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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

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Republic Finance, LLC has 302 locations, listed below.

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    Customer Complaints Summary

    • 167 total complaints in the last 3 years.
    • 64 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/17/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Never contacted by this company before and next thing I know I am being served with papers saying they are suing me.

      Business Response

      Date: 03/26/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated March 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 #21443876. 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 on numerous occasions. Specifically, Republic Finance’s RVP attempted to reach the Consumer by telephone to discuss this matter on March 18, 2024, March 25, 2024, and March 26, 2024 but was unsuccessful in his attempts. Republic Finance mailed a letter on March 26, 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

      Customer Answer

      Date: 03/26/2024


      Complaint: 21443876

      I am rejecting this response because:

      Sincerely,

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

    • Initial Complaint

      Date:03/14/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Trying to settle this $2530 balance on this account and republic finance isn't willing to discuss with me and then tells me to call attorneys office and they never return my phone call.

      Business Response

      Date: 03/18/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated March 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 #21429191.  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 March 14, 2024 and is in the process of reaching a mutually agreeable resolution with the Consumer. Republic Finance will continue to work with the Consumer until this matter is satisfactorily resolved.

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

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

    • Initial Complaint

      Date:03/06/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I took out a loan with this company in 2021. I was working and faithfully paying. I encountered health issues and fell behind on my payments. I lost my job and couldn't afford to pay anymore. I had not heard anything from the company, but I just started working and have received notation from my employer that my wages are being garnished. I reached out to the company with no answer. I received an email stating that I could make arrangements to settle the debt if I reached out by 3/15/2024. I called 3/6/2024 and I was told no offer exist and that the garnishment has already been filled. The issue I have is the amount as well as the form, in which they ask you for collateral but now they don't want the collateral you listed but money instead. Second, I don't like that I received a letter to reach out by 3/15/2024, but the garnishment had already been filed and scheduled to take my first check on 3/15/2025. Crazy part is that I just got this job. They couldn't locate where I live or call my phone, but they were able to locate a new employer to serve me with garnishment papers. This company needs to be looked into. Why file a garnishment order before the date on the offer letter came. I had no chance to reach out and get it taken care of and now she stated they want the whole amount. Now I have to file for a bankruptcy or risk not being able to feed my kids or provide shelter. This is a cold world.

      Business Response

      Date: 03/08/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated March 6, 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 #21393776.  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 8, 2024 and is in the process of reaching a mutually agreeable resolution with the Consumer. Republic Finance will continue to work with the Consumer until this matter is satisfactorily resolved.

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

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

      Customer Answer

      Date: 03/08/2024


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID 21393776, and find that this resolution is satisfactory to me.

      Sincerely,

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

    • Initial Complaint

      Date:02/27/2024

      Type:Billing Issues
      Status:
      Answered
      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 have an active loan with Republic Finance of Columbus, Ga and renewed the loan last year. The loan was renewed by using my 2010 Hyundai Elantra. They paid off an existing loan with a different company that the car was with which only had approximately 1,300 left on it. RP were eager to pay off that loan & renew my loan with them. Fast forward I inquired about the loan and what it would take to pay off to get the car title back. They informed me that I must pay the loan off in its entirety for the over 10k. I’m trying to understand why when only 2k was taken out for the vehicle. I pay my monthly bill & due to how much it is I can’t afford to pay any extra due to my insurance also went up almost double to have it used as collateral on the loan. I am not trying to get out of paying, I just want to get the correct amount to pay off for my car title. It is highway robbery and unethical to think someone can ever pay this company off.

      Business Response

      Date: 03/01/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated February 27, 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 #21349861. 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 February 27, 2024, February 28, 2024, and March 1, 2024 but was unsuccessful in her attempts. Republic Finance mailed a letter on March 1, 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

      Customer Answer

      Date: 03/04/2024


      Complaint: 21349861

      I am rejecting this response because:
      I have tried with no success to reach your office in Columbus, Ga. I have left  messages for Taylor even up until today after holding on for her. She tried to contact me on the 27th and I called her back. I understand she is extremely busy with in person guest. I just don’t want this issue closed without at least speaking with someone who can explain further my questions and concerns. 

      Sincerely,

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

      Business Response

      Date: 03/05/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated March 5, 2024 regarding Republic Finance, LLC’s (“Republic Finance”) response to Complaint Case #21349861. Please allow this to serve as Republic Finance’s response to the Consumer’s rebuttal to our response submitted to the BBB on March 1, 2024 regarding this matter.

      Republic Finance immediately investigated the Consumer’s rebuttal and her statements made therein. Republic Finance’s records show that on or about March 1, 2024, it mailed a letter under separate cover via Regular U.S. mail to the Consumer at the address she provided in her original complaint. The March 1, 2024 letter details the three separate attempts to contact the Consumer by Republic Finance’s Regional Vice President (“RVP”) and provides her contact phone number. The RVP is willing to discuss this complaint in detail and is awaiting a call back from the Consumer. Republic Finance will keep this complaint open until Friday March 15, 2024 to allow time for the Consumer to call the RVP. Republic Finance has no other information to provide regarding this matter until contact is made with the Consumer.

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

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

    • Initial Complaint

      Date:02/21/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      They advertise you can pay online. However they do not allow payments online always. They will make it to where you are unable to make your payment online. The only way you can make your payment is over the phone with a live person. Which I do not feel comfortable doing. I receive the loan with the understanding I can make my payments online. Which is not true if you are late at all. They lock your account so you have to basically miss work to make a payment. I have attached pictures of my account where there is nowhere to make a payment.

      Business Response

      Date: 03/06/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated February 21, 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 #21325108. 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 February 21, 2024 and February 28, 2024 but was unsuccessful in her attempts. Republic Finance mailed a letter on March 6, 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

      Date:02/20/2024

      Type:Billing Issues
      Status:
      Answered
      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 didn’t apply to this company for credit so this need to get removed from my file

      Business Response

      Date: 02/27/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated February 20, 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 #21318673. 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

      Date:02/14/2024

      Type:Billing Issues
      Status:
      Answered
      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 company is constantly calling my number. They have already filed a civil action suit so I do not understand why I keep getting harassing phone calls from them.

      Business Response

      Date: 02/23/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated February 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 #21293158.  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 cease calls regarding her account going forward. Upon receiving this complaint, Republic Finance investigated this matter immediately and removed the Consumer’s phone numbers from her account. Additionally, Republic Finance has notated the account to reflect her request that Republic Finance not contact her going forward regarding this debt.


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

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

    • Initial Complaint

      Date:02/01/2024

      Type:Billing Issues
      Status:
      Answered
      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 deeply troubled by the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This violates my privacy rights under 15 USC 1681 Section 602 and contradicts 15 USC 1681 Section 604 A Section 2 regarding the need for my written consent. The inaccurate reporting, especially in regard to payment history, breaches 15 USC 1666 B, causing significant financial and emotional distress. I request immediate rectification of these errors and a prompt resolution plan. Please address this matter urgently and rectify the inaccuracies associated with 181400005 Despite multiple attempts to resolve this issue with both the data furnisher and the credit bureau, proper protocol and procedure have been ignored in the requests for removal of inaccurate and fraudulent information. The burden of proof to deny my request has not been met, despite submitting multiple FTC reports, signed witness statements, and affidavits. I have provided sufficient information to prove my identity, and any request for more sensitive identifying information, considering my identity theft victim status, could contribute to further misuse. Continuation of denial infringes upon my federally protected rights under the FCRA, Fair Credit Billing Act, Truth in Lending Act, and Equal Credit Opportunity Act. Due to repeated denials without tangible proof or a sworn affidavit from the credit bureau, asserting legal proof that the items were not from identity theft, these items should be removed immediately, complying with the 5-day mandate of Federal Law.

      Business Response

      Date: 02/05/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated February 1, 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 #21231411.  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

      Date:01/31/2024

      Type:Billing Issues
      Status:
      Answered
      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 cashed a loan check by mail in April 2023. My payments were due on the 20th of each month. *********, called me about a week later to see if I wanted to change my payment date to the 1st since that is when I get paid, she said all I had to do was come in and sign a paper stating I wanted to do so. I told her no keep the date the same. I went on line a couple of days ago to make a payment and saw my payment was due on the 28th. I did not go in to sign anything asking for a date change. It also showed I had a 82.00 credit that should be more if I'm paying about 16,17 days early. This is not right. I have been doing business with Republic Finance for some time now. I guess it's time for me to think if I should continue.

      Business Response

      Date: 02/05/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated January 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 #21226704.  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 January 31, 2024 and is in the process of reaching a mutually agreeable resolution with the Consumer. 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

      Date:01/10/2024

      Type:Billing Issues
      Status:
      Answered
      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 obtained this loan 11/14/2022, the loan ammount was for 8025.00 at an interest rate of 35.99% for a 4 year term. The issue is there was some non transparency and I believe this is just general predatory banking and usury. The total loan on the $8025 comes out to $23,520. That is the equivalent of almost 300% interest. At the time of obtaining this loan it was explained to me that there were insurances included and was interpreted by me to mean included as in no fee. But they added another $4,132 in charges to the original $8025 plus a finance charge of a whopping $11,137, 150% of the amount borrowed. This is criminal and I can only imagine how many other people are in this debt trap. On top of all this there is no principal balance for the original loan ammount, I checked in for my loan payoff over the course of 2023 and the payoff remained at $9700 the entire year and remains as such. I cannot justify continuing to pay these people, I have already paid them $6000 and I would like for them to wave their absurd finance charge and insurance charges of almost $16,000 and just charge me the 35% interest on $8025 and let me pay them the last $2000 of the principle that should be remaining plus their $2800 in interest and go our separate ways.

      Business Response

      Date: 01/15/2024

      Dear BBB Complaint Department:

      Thank you for your correspondence dated January 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 #21113442.  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 state regulator, the South Carolina Department of Consumer Affairs (“SCDCA”), regarding the same matter on January 10, 2024, which is substantially the same as this complaint that she filed with the BBB. As of the date of this response, the SCDCA complaint is still open. Republic Finance is actively investigating that complaint and will respond to that complaint with the SCDCA.

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

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

    Republic Finance, LLC is NOT a BBB Accredited Business.

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