ComplaintsforRepublic Finance, LLC

• Initial Complaint

  07/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never applied for a loan with this company. My identity had been compromised and a loan of $8127 was allowed to be opened in my name. Now my credit is suffering. I will be filing paper work with the ftc, police and refuting this on my credit report. They need to correct this fraudulent loan that was created in my name.

  Business response

  08/07/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 28, 2024. It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent service to our customers and we welcome the opportunity to address their concerns.  Please allow this to serve as Republic Finance’s response to Complaint Case #22055337.  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.”
  
  Republic Finance is committed to helping our customers who may be victims of identity theft or fraud and takes its obligation to protect consumer information from identity theft, fraud, and unauthorized access very seriously. Upon receiving the Consumer’s complaint, Republic Finance immediately investigated the matter and took appropriate action. Republic Finance is mailing a letter under separate cover to the Consumer regarding the resolution of this matter. 
  
  If the Consumer would like to have his name and contact information removed from the marketing lists of the credit bureaus so that she does not receive pre-approved offers of credit from other companies, he can contact each of the three major credit bureaus and request that his name and contact information be removed. The credit bureaus may be contacted as follows: (1) by telephone – at 1-888-567-8688 to request removal, or (2) by letter – write to the following addresses to request removal: Experian, Inc., P.O. Box 919, Allen, TX 75013; TransUnion, TransUnion Removal Option, P.O. Box 505, Woodlyn, PA 19094; Equifax, P.O. Box 740123, Atlanta, GA 30374-0123.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Dispute of Fraudulent Account Reported by Republic Finance Dear Experian, I am writing to formally dispute a fraudulent account that is currently being reported on my credit report by Republic Finance. This account is not mine, and I believe it to be the result of identity theft. The details of the fraudulent account are as follows: Creditor Name: Republic Finance Account Number: 119267XXXXXXX Date Reported: September 07, 2017 Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons: Inaccuracy: The account listed does not belong to me, and I have never had any dealings with this creditor. Identity Theft: This account was opened fraudulently using my personal information. To support my dispute, I have enclosed the following documentation: I request that Experian conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify Republic Finance of the deletion of the account from my credit report. If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. Sincerely, ********* *********

  Business response

  08/01/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 28, 2024. It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent 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 #22054595.  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.”
  
  Republic Finance immediately reviewed the Consumer’s statements made therein. Under the Fair Credit Reporting Act (“FCRA”), Republic Finance is obligated to investigate credit disputes that are complete and meet certain requirements.  According to the FCRA, a dispute notice is complete when it is submitted in writing directly to the creditor (i.e., not through a private, non-profit organization such as the BBB) and includes the following: (1) sufficient information to identify the account in dispute (e.g., consumer's full name, address, telephone number, and account number); (2) the specific information that is being disputed and an explanation of the basis for the dispute; and (3) all supporting documentation or information to substantiate the dispute, to the extent available (e.g., a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court order, or account statements). Therefore, Republic Finance has determined the Consumer’s credit dispute is incomplete because it does not meet all of the three afore-mentioned requirements.  If the Consumer has any additional information to satisfy the requirements set forth above, she is welcomed to submit a complete dispute notice directly to: Republic Finance, LLC, Attn: Credit Dispute Team, 7031 Commerce Circle, Suite 100, Baton Rouge, LA 70809-1394.  Upon receipt of the Consumer’s complete dispute notice, Republic Finance will investigate the dispute, correct any inaccuracies that may be discovered, and report back to her.
  
                If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was lied to, misled multiple times by the people in this office, the first time they served me, I was told as long as I paid $75 a month, they wouldn’t file legal, yet they did. Time pass by, I continue to pay the $75, and I receive a paper regarding a garnishment. I call the same day and speak to ****, I explained to her how I could not financially afford the garnishment, she says nothing can be done due to the legal team already filing, and this was a lie because ******** the manager stated, it could’ve been stopped that day. I worked with ******** on 7/17 she tells me yes, I can try to get processed for $35, I say okay, I had to go &my card, I call back, and **** says no she meant $75, another lie, I am not pleased with my experience at all as I have always been on time prior to experiencing two layoffs while caring for my special needs son. I don’t understand why people try to make it harder for people already having a hard time as it is. I need my $75 back, I can’t afford to pay that plus a garnishment. & I don’t want to work with **** regarding my help because if helping is an option on the table why wasn’t it done?

  Business response

  07/25/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 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 #22008250.  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 July 23, 2024 and reached a mutually agreeable resolution with the Consumer on July 23, 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

  07/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My wages were garnished on a debt that I owed Republic Finance in the amount of $3,609.77 and by wages were garnished starting 10/06/2023. Since then I have paid off my debt and Republic Finance claims they have not received a check from the court on my balance and can not mark it as paid. I have made several attempts to get this resolved but have been unsuccessful. It is still showing that I have not paid this debt on my credit report and that is incorrect. I am asking to have this looked into so that my account can report accurately. This has been ongoing since the beginning of this year.

  Business response

  07/23/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 16, 2024.  It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent 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 #21997423.  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 this complaint, Republic Finance immediately investigated the Consumer’s statements made therein.  Republic Finance has confirmed with the BBB that the Consumer’s complaint and desired resolution are outside the BBB’s purview due to the fact that it pertains to a matter allegedly involving active litigation. Republic Finance is mailing a letter under separate cover to the Consumer in response to this complaint and considers this matter closed.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In May of 2021 I took out a loan with republic finance. In December of 2021 I paid off the loan. My loan officer, *****, did not apply my funds to pay off my loan. She called multiple times over the years only to ask me if I needed more money. In July of 2022 ***** called to see if I needed more money and to let me know that I wouldn’t have to start repaying my current loan until December 2023. When I told her that loan was payed off she said no I had a balance of 100 dollars that accrued interest all that time. When I asked her why was I never told this or notified all the times I spoke to her. She said she spoke with me about it the previous week, which was a lie because I was in CCU with a hemorrhagic stroke. I could not even look at my phone much less use it. When December came around and they wanted me to start to pay them again I received a flyer like bill that said I owe 230 dollars. There was nothing else on it. I called her to tell her that I wanted a detailed report on my loan and my payments. I wanted to know how much they are saying I owe. She immediately turned it over to a bill collector. I told him the same thing to no avail. I received a court document then a judgement against me for as much as I originally borrowed. I was never made aware of the court date and never given the option to dispute it. She expedited my case and rushed into court before I had a chance to do anything about it. She basically stole my money and is still stealing it on my opinion.

  Business response

  07/18/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 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 #21968568. 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 July 12, 2024, July 16, 2024, and July 17, 2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on July 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

  07/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have dealt with incompetence with republic finance at there’s Round Rock,Texas location for months now. I have been unemployed and did everything I was told!!! I’m following the procedures with the insurance I’ve paid for with the account. Initially I was told a different procedure as one employee left, they did not pass the information on to the proceeding manager and I was belittled and accused of wrong doing. I spoke to the regional manager who claimed to “ straighten” everything out. I have now moved and contacted to have my address changed and it was not. With that being said I still filled out the rfget portion. Which is at the least supposed to freeze my loan until the insurance reacts. I was just informed that I was late. This is infuriating as I have been constantly complaining about the time it takes the company to react. It is now on my credit report which is now a false report and a breach of contract. I will be securing legal counsel for my next steps not only with the fraudulent late claim but also with stress,racism, and emotional and psychological damage I have endured.

  Business response

  07/15/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 8, 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 #21953162.  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 July 11, 2024, and reached a mutually agreeable resolution, with the Consumer on July 11, 2024. Republic Finance mailed a letter under separate cover to the Consumer on July 15, 2024 regarding the resolution. Republic Finance and the Consumer consider this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am filing a complaint against company for inaccurately reporting an account on my credit report. The account was listed without my authorization or verification. Despite my efforts to resolve this issue directly with the company, they have not responded or provided verification, violating the Fair Credit Reporting Act (FCRA).

  Business response

  07/16/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 2, 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 #21928816. 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

• 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

*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. ↩