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Community Choice Financial, Inc

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Reviews Community Choice Financial, Inc

Community Choice Financial, Inc Reviews (2)

'credit plus', or 'cashcentral.com', or 'community choice financial' is one of the worst companies I have tried to do business with. I submitted all the information required to get a small personal loan on 9/25/2017. I was supposedly completely approved for the loan and told the money would be deposited the next day in my bank. The money was never deposited. I called on 9/28/2017to find out why I didn't get the loan. After being transferred to another agent at least 5 times - each one transferring me to someone else that could not help me. Finally, I was given an agent that seemed to know what she was doing, and was told they called me (I guess on 9/25/2017) and I was supposed to have told them I no longer wanted the loan, which isn't true. I did not receive a call after my initial making an application online. This agent, after telling me about the 'supposed canceling the loan, however, walked me through the process to get the loan and then verified all needed information, and she conveyed to me that the loan was approved and I would see the money deposited on 9/29/2017 in my bank. The money did not get deposited. I called 'them' again at about 10:30 AM on 9/29 and asked for a manager. The agent didn't want to transfer me to a manager but after my asking with a 'please', and giving my name and phone number and being put on hold several times was told a manager would call me. I waited over a half hour for that call and when I didn't receive one I went to their website again and this time used the chat feature telling that agent the same story but she couldn't/wouldn't assist me but could/should have also seen the loan had been canceled but she did not do so just like all the other agents could have also told me it had been cancelled but didn't do so-transfer after transfer. The chat agent did give me the phone number of their 'approval department' finally after repeating the story all over again she was the one that told me because I had canceled the loan when they 'supposedly' called me and I 'supposedly' told them I did not want the loan because this bogus canceling of the loan raised too many flags so they stopped the loan. One of the worst parts of this whole fiasco is that when I needed help their agents didn't want or didn't know who to transfer me to, to really find out what happened. Then they said at one point (that is when I was guided through the whole process step by step again) that the loan was approved, when in fact it was not. Then they couldn't even notify me by e-mail or phone that they had not approved the loan. They need to educate their agents better on the process and who does what and knows what and when needed in all situations. I was simply given the runaround, so this agent or that agent just didn't want to deal with it. I was not loud or rude with them-I may have sounded impatient because after all the transfers I was getting impatient with no answers. Believe me, I won't bother them again. I wish I hadn't wasted my time with them. I have learned before doing business on the internet that I must search for customer reviews on any company I decide to patronize on the internet. Had I done so I would have found that 'cashcentral.com', 'community choice financial', 'credit plus' (whoever they really are) had too many negative reviews, and I would not have patronized/wasted my time on this company. I tried to be patient but in the end, I'm just completely disappointed with a company like this one that just doesn't really care about the customerwhen all is said and done.

Review: I received a loan from First Virginia in August 2015.They customer service is the worst I have ever seen. When you speak to a local customer service representative, the corporate office is on a different system. If you make arrangement with one office, the other office has no information, therefore you receive multiple phone call. I made arrangements for a payment to be made at a later date, but the other office was not aware, so the payment was deducted causing my account to be over-drawn. This has happened more than once.Desired Settlement: I want my over-drafts refunded and I don't want them to call me again. If they need to reach me , do it by mail

Business

Response:

Thank you for the opportunity to respond to the recently filed complaint of [redacted]. We apologize for the delay in our response; however, Ms. [redacted]’s complaint was not received until February 16, 2016. Regardless, we thank you for bringing her complaint to our attention. We appreciate the role the Revdex.com serves in resolving consumer concerns.Our records indicate that Ms. [redacted] requested a Line of Credit from First Virginia Financial Services, LLC (“FCA”) on July 14, 2015. In reviewing our records, Ms. [redacted] did not make her monthly payment due January 26, 2016, so was referred to the corporate collections department on January 27, 2016.In researching Ms. [redacted]’s complaint, on January 26, 2016, Ms. [redacted] contacted the local branch of FCA advising them she would call back on January 27, 2016, letting them know when she would be in to pay. However, our records confirm we did not hear back from Ms. [redacted] until February 3, 2016, so an Automated Clearing House (“ACH”) debit was scheduled on January 29, 2016 using the account information provided when Ms. [redacted] signed her Line of Credit agreement. The ACH debit was executed in accordance with Ms. [redacted]’s agreement. It has been determined that no further course of action is required. Should you or Ms. [redacted] have any additional questions, I can be contact directly by phone or email. Thank you,[redacted]

Consumer

Response:

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I made arrangements with the local office which has no contact with the corporate office. With no contact between offices, the corporate office does whatever they want to do. When I ask did they talk to each other, I was told that they were on 2 different systems. The payment that they took overdrew my account. This month I received a called and I told them that I would get in touch with them and not to debit my account. My father is dying and I am doing what I need to do. I was told that the calls will continue. I have asked them to STOP calling me because they stress me out, but both offices call not knowing or caring that the other office called. When you make arrangement with one the other has no clue. I want then NOT to call me . They can contact me by mail. This was the worst decision I ever made, but I want to get this paid as soon as possible. If they can give me a settlement amount, I will work hard to get them out of my. Regards,

Business

Response:

Ms. [redacted]’s account has been updated so no calls are placed

to her as requested.

We ask she contact [redacted]

[redacted], a senior supervisor in our collections area to make arrangements for

payment of her outstanding account balance.

Ms. [redacted] can be reached at [redacted], extension [redacted].

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Description: PAYDAY LOANS

Address: 1622 E. Main Street, Salem, Virginia, United States, 24153

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