Review and analysis of over 143 Payday Loan complaints against Community Choice Financial, Inc.
Community Choice Financial, Inc. consumers have reported over 143 official complaints related to Payday loan. Out of the 143 consumer complaints against Community Choice Financial, Inc., 15% were disputed by the consumer (i.e. the consumer was not happy with how Community Choice Financial, Inc. responded to their complaint) and 100% were processed in a timely manner. 1% of consumer complaints against Community Choice Financial, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 9% resulted in non-monetary compensation.
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Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account November 4, 2016 - I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing - dollars everytime. Making it harder for me to repay them back. I have - loans out one at Check Smart and one at - -. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.... |
Community Choice Financial, Inc. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt November 1, 2016 - A few weeks ago I had a an overdraft fee from first Virginia, I called them to ask why they 'd taken so much from my account. I do recall setting up an ACH auth in -/-/2010 but this time they took too much, and last week took another payment which caused ANOTHER NSF. The problem is I 'd filed a complaint with a manager about how the collections specialist and team supervisor was rude. A few days after that, I set up a payment arrangement with another rep for -/-/- yet they took the money several days sooner even though I was only 3 days late. I think it was a form of retaliation and sha... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender October 23, 2016 - I was trying to log into my account to see what my balance is because I received a letter from a third party collection agency but have yet to receive any billing notification from Cash Central. When I was finally able to get in touch with the company they gave me a phone number to a company that does not even exist.... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account October 17, 2016 - this lender has called my work numerous times after I 've asked them to stop. they will not stop calling 3-5 daily.... |
Community Choice Financial, Inc. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt October 5, 2016 - Hi there, I got a payday loan with Cash Central in the amount - - I have been using their service for over a year and always pay on time. This time I took the option of breaking the repayment into 4 monthly payments of - ( totaling - ) so I could stop re-loaning. When the 1st repayment date came I realized the payment was attached to the incorrect bank account. I called them to change the accounts but they said i had to wait until the payment was returned. Afterwards instead of making the payment the next day they sent me account to the collections office straight away and charged ... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender October 2, 2016 - Lender sent me a letter Demanding payment in full. They assume I 've been avoiding them and I have n't because they never contacted me to setup a payment plan.... |
Community Choice Financial, Inc. Payday loan payment to acct not credited payment to acct not credited August 22, 2016 - Please do not eliminate limits on borrowing funds for Pay Day Loans. We have at least several employees in my company that depends on this loan to pay their rent and use for emergency. Eliminating this service would cause many people hardship.... |
Community Choice Financial, Inc. Payday loan payment to acct not credited payment to acct not credited August 15, 2016 - Cash Central has been tapping my cell phone and calling it with a reference number being provided after I made arrangements with their Collection department who gave me the extension on my next payday to pay on a new loan after I paid off the old one less than a month ago. I have not been do even thirty days late but they have been calling from a - - company and all week every single day harassing me after I spoke to several Cash Central Managers all last week and the end of last week I spoke to customer service who noted the small debt I owed which is around - due to other fees. I ha... |
Community Choice Financial, Inc. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt August 13, 2016 - I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( $230.00 ) plus a fee for the NSF bringing the total to $270.00. I arranged payment -/-/2016 for a payment on -/-/2016. Cash central instead pulled $270.00 from my checking account on -/-/2016. The payment cleared because I had the funds to cover it. The company then again withdrew $270.00 on -/-/16. When I sent screenshots... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect August 5, 2016 - I have been getting payday loans from this company for years and this month because my last was not within 30 days of -/-/- they had to date this month 's loan for -/-/- and instead of holding it for -/-/- in good business practice. Instead they deposited it on -/-/-. Other companies call and ask if that date is okay or not. I was charged a $29.00 NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect July 29, 2016 - I took out a payday loan with Cash Central. Over the last year, I have taken out several loans from them and paid everyone back in full. My situation changed drastically after I took out my last loan. I lost authorization to continue to use the checking account I was using. My checks stopped going into that account as well. I contacted Cash Central to explain to them I no longer had access to that account and see if I had options. I was told " I signed a contract for a single payback, not a long term payback ''. I explained to them my situation again asking for assistance. They told me they wo... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account July 27, 2016 - I applied for a payday loan with cash central on -/-/2016 total amount - they ran the principal & finance amount payment through on -, by - or -, I did get have majority of the loan paid down to -. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the - on - I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with ... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender July 26, 2016 - I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them $640.00 via a - card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay $8000.00. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect July 26, 2016 - I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on - of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to - debt collector then that debt collector sold it to national check resolution also go by - recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give th... |
Community Choice Financial, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for May 31, 2016 - I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will har... |
Community Choice Financial, Inc. Debt collection improper contact or sharing of info contacted employer after asked not to May 10, 2016 - Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " - ''.... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect April 13, 2016 - Lender sold my account to another company called - - - at - ext. - ... |
Community Choice Financial, Inc. Payday loan payment to acct not credited payment to acct not credited April 12, 2016 - I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, - number they have to call back does n't work ( - ) - - ; had to do a - search to find a working number and when I got through to someone her name was - -, she was E-TREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then t... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account February 27, 2016 - I took out a loan and it was due on a Friday. They called me on Wednesday and told them I would be there on Friday between --. They called me at - -. on Friday morning. I told them the same thing. They called again at - -. to 'make sure I was still coming in. '' When I took out another loan, I fell behind in the payments. The phone calls then increased. I got over 15 calls a day from them. I was in a meeting one morning and when I could n't answer the phone, they called 8 times back to back. I then began getting calls from them and they would hang up as soon as I answered. I... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account February 26, 2016 - I obtained $600.00 from First Virginia Loans in - of -. I have paid monthly and still the balance is $480.00. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure t... |
Community Choice Financial, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for February 25, 2016 - Was contacted by Cans Central of Tennessee, LLC address - - - - - -, Utah - phoone - saying that I owed them money on a payday loan. I have never applied for a payday loan and do not have any idea who they are or where they are. They would not provide me an ip address or any other information and all they had was my name address and home phone number. They asked me for the last - digits of my social to verify but they did not tell me the number they had. I called them back and they sent me a letter telling me how to dispute the charges. I have never made the charges ... |
Community Choice Financial, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for February 23, 2016 - On Sunday - -, 2016 I was called by Cash Central in -, Utah, a company I 've never heard of. The caller, a woman named -, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named -. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Mond... |
Community Choice Financial, Inc. Payday loan payment to acct not credited payment to acct not credited February 17, 2016 - I had a loan back in - with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of - they are saying my loan is in default and I have n't made any payments. ... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender February 1, 2016 - Lender made an unauthorized hard credit inquiry and will not remove it. ... |
Community Choice Financial, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for January 9, 2016 - On -/-/-, I received a voice message from - -, who notified me about legal action will be taken against me. She threatened to visit my home on - to obtain my signature on her paperwork. - - did not indicate which agency she is representing, but she left a phone # - & reference # - to follow up ; I called the number, spoke to - - of - - ; he retrieved my file, advised me that I applied for loan dated for - -, - ; he threatened that legal action will be taken against me ; he asked if I was in the position to pay the account ; if so, he might be able... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender December 17, 2015 - I 'm not sure I selected the correct option, but I would like help in solving the following problem. On - -, 2015, I received an alert from the - credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted - to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact -. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my informatio... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender December 15, 2015 - I rec 'd phone call from this company called - @ phone # ( - ) - regarding cash loan payment from cash central. They are the 3rd party. I have paid portion of the loan and now, different company is calling me representing Cash Central. They 're trying to scare me to take me to court. ... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender December 11, 2015 - Check smart is calling my place of work and when I asked that they stop they refused, telling me to call a different office but refused to provide that phone number. ... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect December 9, 2015 - On - -, I took out a $200.00 loan from this company ( Cash Central ). I refinanced this loan shortly after I took it out because I knew I could n't make the complete payment on -/-/-. I got an e-mail stating the refinance was approved and that on -/-/-, I would have $120.00 taken out and the remaining amount taken out on -/-/-. Two payments of $120.00 which would total $250.00. On -/-/-, I received an e-mail stating that $150.00 would be taken out on -/-/- and to make sure that I had funds available. I responded to the e-mail stating that I did n't unde... |
Community Choice Financial, Inc. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt November 30, 2015 - Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since - ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ... ... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account November 18, 2015 - -/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative $500.00 and we 're looking at $300.00 in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/departme... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls November 16, 2015 - check smart is corporate office for Easy money in - tn. At first the local Easy Money on - - in - kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well. ... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls November 16, 2015 - check smart is corporate office for Easy money in - tn. At first the local Easy Money on - - in - kept calling me - times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well. ... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls November 13, 2015 - A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months - - - has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other nu... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls October 31, 2015 - Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is - - she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone c... |
Community Choice Financial, Inc. Payday loan charged fees or interest i didn't expect charged fees or interest i didn't expect October 31, 2015 - -/-/2013, I visited a California Check Cashing location in - -, CA. I took out a $250.00 loan and paid $45.00 in fees. Every two weeks I visited the store and paid off the loan. I would repeat the loan every two weeks because I kept falling behind with my other expenses. Paying the loan back would make me repeat right away to get back on track. I did not give the lender access to my bank account. Instead I would go in every two weeks to pay and repeat the loan. -/-/2013, I did not have enough money to continue repeating this loan. I fell at work and did not have a steady income... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt October 29, 2015 - These people brought a illegal loan usury interest rate account from cash central - ... Cash Central does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is - ... I am - years old and want these people to stop calling me. ... |
Community Choice Financial, Inc. Payday loan can't stop charges to bank account can't stop charges to bank account October 26, 2015 - I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude. ... |
Community Choice Financial, Inc. Payday loan charged bank acct wrong day or amt charged bank acct wrong day or amt October 24, 2015 - Hello. I completed an online loan application on the Cash Central website ( www.cashcentral.com ) and chose to repay the loan on the - of the month. I was approved and several days later discovered I could convert the loan to an extension rather than lump sum payment schedule. I contacted Cash Central and the extension application was emailed and I signed and returned it. When I requested to extend the loan repayment date info was NOT discussed. On - I contacted Cash Central to make a debit card payment however the option is not approved in Oklahoma and in the call the CSR changed the du... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay October 22, 2015 - I have paid these people over $3000.00 on a - acount they say I still owe them $1500.00 ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am - years old. this guy would not give me his name but he at - -. on -/-/2015 ... |
Community Choice Financial, Inc. Debt collection improper contact or sharing of info contacted me after i asked not to October 22, 2015 - Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a - - times who apologizes and promises it will not happen again. They continue to call. ... |
Community Choice Financial, Inc. Payday loan can't contact lender can't contact lender October 20, 2015 - I had to take off work due to my wife having problems with her - - so i called the company and asked to make arrangements due to being out of work and they threaten to take me to court if i couldnt pay in full ... |
Community Choice Financial, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for October 19, 2015 - I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for. ... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls October 19, 2015 - On -/-/- i fell and - and I 've been out pf work. They keep calling me even when i explained my situation that i have n't worked because of my injury. They are also harassing my references i gave them. ... |
Community Choice Financial, Inc. Debt collection communication tactics called outside of 8am-9pm July 2, 2015 - Cash Central is sending me collection emails at - - which is against FDCPA guidelines ... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay June 16, 2015 - Took out pay day loan from Cash Central .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. They tried to get money out of me- I blocked them. Over 15 months later I get threatening calls from - - - -, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. When I called back they said they were mediators and coned me to agree to pay them $300.00 per... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls June 11, 2015 - - they started calling a number that was not my primary number. Then they started calling my references before they tried calling me. They also use a different number every time they call me. -, -, -. This is just - of them. They are getting more aggressive each time they call. They have called - times today alone. I get paid - a month they know this. I ca n't pay until next month. There is nothing else I can do. ... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls June 3, 2015 - The californias check cashing in - - ca on - - - - -..they call from - and different random numbers past - and multiple times a day and said they increased our debt and will continue to do so until we pay .I 've hung up they 've called right back and have call logs to prove it.I have verbally expressed in that my husband went on - and we will make payments or pay in full when we can they refused payments and continue multiple calls per daywith intent to belittle its unprofessional and awful and I tell them the same thing every time the call over and over from diff... |
Community Choice Financial, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine May 26, 2015 - CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me. ... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay May 19, 2015 - Monday morning at -, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by - -, I can pay $680.00 or $100.00. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my - house threatening me and rushing to make a payment. Their are tons of people who owe $4000.00 - -... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay May 19, 2015 - Monday morning at -, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by - -, I can pay $680.00 or $100.00. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my - house threatening me and rushing to make a payment. Their are tons of people who owe $4000.00 payday l... |
Community Choice Financial, Inc. Debt collection communication tactics frequent or repeated calls May 1, 2015 - I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue. ... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action attempted to/collected exempt funds April 17, 2015 - I told them that I lost my job and I will have another job by the - -. I lost my job on - -. I continued to make the payments until I could n't anymore like two weeks ago on - - I wasnt able to make payment and the have called - time a day from - different numbers and I have ask them not to call me until after - - and the man hung up and called me right back the name of the company is Easy Money. ... |
Community Choice Financial, Inc. Debt collection taking/threatening an illegal action threatened arrest/jail if do not pay April 15, 2015 - I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past - days. They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the $630.00 in question - an amount I could have paid at any time, and which I have considered paying to make this go away... |