Speedy Cash's funding and cancel the loan will result Speedy Cash's attempt to garnish my SSI on my Direct Express account with the government.On 9/26/22 Speedy Cash sent me a bill for the loan to which I did not agree and cannot spend based on the ********** ******** **** checking account closure.
I will never use Speedy Cash's services again because they expressed an intention to extort money from me through a government account. I attached a document to substantiate my complaint.
Business Response
Date: 09/29/2022
**********
Thank you for the opportunity to respond to the complaint
filed by ****** ***** (Complainant). SCIL Inc. dba Speedy Cash, a member of Community
Choice Financial® family of brands, appreciates the role of the
Better Business Bureau in resolving consumer
concerns. We are happy to provide this response.
To summarize, the Complainant states Speedy Cash deposited
loan proceeds into a closed bank account. She is requesting to cancel the loan.
Our records show that on September 1, 2022, the Complainant
entered into an Installment Payday Loan online at www.speedycash.com in the principal amount
of $210.00 to be repaid in five (5) monthly payments of $71.10 with a final
payment of $71.09 due March 1, 2023.
Prior to this complaint, the Complainant sent Speedy Cash an
email that the bank account the loan proceeds were deposited into was closed.
In reviewing the account, it appears the loan proceeds of $210.00 were
successfully deposited into the Complainant’s bank account via ACH. The
Complainant signed an Optional Loan Payment Authorization that authorized and
instructed Speedy Cash to initiate electronic payments on the bank account
provided by the Complainant to seek scheduled payments on the loan.
To remedy the Complainant’s concern, we submitted an ACH
reversal request to the Complainant’s bank account but was unsuccessful. To date, Speedy Cash has not received the funds back from
the bank or received any indication that the funds were not successfully
deposited into the bank account provided by the Complainant at the time of the
loan application.
It is also important to note that our records show Speedy
Cash has not received any bank change request form from the Complainant. The
Complainant is encouraged to call Speedy Cash Customer Service at
###-###-#### to update her bank account information or should she have
further questions regarding her loan.
We hope that we have fully addressed the complaint. Should
she or the Better Business Bureau require further explanation, we may be
reached at [email protected].
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 10/05/2022
I do not have a legal obligation to help Speedy Cash and/or ********** ******** **** remedy their distributed denial of service against me. I will never use Speedy Cash and/or ********** ******** **** again, so their crime against me is evidence for the **** ********** ** ********.
I am canceling the loan with Speedy Cash and refusing to reopen a checking account with **********. Both companies owe me approximately 250K for breaking rules established by the Federal Deposit Insurance Company (FDIC).
Speedy Cash was never supposed to deposit the loan into a closed account. Their website should have registered the account as closed prior to deposit. ********** was never supposed to close my checking account. Their website should have registered activity on my account within the last sixty days as a reason to keep the account open. Both companies broke their own rules to overcharge me by writing code to override automatic procedures and safeguards.
I am glad that Speedy Cash has acknowledged that ********** ******** **** refuses to help them extort money from me without my permission. Since I am no longer interested in using Speedy Cash for loans or ********** for checking, the account will remain locked as evidence of criminal activity for the U.S. Treasury to investigate.
I strongly suggest that both companies agree to pay me a civil damage settlement to remedy the problem they deliberately created. Both Speedy Cash and ********** ******** **** have a well established history (registered on the Better Business Bureau website) of disrespecting people like me who are forcefully disabled by unethical conduct on the part of bad business people who are extremely unprofessional while seeking to further their financial gain.
I do not accept Speedy Cash's proposal that I reopen my ********** Checking account because I am reporting both companies to the Department of Treasury.
I do not want to continue doing business with either company, so they owe me a penalty for mismanaging my money without my permission.
Speedy Cash approved me for a payday loan based on my Social Security Supplemental Income (SSI) for disability on a Direct Express account, which is protected from garnishing based on Speedy Cash's unethical terms.
Therefore, my complaint on Speedy Cash is related to the federal government's Social Security Administration and the American Disability Act.
****** Brown******** ****** * ******* ********** * ****** ******* ***********
*** ****** ****** ****** ***
** ****** ******##############
Business Response
Date: 10/06/2022
Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant).
SCIL Inc. dba Speedy Cash, a member of Community Choice Financial® family of brands,
appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy
to provide this response.
To summarize, the Complainant states Speedy Cash deposited loan proceeds into a closed bank
account. She is requesting to cancel the loan.
Our records show that on September 1, 2022, the Complainant entered into an Installment
Payday Loan online at www.speedycash.com in the principal amount of $210.00 to be repaid in
five (5) monthly payments of $71.10 with a final payment of $71.09 due March 1, 2023.
Prior to this complaint, the Complainant sent Speedy Cash an email that the bank account the
loan proceeds were deposited into was closed. In reviewing the account, it appears the loan
proceeds of $210.00 were successfully deposited into the Complainant’s bank account via ACH.
The Complainant signed an Optional Loan Payment Authorization that authorized and instructed
Speedy Cash to initiate electronic payments on the bank account provided by the Complainant to
seek scheduled payments on the loan.
To remedy the Complainant’s concern, we submitted an ACH reversal request to the
Complainant’s bank account but was unsuccessful. To date, Speedy Cash has not received the
funds back from the bank or received any indication that the funds were not successfully
deposited into the bank account provided by the Complainant at the time of the loan application.
It is also important to note that our records show Speedy Cash has not received any bank change
request form from the Complainant. The Complainant is encouraged to call Speedy Cash
Customer Service at ###-###-#### to update her bank account information or should she have
further questions regarding her loan.
**** ******* ***** ***** *** * ******* **** *****
Main Line: ###-###-#### / Fax Line: ###-###-####
We hope that we have fully addressed the complaint. Should she or the Better Business Bureau
require further explanation, we may be reached at [email protected].
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****
Initial Complaint
Date:09/26/2022
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 the location to cash a check. After looking at the check they asked for my identification and to sign the check. Upon entering something into their computer. I was told the check couldn’t be cashed there. I went and cashed it elsewhere.
I was contacted later by the pl*** I went that actually cashed the check and was told the bank was refusing to pay out the check because it was previously paid out. I went to the bank the check was drawn under and found out it had already been paid out to Check into Cash, which of course was a shock to me since they refused to cash it.
I spoke with someone in May and payment was supposed to be sent out in June. Only to find out last week it still hasn’t. I’ve made contact with the corporate office again last week and was told the issue had been sent up to upper management and I would receive a call back. I called several times this week and was told they haven’t received any updates and I just have to wait on a call.
The actual pl*** that cashed the check contacted me about cashing a fraudulent check which started my investigation into what actually happened back in May and here it September and still nothing has happened and no one has reached out.
Business Response
Date: 09/29/2022
Thank you for the opportunity to respond to the complaint
filed by **** ***** (Complainant). Check Into Cash (CIC), appreciates the role
of the Better Business Bureau in resolving consumer concerns. We are happy to
provide this response.
To summarize, the Complainant states she visited a CIC
location to cash a check; however, they were unable to, so the Complainant
cashed the check at a different business. The Complainant was then contacted by
the company that had cashed the check and was informed the bank would not pay
the funds due to the funds already being paid out to CIC. The Complainant is
requesting the funds for the check.
A review of our records shows, on January 6, 2022, the
Complainant present a check in the amount of $500.49 for cash; however, for
unknown reasons, the CIC location was unable to provide this service.
Unfortunately, due to human error, the check was not properly voided in our
system allowing it to be deposited to the bank.
We appreciate the Complainant bringing this situation to our
attention and we apologize for the inconvenience this has caused. On April 25,
2022, a check in the amount of $500.49 was made payable and mailed to ***, the
check cashing company where the Complainant cashed the check, to cover the
returned check. On September 29, 2022, we confirmed they received the check and
applied it to the outstanding balance on the Complainant’s account.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Initial Complaint
Date:09/25/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Yesterday 09/23/22 I cashed a check for 756$ they claim I owe 550$ in bounced checks I know I owed 100-125$ ish for one sure I’ll pay what I owe they are trying to get me for 400$+ that I never bounced/cashed with them
I did go in on dates they say I was there but if they would pull up their security cameras and they would see I never left with any cash that day!
They said I cashed 2 other 200$ checks that they denied the girl even knows who I am remembers this day but won’t give me the money didn’t get a recipt or print out of charges or a explanation they didn’t let me take my check and leave and they said they have the camera footage but didn’t go over it she refused to contact her manager and I’m over here scraping up money for food this is not okay
I want my 400$ and I want this resolved asap
Also why couldn’t I get a print out she just said oh it’s noted then the other girls were complaining of the draws being off or over under before I cashed it she wouldn’t hand me my check or stub back said I only could cash with her
Business Response
Date: 10/02/2022
Thank you for the opportunity to respond to the complaint
filed by Cassidie Brace (Complainant). California Check Cashing Stores, LLC
(CCCS), a member of the Community Choice Financial® family of
brands, appreciates the role of the Better Business Bureau in resolving
consumer concerns. We are happy to provide this response.
To summarize, the Complainant states on September 23, 2022,
she cashed a check for $756.00 at a CCCS location, and a CCCS representative
claimed she owed $550.00 for previously returned checks. The Complainant admits
she did owe a balance; however, not in the amount stated, but rather around
$100.00. The Complainant is requesting a refund of at least $400.00 and is also
inquiring as to why she could not get a printout of the what the CCCS
representative was claiming she owed.
A review of our records shows, on September 23, 2022, the
Complainant present a check for cash in the amount of $756.94. The Complainant
had an outstanding balance of $100.00 from a check cashed and returned in July
2022. The Complainant’s account was also documented with past check cashing
transactions requested by the Complainant; however, these transactions were not
able to be completed by CCCS. Unfortunately, the CCCS agent assisting the
Complainant on September 23, 2022, misread those transactions, and believed
they represented an outstanding balance resulting in the representative collecting
the incorrect amount of $550.00. When this situation was brought to the
attention of management, the CCCS representative was notified of the error made
and on September 26, 2022, the Complainant was provided a cash refund of
$450.00, and a $100.00 payment was applied to the account’s outstanding balance
resolving any balance owed at that time by the Complainant.
Regarding the request for a printout, the Complainant was
provided with a receipt for her check cashing transaction in July 2022 and
again on September 23, 2022. However, CCCS was not able to provide a printout
showing an outstanding balance of $550.00 due, as this amount was the results
of the agent’s misinterpretation of the account.
We appreciate the Complainant bringing this situation to our
attention and allowing us to correct the error. We have used this as an
opportunity to provide training to CCCS staff to avoid a potential recurrence. We
apologize for the inconvenience this situation has caused and are glad we were
able to provide a quick resolution that we hope the Complainant found
satisfactory.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Initial Complaint
Date:09/23/2022
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.
This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported:
Account Name SPEEDY CASH Balance $1,033.00 Account Number *************Business Response
Date: 09/27/2022
************
Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant). Speedy Cash Illinois, Inc., 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.
Please note that Community Choice Financial recently completed its acquisition of the Speedy Cash, ***** **** and **** brands. Although the transaction in question occurred prior to the closing of the acquisition, we will, of course, work to resolve any concerns raised by the complaint.
To summarize, the Complainant states the details of his loan account being reported to the credit bureaus are inaccurate. He is requesting a correction to his credit report.
As a brief background, the Complainant obtained an installment loan with Speedy Cash in the principal amount of $603.00 on April 29, 2016, at a storefront in Chicago, IL. The loan was contracted to be repaid in 11 bi-weekly payments of $107.97 and a final payment of $107.96 due on October 14, 2016. A review of the loan history shows the Complainant made two (2) payments for the total amount of $323.91. When the Complainant did not make the scheduled payment due on July 8, 2016, the loan went into a past due status. Thereafter, collection activities commenced, as allowed by law.
On October 7, 2016, Speedy Cash placed the account with an unaffiliated third-party collection agency, ** ***** ******** ********* **** (“** *****”). Due to non-payment, on December 3, 2019, the Complainant’s loan was subsequently sold to ******** ****** ********** ***, this may or may not be the entity reporting the account to the credit bureaus. A review of our records shows Speedy Cash is not currently reporting this account to any credit bureaus, if the Complainant has evidence to the contrary, we ask they provide documentation so we may further investigate.
As we are no longer the owner of record, further questions and comments including the request for the loan details to be corrected on the Complainant’s credit report should be directed to ******** ****** ********** ***, reachable 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,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Initial Complaint
Date:09/20/2022
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.
Hello, 2 months ago I reached out by email to speedy cash to let them know that I am having huge issues paying, and I got no reply. Yesterday, I recieved an email that said to call. I explained that I cannot call because of my long work hours, to which I recieved another email saying to call and I cannot. As I stated I cannot pay and am in a bad financial hardship. I have paid hundreds if not thousands above what I have borrowed so speedy cash has gotten their money back plus some. I am asking to please stop the interest and clear my balance out and close my account. Please help. Thank youBusiness Response
Date: 09/23/2022
Thank you for the opportunity to respond to the complaint
filed by ******* ***** (Complainant). Concord Finance, Inc., 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 states she reached out to
Speedy Cash by email to let them know she was having issues paying her line of
credit but received no reply. She also states when she received an email
response from Speedy Cash two months later, she was told to call but was unable
to do so due to long work hours. The Complainant claims she has paid hundreds
if not thousands above what she has borrowed, and is requesting to stop the
interest, waive the balance, and close the account.
Our records show, on September 5, 2019, the Complainant was
initially approved for an online line of credit in the amount of $315.00 in
which a total of $315.00 was funded to the checking account on file. A review
of the loan history indicates the Complainant regularly made the minimum
scheduled payments and made multiple cash advances against the line of credit
indicating that she understood the loan product. As a result of the
Complainant’s payment history, the credit limit was increased to $750.00. The
Complainant paid off the credit balance to zero on April 21, 2022, but has
since accessed a total of $1,300.00 from her credit line and made a total of
$1,103.11 in payments. There is a current balance of $828.54.
As part of the process of requesting a loan, consumers are
presented with the loan agreement which includes the Federal Truth in Lending
Disclosures for open-end loans setting forth the Annual Percentage Rate (APR),
annual fees, and total amount of the line of credit granted. The agreement also
includes how the balance is calculated and how fees and interest are charged to
the account. The contract must be reviewed before the loan is signed. The
Complainant was provided copies of all signed documents for her records.
On July 28, 2022, Speedy Cash received an email from the
Complainant informing Speedy Cash she had lost her job. The Complainant also requested
to freeze her interest rate on the loan and whether payments can resume in 30
days. In response, Speedy Cash deleted all debit cards on file and stopped all
future ACH Payments so that no automatic payment is applied towards the
Complainant’s account. On September 19, 2022, Speedy Cash received an
additional email from the Complainant informing Speedy Cash she is having
trouble paying back her loan requesting for a payment arrangement via email.
Unfortunately, as explained in the email in response to the Complainant, due to
our policies and procedures, Speedy Cash is unable to assist with payment
arrangements via email.
After a thorough review of the Complainant’s account, we
believe we made every effort in addressing the Complainant’s concerns.
Unfortunately, no credit will be applied to the account 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 with the Complainant. We
encourage the Complainant to contact our Customer Service Department at ###-###-#### in order to make satisfactory arrangements regarding her
accounts.
Since the Complainant’s payment information has been deleted,
the Complainant will have to initiate each payment as no automatic payments
will be processed. If the complainant
wishes to update her banking information for future payments, she can do so by
visiting a Speedy Cash location, contacting Speedy Cash’s Internet Lending
department at ###-###-####, or logging into her online portal.
Please note payments made on this account are dependent on
the Complainant initiating them; however, that does not negate the requirement
for a minimum monthly payment to be received. If the minimum monthly payment is
not received, Speedy Cash is within their rights to default the loan and
require balance in full at that time.
We hope that we have fully addressed the complaint. Should
the Complainant or the Better Business Bureau require further explanation, we
may be reached at [email protected].
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Initial Complaint
Date:09/07/2022
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.
In February 2022 I got a loan for 300.00 I was told I can pay each month towards loan to pay it off with a little interest. I noticed $84.00 taking out of my check each month and it continued past paying it off in Aug they took out 394.00 plus 84.00 that month. No letter. Upon investigating Bank alerted me in march 2022 to aug 2022 they took out double $ 84.00 dollars a month. The cost of 300.00 Loan I paid 1,238.00. I would of never took out the loan if I was told this correctly. They worded it as if you take out 300.00 you pay monthly interest till it's paid in full with small interest. They missed informed me about the loan and stole my money. Please look into this . I do not recommend this business to others.Business Response
Date: 09/09/2022
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 in February 2022, she
got a loan for $300.00 and $84.00 payments were taken from her bank account
each month. Then in August, $394.00 was debited from her account in addition to
the $84.00 payment, and her bank informed her that Speedy Cash had taken double
payments from March to August. The Complainant is stating she was misinformed
about the loan she obtained, and that if she had been given the correct
information, she would never have taken out the loan. The Complainant is
requesting a refund.
A review of Speedy Cash’s records indicate on February 17,
2022, the Complainant obtained a loan from *** ******* *********** *** online
at ****************** in the principal amount of $300.00 with a finance charge of $1022.46 and a
payment schedule of 11 bi-weekly CAB fee
payments of $84.00 starting on March 11, 2022, and one final payment of $398.46
representing the lender interest, loan principal, and CAB fee payment due on
August 12, 2022. **** ****** *** DBA www.speedycash.com is a registered Texas
Credit Access Business (“CAB”) matching borrowers with willing, unaffiliated
lenders and servicing the resulting loans. Speedy Cash does not operate in
Texas as a lender. Speedy Cash services the loan and charges CAB fees as
permitted by Texas state law.
At the time of loan origination, the Complainant was
presented the loan agreement which includes the Federal Truth in Lending
Disclosures where the annual percentage rate (APR), finance charge, amount
financed, and total of payments is disclosed. The contract must be reviewed
before the loan is signed. Additionally, the Complainant signed the Speedy Cash
Credit Services Disclosure statement that also disclosed the payment schedule
including how CAB fees accrued. We
have enclosed redacted copies of the Loan Agreement and CAB Agreement which
includes the electronic signature of the Complainant. An electronic signature is recognized by the State of Texas under Tex. Bus. & Com. Code §
322.002(8) which is the state’s adoption of the Uniform Electronic Transactions
Act providing for parties to engage in e-commerce through use of electronic
contracts.
It is important to note that the Complainant had the right
to cancel the loan contract, without penalty, within three (3) days after the
date the contract was signed. Further, there is no prepayment penalty on any of
the loan products offered through Speedy Cash. Customers are strongly
encouraged to make payments greater than the minimum amount due in order to
reduce the outstanding principal sooner. Paying down the outstanding loan
balance can result in reduced finance charges. The Complainant should be
advised that she paid the loan off in full and there is no outstanding loan
balance.
Regarding the Complainant’s request for refund, the scheduled
payments applied toward the loan were authorized per the signed loan agreement
and payment authorization; no refund will be issued at this time. A review of
Speedy Cash’s record show the Complainant made 11 bi-weekly CAB fee payments and
a final payment of $398.45 paying off the loan in full. Respectfully, Speedy
Cash believes that the conditions of the loan were clearly disclosed and find
no discrepancy or concern in how the transaction was processed. If for any
reason the Complainant believes Speedy Cash’s record is inaccurate, we urge the
Complainant to send a copy of her bank statement to [email protected] showing
that a refund is owed.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****
*****Initial Complaint
Date:09/06/2022
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On Sept 1st I applied for a payday loan from Cash Central and was approved for 400. When I went and looked at my info, I noticed that almost ALL of the information was incorrect. Bank account number, Drivers license, work start date. I immediately reached out by email to inform them and included ALL of the correct info to customer support but got no response.
I got an email telling me that the loan would be deposited, but because the info was not showing as updated, I assumed it was a scam. Fast forward to Sept 6th, I got an email telling me that they will be withdrawing money on the 12th of September but I NEVER GOT ANYTHING FROM THEM!
I sent more emails informing them of the mistake again but no response. I told them they need to find out who they gave the money to and try to collect from them.
I do not want them to try and pay themselves for something that I never got. I am contacting my bank to close my account and open another one due to fraud.Business Response
Date: 09/08/2022
Thank you for the opportunity to respond to the complaint
filed by ****** ***** (Complainant). Buckeye Check Cashing of Tennessee, LLC
dba easymoney, (aka 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 on September 1, 2022,
she applied for a loan from Cash Central and was approved; however, when she
checked the information regarding the bank account where the loan funds were to
be deposited, she noticed that the information was incorrect. She states that
she sought to contact Cash Central, but she never heard back and assumed this
was a scam. Then on September 6, 2022, she received an email from Cash Central
stating payment in full would be collected. The Complainant states that she
does not want Cash Central to collect on a loan that she never received.
A review of our records revealed, on September 1, 2022, Cash
Central was presented with an online loan application in the Complainant’s name
from a third-party lead provider. Given the time of night the application was
received, it was actually approved on September 2, 2022. This payday loan was in the amount of $400.00
with a finance charge of $70.56, and a due date of September 12, 2022. The loan
was funded the following business day on September 6, 2022, by an electronic
transfer of funds to the bank account provided on the application.
Cash Central did receive an email from the Complainant on
September 2, 2022, notifying us of alleged incorrect information as to the bank
account. However, by the time this email
was reviewed and processed, the time for making any changes to the designated
receiving bank had passed and the EFT file for this loan had already been
submitted to our bank for the funds to be deposited on the next business day.
It is important to recognize that all information on the
online loan application is entered by the applicant, including the bank account
number. As part of the verification process, Cash Central attempted to contact
the Complainant by phone, but there was no answer, and while a message was
left, the call was not returned. However, later the Complainant did respond to
our automated verification process which she completed via a link sent by us to
the cell phone number that we had on file for her.
The Complainant’s name, address, and bank account
information was provided on the loan agreement which consumers are required to
review and sign prior to the loan being funded. If the information is
incorrect, consumers should not sign the loan agreement. By signing a consumer authorizes Cash Central
to deposit funds to the designated bank account number listed on the loan
agreement.
Through subsequent correspondence with the Complainant, it
has been determined that the bank account listed on the loan agreement was in
fact their bank account, but just not the one she wished to receive the funds.
The Complainant has since made it very clear that she does not wish to have a
loan with Cash Central and since the loan was in the rescission period, we have
rescinded the loan. Proper recission of the loan requires the funds provided be
returned, however. Should this repayment
be completed successfully, the loan will be deemed paid and fully rescinded,
and the Complainant will not be charged and fees or interest, but for the
return of the amount deposited into her bank account. If the rescission payment
is not successful, then collection efforts to recover the principal amount of
the loan and all other amounts owed will commence as allowed by law.
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
**** ******* **** ****
******* ** *****
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