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.
- 140 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:09/26/2022
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
**** ******* **** ****
******* ** *****Initial Complaint
Date:08/31/2022
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.
The PayDay loan store that issued my loan closed. This prevented me from re-loaning.
The store instructed me to let the check get sent back and collections would work out a suitable payment plan.
They have attempted numerous times to put the check thru my bank. I cannot pay them if they keep making my account negative with fees then charging me returned fees from them.
I have contacted them for a payment plan and they won't do anything more than 3 payments. This is not reasonable. I offered $100 per paycheck. They want nearly $250. The company sent me a bill. I have attached it
Business Response
Date: 09/06/2022
Thank you for the opportunity to respond to the complaint
filed by ******** ******* (Complainant). Check Into Cash (CIC), 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 the store where they
obtained their payday loan closed preventing them from being able to re-loan. They
claim the store instructed them to allow their loan check to return from the
bank and then our Collections Department would work out a suitable payment
plan; however, the check has run through their bank account several times
causing fees and not allowing them to pay CIC. The Complaint states they have
contacted CIC regarding a payment plan, but CIC will not do anything more than
three payments, which they consider to be unreasonable. They are requesting a
reasonable payment plan.
A review or our records shows on July 1, 2022, the
Complainant obtained a payday loan from CIC in the amount of $600.00 with a
finance charge of $77.00 and a due date of July 18, 2022. When payment was not
received by the due date, the Complainant’s loan check was deposited as
outlined in the loan agreement. On July 25, 2022, the Complainant’s check
returned for insufficient funds and the account defaulted and was placed with
our Collections Department.
Since the Complainant’s check returned for insufficient
funds, two ACH payments have been processed as disclosed and authorized in the
loan agreement, the first on August 18, 2022, and the second on August 26,
2022; neither payment was successful. Currently, there is an outstanding
balance of $708.14 which includes the one time return check fee of $31.14.
The store where the Complainant obtained their loan did
close; however, not until after the Complainant’s loan was due. If the
Complainant wished to pay their loan in full and then reborrow, the CIC
location was open and operational to do so.
Regarding the statement that CIC’s Collection Department has
not agreed to a reasonable payment arrangement, CIC sympathizes with the
Complainant and the current financial hardship they are experiencing, and we
understand that at this time the Complainant is unable to pay the loan in three
installment payments. The account was sent to management for review and given
the account history and current status, we would be happy to accept the
Complainant’s repayment offer of biweekly payments of $100.00. We ask the Complainant
to contact our Collections Department at ###-###-#### to confirm the
repayment arrangement and to establish the payment due dates.
We hope that we have fully addressed the complaint. Should the
Complainant or the Better Business Bureau require further explanation, we may
be reached at *****************************
Sincerely,
*** – Consumer Complaints
**** ******* **** ****
******* ** *****Customer Answer
Date: 09/07/2022
No I could not have re-loaned. The store clerk did not allow me to. So why don't you re think this. They said I had to pay it off in full.
Regards,
******** *******Initial Complaint
Date:08/31/2022
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 don't know what kind of scam these people are trying to run. My credit report shows I only owe them $278. I am trying to get my debts paid down as best I can. I am on disability and my funds are limited. These people are threatening me and are saying my balance is $1250? And that I can pay a one time payment of $565? And I have 12 hours to answer them? This is first rate harrassment. Can you please help me with this situation? I attached a copy of the email I got from them. Thank you. ******* ********Business Response
Date: 09/06/2022
September 6, 2022
Better Business Bureau
**** ****** ****
********* ** *****
RE: BBB Complaint ID
17805916
BBB Dispute Resolution Team:
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 that a debt collector
is contacting them by email in a harassing and threatening manner to collect an
alleged debt.
Speedy Cash’s records indicates that the Complainant has an
outstanding loan with Speedy Cash; however, Speedy Cash strongly denies the
correspondence mentioned within the complaint was from Speedy Cash or
authorized on its behalf. Furthermore,
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 not affiliated in any way with Speedy Cash
Payday Loan, Attorney ***** R. ********, attorney.*****.r.********@gmail.com and has no record of loan account #196678 for the Complainant. 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. Speedy Cash will
cooperate with all applicable law enforcement officials in their efforts to
investigate and identify those bad actors who perpetrate fraud on unsuspecting
consumers utilizing legitimate businesses information, including trademarks, logos,
addresses and similar information.
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 1-877-336-9392 to determine the legitimacy of any call or correspondence
claiming to be from Speedy Cash.
With regards to the outstanding loan that the Complainant
obtained from Speedy Cash, our records show the account was sent to an
unaffiliated third-party collection agency, Ad Astra Recovery Services, for
collections as a result of its delinquent status. The Complainant is encouraged to contact Ad
Astra at 1-866-398-2089 with any further questions regarding her loan account,
or to make arrangements to pay the outstanding balance.
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,
BSG – Consumer Complaints
5165 Emerald Pkwy #100
Dublin, OH 43017Initial Complaint
Date:08/25/2022
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.
On 8/24/22 I went to the branch #*** to pick up a Western Union check for $5,000. The teller told me they did not have that kind of cash on hand but she could put it on a Visa card and i could take it to my bank and they could download the monies from the Visa to my checking account. I completed the necessary forms and left to my bank. My bank received a exeeds amt limit on the card. So I called the 800 number on the back of the card and was infirmed it would cost me $150 to transfer the monies to my checking account. What i had done was opened an account with green dot bank. The teller did not tell me that was what she was enrolling me into another bank account. The only way I can get cash off this card and not be charged a fee is at $100 withdrawals at the check cashing place. This $5,000 was an emergency transfer from **** ** ******* from ****Business Response
Date: 08/31/2022
Thank you for the opportunity to respond to the complaint
filed by ***** ******* (Complainant). California Check Cashing Stores, LLC
(CCCS), a member of the Community Choice Financial® family of
brands, appreciates the role of the Better Business Bureau in resolving
consumer concerns. We are happy to provide this response.
To summarize, the Complainant states on August 24, 2022,
they went to a CCCS location to pick up a Western Union check for $5,000.00. The
Complainant alleges the CCCS teller told them they did not have that amount of
cash on hand, but that they could put the funds on a Visa card and the
Complainant could take it to their bank and download the funds to their
checking account. However, when the Complainant went to their bank, the bank
received an exceeds amount limit on the card, and when the complainant called
the Visa card, it was explained that it would cost $150.00 to transfer the
funds to their checking account. The Complainant alleges the CCCS teller did
not explain that they were enrolling the Complainant into another bank account,
and the only way they can get the funds off the card without a fee is to make
$100.00 withdrawals from the CCCS location. The Complainant is requesting a
refund.
A review of our records revealed, on August 25, 2022, the
Complainant visited a CCCS location and received a Western Union wire transfer
in the amount of $5,000.00. The location did not have the funds available and
offered to load the funds onto a Green Dot Prepaid Visa card to which the
Complainant agreed. At the time of transaction, the Complainant was provided
with the terms and conditions for the prepaid Visa including all fees and
charges associate with using the card.
It is always our intent to provide consumers with financial
solutions that work for them. In this situation, the Complainant was needing to
receive a Western Union wire transfer and since the store did not have the
funds available, the Complainant agreed to have the funds loaded onto a Green
Dot Prepaid Visa card which can be used over the phone, online, and for in
person transactions. Green Dot, due to security reasons, does have a daily
limit of $2,500.00 which is why the Complainant’s bank received the exceed
limit error when attempting to remove the funds from the card.
We sympathize with the Complainant’s situation and as a
courtesy, are willing to cover the fees associated with withdrawing the funds
from the card. We have attempted to contact the Complainant to discuss their
options but have been unable to reach them. We ask they call CCCS Customer
Service at ###-###-#### for further assistance.
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
*** ******* **** ****
******* ** *****Customer Answer
Date: 09/09/2022
I accept the business's response to resolve this complaint.
Regards,
***** *******Initial Complaint
Date:08/22/2022
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.
ive been making my payments of $56.69 they added a lot of finance fees to it . and only got like $8.67 credit a month out of my $215 limit which would take me like 36 to 48 months to pay it off . i cant keep doing that i'm on a fixed income for the billing adjustment i want a credit of at least $62.63 . which will be my past due that will be due which is $97.41 or a little lessBusiness Response
Date: 08/26/2022
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.
Please note that Community Choice Financial recently
completed its acquisition of the Speedy Cash, Rapid Cash and Avio 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 he was approved for a
loan of $215.00; however, even with making payments of $56.69, it will take 36
to 48 months to pay the loan in full due to all the finance fees. The
Complainant is also questioning how his payments are being applied to his
outstanding balance. The Complainant is requesting a credit of at least $62.63
and that his bank account and debit card be removed.
Our records show, on May 3, 2022, the Complainant was
approved for an online line of credit in the amount of $215.00 and on May 4,
2022, $133.00 was funded to the checking account on file. From May 5, 2022, to
June 19, 2022, the Complainant completed six additional draws totaling $82.00
bringing the total amount borrowed to $223.00. During that time, he made three
payments, $33.80 on June 3, 2022, $19.00 on July 1, 2022, and $0.25 on June 11,
2022, for a total of $52.82 in payments made on the loan. The account currently
has an outstanding balance of $350.16.
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.
Regarding the statement that it will take the complainant 36
to 48 months to pay the loan in full and questioning how the payments are being
applied, payments are applied as outlined in the signed loan agreement (see
below). The Complainant has failed to pay the minimum payment due each month
allowing the interest to accrue which lowers the amount of payment applied to
the principal balance when a payment is made. Furthermore, there is no record
of any payment received in the amount of $56.69 as stated in the complaint. If
the Complainant has evidence of such payment, we ask they provide documentation
so we may investigate.
Regarding the Complainant’s request for a credit, no credit
will be issued at this time. However, as a courtesy, we have suspended the
interest on the loan and all future payments received will be applied to the current
outstanding balance.
We have deleted all debit cards on file and stopped all
future ACH Payments. The Complainant will have to initiate each payment as no
automatic payments will be processed. Please understand that these actions stop all further advances.
If the complainant wishes to update his banking information
for future payments, he can do so by visiting a Speedy Cash location, contacting
Speedy Cash’s Internet Lending department at ###-###-####, or logging into
his online portal.
It is important to 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 have included a copy of the Complainant’s loan agreement
with this response and 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
**** ******* **** ****
******* ** *****
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.