Complaints

This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Community Choice Financial, Inc.

  5165 Emerald Pkwy Ste 100 Dublin, OH 43017-1063

  
• 

  Community Choice Financial, Inc.

  801 Hebron Rd Heath, OH 43056-1357

  
• 

  Community Choice Financial, Inc.

  842 Delaware Ave Marysville, OH 43040-1724

  
• 

  Community Choice Financial, Inc.

  1301 E Main St Lancaster, OH 43130-4005

  
• 

  Title Max of Delaware

  3401 Kirkwood Hwy Wilmington, DE 19808

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:04/10/2025

  Type:Service or Repair 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.

  I had a title loan through title max, all my loans interest had been paid up until February 24,2025, when I paid off my loan in full. Immediately after paying that loan off via the app I called the company and they acknowledged it was in fact paid off and said it could be a couple of weeks before I had received my title back. Come March 26,2025 I called again because I had not received word. They stated they had sent the paper work to Atlanta and it could be any day. It’s now April 10, 2025, I’ve contact the state of GA and they said they have not received anything from the company releasing the lien on my vehicle which is why I have not received anything. I want them to release the lien and provide me with my title as promised.

  

  Business Response

  Date: 04/14/2025

  ****************
  
  Thank you for the opportunity to respond to the complaint filed by ***** ****** (Complainant). TitleMax of Georgia, Inc., DBA TitleMax, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they had a title loan through TitleMax and paid off the loan on February 24, 2025. They request the release of their lien and to be provided with the title.
  
  It should be noted that contrary to the Complainant’s statement of receiving a “loan,” TitleMax operates as a pawnbroker in accordance with Georgia law and does not issue loans.
  
  A review of TitleMax records revealed that on January 20, 2021, the Complainant obtained a pawn in the amount of $640.25 at a storefront in Hinesville, GA. The Complainant granted a security interest in a 2007 Nissan Pathfinder with a VIN ending in ******. The pawn was contracted to be repaid in full in the amount of $736.22, due February 19, 2021. On January 31, 2021, the Complainant made a payment of $35.19 and refinanced their existing pawn of $640.25, borrowing an additional $275.00. The pawn was contracted to be repaid in full in the amount of $1,043.29, due March 2, 2021.
  
  Between March 1, 2021, and February 1, 2025, the Complainant refinanced their pawn on twenty-six (26) more occasions, borrowing an additional $575.00 total. The final refinance was completed on February 1, 2025, in which the Complainant made a payment of $128.61 and refinanced their existing pawn of $907.80. The pawn was contracted to be repaid in full in the amount of $1,021.28, due March 3, 2025. Payment history indicates that on February 24, 2025, the Complainant made a payment of $1,021.28, paying off the remaining balance of the pawn.
  
  Regarding the Complainant’s request for a lien release and the return of their title, TitleMax has confirmed that the lien has been released, and the title is available for pick up during business hours at the store they originated the pawn. For any additional questions regarding pick up the Complainant may contact the local store front directly at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

  Customer Answer

  Date: 04/18/2025

  As of 4/18/25 0945 EST I received my title from the local branch. 

• Initial Complaint

  Date:04/08/2025

  Type:Service or Repair 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 had a title loan with TitleMax and I became late on my first payment due to unfortunate circumstances that was out of my control so therefore they came to repossess my truck. They came and got my truck without my knowledge and I was unable to get my property from the vehicle when they did so. Just because I was late making a payment and my truck was repossessed there was no reason for my belongings inside the vehicle to be destroyed. I had tools that consisted of two ******-Cable drills one a regular drill and one a driver drill they come in a set which was $219 plus tax. I also had a I think it was 141 piece hyper tough tool set that was $39.97 plus tax. And then I had a angle grinder that was brand new I just had purchased it it was $64.99 plus tax. And also had some other tools hammer and a few other things it's ratchet straps that I just purchased and they were also ruined. Each of these tools were left on the back of my truck and I tote they were taken from the front and putting in a tote on the back of my truck to be destroyed. They were sitting in water. I believe that since my tools were destroyed and it was not my fault I believe I'm entitled to compensation for these. There is no reason for my belongings to be removed from the front of my truck and put on the back. My truck was repossessed on Wednesday night and I spent all day coming up with the payment to get my truck back. I went Friday morning and made the payment and received my release for the vehicle. I called several times trying to get my vehicle back and no one could find my truck and finally they called the tow yard that towed my truck and they had my truck. Either way my belongings were destroyed and I need my money for my tools that were destroyed. The amount of the tools is an estimate. These tools were not garbage. These tools I used to work with now what am I supposed to do?

  

  Business Response

  Date: 04/11/2025

  April 11, 2025
  
  Better Business Bureau
  **************************************
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant).TitleMax of *************, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states their vehicle was repossessed without their knowledge after failing to make their first payment on time. They claim that they discovered various tools were destroyed from water damage upon picking up their vehicle and request money for the tools to be replaced.
  
  It should be noted that contrary to the Complainants statement of receiving a loan, TitleMax operates as a pawnbroker in accordance with Georgia law and does not issue loans.
  
  A review of TitleMax records revealed that on January *******, the Complainant obtained a **** in the amount of $1,018.00 at a storefront in *******, **. The Complainant granted a security interest in a 1999 **** F150 with a VIN ending in A79621. The **** was contracted to be repaid in full in the amount of $1,221.50, due February 15, 2025. When the payment was not made on February 15, 2025, the **** entered a past due status and due to continued non-payment, the vehicle was recovered on April 3, 2025.
  
  On April 4, 2025, the Complainant made a payment of $400.00 to redeem their vehicle and refinanced their existing **** of $998.75. The **** is contracted to be repaid in full in the amount of $1,153.52, due May 4, ******* of the date of this response, the Complainants **** is current.
  
  It is important to note that at the time of origination and refinance, the Complainant signed a **** Transaction Disclosure Statement and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and **************** addition,the agreement states: Default and Grace ******* Additional Charges: If you choose not to redeem the Vehicle on or before the Maturity Date or extend the Maturity Date as provided in Section 5, then you will be in default. Upon default, Pawnbroker may take possession of the Vehicle.
  
  Further, the signed agreement also contains the following disclosure:
  
  This is a **** transaction. Failure to make your payments as described in this document can result in the loss of the pawned item. The pawnbroker can sell or keep the item if you have not made all payments by the specified maturity date. Failure to make your payment as described in this document can result in the loss of your motor vehicle. The pawnbroker can also charge you certain fees if he or she actually repossesses the motor vehicle.
  
  TitleMax views recovery as a last resort. Regarding the Complainants statement that their vehicle was repossessed without their knowledge, when no payment was made, nor was the **** refinanced, the Complainant defaulted on the ****. By signing the agreement, the *********** acknowledged their understanding of the terms and conditions of the agreement,including the companys right to recover the vehicle due to nonpayment. In addition, multiple attempts to contact the Complainant were made regarding repayment prior to repossession, however, our calls were left unanswered and messages unreturned.
  
  Please note, TitleMax uses an unaffiliated third-party recovery vendor, Insurance Auto Auction (IAA), to facilitate the recovery and auction of vehicles. Regarding their allegation of damage occurring to various tools, the vehicle was recovered by ***, and not while it was in TitleMaxs possession. Any recourse the Complainant may have will be with the recovery vendor. We encourage the Complainant to direct their damage claim to Insurance Auto Auction reachable at **************.
  
  TitleMax believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern with the recovery of the vehicle. The Complainant may contact TitleMax directly at ************** for any other questions regarding their account.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
  
  Sincerely,
  
  BSG Consumer Complaints
  PO Box 550
  ******************

  Customer Answer

  Date: 04/12/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23178492
  
  I am rejecting this response because: Titlemax repossessed my vehicle that is a fact. When doing so they also took possession of my tools that I use to work with daily. I understand the contract that I signed completely. My tools were not on the repossession list. Only my vehicle was to be repossessed. I should have been allowed to retrieve my belongings from the vehicle before it was hauled off. I also paid to have my truck released on a Friday and I did not get my truck back till the following Tuesday. I should have immediately been able to get my truck back. When I called to see about getting it they could not find my truck. Supposedly it was still at the impound lot of the ones who towed my truck to begin with. What I'm getting to is when TitleMax had my truck repossessed they also repossessed my belongings that were in the truck. My belongings should have never left according to the contract only my truck was to be repossessed. So I don't think that *** is responsible for my tools, TitleMax is. *** would have never had to deal with my tools if Titlemax would have only taken my truck and not my tools. That left *** to have to deal with my belongings because Titlemax took my truck with my belongings. Without my tools I can't work and I was out of work because I failed to make my payment on time, yes that's my fault. And it is my fault my truck was repossessed. What is not my fault is my tools coming back to me on the back of my truck after being removed from the inside of my truck and sitting in a plastic tote full of rain water. Now when you have power tools the operate on battery and they sit in water, they no longer work. Now what am I going to work with? That's right you guessed it, I don't. Now I believe that I should have my tools replaced by Titlemax. Thank you for reading and I hope this comes to a resolution ASAP so I can get back to work so I can pay my truck off and put all this behind me. 

  
  Regards,
  
  ******* *****

  

  Business Response

  Date: 04/15/2025

  
  April 15, 2025
  
  Better Business Bureau
  **************************************
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ******* ***** (Complainant). TitleMax of *************, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states various tools were damaged during repossession due to water damage. They state that despite paying to get their vehicle on a Friday, they were unable to get their vehicle until Tuesday.
  
  TitleMax uses an unaffiliated third-party recovery vendor,Insurance Auto Auction (IAA) to facilitate the recovery, and auction of vehicles, as well as conducting an inventory of items. Regarding the allegation of damage occurring to various tools, as stated in our previous response the vehicle was recovered by ***, and not while it was in TitleMaxs possession,any recourse the Complainant may have will be with the recovery vendor. We encourage the Complainant to direct their damage claim to Insurance Auto Auction reachable at **************.
  
  Regarding the Complainants statement of not being able to get their vehicle the same day of payment, please note that appointments are made by availability, and *** is closed on weekends. Once the vehicle arrived on *** premises on April 7, 2025, the Complainant was able to book an appointment the following day to retrieve their vehicle.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
  
  Sincerely,
  
  BSG Consumer Complaints
  PO Box 550
  *******************

  Customer Answer

  Date: 04/17/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23178492
  
  I am rejecting this response because: If *** took possession of my vehicle on April 7 2025 then my car was at the repo yard of the repo man that took possession of my vehicle and held it all weekend. Therefore Titlemax is responsible for my stuff being ruined. I don't know why it is such a problem to have to replace my tools. I work with these tools and I would appreciate if Titlemax would replace them. My stuff was put on the back of my truck by the tow truck driver and left in the rain all weekend. If you check and see it rained pretty much all weekend and it never rained when *** had possession of my truck. Titlemax should have never took my tools with the truck to begin with. It states in the contract that Titlemax should take possession of the vehicle and not my belongings inside the vehicle. We were home when they repossessed my truck and know one knocked on my door and told me they were even taking it. Thank you. 
  
  Regards,
  
  ******* *****

• Initial Complaint

  Date:04/05/2025

  Type:Customer Service 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.

  On March 28th, 2025 I submitted a settlement payment of $3,500 to Title Max Repossession Dept. in order to retrieve my vehicle back that was towed due to the Lien Titlemax had on my vehicle. I made the payment and picked up my vehicle on April 1, 2025. As of today, post 8 days since payment, Titlemax not only still has a lien on my title and is NOT following the law by releasing themselves off of my Eletronic car title but they are also transferring me to several internal departments who are blaming each other for why my account is still in repossession status after payment was made in addition to refusing to lift the electronic lien on my vehicle.

  

  Business Response

  Date: 04/08/2025

  **********
  
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). TMX Finance of Florida, Inc., DBA InstaLoan, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states the lien had not been released on their vehicle even though they made a settlement payment eight (8) days ago. The Complainant requests the removal of the lien on their electronic title immediately.
  
  A review of InstaLoan records revealed that on June 19, 2024, the Complainant obtained a loan in the amount of $2,832.43 at a storefront in Miami, FL. The Complainant granted a security interest in a 2016 BMW X1 with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $2,926.50, due July 19, 2024. On July 26, 2024, the Complainant made a payment of $367.87 and refinanced their existing loan of $2,574.75. The loan was contracted to be repaid in full in the amount of $2,917.07, due August 25, 2024.
  
  On August 30, 2024, the Complainant made a payment of $353.79 and refinanced their existing loan of $2,574.75. The loan was contracted to be repaid in full in the amount of $2,931.83, due September 29, 2024. The third and final refinance was completed on September 14, 2024, in which the Complainant made a payment of $219.51 and refinanced their existing loan of $2,574.75, borrowing an additional $1,009.00. The loan was contracted to be repaid in full in the amount of $4,017.28, due October 14, 2024.
  
  When the payment to refinance or pay the loan in full was not made on October 14, 2024, the loan entered a past due status. Due to continued non-payment, on March 14, 2025, the vehicle was recovered and a Notice of Our Intent to Sell was mailed to the address on file the same day. On March 19, 2025, the Complainant agreed to settle the account in the amount of $3,500.00 to be paid by March 29, 2025. The Complainant paid the total settlement amount in two (2) payments on March 28, 2025, and was able to retrieve their vehicle on April 1, 2025.
  
  To address the Complainant’s concern regarding the lien release, the lien was released electronically on April 7, 2025. For any additional questions regarding their account, the Complainant may contact InstaLoan directly at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ****************************.
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

  Customer Answer

  Date: 04/08/2025

  the lien is still on my title. Today makes 11 days since payment made. Lien still shows I have been hindered a great deal by losing 2 buyers for my vehicle because this business Failed horribly in turnaround time and procedure for when a vehicle is released. In addition I have waited almost days for manager or supervisor to call after being hung up on by incredibly rude staff. Aftwr waiting on hold for 35 minutes to get a Rep on , *** in the Repo department decided to hang up on me because he simply “did not like my tone” I asked for his manager to call me Still never got a call. Unprofessional and now just making me lose money on car sale. 
  Regards,
  
  ******* *****

• Initial Complaint

  Date:04/01/2025

  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 made a payment arrangement with the cooperate office for March 28th and April 4th. On March 29th after my portion of the payment was made my vehicle was repossessed. When I called the home office today I was informed it was because they hadn't received all of March's payment and they had the option to repossess even though they had made a prior arrangement.

  

  Business Response

  Date: 04/04/2025

  **************
  
  Thank you for the opportunity to respond to the complaint filed by ******* ******** (Complainant). TitleMax of South Carolina, Inc., DBA TitleMax, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they made a payment arrangement with the corporate office to pay on March 28, 2025, and April 4, 2025. However, they paid on March 29, 2024, and then their vehicle was still repossessed. They claim they were told it was because they did not pay all of March’s payment. They request a billing adjustment.
  
  A review of TitleMax records revealed that on July 1, 2024, the Complainant obtained a loan in the amount of $7,365.00 at a storefront in Aiken, SC. The Complainant granted a security interest in a 2017 Mitsubishi Outlander Sport with a VIN ending in ******. The loan was contracted to be repaid in forty-seven (47) monthly payments of $1,129.31 beginning August 15, 2024, with a final payment of $1,122.81, due July 15, 2028.
  
  Payment history indicates there have been thirteen (13) payments equaling seven (7) installments made on the loan. Throughout the course of the loan, the Complainant has been consistently late in making their installments as scheduled. As of the date of this response, the Complainant is still in default for the March 2025 payment.
  
  It is important to note that at the time of the loan origination, the Complainant signed a Supervised Loan Agreement, Promissory Note and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and Regulation Z. By signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan.
  
  To address the Complainant's statement of having a payment arrangement prior to repossession, on March 24, 2025, the Complainant agreed to a promise to pay of $1,500.00 to be repaid on or by March 28, 2025. The Complainant did not make a payment on March 28, 2025, and instead made a payment of only $647.93 on March 29, 2025, less than the agreed upon amount.
  
  As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing regarding the repossession, no billing adjustment will be provided at this time. TitleMax strives for excellent customer service and remains willing to work with the Complainant to assist in paying back their loan. We encourage them to contact the Customer Preservation team at ###-###-#### as soon as possible to inquire about any repayment options that may be available to redeem their vehicle and/or personal property.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *****************************
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

• Initial Complaint

  Date:03/21/2025

  Type:Product 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.

  On January 20,2025 i went to speedy cash to cash my check and they cash it for me then 2 weeks later they tell me that my check couldn't be cash that i had to pay them the amount they cash my check for so i gave them back they money after that i ask for my check back they saying that they bank have it they claim they sent a email out to them about giving me back my check i done made complaints about it since January still having gave me my check back so basically they stealing my money and want return it back to me and i do have the receipt that i paid them back they money

  

  Business Response

  Date: 03/26/2025

  *******************
  
  Thank you for the opportunity to respond to the complaint filed by ******** ********** (Complainant). Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they cashed a check, then two weeks later they were informed the check could not be cashed and needed the funds returned. The Complainant states they returned the funds and requested the check back; however, they have not received the check back and request a refund as a resolution.

  A review of Speedy Cash records revealed that on January 4, 2025, the Complainant cashed a check from Core Personnel Staffing Services, LLC, in the amount of $806.51, at a storefront in Austin, TX. A check cashing fee in the amount of $20.16 was assessed. The check was returned to the Company’s bank on January 8, 2025, as it was found the check had already been presented and negotiated by another financial institution. On January 20, 2025, the Complainant made a payment in the amount of $836.51 paying the amount owed.

  The Complainant desires for the canceled check to be returned to them; however, the check was sent back to the bank from where it originated. We encourage the Complainant to contact the check issuer for a copy of the negotiated check.

  Speedy Cash finds the conditions of the transaction were clearly disclosed and cannot find any evidence of wrongdoing. If the Complainant has any additional questions or concerns regarding their account, we urge them to contact their local Speedy Cash at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ****************************.
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

• Initial Complaint

  Date:03/21/2025

  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.

  i went to the speedy cash to pay my balance of 466$, the payment went thru that very same day. a few days later i had a charge for another 466$ come out of my account. i have been given the run around for a refund for about a month now. i am just looking for a refund.

  

  Business Response

  Date: 03/26/2025

  March 26, 2025
  
  Better Business Bureau
  *************************************
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ******* ****** (Complainant). *************** *** **********************************, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they visited Speedy **** and paid the $466.00 balance of their loan, however a few days later another charge for $466.00 was processed through their bank account.The Complainant is requesting a refund of $466.26.
  
  *************** is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. *************** charges a CSO fee in the amount permitted by Texas law.
  
  A review of Speedy **** records revealed that on September 27, 2024, an installment loan was obtained with First Star Financial, LLC in the amount of $270.00, at **********************************. The loan was contracted to be repaid in twelve (12) payments of $70.95, due every other Friday, beginning on October 11, 2024, and a final payment of $70.84, due on March 28, 2025.
  A review of Speedy **** records revealed the first payment of $70.95 was received, however when payment was not received on October 25, 2024, the account entered into a past due status. Attempts to contact the Complainant regarding payment were unsuccessful, therefore due to continued nonpayment, an *** was attempted for the full balance of the loan on February 20, 2025. The Complainant visited a Speedy **** storefront that same afternoon and remitted a debit card payment of $466.24. Regrettably, this resulted in overpayment when the payment cleared the ***************** account on March 18, 2025. Speedy **** credited the overpayment of $466.24 back to the Complainant on March 19, 2025.
  
  We sincerely apologize for any inconvenience this may have caused. If the Complainant has any further questions regarding their account, we encourage them to contact Speedy **** at *************.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
  
  Sincerely,
  
  BSG Consumer Complaints
  PO Box 550
  *******************

  Customer Answer

  Date: 04/01/2025

  BBB called the consumer using an automated calling system.  The consumer replied with a text message  with the number 1 indicating that their complaint was resolved and could be closed - see below for details:

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

  ******, ******* 23082053

  Community Choice Financial, Inc.

  Apr 1, 2025 2:54 PM

  
  

• Initial Complaint

  Date:03/21/2025

  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.

  Got 2 loan total of 2,500 I am just paying fees of 425 a month just so I can get more time to paid the total I owe I already paid alot of fees and it's adds u to more then what I borrowed why do I still owe the same amount. I have paid 425 for a year I had to stop the payments this year because I could not afford it I am battling cancer and I am disable I am real stressed out because I explain to them that I have already paid what I owed and they just yell at me and argue with me I am not strong enough to have that much stress in my life. I get chemo every 2 weeks.

  

  Business Response

  Date: 03/26/2025

  *************
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). SCIL Texas, LLC, DBA Speedy Cash, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they have been paying the fees of $425 a month just to get additional time to pay and also state to have paid for a year but they still owe the same amount. They further state that when they explain this to the company, they receive negative customer service. The Complainant state they have health issues and had to stop the payments due to the stress.

  SCIL Texas, LLC is a registered Texas Credit Services Organization (“CSO”) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy Cash services the loan but is not a lender in Texas. SCIL Texas, LLC charges a CSO fee in the amount permitted by Texas law.

  A review of Speedy Cash records revealed that on November 3, 2023, a payday loan was obtained with TXSCO, Inc in the principal amount financed of $1,100.00 at a storefront in Arlington, TX. The loan was contracted to be repaid in five (5) CAB fee payments of $242.00 due the last day of each month beginning on November 30, 2023, and a final payment of $1,395.94 representing the principal, lender interest and final CAB fee payment due on April 30, 2024. That same day the Complainant refinanced their existing loan online in the amount of $1,100.00, borrowing an additional $401.00. The loan was contracted to be repaid in five (5) CAB fee payments of $255.17 due the last day of the month beginning on November 30, 2023, and a final payment of $1,828.54 representing the principal, lender interest and the final CAB fee payment due on April 30, 2024.

  On March 20, 2024, the Complainant refinanced their loan online on two (2) more occasions, borrowing an additional $1,299.00 total. During the second refinance requested on March 20, 2024, the lender changed to First Start Financial, LLC. The last refinance was completed on August 30, 2024, in which the Complainant made a payment of $535.92 and refinanced their loan for the remaining balance of $2,500.00. The loan was contracted to be repaid in five (5) CAB fee payments of $425.00 due monthly beginning September 30, 2024, and a final payment of $3,046.91 representing the final CAB fee and principal and lender interest, due February 28, 2025. 
  A review of the payment history indicates there have been five (5) payments made on the loan totaling $1,643.75. When the payment was not made on January 5, 2025, the account entered a past due status. As of the date of this response, the Complainant’s account currently has a past due balance of $3,540.63 but that is subject to change due to interest and/or fees that may be accruing. 

  At the time of loan origination, the Complainant signed a loan agreement that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and Regulation Z. The loan is designed to be repaid in five (5) monthly payments, however instead the Complainant chose to refinance their loan on multiple occasions borrowing additional funds. By signing the loan agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan.

  Speedy Cash encourages customers to use this product as a short-term financial solution and whenever possible, pay off early to avoid accruing interest. The balance may be paid back at any time with no penalty for early payoff.
  Speedy Cash believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Concerning the narrative of receiving a negative customer experience, Speedy Cash endeavors to assist our customers with all of their concerns and provide the best service possible. Speedy Cash strives for excellent customer service and remains willing to work with the Complainant to assist them in paying back their loan. We encourage the Complainant to contact our Customer Relations department directly at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

• Initial Complaint

  Date:03/20/2025

  Type:Order 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 to formally express my complaint towards Titilemax reguarding misleading, unethical and deceptive practices and unfair nature of the loan term associated with my car title loan.

  I borrowed 6782.57, with the understanding that my payments over a five month period would contribute towards repaying the loan principal balance, However i have now realized that my payments have only been applied towards fees and holding a lein on the title rather tha reducing the loan balance.

  To date i have paid roughly $3700, yet none of this amount has gone towards reducing reducing the principal loan balance. when adressing the issue with the company i was told the terms were clearly explained and " This is just how we do business"

  The lack of transparency and the excessive cost of the loan, potentially totalling over $12,000 Min(if met within 5 months or the loan will start over to financing all over again) from an initial loan of $6782 demonstrates unethical and predatory lending practices which has caused an even more financial burden, when i trusted this company in a time of need and based off of their many 5 star review which i came to realize is also false advertising that is bribed to do by the company before recieving finances from them or a extra $50. 

  

  Business Response

  Date: 03/26/2025

  **************
  
  Thank you for the opportunity to respond to the complaint filed by ******** ****** (Complainant). TitleMax of Georgia, Inc., DBA TitleMax, a member of Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant alleges that TitleMax is using misleading, unethical and deceptive practices and that the loan terms are unethical and predatory. They would like their vehicle and title to be returned. 

  
  TitleMax of Texas, Inc., DBA TitleMax is a registered Texas Credit Services Organization (“CSO”) and assists consumers in obtaining loans from willing, unaffiliated lenders. TitleMax services the loan but is not a lender in Texas. TitleMax charges a CSO fee in the amount permitted by Texas law.

  A review of TitleMax records revealed that on September 9, 2024, a loan was obtained with First Star Financial, LLC in the amount of $4,372.00 at a storefront in Houston, TX. The Complainant granted a security interest in a 2016 Cadillac ATS with a VIN ending in ******. The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $733.20 due on October 9, 2024, followed by three (3) monthly fees and interest payments of $751.51 beginning on November 9, 2024, and a final payment of $751.51 representing the final CSO fee and $4,554.32 representing the principal and lender interest due on February 9, 2025.  The Complainant defaulted on their first payment.  Due to continued non-payment, the vehicle was recovered on November 18, 2024, and a repossession fee of $445.00 was assessed to the account and a Notice of Intent to Sell Property (“NOPTS”) was sent to the Complainant.  The NOPTS informed the Complainant that they needed to pay the total amount owed for the loan or the vehicle would be sold some time after December 4, 2024.  On December 4, 2024, the Complainant made a payment of $2,233.08 to redeem the vehicle and refinance their existing loan of $4,372.00.

  The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $733.20 due on January 3, 2025, followed by three (3) monthly fees and interest payments of $733.18 beginning on February 3, 2025, and a final payment of $733.18 representing the final CSO fee and $4,550.75 representing the principal and lender interest due on May 3, 2025. When the payment was not made on February 3, 2025, the account again entered a past due status. As of the date of this response, the Complainant has a past due balance of $1,465.56 but that is subject to change due to interest and/or fees that may be accruing.

  A review of TitleMax records revealed that on October 28, 2024, another loan was obtained with First Financial, LLC in the amount of $6,783.00 at a storefront in Tomball, TX. The Complainant granted a security interest in a 2020 Mercedes Benz CLA with a VIN ending in 096132. The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $1,175.42 due on November 28, 2024, followed by three (3) monthly fees and interest payments of $1,137.51 beginning on December 28, 2024, and a final payment of $1,137.51 representing the final CSO fee and $7,062.20 representing the principal and lender interest due on March 28, 2025. The Complainant also defaulted on the first payment on this loan. Due to continued non-payment, the vehicle was recovered on January 4, 2025, and a repossession fee of $445.00 was assessed onto the account. The Complainant was sent a NOPTS that same day advising the amount needed to redeem the vehicle or the vehicle would be sold sometime after January 21, 2025. On January 13, 2025, a payment in the amount of $3,150.00 was made redeeming the vehicle and refinancing their existing loan of $6,782.07.

  The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $1,251.10 due on February 15, 2025, followed by three (3) monthly fees and interest payments of $1,137.35 beginning on March 15, 2025, and a final payment of $1,137.35 representing the final CSO fee and $7,064.92 representing the principal and lender interest due on June 15, 2025.

  
  A review of the payment history on the most recent refinance indicates there have been no payments made on the loan. When the payment was not made on February 15, 2025, the account entered a past due status. Due to continued non-payment, the vehicle was recovered again on March 18, 2025, and the NOPTS was sent to the Complainant advising that the Complainant must pay the total amount owed on the loan by April 3, 2025, or the vehicle would be sold.

  
  At the time of each loan origination and subsequent refinances, the Complainant signed loan agreements that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and Regulation Z. In addition, in Section 2 of the agreement it states:
  “2. Interest; Application of Payments; Prepayment: Interest will accrue daily on the outstanding principal balance. The interest rate is 9.9500% per year. Interest accrues from the Loan Date until the Loan is paid in full. Interest accrues based on the number of days elapsed over a 365-day year [366 days in a leap year]. Lender calculates and charges interest, including interest on past due principal, under Chapter 302. If any finance charge or other fee is held invalid, the remainder shall remain in effect. Lender applies payments first to unpaid interest, then to fees, and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I make all payments in full on the specified Payment Due Date(s). I will owe less interest to Lender if I prepay the Loan or pay early. If I pay Lender late or do not pay in full, I will owe more interest to Lender. I may prepay this Loan at any time without penalty.”

  Additionally, TitleMax personnel explained the terms and conditions to the Complainant with access to copies of the same. It is important to note that the Complainant has obtained multiple loans since 2017. By signing the agreements, the Complainant acknowledged their understanding of the terms and conditions of each agreement.

  Title Max encourages customers to use this product as a short-term financial solution. The balance may be paid back at any time with no penalty for early payoff. Further, customers may cancel the agreement by returning the check by which TitleMax disbursed the loan proceeds or an equivalent amount of cash to us within three (3) days after the date of the loan origination.
  
  In response to the Complainant’s allegation of predatory lending, TitleMax is committed to treating its valued customers in a fair, honest, and transparent manner and views recovery of a vehicle as a last resort. TitleMax reasonably ensures that its development, delivery, and servicing of products will not result in an act or practice that is unfair, deceptive, or abusive. TitleMax ensures that all fees and interest charged are in compliance with all applicable State and Federal laws and regulations. TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed.
  
  We believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, therefore the return of the title and vehicle will not be provided at this time until the loan is satisfied. For any additional questions or concerns regarding their account, we urge the Complainant to contact TitleMax directly at ###-###-####.
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  *** – Consumer Complaints
  ** *** *** ********** ** *****

  Customer Answer

  Date: 04/02/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: ********
  
  I am rejecting this response because: 
  
  Regards,
  
  ******** ******

• Initial Complaint

  Date:03/14/2025

  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.

  BBB transcribed from handwritten letter:

  To Whom It May Concern,

  My name is ***** ***** ( formerl **********) and it has been brought to my attention that Speedy Cash has placed a collections on my account with the balance of $806.00.

  I previoulsy paid off my debt in 2021 before I ended up incarcerated until my release early this year in June. I have emails with payment information to prove it was paid. I have tried reaching out to both Speedy Cash and the National Credit Agency to dispute this, but I stopped getting responses.

  Included in this letter is my personal information to access my account except my social security number other then the last four. If you need more information, please call: *************. 

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

  ***** C ********** (name account is under)

  11/17/1990

  Last 4: 9262

  Thank you

  

  Business Response

  Date: 03/18/2025

  March 18, 2025
  Better Business Bureau
  **************************************
  
  RE:BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ***** Mccullough ***** (Complainant). Speedy Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

  
  To summarize, the Complainant claims Speedy Cash has placed a collection in the amount of $806.00 on their account. They state they have proof they paid off their debt in 2021.

  
  A review of Speedy Cash records revealed that on July 1, 2021, the Complainant obtained a line of credit with a credit limit of $420.00 online, with an initial advance of $420.00. The first payment of $33.25 was on due July 23, 2021, and a second payment of $66.39 was due on August 06,2021.

  
  Payment history indicates there have been two (2)successful payments made on the line of credit. The scheduled ACH payment was attempted on August 19, 2021, but was returned on August 25, 2021, due to insufficient funds causing the account to enter a past due status.

  
  After continued non-payment, the account was sold to National Credit Adjusters on June 30, 2023. National Credit Adjusters may or may not be the entity reporting the Complainants accounts to the ********************** bureaus. As we are no longer the owner of the account and Speedy Cash is not currently reporting the account to any ********************** bureaus. Any concerns regarding the account, including repayment options, credit reporting, and further disputes should be directed to National Credit Adjusters reachable at *************.

  
  To address the attachments provided with the complaint, further investigation into the account reveals a prior line of credit with a credit limit of $165.00 was obtained by the Complainant on November 20, 2020. A payoff was made on March 17, 2021, and the line of credit was closed on June 3, 2021. It appears the receipts provided by the Complainant were in relation to their first line of credit, not the most recent.

  
  We hope that we have fully addressed the complaint.Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
  
  Sincerely,
  
  BSG Consumer Complaints
  PO Box 550
  *********,TN 37364

• Initial Complaint

  Date:03/12/2025

  Type:Customer Service 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.

  In June 2024 I **** my car title to instaloan and always made my payments without any issues

  fast forward

  on January ******* I paid off my loan and they told me I should expect a call from them in about 2 to 4 weeks for pickup my title in their office

  4 weeks passed by and never received a call, I decided to call them to follow up the lady told me they havent received my ****** and to wait until next week

  and again I call the following week and this time a *** told me that they was having trouble with my ****** and that he will call me back in 2 days to see what was going on.

  3 days passed by I stop at their office and again another excuse they havent received it by this time already passed 6 weeks since I paid it off

  then call back again 4 days later and same excuse they dont have it, I told her that this was sound like they lost my ****** and her response was that I can go to the *** and requested myself without having to pay and thats not true because they are the only one that have proof of when the title got sent to them.

  Now they refuse to get my ****** back. 

  

  Business Response

  Date: 03/14/2025

  March 14, 2025
  
  Better Business Bureau
  **************************************
  
  RE: BBB Complaint ID ********
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by *********************************** ****************************, DBA InstaLoan,a member of Community Choice Financial family of brands,appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states they paid off their loan and have yet to receive their title. They are worried they may incur a cost to replace the title and request in writing that TitleMax will cover the cost.
  
  A review of InstaLoan records revealed that on June 25, 2024, the Complainant obtained a loan in the amount of $837.82 at a storefront in *****, **. The Complainant and a ***Signer granted a security interest in a 2008 ***** Odyssey with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $883.25, due July 25, 2024. On July 26, 2024, the Complainant made a payment of $160.00 and refinanced their existing loan of $723.93. The loan was contracted to be repaid in full in the amount of $879.86, due August 25, 2024.
  
  Between August 24, 2024, and December 24, 2024, the Complainant refinanced their loan on five (5) more occasions. The final refinance was completed on December 24, 2024, in which the Complainant made a payment of $161.11 and refinanced their existing loan of $723.93. The loan was contracted to be repaid in full in the amount of $884.22, due January 23, 2025. Payment history on the most recent refinance indicates the account was paid in full on January 22, 2025, in the amount of $880.82.
  
  To address the Complainants concern regarding their title, unfortunately, it appears the title was lost in transit. Please note TitleMax is no longer the lien holder and, therefore, cannot apply for the title. If the Complainant incurs a cost for a replacement title, the storefront will fully reimburse the amount upon submission of a receipt from the ****************************
  
  We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.
  
  Sincerely,
  
  BSG Consumer Complaints
  PO Box 550
  *******************