Complaints

• Initial Complaint

  08/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i am not for this debt and i do not have the contract with REGIONAL FINANCE plus they do not provide me with the origianl application liked i asked

  Business response

  08/18/2022

  **** *******
  **** ******* **** *****
  ******* ***** *****
  
  REGIONAL FINANCE
  *** ********** ** *** *
  ***** ** *****
  
  
  Re: Account Number ******
  
  Response to an insufficient validation statement/letter you sent to me. This collection is not accurate or
  can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request
  and receive validation of the alleged debt. I ask that you provide me with a copy of all the following:
  
  1) An explanation of what this alleged account balance is for.
  
  2) A complete Audit Trail calculation of this balance, including the complete payment history on this
  account
  
  3) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave
  you permission to have my information and paperwork showing I gave you authorization to report this to
  my credit report. No consent to you having my information and unauthorized use of my social security
  number is identity theft and you will be reported for such.
  
  4) The Agreement that grants you authority to collect on this alleged debt.
  
  5) A copy of your state license, including license number that give you rights to collect in my state.
  
  6. Provide the purchase agreement showing who you purchased my personal information from without
  my consent which is fraud because I never have done business with you
  
  7.( Senior Executive from your office to Swear under penalty of perjury this corporation were present
  during the alleged debt being created.
  
  8. The Original Promissory Note on this Alleged Debt
  
  Reporting information that you know to be inaccurate or failing to report information correctly violates
  the Fair Credit Reporting Act and FDCPA.

   
  Also you have committed the following FDCPA Violations you are sending deceptive forms making false
  belief that I owe you.
  
  15 U.S. Code § 1692j - Furnishing certain deceptive forms
  
  (a)It is unlawful to design, compile, and furnish any form knowing that such form would be used to create
  the false belief in a consumer that a person other than the creditor of such consumer is participating in the
  collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact
  such person is not so participating. I am not participating in the collection of this alleged debt.
  
  Stop contacting me about this or any other matter you have. cease and desist immediately and delete this
  account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail
  only not the same insufficient docs you already sent.
  
  I also submitted this letter to the Consumer Financial Protection Bureau (CFPB), My State Attorney
  General Office and The Better Business Bureau to have confirmation of proof.
  
  You have 15 days from the date of this letter to respond with all items requested and I demand this item
  be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary
  compensation damages for the violations you already committed.
  
  Sincerely,
  
  **** *******

  
  

• Initial Complaint

  08/03/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company over charged me from the original account amount which was 1873.00 They charged me 3884.00 I would like the difference!

  Business response

  08/05/2022

  Please see attached response letter. 

  Customer response

  08/11/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 17663918, and have determined that this does not resolve my complaint. 
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.] Because they owe me the difference because I was not served they received 3884.00 on my account. I only owed 1873. 00 I want the difference or I’m taking it to the courts 
  
  Regards,
  
  Sheila Jackson

  Business response

  08/26/2022

  August 5, 2022
  
  ****** *******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. *******:
  
  I am writing in response to t*e above referenced complaint t*at you filed wit* t*e Better Business Bureau
  (“BBB”) dated August 3, 2022. Regional Finance Corporation of Nort* Carolina, LLC (“Regional”),
  appreciates t*e opportunity to address your concerns. At Regional, we truly value our customers’
  satisfaction and will work toward t*e resolution of any issues.
  
  Regional is unable to locate an account for you using t*e details provided in t*e complaint. Please provide
  Regional wit* additional information suc* as t*e account number or full social security number so Regional
  may investigate your concerns furt*er.
  
  Regional appreciates your assistance in t*e matter and t*anks you for your patience as Regional works to
  investigate your concerns.
  
  Sincerely,
  
  Karie *. Mullen
  
  Karie *. Mullen
  Compliance Associate

• Initial Complaint

  07/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On May 23 my husband died. I called this company to find out what to do. Because he had no will so they told me they could not give me any information because I was not on the loan. With no information I kept paying for the car. On July 29 they repossessed the car for no reason now they will not tell me why they repossessed the car or how to return it to me.

  Business response

  08/10/2022

  August 5, 2022
  
  ******* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Case Number ********
  
  Dear Ms. *****:
  
  I am writing in response to the above referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated July 29, 2022. Regional Finance Corporation of Illinois, LLC (“Regional”), appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  Regional is unable to locate an account for your husband using the details provided in the complaint. Please
  provide Regional with additional information such as the account number or the loan holder’s full social
  security number so Regional may investigate your concerns further. Additionally, please provide legal
  documentation such as a Power of Attorney or estate executor letter to provide Regional with authorization
  to discuss details related to the account in question with you.
  
  Regional appreciates your assistance in the matter and thanks you for your patience as Regional works to
  investigate your concerns.
  
  Sincerely,
  
  Karie ** M*****
  
  Karie *. M*****
  Compliance Associate

• Initial Complaint

  07/29/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I applied for a debt consolidation loan on 5/14/22 and someone from the local branch @ 1804 Wirt Road Houston, TX 77055 reached out to me on 5/16/22 asking for me to submit my documents which I did that same day and I received an email response on 5/18/22 from the Assistant Manager saying "Attached is an offer being made by our underwriters. Give me a call once you have received and reviewed so we can discuss and have this finalized TODAY!!!! Look forward to hearing from you!" I gave him a call that same day but he was out to lunch so I emailed him and requested a callback but never heard back. I called the office on 5/21/22 and was told that I then needed to submit more documents (picture of my car mileage and my car insurance) which I did as well but I didn't hear back again. After that, it was just a back and forth thing with me not receiving any updates after emailing multiple times. Then, someone else from the branch reached out to me saying the person I was dealing with was no longer working there but she promised me that she was going to take care of finalizing my loan. She replied via email on 6/9/22 saying "almost done with your loan will call you when to come in today" but then I never heard back for a whole month. I reached out again a few days ago which is the end of July, and the person tells me that they were just about to call me which it's like if you forgot just say that but don't continue to lie to me. Then, the person tells me that I needed to resubmit documents, which made me even more upset because this has been dragging for 2 months now. The person gets back to me a week later saying that I'm approved for way less than what was quoted 2 months ago so now I'm really upset. I then asked to speak with a manager and couldn't get what I asked for. This company has caused me such distressnot to mention that they changed my lienholder without me even knowing and saying that I'm not even getting what I was told that I was getting after all of this.

  Business response

  08/05/2022

  Please see the attached response letter. 

  Customer response

  08/05/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  The timeline does not add up at all. I submitted call log reports and email screenshots of everything. This company is disgusting and should not even be in business. Not getting approved for one amount is fine but being lied to stating that the underwriters approved $14k then two months later someone else saying only $9k that's a big deal. I was told multiple times that I needed to just come in to finalize everything on the $14k approval but they never gave me an appt. Time. No one ever informed me about anything on 5/28/22, let alone about any vehicle damage. Someone rear ended my vehicle last year in August of 2021 but my rear bumper was replaced months ago with a brand new one if that's what they are referring to but again I have no idea because they have no proof of what they are referring to anyways. This company needs to be liable for their actions especially when you're dealing with peoples sensitive information and talking about their debt. 
  
  Regards,
  
  ******* ********

  Customer response

  08/11/2022

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to complaint ID 17634252, and have determined that this does not resolve my complaint. 
  
  
  [To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
  
  There is no response from them. They sent the same letter from the original response. They clearly do not have an answer because they know they lied to me and I have the proof. I will be blasting this company on the news and taking further action.
  
  
  Regards,
  
  
  Janiqua Williams

  Business response

  08/26/2022

  August 5, 2022
  
  ******* ********
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ********:
  
  I am writing in response to the complaint you submitted with the Better Business Bureau (“BBB”)
  dated July 29, 2022. Regional Finance Corporation of Texas, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction, and will
  work toward the resolution of any issues.
  
  In your complaint, you state you applied for a loan with Regional on May 14, 2022, immediately
  contacted the local office to finalize the loan after receiving notification of approval on May 16, 2022,
  and were advised by branch personnel that the employee processing your application would respond to
  you. You further state that you never received the employee’s response and were advised by branch
  personnel to provide additional documentation when you contacted the branch on May 21, 2022 to
  follow up on the status of your application. Additionally, you state that another employee from the
  branch later contacted you regarding your application and advised that she would call you to schedule
  closing on a loan for June 9, 2022. Finally, you state that you did not hear from the employee for a
  month , contacted the branch once again to follow up and received approval for a loan in an amount
  significantly lower than the amount previously quoted by branch personnel. As a result, you feel the
  application process has been stressful and request that Regional remove the credit inquiry that appears
  on your consumer report if your application cannot be approved for a larger loan amount.
  
  Regional’s records indicate that you submitted your first application for a loan on May 14, 2022 and
  you agreed to proceed with the process on May 16, 2022. Regional received documentation provided
  by you in order to finalize the application on May 23, 2022 and it was determined that you could not be
  approved for the type of loan you in which you had originally applied because the vehicle to be secured
  as collateral was damaged and decreased in value. As such, you were offered a loan in a smaller amount
  and your application was cancelled after you expressed to the Branch Manager that you were no longer
  interested in obtaining credit on May 28, 2022. On July 27, 2022, an additional application process was
  initiated to obtain a loan for debt consolidation and you stated you planned to use the aforementioned
  vehicle to secure the loan. On July 28, 2022, you spoke with the Branch Manager, stated that you did
  not want to pay in full your other creditors as well as your automobile loan with ****** *******, LLC
  and subsequently cancelled your application. For the reasons explained above, Regional does not
  believe that removing the credit inquiries is the appropriate course of action at this time. Please be
  advised that you applied for the loans, authorized the credit inquiries and Regional is contractually
  obligated to provide accurate data to the credit bureaus according to the provisions of the Fair Credit
  Reporting Act.
  
  We appreciate your business and would like to thank you for choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie ** ******
  Karie ** ******
  Compliance Associate
  Enclosure(s)

  Business response

  08/26/2022

  August 9, 2022
  
  
  ******* ********
  Via Electronic Upload
  
  Re: Better Business Bureau Case Complaint ID: ********
  
  Dear Ms. ********:
  
  I am writing in response to t*e rebuttal submited in relation to t*e above-referenced complaint t*at was
  filed wit* t*e Better Business Bureau (“BBB”) dated August 5, 2022. Regional Finance Corporation of
  Texas, LLC (“Regional”) appreciates t*e opportunity to address your concerns. At Regional, we truly value
  our customers’ satisfaction and will work toward t*e resolution of any issues.
  
  In your rebuttal, you state t*at Regional’s underwriters originally approved your loan application for a line
  of credit in t*e amount of $14,000.00 and decreased t*e amount approved to $9,000.00 two mont*s later.
  You furt*er state t*at Regional did not sc*edule any appointment to close on a loan and never informed
  you of t*e status of t*e loan application.
  
  As previously stated in t*e response submitted August 5, 2022, notes documented in Regional’s servicing
  system indicate t*at t*e branc* manager contacted you on May 28, 2022 and you advised t*at you were no
  longer interested in obtaining a loan. Your claim t*at Regional’s underwriters originally approved your
  application for a loan in t*e amount of $14,000.00 could not be validated. Regional would like to reiterate
  t*at you aut*orized t*e credit inquires and Regional is contractually obligated to provide accurate data to
  t*e credit bureaus according to t*e provisions of t*e Fair Credit Reporting Act.
  
  Regional appreciates your business and would like to t*ank you for c*oosing Regional for your financial
  needs. Regional now considers t*is matter closed.
  
  
  Sincerely,
  
  
  Karie * M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure
  

• Initial Complaint

  07/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Regional Finance is illegally reporting income on my credit report. I found a publication on the IRS website that also states "Charged off debt" is defined as Gross income. Income does not get reported on the consumer report which in fact makes this company's reporting of the following account accurate and I demand the removal of the account from my consumer report immediately! REGIONAL FINANCE - ********** I have already put the CFPB, the attorney general, and Regional Finance on notice. Thank you!

  Business response

  08/02/2022

  July 20, 2022
  
  ********* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID 17567304
  
  Dear Ms. *****:
  
  I am writing in response to t*e above-referenced complaint t*at you filed wit* t*e Better Business Bureau
  (“BBB”) dated July 14, 2022. Regional Finance Company of Texas, LLC (“Regional”) appreciates t*e
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward t*e resolution of any issues.
  
  In your complaint, you state t*at Regional is illegally reporting income to t*e consumer reporting agencies
  (“Credit Bureaus”). You furt*er state t*at c*arged off debt is defined by t*e Internal Revenue Service as gross
  income and a c*arged off account from Regional appears on your credit report. Finally, you state t*at Regional
  is pro*ibited by law to report gross income to t*e Credit Bureaus. As a result, you demand t*at Regional remove
  t*e incorrect information appearing on your credit report immediately.
  
  Regional’s records indicate t*at t*e loan ending in **** was originated in your name on December 28, 2020, in
  t*e amount of $4,559.06. Please review t*e enclosed response to your debt validation request along wit* a copy
  of t*e original loan contract. T*e c*arged off debt in question is not considered forgiven debt. According to t*e
  IRS, it is forgiven debt t*at is defined as income and t*erefore, your statement t*at Regional is illegally reporting
  gross income to t*e Credit Bureaus is not applicable. Please note t*at Regional is contractually obligated to
  accurately report all account information to t*e Credit Bureaus and is unable to remove t*e tradeline associated
  wit* t*e account in question. Additionally, t*e account in question was c*arged off and sold due to non-payment
  on May 23, 2022, to ********* ******* *******, LLC, wit* all owners*ip rig*ts. Please send all future
  correspondence to t*e following address:
  ********* ******* ******** *** ** ******** **** *** ****** ** *****
  Regional appreciates your business and t*anks you for your patience during investigation of t*is matter.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  07/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Regional Financial contacted a law office about a debt that shared a similar first name to mine. This was after contacting random family members of mine to get in contact with them about a supposed debt I owed from a check they mailed to an address they can't disclose to me, which I paid because they said I would have to file a police report against someone to get out from this debt. I made the first payment on the debt because they said they would ruin my credit report otherwise. The next day, Regional Finance (Caesar) got in contact with a law firm and gave them my personal contact details, including my phone number. That law firm got in contact with me to let me know that Regional Finance violated the law in contacting them and sharing my "PII" with them. Which in contacting Regional Finance, I haven't been able to receive any satisfactory explanation other than this will be a company wide training or resolution to this incident. The lawyer is wanting me to issue a demand letter. I'm frustrated, scared and confused and feel slighted and like my information is just free to give away by people who aren't even sure I owe them money.

  Customer response

  07/14/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  The response did not include my proper name or accurate details of my account. Furthermore, the branch manager confirmed the breach of the information by a Ceaser working at the branch location. I will be reviewing my legal options.
  
  Regards,
  
  ********* *****

  Business response

  08/29/2022

  
  July 12, 2022
  
  ********* *****
  Via Electronic Upload
  
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. *****:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated July 5, 2022.
  Regional Finance Corporation of Georgia, LLC (“Regional”) appreciates the opportunity to address your concerns.
  At Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your complaint, you state you Regional contacted a law firm regarding a debt from a borrower that shared a name
  similar to your own. You further state Regional contacted members of your family regarding a loan in which you had
  been submitting payments and was originated in your name by way of a convenience check. Additionally, you state
  you were forced to submit a payment to avoid negative reporting to the credit bureaus. Finally, you expressed your
  frustration because Regional provided your personal information to third parties to collect on an account which you
  did not authorize and refuses to provide you with resolution to this issue. As a result, you are requesting that Regional
  update the tradeline associated with the account in question and/or provide you with monetary compensation.
  
  After a review of the account in question, the loan ending in **** was originated in your name on April 22, 2022, by
  way of convenience check in the amount of $1,534.78. Regional’s records indicate that the branch located in Duluth,
  GA received a phone call on July 1, 2022, from a 3rd party stating that she represented an unidentified law firm and
  was also the aunt of ********* *****. During this conversation, an individual, identifying himself as ********* *****
  also spoke with branch personnel and provided the name and phone number on file in Regional’s servicing system for
  account security purposes. Your claim that Regional disclosed account/personal information to an un-authorized third
  party could not be validated and neither a correction to your credit report nor monetary compensation is believed to
  be the appropriate course of action at this time. If you believe that the account in question is the result of fraud, please
  complete the enclosed Forged Endorsement Victim’s Complaint and Affidavit of Check Fraud by Payee, and return it
  to the address below along with a legible photocopy of your driver’s license and police report so that Regional can
  initiate an investigation into your claim:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** * ****** ** *****
  
  Regional appreciates your assistance in the matter and thanks you for your choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie H ******
  
  Karie H. ******
  Compliance Associate
  
  Enclsoure(s)

  Business response

  08/29/2022

  July 22, 2022
  
  ********* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. *****:
  
  I am writing in response to the complaint rebuttal that you filed with the Better Business Bureau (“BBB”)
  dated July 14, 2022. Regional Finance Corporation of Georgia, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your rebuttal, you state that the response previously provided did not include your correct name or details
  of the account in question. You further state than a Regional employee confirmed a breach of your protected
  information.
  
  As previously stated in the responses sent to the Better Business Bureau (“BBB”) on July 12, 2022 and the
  Consumer Finance Protection Bureau (“CFPB”) on July 12, 2022, the loan in question, ending in ****, was
  originated in the name ********* ***** by way of a convenience check on April 20, 2022, a copy of which
  is enclosed. Your claim that a Regional employee disclosed protected personal information to an
  unauthorized 3rd party could not be validated.
  
  Regional appreciates your assistance in the matter and thanks you for your choosing Regional for your
  financial needs.
  
  Sincerely,
  
  Rachael Z***********
  Compliance Team Lead
  Enclsoure(s)

• Initial Complaint

  06/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I recently corresponded with Regional Finance in reference to the company failing to provide me the consumer with the proper disclosures in reference to how they would share my nonpublic private personal information with nonaffiliated third parties. Regional Finance corresponded with a document that stated that my account had a zero balance. Unfortunately, Regional Finance is failing to furnish the same information to the consumer reporting agencies. In fact, Regional Finance is furnishing inaccurate information to all three consumer reporting agencies stating the account is past due/closed with a balance of $666.00

  Customer response

  07/01/2022

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  ******* *****

  Business response

  07/07/2022

  July 1, 2022
  
  
  ******* *****
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Mr. *****:
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated June 28, 2022. Regional Finance Corporation of Georgia, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state you previously contacted Regional for failing to provide you with the proper
  disclosures regarding the sharing of personal information associated with your loan and Regional provided
  you with a document stating that the balance on your account is $00.00. You further state that Regional is
  not furnishing accurate information to the consumer reporting agencies (“Credit Bureaus”) and your credit
  report reflects a balance of $666.00. As a result, you are requesting an update to the tradeline associated
  with the account in question to ensure that is reports correctly to the Credit Bureaus.
  
  After a review of the account in question, Regional has submitted a request to the Credit Bureaus to delete
  the tradeline associated with the loan. Please find enclosed an Automated Data View form evidencing the
  deletion request. Please allow seven to ten business days for this update to reflect on your credit report.
  
  Regional appreciates your business and would like to thank you for choosing Regional for your financial
  needs.
  
  Sincerely,
  
  Karie *. M*****
  
  Karie *. M*****
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  06/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with *********** ******** *** ********. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. REGIONAL FIN bal. $0.00 Acct # *********

  Business response

  07/15/2022

  June 28, 2022
  
  
  ****** ******
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear ****** ******,
  
  I am writing in response to the above-referenced complaint that you filed with the Better Business Bureau
  (“BBB”) dated June 23, 2022. Regional Finance Corporation of Texas, LLC (“Regional”) appreciates the
  opportunity to address your concerns. At Regional, we truly value our customers’ satisfaction and will work
  toward the resolution of any issues.
  
  In your complaint, you state are a victim of identity theft and the account in question does not relate to
  transactions you have authorized. As such, you are requesting that Regional delete the tradeline associated
  with the account in question to ensure that it no longer reports to the consumer reporting agencies.
  
  Regional’s investigation confirmed the loan ending in 6968 was originated in your name on April 13, 2017,
  in the amount of $4,003.92. Enclosed is a copy of the original loan contract for your review. Please be
  advised the account in question charged off due to non-payment and was subsequently sold to ***** ********* LLC on April 23, 2019. All ownership rights to your account including the right to payment now
  belong to ***** ********, LLC. Please send all future correspondence to the following address:
  
  ***** ********* *** *** ******* ****** ***** *** ******** ** *****
  
  Should you still believe you are the victim of identity theft after reviewing the enclosed agreement, please
  complete the enclosed Identity Theft Affidavit and return it to the address listed below, along with a legible
  photocopy of your valid ID and police report.
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** * ****** ** *****
  Regional appreciates your assistance in this matter and thanks you for your patience as Regional works to
  investigate your claim.
  
  Sincerely,
  
  Karie H. Mullen
  
  Karie H. Mullen
  Compliance Associate
  
  Enclosure(s)

• Initial Complaint

  06/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. REGIONAL FIN bal. $5,596.00 Acct ***********

  Business response

  07/15/2022

  March 30, 2022
  
  ****** *******
  **** ********* *** ********** ** *****
  
  Re: Fraud Claim for Account Ending in ****
  
  Dear ****** *******,
  
  Regional Finance is in receipt of your Identity Theft fraud claim. The tradeline will be coded to reflect that
  your loan is in a disputed status with the credit bureaus, until the investigation is complete. In order for
  Regional to complete a reasonable investigation and to facilitate the processing of your claim, please
  provide the documentation listed below to the following address:
  
  Regional Management Corp.
  Attn: Compliance Department
  *** ********** ***** ***** * ****** ** *****
  ? Identity Theft Affidavit (copy enclosed)
  ? Driver’s License or State Issued Identification
  
  A police report is not required, however, Regional encourages the filing of an identity theft claim with law
  enforcement to expedite the review. Regional reserves the right to file a report with law enforcement
  against the individual that initiated the loan. Once all requested documentation is received, please allow
  up to 45 days for the final resolution of your claim. Failure to provide the requested documents may
  result in the denial of your fraud claim.
  
  Should you have questions regarding this claim, please contact us at ***** ******** for further
  assistance. Regional appreciates your assistance in the matter and thank you for your patience as Regional
  works to investigate your claim.
  
  Sincerely,
  
  THE FRAUD TEAM
  REGIONAL FINANCE
  

• Initial Complaint

  05/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. 15 U.S.C. 1692C- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

  Business response

  06/03/2022

  May 19, 2022
  
  
  ***** ***********
  Via Electronic Upload
  
  Re: Better Business Bureau Complaint ID ********
  
  Dear Ms. ***********:
  
  I am writing in response to the complaint that you filed with the Better Business Bureau (“BBB”) dated May 17, 2022.
  Regional Finance Company of Alabama, LLC (“Regional”) appreciates the opportunity to address your concerns. At
  Regional, we truly value our customers’ satisfaction and will work toward the resolution of any issues.
  
  In your complaint, you state Regional has violated your right to privacy by furnishing accounts in your name and
  reporting each to the consumer reporting agencies (“Credit Bureaus”). You further state that Regional has violated
  additional rights because it attempts to collect on a debt without your consent or the permission of a court of competent
  jurisdiction. As a result, you request that Regional would update the tradelines associated with the account in question
  to ensure correct reporting to the Credit Bureaus.
  
  Per Regional’s review, you originated the loan ending in **** on July 15, 2017, in the amount of $22,466.88. Please
  find enclosed a response to your debt validation request along with a copy of the original loan contract. Regional’s
  records also indicate that the loan ending in **** was originated in your name on March 2, 2018, in the amount of
  2,205.06 Please review the enclosed response to debt validation request for the account ending in ****, which also
  includes a copy of the original loan contract. Please be advised that the account ending in **** was sold to *****
  Services, LLC on January 31, 2019, with all ownership rights. Please send all future correspondence to the following
  address:
  
  ***** Services, LLC
  *** ******* Drive, Suite ***
  Atlanta, GA 30328
  
  Please note that the account ending in 0108 was sold to ***** ********* Management, LLC on December 28, 2018,
  with all ownership rights. If you have further concerns regarding the account in question, please send all future
  correspondence to the following address:
  
  ***** ********* Management, LLC
  ***** ******** Blvd. Suite ***
  North Miami, FL 33181
  
  Regional has confirmed that the above-referenced accounts are reporting correctly to the Credit Bureaus and
  Regional is contractually obligated to furnish accurate information to the Credit Bureaus according to the provisions
  of the Fair Credit Reporting Act (“FCRA”). Regional appreciates your business and would like to thank you for
  choosing Regional for your financial needs.
  
  Sincerely,
  
  Karie * M*****
  Karie *. M*****
  Compliance Associate
  Enclosure(s)

*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. ↩