Business Profile

Loans

Republic Finance, LLC

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Republic Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

168 total complaints in the last 3 years.
65 complaints closed in the last 12 months.

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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:03/12/2025
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 writing a complaint from the business here in Huntsville Alabama. I called in January to report i was and needed to know my options for making payments forward on my account to not get behind I was told i can get a deferment or payment plan of 100.00 but know they say i owe 174 with an upcoming payment in march pending. I branch manager was disrespectful to me and degrading me over the phone when i needed help. I need to file a police report for aggressive language from said branch owner. I spoke with a supervisor who is trying to help but the branch manager is not responding to her and she is from the main office. to help get me a deferment option.the company is not trying to take responsibility of the actions and choice of words used towards me and not looking to help for me to get payments on my account. I need a higher up manager to help me during this time.
Business Response
Date: 03/20/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated March 12, 2025. 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 #23056702. 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 March 13, 2025, and reached a mutually agreeable resolution with the Consumer on March 13, 2025. 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
Customer Answer
Date: 03/26/2025

Complaint: 23056702

I am rejecting this response because: I have not gotten a response and needs meet with this company. they continue to not response to emails, phone, or letter on the portal.

Sincerely,

****** *******
Business Response
Date: 03/31/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated March 26, 2025 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint Case #23056702. Please allow this to serve as Republic Finance’s response to the Consumer’s rebuttal to our response submitted to the BBB on March 20, 2025 regarding this matter.

Republic Finance immediately investigated the Consumer’s rebuttal and her statements made therein. Additionally, a Republic Finance Regional Vice President discussed the matter in detail on March 27, 2025, and confirmed with the Consumer that she had agreed to a mutually agreeable resolution on March 13, 2025. The Consumer stated that she confused our response with another lender. 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
Date:03/04/2025
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.
Republic Finance will not let me make a payment back in January because they said I missed one month which was December one issue that happenedwith them when they wrote down the incorrect numbers of my checking account number so they did not deduct my payment for November so that was their side that was their fault After finding out on my own that they have filed to garnish my wages because I didn’t make a payment I had to make all phone calls. I talked to the court and I talked to the Board Of Education to see what was going on and nobody called me. Nobodysent me some email. Nobody sent me a letter from their company saying that they were going to go to my wages Republic Finance did not contact me. They said they called but I never answered. I do not answer spam calls that is not. I don’t do that. I don’t answer anybody that does not That I do not recognize. They did not leave a message for me to call them so finally, we work things out. I paid $460 is three payments December January and February so I called today to make a payment and they said no they were gonna take a payment becauseI have to pay for the court Fee Which was due to them having to file papers to garnish my wages for the recent problem. I’m very unhappy with this business and the way they things they do not contact you and their way of fixing things is just not even does not make sense. They’re very rude people They do not contact you about anything you have to find out on your own. I don’t like the way they run their business.
Business Response
Date: 03/17/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated March 4, 2025. 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 #23004124. 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."

In her complaint, the Consumer states that she has requested Republic Finance reverse a wage garnishment filed and to waive the court cost taken out of a payment made. Republic Finance immediately investigated the Consumer’s complaint, and her statements made therein. Republic Finance has honored the Consumers requested desired settlement 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 Answer
Date: 03/17/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23004124, and find that this resolution is satisfactory to me.

Sincerely,

****** *********
Initial Complaint
Date:02/21/2025
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.
Pursuant to 15 U.S. Code § 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code § 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.
Business Response
Date: 03/04/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated February 21, 2025. 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 #22971283. 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 his 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 investigation of this matter.

If you have any questions or additional information, please feel free to contact me.

Sincerely,
**** *****
Compliance Supervisor
Initial Complaint
Date:02/05/2025
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.
Beginning in August of 2024 for several weeks I called in order to get a settlement amount, the branch manager tried herself and eventually got on in October. At this point my consolidation had expired and I asked if they would be willing to break it down into payments. She advised that isn’t normally how it’s done and told me to contact the 1-833 number. As always, never able to speak with someone on the phone and was directed to email the lady over my account in collections. The branch told me I had until the end of November. December 2, I contacted the branch ti make a payment and was advised they could not take any payments from me and I had contact the number above. Tried several times via email and phone. December 20 I received a letter from an atty. I contacted their office and was told to call the branch. I did and again was referred to the main line. Again no response. January I advised Ms. Bush that I had mailed 2 payments and they haven’t been cashed. She responded with the main number and told me not to mail anything to her being she is remote employee. I asked her to advise the branch due to receiving the letter and they were unable to speak to me, again no response. I called the attorneys office and was told that the suit had been filed due to not hearing from me. The branch states that there’s no record of me speaking to the or no copies of emails to the main branch and that i huge contradicting information when in fact it’s their office doing all of this. I asked that they pause the suit even after providing emails of contact to try to resolve and they have refused and basically don’t care if I get fired oor not. This is embarrassing and I’m not sure what else to do.
Business Response
Date: 02/12/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated February 5, 2025. 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 #22900184. 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."

In her complaint, the Consumer states that she has requested Republic Finance to make a settlement agreement offer and suspend legal action. Republic Finance immediately investigated the Consumer’s complaint, and her statements made therein. Republic Finance has honored the Consumers requested desired settlement 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 Answer
Date: 02/12/2025

Complaint: 22900184

I am rejecting this response because suit was filed against me. The matter has been taken care of with their attorney. However, due to the fact that I was unable to get a response within a timely manner and the Alexandria location did not provide sufficient information to their attorney as requested. Due to this, a suit was filed and is now public knowledge and I do not like the fact that my personal business can now be obtained. It was embarrassing and could have put me at financial risk. The damage has been done not only mentally but also to my credit and/or credit worthiness. None of the communication was recorded on my end with the company and they have my case viewed as non - compliant; which has been reported to other businesses.

Sincerely,

***** *********
Business Response
Date: 02/12/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated February 12, 2025 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint Case #229001884. Please allow this to serve as Republic Finance’s response to the Consumer’s rebuttal to our response submitted to the BBB on February 12, 2025 regarding this matter.

Republic Finance immediately investigated the Consumer’s rebuttal and her statements made therein. Republic Finance has already provided a final response to this matter. Additionally, 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 has mailed 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
Customer Answer
Date: 02/20/2025

Complaint: 22900184

I am rejecting this response because had Republic Finance followed proper protocol, this issue wouldn’t even be in existence. This matter is no longer in active litigation; therefore, I would appreciate you honoring my wishes.

Sincerely,

***** *********
Initial Complaint
Date:01/31/2025
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.
Re:Acct: 138-5752-20485 Republic Finance Settlement Agreement and Terms(1/03/2025) Dear BBB: In reference to this account, original balance of $9922.00 as of 4/2022. This account had been paid on time prior to this date. I lost my spouse and I fell into hard times. This account was given to a debt relief company but they failed to settle in a timely manner, so II released them from handling on 12/20/2024, plus I was told I should try and reach out to Republic Finance for settlement. I did numerous times, Many calls back and forth. I even contacted the collection agency who they gave it to but no longer had it because it was too old plus they were not able to reach me personally because I had relocated and gotten a new job and they tried reaching out many times to the relief program that was handling my case, did nothing to work with them. I only been told this recently 12/2024 by ****** ****, ******* ***********. So I wanted to resolve this matter and that is why I made many efforts to resolve because I don’t want to end up in court down the road dealing with this matter. So on 1/2/2025, I sent Republic Finance explaining my situation and me settling this debt. On 1/3/2025, around 2:30pm, I saw that ****, Republic Finance Settlement Supervisor had saw my 1/2/2025, email and wanted me to call her and I did around 2:57pm in 1/3/2025. She was very empathetic to my needs and request to settle. She never mentioned the balance but as I held on to phone call, she was saying let me take off these fees. Equifax was saying balance owed $16,041, online website is saying $9047.00 and past due amount $9,385.00, (original balance $9922.00). When she finished she said they will settle with $4,985.00, which is half of the original balance and not $16,041(interest) was added because of non payment!. I was so relieved and grateful that she did this, Agreement is pay for 18 months at $276.95 starting 2/15/2025. She would send out today 1/3/2025. As of today has not received!
Business Response
Date: 02/10/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated January 31, 2025. 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 #22882274. 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."

In her complaint, the Consumer states that she has requested Republic Finance to honor a settlement agreement offer and provide a copy of the settlement agreement to her. Republic Finance immediately investigated the Consumer’s complaint, and her statements made therein. Republic Finance has honored the Consumers requested desired settlement 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 Answer
Date: 02/11/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 22882274, and find that this resolution is satisfactory to me.

Sincerely,

****** ********
Initial Complaint
Date:01/30/2025
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.
REPUBLIC FINANCE ************** Balance: $5,894.00 REPUBLIC F ********** Balance: $5,417.00 As per IRS regulations, a canceled debt of $600 or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company's actions are in clear violation of the Fair Credit Reporting Act (FCRA), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding the ******** **** ** ******* accountable for willful noncompliance under 15 USC 1681n(a)(1)(A). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.
Business Response
Date: 02/03/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated January 30, 2025. 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 #22872796. 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 welcome 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
Customer Answer
Date: 02/10/2025

Complaint: 22872796

I am rejecting this response because:

Sincerely,

******** ***** ******
Initial Complaint
Date:01/27/2025
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.
Republic Finance received my check for a payment on a Loan in their after hours drop box and never deposited it. I received an email indicating my payment was going to be late I went to the local office, they HAD MY CHECK. I informed them I received a late notice, they apologized and said they got my check in the drop box but it was misplaced because of the 'Holidays'. I completely lost trust with them so I paid off the entire balance of this loan and they gave me the check from November that I had placed in the drop box back. They then reported me being late and my credit score took a 60 point hit.
Business Response
Date: 02/10/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated January 27, 2025. 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 #22863007. 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 her 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 has honored the Consumers requested desired settlement 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
Date:12/26/2024
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.
Dear BBB Representative or To Whom It May Concern, I am writing to file a formal complaint regarding Republic Finance's inaccurate and misleading reporting practices on my Experian credit report. Below are the details of the account in question: Creditor Name: Republic Finance Account Number: ************* Original Balance: $2,073 Current Status: Charged Off and Past Due Issue: The account is being reported as "charged off" while simultaneously reflecting a "past due" balance of $1,898. This dual reporting is inconsistent with the Fair Credit Reporting Act (FCRA), which mandates that information furnished to credit reporting agencies be accurate, complete, and not misleading. Additionally, since the account was charged off in June 2019, I should have received a 1099-C (Cancellation of Debt) form for tax purposes. To date, I have not received this form, which further suggests irregularities in Republic Finance's handling of this account.
Business Response
Date: 01/07/2025
Dear BBB Complaint Department:

Thank you for your correspondence dated December 26, 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 #22730170. 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 December 21, 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 is still open. Republic Finance is actively investigating that complaint and will respond to that complaint with the CFPB.

If you have any questions or additional information, please feel free to contact me.

Sincerely,
**** *****
Compliance Supervisor
Initial Complaint
Date:12/17/2024
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.
Republic Finance stole around $600 from me through overcharged interest rates. Each month they added an additional $20 to my account for the 3 years which comes to the previous stated total. When you log in to your account each month, the only thing it shows is the amount you owe minus an interest rates, etc. Each time I called to inquire about this, all management would say is they did not know why this is all that was showing each month. They denied this was happening, but I kept my own records and then asked them about the additional $20 each month and one manager said it was interest. I explained to him again that I could not really see what was happening with my account. Each time I inquired, I received a different answer.
Business Response
Date: 12/17/2024
Dear BBB Complaint Department:

Thank you for your correspondence dated December 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 #22694710. 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 December 16, 2024, which is substantially the same as this complaint that he filed with the BBB. As of the date of this response, the CFPB complaint is still open. Republic Finance is actively investigating that complaint and will respond to that complaint with the CFPB.

If you have any questions or additional information, please feel free to contact me.

Sincerely,
**** *****
Compliance Supervisor
Customer Answer
Date: 12/17/2024

Complaint: 22694710

I am rejecting this response because it does not matter.

Sincerely,

******** ****
Initial Complaint
Date:12/11/2024
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.
The loan in question was charged off, and as per standard reporting practices, it should appear on my credit report as a charge-off only for the month in which it was charged off. However, the company has been reporting that this account has been reported as a charge-off every single month for the past three years. This repeated reporting is incorrect and does not comply with established credit reporting guidelines. In addition they will not give me the 1099-C showing that the account as been charged off and I have been contacted by a collection agency. (Please see the attached)
Business Response
Date: 12/17/2024
Dear BBB Complaint Department:

Thank you for your correspondence dated December 11, 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 #22674261. 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 December 10, 2024, which is substantially the same as this complaint that she filed with the BBB. Republic Finance responded to the CFPB complaint on December 16, 2024. Republic Finance has completed an investigation and mailed a letter under separate cover detailing the results. Republic Finance considers this matter closed.

If you have any questions or additional information, please feel free to contact me.

Sincerely,
**** *****
Compliance Supervisor

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Republic Finance, LLC is NOT a BBB Accredited Business.