Community Choice Financial

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me Regards, [redacted] ***

I reviewed the response made by the business in reference to complaint ID [redacted] , and have spoken on the phone with Cash CentralWe have reached an amicable resolution that will be completed in days Regards, [redacted]

[redacted] [redacted] ** [redacted] [redacted] [redacted] * This responds to your correspondence of June 6, 2014, regarding the above-referenced matterI would like to apologize for not responding to this complaint sooner; however, [redacted] ’s complaint was inadvertently sent to a retail branch location for First Cash Advance, rather than directly to our corporate officeWe do thank you for the opportunity to respond to [redacted] ’s complaint and appreciate the role of your office in resolving customer disputes First, please allow me to apologize to [redacted] for the communications that led her to complain I can assure you that [redacted] ’s phone number has been removed from our call system as of July 2, [redacted] should receive no further calls and, as an added precaution, First Cash Advance has added her telephone number to our “Do Not Contact” database Our records show that the reason [redacted] ’s number was called in the first place was that a First Cash Advance customer listed the telephone number she provided in her complaint, ###-###-####, as valid telephone number to contact them at The calls placed to [redacted] ’s phone number were not placed in any effort to collect anything from her, but rather an attempt to speak to our customer who provided First Cash Advance with this telephone number and represented that it was his/her own number We are not a collection agency, but periodically contact our customers about their accounts As a lender, First Cash Advance obtains a customer’s written consent to contact them using the information that they provide The calls to [redacted] ’s number were solely because our customer listed her telephone number as their own and were intended to make contact with our customer We hope that [redacted] will accept our apologies for any telephone calls or phone messages she may have received that she perceived to be inappropriate In her complaint, [redacted] expresses frustration stating this is the second complaint she has filed with the Revdex.com regarding this matter Our records do not indicate that any previous complaint correspondence has been received from [redacted] directly or from any other agencies on her behalf I do apologize that [redacted] ’s concerns were not addressed and resolved sooner [redacted] should rest easy knowing that no further calls should come to her phone number and the information she has provided will be used to improve our calling protocols I sincerely hope this fully addresses [redacted] ’s concerns If I can be of any further assistance, please do not hesitate to contact me Sincerely, [redacted]

[redacted] [redacted] [redacted] This letter responds to your additional correspondence of August 29, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in mediating consumer complaints and also the additional opportunity to address [redacted] ’s concerns At this time, it appears that we have provided all relevant information addressing [redacted] ’s concerns from his original complaintAs I’ve already indicated, I’d like to assure [redacted] that this matter is being handled and that CheckSmart will continue to cooperate and assist to the extent possible in supplying information to law enforcement that might facilitate any investigation or prosecutionCheckSmart will not make any attempt to collect this from [redacted] , and I would like to assure him that this will not be reported to any of the credit reporting agencies If, at this time, [redacted] remains concerned about his identity, I would encourage him to contact the Federal Trade Commission for further assistance in filing an Identity Theft Report/Affidavit [redacted] can visit their website at www.ftc.gov, or call them at 877-FTC-HELP (382-4357) Should the Revdex.com have any further questions or concerns, please feel free to contact me Sincerely, [redacted]

[redacted] *** [redacted] [redacted] *** [redacted] * This letter responds to your correspondence of August 13, 2014, regarding the above-referenced matterWe appreciate the role of the Revdex.com in mediating consumer complaints and also the opportunity to address [redacted] ’s concerns I have reviewed our records and it appears that we have spoken with [redacted] previously regarding this situationOn July 21, 2014, [redacted] called and spoke with a representative of CheckSmart’s corporate collections department in response to a letter he receivedAt that time, [redacted] advised our representative that he believed he was the victim of identity theftOn July 24, 2014, [redacted] called back in to CheckSmart’s corporate collections department and, at that time, stated he had filed a police report for identity theft and provided the case number assigned to his police report Upon receipt of the case number provided by [redacted] , any account(s) that may have been improperly linked to him have been placed in a “HOLD” status, meaning that no telephone calls will be placed on this/these account(s) while we continue to investigate this matter Please be assured that we will cooperate and assist to the extent possible in supplying information to law enforcement that might facilitate any investigation or prosecution Any request for information from the police or prosecutor should be directed to the attention of [redacted] in the Legal Department and will be handled as expeditiously as is possible We hope that we have been able to address both your and [redacted] ’s concerns; however, should there be any additional documents that he wishes to provide supporting his position in this situation, including a copy of the police report that he filed, [redacted] is welcome to forward such documentation to CheckSmart made out to my attentionShould you have any questions, please feel free to contact us Sincerely, [redacted]

[redacted] [redacted] This letter responds to your correspondence of August 4, 2014, regarding the above-referenced matter Thank you for bringing [redacted] ***’s complaint to our attention We appreciate the role of the Revdex.com in mediating consumer complaints By way of background, [redacted] *** initiated a Consumer Loan secured by her motor vehicle with California Check Cashing Stores, LLC (“CCCS”) on December 1, 2013, in the amount of $6, [redacted] ***’s complaint, as I understand it, is regarding “unprofessional” treatment she received from CCCS’ corporate collections departmentWhen a customer defaults on a loan, it is our standard procedure to contact the customer at the telephone numbers they have provided in an effort to make arrangements with them to pay the balance on their accountThis contact is made only after obtaining a borrower’s written consent to contact them using the information that they provideOur records indicate that an attempt was made to contact [redacted] on August 3, 2014, at which time a message was left for her requesting a return telephone call to CCCS’ corporate collections departmentTwo telephone calls were placed by [redacted] to CCCS’ corporate collections departmentDuring the first phone call placed by [redacted] ***, she was placed on hold and disconnected the call while waitingDuring the second telephone call placed by [redacted] ***, she spoke with a CCCS representative and stated she would make her payment on August 8, Although I have been unable to validate [redacted] ***’s claims of “unprofessional” treatment, I would like to extend my apologies to her for any telephone calls that she received which she perceived to be unprofessional In her complaint, [redacted] requests to “stop my car title loan”As a courtesy to her, CCCS has frozen the accrual of any additional interest on her loanAs of today’s date, [redacted] has a remaining loan balance of $3, [redacted] ***’s future payments will be applied directly to this balance as no additional interest will accrue on her loan provided her monthly payments are made in full and on-time I sincerely hope that the response set forth above provides a satisfactory resolution to this matterShould you have any questions, please feel free to contact me Sincerely, [redacted]

[redacted] [redacted] ** [redacted] [redacted] [redacted] [redacted] This letter responds to your correspondence of August 25, 2014, regarding the above-referenced matter We appreciate the role of your office in resolving consumer complaints Our records indicate that [redacted] requested a loan from Buckeye Check Cashing of Tennessee, LLC (“Easy Money”) on July 28, The loan had an agreed-upon repayment date of August 15, 2014, and she provided a check to pay the loan on that date Our records do indicate that [redacted] contacted the Easy Money retail branch where she obtained her loan on August 13, 2014, and requested that her check be held for deposit until August 22, As a policy, Easy Money will typically hold a check per a customer’s request for one day following the due date printed on the customer’s loan agreementWhen it was noticed that [redacted] ’ check was held for days, it was inadvertently deposited on August 21, At this time, Easy Money has not received notice of dishonor of [redacted] ’ financial institution In her complaint, [redacted] states that, “I know have paid them double ” Our records do not reflect that multiple payments were received for her July 28th loan; however, if [redacted] provides us with a copy of her bank statement reflecting that the check was honored by her financial institution, as well as a copy of a receipt reflecting that she also paid her loan in cash, Easy Money will refund to her any amount by which she overpaid her July 28th loanIn addition, as a good-will accommodation to [redacted] , Easy Money is also willing to reimburse her for any non-sufficient funds fees that have been assessed to her account as a result of any duplicate payment received by Easy MoneyWe’d ask that [redacted] provide copies of her bank statements reflecting any non-sufficient funds fees she was assessed as a direct result of any duplicate payments clearing her bank and/or being paid in cash We regret [redacted] ’ experience at Easy Money, and would like to apologize for any frustration or inconvenience she suffered as a result of this situationTo prevent such situations from occurring in the future, we ask that [redacted] review her loan agreement prior to signing and agreeing to the terms of repayment for any loans she obtains from Easy MoneyAgain, we welcome [redacted] to provide us with documentation reflecting that she double paid her loan and/or documentation reflecting any non-sufficient funds fees she was assessed by her financial institution, and Easy Money will be glad to refund any duplicate payments or non-sufficient funds fees she was assessed as a direct result of this situation I sincerely hope that the response set forth above provides a satisfactory explanation and resolution to this matter Should you have any additional questions, please feel free to contact me Sincerely, [redacted]

[redacted] [redacted] **... [redacted] [redacted] [redacted] [redacted] This letter responds to your correspondence August 26, 2014, regarding the above-referenced matter. We appreciate the role of your office in resolving consumer complaints. Our records indicate that [redacted] requested a loan from California Check Cashing Stores, LLC (“CCCS”) on July 31, 2014. The loan had an agreed-upon repayment date of August 14, 2014, and he provided a check to pay the loan on that date. CCCS deposited [redacted] ***’s check, and it was subsequently returned as an unpaid item by his financial institution on August 21, 2014. As of today’s date, [redacted] ***’s account is paid in full. [redacted] ***’s complaint, as I understand it, is regarding duplicate payment made on his account. Because efforts by CCCS to encourage [redacted] to make payment on his account were unsuccessful, CCCS initiated an Electronic Funds Transfer (“EFT”) using the account information [redacted] provided when he signed his loan agreement. CCCS’ EFT attempts were done in accordance with his agreement. We can confirm that an EFT payment was processed on [redacted] ***’s account in the amount of $300.00 on August 25, 2014. Our records indicate that [redacted] then visited his local branch, also on August 25, 2014, and paid his balance in full. As a result of what effectively became a double-payment, CCCS issued a refund to [redacted] on August 26, 2014, in the amount of $323.00 (the amount of [redacted] ***’s original payment and a $23.00 overdraft charge assessed by his financial institution). [redacted] was refunded in cash and in person at his local retail branch. For ease of reference, I have attached a copy of the refund receipt signed by [redacted] acknowledging receipt of his $323.00 refund. I would like to take this opportunity to apologize to [redacted] for any frustration or inconvenience caused to him as a result of this situation. I sincerely hope that the response set forth above provides a satisfactory resolution to this matter. Should you have any additional questions, please feel free to contact me. Sincerely, [redacted]