ComplaintsforFirst National Bank of Pasco

• Initial Complaint

  05/09/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am liable for the debt with First National Bank of Pasco. I do not have a contract with NCA. They did not provide me with the original contract I requested.

  

  Business response

  05/17/2024

  See the attached fully explained findings.

• Initial Complaint

  04/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid this account of I got a $400 personal loan from them and after I paid of the account without a late payment they had the audacity to put a late payment in my credit report VERY unprofessional about them it literally dropped my score 47 points and thats not cool ************ gets paid and still has the audacity to mess up someones credit Another thing that doesnt add up how is it that my account closed with them on February 1st because I paid them off but on March 29th they decide to mark a late payment on my credit history IT DOESNT ADD UP

  

  Business response

  04/15/2024

  See attached Letter.

• Initial Complaint

  03/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Not my account, I have no knowledge of this account

  

  Business response

  03/21/2024

  Our response to this BBB Complaint is attached.  In summary, based on our research, the claim of ID theft cannot be supported.  

• Initial Complaint

  10/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took a loan from check into cash. The loan is through Firstfin Credit. I paid the loan off based on the amount the First fin rep gave me. I requested to close the account. When I checked the acc to ensure it was closed it now showed a credit balance for over payment. I called and requested a refund. They said I had to go into a check into cash office to request the refund. I drove to the check into cash store after one hour of going back and forth with them I got my refund. I asked to please close my account and was told they could not close it I had to call First Fin. When I called First Fin I was told they could not close it because I owed them ********************************************************** she would close the acc. Today I received a call from check into cash asking if I need to borrow from my account when I told them the account was closed. The lady said it's not because I owe 95 cents. I asked if I pay it can you close my account she said yes. I gave her the payment then she said she can't close it because the system didn't let her. She asked me to call Firstfin. I called Firstfin 3x's today they transferred me to col l ections, then to another rep who said they are not Firstfin I called agai to y g e number on the Firstfin text message the rep **** answered had all my information using my phone number said she needed to transfer me. The next rep said she couldn't find any information for me. I need help closing this account please. This company appears to keep accounts open to allow them to continue to collect interest charges.

  

  Business response

  11/01/2023

  November 1, 2023
  
  Better Business Bureau???
  ***************************??
  ********, ** *****?? ??
  RE: BBB Complaint ID ******** ??
  
  
  Dear BBB Dispute Resolution Team:??
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer (Complainant). ********************** dba ****************** appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.???? ??
  To summarize, the Complainant states she had originally received a loan through Check into Cash. She believes that she had repaid the loan in full and closed the account; however, the account remains still open.The complainant also states that she wishes to close the account and no longer wants this account.
  Contrary to the statement made in the corresponding complaint, the complainant did not obtain a loan from Check into Cash. Our records confirm that on July 14, 2023, the Complainant applied for and received a Line of Credit for $1,000.00 with FirstFin Credit. The application was taken at our preferred marketing location, which was Check into Cash.
  As part of our application process, approved applicants are presented with their Line of Credit contract which states the following: To close an account, as outlined in the Agreement, it is required the customer send notification in writing via mail to *********************** P.O. Box ***********, **** *****, or email to ***************************************** We can confirm that we did not receive written notice from the complainant requesting to close her account, until receipt of this complaint.
  Our records also confirm that we spoke with the Complainant on October 11, 2023, at which time the account still had a remaining balance owed. On October 17, 2023, we spoke with the Complainant again, where she called in and requested to close her account after paying the balance. We instructed the complainant to send a close out letter via mail or email. As aforementioned, prior to receiving the corresponding complaint, we never received written notice from the complainant, thus the account remained open.Upon receipt of this complaint, we have closed the complainants account as requested.
  We hope we have fully addressed the complaint. Should the complainant or the Better Business Bureau require further explanation, we may be reached at *****************************************???
  
  Sincerely,?
  FirstFin Credit ****************
  PO Box **** Dublin, ** 43017
  **************
  ****************************************

• Initial Complaint

  05/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This account was closed when I paid out my pay day loan, even the employees at the check cashing place I got the loan stated it was, I contacted firstfin and closed my account the day I paid off my loan because I had this same issue with them before keeping my account open. I never once received any attempt to collect any debt ( which I dont owe in first place because it was closed) they never informed me my info would be sent to credit agency I called and they told me on the phone that they have no record of me owing at all. This is negatively affecting my credit and is complete fraud on their behalf! I have phone records that I called their establishment to close this account. They have no right to do this to me and refuse to remove it off of my credit.

  

  Business response

  05/17/2023

  May 17, 2023
  
  Better Business Bureau?? 
  ***************************? 
  ********, ** 43215? 
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:? 
  
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer (Complainant). ********************** dba ****************** appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.  
  
  To summarize, the Complainant states that her account was closed when she paid off her payday loan, however,is still showing as open.  The Complainant further states this is negatively affecting her credit, is complete fraud, and never received any collection attempt notifications.
  
  A review of our records confirms that on March 23, 2022, the complainant applied for and was approved for a Line of Credit for $850.00 with First National Bank of Pasco, dba FirstFinCredit. The billing statement that was sent to the email address that the customer included on her application shows that she assessed a $25 annual fee, which was not paid when the customer repaid her advance on April 8, 2022.
  
  Once the customers advance was repaid on April 8, 2022, she immediately withdrew another advance from her line of credit account for $850.00 which was due on April 22, 2022.The billing statement that was provided to the customer showed a total amount due of $883.77; however, the customer only paid $860.73, leaving a remaining balance of $32.11. On May 7, 2022, the complainant made a payment of $10.99,leaving a balance of $21.12.  Reminder emails to review the online statements were sent to the customer monthly, beginning on May 20, 2022.
  
  The statement made in the corresponding complaint about not receiving any collection attempts is unsupported. Our records confirm that we made several attempts to contact our customer regarding her account and to help resolve the delinquency; however,our attempts were unsuccessful. During that time, the customers account remained delinquent and was subsequently sold to **** Series 2 Sub, LLC on March 11, 2023. 
  
  Based on the foregoing facts which are supported by our records, the claims made by the complainant about there being fraud on the companys behalf are unfounded. We did not hear from the customer regarding the closure of her account until April 18, 2023. At that time, we informed the customer that her account had been sold and provided her with contact information for ****. If the complainant has any further questions regarding the account or the outstanding balance, we encourage her to contact **** Series 2 Sub, LLC at **************. 
  
  It is the policy of FirstFinCredit to provide timely and accurate information to the credit-reporting agency per the Fair Credit Reporting Act (FCRA).  Accordingly, FirstFinCredit has reported the complainants account accurately. As it is our obligation to report accurate information to the credit reporting agencies, we will not be able to remove the reporting of this account from the complainants credit report. The complainant may file a dispute directly with the credit-reporting agency; however, if the credit-reporting agency seeks to verify the disputed information, we will fully investigate the dispute and must confirm any information that is verified as being accurate.
  
  We hope we have fully addressed the complaint. Should the Complainant or the Better Business Bureau have any additional questions regarding this complaint, we may be reached at ****************************************.?? 
  
  Sincerely, 
  
  Customer Service 
  P.O. Box 1316 
  Dublin, ** 43017 
  ************** 
  **************************************** 
  

  Customer response

  05/21/2023

   
  Complaint: 20058463
  
  I am rejecting this response because:
  I never received one email requesting payment at all I have requested statement from the check cashing place that heard them tell me on the phone my acct was closed and asp do not receive call orders for my number. I also have bank statements and phone records including recordings that show my account was closed and they are fraudulently charging me. This is my last attempt to have this fraud removed from my credit or I will have an attorney seek the damages it has cost me in court along with their fees to be paid by your company. Go through your emails as I was never emailed once! Also listen to ur phone records which I have the recording I closed this account because I was fraudulently charged last time also! If this is not resolved immediately I will seek legal assistance to do it!
  Sincerely,
  
  *************************

• Initial Complaint

  01/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out a two week loan that was due on the 16th of December and paid the amount in full on the 16th when CheckSmart opened at 9am paid 689 including the 25 dollar annual fee to use there company. ****** was paid in full on time and have the bank records to show it was paid. And now I'm receiving calls and messages that I owe more money after the loan was paid in full. The are telling me it for interest after the loan has been paid in full? I called the corporate office and they transferred my call back to the store I used! The interest is only ****, yes only **** cent total. Corporate office will only say must be a 3rd party and transfer me back to the store. And I'm not getting my 25 dollar annual fee back, I already asked. I'm going to the CheckSmart store tomorrow and pay it and having all my records shredded and or deleted with this company. If they do this to everyone they are scamming a lot of people!

  

  Business response

  01/04/2023

  
  
  January 4, 2023
  
  
  Better Business Bureau
  1169 ***********
  ********, ** 43215
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ************************* (Complainant). CheckSmart, a member of the ************************** 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 receiving calls and messages regarding a two-week loan in the amount of $689.00 including a $25.00 annual fee they obtained with CheckSmart. They claim they have bank records to show the loan was paid on the loans due date, December 16, 2022. They also claim they requested a refund of $25.00 as the interest charged is only $7.04 but were told they were not getting it back. They are requesting to have their records shredded and deleted.
  
  For clarification, CheckSmart did not originate the loan in question; the Complainant entered into a loan agreement with an unaffiliated lender FirstFin Credit. CheckSmart is not the lender and merely provided the Complainant with access to FirstFin Credits products. CheckSmart cannot respond to the Complainants statements regarding the terms and conditions of the credit product received, payments made, or any other fees associated with this loan. CheckSmart recommends that they or the BBB contact FirstFin Credit at:
  
  FirstFin Credit
  PO Box 136
  ******, ** 43017
  ************
  
  We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ****************************.
  
  Sincerely,
  
  
  BSG Consumer Complaints
  5165 ************ #***
  ******, ** 43017     

  

  Business response

  01/17/2023

  January 17, 2023

  
  Better Business Bureau??
  1169 ***********?
  ********, ** 43215?

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

  
  BBB Dispute Resolution Team:?

  
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer
  (Complainant). ********************** dba *********************** Credit appreciates the role of the Better
  Business Bureau in resolving consumer concerns. We are happy to provide this response.

  
  To summarize, the complaint states they took out a two-week loan which was paid back in full, including
  the $25.00 annual fee, on December 16, 2022; however, they are now receiving calls and messages stating
  interest in the amount of $7.04 is still owed on the account.

  
  Our records confirm that on November 18, 2022, the Complainant received a Line of Credit for
  $600.00 with First National Bank of Pasco dba FirstFin Credit. On December 16, 2022, the advance was
  paid in full in the amount of $626.97 which included an annual fee of $25 and interest in the amount of
  $1.97 for the statement period of November 28 December 2, 2022. At that time of the payment, the
  additional interest of $6.40 for statement period December 2 - December 16th had not been billed which
  caused the new balance.

  
  On December 30, 2022, the Complainant contacted our ************************* paid the balance, and
  closed the account. No further payment is due.

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

  
  Sincerely,

  
  Customer Service
  P.O. Box 1316
  Dublin, ** 43017
  **************
  ***********************************************

• Initial Complaint

  10/14/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am currently going through a bankruptcy proceeding, on August 10 I met with my attorney to discuss this process. During the process my attorney advised me to stop making payments on debt (as I was already so far behind) and to contact any and all creditors that had my debit or bank information and deauthorize all payments. On August 11, 2022, at 11:08 I contacted FirstFin Credit requesting that they deauthorize and terminate all forms of payment on my FirstFin Credit account, including my debit card and my checking account. On this same day, through a recorded call, I was told that their customer service representatives did not have that authority and that I needed to send a letter to their financial institution in ******, ** to have it removed. I sent a letter to FirstFin Credit on August 11 the same day I spoke with them. However, this morning on October 14, 2022, I noticed a charge to my bank account in the amount of $216.94 that was completely unauthorized. Especially, 2 months after the first letter was mailed to FirstFin, giving them more than enough reasonable time to remove any and all forms of payment. I spoke to ****, with ********* Horizon, this morning around 8:15 am on 10/14/22 requesting a full refund of the amount which was unauthorized and stolen from my bank account.For further detail, please see the attached documents.

  

  Business response

  10/24/2022

  October 24, 2022 
  
  Better Business Bureau?? 
  1169 ***********? 
  ********, ** 43215? 
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:? 
  
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer (Complainant). ********************** dba *********************** Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.? 
  
  To summarize, the complaint states they are going through a bankruptcy proceeding and contacted FirstFin Credit on August 11, 2022, requesting to deauthorize and terminate all forms of payment on their account and were advised the request would need to be sent via letter.  Complainant states they mailed the letter that same day; however, a payment still processed on October 14, 2022.
  
  Upon reviewing our records,we can confirm that we spoke with the Complainant on August 11, 2022, where she informed our representative that she wished to cancel her automatic payments. During the same conversation, we informed the complainant that she would need to put her request in writing, which is consistent with the terms of her loan agreement. Contrary to the complainants attachment showing that she sent her request in writing, FirstFin Credit never received the written request. A review of complainants payment history confirms that her account remained delinquent. Pursuant to our rights under the loan agreement, due to nonpayment,the account was subsequently sold to Hawthorne Horizon on September 19, 2022, including all outstanding principal ($800), outstanding interest ($40.06), outstanding late fees ($10.00), and outstanding annual fee of ($17.68).  Since FirstFin Credit is no longer the account holder and did not process the payment on October 14, 2022, we suggest they contact ********* Horizon who can be reached at **************.
  
  We hope we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ***********************************************.?? 
  
  Sincerely, 
  
  Customer Service 
  P.O. Box 1316 
  Dublin, ** 43017 
  ************** 
  *********************************************** 
  

• Initial Complaint

  09/15/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The predatory lender Fisrt Fin Credit is not happy about the fact that I am able to avoid exaggerated fees when borrowing or paying back by always using checks, I take my loan in a check, and I mail a check to them when I pay them back. I had an instance where I mailed a was received on time due and had a late fee charge, but was not processed until my account had a late fee charge, I was getting calls from their collection department who are the most unprofessional folks you'll ever talk to. The actual CheckSmart shop texted me a lot about my account being past due and locked. I was very offended and distracted by the calls and messages as I had done my part to make sure my checks get to them on time which they did. I live in the same zip code as this company and I dropped off every check at the same post office where their PO BOX is, and they usually get it the next day. So they made me send another payment via check and later both checks were run and that brought my account into bad shape and I was late to pay rent that month. They promised they were. going to make it right but that hasn't happened yet. I emailed the proof they requested to *********************************************** which was received but no one replied to it or the other emails I sent. A few months went by and now I had a balance of $760 due Aug 26, my payment was mailed a couple of days early, on Monday I checked my account and it wasn't showing my payment, I checked my bank account. and saw that they processed my check but didn't update my account, which would have been paid in full with $5 more than owed just in case..To this day my account still shows that I havent paid and have a late fee charge. I called numerous times and got nowhere, I honestly feel disrespected and mistreated, the people on the phone are not helpful and I got off the phone every time. feel down and like I wasted my time talking to people with no empathy who didn't care about how their poor ethics is affecting my life.

  

  Business response

  09/15/2022

  From: ******************* <**************>
  Date: Thu, Sep 15, 2022 at 8:23 AM
  Subject: Complaint ID #********
  To: *************************************** **************************************************** <**************************************************>
  
  
  Good Morning *********,
  
  I am emailing regarding complaint ID ********, for Serigne Fall. It appears this complaint was directed to us by mistake, the Complainant states FirstFin Credit as the lender.
   
  
  Are you able to redirect this to FirstFin or do you need an official response from us stating we are not the lender, are not affiliated with the lender, and that this should be directed to FirstFin?
  
   
  Thank You
  
  *******************
  
  Director, Operations Support | **************************
  
  Direct ************ | Mobile ************ | Fax ************
  
  5165 ************, Suite 100, ******, ** 43017
  
  ******************  | www.ccfi.com
  
   
  
   
  
  
  
  --
  ***************************************
  
  Senior Dispute Resolution Consultant
  BBB Serving ************
  *********************
  bbb.org
  

  
  

  

  Business response

  09/23/2022

  September 23, 2022
  Better Business Bureau
  1169 ***********
  ********, ** 43215
  RE: BBB Complaint ID ********
  ******************** Dispute Resolution Team:
  Thank you for the opportunity to respond to the complaint filed by Serigne Fall (Complainant). First
  National Bank of Pasco dba FirstFin Credit appreciates the role of the Better Business Bureau in
  resolving consumer concerns. We are happy to provide this response.
  To summarize the complaint, the Complainant states they feel offended and distracted by the calls and
  messages received from collection agents, their checks were not received in a timely manner causing their
  account to be past due, they sent in emails as requested with no response, their account has not been
  corrected as promised, their check payment has not been updated to their account, and they feel
  disrespected and mistreated by the people on the phone when they call in.
  After review of the account, the Complainant took an advance on their line of credit in the amount of
  $450.00, with a due date of May 20, 2022. Due to a miscommunication, the Complainant mailed two
  check payments, which were received on May 27, 2022 in the amount of $450.00 and May 31, 2022 in
  the amount of $460.00. The Complainant was advised of an overpayment and received a refund via check
  on June 8, 2022.
  On August 8, 2022, the Complainant advanced on their line of credit in the amount of $500.00 with a due
  date of August 26, 2022 and then advanced on their line of credit again on August 15, 2022 in the amount
  of $250.00 with a due date of September 9, 2022. The Complainants check payment was received and
  posted to the account on September 14, 2022. At that time, any late fees and interest charges were also
  waived. As of September 21, 2022, the complainant is able to draw on their line of credit. The
  Complainant may also review their account online at portal.firstfincredit.com to see these updates.
  Regarding the emails sent which were not responded to, and the Complainant feeling disrespected and
  mistreated, FirstFin Credit apologizes for any inconvenience this may have caused and have forwarded
  their concerns to management to address accordingly.
  We hope we have fully addressed the complaint. Should the Complainant or the Better Business Bureau
  require further explanation, we may be reached at ***********************************************.?
  Sincerely,
  Customer Service
  P.O. Box 1316
  Dublin, ** 43017
  

• Initial Complaint

  05/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  see Attached document

  

  Business response

  05/25/2022

  Business Response /* (1000, 5, 2022/05/11) */ RE: BBB Complaint #XXXXXXXX First National Bank of Pasco, dba FirstFin Credit, is in receipt of correspondence dated May 4, 2022, submitted to the Better Business Bureau (BBB) regarding *** ***** *** (Complainant). We are happy to provide this response. To summarize, the Complainant states their account with FirstFin Credit has not been reported to the three credit bureaus. As stated in the Line of Credit Agreement, the Complainant authorizes FirstFin Credit to report account information to consumer reporting agencies. As of May 10, 2022, FirstFin Credit updated the Complainant's TransUnion credit report to reflect the Complainants last statement from May 4, 2022. Currently, Transunion is the only consumer reporting agency FirstFin Credit reports to. We hope we have fully addressed your complaint. Should the Complainant or the Office of the Comptroller of the Currency require further explanation, we may be reached at ***************@firstfincredit.com. Sincerely, Customer Service ** *** **** ******* ** XXXXX (XXX) XXX-XXXX ***************@firstfincredit.com

*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. ↩