ComplaintsforRepublic Finance, LLC

• Initial Complaint

  07/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Republic Finance, LLC. I do not have a contract with the collection agency trying to collect and/or reporting this information to my credit report. They did not provide me with the original contact information requested.

  Business response

  07/16/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 1, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21924439. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In his complaint, the Consumer disputes the way certain information regarding his Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer’s complaint and his statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor 

  Customer response

  07/16/2024

  
  Complaint: 21924439
  
  I am rejecting this because:

  Customer's Statement of the Problem:
  I am not liable for this debt with Republic Finance, LLC. I do not have a contract with the collection agency trying to collect and/or reporting this information to my credit report. They did not provide me with the original contact information requested.
  Desired Settlement:
  Other (requires explanation)
  Correction to my credit report, and I demand this account to be remove from my credit report.

  Sincerely,
  
  ****** * ***** **

• Initial Complaint

  06/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a signature loan with this company, and was contacted by phone to offer a lower interest rate and the option to borrow more funds. I was told that it was being offered because my account was in good standing and reflected that I've paid early and have paid more than required minimum. It was explained that in order to get either of these, they had to conduct a credit inquiry. Because I was told that my interest could be lowed by as much as 10%, I allowed it even though I was unsure if I would want the additional funds. Once they got back to me, I was informed that they'd only lower my interest by 2% and offered me an additonal $2000. I chose to proceed since the credit inquiry was already run, and the representative asked for further documentation. I emailed check stubs, a voided check and other items, then was contacted informing that the final step was to provide collateral such as electronics, jewelry or other valuables that totaled the amount of the loan and that I had to add an insurance policy to the loan that would cost approximately $13/month for 36 months. I was furious because none of that was disclosed when they initially contacted me. I spoke to a manager, but all he did was offer an alternative of having me add them as a lienholder to my home insurance. That option was not any better, so I told them I no longer wanted to proceed with the offer, and I asked them to remove the hard inquiry on my credit. The manager said he would see about reversing it, then contacted me the next day saying he could not. Although he was apologetic, he had no explanation for why that information was not given to me initially when they presented the offer. I asked to make a complaint, but he never got back to me even after I told him I was going to report this to BBB. Because my credit is fair, I was hoping to consolidate payments by borrowing additional funds. The credit inquiry will likely make that harder now, so I'd like to have it removed from credit report.

  Business response

  06/20/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 18, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21864018. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In her complaint, the Consumer disputes a credit inquiry that was created from a loan application. Republic Finance immediately investigated the Consumer’s complaint and her statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

  Customer response

  06/20/2024

  
  Complaint: 21864018
  
  I am rejecting this response because: it does not clearly state what they will be doing to address the matter. If they will do their part to remove the inquiry from my credit report, it should clearly state that. If they are denying my request and will do nothing more besides communicating with me what they've already done (which is nothing to reverse/clear the inquiry), they should clearly state that. 
  
  I apologize if I am not understanding what their intention is to address my complaint, it is likely because I am not savvy enough with the terminology used. I would like their actions stated more clearly and simplified into layman's terms so there is no further confusion. 

  I hope to hear back in a timely manner.

  
  Sincerely,
  
  ***** *****

  Business response

  06/20/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 20, 2024 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint Case #21864018.  Please allow this to serve as Republic Finance’s response to the Consumer’s rebuttal to our response submitted to the BBB on June 20, 2024 regarding this matter.
  
  Republic Finance immediately investigated the Consumer’s rebuttal and her statements made therein. Republic Finance can confirm that the request made by the Consumer to resolve this matter has been approved. Due to the confidentiality of the Consumer’s account, we cannot get into specific details in this response. We have mailed a detailed response under separate cover to the consumer that describes the results of the investigation and the corrective action completed.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  06/14 contacted by manager ****** at branch in St Louis 6910 Olive Blvd 63130... 314-798-0180 after setting up a promise to pay give him my account and routing number for a payment on 6/28 he proceeds to tell me I have to catch up I should go and donate blood... I thought this was unnecessary. I have liver disease and I can not donate blood.... this type of tactics and unkind words yank at the fabric of our nation just to collect money.

  Business response

  06/18/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 14, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21850888. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. As a part of its investigation, Republic Finance’s Regional Vice President (“RVP”) attempted to contact the Consumer to discuss this matter, and to reach a mutually agreeable resolution, with the Consumer. Specifically, Republic Finance’s RVP attempted to reach the Consumer by telephone to discuss this matter on June 14, 2024, June 17, 2024, and June 18, 2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on June 18, 2024 to the Consumer requesting that she return our calls to discuss this matter in detail. As of the date of this response, the Consumer has not contacted Republic Finance.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  06/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  In July of 2020 my account was sent to the Law Office of ******** ********. I went to court and agreed on an amount/monthly payment to settle my debt. This was a joint account with my now exhusband. In March of 2022, I received a letter stating that the judgement entered had been satisfied and nothing owed. In the past 2 years I have tried to get my credit to go up. Today I had my credit pulled and it still had Republic Finance LLC in collections. I called Republic Finance and the gentleman was able to find my information. He apologized and said the previous manager had coded my account wrong. My exhusbands account was coded correctly. 2 years of potential credit score increase wasted.

  Business response

  06/20/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 12, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21839643. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In her complaint, the Consumer disputes the way certain information regarding her Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer’s complaint and her statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

  Customer response

  06/21/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21839643, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  06/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i have to call the office to make a payment every single month, but my job makes it impossible to call them during the business work hours. they will not allow me to make payment online. they will not take payment over the phone after hours. i need to make payments but i need them to make it where i can make a payment after hours, instead of helping me in this they would rather sue me or make me pay late payment. im trying but they are making it very difficult. they call me multiple time during the day which i have told them i can not answer my phone during work hours, they call my family and harassing them over the phone. just let me pay online so i can get this paid off and not have extra fees

  Business response

  06/13/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 10, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers.  Please allow this to serve as Republic Finance's response to case #21824791.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. Additionally, Republic Finance’s Regional Vice President discussed the matter in detail on June 11, 2024 and reached a mutually agreeable resolution with the Consumer on June 11, 2024. Republic Finance considers this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  06/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Republic Finance has illegally filed a wage garnishment case number. *********** ********* **. GA FEDERAL LAW Prohibits Garnishments from all creditors. VA Pensions cannot be garnished.. They have violated federal law. They have been notified of this violation. Severe penalties will be imposed.

  Business response

  06/11/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 7, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21814121.  As requested by the BBB guidelines, I have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  The Consumer filed a complaint with a federal regulator, the Consumer Financial Protection Bureau (“CFPB”), regarding the same matter on May 24, 2024, which is substantially the same as this complaint that she filed with the BBB. As of the date of this response, the CFPB complaint has been closed. Republic Finance has completed an investigation of the complaint and has provided a response to that complaint with the CFPB on June 7, 2024.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  06/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had auto pay set up. and yes there was 2 times I did not have the funds since I was in the hospital and out of work. that ended in December of 2023. Since then the past 3 months they keep saying/sending me email that my auto pay failed. my bank confirmed they have no record of any ACH attempt. I reported this to Republic and they called me on 5/30/2024 @ 10:24AM and spoke with ***** (after filing a complaint and saying i would report this to the BBB. He told me they went ahead an canceled my auto pay and that I wouldn't be charged the processing fee going forward. I paid it yesterday, and got the invoice today and I was charge 2.95 for processing. I want my money back and any processing fees/late charges that were paid cause they have lied for 3 months and keep lying about my account.

  Business response

  06/11/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated June 3, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers.  Please allow this to serve as Republic Finance's response to case #21787482.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving his complaint, Republic Finance immediately investigated the statements made therein. Additionally, Republic Finance’s Regional Vice President discussed the matter in detail on June 6, 2024 and reached a mutually agreeable resolution with the Consumer on June 6, 2024. Republic Finance considers this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  05/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  05/31/2024 received call from ******* at the Paducah Location of Republic Bank requesting me to pay her an additional 18.00 towards my debt because the wage garnishment was incorrect. I currently have a wage garnishment to pay this debt and have no control on the amount that is taken from my check as I do not work in payroll.

  Business response

  06/11/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated May 31, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21784876. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving his complaint, Republic Finance immediately investigated the statements made therein. As a part of its investigation, Republic Finance’s Regional Vice President (“RVP”) attempted to contact the Consumer to discuss this matter, and to reach a mutually agreeable resolution, with the Consumer. Specifically, Republic Finance’s RVP attempted to reach the Consumer by telephone to discuss this matter on June 4, 2024, June 5, 2024, and June 10, 2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on June 11, 2024 to the Consumer requesting that she return our calls to discuss this matter in detail. As of the date of this response, the Consumer has not contacted Republic Finance.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  05/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Republic reported incorrect information on my credit report. Since 12/07/2022.I wasn't late the days they reported to the present. I believe since I was unable to pay the loan and settled with a Debt consolidation company a lower amount owed and Republic agreed to that settlement. $137.05 X 18 = $2466.90 paid and have a balance as of 06072024 of $959.35. Which is incorrect on Experian and Equifax reports. Also the days late ,should have been marked PP, Not 120, 150, 180 days late.

  Business response

  05/24/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated May 18, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21725107. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In his complaint, the Consumer disputes the way certain information regarding his Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer’s complaint and his statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the investigation of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  05/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've made several attempts, including with the credit bureaus, to get Republic Financial to update the credit bureaus with the most recent account status and payment history. This is including the fact that the account is paid in full. This is the case with my account and my wife's account. Republic Financial failure to timely update the credit bureaus is causing our credit scores to be artificially suppressed.

  Business response

  05/23/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated May 17, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21724825. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In his complaint, the Consumer disputes the way certain information regarding his Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer’s complaint and his statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

*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. ↩