ComplaintsforRepublic Finance, LLC

• Initial Complaint

  08/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My wages are being currently garnished since July of 2024. I am now being contacted since 08/20/2024 up until today 08/22/2024 with attempts to collect payments while I am under a garnishment order. The papers that were served, were given to a minor (age 11) and not to me as I was not home. This occurred twice. The only reason I was made aware of being served, was after I received a garnishment letter in the mail. I then attempted to contact Republic Finance several times, they ignored all calls. Prior to them filing i had been paying on time and monthly until i had an unfortunate event where my mortgage was compromised. I called and had payment arrangements set up. Payments were set on auto pay. 2 weeks later I had fraudulent activity in which caused me to have to cancel my Capital One card and wait on a new one. I let them know that this occurred. I guess during this time, they began litigation. It is not a fair practice to serve documents to minor child. I never received documentation that notified me of a court date at all. After tracking down the documents given to a minor, there is nowhere in the document that states a court date. Nor is it fair to call demanding payments with threats of turning the account over to collections and charge off when payments are being garnished.

  Business response

  09/03/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated August 23, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #22182046. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. As a part of its investigation, Republic Finance’s Regional Vice President (“RVP”) attempted to contact the Consumer to discuss this matter, and to reach a mutually agreeable resolution, with the Consumer. Specifically, Republic Finance’s RVP attempted to reach the Consumer by telephone to discuss this matter on August 23, 2024, August 26, 2024, and August 29, 2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on September 3, 2024 to the Consumer requesting that she return our calls to discuss this matter in detail. As of the date of this response, the Consumer has not contacted Republic Finance.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Republic Finance has been very unprofessional. I had a loan and due to circumstances beyond my control I had to make payment arrangements. The branch agreed and payments were made. After making payments this company began garnishment of my wages. I advised them they stated they would take care of the issue. Each call to the office and the attorney they hired you get a fraudulent answer. How is it legally possible for this combo take payment from me in addition to garnishment. I am beyond disgusted with Republic. As of today after months of trying to have Republic as well as the attorney they hired to STOP ASAP with garnishment nothing. I have paid almost $7k to this company and there attorney. Republic is only hurting honest people who have made pay. Totally unacceptable. The branch manager the receptionist clearly are trained to lie to the customers. Republic has been dishonest with the entire loan process's. The company should be investigated immediately. I have read multiple complaints clearly all the same this is shameful. People are struggling these days and you all continue to take advantage of honest hard working people who fall short. I am requesting a call with a resolution to stop this garnishment immediately and return any monies owed to me. Last note I was also told they would make sure no interest was taken would be waived that didn't happen either so it's all loan practices.

  Business response

  09/05/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated August 22, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #22178327.  As requested by the BBB guidelines, I have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  The Consumer filed a complaint with a federal regulator, the Consumer Financial Protection Bureau (“CFPB”), regarding the same matter on August 21, 2024, which is substantially the same as this complaint that she filed with the BBB. As of the date of this response, the CFPB complaint is still open. Republic Finance is actively investigating that complaint and will respond to that complaint with the CFPB.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  08/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Republic financial does unethical business, My original loan was for 2700 started in 2021 as of today I have already paid 4000 and still have a balance. When I signed up for the loan I was never told I was paying for the insurances on the account. If I did not have all the insurance and was told upfront about that and gave me the option before I took the loan I would’ve never signed up for this. Completely wrong. This is ridiculous. They shall inform people in detail what they sign up for.

  Business response

  08/12/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated August 7, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers.  Please allow this to serve as Republic Finance's response to case #22103210.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. Additionally, Republic Finance’s Regional Vice President discussed the matter in detail on August 9, 2024 and reached a mutually agreeable resolution with the Consumer on August 9, 2024. We mailed a letter under separate cover detailing the corrective action taken. Republic Finance and the Consumer consider this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I never applied for a loan with this company. My identity had been compromised and a loan of $8127 was allowed to be opened in my name. Now my credit is suffering. I will be filing paper work with the ftc, police and refuting this on my credit report. They need to correct this fraudulent loan that was created in my name.

  Business response

  08/07/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 28, 2024. It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent service to our customers and we welcome the opportunity to address their concerns.  Please allow this to serve as Republic Finance’s response to Complaint Case #22055337.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer’s name, out of this response.  Instead, we refer to the consumer as “the Consumer.”
  
  Republic Finance is committed to helping our customers who may be victims of identity theft or fraud and takes its obligation to protect consumer information from identity theft, fraud, and unauthorized access very seriously. Upon receiving the Consumer’s complaint, Republic Finance immediately investigated the matter and took appropriate action. Republic Finance is mailing a letter under separate cover to the Consumer regarding the resolution of this matter. 
  
  If the Consumer would like to have his name and contact information removed from the marketing lists of the credit bureaus so that she does not receive pre-approved offers of credit from other companies, he can contact each of the three major credit bureaus and request that his name and contact information be removed. The credit bureaus may be contacted as follows: (1) by telephone – at 1-888-567-8688 to request removal, or (2) by letter – write to the following addresses to request removal: Experian, Inc., P.O. Box 919, Allen, TX 75013; TransUnion, TransUnion Removal Option, P.O. Box 505, Woodlyn, PA 19094; Equifax, P.O. Box 740123, Atlanta, GA 30374-0123.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Dispute of Fraudulent Account Reported by Republic Finance Dear Experian, I am writing to formally dispute a fraudulent account that is currently being reported on my credit report by Republic Finance. This account is not mine, and I believe it to be the result of identity theft. The details of the fraudulent account are as follows: Creditor Name: Republic Finance Account Number: 119267XXXXXXX Date Reported: September 07, 2017 Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons: Inaccuracy: The account listed does not belong to me, and I have never had any dealings with this creditor. Identity Theft: This account was opened fraudulently using my personal information. To support my dispute, I have enclosed the following documentation: I request that Experian conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify Republic Finance of the deletion of the account from my credit report. If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. Sincerely, ********* *********

  Business response

  08/01/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 28, 2024. It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance’s response to case #22054595.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer’s name, out of this response. Instead, we refer to the consumer as “the Consumer.”
  
  Republic Finance immediately reviewed the Consumer’s statements made therein. Under the Fair Credit Reporting Act (“FCRA”), Republic Finance is obligated to investigate credit disputes that are complete and meet certain requirements.  According to the FCRA, a dispute notice is complete when it is submitted in writing directly to the creditor (i.e., not through a private, non-profit organization such as the BBB) and includes the following: (1) sufficient information to identify the account in dispute (e.g., consumer's full name, address, telephone number, and account number); (2) the specific information that is being disputed and an explanation of the basis for the dispute; and (3) all supporting documentation or information to substantiate the dispute, to the extent available (e.g., a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court order, or account statements). Therefore, Republic Finance has determined the Consumer’s credit dispute is incomplete because it does not meet all of the three afore-mentioned requirements.  If the Consumer has any additional information to satisfy the requirements set forth above, she is welcomed to submit a complete dispute notice directly to: Republic Finance, LLC, Attn: Credit Dispute Team, 7031 Commerce Circle, Suite 100, Baton Rouge, LA 70809-1394.  Upon receipt of the Consumer’s complete dispute notice, Republic Finance will investigate the dispute, correct any inaccuracies that may be discovered, and report back to her.
  
                If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was lied to, misled multiple times by the people in this office, the first time they served me, I was told as long as I paid $75 a month, they wouldn’t file legal, yet they did. Time pass by, I continue to pay the $75, and I receive a paper regarding a garnishment. I call the same day and speak to ****, I explained to her how I could not financially afford the garnishment, she says nothing can be done due to the legal team already filing, and this was a lie because ******** the manager stated, it could’ve been stopped that day. I worked with ******** on 7/17 she tells me yes, I can try to get processed for $35, I say okay, I had to go &my card, I call back, and **** says no she meant $75, another lie, I am not pleased with my experience at all as I have always been on time prior to experiencing two layoffs while caring for my special needs son. I don’t understand why people try to make it harder for people already having a hard time as it is. I need my $75 back, I can’t afford to pay that plus a garnishment. & I don’t want to work with **** regarding my help because if helping is an option on the table why wasn’t it done?

  Business response

  07/25/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 18, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers.  Please allow this to serve as Republic Finance's response to case #22008250.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. Additionally, Republic Finance’s Regional Vice President discussed the matter in detail on July 23, 2024 and reached a mutually agreeable resolution with the Consumer on July 23, 2024. Republic Finance considers this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My wages were garnished on a debt that I owed Republic Finance in the amount of $3,609.77 and by wages were garnished starting 10/06/2023. Since then I have paid off my debt and Republic Finance claims they have not received a check from the court on my balance and can not mark it as paid. I have made several attempts to get this resolved but have been unsuccessful. It is still showing that I have not paid this debt on my credit report and that is incorrect. I am asking to have this looked into so that my account can report accurately. This has been ongoing since the beginning of this year.

  Business response

  07/23/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 16, 2024.  It is our goal at Republic Finance, LLC (“Republic Finance”) to provide excellent service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance’s response to case #21997423.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer’s name, out of this response. Instead, we refer to the consumer as “the Consumer.”
  
  Upon receiving this complaint, Republic Finance immediately investigated the Consumer’s statements made therein.  Republic Finance has confirmed with the BBB that the Consumer’s complaint and desired resolution are outside the BBB’s purview due to the fact that it pertains to a matter allegedly involving active litigation. Republic Finance is mailing a letter under separate cover to the Consumer in response to this complaint and considers this matter closed.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In May of 2021 I took out a loan with republic finance. In December of 2021 I paid off the loan. My loan officer, *****, did not apply my funds to pay off my loan. She called multiple times over the years only to ask me if I needed more money. In July of 2022 ***** called to see if I needed more money and to let me know that I wouldn’t have to start repaying my current loan until December 2023. When I told her that loan was payed off she said no I had a balance of 100 dollars that accrued interest all that time. When I asked her why was I never told this or notified all the times I spoke to her. She said she spoke with me about it the previous week, which was a lie because I was in CCU with a hemorrhagic stroke. I could not even look at my phone much less use it. When December came around and they wanted me to start to pay them again I received a flyer like bill that said I owe 230 dollars. There was nothing else on it. I called her to tell her that I wanted a detailed report on my loan and my payments. I wanted to know how much they are saying I owe. She immediately turned it over to a bill collector. I told him the same thing to no avail. I received a court document then a judgement against me for as much as I originally borrowed. I was never made aware of the court date and never given the option to dispute it. She expedited my case and rushed into court before I had a chance to do anything about it. She basically stole my money and is still stealing it on my opinion.

  Business response

  07/18/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 10, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21968568. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. As a part of its investigation, Republic Finance’s Regional Vice President (“RVP”) attempted to contact the Consumer to discuss this matter, and to reach a mutually agreeable resolution, with the Consumer. Specifically, Republic Finance’s RVP attempted to reach the Consumer by telephone to discuss this matter on July 12, 2024, July 16, 2024, and July 17, 2024, but was unsuccessful in his attempts. Republic Finance mailed a letter on July 18, 2024 to the Consumer requesting that she return our calls to discuss this matter in detail. As of the date of this response, the Consumer has not contacted Republic Finance.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have dealt with incompetence with republic finance at there’s Round Rock,Texas location for months now. I have been unemployed and did everything I was told!!! I’m following the procedures with the insurance I’ve paid for with the account. Initially I was told a different procedure as one employee left, they did not pass the information on to the proceeding manager and I was belittled and accused of wrong doing. I spoke to the regional manager who claimed to “ straighten” everything out. I have now moved and contacted to have my address changed and it was not. With that being said I still filled out the rfget portion. Which is at the least supposed to freeze my loan until the insurance reacts. I was just informed that I was late. This is infuriating as I have been constantly complaining about the time it takes the company to react. It is now on my credit report which is now a false report and a breach of contract. I will be securing legal counsel for my next steps not only with the fraudulent late claim but also with stress,racism, and emotional and psychological damage I have endured.

  Business response

  07/15/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 8, 2024.  It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers.  Please allow this to serve as Republic Finance's response to case #21953162.  As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response.  Instead, we refer to the consumer as "the Consumer."
  
  Upon receiving her complaint, Republic Finance immediately investigated the statements made therein. Additionally, Republic Finance’s Regional Vice President discussed the matter in detail on July 11, 2024, and reached a mutually agreeable resolution, with the Consumer on July 11, 2024. Republic Finance mailed a letter under separate cover to the Consumer on July 15, 2024 regarding the resolution. Republic Finance and the Consumer consider this matter satisfactorily resolved.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

• Initial Complaint

  07/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am filing a complaint against company for inaccurately reporting an account on my credit report. The account was listed without my authorization or verification. Despite my efforts to resolve this issue directly with the company, they have not responded or provided verification, violating the Fair Credit Reporting Act (FCRA).

  Business response

  07/16/2024

  Dear BBB Complaint Department:
  
  Thank you for your correspondence dated July 2, 2024. It is our goal at Republic Finance, LLC ("Republic Finance") to provide excellent customer service and we welcome the opportunity to address the concerns of our customers. Please allow this to serve as Republic Finance's response to case #21928816. As requested by the BBB guidelines, we have left all personal identifying information, including the consumer's name, out of this response. Instead, we refer to the consumer as "the Consumer."
  
  In his complaint, the Consumer disputes the way certain information regarding his Republic Finance account is being reported to the credit reporting agencies. Republic Finance immediately investigated the Consumer’s complaint and his statements made therein. Republic Finance is committed to providing the credit reporting agencies with accurate information and is mailing a letter under separate cover to the Consumer regarding the resolution of this matter.
  
  If you have any questions or additional information, please feel free to contact me.
  
  Sincerely,
  **** *****
  Compliance Supervisor

*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. ↩