ComplaintsforCommunity Choice Financial, Inc.

• Initial Complaint

  02/10/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On two occasions in the past three months this company has attempted to withdraw over $1,000 from my bank account. I have never received any mail or bills from this company and have not authorized this company to withdraw funds from my account.

  

  Business response

  02/16/2022

  February 16, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16752232
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ******* **** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarized, the Complainant states on two occasions, CCR has attempted to withdraw over $1,000.00 from their bank account. The Complainant claims they never received any mail or bills from CCR and has not authorized CCR to withdraw funds from their account.
  
  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from CC Connect, a division of Capital Community Bank. A search of our records revealed that CCR purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on November 20, 2021, in the amount of $2,440.83.
  
  A letter was sent to the Complainant on November 22, 2021, notifying her that CCR purchased her defaulted CC Connect loan and provided instructions for payment options. Furthermore, CCR has attempted to contact the Complainant regarding this outstanding debt on numerous occasions including leaving messages at the phone number provided by the Complainant for contact.
  Regarding the statement of CCR processed an unauthorized ACH payment, CCR who as assignee assumed the rights of the original creditor, submitted an ACH payment to the account provided and designated by the customer with authorization, per her signature, on the ACH Authorization Agreement (see below).
  
  
  Under the terms of the agreement:
  
  My ACH Authorization will remain in full force and effect until the first to occur of the following events: (i) I satisfy all of my payment obligations under the Note; or (ii) I provide Lender notice of termination of this authorization at least three business days before the scheduled date of the transfer. I acknowledge that the origination of the ACH entry to My Bank Account must comply with applicable provisions of U.S. law.
  
  I understand that if Lender assigns my Note to any third party, this ACH Authorization will also be assigned to the party holding the Note and such holder will be entitled to initiate ACH entries in accordance with this ACH Authorization.
  
  By signing below I acknowledge that I have read and accept the terms of the “ACH Authorization” and I agree and understand that I am authorizing Lender to credit and debit my Bank Account.
  
  We have mailed the Complainant a copy of their original Loan Agreement along with the ACH Authorization Agreement for them to reference and retain for their records.
  
  It does not appear the original lender notified CCR of any previous ACH revokes; however, given the nature of this complaint, the Complainant’s account with CCR has been updated with an ACH revoke and no future ACH payments will be attempted.
  
  Our records show the ACH payment did not clear the Complainant’s account; we ask the Complainant to call CCR at (888) 370-0503 to reach a mutually acceptable payment arrangement.
  
  We hope that we have fully addressed the complaint. Should he or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017

• Initial Complaint

  02/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a complaint about cc recoveries business. They took money from my bank account without saying anything.

  

  Business response

  02/17/2022

  Thank you for the opportunity to respond to the complaint filed by ***** ******** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant claims CCR withdrew money from their bank account without saying anything. They are requesting a billing adjustment.
  
  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from ** *******, a division of ******* ********* ****. A search of our records revealed that CCR purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on December 12, 2021, in the amount of $1,300.79.
  
  A letter was sent to the Complainant on December 28, 2021, notifying them that CCR purchased their defaulted ** ******* loan and provided instructions for payment options. Furthermore, CCR attempted to contact the Complainant regarding this outstanding debt on numerous occasions including leaving messages at the phone number provided by the Complainant for contact. When all attempts to contact the Complainant to arrange a repayment plan were unsuccessful, CCR who as assignee assumed the rights of the original creditor, submitted an ACH payment to the account provided and designated by the customer with authorization, per their signature, on the ACH Authorization Agreement.
  
  Our records show the ACH payment submitted on February 9, 2022, cleared the Complainant’s bank account leaving an outstanding balance of $650.40 with CCR. We have decided to waive the remaining balance and the Complainant’s account is paid in full.
  
  We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  **** ******* **** **** ******* ** *****

• Initial Complaint

  02/09/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  $430.71 was taken from my bank account on Jan 28 2022 without my authorization. I did not give my bank information to this company nor have a contacted them. I would like this amount refunded

  

  Business response

  02/10/2022

  Thank you for the opportunity to respond to the complaint filed by ******** Schmitzer (Complainant). CC Recoveries, LLC (CCR), a member of the Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns.

  To summarize, the Complainant states $430.71 was electronically debited by CCR without their authorization. The Complainant states they did not provide their bank information to CC Recoveries, nor have they ever contacted CC Recoveries.  The Complainant is requesting a refund.
  

  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan the Complainant obtained from ** ******** a division of ******* ********* ****. A search of our records revealed that CCR purchased the Complainant’s installment loan contract that was in default from this nonaffiliated third-party on December 26, 2021, in the amount of $1,722.86.
  

  Regarding the statement that CCR processed an unauthorized ACH payment, CCR who as assignee assumed the rights of the original creditor, submitted an ACH payment in the amount of $430.72 to the account provided and designated by the Complainant with authorization, per their signature, on the ACH Authorization Agreement (see below).
  

  Under the terms of the agreement:
  

  “My ACH Authorization will remain in full force and effect until the first to occur of the following events:

  (i) I satisfy all of my payment obligations under the Note;

  or (ii) I provide Lender notice of termination of this authorization at least three business days before the scheduled date of the transfer.

  I acknowledge that the origination of the ACH entry to My Bank Account must comply with applicable provisions of U.S. law.
  

  I understand that if Lender assigns my Note to any third party, this ACH Authorization will also be assigned to the party holding the Note and such holder will be entitled to initiate ACH entries in accordance with this ACH Authorization”
  

  As of February 9, 2022, the Complainant has not provided a “cease and desist” request for ACH’s to be terminated. Given the nature of this complaint, the account has been notated to cease all automatic withdrawals, effective February 9, 2022.
  

  CC Recoveries attempted to contact the Complainant 17 times between December 28, 2021, and January 26. Due to unsuccessful attempts, the ACH payment was submitted January 27, 2022, to be effective January 28, 2022. The ACH cleared and posted on February 4, 2022, for $430.72.
  

  During the process of obtaining the loan, the Complainant was presented with the lender’s loan agreement which included the Federal Truth in Lending Disclosures, where the APR, finance charge, amount financed, and total payments are disclosed. The Complainant was also presented with an ACH Authorization, which includes a routing number and account number where the

  Complainant authorized ** *******, and its successors, servicers, sub-servicers or assigns to initiate debit entries. Both documents must be reviewed prior to signing. Due to this, CCR will not be issuing a refund to the Complainant.
  

  We hope we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  **** ******* **** **** ******* ** *****

• Initial Complaint

  02/09/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  A company called CCRECOVERIE took $1050.50 out of my account. I have never authorized this transaction. This is the second time they have taken money out of my account and I am now going to be forced to close my bank account and get a new one. I have no emails, bills, or phone calls from them that I can find and even if I had, I still didn't authorize them taking money out of my account and don't know how they got my account details. It's fraud, pure and simple.

  

  Business response

  02/15/2022

  February 15, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16748178
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states CCR took $1,050.50 from their account. They claim they never authorized this transaction and that this is the second time CCR has taken money. The Complainant states they have not received any emails, bills, or phone calls from CCR and that this is fraud.
  
  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from CC Connect, a division of Capital Community Bank. A search of our records revealed that CCR purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on October 20, 2021, in the amount of $2,101.00.
  A letter was sent to the Complainant on October 21, 2021, notifying her of that CCR purchased her defaulted CC Connect loan and provided instructions for payment options. Furthermore, CCR has attempted to contact the Complainant regarding this outstanding debt on numerous occasions including leaving messages at the phone number provided by the Complainant for contact.
  Regarding the statement that CCR processed unauthorized ACH payments, CCR who as assignee assumed the rights of the original creditor. A review of our records did not reveal any notifications from the original lender of a previous ACH revoke or opt-out; however, given the nature of this complaint, the Complainant’s account with CCR has been updated with an ACH revoke and no future ACH payments will be attempted.
  To date, no payments have been received for this account; we ask the Complainant to call CCR at ***** ******** to reach a mutually acceptable payment arrangement.
  We hope that we have fully addressed the complaint. Should she or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017

• Initial Complaint

  02/09/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This company whom I have never heard of withdrew $1680.80 out of my account without permission I have never heard of them I never gave them permission they just took the money . I want my money refunded

  

  Business response

  02/15/2022

  
  February 15, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16748177
  
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant claims CCR withdrew $1,680.80 from their account without permission. The Complainant states they have never heard of CCR and is requesting a refund.
  
  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from CC Connect, a division of Capital Community Bank. A search of our records revealed that CCR purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on October 8, 2021, in the amount of $3,361.60.
  
  A letter was sent to the Complainant on October 11, 2021, notifying them that CCR purchased their defaulted CC Connect loan and provided instructions for payment options. Furthermore, CCR attempted to contact the Complainant regarding this outstanding debt on numerous occasions including leaving messages at the phone number provided by the Complainant for contact.
  Regarding the statement of CCR processing an unauthorized ACH payment, CCR who as assignee assumed the rights of the original creditor, submitted an ACH payment to the account provided and designated by the customer with authorization, per their signature, on the ACH Authorization Agreement.
  
  Under the terms of the agreement:
  
  My ACH Authorization will remain in full force and effect until the first to occur of the following events: (i) I satisfy all of my payment obligations under the Note; or (ii) I provide Lender notice of termination of this authorization at least three business days before the scheduled date of the transfer. I acknowledge that the origination of the ACH entry to My Bank Account must comply with applicable provisions of U.S. law.
  
  
  I understand that if Lender assigns my Note to any third party, this ACH Authorization will also be assigned to the party holding the Note and such holder will be entitled to initiate ACH entries in accordance with this ACH Authorization.
  
  By signing below I acknowledge that I have read and accept the terms of the “ACH Authorization” and I agree and understand that I am authorizing Lender to credit and debit my Bank Account.
  
  Prior to the processing of the ACH payment, the original lender did not notify CCR of any previous ACH revokes; given the nature of this complaint, the Complainant’s account with CCR has been updated with an ACH revoke and no future ACH payments will be attempted.
  
  At this time, our records do not indicate whether the ACH payment cleared the Complainant’s account. This information will be made available to CCR within one to two business days. If the ACH payment does clear, CCR will review the account for refund. If the Complainant does not wish to wait one to two business days, they may send a copy of their bank statement to the email address below showing the payment as posted and cleared and we will review for refund.
  
  We ask the Complainant to call CCR at (888) 370-0503 to reach a mutually acceptable payment arrangement.
  
  We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017

  Customer response

  02/15/2022

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 16748177
  
  I am rejecting this response because: I have never received any correspondence form this company or any other person or company regarding this amount and what I allegedly owe.  I have no idea who you are or who you state I owe this money to.  I never received a letter indicating anything.  This is wrong and I never advised or anyone else to take the money or allow it to be taken.  
     
  Regards,
  
  ****** ******

  

  Business response

  02/25/2022

  February 25, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16748177
  
  
  BBB Dispute Resolution Team:
  
  CC Recoveries, LLC (CCR) appreciates the role of the BBB and is happy to provide this response to the Complainant’s rejection. We have included the signed Loan Agreement and ACH Authorization, the letter sent to the Complainant notifying her that CCR had purchased her debt, and the account notes documenting the attempted phone calls and messages left at the phone number provided by the Complainant for contact regarding this loan.
  
  CCR apologizes for any inconvenience this may have caused the Complainant, but we strongly deny any wrongdoing. CCR stands behind its original response. The Complainant was given the opportunity to read and review the lender’s Loan Agreement and ACH Authorization Agreement prior to signing for the loan. We consider this matter closed.
  
  Sincerely,
  Customer Service – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017

• Initial Complaint

  02/09/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This company withdrew 1268.42 from my bank account today. I have never heard of them nor have I received any information about this said withdrawal. I filed a dispute with my bank over this. I am unable to locate any information about this company on the internet other than location of Alexandria VA. That was my rent that they took without my consent. I have read the other complaints and if I did have a loan from someone I already revoked consent to funds taken out of my accounts.

  

  Business response

  02/15/2022

  February 15, 2022
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16748175
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarized, the Complainant states CCR withdrew $1,268.42 from their bank account. The Complainant claims they have never heard of CCR, nor have they received any information about this withdrawal and have disputed the transaction with their bank. The Complainant states if they did have a loan with someone, then they would have already revoked consent for funds being taken out of their account. They are requesting a refund, explanation of charges, and to be contacted by the CCR.
  
  It should first be recognized that CCR did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from CC Connect, a division of Capital Community Bank. A search of our records revealed that CCR purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on August 29, 2021, in the amount of $2, 536.84. A letter was sent to the Complainant on August 30, 2021, notifying him of the purchase. Furthermore, CCR has attempted to contact the Complainant on several occasions including leaving voicemail messages at the phone number provided by the Complainant for contact.
  
  Regarding the statement of CCR processing an unauthorized ACH payment, CCR who as assignee assumed the rights of the original creditor, submitted an ACH payment to the account provided and designated by the customer with authorization, per his signature, on the ACH Authorization Agreement.
  
  Under the terms of the agreement:
  
  My ACH Authorization will remain in full force and effect until the first to occur of the following events: (i) I satisfy all of my payment obligations under the Note; or (ii) I provide Lender notice of termination of this authorization at least three business days before the scheduled date of the transfer. I acknowledge that the origination of the ACH entry to My Bank Account must comply with applicable provisions of U.S. law.
  
  I understand that if Lender assigns my Note to any third party, this ACH Authorization will also
  be assigned to the party holding the Note and such holder will be entitled to initiate ACH entries
  in accordance with this ACH Authorization.
  
  By signing below I acknowledge that I have read and accept the terms of the “ACH Authorization” and I agree and understand that I am authorizing Lender to credit and debit my Bank Account.
  
  It does not appear the original lender notified CCR of any previous ACH revokes; however, given the nature of this complaint, the Complainant’s account with CCR has been updated with an ACH revoke and no future ACH payments will be attempted.
  
  Our records show the ACH payment did not clear the Complainant’s account and therefore, we are unable to provide a refund. We ask the Complainant to call CCR at (888) 370-0503 to reach a mutual acceptable payment arrangement.
  
  We hope that we have fully addressed the complaint. Should he or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  5165 Emerald Pkwy #100
  Dublin, OH 43017

• Initial Complaint

  02/09/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I didn't authorize them to pull money out of my account and they pulled 1050.50 out of my account this morning. (Feb,9 2022)

  

  Business response

  02/14/2022

  
  Thank you for the opportunity to respond to the complaint filed by ******* ***** (Complainant). CC Recoveries, LLC (CCR), appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant claims *** withdrew $1,050.00 out of his account on February 9, 2022, without his authorization. He is requesting a refund.
  
  It should first be recognized that *** did not extend credit to the Complainant; rather, this transaction involves an Installment Loan obtained from ** *******, a division of ******* ********* ****. A search of our records revealed that *** purchased the Complainant’s Installment Loan contract that was in default from this nonaffiliated third party on November 18, 2021, in the amount of $2,101.00. A letter was sent to the Complainant on November 19, 2021, notifying him of the purchase. Furthermore, *** has made several attempts to contact the Complainant including leaving messages at the phone number provided by Complainant.
  
  Regarding the statement that *** processed an unauthorized ACH payment, *** who as assignee assumed the rights of the original creditor, submitted an ACH in the amount of $1,050.00 to the account provided and designated by the customer with authorization, per his signature, on the ACH Authorization Agreement.
  
  Under the terms of the agreement:
  
  I understand that if Lender assigns my Note to any third party, this ACH Authorization will also
  be assigned to the party holding the Note and such holder will be entitled to initiate ACH entries
  in accordance with this ACH Authorization.
  
  *** contacted the lender and confirmed the Complainant did not opt out of ACH payments nor submit an ACH revoke after the loan origination; however, given the nature of this complaint, the Complainant’s account with *** has been updated with an ACH revoke and no future ACH payments will be attempted. Since the payment was processed as outline in the Complainant’s Loan Agreement, we will not be able to issue a refund. If the Complainant has evidence the payment was unauthorized, we ask he provide documentation and we would be happy to further review.
  
  We ask the Complainant to call *** at ###-###-#### to reach a mutual acceptable payment arrangement.
  
  We hope that we have fully addressed the complaint. Should he or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  Customer Service – Consumer Complaints
  **** ******* **** **** ******* ** *****

• Initial Complaint

  01/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I applied for a $255 pay day loan with Cash Central, and they ran a hard inquiry on my credit report even though I was denied the loan. Is this legal? I would request for them to contact Experian, Transunion and Equifax and remove this hard inquiry. Thank you

  

  Business response

  01/26/2022

  Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant). Cash Central, a member of the Community Choice Financial® family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns.
  
  To summarize, the Complainant states they applied for a $225.00 payday loan with Cash Central and was denied; however, Cash Central ran a hard inquiry on their credit report. The Complainant is requesting Cash Central contact Experian, Transunion, and Equifax and remove the hard inquiry.
  
  A review of our records shows, on January 24, 2022, the Complainant applied for a payday loan with Cash Central and was denied. During the application process, applicants are required to acknowledge and agree to the use of credit reporting agencies in the underwriting process to determine credit worthiness and loan eligibility (see below). This acknowledgement is required prior to the applicant being approved or denied; failure to acknowledge this disclosure stops the application from proceeding. Since Cash Central did request a credit inquiry for the Complainant, they would have had to acknowledge and agreed to these terms. Cash Central, under the terms of the Fair Credit Reporting Act, is required by law to report accurately; therefore, is unable to fulfill the Complainant’s request for removal.
  
  We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at [email protected].
  
  Sincerely,
  
  *** – Consumer Complaints
  **** ******* **** **** ******* ** *****     

  Customer response

  01/27/2022

  Can Cash Central specify where it states they will run a hard inquiry on my credit. This is the first time I run into a pay day loan institution that practices this.
  If that was the case I would've not continued with the application. I need confirmation on where I agreed to a hard inquiry.
  
  Thank you 
  
  Regards,
  
  **** *****

  
  

  
  

  

  Business response

  02/02/2022

  The original response provided the authorization given by the Complainant for Cash Central to access his credit report. When there is an application for a loan, "soft" inquiries cannot be utilized; application specific credit checks process a "hard" inquiry. This is not a Cash Central function, but how the credit bureaus process application specific credit inquires. 

  Customer response

  02/02/2022

  I accept the business's response to resolve this complaint. 
  
  Regards,
  
  **** *****

• Initial Complaint

  01/15/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I went with a check for $5,505.86 to be cashed. Teller told me she didn't have enough cash in drawer so it would divided half in cash and the rest on card. They took $550 worth of fees. Which left me with $4,955.27 Teller put my money on card and the rest in envelope. I did not open envelope to check which was 1-6-2022, today 1-12-2022 I went to open envelope to handle some business and it was only $1,856 in cash. I was supposed have $2,955 in cash in envelope. $2,000 was put on the card.

  

  Business response

  01/18/2022

  Tell us why here...January 18, 2022
  
  
  Better Business Bureau
  1169 Dublin Road
  Columbus, OH 43215
  
  RE: BBB Complaint ID 16472031
  
  BBB Dispute Resolution Team:
  
  Thank you for the opportunity to respond to the complaint filed by ****** ***** (Complainant). CheckSmart, a member of the 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 she went to CheckSmart on January 6, 2022, to cash a check for $5,505.86, and the teller explained she did not have enough cash, but she could put half on a prepaid card. The Complainant claims CheckSmart took $550.00 in fees which left her with $4,955.27; the teller put $2,000.00 on the card and the rest in cash in an envelope. The Complainant alleges she did not check the envelope until January 12, 2022, and there was only $1,856.00 in cash in the envelope.
  
  A review of our records revealed the Complainant cashed a check in the amount of $5,505.86 on January 6, 2022, with a check cashing fee of $550.59; $2,000.00 was loaded onto a prepaid visa card and the remaining $2,955.27, was cash placed in an envelope. The Complainant reached out to our corporate office on January 12, 2022, claiming she was shorted cash which initiated a review of the store’s video footage of the transaction and for the store’s cash to be balanced. The store balanced and the cameras did not provide any evidence that the incorrect amount of cash was provided to the Complainant. CheckSmart attempted to contact the Complainant after the investigation was complete; however, our phone calls were not answered nor returned.
  
  We hope that we have fully addressed the complaint. Should she or the Better Business Bureau require further explanation, we may be reached at *****************************
  
  Sincerely,
  
  
  BSG – Consumer Complaints
  **** ******* **** ****
  ******* ** *****     

• Initial Complaint

  12/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 35 days for these accounts that are clearly inaccurate and fraudulent accounts. This creditor is disregarding the law and taking advantage of me and this has caused big stress on my life. The most recent certified letter I sent was 11/15/2021. The attached file is the FTC I sent to them. I DEMAND that all the items are deleted and if action is not taken I will sue in small claims court in my city and the company will have to come and represent themselves.

  

  Business response

  12/27/2021

  Thank you for the opportunity to respond to the complaint filed by ********* **** (Complainant). Community Choice Financial® (CCF) 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 sent multiple debt validation requests via certified mail and after 35 days, has yet to receive anything back. They allege CCF is disregarding the law and taking advantage of her causing stress on her life. The Complainant included an FTC Identity Theft report and demands all items be deleted from their credit report.
  
  A review of our records did not reveal the Complainant being a current or past customer of CCF or any of our subsidiaries. Furthermore, the FTC Identity Theft report included with the complaint does not include CCF or any of our subsidiaries. It appears this complaint was sent to us by mistake. If the Complainant has evidence to the contrary, we ask they provide this documentation so we may further investigate their claim and take any remediate action necessary.
  
  Identity Theft is a terrible crime. CCF makes every effort to prevent its occurrence. While we are limited in the types of action we may take in this instance due to the lack of underlying consumer relationship with the Complainant, we recommend they notify their local law enforcement authorities of this incident.
  
  We hope that we have fully addressed the complaint. Should she or the Better Business Bureau require further explanation, we may be reached at *****************************
  Sincerely,
  
  BSG – Consumer Complaints
  **** ******* **** **** ******* ** ********* ** *** ******.

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