Business Profile

Check Cashing Services

Community Choice Financial, Inc.

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

440 total complaints in the last 3 years.
131 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:03/19/2025
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.
BBB took a complaint over the phone. below is the voice to text voicemail description

My name is ******* *****. My complaint ID number is ********. My contact number is ************. The nature of my complaint is with the title **** **** Shop in *********, *******. I was wrongfully as a customer making my payment and at the end of making my payment I was charged almost $2 ,000 to pay off the title loan. Also I'm asking for billing adjustment and correction on my credit report. Thank you.
Business Response
Date: 03/20/2025
March 20, 2025

Better Business Bureau
****************
******************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant).TitleMax of *************, DBA TitleBucks, 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 alleges they were incorrectly charged almost $2,000.00 to pay off their title loan and is requesting a billing adjustment.

It should also be noted that contrary to the Complainants statement of receiving a loan, TitleBucks operates as a pawnbroker in accordance with Georgia law and does not issue loans.

A review of TitleBucks records revealed that on July *******, the Complainant obtained a **** in the amount of $818.00 at a storefront in *********, **. The Complainant granted a security interest in a *********************************** A73550. The **** was contracted to be repaid in full in the amount of $989.70, due August 25, 2024. On August 23, 2024, the Complainant paid $175.00 to extend the **** an additional thirty (30) days. On August 30, 2024, the Complainant made a payment of $28.50 and refinanced their existing **** of $814.70, borrowing an additional $325.00. The **** was contracted to be repaid in full in the amount of $1,356.13, due September 29,2024.

Between November 1, 2024, and December 27, 2024, the Complainant extended their **** on at least two (2) occasions and also refinanced it on two (2) more occasions, borrowing an additional $600.00 total. The most recent refinance was completed on December 27, 2024, in which the Complainant made a payment of $125.58 and refinanced their existing **** of $1,159.21,borrowing an additional $500.00. The **** was contracted to be repaid in full in the amount of $1,866.61, due January 26, 2025.

The Complainant did not redeem or extend the **** on January 26, 2025; however, the Complainant did pay the **** in full on February ******, which includes an Expired Fee of $82.96, making their total balance owed $1,949.57. Once payment was made, the Complainant was provided with a Notice of Satisfaction of Security Interest.

At the time of **** origination and each refinance, the Complainant signed a **** Transaction Disclosure Statement and Security Agreement 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 **************** addition, the agreement includes notices on Extension and Continuation which states:

The initial term of the **** is 30 days, and the **** may be extended and continued for additional 30-day periods with the agreement of Pledgor and Pawnbroker. We may agree to extend the Maturity Date at our discretion. As a condition to extending the Maturity Date,for the initial extension and each subsequent extension, you must pay an amount equal to the then outstanding Pawnshop Charge (including any charges accrued after the Maturity Date, as described in Section 7 below), and (b) satisfy Pawnbrokers applicable criteria for extensions. If you do not request additional funds as part of your extension request, then the original **** will be continued.

By signing this agreement, the Complainant acknowledged their understanding of the terms and conditions of the ****.

It is important to note that TitleBucks encourages customers to use this product as a short-term financial solution. The balance may be paid back at any time with no penalty for early payoff. Further, customers may cancel the agreement by returning the proceeds to us by the close of business on the business day following the date of the agreement.

Please note that under a 30-day ****, the expectation is for the customer to pay in full on or before the expiration date. Rather than paying the balance in full, the Complainant elected to pay the outstanding **** shop charges and enter into a new transaction for an additional thirty (30)days, thereby accruing additional charges. The Complainant was also late making their payment, which also caused the **** to accrue additional interest.

Further to the point, the Complainant spoke with the District Director of Operations of the local storefront on March 6, 2025, who explained the **** to the Complainant. TitleBucks believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern in how the transaction was processed or how the payments have been posted. Based on this,no account adjustment will be provided. We encourage the Complainant to call **************** at ************** for any additional questions regarding their account.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 03/31/2025
WIRELESS CALLER - Voicemail box 135
Attachments
11:35 AM (2 hours ago)
to me

GoTo logo
You received a new voicemail message
Info New voicemail message
Time: Monday, March 31 2025 11:33 AM
From: WIRELESS CALLER **************
Duration: 58 seconds
Voicemail box: 135
Transcript:
thing. Hi, it's ******* ***** and my complaint ID number is ********. I was calling on regards to better, excuse me, title book. I did read the response back to you all, but I disagree with what she was saying because without any kind of it's their word against mine and I don't want to be back and forth playing these kind of games with them so hopefully we can be able to resolve this issue and move forward with a positive you know way is that's all I'm looking for just telling the issue in a positive way so if you will give me a call back at code **********. **********. Thank you and have a blessed day.
Customer Answer
Date: 03/31/2025
My overall complaint and experience with Title Buck **** Store, Store Manager **************; ******* was very unprofessional , No accountability ,No payment receipts accurate was given after payment was received, Not even through email , No Knowledge to what her job is and how to degliently explain to the customer about their account, Very rude , Disrespectfuf, Very Hurtful,lVery Distrubing to my mental health, Very Shady and unquestionably, This is wrong, It needs to be addressed, Thank you, Sincerely Yours ******* Young
Customer Answer
Date: 03/31/2025
I I disagreed on how I was mishandled and mistreated as a loyal customer , Every customer is *********************** to having a receipt after every received payment for their record. Every customer deserves to be treated right and respectful, No store manger who is in charge of a well known growing popular store across the state of ******* suppose to let their customer be confused on not giving them clarity and understanding concerning their account, Every person who holds a title is responsible for making sure their customer is pleased with their service, The service was very poor, My money was received but my spirit was very troubled, It felt like a game, Please help me to find a peaceful resolution to the problem, Thank you for all of your help help, I am so honored, so grateful, so thankful to have you in my life, Sincerely Yours, ******* Young
Customer Answer
Date: 03/31/2025
My prayer ?? is to have a positive and peaceful resolution solving this matter against the Store Manager at theTitle Buck **** and **** ***********************, Thank you, Sincerely Yours, ******* Young
Customer Answer
Date: 04/02/2025
Respectfully, I need to know why my case is close and why me and ************ wasn't communicating properly over the phone Every time I would reached out to *** *********, I would always get her voice mail, She was never available to speak directly to me, She only made time to speak with me through the BBB notes, That was unfair, We never had a formal conversation, I needed a chance to speak with Ms. ********* over the phone so that she can give me clarity, understanding, help and closure to resolve my issue in a positive respectful way, There is two sides to evey story, Respectfully, I am standing on my truth, Ms. *********, Please give me a call back at your earliest convenience or please have your manager to give me a call back at his or her earliest convenience, Im not giving up until Victory has won,Thank you, Sincerely Yours, ******* Young
Customer Answer
Date: 04/02/2025
Consumer called BBB stating never received receipts for payments made on the **** / loan. Consumer stated 'this is the law' and feels she was 'robbed' of the addtional monies.
Customer Answer
Date: 04/04/2025
Thank you ************ for your response, I do have my bank statements from July 2024 until February 2025, I will submit it to you, I will upload it from here, You will receive it early as Monday morning April 7, 2025, I will give you a call onn Monday morning April 7 2025 to confirm everything , I sincerely Thank you and I sincerely appreciate you so very much ************ , To God Be The Glory for all the great things he is doing ??
Customer Answer
Date: 04/07/2025
Ms. ********* I have forward all of my bank statements to Ms.. ***** in the *************************** to give to you, I was unable to send all of my bank statements at once to you through this system, Please give me a call back regarding my complaint and the received of my bank statements, Thank You, ******* *****
Customer Answer
Date: 04/08/2025

******* ***** <*****************************************>
Attachments
Mon, Apr 7, 10:02 AM (21 hours ago)
to *****, BBB

please forward these bank statements to Ms. ********* in *************************** regarding to my complaint against Title **********************, These are the request transactions from my bankI made on my account and also these few receipt I had received from the store manager, Please help to assist me with the math , Please give me a call back once my information has been received, Thank You, ******* *****, my date of birth is **********, My last digit of my social is 5261
Customer Answer
Date: 04/08/2025

******* ***** <*****************************************>
Mon, Apr 7, 6:49 PM (12 hours ago)
to me

Ms. *********,
These are the requested transactions from my bank made on my account and a few receipts I had received from the store manager at Title **********************, Please assist me with the math , Please give me a call back once my information has been received,
Thank You,
******* *****,

Customer Answer
Date: 04/08/2025

******* ***** <*****************************************>
Mon, Apr 7, 6:49 PM (12 hours ago)
to me

Ms. *********,
These are the requested transactions from my bank made on my account and a few receipts I had received from the store manager at Title **********************, Please assist me with the math , Please give me a call back once my information has been received,
Thank You,
******* *****,

Business Response
Date: 04/11/2025
April 11, 2025

Better Business Bureau
**************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ******* ***** (Complainant). TitleMax of *************, DBA TitleBucks, 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 sent transactions from their bank and receipts and would like to know how payments have been applied.

It is important to note that our companys payment process strictly adheres to all relevant law and regulations at both federal and state levels. We have procedures in place to ensure that these standards are consistently followed.

As stated in our previous response, the Complainant acknowledged they received the payment receipts from the store when they requested them per their conversation on March 3, 2025, with the District Director of Operations. Further, we have mailed the receipts to the address on file. Please note that the receipts provided outline how each payment was applied. However, if the Complainant has further questions or needs assistance,we encourage them to visit the local storefront or contact **************** at **************.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Business Response
Date: 04/14/2025
Better Business Bureau
****************
******************

RE: BBB Complaint ID ********
******************** Dispute Resolution Team:

Thank you for the opportunity to respond to the additional information request referencing the
complaint filed by ******* ***** (Complainant). TitleMax of *************, DBA TitleBucks, a
member of Community Choice Financial family of brands, appreciates the role of the Better
*************** in resolving consumer concerns. We are happy to provide this response.

To summarize, the Better Business Bureau states that the Complainant contacted them with
additional information regarding customer service and claims they did not receive receipts for
any of their payments.

It is important to note that our companys payment process strictly adheres to all relevant law
and regulations at both federal and state levels. We have procedures in place to ensure that these
standards are consistently followed.
Regarding the request for receipts, the Complainant acknowledged they received the payment
receipts from the store when they requested them per their conversation on March 3, 2025, with
the District Director of Operations. Further, we have mailed the receipts to the address on file.

Please note that the receipts provided outline how each payment was applied. However, if the
Complainant has further questions or needs assistance, we encourage them to visit the local
storefront or contact **************** at **************.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business
Bureau require further explanation, we may be reached at ************************************.

Sincerely,
BSG Consumer Complaints
PO Box 550
*********, ********
Customer Answer
Date: 04/14/2025
Ms.*********, Respectfully I haven't received any receipts from Title **** through mail or email, I asked the store manager to give me a copy of all of my receipts from the beginning of the loan was on July 2024, My first payment on the loan was on August 2024, until The ending of the payoff of the loan February 7, 2025, The few receipts that I have already provided to you was all the printed copies of my receipts that I have received in person from the store manager at Title **** and there wasn't any additional copies of my paid printed receipts given to me, Title **** ****** suppose to generate and save every ransaction, payment history and every customer suppose to get a copy of he or she printed receipts for their records My transaction from my bank statements is all of my receipts I have for my records to show I was honest in all of my payments, Thank you, ******* Young
Customer Answer
Date: 04/14/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 23081320

I am rejecting this response because:
Respectfully I haven't received any receipts from Title **** through mail or email, I asked the store manager to give me a copy of all of my receipts from the beginning of the loan was on July 2024, My first payment on the loan was on August 2024, until The ending of the payoff of the loan February 7, 2025, The few receipts that I have already provided to you was all the printed copies of my receipts that I have received in person from the store manager at Title **** and there wasn't any additional copies of my paid printed receipts given to me, Title **** ****** suppose to generate and save every ransaction, payment history and every customer suppose to get a copy of he or she printed receipts for their records My transaction from my bank statements is all of my receipts I have for my records to show I was honest in all of my payments,

Regards,

******* *****
Customer Answer
Date: 04/14/2025
Ms. **************** Respectfully* It was not addressed to send my receipts through the mail* While speaking to the store manager in person* I was told she didn't know how to print me out my receipts* If the store manager is honest* I have provided two different address on my account* I haven't received any mail from Title Buck * There is no communication between me and the store manager* There is no evidence of proof of sending me out all of my receipts through mail* or email * My contact information is accurate on my account which is *************************************** and also PO Box 207 Floral ******************. My email address is *************************** and my cell number is ************. Ms. ********* everything has been provided for you to move forward. Thank You* Sincerely Yours* ******* *****
Business Response
Date: 04/18/2025
April 18, 2025

Better Business Bureau
**************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ******* ***** (Complainant). TitleMax of *************, DBA TitleBucks, 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.

As stated in our previous responses, the Complainant acknowledged that they received the payment receipts from the store when they requested them per their conversation on March 3, 2025, with the District Director of Operations. Further, we have mailed the receipts to their PO Box on April 11, 2025. Please note that the receipts provided an outline of how each payment was applied. However, if the Complainant has further questions or needs assistance, we encourage them to visit the local storefront or contact **************** at **************. We have offered all possible solutions to fulfill the Complainants request, and we consider this matter closed.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 04/21/2025
******* ***** called BBB requesting that Comminity Choice advise through response to BBB which PO Box receipts were mailed to, as that was not provided in the business response.
She is currently in *******, and prefers the receipts be mailed to her there at ***********************************************************.
She is also requesting that the receipts also be mailed to her other ********************************
Business Response
Date: 04/24/2025

April 24, 2025

Better Business Bureau
**************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ******* ***** (Complainant). TitleMax of *************, DBA TitleBucks, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau (BBB) in resolving consumer concerns. We are happy to provide this response.

To summarize, the BBB is requesting clarification as to which PO Box the receipts were mailed to. The Complainant is currently in ******* and prefers the receipts mailed there but also requests the receipts be mailed to their PO Box in ******* as well.

To address the BBBs concern, the receipts were mailed to the Complainants PO Box in *******. As of April 21, 2025, per their preference, we have also mailed the receipts to their PO Box in *******.

We hope that we have fully addressed the complaint. Should the Complainant or BBB require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 04/25/2025
Consumer called - she will be checking her PO boxes in both places for the receipts.
Customer Answer
Date: 04/25/2025
Ms. **************** Respectfully I will wait on the receipts as you instructed me to do, I will follow up with you after receiving the receipts from my currently address here in ******* or at the ********************************** I will give you a call, You can let me know what is the next step, Moving forward, I need clarity and honesty from them, I understand it is a process, They are responsible for their actions , I apologize if I upsetted you earlier, It wasn't on purpose, I am very upset for the way I have been mishandled and for the way I have been mistreated , It is wrong, Thank you for being so patient with me during this process, Everything is going to work out for my good, All is well, Wait on the Lord and be a good courage and he shall strengthen my heart, Sincerely Yours, ******* Young
Initial Complaint
Date:03/14/2025
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.
BBB transcribed from handwritten letter:
To Whom It May Concern,
My name is ***** ***** ( formerl **********) and it has been brought to my attention that Speedy Cash has placed a collections on my account with the balance of $806.00.
I previoulsy paid off my debt in 2021 before I ended up incarcerated until my release early this year in June. I have emails with payment information to prove it was paid. I have tried reaching out to both Speedy Cash and the National Credit Agency to dispute this, but I stopped getting responses.
Included in this letter is my personal information to access my account except my social security number other then the last four. If you need more information, please call: *************.
**********************************
***** C ********** (name account is under)
11/17/1990
Last 4: 9262
Thank you
Business Response
Date: 03/18/2025
March 18, 2025
Better Business Bureau
**************************************

RE:BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by ***** Mccullough ***** (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 claims Speedy Cash has placed a collection in the amount of $806.00 on their account. They state they have proof they paid off their debt in 2021.

A review of Speedy Cash records revealed that on July 1, 2021, the Complainant obtained a line of credit with a credit limit of $420.00 online, with an initial advance of $420.00. The first payment of $33.25 was on due July 23, 2021, and a second payment of $66.39 was due on August 06,2021.

Payment history indicates there have been two (2)successful payments made on the line of credit. The scheduled ACH payment was attempted on August 19, 2021, but was returned on August 25, 2021, due to insufficient funds causing the account to enter a past due status.

After continued non-payment, the account was sold to National Credit Adjusters on June 30, 2023. National Credit Adjusters may or may not be the entity reporting the Complainants accounts to the ********************** bureaus. As we are no longer the owner of the account and Speedy Cash is not currently reporting the account to any ********************** bureaus. Any concerns regarding the account, including repayment options, credit reporting, and further disputes should be directed to National Credit Adjusters reachable at *************.

To address the attachments provided with the complaint, further investigation into the account reveals a prior line of credit with a credit limit of $165.00 was obtained by the Complainant on November 20, 2020. A payoff was made on March 17, 2021, and the line of credit was closed on June 3, 2021. It appears the receipts provided by the Complainant were in relation to their first line of credit, not the most recent.

We hope that we have fully addressed the complaint.Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*********,TN 37364
Initial Complaint
Date:03/12/2025
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.
In June 2024 I **** my car title to instaloan and always made my payments without any issues
fast forward
on January ******* I paid off my loan and they told me I should expect a call from them in about 2 to 4 weeks for pickup my title in their office
4 weeks passed by and never received a call, I decided to call them to follow up the lady told me they havent received my ****** and to wait until next week
and again I call the following week and this time a *** told me that they was having trouble with my ****** and that he will call me back in 2 days to see what was going on.
3 days passed by I stop at their office and again another excuse they havent received it by this time already passed 6 weeks since I paid it off
then call back again 4 days later and same excuse they dont have it, I told her that this was sound like they lost my ****** and her response was that I can go to the *** and requested myself without having to pay and thats not true because they are the only one that have proof of when the title got sent to them.
Now they refuse to get my ****** back.
Business Response
Date: 03/14/2025
March 14, 2025

Better Business Bureau
**************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by *********************************** ****************************, DBA InstaLoan,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 paid off their loan and have yet to receive their title. They are worried they may incur a cost to replace the title and request in writing that TitleMax will cover the cost.

A review of InstaLoan records revealed that on June 25, 2024, the Complainant obtained a loan in the amount of $837.82 at a storefront in *****, **. The Complainant and a ***Signer granted a security interest in a 2008 ***** Odyssey with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $883.25, due July 25, 2024. On July 26, 2024, the Complainant made a payment of $160.00 and refinanced their existing loan of $723.93. The loan was contracted to be repaid in full in the amount of $879.86, due August 25, 2024.

Between August 24, 2024, and December 24, 2024, the Complainant refinanced their loan on five (5) more occasions. The final refinance was completed on December 24, 2024, in which the Complainant made a payment of $161.11 and refinanced their existing loan of $723.93. The loan was contracted to be repaid in full in the amount of $884.22, due January 23, 2025. Payment history on the most recent refinance indicates the account was paid in full on January 22, 2025, in the amount of $880.82.

To address the Complainants concern regarding their title, unfortunately, it appears the title was lost in transit. Please note TitleMax is no longer the lien holder and, therefore, cannot apply for the title. If the Complainant incurs a cost for a replacement title, the storefront will fully reimburse the amount upon submission of a receipt from the ****************************

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:03/12/2025
Type:Product 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.
After experiencing financial issues in January of this year (2025), I attempted contacting the local (Brainerd Rd) branch to make payment arrangements for a missed payment on a line of credit. At the time I was able to reach an employee by phone, I was told I was to "let the payment get returned, then contact customer relations."
I have regularly called the local branch and been unable to connect with anyone by phone. I have spoken with the company's customer relations office several times: most recently it was to try and prevent 2 payments from being withdrawn from my account on 2/28/2025, but that still happened.
After an alleged review of my phone call made to the company on 2/27/2025, Speedy Cash was allegedly refunding the $614.27. I was told this would take 3-5 business days, but, as of today (3/12), this has still not happened.
Business Response
Date: 03/14/2025
March 14, 2025

Better Business Bureau
************************************************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by **** ******* (Complainant). *********************, DBA Speedy Cash Title, 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 are experiencing financial difficulties and have attempted to make payment arrangements for a missed payment, however payments were still withdrawn from their bank account on February 28, 2025. The Complainant claims they were informed they would be refunded $614.37 in 3-5 business days; however, as of March 12, 2025, they still have not received the refund. The Complainant is requesting a refund.
A review of Speedy Cash records revealed that on March 6, 2023, the Complainant obtained a Line of Credit with a credit limit of $150.00 at a storefront in ***********, **, with an initial advance of $150.00. The first payment of $16.32 was due on March 31, 2023, and a second payment of $39.55 was due on April 30, 2023. The account entered a past due status after payment was not made on February 7, 2025. The Complainant agreed to a Promise to Pay on February 10, 2025, for the past due balance.
On February 28, 2025, a scheduled payment was made in the amount of $560.74. It is important to note that the Complainant receives periodic billing statements indicating the next minimum payment due, therefore the Complainant was advised of the scheduled payment when they received their periodic billing statement on February 12, 2025. On March 1, 2025, the Promise to Pay was broken due to nonpayment; therefore, collections activity commenced as permitted by law. A collection payment of the past due amount of $614.27 was made. As of the date of this response, the Complainants account currently has a balance of $2,403.37 but is subject to change due to interest and/or fees that may be accruing.
At the time of loan origination, the Complainant signed a Speedy Cash Line of Credit Disclosure, and Account Agreement that clearly discloses the annual percentage rate in accordance with the Federal Truth-in-Lending Act and **************** addition, the Complainant also signed a Optional Loan Payment Authorization that states:
Scheduled Payments on the Loan: We may initiate electronic payments on the above Payment Card and/or the above Bank Account to seek scheduled payments on the Loan ("Scheduled Payments") on the dates set forth in the Note's payment schedule, or as reflected in your periodic billing statement (if applicable), or in some cases at later times-for example, the day after a holiday or weekend when the payment would otherwise be due, the day after a courtesy payment deferral expires or the day we resolve an unforeseen technological issue such as the unavailability of our ACH processor.
By signing the agreements, the Complainant acknowledged their understanding of the terms and conditions of each agreement.
Speedy Cash finds the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, however as a one-time courtesy a refund of the past due payment of $614.27 was initiated on March ******. Please note that it may take up to fourteen (14) days for the refund to process. If the Complainant has any additional questions or concerns regarding their account, we urge them to contact Speedy Cash directly at **************.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:03/10/2025
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.
My name is ******* **** I want to file a formal complaint against TitleMax they picked up my vehicle on Sunday March 2nd I've been calling and trying to locate and pick up my vehicle since Monday March 3rd they seem to can't locate the vehicle because every day they're giving me a run around or seeing the vehicle's going to be delivered or it's already here where it was supposed to be and then giving me a number to where the vehicle was supposed to be and these people not have in my vehicle
I'm trying to pay off the loan and retrieve my vehicle and then they can't find my vehicle they towed it from where from the mall and they can't seem to find it so I can pay for it and retrieve it
I have personal effects in there such as my daughters and nebulizer I take my kids to school and doctor's appointments and my mother's in the hospital and my husband took off all week because I have no vehicle from work so on top of I'm losing money they won't they won't even take my money I owe for the vehicle and give me my vehicle back
Business Response
Date: 03/11/2025
***************

Thank you for the opportunity to respond to the complaint
filed by ******* **** (Complainant).
TitleMax of Georgia, Inc., DBA TitleMax, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in
resolving consumer concerns. We are happy to provide this response.

To summarize, the Complainant states their vehicle was picked
up on March 2, 2024, and they have been calling in attempt to locate the
vehicle since March 3, 2024. They want to pay off the loan but are unable to
find their vehicle. They request their vehicle back and 25% off their loan.

It should also be noted that contrary to the Complainant’s
statement of receiving a “loan,” TitleMax operates as a pawnbroker in
accordance with Georgia law and does not issue loans.

A review of TitleMax records revealed that on November 14,
2023, the Complainant obtained a pawn in the amount of $2,768.00 at a
storefront in McDonough, GA. The Complainant granted a security interest in a
2011 Acura MDX a VIN ending in ******. The pawn was contracted to be repaid in
full in the amount of $3,210.60, due December 14, 2023, however, the
Complainant extended their loan once. On February 1, 2024, the Complainant made
a payment of $661.73 and refinanced their existing pawn of $2,768.00. The pawn
was contracted to be repaid in full in the amount of $3,149.42, due March 2,
2024, and the Complainant completed another extension.

The second and final refinance was completed on April 3,
2024, in which the Complainant made a payment of $353.26 and refinanced their
existing pawn of $2,649.42. The pawn was contracted to be repaid in full in the
amount of $2,980.60, on May 3, 2024.

When an extension was not requested nor the payment made on
May 3, 2024, the account entered a past due status. Due to continued
non-payment, the vehicle was recovered on March 2, 2025, and the account was
assessed a $50.00 Repossession Fee. Payment history on the most recent
refinance indicates there was one (1) payment made on the pawn when the
Complainant paid the account in full on March 7, 2025, in the amount of
$3,361.78.

To address the Complainant’s concern regarding obtaining
their vehicle, please note TitleMax utilizes third-party vendors for the
vehicle recovery. The vehicle arrived at Insurance **** ******** ***** on March
7, 2025, and the Complainant picked up their vehicle on March 10, 2025. Should
the Complainant have additional questions regarding the repossession process,
we urge them to contact *** directly at ###-###-####. For any other account
related questions, they can contact TitleMax directly at ###-###-####.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Initial Complaint
Date:02/28/2025
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 am filing a complaint against TitleMax in Snellville, Georgia for taking advantage of my elderly mother through predatory lending practices. TitleMax knowingly issued her a loan despite her inability to repay it. My mother is on a fixed income, receiving only $600 per month from Social Security, which is less than 25% of the amount of the loan. The terms of the loan were set up in a way that she has no means of repayment, leaving her vulnerable to repossession of her car.

TitleMax set her monthly payment at over $1,000, despite her monthly income being just $600. Additionally, my mother was not informed that the $1,000 payment was for interest only, leaving her trapped in an unmanageable debt cycle. This lack of transparency is not only unethical but is also an attempt to exploit an elderly woman who is clearly unable to meet these financial demands.

When my mother’s health took a turn and she was hospitalized due to congestive heart failure, we reached out to TitleMax for a payment arrangement. They refused to work with us, further exacerbating her financial and emotional distress.

I believe TitleMax intentionally targeted my mother with the goal of repossessing her car, which she relies on for basic mobility. This predatory behavior is unconscionable, and we are now exploring legal action due to their treatment of my vulnerable mother.

I request that you investigate this matter and take appropriate action to address TitleMax’s unethical lending practices.
Business Response
Date: 03/11/2025
***************

Thank you for the opportunity to respond to the complaint
filed by ******* ****** (Complainant).
TitleMax of Georgia, Inc., DBA TitleMax, 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 TitleMax took advantage of their elderly mother, claiming
predatory lending practices because they were issued a loan despite their
inability to pay.

It should be
noted that contrary to the Complainant’s statement of their mother receiving a
“loan,” TitleMax operates as a pawnbroker in accordance with Georgia law and
does not issue loans. Further, the Complainant was found to be an authorized
third party on a TitleMax account for Dianne Jordan (Customer).

A review of
TitleMax records revealed that on June 24, 2022, the Customer obtained a pawn in
the amount of $3,018.00 at a storefront in Snellville, GA. A security interest
in a 2014 BMW 3-Series with a VIN ending in ****** was granted. The pawn was
contracted to be repaid in full in the amount of $3,379.85, due July 24, 2022.
On July 24, 2022, a payment of $361.85 was made and the existing pawn of
$3,018.00 was refinanced. The pawn was contracted to be repaid in full in the
amount of $3,379.85, due August 23, 2022.

Between August
19, 2022, and March 8, 2025, the Customer refinanced the pawn on twenty-one
(21) more occasions, borrowing an additional $10,840.00, and extended the pawn
on eleven (11) occasions. The current refinance was completed on March 8, 2025,
in which the Customer made a payment of $595.50 and refinanced the existing
pawn of $8,636.65. The pawn is contracted to be repaid in full in the amount of
$9,716.23, due April 7, 2025. As of the date of this response, the account is
current.

At the time of
pawn origination and each refinance, the Customer signed a Pawn Transaction
Disclosure Statement and Security Agreement 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. It is also important to note that a TitleMax employee explained
the terms and conditions to the Customer.

In addition, the
agreement includes notices on Extension and Continuation which states:
“The initial
term of the Pawn is 30 days, and the Pawn may be extended and continued for
additional 30-day periods with the agreement of Pledgor and Pawnbroker. We may
agree to extend the Maturity Date at our discretion. As a condition to
extending the Maturity Date, for the initial extension and each subsequent
extension, you must pay an amount equal to the then outstanding Pawnshop Charge
(including any charges accrued after the Maturity Date, as described in Section
7 below), and (b) satisfy Pawnbroker’s applicable criteria for extensions. If
you do not request additional funds as part of your extension request, then the
original Pawn will be continued.”

By signing the
agreement, the Customer acknowledged their understanding of the terms and
conditions of the pawn. In addition, the Customer completed multiple refinances
using TitleMax’s online web application which allows the customer to move at
their own pace to ensure full understanding of any and all documents presented
to them prior to signing. Further, in addition their signed Credit Application
contains the following: “By signing and submitting this Credit Application,
each of the undersigned acknowledges, confirms and agrees as follows: (a) all
information in this Credit Application is accurate, complete and correct; (b)
you have the ability to repay the requested amount; and (c) you have received,
reviewed, understand, and agree to the Additional Terms and Conditions of this
Credit Application set forth above.”

It is important
to note that Title Max encourages customers to use this product as a short-term
financial solution. The balance may be paid back at any time with no penalty
for early payoff. Further, customers may cancel the agreement by returning the
check by which TitleMax disbursed the pawn proceeds or an equivalent amount of
cash to us by the close of business on the business day following the date of
the agreement.

In response to
the Complainant’s allegation of predatory lending, TitleMax is committed to
treating its valued customers in a fair, honest, and transparent manner and
views recovery of a vehicle as a last resort. TitleMax reasonably ensures that
its development, delivery, and servicing of products will not result in an act
or practice that is unfair, deceptive, or abusive. TitleMax ensures that all
fees and interest charged are in compliance with all applicable State and
Federal laws and regulations. TitleMax believes that the conditions of the pawn
were clearly disclosed and finds no discrepancy or concern in how the
transaction was processed.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at ****************************.

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Initial Complaint
Date:02/28/2025
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 had a loan with speedy cash and they were supposed to take payment in September and I authorized that for some reason they didn’t take payment and my bank said they never tried well now all these months later they noticed they never took payment and offered me 70% off which I was going to take and instead they took the full payment of over $300 and did it as a check with my name on it through my account which is illegal! I DID NOT give them permission to take a check for $323.28. They have now compromised my checking out, illegally collected money!
Business Response
Date: 03/05/2025
**************

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 claims Speedy Cash did
not try to take the payment they had previously authorized. They state that
without their permission months later, Speedy Cash took the full payment
through a check, despite the Complainant being offered a 70% settlement.
A review of Speedy Cash records revealed that on
September 5, 2024, the Complainant obtained a loan online in the amount of
$260.00. The loan was contracted to be repaid in full in the amount of $298.80
on September 19, 2024.
Payment history indicates there have been no payments
made on the loan. When the payment was not made on September 19, 2024, the
account entered a past due status and a surcharge of $25.00 was accessed.
Contrary to the Complainant’s claim that we did not try to take the payment,
the debit card on file was attempted on twelve (12) occasions, each being
unsuccessful. The Complainant currently has a past due balance of $323.80,
however, as mentioned by the Complainant, a remotely created check (“RCC”) is currently
pending via the bank account on file as of February 20, 2025.
It is important to note that upon loan origination,
the Complainant signed and agreed to the Small Loan Agreement as well as the
Optional Loan Payment Authorization (OLPA) which discloses the following
statement: “…we may process the payment as an ACH or other electronic
payment or, instead, we may create and deposit a remotely created check (“RCC”)
…” By signing the agreement, the Complainant pre-authorized automatic bank
drafts in the event of a default. We submit there was no unauthorized payment
taken from the account. On March 1, 2025, we placed a revoke on the account to
prevent further ACH payments.
To address the settlement the Complainant claims they
were offered, our records do not indicate such an offer. Should the Complainant
have proof otherwise, they may send documentation to **************************** so that we may investigate this claim. Should the Complainant have any other
questions or concerns regarding their account, we encourage them to contact Speedy
Cash directly ###-###-####.

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

Customer Answer
Date: 04/08/2025
***********

This is ****** ******* I filed a complaint against speedy cash complaint number ********. They agreed to give me 70% of my money back and said it would be sent as of March 17th and to expect it in 5 days well they never sent it. I reached out to them and they said they would look into it and never responded and never sent the money. I wouldn’t have closed the case if I knew they were going to lie.
Business Response
Date: 04/11/2025
**************

Thank you for the opportunity to respond to the
rebuttal referencing 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 claims Speedy Cash has
not sent the 70% refund.
As of April 10, 2025, a refund in the amount of
$226.67 has been issued to the bank on file. We ask the Complainant to allow
3-4 business days for the bank to process the electronic refund.
We hope that we have fully addressed the complaint.
Should the Complainant or Better Business Bureau require further explanation,
we may be reached at *****************************

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Customer Answer
Date: 04/12/2025
*************

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

Regards,

****** *******
Initial Complaint
Date:02/27/2025
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 out a loan for 1800 in January 2025 I have already paid 3,070 and they are still saying I owe 1000 they charge my a monthly fee every time I pay even if I pay more then once a month
Business Response
Date: 03/03/2025
****************:

Thank you for the opportunity to respond to the complaint
filed by ***** ******* (Complainant). TitleMax of Georgia, Inc., DBA TitleMax, a
member of Community Choice Financial® family of brands, appreciates
the role of the Better Business Bureau in resolving consumer concerns. We are
happy to provide this response.

To summarize, the
Complainant states they took out an $1,800.00 loan that they still owe on
despite paying once a month. They are requesting an explanation of charges.

It should be
noted that contrary to the Complainant’s statement of receiving a “loan,”
TitleMax operates as a pawnbroker in accordance with Georgia law and does not
issue loans.

A review of
TitleMax records revealed that on January 3, 2025, the Complainant obtained a pawn
in the amount of $318.00 at a storefront in Stockbridge, GA. The Complainant
granted a security interest in a 2006 Ford F150 with a VIN ending in ******.
The pawn was contracted to be repaid in full in the amount of $384.75, due February
2, 2025. On January 7, 2025, the Complainant made a payment of $10.00 and
refinanced their existing pawn of $316.90, borrowing an additional $400.00. The
pawn was contracted to be repaid in full in the amount of $867.38, due February
6, 2025.

Between January
14, 2025, and February 27, 2025, the Complainant refinanced their pawn on seven
(7) more occasions, borrowing an additional $2,401.00 total as well as
completing three (3) extensions. The current refinance was completed on
February 27, 2025, in which they refinanced their existing pawn of $812.03,
borrowing an additional $325.00. The pawn is contracted to be repaid in full in
the amount of $1,341.58, due March 29, 2025. As of the date of this response,
the Complainant’s account is current.

At the time of
pawn origination and each refinance, the Complainant signed a Pawn Transaction
Disclosure Statement and Security Agreement 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 this agreement, the Complainant acknowledged their
understanding of the terms and conditions of the pawn.

The agreement
includes notices on Extension and Continuation which states: “The
initial term of the Pawn is 30 days, and the Pawn may be extended and continued
for additional 30-day periods with the agreement of Pledgor and Pawnbroker. We
may agree to extend the Maturity Date in our discretion. As a condition to
extending the Maturity Date, for the initial extension and each subsequent
extension, you must pay an amount equal to the then outstanding Pawnshop Charge
(including any charges accrued after the Maturity Date, as described in Section
7 below), and (b) satisfy Pawnbroker’s applicable criteria for extensions. If
you do not request additional funds as part of your extension request, then the
original Pawn will be continued.”

Under a pawn
transaction, the entire balance of the pawn becomes due in thirty (30) days. To
address the Complainant’s request for an explanation of charges, as outlined in
their signed agreement: Prepayment, Payments, and Application of Payments;
Redemption: “You may prepay in full at any time without additional
charge, fee or penalty. If you prepay the Pawn in full, then you will not be
entitled to a rebate and/or refund of any part of the Pawnshop Charge for this
Pawn. Pawnbroker accepts payments by cash, cashier’s check, money order, debit
card or other method specified by Pawnbroker from time to time. If we are not
open on a payment due date, we will treat payments made on the next business
day as timely made. The truth-in-lending disclosures provided above assume that
you will pay all amounts owing hereunder on the Maturity Date. We apply
payments first to the outstanding Pawnshop Charge and then to principal.”

Payment history
reveals the Complainant has paid down on their principal on at least two (2) occasions,
however, elected to receive additional funds with each refinance, therefore
increasing the amount owed each occurrence.

It is important
to note that Title Max encourages customers to use this product as a short-term
financial solution. The balance may be paid back at any time with no penalty
for early payoff. Further, customers may cancel the agreement by returning the
check by which TitleMax disbursed the pawn proceeds or an equivalent amount of
cash to us by the close of business on the business day following the date of
the agreement.

TitleMax believes
that the conditions of the pawn were clearly disclosed and finds no discrepancy
or concern in how the transaction was processed. We encourage the Complainant
to call Customer Service at ###-###-#### for any
additional questions regarding their account.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Customer Answer
Date: 03/05/2025
I called title max and was talk to a young lady about my recipients were one states that my total amount due is 0 and the next states that I made a 85 payment and my total amount is 950.68 then I made a payment of 1500 and my recipients states my total amount due is still 950.68 then I ask for copys of all my transactions and was told that they could not provide me with a copy they stated it was a computer error about my recipients if I only owed 950.68 when I payed 85 the the 1500 should have paid it off but title max states I still owe over a 1000 there is no way I have all ready paid 3070 in a month a a half and it's not paid off all I'm ask8ng for is my title back and my account to be closed and no more dealings with titlemax

Regards,

***** *******
Business Response
Date: 03/11/2025
********************

Thank you for the opportunity to respond to the rebuttal
referencing the previous complaint filed by ***** ******* (Complainant). TitleMax of Georgia, Inc., DBA
TitleMax, 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 claims
their receipts show that their total amount due is zero. They state their account
has been paid off and is requesting their title back.

As stated in our previous response, at the time of pawn
origination, the Complainant signed a Pawn Transaction Disclosure Statement and
Security Agreement 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
this agreement, the Complainant acknowledged their understanding of the terms
and conditions of the pawn.

Under a pawn transaction, the entire balance of the pawn
becomes due in thirty (30) days. To address the Complainant’s statement
claiming the account should be paid off, a review of the payment history
reveals the Complainant has paid down on their principal on at least two (2)
occasions, however, elected to receive additional funds with each refinance,
therefore increasing the amount owed each occurrence. In response to the
Complainant’s concerns regarding their receipts, it is important to note that
with each occurrence they obtain additional funds, that amount is reflected on
the payment receipt. If a payment is made to complete an extension, the amount
due will reflect as zero at that time
.
TitleMax believes that the conditions of the pawn were
clearly disclosed and finds no discrepancy or concern in how the transaction
was processed. We encourage the Complainant to call Customer Service at ###-###-#### for any additional questions regarding
their account.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Customer Answer
Date: 03/12/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

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

I am rejecting this response because:

Regards,

***** *******
Initial Complaint
Date:02/25/2025
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.
This is my second loan with Speedy Cash and my first ongoing issue
1.9.25 sent email to customer service, I lost my job , it’s a tuff time , will have funds soon and will pay my loan off in full, EARLY ,No response from Speedy Cash
1.20.25 I called to discuss my account,and ask why my account said : Default ,**** *** was very Rude, I couldn’t talk to her
1:45 sent a follow up email ,4:12 sent another follow up email
No response to any of my emails
1.23.25 I went on line and paid my account balance in full $2,139.71 using a debit card, came out of my account the same day , I emailed customer service, Thank you for your payment of $2,139.71, balance of $1,033.98 I sent another email saying I paid my account in full What is this balance??No response ,
1.27.25 follow up email
1.29.25 another email
I called spoke with a guy named *******, he ask me questions and put me on hold to relay my information to someone, ******* would get back on the phone to tell me what someone said , this went on for 27 minutes , I finally said why can’t I just talk to someone without you being the middle person , then a lady came on the phone , her name was ******* (?) ** ***** (?) someone could actually talk to me and give me information ,I was told this,
12.23.24 $557.47 return NSF
gave it a late fee of $25.00
12.27.24 $557.94 PAID, nothing said to Susan about a late fee
12.28.24 Balance $2,139.71(per *******)and also that is what I got off the system
1.6.25 $557.94 return, NSF late fee of $25.00
1.24.25 paid the balance in full of $2,139.71
La Donna said she had to switch screens Daily interest of $37.36 from Dec 27 thru Jan 23 interest dropped to $19.31 on 1.28.25
I received a letter in the mail saying second notice , Amount due $607.00 This is the first letter I received in the mail $607.00 - $557.94= $ 49.06? what happened $25.00 fee I have lots of time on this, my anxiety is off the charts. I have lots of emails sent , I can forward if needed, no response
Thank you

Business Response
Date: 02/28/2025
*****************

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 alleges that they paid
their account balance in full in the amount of $2,39.71 on January 23, 2025; however, they received an email showing
they had a remaining balance. They further claim that they have not received responses to their emails and received
rude customer service during a call. The Complainant requests a billing
adjustment.

SCIL, Texas, LLC DBA Speedy Cash is a
registered Texas Credit Access Business (“CAB”) and assists consumers in
obtaining loans from willing, unaffiliated lenders. Speedy Cash services the
loan but is not a lender in Texas. Speedy Cash charges a CAB fee in the amount
permitted by Texas law.

A review of Speedy Cash records
revealed that on August 2, 2024, a loan was obtained with First Star Financial, LLC in the principal
amount financed of $800.00 online at ******************. The loan was
contracted to be repaid in eleven (11) payments of $222.99 every other Monday
beginning on August 19, 2024, and a final payment of $222.76 due on January 20,
2025. On December 5, 2024, the Complainant made a payment in the amount of
$222.99 and refinanced their existing loan in the amount of $623.86, borrowing
an additional $1,376.14. The loan was contracted to be repaid in eleven (11)
payments of $557.47 every other Monday beginning on December 23, 2024, and a
final payment of $557.42 due on May 26, 2025.

When the payment was not made on
December 23, 2024, the account entered a past due status and a surcharge fee of
$25.00 was assessed. On December 25, 2024, a past due notice was sent to the Complainants address listed on the account. A review of the payment history
indicates a payment in the amount of $557.94 was made on December 27, 2024, with
a remaining balance of $2,139.71.
Due to continued nonpayment, on January 7, 2025, another surcharge fee of
$25.00 was assessed onto the balance and a second past due notice was sent to the Complainant’s address listed on the account, informing
the Complainant of a past due
amount of $607.00. On January 17, 2025, a manual ACH payment was sent online
for the full balance at that time in the amount of $2,949.47; however, the ACH payment was returned on January 23, 2025, as a
stopped payment. The Complainant received an email on January 23, 2025,
informing them that the payment was returned and that there was a past due balance of $557.47on the account. On January 23, 2025, a debit card payment in the amount of $2,139.71 was made online, leaving
a remaining balance of $1,033.98 on the account. On the same date, the Complainant responded to an email informing
Speedy Cash that they made a debit card payment, and the loan should be paid in
full. Speedy Cash responded to the Complainant on January 29, 2025, advising
the Complainant to contact customer service.

At the time of the loan
origination, the Complainant signed a Promissory Note and a Credit Access
Services Agreement 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. In addition, in the
Credit Access Services Agreement states:
“PAYMENT TERMS/ OUR FEES: If you qualify for a loan
under the Lender's underwriting criteria, we will charge you fees based upon
the amount and term of your Loan provided to you by the Lender. You will be
required to make payments periodically, and each payment will consist of fees
charged by us ("CAB Fees"), as well as interest and principal charged
by the Lender. The maturity date of your Loan is based on your pay period cycle
and the origination date of your loan.

The CAB Fees are calculated at 672.00% per annum of the outstanding principal
amount on the Loan. The CAB Fees are not due at the origination date of the
Loan, and are not deferred. The CAB Fees are only due and owing at the daily
accrued rate during the applicable period when we perform our services and as
long as your Loan remains outstanding.

Your
payments of CAB Fees to CAB, plus principal and interest to Lender, will be
payable every two weeks, semi-monthly, or monthly depending on your pay period
cycle. In the aggregate, your total CAB Fees will be $4,620.83. These CAB Fees will be payable in installments, along
with principal and interest charged by the Lender, in the schedule set forth
below. Note that the CAB Fee payments will also be included in your Payment
Schedule identified in your Truth in Lending Disclosures in your Promissory
Note with Lender.”

By signing the agreements, the
Complainant acknowledged their understanding of the terms and conditions of
each agreement.

Concerning the
narrative of the loan being paid in full, it is important to note that the
amount the Complainant referenced as the balance was the balance for the date
of December 27, 2024. As seen in the email provided by the Complainant, their
online account showing the loan status as defaulted and a loan balance of
$3,024.41 with a payment due on January 20, 2025. The Complainant was aware of
the correct balance at the time they made their payment. As of the date of this
response, the account has a past-due balance of $1,536.30 but is subject to
change due to interest and/or fees that may be accruing.

Regarding the
claim of not receiving responses to their emails. Our records show that Speedy
Cash responded to the Complainant via phone and email. Please note we may
experience extended delays during peak times, and we appreciate the patience of
our customers. We do apologize for any inconvenience this may have caused

Speedy Cash
endeavors to assist our customers with all their concerns and provide the best
service possible. We believe that the conditions of the loan were clearly
disclosed and finds no discrepancy or concern in how the transaction was
processed, therefore the request for a billing adjustment will not be accepted
at this time. Should the Complainant have any additional questions or concerns
regarding their account, we encourage them to call our Customer Service
department directly at ###-###-####.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Customer Answer
Date: 03/03/2025
I did call the 800 number lots times, it was like talking to a robot, they would just say the same thing over and over, you have a balance you owe $ 1,033.98
They have never responded to my emails, no one would discuss this, so it could be resolved, at first they said I had a balance of $1,033.98 and now say I owe $1,536.30. added $502.32 more fees
All they want to do is play games and give me the go around , so they can continue to add the fees and say I owe more money,
If they would of had a person that worked for them ,that would of worked with me instead of against me, this could of been resolved, most of the people that work for this company does not even know who owns this company, does any one that works for this company know how to handle a situation ? with out being rude ? anyone work here that can resolve an issue? customer service surely cannot help.
I was asked by Jamie, if I paid $2,139.71 because I was giving a discount ? oh so they do give discount, I was never offered one and to top it all off, I paid off this loan EARLY and in FULL. they say they record all the calls, so listen to them, listen what was said on them !
I paid off the loan of $2,139.71 on 1.24.25 paid off early, the loan went out til May 26,2025, paid off the loan 4 months early.
lets talk about in the email below, they admit that I owe $ 2,139.71 as of December 27, 2024
saying I owe $25.00 surcharge, December 27.2024, balance of $2,139.71, which was paid $2,139.71 in full on January 24,2025 by my debit card , they received the funds the same day, okay so I owe them $25.00 surcharge, that I will be happy to pay , otherwise I do not owe any other amount. I paid this off 4 months early!!
sad to say it took me to complain with BBB, to get a response from this company, that proves they are just riding this out adding fees , not wanting to resolve this matter. this account I owe $ 25.00 to and it should be closed paid in full, I have spent 4 months trying to get this resolved, this company has continued to ignore me or give me the go around, maybe I should charge them for all my time spent on this . I need to move forward and look for a job, If I need to forward all the time I have called and all the emails to prove I have tried, I will be more then happy to do so.

Regards,

***** ******
Business Response
Date: 03/07/2025
************
Thank you for the
opportunity to respond to the rebuttal referencing the complaint filed by Susan
Fisher (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 attached
the requested bank
statement showing the account was paid in full on January 24, 2025.

Please note
that the bank statement provided was not requested. Our records show a payment
in the amount of $2,139.71 was received on January 23, 2025, however, that
payment did not satisfy the loan balance. As of the date of this response, the
account has a past-due balance of $1,806.77 but is subject to change due to
and/or fees that may be accruing.
Should the Complainant have any additional questions or
concerns regarding their account, we encourage them to call our Customer
Service department directly at ###-###-####.

We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at ****************************.

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Initial Complaint
Date:02/24/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a loan with this company almost 3 years ago. I have since paid back double what I originally took out. I came into some medical problems so I fell behind on the loan. They sold the loan to two debt collectors-first South District Group, second one ************************** As stated, I've paid back way more than the original balance. The agencies that they work with, especially ************************* broke countless of debt collection laws: they would call me in the wee hours of the morning, late at night and despite having payment arrangements they repeatedly called and texted my relatives, associates, and even my boss. They illegal disclosed my debt to said relatives. I asked them multiple times verbally and in writing to stop contacting my relatives, but they refused. I am considering taking legal action. As a result of what I have paid, the debt nearing the statute of limitations, NUMEROUS debt collection law violations, I am asking for this debt to be discharged and the cease and desist to be honored.
Business Response
Date: 02/27/2025
February 27, 2025

Better Business Bureau
*************************************

RE: BBB Complaint ID ********

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by ***** ******** (Complainant). *************** *** **********************************, 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.

*************** DBA ********************************** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders and services the resulting loans. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.

To summarize, the Complainant states their loan was sold to debt collectors, South District Group, and then *************************, after they fell behind on repayment almost three (3) years ago. The Complainant claims they have since repaid double the amount of the original loan,however ************************* has broken multiple debt collection laws while attempting to contact the Complainant and collect the debt. The Complainant is requesting for the debt to be discharged and a cease and desist to be honored.

A review of Speedy **** records revealed on August 29, 2022, a loan was obtained with Ivy Funding *************** in the amount financed of $1,250.00 online at **********************************. The loan was contracted to be repaid in ten (10) payments in the amount of $350.00, due on the 15th and the last day of each month, beginning on September 15, 2022, and a final payment of $1,658.21 representing the final CAB fee, principal, and lender interest, due on February 15, 2023. A review of the payment history indicates there have been no payments received on the loan.

When the payment was not received on September 15, 2022, the account entered into a past due status. After continued non-payment, the account was sold to *************************** on October 2, 2023. *************************** may or may not be the entity reporting the Complainants account to the ********************** bureaus. As we are no longer the owner of the account, and ********************** **** is not currently reporting the account to any ********************** bureaus, concerns regarding the account including repayment options, credit reporting removal and further disputes should be directed to ********************** reachable at *************.

It is important to note that Speedy **** has not attempted to contact the Complainant since the account was sold, however Speedy **** has honored the Complainants request and updated their account to a do not contact status.

We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************

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