ComplaintsforRegional Management Corp

• Initial Complaint

  01/13/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Unwanted soliciting from the regional fiance company of New Mexico, llc. I have never had any business of any sort with this business and never consented to soliciting. Me and the members of my household were subject to an attempted murder and arson and any use of our names, addresses or other information has the potential to place our lives and property at risk. I would like all communication from the business and it's associates ended immediately and all of my information they have removed as I have never consented for them to possess, use or distribute my information as it has the potential to place my life at risk. Plus the loan agreement they send is easily forged by someone with malicious intent and I doubt this business would address any potential situation appropriately. Do they really expect me to agree to a contract where I waive my right to a class action and mandatory arbitration? At a 58.99% interest rate? I hope a bill limiting interest rates to 26% will pass in new Mexico this year. Predatory lending in my opinion

  Customer response

  01/21/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  The corporation stated "Finally, you believe the interest rate offered on the solicitation material should be illegal and 

  this type of business practice promotes fraud," this should read "Finally, you believe the interest rate offered on the solicitation material should be illegal and 

  this type of business practice is predatory and the business has no concern for fraud resulting from deficient business practices." 

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

  Business response

  01/24/2022

  January 20, 2022
  
  
  **** *******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. *******:
  
  I am writing in response to the above referenced complaint that you filed with the Better Business Bureau
  (“CFPB”) dated January 13, 2022. Regional Finance Company of New Mexico, LLC (“Regional”),
  appreciates the opportunity to address your concerns. At Regional, we truly value our customers’
  satisfaction and will work toward the resolution of any issues.
  
  In your complaint, you state Regional is sending unwanted offers for financial products. You further state
  you have never done business with Regional and have no plans to do so in the future. Additionally, you feel
  that Regional is putting you and your family at risk by sending mail with your address/personal information
  printed on it. Finally, you believe the interest rate offered on the solicitation material should be illegal and
  this type of business practice promotes fraud. As a result, you demand that Regional cease sending you any
  future offers for loan products.
  
  Upon your request, Regional has updated our records to ensure you do not receive convenience checks or
  other solicitations for financial products in the future.
  
  Regional appreciates your assistance in the matter and thanks you for your feedback.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  01/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I called on Dec 6 2012 at 12:45 to make a payment and spoke with Bonnie. I asked for my account number and told her I wanted to make a payment since my payment is due 9 Dec 2021 I gave here my ATM number. Thinking my payment was made only to get a call today telling me my account was 22 days past due, i told her Bonnie again I had done a ACH only to look to see which account I did it on but said I would come to pay it. So I called to see if I could pay with my ATM only to find out they had it all ready, which was crazy. So I called back and asked if they had a Bonnie and was told yes and was transferred to her and I asked her why she didn’t process my payment on 6 Dec 2021 and she couldn’t tell me why. Now if I had not given them theATM number on the 6th of Dec 2021 how did they know it and why didn’t she process my payment?

  Business response

  02/04/2022

  January 10, 2022
  
  ****** *********
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *********:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  December 31, 2021. Regional Finance Company of Texas, LLC (“Regional”) appreciates the opportunity
  to address your concerns. At Regional, we truly value our customers’ satisfaction and will work toward the
  resolution of any issues.
  
  In your complaint, you state that you made a payment on December 6, 2021, and received a collection call
  from Regional on December 22, 2021, notifying you that your account is past due. You further state that
  you advised you had already made a payment because it was your understanding that monthly payments
  were automatically withdrawn from your bank account, however, you agreed to make the payment at that
  time. Finally, you asked Regional if you could use your debit card to submit the payment and did not
  understand how your card information was saved in Regional’s records if you were not enrolled in
  automatic payments. As a result, you are asking Regional to provide clarification regarding the monthly
  payment process.
  
  Regional’s records indicate you discussed this matter with the District Supervisor on January 6, 2022. After
  a review of the account in question, it was determined that you did not fully complete the online payment
  registration on December 6, 2021; hence, the payment was not processed. Although the purported
  December 6, 2021, payment did not post to the account, your debit card information had been saved in
  Regional’s servicing system. Therefore, the Regional representative was able to locate your card
  information during the phone call that occurred on December 31, 2021. To resolve this issue, Regional has
  agreed to refund the late fee you paid in December 2021 as a courtesy. Please contact your local office
  directly at (915) ******** with any further questions regarding the servicing of your account.
  
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  
  Sincerely,
  
  
  Karie * M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  11/30/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Regional is reporting inaccurate information on my credit report and are refusing to remove from my credit report I DO NOT owe them 8000 at all I want them to remove this they are reporting a completely different amount and dates on Equifax as well!

  Customer response

  12/08/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Regonial Finance is reporting a balance of 8000 dollars I’ve NEVER had a contract with them for 8000 at all. I would like a copy of the original contract, fees , and a break down of how they came up with 8000. As shown in the screenshot they are reporting 3 different balances to the credit bureaus which is a violation of the FCRA! 
  Regards,
  
  ********* ***

   

   

  Customer response

  12/12/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  Several discrepancies on my payment history number 1 I never had branch payment secondly I would never just make a dollar payment in cash ! This is Regonial Finance to keep reaging this account to keep it on my credit. and double the amount that is really owed. 

   

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

  Business response

  12/13/2021

  December 8, 2021
  
  ********* ***
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ***:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated November 30, 2021. Regional Finance Corporation of Virginia (“Regional”) appreciates
  the opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will
  work toward the resolution of any issues.
  
  In your complaint, you state Regional is reporting inaccurate information to the consumer reporting
  agencies (“Credit Bureaus”) and refuses to remove the account in question from your credit history. You
  further state that you do not owe Regional a debt in the amount of $8,000.00, which currently appears on
  your credit report. As such, you feel that Regional should submit a request to correct the inaccurate
  information.
  
  Regional’s records indicate that it had previously submitted a request to reinsert the account in question on
  April 14, 2021, after discovering Equifax had suppressed the reporting of your account. Although Equifax
  was unable to fulfill Regional’s request and Equifax has no record of the account, Regional has confirmed
  that the account is reporting accurately with Transunion and Experian. Please review the enclosed
  documents, which indicate that the account is reporting as charged off. Please note that the account in
  question will continue to reflect an increasing balance until such a time when the remaining balance is paid
  in full. To comply with the provisions of the Fair Credit Reporting Act (FCRA), Regional is required to
  furnish accurate information to the Credit Bureaus, and as such, is required to report the outstanding balance
  as the current balance on charged off accounts. For this reason, submitting a request to correct the tradeline
  associated with the account is not the appropriate course of action at this time.
  
  Regional appreciates your assistance in this matter and thanks you for choosing Regional for your financial
  needs.
  
  
  Sincerely,
  
  Karie *. M*****
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

  Business response

  12/13/2021

  December 8, 2021
  
  ********* ***
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ***:
  
  I am writing in response to the above referenced rebuttal that you submitted on December 8, 2021, in
  association your complaint previously filed with the Better Business Bureau (“BBB”). Regional Finance
  Corporation of Virginia (“Regional”) appreciates the opportunity to address your concerns. At Regional,
  we truly value our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your rebuttal, you state that you did not open an $8,000.00 loan with Regional. You further state that
  Regional is violating the Fair Credit Reporting Act (“FCRA”) by reporting different balances to three
  different consumer reporting agencies (“Credit Bureaus”). As such, you are requesting copies of your loan
  contract as well as a schedule indicating how payments and charges are applied.
  
  As previously stated in the enclosed response letter dated December 8, 2021, Regional had attempted to
  have the tradeline associated with the account in question reinserted after discovering that the account did
  not appear on your credit report from Equifax. Equifax did not fulfill Regional’s request and therefore, the
  account is not reporting to Equifax, nor will it appear under your profile from Equifax. Regional has
  confirmed that the account in question is reporting correctly with Transunion and Experian. Please review
  the enclosed reports from Transunion and Experian and notice that both documents reflect a balance of
  $8,977.00. Although the enclosed copy of your loan contract indicates an original loan amount of $4,831.20,
  your current balance has increased due to nonpayment and will continue to do so until such a time when
  the remaining balance is paid in full. Please see the enclosed payment history reports, which provide details
  as to how payments were applied on the accounts originated in your name. Regional would like to reiterate
  that it is required to furnish accurate information to the Credit Bureaus, and as such, is required to report
  the outstanding balance as the current balance on charged off accounts. Finally, third party credit monitoring
  applications such as ******** ** do not always reflect accurate balances. True balance information can be
  obtained from the Credit Bureaus.
  
  Regional appreciates your assistance in the matter and would like to thank you for choosing Regional for
  your financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  Enclosure(s)
  
  Regional Finance
  *** ********** Road, Suite *, Greer, SC 29651
  www.regionalfinance.com
  (864) *** * ****
  
  
  December 8, 2021
  
  ********* ***
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ***:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated November 30, 2021. Regional Finance Corporation of Virginia (“Regional”) appreciates
  the opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will
  work toward the resolution of any issues.
  
  In your complaint, you state Regional is reporting inaccurate information to the consumer reporting
  agencies (“Credit Bureaus”) and refuses to remove the account in question from your credit history. You
  further state that you do not owe Regional a debt in the amount of $8,000.00, which currently appears on
  your credit report. As such, you feel that Regional should submit a request to correct the inaccurate
  information.
  
  Regional’s records indicate that it had previously submitted a request to reinsert the account in question on
  April 14, 2021, after discovering Equifax had suppressed the reporting of your account. Although Equifax
  was unable to fulfill Regional’s request and Equifax has no record of the account, Regional has confirmed
  that the account is reporting accurately with Transunion and Experian. Please review the enclosed
  documents, which indicate that the account is reporting as charged off. Please note that the account in
  question will continue to reflect an increasing balance until such a time when the remaining balance is paid
  in full. To comply with the provisions of the Fair Credit Reporting Act (FCRA), Regional is required to
  furnish accurate information to the Credit Bureaus, and as such, is required to report the outstanding balance
  as the current balance on charged off accounts. For this reason, submitting a request to correct the tradeline
  associated with the account is not the appropriate course of action at this time.
  
  Regional appreciates your assistance in this matter and thanks you for choosing Regional for your financial
  needs.
  
  
  Sincerely,
  
  Karie *. M*****
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

• Initial Complaint

  11/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The date of the transaction was March 2021. The amount is $2,500.00. A few days ago I checked my credit score. I check it often because I am planning on buying a house soon. I found out that Regional Fiance was on my credit report. I call RF to see why. I was told that corporate sent out the check based on a good credit score. I did not ask for a check and did not know it was sent with the name ***** **** on it. My name is ***** ** **** lll. My fathers name is ***** **** Jr, he received the check and deposited to his account. I asked where did they get my ss#, address and tn#,they said credit bureau. My father also has the same name as I do and the check did not say jr or III. MY DAD cashed the check and did not pay it back, but Regional did not check the information of the person who cashed the check (my father) on the back of the check is his driver license which is not the same as mine no verification was done to make sure the person on the check was the person getting the check. I am requesting that this account be removed from my credit report. ***** * ****, III 956-******** ********@yahoo.com

  Customer response

  12/03/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  
  
  in my original complaint I stated that “Regional Finance appeared on my credit report due to a check being sent to my address under the name of ***** ****.  My name is ***** ** **** III and my father’s name is ***** **** Jr, he received the check and deposited to his account. As it is obvious, My father has the same name as I do and the check did not specify ***** **** Jr  or ***** **** III. 
  
  
  I do not consider this a fraud case since ***** **** did cash your check, but it was ***** **** Jr   Regional did not verify the information of the person who cashed the check (my father). On the back of the check is his driver license which is not the same as mine no verification was done to make sure the person on the check was the person getting the check. I am requesting that this account be removed from my credit report. ***** * ****, III and placed under the correct person’s credit report, ***** * ****, Jr.

  
  
  Regards,
  
  ***** * **** Iii
  

  Business response

  01/07/2022

  December 2, 2021
  
  
  ***** **** III
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID: ********
  
  Dear Mr. ****:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“CFPB”) dated November 29, 2021. Regional Finance Corporation of Texas (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state that an account from Regional appeared on your credit report after a
  convenience check was negotiated in your name. You further state that you were not aware the check was
  sent to you and never requested any such check. As such, you are requesting Regional remove the account
  and delete the trade line reporting to the consumer reporting agencies (“Credit Bureaus”).
  
  Regional’s investigation confirmed a convenience check was negotiated in your name originating the loan
  ending in **** on March 3, 2021, in the amount of $2400. Regional received your fraud claim on November
  29, 2021 and subsequently placed the account in a disputed status with the Credit Bureaus. On December
  1, 2021, Regional forwarded a fraud packet for your completion to the following address:
  
  ***** **** III
  **** ******* Drive
  ******, TX 78045
  
  Regional has enclosed a copy of the fraud packet for your review and completion. Once complete, please
  forward the Fraud Affidavit and all associated documentation to the address below to Regional may
  investigate your claim:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** Road, Suite *
  Greer, SC 29651
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your claim.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

  Business response

  01/07/2022

  December 8, 2021
  
  ***** **** III
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  Dear Mr. ****:
  
  I am writing in response to the above referenced rebuttal that you submitted on December 6, 2021, in
  association your complaint previously filed with the Better Business Bureau (“BBB”). Regional Finance
  Corporation of Texas (“Regional”) appreciates the opportunity to address your concerns. At Regional, we
  truly value our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your rebuttal, you state the enclosed letter dated December 2, 2021, submitted by Regional did not resolve
  your complaint because you do not consider this matter to be a fraud claim. You further state that your
  father, ***** ****, Jr., cashed a convenience check with your social security number and Regional failed to
  verify your father’s information to confirm the correct identity of the payee listed on the check. As such,
  you are requesting Regional remove the account in question from your credit report and submit a request
  to insert the account under your father’s profile with the consumer reporting agencies (“Credit Bureaus”).
  
  To resolve, this matter Regional kindly requests that your father complete the enclosed Social Security
  Number Change form and return it to the branch located at *** **** ****** Road, Suite ***, in ******,
  TX, 78041 so that the account may be transferred under his name. Upon receipt of the completed document,
  Regional will submit a request to the Credit Bureaus and the tradeline associated with the account will be
  removed from your credit report.
  
  Regional appreciates your assistance in the matter and would like to thank you for choosing Regional for
  your financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

• Initial Complaint

  11/15/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I borrowed $2500 from this company. They lied to me about the loan app which had several items on there: ie: Life Insurance Auto Plus Plan, Disability, etc.. I said, I don't need these. I have my own already. They told me don't worry about it, you won't be charged but the verbiage is on all their loans. I said it looks like you are going to charge me. They said no we will not and to just initial to get the $2500. Annual % rate shows 32.366. I have $145 auto debited from my account which they say $72.74 goes towards principal and the rest interest. I have paid them $1160 at which $479 has been applied towards principal. I have a closing coming Nov. 22nd. I am a Realtor and times were tough for me back in March. I called for my pay-off and they said $2463. I said where is the $479 towards principal that I paid coming off the $2500??? They said no, you have pre-paid finance charges making your loan amount $3385.86. I spoke to my dad who is VP at a bank for loans and collections and he said he has NEVER seen a loan with pre-paid finance charges. I have already paid them $531 in interest. They scammed me from the beginning with those different charges and they are scamming me now. They won't answer my questions. They talk over me. My dad seems to think the pre-paid Finance charge amount of $3385.86 is illegal. Premium Life Insurance they charged me $62.05, Disability $212.13, personal property Insurance $295.73. These charges should be subtracted from my loan like they said they would do. I cannot believe I fell for this scam of a company and I stopped my auto-debit today. I am not giving them anymore money until this is resolved. They already have $531 in interest from me. I just want this to be fair. I paid $479 towards principal and that should be deducted from the $2500 loan and NOT the prepaid amount of $3385.86. I feel what they are doing is illegal. Also if the int rate on the note states 32.366% why are they taking 50%? sent third copy, 1st page marked up

  Business response

  12/06/2021

  November 22, 2021
  
  ***** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ******:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated
  November 15, 2021. Regional Finance Corporation of Texas (“Regional”) appreciates the opportunity to
  address your concerns. At Regional, we truly value our customers’ satisfaction and will work toward the
  resolution of any issues.
  
  In your complaint, you state that Regional provided you with a payoff quote that seems inaccurate, as you
  have made seven payments on your loan, and your payoff quote is $38.00 higher than the amount originally
  financed. You further state that there are insurance policies added to your account that you did not need
  and were advised at loan closing that there is no additional cost for these products. Finally, you suspect that
  an incorrect portion of each monthly payment is being applied toward the principal balance on the account
  in question. As a result, you are asking Regional to review your account and make any necessary billing
  adjustments.
  
  Regional’s records indicate you originated an interest-bearing loan ending in **** on November 18, 2019,
  and the total amount financed was $3,285.86. An interest-bearing loan is a loan in which a borrower is
  required to repay the stated principal amount of the loan plus interest accrued interest at a stated rate. The
  “debt” is the principal amount and interest is added to the debt as payments are made vs. a precomputed
  loan where interest for the term of the loan is calculated at origination and included in the account balance.
  To date, you have made seven payments, each in the amount of $144.43, which equates to a total amount
  of $1,011.01. The principal balance on the account to date has been reduced by $290.86 and you have paid
  $720.15 in finance charges. Per the enclosed payoff notice dated November 18, 2021, you would have the
  to submit a payment in the amount of $2,331.14 to satisfy the debt in full, which is $284.86 lower than the
  amount financed at origination. Please be advised that all insurance policies associated with the account in
  question have been cancelled and refunds have been applied toward the balance of the account.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  
  Sincerely,
  
  
  Karie * M*****
  
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

• Initial Complaint

  10/26/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I have tried in several occasions (some examples: on March of 2021 and June of 2021) via phone calls to the phone number: ************ and asked for Regional Finance to STOP contacting me or sending me mail to my location. This company keeps contacting me and they don't provide a clear path to be opted out. They force you to opt out from the general national opt out list but not a path to solely do so exclusively from them. I do want to receive other solicitations from other companies that are reputable, not by companies like Regional Management Corp that tricks US consumers into high-interest rate loans and they hurt the US consumer. This company has failed to STOP contacting me after more than 6 months of trying and I keep receiving unsolicited applications for Loans or Checks in my mail. They also have a USPS agreement where their information is shared in the USPS Informed Delivery platform and they push unsolicited campaigns via this USPS method. At this point, this company has caused me to use my personal device in several occasions, most recently to write this complain after I spent approximately 3 hours on October the 25th of 2021 between the hours of 16:00 and 19:00 in activities related to: - Pick Up my Mail from the Mailing Room - Reading their unsolicited e-mail - Frustration and Confusion - Using my personal computer and internet access to conduct online research and write this complain Because of the above I demand that: - Regional Finance Stops Contacting Me by any means forever. - A compensation of USD $400 for the waste of my time in the form of a check that will be sent to my mailing address present in this complain. Thank you.

  Customer response

  11/01/2021

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  I appreciate all you do and that you allow the American consumer to voice complains here.
  
  Regards,
  
  ***** ******** 

• Initial Complaint

  10/14/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have a loan with this business. I have had the sale cell phone number for about 8 years and the sale work number for about 4 years. All of the sudden they stop calling me and called my ex husband without my consent to ask for me. I called them upset demanding an explanation and they said that they didnt have a good number for me. I explained that my numbers haven’t changed and they never even tried sending me a letter before contacting other people. I have an injunction against my ex husband and it was not acceptable for them to call him. They could have tried other ways to get a hold of me. They didn’t apologize, instead the employee was accusing me and didnt seem to care. I don’t want this ever happening again. They had no reason to skip trace me when they hadn’t even attempted to send me a letter in the mail. Now this person who has nothi To do with me knows my personal business thanks to them.

  Customer response

  10/25/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  This business is not accepting responsibility and accountability for its mistake. This letter is offensive as it is deceitful and it’s also blaming the lack of responsibility on me. Their claims are not correct. They have left me voicemails and I can prove it. They have my cell phone number and the conversation stating the number was wrong never occurred. I spoke with someone there and told them that my cell phone gas not been disconnected or changed and suggesTed that maybe they accidentally called a wrong number, and the lady got defensive and argued with me stating that she knows she didn’t dial a wrong number. My account at the time was due for the current month, as a customer I don’t have the need to lie about my information. It really disturbs me that they put notes in my account with misleading information. I just want them to be accountable for their mistake and stop blaming me. This is horrible business practice to blame the customer when they were the ones who made a mistake. I need an apology from them and their response handles the issue of them contacting my ex but it doesn’t apologize to me. Instead they came out defensing themselves  and not willing to take ownership for their fault. I’m not asking for money, I asking for them to pay better attention when they call me and recognize they were wrong. 
  Regards,
  
  ***** *********

  Customer response

  11/02/2021

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
   I do not appreciate that this company is blaming me for their mistake. They need to acknowledge that they made a mistake but instead they are pointing fingers at me. My phone has been the same number for years. They do not have an autodialer, they have to manually call people, they could have easily miskeyed my phone number. I don’t appreciate them lying and not recognizing their fault. I am not to blame. Their response is accusing me instead of them acknowledging that they were wrong. I am not asking for them to compensate me in any way but I am asking that they treat me with respect and they take ownership of their mistake and apologize to me. Their response is a total insult to me as they covered up their mistake blaming me. The only letter they have ever sent me other than junk mail is the welcome letter. They not once sent me a letter stating that my account was past due or that they were having a hard time reaching me. Either way they lied, because I have phone records that prove they did indeed call me several times. I need a response that is truthful and not the garbage they responded. They need to tell the truth!
  
  Regards,
  
  ***** *********

  Business response

  11/10/2021

  October 20, 2021
  
  ***** *********
  Via Electronic Upload
  
  Re: Better Business Bureau Case Number ********
  
  Dear Ms. *********:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated October 13, 2021. Regional Finance Corporation of North Carolina (“Regional”) appreciates
  the opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction,
  and will work toward the resolution of any issues.
  
  In your complaint, you state Regional performed skip tracing, contacted your former spouse, *****
  ******, and informed him that your account was past due. You further state Regional violated your
  right to privacy and had no need to perform skip tracing as the account in question was not in
  delinquent status. Finally, you state that your cellular phone number has not changed since 2014
  and Regional should have contacted you at that number as opposed to contacting a third party. As
  a result, you are requesting that Regional remove your former spouse’s information from your
  account and apologize for not following proper collection practices.
  
  Regional’s records indicate that you negotiated a convenience check in the amount $2,400.00 on
  April 19, 2021, originating the account ending in ****. Regional attempted to contact you on
  multiple occasions as part of its welcome process at the cellular phone number you provided, only
  to be informed that the number was incorrect. Attempts to contact you at your place of employment
  were also unsuccessful and Regional was unable to leave a voicemail message. As a result of being
  advised that the contact number was incorrect, Regional performed skip tracing according to and
  in compliance with company policy. When speaking to ***** ******, Regional requested that Mr.
  ****** provide an alternate contact number to reach you. Your claim that Mr. ****** was provided
  with the status of your account could not be validated. Please note that, as a courtesy, Regional has
  notated your account to ensure that ***** ****** does not receive any phone calls in the future.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your
  financial needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate

  Business response

  11/10/2021

  October 29, 2021
  
  ***** *********
  Via Electronic Upload
  
  Re: Better Business Bureau Case Complaint ID: ********
  
  Dear Ms. *********:
  
  I am writing in response to the rebuttal submited in relation to the above-referenced complaint that was
  filed with the Better Business Bureau (“BBB”) dated October 13, 2021. Regional Finance Corporation of
  North Carolina (“Regional”) appreciates the opportunity to address your concerns. At Regional, we truly
  value our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your rebuttal, you state Regional’s response to your initial complaint is offensive and deceitful. You
  further state that claims made by Regional in its response are inaccurate and branch personnel became
  defensive after a previous call in which you tried to verify that your phone number was properly
  documented within Regional’s records. As a result, you request Regional take accountability for its actions
  and focus more intently on account details.
  
  As previously stated, Regional attempted to contact you on multiple occasions as part of its welcome
  process at the cellular phone number provided by you. Although attempts to contact you and leave a
  message at your place of employment were unsuccessful, Regional left messages on your personal
  voicemail without receiving calls in return. As a reminder, Regional performed skip tracing according to
  and in compliance with company policy and sent the enclosed welcome letter dated May 4, 2021, to you
  following your endorsement of the convenience check. After review of your account, Regional could not
  locate any record of a conversation with branch personnel in which you suggested that your contact
  information had been entered incorrectly. Please note that Regional has placed a permanent note on your
  account to ensure that the only phone number used to contact you going forward is the number ending in
  ****.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  
  Sincerely,
  
  
  Karie * M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure
  

• Initial Complaint

  08/02/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I reached out 15 times 10 to customer service regarding not getting a statement, you can not reach any one in corporate office. I have not received a statement in over 3 mo, had been paying 2 payments a head to get this loan paid off I have stopped due to the lack of information of pay off on line through the portal it is never updated and when reaching out to them, the excuses are unlimited. I am trying to get my statements either through email or mail! i don't know why this is so hard to do for this company, I am ashamed that they are even affiliated with BB&T. I need my statements, I need them on time also update on the website when payments are made. this company needs to get it together!

  Business response

  08/12/2021

  August 6, 2021
  
  
  ******* **********
  Via Electronic Upload
  
  Re: Better Business Bureau Case Number ********
  
  Dear Ms. **********:
  
  I am writing in response to the above referenced complaint that you filed with the Better Business Bureau
  (“CFPB”) dated August 2, 2021. Regional Finance (“Regional”), appreciates the opportunity to address
  your concerns. At Regional, we truly value our customers’ satisfaction and will work toward the resolution
  of any issues.
  
  In your complaint, you state you have unsuccessfully attempted to contact the Customer Service
  Department on multiple occasions to obtain a copy of your account statement. You further state that account
  information displayed on Regional’s online portal is never properly up to date and you are unable to access
  accurate account information. As such, you are demanding that Regional contact you to resolve the issue.
  
  Regional is unable to locate an account for you using the details provided in the complaint. Please provide
  Regional with additional information such as the account number or full social security number so Regional
  may investigate your concerns further.
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your concerns.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  07/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company bought my information from another company. My social and address. A promotional check in my name, in the amount of $1,400 for a "loan" was sent to a former address of mine and the person that lives there now some how found a way to cashed it. I received a call from this company asking how I was going to set my payment plan. The young lady that I spoke to could not tell me exactly how they got my information and could not reassure me that this fraudulent charge would not affect my credit.

  Business response

  08/12/2021

  August 6, 2021
  
  
  ******** ****
  Via Electronic Upload
  
  Re: Better Business Bureau Case Number ********
  
  Dear Ms. ****:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated July 29, 2021. Regional Finance Corporation of Texas (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state that a promotional check from Regional was sent to your previous address and
  cashed in your name. You further state that you expressed your concerns when Regional contacted you
  regarding a payment plan and the representative could not provide reassurance that the fraudulently
  endorsed check would not impact your credit report. As such, you are requesting Regional remove the
  account and delete the trade line with the consumer reporting agencies (“Credit Bureaus”).
  
  Regional’s investigation confirmed a convenience check was negotiated in your name originating the loan
  ending in **** on July 19, 2021, in the amount of $1400. Regional received your fraud claim on July 23,
  2021 and subsequently placed the account in a disputed status with the Credit Bureaus. On July 26, 2021,
  Regional forwarded a fraud packet for your completion to the following address:
  
  ******** ****
  **** ********* Village Drive, APT ***
  ********, TX 77407
  
  Regional has enclosed a copy of the fraud packet for your review and completion. Once complete, please
  forward the Fraud Affidavit and all associated documentation to the address below so Regional may
  investigate your claim:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** Road, Suite *
  *****, SC 29651
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your claim.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

*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. ↩