Financial Service Center of Ohio, LLC

2019-06-12

OH

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: Unable to make the $ XXXX/month payment asked if they could take a smaller amount like {$500.00}, they said no. They also send harassing texts and phones calls.
Company Response: Closed with explanation

Timely Response

2019-05-09

Whipple, OH

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Complaint: I got a payday loan and they talked me into geting more a couple times so i ended up borrowing XXXX and payoff is XXXX XXXXx XXXX ohio XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-08

Toledo, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-01

Euclid, OH

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: I took out a title loan for my ex-husband at the time of the loan I was not employed. XXXX did not verify if I had income as a means to repay the loan. XXXX did however verify my at the time husband 's income. As well as had my husband sign a power of attorney. My husband and I are now divorced, and not to mention at time of the said loan in XX/XX/2018 I was partial in patient for XXXX XXXX reasons. Now the company is threatening to repo car. Was divorced less than month after the loan due to XXXX XXXX. I haven't worked for two years because I'm XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Akron, OH

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-31

Taft, OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: i applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly
Company Response: Closed with explanation

Timely Response

2018-08-14

Taft, OH

Vehicle was damaged or destroyed the vehicle

Payday loan, title loan, or personal loan: Title loan

Complaint: I had a title loan with XXXX XXXX and for unforeseen reasons I fell behind, I stayed in constant contact with them to try and resolve my debt. On XX/XX/XXXX I was sent a text message from XXXX XXXX advising that my vehicle had been put out for repossession. I called them immediately and agreed to a voluntary surrender of my vehicle. They told me to bring it in to their XXXX XXXX location to drop it off. I took the vehicle up to that location within 30 to 60 Minutes later and dropped it off leaving the key with the employees inside. On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) took possession of my vehicle and transported it to their location in XXXX XXXX Ohio. On that same date XXXX did a condition report of the vehicle and sent it to XXXX XXXX. On XX/XX/XXXX XXXX XXXX agreed to return My vehicle for the past due amount of {$640.00} dollars and refinance the {$3200.00} I owed. I choose to end my business relationship with them and cure my debt completely and paid the whole {$3200.00} that was owed. I was then instructed to go to XXXX and pay them a storage fee and collect my vehicle. On XX/XX/XXXX I went to XXXX to retrieve my vehicle, I paid {$80.00} to them and was sent outside to my vehicle. When I entered the vehicle, the key was left in the on position and the battery was dead, a tow truck driver there gave me a jump. When the vehicle started it was obvious that my exhaust had been tampered with because it was extremely loud. I instantly looked under the truck and noticed that my catalytic converter had ben removed. Cut marks on each of the pipes left behind showed a saw of some sort was used to cut away the converter. I spoke with XXXX and XXXX XXXX and both took no responsibility for it. I was unable to drive the vehicle that day because nothing was holding the rest of the exhaust in place. When the exhaust was cut the muffler spun to about 45 degrees causing the tail pipe to hit up against the right rear fender of the vehicle. The pictures that was taken by XXXX XXXX employee after the vehicle was dropped off shows the tail pipe sticking straight out from the rear and is obvious that nothing was wrong or missing at the tie the vehicle was dropped off. The condition report that the auction sent to the finance company was listing a catalytic converter being present on the vehicle, according to the auction it was missing when they picked it up from the finance company. The pictures provided from both companies show that the converter was on it when left in their possession. The finance company claims they have no liability or responsibility to keep vehicles secured. This vehicle was stored for 4 days in the rear of their location with no fence or security cameras. I had to pay {$1100.00} to fix the damage caused to my vehicle.
Company Response: Closed with explanation

Timely Response

2018-01-03

KY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Title loan

Complaint: I am a customer at the XXXX, XXXX XXXX location and I have been taking for a ride. Meaning when I initially took out a loan back in XX/XX/2017 I was not made aware by any XXXX ( former XXXX XXXX professional that I had other financial options - i.e. XXXX XXXX opposed to a title loan. Atop of that ommission - they told me I had an additional {$500.00} I could use for holiday but failed to tell me my payment would double. I am a former XXXX XXXX w/ XXXX Department of Treasury and are thumbing thru the XXXX at this moment. If you can give some pointer please let me know to void or at least lower the payments of this ... financial swindling I have inadvertently fell into. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-01-17

Ottawa Hills, OH

Charged fees or interest I didn't expect

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Bethany, OH

Charged fees or interest I didn't expect

Payday loan:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-27

Dayton, OH

Communication tactics

Debt collection: Payday loan

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: No Timely Response

2013-11-08

Dayton, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response