Complaints

This profile includes complaints for FirstFin Credit's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  FirstFin Credit

  PO Box 1316 Dublin, OH 43017

• 

  FirstFin Credit

  5165 Emerald Pkwy Ste 120 Dublin, OH 43017-1092

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:01/16/2025

  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.

  there is account on my personal credit report they don't belongs to myself I have ask this company for all any documents that pertain to my self I also have provided a police report and idenity theif report and they have not provided any thing it if fact it was removed from my credit report and reinserted back on to my file . and according to the fair Credit Reporting Act (FCRA) 15 U.S.C. 1681 et seq, governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting Agencies (CRAs)

  Business Response

  Date: 01/27/2025

  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin  Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy  to provide a formal response.

  To summarize the complaint, the customer alleges that the account in question does not belong to her. She  states that she provided all requested documentation, including a police report and an identity theft report,  but claims we have not responded. Additionally, she asserts that the account was previously removed  from her credit report but later reinstated, referencing 15 USC 1681b. 

  After a thorough review of our records, we can confirm the following: 

  • Account Origination: On November 10, 2021, the customer visited a Check into Cash location  in Downey, CA, and applied for a Line of Credit account with FirstFin Credit. During the  application process, the customer presented valid identification, including a California Driver  License, as well as proof of income and banking details. Upon approval, a $700.00 line of credit  was extended, and the full amount was drawn on the same day. The draw proceeds were  deposited onto a Visa debit card owned and controlled by the customer. 

  • Agreement Execution: The customer electronically signed the Line of Credit Agreement, which  complies with the Electronic Signature in Global and National Commerce Act (E-SIGN). By  signing, the customer acknowledged and agreed to the terms and conditions of the account. 

  • Account History: The account became delinquent on December 4, 2021. Despite outreach to  establish payment arrangements, the account remained unresolved and was subsequently sold to  ******** ******* ****** ****on January 8, 2022. 

  • Dispute Review: On August 16, 2023, we received a validation request, which we addressed  promptly. In July 2024, a credit dispute was submitted to TransUnion by the complainant,  alleging that the account resulted from identity theft. During our investigation, the complainant  provided an image of her driver’s license, which matched the ID provided at the time of the  application. An FTC report was also submitted, but our identity theft investigation found  insufficient evidence to support the claim. 

  Based on the information we have reviewed, including account documentation and prior communications,  the claim of identity theft remains unsupported. As a financial institution, we are obligated to ensure the  accuracy of the information reported to credit bureaus. Therefore, we are unable to remove this account  from the customer’s credit report at this time. 

  If the customer believes there is additional evidence to support her claim, she is encouraged to submit it  for further review. Alternatively, she may file a dispute directly with the credit reporting agency. Should  the credit bureau reach out to us for verification, we will conduct another full investigation and confirm  the accuracy of any verified information.

  We hope this response clarifies the situation. Should you or the complainant have additional questions or  need further assistance, we encourage you to contact FirstFin Credit directly at ###-###-####. 

  Sincerely,

   

  FirstFin Credit Customer Service

  ** *** **** ******* ** ***** 

  ###-###-#### 

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

  Customer Answer

  Date: 02/04/2025

  ***********
  I am rejecting this response because:  there response wasn’t not anything pertaining to my complaint this account don’t belong to myself I ask for the vilidation of this account and I not sure they understand the complaint.
  
  Regards,
  
  ******** ****

• Initial Complaint

  Date:01/06/2025

  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.

  So I took a loan out on the December 27 and today’s date is January 6 and I still haven’t received my ACH payment of $250.

  basically they’re telling me oh I gotta wait five business days before they can trace it and they’re all trying to blame it on all the banks probably holding in and I contacted my bank.

  My bank instructed me that that credit union does not hold any ACH deposit so they cannot take full responsibilities for their screw up

  And they’re trying to point the fingers to my bank

  Business Response

  Date: 01/10/2025

  ************
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant states that she requested a loan advance of $250.00 on December 27, 2024, via ACH and had not received the funds as of January 6, 2025. She also mentioned being advised to wait five business days before a trace could be initiated and expressed dissatisfaction with the explanation provided regarding the delay.
  
  Upon reviewing the complainant’s account history, we confirmed that on December 27, 2024, the complainant requested an online advance of $250.00 via ACH from the checking account information she provided. On December 30, 2024, the complainant called to inquire about the status of the advance and was informed that the ACH funding process could take up to five business days.
  
  Upon escalation due to the missing advance, our review found that the ACH transaction failed with an R03 return code—"No Account/Unable to Locate Account"—and the transaction was subsequently reversed.
  
  Furthermore, on January 7, 2025, the complainant contacted us again regarding the issue. She was informed of the ACH failure and advised to update her banking information. During the conversation, the complainant acknowledged that the checking account number on file contained four extra digits, which caused the payment failure. She agreed to update her banking information at one of our store locations.
  
  We hope this response clarifies the situation. Should you or the complainant have additional questions or need further assistance, we encourage you to contact FirstFin Credit directly at ###-###-####.
  
  Sincerely,
  
  FirstFin Credit Customer Service
  ** *** ********  ******* ** ********* 
  ###-###-####???? 
  ********************************** ** **************************** 
  

• Initial Complaint

  Date:01/02/2025

  Type:Order 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 was over charged 2 times for $1002.44 all in total $2004.88 for borrowing a little over $800. I’ve sent proof of transactions from my credit union and this company just isn’t admitting fault and now broke. Please help

  Business Response

  Date: 01/13/2025

  ********************
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant alleges he was charged twice for a payment totaling $2,004.88 for borrowing just over $800. He states he provided proof of these transactions from his credit union but claims the company has not acknowledged fault, leaving him in financial distress
  
  A review of records confirms that On December 28, 2024, the customer contacted our team, stating he made a payment over the phone with a Contact Center representative and was charged twice. Our representative reviewed the account and confirmed that only one payment was reflected, at which point the customer was asked to provide proof of payment to assist in resolving the matter.
  
  Upon further escalation, our review revealed that a Contact Center representative encountered an error message during the customer’s initial payment attempt. As a result, a second attempt was made, which processed successfully.
  
  Once the customer provided his bank statement, our Merchant Services team promptly verified the transactions. A refund for the duplicate payment was issued via ACH, as requested by the customer. Additionally, we credited $25.00 to his account to offset any overdraft fees incurred. The customer expressed satisfaction with the resolution, stating he intends to continue using our services.
  
  We sincerely apologize for any inconvenience caused by this error and appreciate the customer’s understanding as we worked to resolve the issue.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If the complainant has additional questions or concerns, she may contact FirstFin Credit directly at ###-###-####.? 
  
  Sincerely,
  
  FirstFin Credit Customer Service
  ** *** ******  ******* ** ******* 
  ###-###-####
  ********************************** ** ************************** 

  Customer Answer

  Date: 01/14/2025

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

• Initial Complaint

  Date:12/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Well I be charge to much and I paid on time and before the date they charge doble sometimes

  Business Response

  Date: 01/10/2025

  *************
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above-referenced complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant alleges that he has been overcharged despite making timely payments, sometimes before the due date. He also claims he has been charged double on occasion and requests a refund.
  
  Our records indicate that on August 1, 2024, the complainant opened a Line of Credit account with FirstFin Credit at a California Check Cashing store in N. Hollywood, CA.
  
  Upon reviewing the account and transaction history, we confirmed that on December 12, 2024, the complainant took out a draw for $650.00. This amount was due for repayment on December 26, 2024, but was not repaid by the due date. The complainant informed us during conversations on December 26, 2024, and December 31, 2024, that he was experiencing financial hardship and would not be able to make payment until January 10, 2025. A late fee of $10.00 was assessed on January 6, 2025, in accordance with the terms of the agreement.
  
  Additionally, a detailed review of the transaction history confirms that the complainant was charged only once for each draw, and there are no instances of double charges.
  
  Based on the information reviewed, all charges and fees on the account are accurate and in accordance with the terms of the agreement. As such, the complainant is not eligible for a refund.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If the complainant has additional questions or concerns, she may contact FirstFin Credit directly at ###-###-####. 
  
  Sincerely,   
  
  FirstFin Credit Customer Service  
  ** *** ****   ******* ** *****  
  ###-###-####  
  ********************************** ** ************************* 
  

• Initial Complaint

  Date:11/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is erroneously reporting late payment info to transunion and that I have an open account.. It's a payday loan company thaty charges highest interest rates possible for payday loans, represents themselves to credit agency as a line of credit, and reported a payment late that wasn't over 30 days late. Please ask them to take this off of my transunion report.

  Business Response

  Date: 12/18/2024

  ***************
  ********, OH 43215

  
  RE: BBB Complaint ID: ********

  
  Dear BBB Dispute Resolution Team:

  
  ******************* of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin
  Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy
  to provide a formal response.

  
  The complainant alleges that our company is incorrectly reporting late payment information to the credit
  reporting agency (**********), alleging that a payment was marked late despite being paid within 30
  days. Additionally, he claims that we operate as a payday loan company charging high interest rates,
  while representing ourselves to the credit agency as a line of credit.

  
  Our records indicate that on April 13, 2024, the complainant applied for a $1,000 line of credit at a Check
  into Cash location in *******, **, which was approved and fully drawn on the same day. This advance
  had a due date of May 1, 2024.

  
  Further review shows that the complainants account became delinquent on May 2, 2024. Despite our
  efforts to arrange a suitable payment plan, the account remained delinquent until a payment was made on
  June 3, 2024. The range of these dates confirms that the customer was indeed ******* late.

  
  On November 11, 2026, the customer contacted our customer service department to close the line of
  credit and was informed that the credit report status would be updated to 'paid'.
  On November 30, 2024, we received an Automated Consumer Dispute Verification (ACDV) from

  TransUnion. The customer disputes present/previous account status payment and account history. In
  response to the dispute received, we thoroughly investigated and confirmed that the disputed information
  was accurate.

  
  As it is our obligation to report accurate information to the credit reporting agencies, we will not be able
  to remove the reporting of this account from the complainants credit report. The complainant may file a
  dispute directly with the credit-reporting agency; however, if the credit-reporting agency seeks to verify
  the disputed information, we will fully investigate the dispute and must confirm any information that is
  verified as being accurate.

  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If
  you have additional questions or concerns, you may contact FirstFin Credit directly at **************.

  
  Sincerely,
  FirstFin Credit ****************
  ** *** ****
  ****************
  **************
  **************************************************************** or *******************************

  Customer Answer

  Date: 12/26/2024

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

  There are more errors. The company previously closed my account and reopened it without my permission. 

  
  Also,

  Entry needs to be removed as company has gone through initial methods to report a late payment that I dont believe they have proven to have been over 30 days and that it isnt a pay day loan. 

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

  Business Response

  Date: 01/03/2025

  **************
  ******************* of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin
  Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy
  to provide a formal response.

  
  The customers follow-up correspondence relating to Complaint ID: ********, did not raise any new
  points that were not already raised in the customers original complaint, which we already acknowledged
  and responded to on December 26, 2024. Nonetheless, we are happy to provide additional details to assist
  our customer with his concern.

  
  Contrary to the statements made by the complainant in his follow-up correspondence, his FirstFin Credit
  account was closed on November 26, 2024, as he requested.

  
  Additionally, our records confirm that on April 13, 2024, the complainant applied for and received
  approval for a $1,000 line of credit at a Check into Cash location in *******, **. On the same day, the
  complainant electronically signed the FirstFin Credit Line of Credit Agreement, which clearly defines the
  terms of the line of credit.

  
  In an attempt to assist our customer, while under no obligation to do so, we have put in a request with the
  credit-reporting agency to remove the 1 late payment from the complainants credit report, as a one-time
  courtesy. Please allow up to 60 days for the change to reflect on the credit report.

  
  We thank you for this opportunity to respond.

  Business Response

  Date: 03/03/2025

  ****************
  
  First National Bank of Pasco, doing business as FirstFin Credit, has received the above-referenced complaint. We appreciate the role of the Better Business Bureau in resolving consumer concerns and are happy to provide a formal response.

  
  The customer’s follow-up correspondence relating to Complaint ID #******** shows that he continues to dispute a late payment reported by TransUnion, which he says was removed on January 9th but reappeared on February 26th. He seeks permanent removal and questions the legality of the situation.
  
  Our records confirm that on January 3, 2025, we submitted an update request to TransUnion to remove the late payment as a courtesy and update the account status. However, when our regular credit reporting cycle ran, the 30-day late remark from June 2024 was reinstated. Upon receiving this complaint, we submitted another update to remove the late mark.
  
  We apologize for any confusion and confirm that, since the complainant’s account is closed, there will be no further reporting updates
  
  We thank you for this opportunity to respond.

  Business Response

  Date: 03/03/2025

  ****************
  
  First National Bank of Pasco, doing business as FirstFin Credit, has received the above-referenced complaint. We appreciate the role of the Better Business Bureau in resolving consumer concerns and are happy to provide a formal response.

  
  The customer’s follow-up correspondence relating to Complaint ID #******** shows that he continues to dispute a late payment reported by TransUnion, which he says was removed on January 9th but reappeared on February 26th. He seeks permanent removal and questions the legality of the situation.
  
  Our records confirm that on January 3, 2025, we submitted an update request to TransUnion to remove the late payment as a courtesy and update the account status. However, when our regular credit reporting cycle ran, the 30-day late remark from June 2024 was reinstated. Upon receiving this complaint, we submitted another update to remove the late mark.
  
  We apologize for any confusion and confirm that, since the complainant’s account is closed, there will be no further reporting updates
  
  We thank you for this opportunity to respond.

• Initial Complaint

  Date:11/18/2024

  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 got a loan last year and there’s a yearly fee of 25 dollars. So I seen it on my CK and called them to cancel it they ended up hanging up so I didn’t get to finish.That was on last Friday so I call Monday they said I couldn’t cancel because I opt out of texting they would send me an email to Reinstate so I can pay and cancel. So it seems like they really don’t want me to cancel. But how should be easier to accomplish.

  Business Response

  Date: 12/18/2024

  *************
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference
  complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving
  consumer concerns. We are happy to provide a formal response.

  
  To summarize, the complainant states that she obtained a loan last year, which includes a
  yearly fee of $25.00. She claims that when she called to pay and cancel the loan, she was
  informed that she couldn't cancel because she had opted out of text messaging. She was
  told that an email would be sent to her to reinstate text messaging so she could proceed
  with the payment and cancellation. The customer feels that the process seems designed
  to prevent her from canceling and is seeking a simpler way to complete this action.
  A review of our records confirms that on October 21, 2024, the customer contacted our
  customer service department to pay the annual fee and close her account. She attempted
  to make the payment via debit card over the phone but was unable to complete it due to
  her opt-out status for text messages, which prevented her from signing the payment
  disclosure. On the same day, the customer agreed to opt back into text messaging.
  We would like to emphasize that we offer several alternative payment methods, including
  our online portal, mail-in payment, and in-store payment options.

  
  A review of the payment history confirms that on December 13, 2024, the customer called
  our call center to make the final payment on her account and successfully closed it. The
  customer's account is now closed.

  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify
  the matter. If you have additional questions or concerns, you may contact FirstFin Credit
  directly at ###-###-####.

  
  Sincerely

  
  FirstFin Credit Customer Service

  ***********

  ###-###-####

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

  Customer Answer

  Date: 12/19/2024

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

• Initial Complaint

  Date:11/14/2024

  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.

  *** Cashier's Check was cashed by this company on Oct. 29. I sent the check to the PO Box in Dublin, Ohio. This company claims they have not received my payment of 870.00, but the company has cashed my check. *** has verified the check has been cashed by them, and there is a photo of this. In the meantime I still show a balance accruing interest on my first fin credit account. This company is a SCAM and has stolen my money and keeps calling me for my payment.

  Business Response

  Date: 12/03/2024

  *********************
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant states that she sent in a cashier’s check, but was informed that her payment was not received, even though her financial institution confirmed that the check was cashed.
  
  Upon reviewing the customer's account, we confirm that we received a call from her on October 30, 2024, advising that she mailed in a payment of $870.00. She was informed that processing could take up to 7 days. Despite several follow-up calls from the customer, she was repeatedly informed that the payment had not yet been posted to her account.
  
  Due to the missing payment, the customer's account was escalated for further review. Upon escalation, we located the missing payment. It appears that the customer did not include her FirstFin Credit account number on the payment, and the endorsee name on the check did not match the name on her FirstFin Credit account. The payment has been applied to the customer's account, and any additional fees incurred due to the late payment have been updated. We apologize for any inconvenience this delay may have caused.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If the complainant has additional questions or concerns, she may contact FirstFin Credit directly at ###-###-####
  
  Sincerely,
  
  FirstFin Credit Customer Service 
  ** *** ******  ******* ** ******* 
  ###-###-####?? 
  ********************************** or ************************** 

• Initial Complaint

  Date:09/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 26, 2024 firstfin took out $286.99 from my account.

  According to online, I’m not able to make payments because they sold my debt if they sold my debt, they should not have access to my account and should be withdrawing funds from my account when I called in the rude (word rejected).

  Customer service agent verified me and then said well. This is not a discussion. I’ll give you the number to whoever and you can talk to them

  Well this reads on my statement from your company not another company. You have not tried to withdraw funds in my account which can be proven from my bank statements since June so three months later more than three months later you decide that you’re going to pull from my account if my account with you is closed and I can’t make a payment personally you are not allowed to pull from my account you sold my debt to someone else. Therefore, you have no right to it.

  You sold that so that is no longer yours. That is on someone else to contact me to try to resolve the matter, not for you to pull from my account that is fraudulent once you sell someone’s information to somebody else you should not be holding onto it and that is what you did you withdrew from my account but yet still sold it to someone else to get additional funds and that is not going to happen.

  You have been blocked from my account and I will be disputing this as this is fraud. All account numbers of mine need to be deleted out of your system. You are no longer allowed to touch any funds in my Account you no have any Right to pull from my account.

  For several months, you refuse to take payments and then you decide to take a payment randomly after selling something that is ridiculous.

  Your customer service needs work as well because your customer service agents are rude and disrespectful and do not get a chance to speak to people anyway they feel like if you don’t like your job quit

  Business Response

  Date: 10/02/2024

  October 2, 2024
  
  Better Business Bureau
  **** ****** *** ********* ** *****  
  
  RE: BBB Complaint ID: ********
  
  Dear BBB Dispute Resolution Team:
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin
  Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy
  to provide a formal response.
  
  To summarize, the Complainant claims that he is still being debited by FirstFin Credit, even though his
  account was sold to another company.

  
  Our records indicate that on April 18, 2024, our customer visited a Check Smart in **********, ****
  where he applied for a Line of Credit account with FirstFin Credit. Following approval, a $500.00 line of
  credit was granted, with a draw of $500.00 being executed on the same day.
  
  A review of the account history confirms that the account came delinquent on June 14, 2024. Despite our
  efforts to establish a suitable payment arrangement, the account remained delinquent and was
  subsequently sold to ********* ******* ****** ***** LLC ("*********") on August 18, 2024.

  
  It is important to note that FirstFin Credit has not made any collection attempts on this account since it’s
  been sold. The transaction details from the charge in question may reflect “FMR FIRSTFIN…”; with a
  phone number that belongs to the appropriate company that owns the debt.

  
  Should our customer have any further questions or concerns regarding this account, please contact
  ********* at ###-###-#### or at the following address:

  ********* ******* ****** ***** LLC
  **** *** **** ********* **** *****
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If
  you have additional questions or concerns, you may contact FirstFin Credit directly at ###-###-####.
  

  Sincerely,
  
  FirstFin Credit Customer Service
  ** *** **** ******* ** *****
  ###-###-####
  ********************************** ** *************************

  Customer Answer

  Date: 10/03/2024

  [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: 

  as the screenshot shows, the funds were taken from you all you never tried to contact me or anything. The amount that was taken out in April was already paid back. No attempts to collect from anything that was taken After that have ever been attempted to be made. Several months had past and no attempts. Who ever it was sold to was not given access to my account and you don’t have authorization to give my account information to anyone that fraud. 
  
  Regards,
  
  *** ******

• Initial Complaint

  Date:06/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was charged interest days after paying my balance and late fee and interest payment for that cycle. The agent whom accepted my payment informed my I could reload immediately. I denied. She actually didn't inform me, she persisted on me to reload which I declined. It was interesting because she didn't even ask if I wanted to reloan she just assumed and began to process another loan. When I informed her that I won't be borrowing at this time she didn't inform me of any interest to be accrued on a ZERO BALANCE account. I'm not sure if this is even legal. How are you charging me interest 3 days after my payment with my DEBIT CARD (no delay or wait for the payment to clear). I'm unsure how much unearned interest I've paid since using their services the last few months.... I would like this interest waived as it was charged to my account on the 7th yet my balance was brought to 0 on the 4th. I feel like this is fraud and stealing consumers money without them knowing. I would like the adjustment to my account to reflect the balance as a true 0. And to review my account for any interest that I paid that was incorrectly charged to me.

  Customer Answer

  Date: 06/20/2024

  The company is continuing to call me, and send me messages but disregards my attempt to clarify that my account was paid days before any more interest accrued on the account. 

  Business Response

  Date: 06/20/2024

  
  First ************* of ***** dba FirstFin Credit is in receipt of the above reference complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant claims she is being charged interest despite paying off her account balance and does not understand why interest is accruing with no outstanding balance. She is requesting her balance to be zeroed out and a refund, believing she has been defrauded and charged unearned interest.
  
  Our records confirm that on March 28, 2024, the customer visited a ********** Check Cashing store in ********, **, and obtained a Line of Credit account with ******************.
  
  A review of the payment history shows that on May 9, 2024, our customer took an advance of $650.00, which was due on May 24, 2024. On May 23rd, she informed us she could not pay on time due to medical expenses and requested an extension of two weeks. According to the terms in the Line of Credit Agreement, interest continues to accrue on the outstanding principal until the account is current,and a late fee is assessed after 11 days of delinquency. The customer did not make her payment until June 4, 2024.
  
  The interest in question was accrued from May 25th through June 7th, coinciding with the billing statement sent on June 7, 2024. The customer had an outstanding balance for 11 days within the 14-day billing period.
  
  Based on these facts, the customer is not due a refund for any monies paid on her account, and we cannot waive the interest accrued during the statement period when there was an outstanding balance.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If the complainant has additional questions or concerns, she may contact FirstFin Credit directly at **************. 
  
  Sincerely,
  
  FirstFin Credit Customer Service  
  ** *** ****  
  *********************; 
  **************  
  **************************************** or ************************* 
  
  

  Customer Answer

  Date: 06/21/2024

  The response received states and confirms I was charged interest from May 25th 2024 - June 7th 2024 which is fraud as he, ******, from FirstFinCredit, confirmed my account was paid on June 4th, yet interest was charged UP UNTIL JUNE 7TH, 2024.

  This is not legal. Even with the "terms of the loan." You cannot charge me interest ON PRINCIPAL THAT WAS PAID OFF ON JUNE 4TH. His message below states I was charged interest on outstanding principal which is false. How am I charge outstanding principle if the account was paid? 

  As mentioned before AND IGNORES BY FIRSTFINCREDIT, the representative whom assisted me with processing my payment, should have informed or added this total to my amount to pay IF THAT IS FIRSTFINCREDIT'S policy. Right? I need this interest waived and this representative PROPERLY TRAINED to aid in financial consumer inquires. 

  As also mentioned, I'm recovering from surgery and NOT working. No income is being generated until able to return to work, which is not anytime soon as my vision is impaired. 

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

  Customer Answer

  Date: 06/21/2024

  Hi BBB, thank you for your quick reply and attention to the matter. 

  Ive attached a screenshot of my bank account showing the transaction posted on June 4th, 2024, total $742.43 to pay the finance fee, interest incrued, late fee, & principal of amount borrowed $650. 

  I've also attached a screenshot of my First Fin Credit account. You can see $674.94 was directly paid to the account. The remainder is the finance fee/transfer fee that Level Pay (3rd party payment processing company) takes to process the payment.

  The break down of this payment is shown as $650 principal payment. $14.94 interest payment. $10 late fee payment. 

  You can also see that 3 days later $5.34 was billed to the account. I called on June 4th to PAY OFF MY ACCOUNT AND CLOSE THE ACCOUNT. The representative who took my payment didn't even close my account! They tried to pressure me to reloan and scam me into paying this interest! It's absurd. 

   

  Customer Answer

  Date: 06/21/2024

  Please also see where my portal for FirstFinCredit shows a "LAST STATEMEMT BALANCE $0" 

  Proving my account balance was 0 and should be honored as paid and closed as I requested done June 4th 2024.

  Customer Answer

  Date: 06/21/2024

  Hi BBB, thank you for your quick reply and attention to the matter. 
  
  Ive attached a screenshot of my bank account showing the transaction posted on June 4th, 2024, total $742.43 to pay the finance fee, interest incrued, late fee, & principal of amount borrowed $650. 
  
  I've also attached a screenshot of my First Fin Credit account. You can see $674.94 was directly paid to the account. The remainder is the finance fee/transfer fee that Level Pay (3rd party payment processing company) takes to process the payment.
  
  The break down of this payment is shown as $650 principal payment. $14.94 interest payment. $10 late fee payment. 
  
  You can also see that 3 days later $5.34 was billed to the account. I called on June 4th to PAY OFF MY ACCOUNT AND CLOSE THE ACCOUNT. The representative who took my payment didn't even close my account! They tried to pressure me to reloan and scam me into paying this interest! It's absurd.
  
  Please also see where my portal for FirstFinCredit shows a "LAST STATEMEMT BALANCE $0" 
  
  Proving my account balance was 0 and should be honored as paid and closed as I requested done June 4th 2024.

  Business Response

  Date: 06/26/2024

  Better Business Bureau
  2655 ********* Dr.
  ********************
  
  RE: BBB Complaint ID ******** Follow up Correspondence
  
  
  Dear BBB Dispute Resolution Team:
  
  First ************* of ***** dba FirstFin Credit is in receipt of the customers follow-up correspondence associated with the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter. Please allow this to serve as our formal response.
  
  The customers follow-up correspondence relating to Complaint ID: ********, did not raise any new points that were not already raised in the customers original complaint, which we already acknowledged and responded to on June 20, 2024. Nonetheless, we are happy to provide additional details to assist our customer with her concern.
  
  The $5.34 interest in question on the customers account accrued from May 25th through June 7th, coinciding with the billing statement sent on June 7, 2024. Although the customer made a payment on June 4th, it was originally due on May 24th. Consequently, the customer had an outstanding balance for 11 days within the 14-day billing period ending on June 7th.
  
  Contrary to the statement made in the customers follow-up correspondence about her statement balance showing $0, it is important to note the billing statement closing on June 21, 2024, reflects a previous balance, and a now past due balance of $5.34. Once the past due balance is paid, we will gladly proceed with closing the account as per the customers request.
  
  We thank you for the opportunity to respond.

  Customer Answer

  Date: 07/13/2024

  I wish to reopen this complaint as I've been in and out of the hospital and am now able to respond to messages, emails, and follow up on my inquiries/complaints. 

  I am ultimately over 100% dissatisfied with the unprofessionalism and nonempathy received from ****** on behalf of First Fin Credit. It's pretty sad how he wants to *** me instead of assist me with waiving the $5 and sum change that his company neglected to retrieve at time of my final payment. I've been in and out of hospitals following an aggravated assault on me on May 6th 2024. I'm pending victims compensation for the income lost and bills generated due to the incident. It's quite unnerving how ****** doesn't offer any charity or understanding circumstances such as mine. I informed the person when I was CLOSING my account that I've been out of work and not expecting any income as I've been unable to go to work and don't qualify for unemployment. I need to look into disability. You would think, ******, would be empathetic to their CONTINUING customers whom used their services many times. 

   

  ****** refuses to apologize on behalf of HIS employee. And refuses to acknowledge the fact that his employee didn't collect these additional funds. As far as the BBB Should be concerns, I am physically unable to work, have no income coming in, and made this aware to the office when I intented to close my account, the whole reason I needed to close my account. ****** is absolutely rude in the responses received and you can feel his smirk behind the screen. I would appreciate ending the relationship entirely with this company and them closing my account as is and removing the $5 as this can easily be done as charity to me. If you would like my medical bills, let me know. I'm applying for financial assistance in all things in my life, lenience and understanding goes a long way building rapport with your clientele. 

   

  Shows alot if ****** isn't willing to compensate a customer for the misunderstanding on his employees words. 

  I strongly believe he should ensure adequate training is available to these employees, and himself. As no one seems to acknowledge where they could do better. Simply keep saying "it's due. It's due." It wasn't due when I called which was ALSO expressed to me. It shouldn't be due after the fact that I was told my account would be closed after my last payment. I look forward to the BBB's response. Please note: this company is beyond unprofessional that the emails from this company to not greet you, introduce themselves, nor do they conclude the emails with the name of the individual whom is responding..... seems like they are trying to stop consumers from properly filing complaints against aggressive customer service agents. 

  I would recommend that ****** teaches his  agents better etiquette after all they represent the company and everytime I go in the office, the ladies behind the counter don't acknowledge you, tell you to "wait" instead of "please hold" and are always holding side conversations amongst eachother where you don't even have their full attention as a customer. 

  Customer Answer

  Date: 07/13/2024

  I wish to reopen this complaint as I've been in and out of the hospital and am now able to respond to messages, emails, and follow up on my inquiries/complaints. 

  I am ultimately over 100% dissatisfied with the unprofessionalism and nonempathy received from ****** on behalf of First Fin Credit. It's pretty sad how he wants to *** me instead of assist me with waiving the $5 and sum change that his company neglected to retrieve at time of my final payment. I've been in and out of hospitals following an aggravated assault on me on May 6th 2024. I'm pending victims compensation for the income lost and bills generated due to the incident. It's quite unnerving how ****** doesn't offer any charity or understanding circumstances such as mine. I informed the person when I was CLOSING my account that I've been out of work and not expecting any income as I've been unable to go to work and don't qualify for unemployment. I need to look into disability. You would think, ******, would be empathetic to their CONTINUING customers whom used their services many times. 

   

  ****** refuses to apologize on behalf of HIS employee. And refuses to acknowledge the fact that his employee didn't collect these additional funds. As far as the BBB Should be concerns, I am physically unable to work, have no income coming in, and made this aware to the office when I intented to close my account, the whole reason I needed to close my account. ****** is absolutely rude in the responses received and you can feel his smirk behind the screen. I would appreciate ending the relationship entirely with this company and them closing my account as is and removing the $5 as this can easily be done as charity to me. If you would like my medical bills, let me know. I'm applying for financial assistance in all things in my life, lenience and understanding goes a long way building rapport with your clientele. 

   

  Shows alot if ****** isn't willing to compensate a customer for the misunderstanding on his employees words. 

  I strongly believe he should ensure adequate training is available to these employees, and himself. As no one seems to acknowledge where they could do better. Simply keep saying "it's due. It's due." It wasn't due when I called which was ALSO expressed to me. It shouldn't be due after the fact that I was told my account would be closed after my last payment. I look forward to the BBB's response. Please note: this company is beyond unprofessional that the emails from this company to not greet you, introduce themselves, nor do they conclude the emails with the name of the individual whom is responding..... seems like they are trying to stop consumers from properly filing complaints against aggressive customer service agents. 

  I would recommend that ****** teaches his  agents better etiquette after all they represent the company and everytime I go in the office, the ladies behind the counter don't acknowledge you, tell you to "wait" instead of "please hold" and are always holding side conversations amongst eachother where you don't even have their full attention as a customer. 

  Customer Answer

  Date: 07/20/2024

  I am asking again for firstfincredit to offer understanding, compassion, and empathy in regards to my assault on May 6th, of this year. Having surgery June 6th of this year, still recovering today and closing this account and waiving the remaining balance would be beneficial to my mental health and financial standing as I have huge amounts of medical bills that I am now facing and pending a response on applications for financial assistance/compensation for victims. 

  I was able to pay the balance the day I called to do so. And to close my account. ******************** Fin Credit is not acknowledging the fact that I was told the payment was my final payoff and confirmed my account would be closed when doing the payment. It would be very appreciated if they would acknowledge the miscommunication on their behalf. Speak to their employees to avoid mixups, like this in the future, and understand that the amount due shouldn't be mine to pay after the discrepancy. It isn't appreciated that they are not accepting blame, nor are the professional I'm the emails received as they don't announce themselves at the end of the email or anywhere during so I cannot even formally place a complaint against a specific representative.  Almost every one I've encounters isn't the most pleasant even if not rude they just aren't happy. I would truly appreciate first fin credits understanding and charity of a small amount in this difficult time

  Customer Answer

  Date: 08/06/2024

  I did not receive a response to my last reply to the business. The business fails to acknowledge my complaints on their unprofessionalionalism and harassing phone calls. 

  Customer Answer

  Date: 10/01/2024

  From: ******* V <***********************************>
  Date: Sat, Sep 28, 2024 at 12:52 PM
  Subject: Re: 67837240046AC
  To: <*********************************************************************************>
  
  
  Complaint # is attached here. 
  
  On Sat, Sep 28, 2024, 9:51 AM ******* V <***********************************> wrote:
  Good morning BBB of ****,
  
  I am emailing in regard to my claim as it has expired but I have an update to provide and another complaint. I never received a response from FirstFin Credit based on their customer service and unprofessionalism. ***** completely disregarded this part of my complaint. He does not practice common courtesy, nor does any employee of his company as my complaint states. I actually received a response from ***** in Defense to the agents behavior basically saying they did nothing wrong by not mentioning my interest after the due date etc. He didn't address my concerns about the way his agents withhold themselves nor about the phone calls/emails with no one announcing themselves. 
  
  I also read into my loan where one terms specifies that any outstanding balance would be subtracted from the available credit amount. If my available credit was $650. Why would he not mention this to me? I believe he is a jerk who shouldn't be head of company with his outrageous way of responding and handling customer complaints. I made payment of $5.34 and they still removed the $5.34 from my available credit line which is illegal. My complaint that this company participates in fraudulent activity against their customers still stands. 
  
  Also as promised PER MY BBB COMPLAINT AND ONE OF HIS RESPONSES, he stated my account would be closed when the $5.34 is settled. If his company robbed my credit line of $5.34 WHEN A CASHIERS CHECK WITH MY ACCOUNT STATEMENT PAYMENT VOUCHER was sent the week of 9/12/2024, why is my account still active? 
  
  I have new complaints now about how he refused to even mention the fact that the balance could've been resolved via a deduction of my credit line once I disclosed how distressed and unsettled I was as well as my personal circumstances. I would like to escalate this claim to the highest available as this individual refused to offer the simplist customer service and added to my distress after my surgery. ***** decided to add to my problems instead of providing me with the assistance. He knowingly had knowledge of how he could ease my problem, remedy my issue, and maintain report with a disgruntled customer. Instead he chose to be on a high horse, not apologize, not explain, withhold information, and now *** me of $5.34. 
  
  I demand a PROPER apology, thorough explanation, and refund. I take my mental health very seriously. While the $5.34 may not matter to you, it was $5.34 taken away from my $9,000 accumulated medical bills. Thank you for failing to provide the upmost customer service that you are capable of. I hope you do better for the next, but I truly hope you step away and reflect on how you could have better responded and acted on behalf of your company.

  Customer Answer

  Date: 10/12/2024

  I need this complaint reopened as my most recent email to BBB states the complaint is not resolved as the company was SENT A CASHIERS CHECK FOR THE BALANCE AND STILL SUBTRACTED THE BALANCE FROM MY CREDIT LINE. As mentioned in the same EMAIL, they could have INITIALLY MENTIONED THIS WAS AN OPTION. Instead of causing more distress to their client. Please thoroughly review my complaint instead of sending a generic response. It would be appreciated. 

  Customer Answer

  Date: 12/16/2024

  ********* ***** - Voicemail box 204 <********************************************>
  Attachments
  Dec 14, 2024, 2:26 PM (2 days ago)
  to info
  
  GoTo logo
  You received a new voicemail message
  Info New voicemail message
  Time: Saturday, December 14 2024 2:24 PM
  From: ********* ***** **************
  Duration: 1 minute 3 seconds
  Voicemail box: 204
  Transcript:
  Hello, my name is ******* **********. I don't have my complaint number available as of closed. I have to look through my emails, but I have previous complaint on first-in credit, and I received an email from the BBB that it was closed because no other, like, nothing new was updated, but I did update with new facts, and I presented proof that I settled the account with a $5 balance, and that they still have my account open, that they didn't complete their promise to cancel my account and close it as did standing and I just need this claim to be reopened. If I could get somebody to call me back that would be great. ************. Again ******* ********** ************. I will either need to create a new claim or if I could just reinstate the original that would be great because that has all of the notes and everything already included. Again, ******* **********, ************. I hope to hear from somebody soon. Bye-bye.

  Business Response

  Date: 12/20/2024

  Better Business Bureau
  2655 ********* ******************** FL 33759

  
  RE: BBB Complaint ID ******** Follow up Correspondence

  
  Dear BBB ****************************************************** of Pasco dba FirstFin Credit is in receipt of the customers follow-up correspondence
  associated with the above referenced complaint, and we welcome this opportunity to respond to help
  clarify and resolve the matter. Please allow this to serve as our formal response.

  
  The customers follow-up correspondence relating to Complaint ID: ********, did not raise any new
  points that were not already raised in the customers original complaint, which we already acknowledged
  and responded to on June 26, 2024. Nonetheless, we are happy to provide additional details to assist our
  customer with her concern.

  
  The complainant alleges that we didnt keep our promise of closing the account after receiving the
  payment of $5.34.

  
  Contrary to the statement made in the customers follow-up correspondence about her account still
  reflecting open, it is important to note that the account was closed as requested. The complainant can
  confirm this information by logging into the portal at **************************************** or
  *******************************

  
  We thank you for the opportunity to respond.

• Initial Complaint

  Date:06/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a payment for a loan for 563.00 that was due on May 17th, 2024, the payment did not go through because I had to get a new debit card because it was stolen. I called on May 20, 2024 and paid the balance over the phone to a CSR by the name of ***. It is now June 7, 2024 and they are saying that they still do not have my payment. I have emailed my bank statement, I have called asking for a supervisor and I keep getting told they will call me back which no one never does. Each CRS give me different reasons on why my account is not fixed. I keep getting collection calls and text messages from their company and ***** *****

  Business Response

  Date: 06/17/2024

  *************
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference
  complaint. FirstFin Credit values the Better Business Bureau's role in addressing
  consumer concerns. We are pleased to provide a formal response.

  
  To summarize, the complainant states that she made a payment over the phone with
  customer service on May 17th. However, she was later informed that her payment was
  not reflecting on her account and that the account was now past due. The customer
  states that she has provided her bank statement showing the successful payment and
  has asked to speak with a supervisor but has not received a callback or assistance and
  is now receiving collection calls.

  
  A review of our customer’s account history confirms that we received a call from the
  customer on May 18, 2024, requesting to make a payment on her account. Upon
  processing the payment, the handling representative advised the customer that the
  system did not show that the payment went through, despite the customer's bank
  account reflecting the transaction. The customer was asked to email a copy of her
  running bank statement to help us investigate the missing payment.

  
  The customer made additional calls regarding the missing payment and was informed
  that her documents needed to be reviewed before her account could be updated. Once
  we received and reviewed her bank statement, our Merchant Services team verified the
  payment and updated her account accordingly. We apologize for any inconvenience this
  may have caused.

  
  In closing, we appreciate the opportunity to respond and hope this clarifies the matter. If
  the complainant has additional questions, she may contact FirstFin Credit directly at
  ###-###-####.

  
  Sincerely,
  FirstFin Credit Customer Service
  ** *** **** ******* ** *****
  ###-###-#### ********************************** or ***********************