Complaints

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

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• 

  Community Choice Financial, Inc.

  5165 Emerald Pkwy Ste 100 Dublin, OH 43017-1063

  
• 

  Community Choice Financial, Inc.

  170 N Wilson Rd Columbus, OH 43204-1263

  
• 

  Community Choice Financial, Inc.

  5327 Westpointe Plaza Dr Columbus, OH 43228-9131

  
• 

  Community Choice Financial, Inc.

  2013 Zettler Center Dr Columbus, OH 43223-6266

  
• 

  Community Choice Financial, Inc.

  140 S Sandusky St Delaware, OH 43015-2303

  

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

• Initial Complaint

  Date:01/31/2023

  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.

  Today on 01/31/2023 Speedy Cash stole 666.94 from my bank account. I had no idea they were trying to charge me the full amount. They claim that they were trying to call me to work out a payment plan but when I told them I didn’t know and no one left me a voicemail or email they said they don’t leave voicemails or emails. And I told them I didn’t authorize the charge, that I have other bills I have to pay, and my daughters birthday is coming up and they took my whole paycheck. They said the payment is legit and not eligible for a refund. And that if I need more money for the next 2 weeks that I’m more than welcome to apply for another loan, but I don’t want another loan. I don’t want to do business with them anymore. They are thieves and I want my money back. Taking out this much without my consent is unethical and shady.

  

  Business Response

  Date: 02/06/2023

  *************
  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 that Speedy Cash was not authorized to process a 
  payment in the amount of $666.94 and that they were unaware that Speedy Cash would charge 
  the full amount. The Complainant also claims they were unaware that Speedy Cash was 
  attempting to contact them to work out a payment plan. The Complainant is requesting to have 
  the payment refunded.

  
  Speedy Cash’s records reflect that the Complainant obtained a loan on September 24, 2022, with 
  Ivy Funding Ninety-Six, LLC in the principal amount financed of $350.00 at a Speedy Cash 
  storefront in Round Rock, Texas. The loan was contracted to be repaid in 12 bi-weekly CAB fee 
  payments of $98.00 starting October 4, 2022, and a final payment of $465.06, which includes the 
  principal, lender interest, and final CAB fee payment, due on March 21, 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 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 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 review of the loan history indicates that the account became past due on October 11, 2022,
  when the scheduled payment due on October 6, 2022, was not successfully made; thereafter, 
  collection activities commenced as allowed by law. The Complainant made two collection
  payments in the amounts of $98.00 and $12.50 on October12, 2022 and October 17, 2022,
  

  respectively, bringing the account current. The next two scheduled payments due on October 21, 
  2022, and November 1, 2022 were made on time. The third scheduled payment due on 
  November 17, 2022, was not made causing the account to become past due for the second time. 
  As such, the loan remained past due and collection efforts continued. 

  
  On November 29, 2022, our records show the Complainant made a $10.00 payment; however, 
  the payment was below the minimum payment and did not bring the loan current. Our records 
  indicate Speedy Cash attempted to contact the Complainant by phone in order to assist with 
  repayment but were unsuccessful. On January 31, 2023, a collection payment was processed for 
  the full balance of $666.94 with card ending in 2079 for the past due payment as allowed by the 
  signed loan agreement and the Optional Loan Payment Authorization that authorized Speedy 
  Cash to initiate an EFT, ACH or card payment in the event of default. 

  
  We submit that there was no unauthorized debit of the Complainant’s account. It is important to 
  note that customers are never required to repay a debt through recurring electronic payments. 
  The Complainant voluntarily authorized Speedy Cash to initiate EFT, ACH or card payment 
  transactions for re-payment of their loan by signing a written optional loan payment 
  authorization and requested that payment be taken from their bank card ending in 2079. At no 
  time did the Complainant revoke their payment authorization. 

  
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no 
  discrepancy or concern in how the transaction was processed. We encourage the Complainant to 
  call our Customer Relations Department at ###-###-#### for questions regarding their 
  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 
  [email protected].

  
  Sincerely,
  BSG – Consumer Complaints
  ***********
  

• Initial Complaint

  Date:01/31/2023

  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 applied for a Speedy Payday loan back in 2015 to my knowledge it was between 250.00-350.00 it could be more or less however due to me leaving the area where I applied for this loan I was unable to pay.

  My identity has been compromised meaning sold to the dark web since 2013 due a breach from another company. I have not heard of companies large as Speedy Cash would have a third party contact me via phone when clearly after years of not hearing from Speedy Cash or any of it's affiliates

  I get a phone call today at exactly 2pm via to my mobile phone which I had know idea how they got my number a robot call voice about a settlement from a company named ******** ********* ****** the first {rep.} the call was disconnected however I call the number back which was not a toll free number then a operator answered and asked how to direct my call, mind you I had know clue it was Speedy Cash or someone claiming to be their company.

  I replied I just received a call from this number and was disconnected I don't know what the call was about or who I spoke to either. She then transferred me to a highly unprofessional woman who was talking at me instead of to me asking me my name and the last four of my social when I gave she then asked me what was the nature of my call I explained and she put me on hold but before acting as if someone was telling her what questions to ask me so after maybe 2 mins she then came back trying to make me angry and telling me in bits n pieces what the call was about

  then she finally said Speedy Cash I remained quiet to hear the background which the TV was very loud which put up a red flag then she told me I can't hear you so I walked to another room and she then started throwing out figures such as 896.00; 2,219 and 570.

  when I could not administer my credit card information she became out of control with a hint of rage I never ever had that happen if they were a legitimate company. She was talking over me and she said why are you angry I then hung up.

  

  Business Response

  Date: 02/06/2023

  ****************
  
  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 they applied for a Speedy
  Payday loan in 2015 between the amounts of $250.00-$350.00 but were unable to
  pay it. They claim they received an unprofessional phone call from Speedy Cash
  attempting to collect the debt. They are requesting a refund, an explanation of
  charges, and no further contact from the business.
  
  A search of Speedy Cash’s records does not show any loan transactions
  under the name or personal information of the Complainant as provided in the
  complaint. Speedy
  Cash strongly denies the correspondence mentioned within the complaint was from
  Speedy Cash or authorized on its behalf. The Complainant appears to be a victim
  of a debt collection scam.
  
  Speedy
  Cash is not affiliated in any way with Champion Community Credit. Speedy Cash
  abides by the Fair Debt Collection Practices Act and does not engage in
  threatening or harassing tactics in order to collect legitimate debt. Speedy Cash is aware that,
  unfortunately, bad actors are posing as collectors for legitimate lenders in an
  attempt to defraud unsuspecting consumers by means of threats and harassment.
  Speedy Cash encourages consumers to report all such fraudsters to local law
  enforcement agencies.
  
  The
  Complainant is invited to visit Speedy Cash’s website,
  ************************* to learn more about how to protect against such
  fraudulent acts. Additionally, the Complainant may contact Speedy Cash directly
  at ###-###-#### to determine the legitimacy of any call or correspondence
  claiming to be from Speedy Cash.
  
  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
  5165 Emerald Pkwy #100
  Dublin, OH 43017     

  Customer Answer

  Date: 02/08/2023

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

• Initial Complaint

  Date:01/27/2023

  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 obtained a loan from Speedy Cash here in Houston due to an urgent matter. This is not my first time pulling out a loan. My first loan was paid off early. I paid off the loan in full an was suggested by an employer to pull out another loan and not pay in full because It would cost me more, so a second loan was obtained (current loan). I have not paid any late fees on this loan and was informed that I pay a little extra on each bill bi-weekly on payment day so it can reflect on my balance- which I have been doing. Two weeks ago I made my payment and my balance was around $1500. This week, I went to pay on my bill, and my balance was $1800+. I contacted customer service, and they told me that there was a $60 cab fee, and I was told the wrong information about my payments. Her exact words were " you should have been paying your regular payment on the payment due date and then pay the extra payment the next day or within 72 hours after the pay date." I told her that I had paid over each payment date, and she said it does not count because it was on the due date, so that's why my balance was increased. She suggested that I make a big payment of " 800 or more" and I should be fine. I informed her that I could not do that. I care for my sick mother, who has cancer, and I'm a full-time student, I don't have "extra" money. She told me there was nothing she could do. My complaint is not paying on the bill, it's that I tired to pay the bill off when I did have extra money and was encouraged to not do so because it will cost me more money. I do not want this on my credit, but I can't keep paying a bill that is not going to get reduced. Secondly, when I signed up for the loan, the information that was provided to me in the store was 100% different than what was told to me by customer service. No one is trying to help me and now I'm stuck and financially uncomfortable due to this issue.

  

  Business Response

  Date: 02/02/2023

  February 2, 2023
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  Re: BBB Complaint ID 18936816
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by ***** ******** (Complainant). SCIL Texas, LLC dba Speedy Cash, a member of the CCF Intermediate Holdings LLC family
  of brands, appreciates the role of the Texas Office of Consumer Credit Commissioner
  in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they obtained a loan
  from Speedy Cash after being encouraged by an employee to get another loan
  instead of paying the loan off. They state that they were advised that it would
  cost more money to pay the loan off instead of reloaning. The Complainant also
  claims that they were provided misinformation about their loan at the store in
  Houston, TX. They are upset because no one is trying to help them, they feel
  stuck and financially uncomfortable. The Complainant is requesting to have this
  removed from their credit but can’t pay a bill that will not get reduced.
  
  Speedy Cash’s records reflect that the Complainant visited
  the Speedy Cash location in Houston, TX on August 5, 2022 and obtained a loan
  with Ivy Funding Eight, LLC in the principal amount financed of $749 to be
  repaid in 11 bi-weekly CAB fee payments of $164.78 starting August 26, 2022 and
  a final payment of $949.39, which includes the principal, lender interest, and
  final CAB fee payment, due on January 27, 2023. The Complainant subsequently
  refinanced their existing loan five (5) additional times on August 5, 2022,
  September 9, 2022, September 23, 2022, November 5, 2022, and December 3, 2022,
  borrowing additional funds in the amount of $351.00, $175.00, $1,100.00, $100.00,
  and $156.13, respectively. 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 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 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.
  
  Regarding the Complainant's claim that we encouraged the
  customer to take out another loan, we deny this allegation as Speedy Cash
  strongly 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.
  
  Speedy Cash believes that the conditions of the loan were
  clearly disclosed and finds no discrepancy or concern in how the transaction
  was processed. 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 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 Texas Office of Consumer Credit Commissioner require
  further explanation, we may be reached at [email protected].
  
  Sincerely,
  
  BSG – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017     
  

• Initial Complaint

  Date:01/23/2023

  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.

  These people are crooks and took 2 different amounts automatically from my checking account. They deducted $98.90 on January 6 and then again January 20 for $158.08. I only get paid the 10th and 25th of the month. I called them today 1-20 and asked them if they could reverse it and they told me it will not be in their account until Monday but cannot reverse it. I will have to contact my bank and have a stop payment on it and will pay them on the 25th. These people need to be stopped for treating poor people like this. I only have $145 left in my bank account until the 25th. If I get an overdraft it will cost $30 additional dollars per overdraft.

  

  Business Response

  Date: 01/25/2023

  January 25, 2023
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed ** ****** ***** (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 Speedy Cash took two
  different amounts automatically from the Complainant’s checking account on
  January 6, 2023, in the amount of $98.90 and on January 20, 2023, in the amount
  of $158.08. The Complainant called on January 20, 2023, asking if they could
  reverse the payment but was told payment could not be reversed. They are
  requesting a billing adjustment.
  
  A review of Speedy Cash’s records reflects on December 12,
  2022, the Complainant obtained an open-end credit plan online at www.speedycash.com with a credit limit of
  $1,000.00 with an initial cash advance amount of $1,000.00. By signing the Speedy
  Cash Open-End Credit Agreement and Disclosure Statement, the Complainant
  acknowledges that they are provided with a copy of the contract and further
  acknowledges that they have read, understand, and agree to all the disclosures
  and terms of the loan.
  
  A review of the payment history shows the Complainant made a
  payment of $98.90 on January 6, 2023, and a payment of $158.08 on January 20,
  2023. The scheduled payment dates were based on the Complainant’s bi-weekly pay
  cycle as entered in their loan application. Further, it is important to note
  that the first and second payment dates along with the estimated payment
  amounts are detailed in the disclosure statement signed at loan origination. When
  the Complainant called to have the payment reversed on January 20, 2023, the
  payment was already initiated via ACH and could not be reversed.
  
  Speedy Cash believes that the conditions of the loan were
  clearly disclosed and finds no discrepancy or concern in how the transaction
  was processed. Regrettably, a billing adjustment will not be provided at this
  time. We encourage the Complainant to call our Customer Relations Department at
  1-800-856-2911 for questions regarding their 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 [email protected].
  
  
  Sincerely,
  
  BSG – Consumer Complaints 
  
  

• Initial Complaint

  Date:01/19/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The original amount of the loan was $900. I began payment in September 2019. I have made payments on this loan up to April 2022. I was informed that the company changed management to Community Financial LoansThe interest rate went up and the payments started over. I stopped paying in April 2022. I called to see what was going on with the loan on January 19, 2023. I was told I owed $1200 on the loan, which was interest-free. I do have documentation that will be shared with the Attorney General.

  

  Business Response

  Date: 01/26/2023

  January 26, 2023
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to
  respond to the complaint filed by ****** ********* (Complainant). First
  Virginia Financial Services, LLC dba First Virginia, 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 obtained a loan in the amount of $900.00 in which they
  made payment starting in September 2019 until April 2022. They claim they were informed
  First Virginia changed management and the interest rate went up resulting in payments
  starting over. They are told they owe $1,200.00 on the loan interest-free. They
  are requesting a billing adjustment or refund.
  
  As a brief
  background, First Virginia’s records reflects on July 16, 2022, the Complainant
  obtained a line of credit with a credit limit of $900.00 with an initial cash
  advance amount of $900.00 at a storefront in Chesapeake, Virginia. At loan
  origination, the Complainant signed a line of credit agreement acknowledging that
  they are provided with a copy and that they have read, understand, and agree to
  all the disclosures and terms of the loan.
  
  After reviewing the
  Complainant’s payment history, it appears the Complainant made regular payments
  on the loan; however, payments were not regularly paid on time. Records show
  the Complainant made 22 late payments. Consequently, when payments were late,
  interest continued to accrue on the unpaid balance. Further, a $3.00 return fee
  was added to the balance for each unpaid item and a $25.00 late payment fee if
  the minimum payment is not made within 4 days of its payment due date. The Complainant
  had a total of $66.00 in return charges and $150.00 in late fees. Our records
  also show the Complainant advanced additional funds in the amount of $577.53 for
  the life of the loan.
  
  We believe that the
  conditions of the loan were clearly disclosed and find no discrepancy or
  concern in how the loan was processed. We urge the customer to refer to the
  first page of their signed loan agreement to see how the balance is calculated
  and to see the disclosed fees.  We also reject
  the Complainant’s claim that payments started over due to management change as
  there has not been any recent changes to First Virginia’s management.
  While we deny any wrongdoing, in the
  interest of goodwill, Speedy Cash has decided to waive the remaining balance as
  a courtesy. Should the Complainant have additional
  questions regarding their account, they can contact First Virginia
  Customer Service at 855-920-9800.
  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:01/10/2023

  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.

  Loan dated 11/30/22 for $7,000 with craig, then he told me I owed for insurance and other fees, all refundable. It took a while I paid them then I was told by ***** ***** I owed late fees and the loan could be changed to 14k with no interest. Then it took more time ***** said around December 20th he would keep the loan open. I told him I couldn't pay the fees until 1/6/23. I paid 500 on 1/6 & 500 on 1/9..
  I was sent an email that I would get the transfer I go after I sent proof of the transfer. Instead I got a not that I owed $1500 in late fees.
  There is nothing in the papers about these $4500 in refundable fees, or any fees. Stupidly I paid these fees.. All I want is either the funded loan with all refundable fees or the refundable fees paid back to me immediately.

  

  Business Response

  Date: 01/16/2023

  ********************
  
  Thank you for the opportunity to respond to the complaint
  filed by ***** ********* (Complainant). Speedy Cash, a member of Community
  Choice Financial® family of brands, appreciates the role of the
  Better Business Bureau in resolving consumer
  concerns. We are happy to provide this response.
  
  To summarize,
  the Complainant states they obtained a Loan on November 30, 2022, in the
  amount of $7,000.00 and was told me they owed insurance and other fees, all
  refundable. They paid fess in the amount of $500.00 on January 6, 2023, and
  $500.00 on January 9, 2023. Instead of a funded loan, they were told they owed
  an additional $1,500 in late fees. They are requesting a funded loan or a
  refund for all the fees they paid. 
  
  After a thorough search of Speedy Cash’s records, an
  incomplete application was initiated on November 9, 2022, under the
  Complainant’s information provided in the complaint; however, we did not locate
  any approved loan account. We strongly deny any correspondence provided within
  the complaint is from Speedy Cash or authorized on its behalf.
  
  It is important to note that Speedy Cash never requests, nor
  requires pre-payment of any kind for any loan. Unfortunately, it appears that
  the Complainant may be a victim of a pre-pay loan scam. Speedy Cash is aware
  that, unfortunately, bad actors are posing as legitimate lenders in an attempt
  to defraud unsuspecting consumers. Speedy Cash encourages consumers to report
  all such fraudsters to local law enforcement agencies, the Federal Trade
  Commission (“FTC”) and the CFPB.
  
  The Complainant is invited to visit Speedy Cash’s website at ************************ to learn
  more about protecting against such fraudsters. Additionally, the Complainant may
  call Speedy Cash directly at ###-###-#### to verify the legitimacy of any call
  or correspondence claiming to be from Speedy Cash.
  
  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:01/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have money in my bank account yet Speedy agents continually claim that my bank debit card is no good.

  

  Business Response

  Date: 01/11/2023

  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 have money in
  their bank account and yet Speedy Cash continually claim that the bank debit
  card cannot be used for payment. They are requesting to be contacted by Speedy
  Cash so that the Complainant can make a payment toward their loan.
  A
  review of Speedy Cash’s record shows on October 29, 2022, the Complainant
  obtained a payday loan with Speedy Cash online at ****************** in the
  principal amount of $255.00 to be repaid in full in the amount of $300.00 on
  November 29, 2022. At the time of the loan
  origination, the Complainant was provided with a copy of the signed loan
  agreement in which they agreed to the terms and conditions of the loan
  On
  December 1, 2022, when payment was not received on the due date, the loan went
  into default status and collection activities commenced as allowed by law.  On December 14,
  2022, the Complainant was set up on a payment plan; however, the Complainant
  did not make any payments toward the loan thus breaking the payment plan. The
  Complainant’s outstanding balance is $315.00 which includes a $15.00 surcharge
  fee due to an ACH authorization that returned unpaid.
  Regarding the Complainant’s claim that Speedy Cash continually
  refused to deduct payment using the Complainant’s debit card, a review of the
  payment history shows, on November 29, 2022, the debit card used to make a payment
  resulted in an error code of invalid transaction consequently blocking the
  debit card on file from being used for any future payment. Additionally, Speedy
  Cash’s records do not indicate the Complainant provided a new debit card number
  on the account to use for payment.
  
  As this loan
  is currently past due, we encourage the Complainant to call our Customer
  Service department directly at 800-856-2911 to make payment arrangements for their
  current loan.
  
  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

  Customer Answer

  Date: 02/10/2023

  I have been trying for over 30 days to pay off my loan. Speedy reps keep claiming that my debit card is no good. Inferring that I have no money in my account. I tried to file a complaint with the BBB and the BBB Ohio, assumes that Speedy is correct. This is a second complaint.

  

  Business Response

  Date: 02/14/2023

  February 14, 2023
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID
  ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by ***** ****** (Complainant). 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 have money in
  their bank account and yet Speedy Cash continually claim that the bank debit
  card cannot be used for payment. They are requesting to be contacted by Speedy
  Cash so that the Complainant can make a payment toward their loan.

  
  A
  review of Speedy Cash’s record shows on October 29, 2022, the Complainant
  obtained a payday loan with Speedy Cash online at ****************** in the
  principal amount of $255.00 to be repaid in full in the amount of $300.00 on
  November 29, 2022. At the time of the loan
  origination, the Complainant was provided with a copy of the signed loan
  agreement in which they agreed to the terms and conditions of the loan.

  
  On
  December 1, 2022, when payment was not received on the due date, the loan went
  into default status and collection activities commenced as allowed by law.  On December 14,
  2022, the Complainant was set up on a payment plan; however, the Complainant
  did not make any payments toward the loan thus breaking the payment plan. The
  Complainant’s outstanding balance is $315.00 which includes a $15.00 surcharge
  fee due to an ACH authorization that returned unpaid.

  
  Regarding the Complainant’s claim that Speedy Cash continually
  refused to deduct payment using the Complainant’s debit card, a review of the
  payment history shows, on November 29, 2022, the debit card used to make a payment
  resulted in an error code of invalid transaction consequently blocking the
  debit card on file from being used for any future payment.

  To date, Speedy
  Cash’s records do not indicate the Complainant provided a new debit card number
  on the account to use for payment. We suggest the Complainant contact Speedy
  Cash directly ###-###-#### to add a new debit card number and make payment
  arrangements for their outstanding loan.
  
  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
  5165 Emerald Pkwy #100
  Dublin, OH 43017     
  

  
  

• Initial Complaint

  Date:01/03/2023

  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 took a loan out from this company and i have made 7 payments all totaling to about 309$ 310$ the loan was for 390$ they are charging more for a customary fee what ever that is and only putting like 7$ towards the principal and i pay about 45$each time this loan should have alrdy been paid off or atleast down to 1 maybe 2 payments left,

  

  Business Response

  Date: 01/09/2023

  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by ****** ****** (Complainant). ******* Finance, Inc. DBA ****** ****, a
  member of Community Choice Financial® family of brands, appreciates
  the role of the Better Business Bureau in
  resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they took a loan out
  from ****** **** and has made seven (7) payments totaling to about $309.00 or
  $310.00. They claim they pay about $45.00 each time and only $7.00 is going
  towards the principal. They also claim the loan should have been paid off. They
  are requesting that the loan be finished.   
  
  A review of ****** ****’s records reflects on September 1,
  2022, the Complainant obtained an open-end credit plan online at www.speedycash.com with a credit limit of
  $390.00 with a cash advance amount of $390.00. The loan was funded via debit
  card. By signing the loan agreement, the Complainant acknowledges that they are
  provided with a copy of the loan agreement and further acknowledges that they
  have read, understand, and agree to all of the disclosures and terms of the
  loan agreement. 
  
  Open-end line of credit loans give Complainants the
  flexibility of repeated transactions without having to take out an additional
  loan. As the outstanding principal balance is paid down, the amount of credit
  the borrower is approved for is made available to advance. Daily finance
  charges accrue against the outstanding unpaid principal balance in accordance
  with Tennessee state law. Open-end credit involves billing periods and
  reoccurring minimum payments of finance charges and principal based on the
  outstanding balance of the loan. The State of Tennessee requires a minimum
  principal reduction. In order to comply with the minimum state-required
  principal reduction, ****** **** requires that minimum payments include a
  principal reduction of 2% or $2.50 for Complainants who get paid bi-weekly/twice-a-month,
  or 4% or $5 for Complainants who get paid monthly, whichever is greater.  Billing statements are generated and sent to
  Complainants at least fourteen days prior to the payment due date. The billing
  statements include the next minimum payment due, next payment due date and
  total amount past due (if any). ****** **** encourages Complainants to use this
  product as a short-term financial solution and, whenever possible, payoff early
  to avoid accruing interest.
  
  The Complainant acknowledged the terms and conditions of the
  loan by signing the loan agreement and disclosure statement. The loan agreement
  clearly discloses the annual percentage rate in accordance with the Federal
  Truth in Lending Act and Regulation Z. The signed disclosure statement detailed
  the first and second payment dates, the estimated payment amounts, as well as
  how the payment would be divided between interest and principal. By signing the
  disclosure statement, they acknowledged the following:
  
  You are strongly encouraged to pay your principal balance as soon as possible to avoid continuing finance charges.
  You should consider other credit products and options for long-term needs.
  This is a high interest loan.
  This loan accrues interest on a daily basis.
  
  The Complainant was provided with copies of all signed
  documents for their records. ****** **** accepts payments at any time in any
  amount. The Complainant is encouraged to refer to their loan documents to see
  how the daily periodic rate is calculated and how payments are applied. Making
  more than the minimum payment due does result in an additional reduction of
  principal assuming payments are made on time. Customers are encouraged to make
  more than the minimum scheduled payment in order to reduce the outstanding
  principal sooner and reduce accrued finance charges.
  
  A review of the payment history shows the Complainant has
  made seven (7) payments in the total amount of $309.09 toward the outstanding
  balance. Currently, the Complainant’s outstanding loan balance is $413.93.
  
  ****** **** believes that the conditions of the loan were
  clearly disclosed and finds no discrepancy or concern in how the transaction
  was processed. We encourage the Complainant to call our Customer Relations
  Department at ###-###-#### for questions regarding their 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 *******************@ccfi.com.
  
  Sincerely,
  
  BSG – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017     

  Customer Answer

  Date: 01/11/2023

  if i have paid 309.19 towards the outstanding balance and the balance is 413. Then i shouldnt have much to pay, if they wanna make thing right they should pay that remainder 100 and close the account. Cause the way i see it is im still going to have to pay 300 to 400 more which my loan was 390 yes so why should i have to pay back alot more then my loan thays robbery and stealing, id go to jail and have a record if i robbed someone but its ok for them to do it. 
  

• Initial Complaint

  Date:12/28/2022

  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.

  Had a car loan with ***** **** $1,500.00 balance. My car was repo 10/10/2022 I received one document after it was pick up nothing else . I made numerous phone calls found out in December the car was sold for $3200 no kelley blue book. we are talking about a 2011 C300 Benz Good condition. asking me to pay for car wash and keys being made it is 12/28/2022 nothing

  

  Business Response

  Date: 01/04/2023

  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by ****** ******** (Complainant). ******* ***** Inc. dba ***** ****, 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.
  
  Please note that Community Choice Financial recently
  completed its acquisition of the ****** ****, ***** **** 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 they had a car loan
  with ***** **** with a $1,500.00 balance. They claim the vehicle was
  repossessed on October 10, 2022 and received one document after the vehicle was
  picked up and nothing else. They also claim the vehicle was not sold for the
  Kelley Blue Book value. They are requesting a billing adjustment.
  
  As a brief background, the Complainant entered a title loan
  with ***** **** on December 14, 2021, in the principal amount financed of
  $2,800.00 at a storefront in Las Vegas, Nevada.  The Complainant granted ***** **** a security interest in a 2011
  Mercedes C-Class with a VIN ending in ****** and the Complainant agreed for
  ***** **** to be a perfected security interest holder.  Subsequently, the loan went past due on June
  11, 2022, and collection activities commenced as permitted by law.  ***** **** made efforts to contact the
  Complainant in order to make payment arrangements.
  
  A review of the loan history shows that the Complainant made
  a total of six (6) payments in the total amount paid of $4,630.61 toward the
  loan. On August 22, 2022, the Complainant was sent a Notice of Default and
  Right to Cure informing them of our intent to repossess the vehicle if payment
  is not made or received by September 11, 2022. On September 8, 2022, the
  Complainant made a collections payment in the amount of $198.31 and was set up
  with a payment plan. On October 4, 2022, the Complainant missed their payment
  thus breaking the plan.
  
  When the payment plan was broken and no further payment was
  received from the Complainant, on October 10, 2022, ***** **** exercised its
  rights under the signed loan agreement and the vehicle was repossessed in
  accordance with all applicable laws and regulations.  A $400.00 repossession charge was incurred
  and added to the Complainant’s account. The Complainant was sent a Notice of
  Intent To Sell and Right to Redeem Repossessed Motor Vehicle that informed them
  how to redeem their vehicle and who to contact with any questions regarding the
  repossession. The Complainant was given 15 days from the date of the notice to
  redeem the vehicle.   The vehicle was
  sold on November 10, 2022, and the Complainant was sent a Notice of Explanation
  of Calculation of Surplus detailing the sale amount, what was applied to their
  loan and the surplus balance. The notice also included a refund check in the
  amount of $715.22 for the surplus balance.
  
  Regarding the
  Complainant’s issue on the vehicle being sold below Kelley Blue book value, the
  Complainant’s vehicle was sold at an auction.  Auctioned vehicles are not based on Kelley Blue Book value but rather
  based on trending auction values as well as the current condition of the
  vehicle. Further, dealers that bid on repossessed vehicles typically pay less
  than market value.
  
  We hope that we have fully addressed the complaint. Should
  the Complainant or the Better Business Bureau require further explanation, we
  may be reached at *******************@ccfi.com.
  
  Sincerely,
  
  BSG – Consumer Complaints
  
  
  

  Customer Answer

  Date: 01/05/2023

  Everything they say is untrue I've received nothing again nothing from them I have not received any documentation I have received no check no nothing and I will be seeking an attorney because it is all untrue funny how they say that they sent documentation I have one piece of paper from them and that was July the 10th that is the only documentation I have from them and I had several loans and I've paid them all off so please inquire where is the money and where the documentation thank you

  

  Business Response

  Date: 01/12/2023

  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by ****** ******** (Complainant). ******* ***** Inc. dba ***** ****, 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.
  
  We have confirmed with accounting that the surplus check has
  not been cashed, therefore we have issued another check and mailed 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 *******************@ccfi.com.
  
  Sincerely,
  
  BSG – Consumer Complaints
  
  

• Initial Complaint

  Date:12/25/2022

  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 recently was checking my report and found a couple of items on my report that wasn’t mine or didn’t apply for . And this account is one of them. All this happened when i lost my wallet can you please help me out and remove this account this is causing my life a nightmare

  

  Business Response

  Date: 12/30/2022

  **********************
  
  Thank
  you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). Insight Capital, LLC dba Easymoney, 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 checked their credit report and found a couple of items that weren’t
  theirs or didn’t apply for. They claim all of this happened when they lost
  their wallet. They are requesting removal of the account on their credit
  report.
  
  A review of our records shows, on
  October 18, 2022, the Complainant obtained an online installment loan from Easymoney
  in the principal amount financed of $2,000.00 with a finance charge of $5,394.38,
  and a payment schedule of 23 monthly payments of $308.16 starting on February November
  17, 2022, and a final payment of $306.70 due on October 17, 2024.
  
  Easymoney recognizes the seriousness of
  identity theft and has extensive measures in place to help mitigate the
  fraudulent use of unlawfully obtained data. If the Complainant is
  claiming they are a victim of identity theft, an investigation into the claim
  is necessary. Accordingly, we have forwarded the Complainant’s account to our Identity
  Theft department for investigation and will be in contact with the Complainant.
  
  Easymoney
  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. Helpful tips concerning Identity Theft may be found on
  the Federal Trade Commission's website 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,
  
  Customer
  Service – Consumer Complaints
  **** ******* **** ****
  ******* ** *****