Complaints

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

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  Community Choice Financial, Inc.

  5165 Emerald Pkwy Ste 100 Dublin, OH 43017-1063

  
• 

  Community Choice Financial, Inc.

  801 Hebron Rd Heath, OH 43056-1357

  
• 

  Community Choice Financial, Inc.

  842 Delaware Ave Marysville, OH 43040-1724

  
• 

  Community Choice Financial, Inc.

  1301 E Main St Lancaster, OH 43130-4005

  
• 

  Title Max of Delaware

  127 S DuPont Hwy Dover, DE 19901

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

• Initial Complaint

  Date:12/17/2022

  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 borrowed 500 from ****** **** when I was in a desperate situation. I am paying back 330/ month. I didn't realize this predatory lender was charging 600% interst. I've already paid back what I've borrowed plus. I still have 4 months left. When it's all said and done I'll have paid back $1600 on a $500 loan. How is this legal?

  

  Business Response

  Date: 12/22/2022

  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint
  filed by **** **** (Complainant). SCIL Texas LLC 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 borrowed $500.00 from ****** **** and is paying $330.00 per month. They
  claim they have paid back what they’ve borrowed and more but still have four
  months left of repayment. They claim they would have paid back $1,600.00 on a
  $500.00 loan.  They are requesting a
  billing adjustment.
  
  As a brief background, on September 10,
  2022, ****** ****’s records show the Complainant obtained an installment loan
  with *** ******* ********** LLC online at www.speedycash.com in the principal
  amount financed of $600.00. On October 29, 2022, the Complainant refinanced
  their existing loan in the principal amount financed of $509.77. The loan was
  contracted to be repaid in four (4) monthly payments of $334.44 beginning
  December 1, 2022, and a final payment of $334.34 due on April 1, 2023. SCIL
  Texas, LLC DBA ****** **** is a registered Texas Credit Access Business (“CAB”)
  and assists consumers in obtaining loans from willing, unaffiliated lenders and
  services the resulting loans. ****** **** services the loan and does not operate
  in Texas as a lender. ****** **** charges CAB fee amounts 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.
  
  The Installment Loan allows customers
  to pay off their loan by giving a set schedule and minimum dollar amount for
  payment. ****** **** 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.
  
  ****** **** believes that the
  conditions of the loan were clearly disclosed and finds no discrepancy or
  concern in how the transaction was processed. A billing adjustment will not be
  provided at this time. 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,
  
  *** – Consumer Complaints
  **** ******* **** ****
  ******* ** *****     
  
  

• Initial Complaint

  Date:12/07/2022

  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.

  Tried to make contact with this entity to pay off collections notice at one time, contacted them directly to pay off, they couldn't because they hired an attorney to attempt collections, contacted said attorney and said attorney stated they weren't involved with that company at that time. I then contacted the credit reporting agencies, in which they responded that they couldn't remove from my credit. Please see credit report agencies for more information.

  

  Business Response

  Date: 12/13/2022

  ******
  
  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.
  
  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 they tried to contact Speedy Cash to pay off an outstanding debt but was directed to the attorney handling the account. When the Complainant contacted the attorney, the attorney stated they weren't involved with Speedy Cash at that time. 
  
  A review of Speedy Cash’s records shows on July 7, 2017, the Complainant obtained an open-end credit plan at a Speedy Cash storefront in Wichita, Kansas with a credit limit of $500.00. The Complainant was approved through our scoring and underwriting process which verifies a customer’s credit history and income. At the time of the loan origination, the Complainant acknowledged the terms and conditions of the loan by signing the loan agreement and disclosure statement. 
  
  On August 4, 2017, when the minimum payment due was not made, the Complainant’s loan account was placed in past due status. Thereafter, collection activities commenced as allowed by law. Speedy Cash tried to contact the Complainant to help with repayment but were unsuccessful. Due to nonpayment, on January 6, 2018, the outstanding loan was placed with a nonaffiliated third-party debt collection agency, ** ***** ******** ********* **** **** ********
  
  Regarding the placement of the Complainant’s account to a law office for collections, there is no indication this action taken was by Speedy Cash, but rather Ad Astra. Speedy Cash has not attempted to collect the Complainant’s account since the date of reassignment of August 4, 2017. Should the Complainant have any questions regarding their account, they are encouraged to contact ** ***** directly at ###-###-####. 
  
  Sincerely,
  
  *** – Consumer Complaints
  **** ******* **** ****
  ******* ** *****

  Customer Answer

  Date: 12/14/2022

  It is untrue. I tried to contact ad ***** and the attorneys office, as well as speedy cash. I want this item removed from my credit report all of them, and I want compensation for my time trying to make contact with them. 
  
  
  
  Regards,
  
  
  
  ****** ****

• Initial Complaint

  Date:12/06/2022

  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 have an on line loan with Speedy Cash which also may be named Rapid cash. I could not fine the address. I talked to a CS rep on Dec.6, to request to defer or move a payment to another date. I was informed that they are not liscensed in Virginia and she could not do either request. I asked why was the due date constantly changing and she has incorrect info one the system based on a pay date. I am no longer working and trying to work out a plan before a payment declines and was told that cannot be done unless the payment declines. This does not makes; but the CS rep said she could not makes changes.i do not want them in my account anymore and I wanted to ask the BBB if this company is not liscensed in Virginia; can they still collect payments?
  
  I asked for a supervisor; but was told that she did not think anyone could override or makes changes to the account that I have
  
  Thanks for your help in this matter.

  

  Business Response

  Date: 12/12/2022

  ***************
  
  Thank you for the opportunity to respond to the complaint filed by ******** ******* (Complainant). SCIL 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 they requested to defer a payment to another date and was told by a Speedy Cash representative that they could not honor the request. The Complainant is also questioning whether Speedy Cash has a license in Virginia and whether they can collect on loans without a license. They are requesting to be contacted by Speedy Cash. 
  
  As brief background, on January 7, 2020, the Complainant obtained an open-end credit loan online at www.speedycash.com in the amount of $450.00, with cash advances of $608.00 taken over the course of the loan. An open-end line of credit loans gives customers 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.
  
  On December 6, 2022, the Complainant expressed concerns on not being able to change the due date on their account. Regrettably, due to a business decision, customers with an existing open-end credit line in Virginia cannot change their payment due date at this time. 
  
  As for the Complainant’s concern regarding Speedy Cash not having a license in Virginia, it should be noted lenders may engage in extending credit under an open-end plan in Virginia, if under the plan a minimum 25-day grace period before interest can be charged on an account is applicable. The Complainant’s loan is in full compliance with all State and Federal laws. As detailed in the Complainant’s signed open-end credit agreement, upon default, it is within Speedy Cash’s rights to lawfully collect an outstanding debt.
  
  It should also be noted that we are no longer originating Speedy Cash Line of Credit Loans in Virginia. However, existing customers in Virginia will continue to have the ability to manage their loan online, including payments and cash advances.
  
  We appreciate the Complainant’s efforts in alerting Speedy Cash to their concern and the opportunity to resolve it. As requested by the Complainant, a Speedy Cash representative will be contacting the Complainant to address any additional questions or concerns. 
  
  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
  **** ******* **** ****
  ******* ** *****