Laurens, SCConsumerAffairs Unaccredited Brand
I recently purchased furniture from Bernie and Phyl's with the no credit check option to avoid impacting my credit score and the first thing they (West Creek Financial) was do a hard credit pull. Definitely not a "no credit check" as advertised! Buyer beware of this offer.
I took a loan February for $560. I made my first March 18th payment $60.00. On April 18th I made a payment of $300 and ask them for my payoff. They say was $398.00. I just made a payment of $100 and still owe $560.00? I'm trying so hard to pay this off but they keep adding instead of lowering. Is a ripoff. Please don't get cut on this payday loan. Works better or you will be tied for life with this rateros!
I purchased some furniture at Ashley furniture about one year ago. My payments were only $75 (my balance on the furniture was only $1083) and I made them on time. A few months back, the office in Houston started soliciting me about taking out an additional loan and combine my furniture loan. I went to the office to talk to them and a women told me that she could loan me an additional $3000 so I could pay off some credit cards. She combined the 2 loans together to make my monthly payment $143.00, which was fine.
When I called to make my first payment, the guy on the other end of the phone said no, my payment due was $240.00. I told him he was wrong because I never would have committed to a monthly payment that high. When I called to speak to a supervisor, he stammered around and first told me the amount I borrowed was $7,000, which was wrong. He then corrected himself and said $6,000. $1083 + $3000 = $4083. It scares me that they do not know what they are doing in this office. I have been trying to reach them by phone for 2 days now and no one is picking up PLUS they don't even have an answering service. Something is very fishy about this company and I am having them investigated. I would never recommend anyone to them. Bad Customer Service!
They are worse than loan sharks. As soon as you miss one payment they call you 4-8 times a day along with sending you text messages and emails. We had an emergency come up and were unable to make the payments for a couple of months. We notified them of it and they took it to court and sued us without ANY prior notice. We never even got a summons to go to court for this.
I have used Regional Finance in the past, and I currently have another loan with them. I have absolutely no problem with them, in fact, they have been nothing but kind and considerate regarding my financial issues. I have paid my loan off early each time, and have no problem getting money when I need it. If you are responsible, pay your bills on time, and don't get too carried away with too many loans, using Regional Finance would not be a problem for you.
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I obtained a loan from them in Savannah, Georgia on Abercorn Street. I am disabled and not working as I am on Social Security Retirement. I was diagnosed with Prostate Cancer and had to move with my son in Cincinnati, Ohio. I took out insurance and this insurance was to cover my payments if I could not pay. They constantly call me and family and friends. My credit is bad and should not have allowed them to approve the loan in the first place. Need help as they are trying to sue me. I have NOTHING. Had to put my property in Public Storage in Savannah, GA and lost 2 units to sale.
When I started with this company back in April of 2016 I was super excited. I had some struggles with going through a separation and they worked with me to get back on track. Then I had a baby and I was out of work for almost a year, as soon as I got any source of income I started paying them right away consistently. 2 months later I get a notice from an attorney for them that a writ of garnishment had been put in with a judge. I contacted Gabby the manager of this location in Albuquerque NM on Sequoia and she states she can stop it at anytime and to continue to make my payments and she will contact me later (which she never does, I believe this was to just get me off of the phone).
4 months go by and I receive a judgment that I am in default. Speak with their attorney. They were never notified that I was paying. Then almost 6 months go by I'm still making the normal payments and bam my payroll calls me to tell me a writ of garnishment had been put in for almost $2,400 and I only owed $1,600 the day I got the call I called regional to find out my balance. This company seems to care at first to get the loan but when you are with them for awhile and life happens they go down on you really quickly. They make promises they don't keep. In the long run they are going to hurt you more, there is a reason their rating are so low. You really don't need a loan that bad especially not from this company.
Please take the time to read people's reviews. We all can't be lying because we are made out to be horrible people. The company did not hire right with Gabby. There is no integrity with her. She just lies straight to your face and has an I'm going to get you attitude, we are all human beings no one is better than one person just because you have the power to hurt that person's credit. To make all this worse she spoke with me in February 2018 and never noted the account that we spoke, what she and I talked about and worse that she would call me back so she's even better at covering her tracks!!! Just don't do it. Not worth the problems.
I received a letter from them February 1, 2018. The letter is regarding the "stoppage of monthly statements". They are going to a texting system. I called and told them I am not interested in receiving texts. I want a hard copy and I requested an email copy of my statement as well. They failed to post a check mailed for my account and continued to tell me they did not receive it. I got concerned about my credit and made a phone payment on my card. The next day (Saturday, office closed of course) I checked my bank account to make sure they processed my payment and saw both the check and card payment were processed on the same day. My email was ignored that Monday and I called them. "Oh we're sorry for the distress this must have caused". The "extra payment" would be applied to my March payment due and part of my April payment as I paid more than the amount due.
I asked again to have a hard copy and an email of my statement sent to me verified my address and email and received a confirmation of my phone payment and that is all. I still haven't received any form of a statement and I am tired of dealing with the people. I tried to email from my email account however the email gets refused by the postmaster as not a good address. The only way I can contact them in writing (trying to cover my-) is through their website. I have a legal right to have a written copy of my account. Please help me. The office I am forced to deal with doesn't give me access to my account online. RMC Retail - 979 Batesville Rd, Suite B - Greer, SC 29651. I sent them yet another email this evening telling them my next is to contact you. What now?
I had fallen on hard times and needed to borrow money to buy a new (to me) car and get to my job. I had always ignored the convenience checks which would arrive in my mailbox from time to time, but just this one time, I had no other options. After much debate, I cashed the check. HUGE MISTAKE. Monthly payments ended up being $170 per month, which I cannot afford at all. The biggest problem is that they are now calling family members...family who have a different last name as me and claim I used them as references. This is a complete lie. Stay away from these 'people'. They are criminals and are invading the privacy of their clients...clients who turned to them for help.
I went to the branch to pay off my loan off $363.68, I gave the rep. $400.85 Therefore, my change is $37.17 which she gave me that exact change. Their system froze, so she couldn't print me a receipt but she was able to send me a screenshot of the screen that everything was taken care of, so I left. She called in 5-7 mins later and said that she gave me $10 extra change. I told her that she did not and she keep insisting that she did. I swear!!! That ** did not gave me $10 more. She gave me 1=$20, 1=$10, 1=$5 and 2=$2 and some coins.
What kind of customer service calling to tell the customer that she gave her $10 extra changed - WTF?!!! It is her responsibility to double check what she gave the customer but calling a customer accusing her like that just out of the line. I would never ever finance with this branch ever again. I'm so disappointed and it ruined my day. I feel like I was blamed for something I didn't do and there wasn't even an apology from them after we hang up the phone.
I was forced to do business with this company when someone fraudulently cashed an $1800 check that was supposedly mailed to me randomly. I never saw this check, and I certainly didn’t request it. I had to put more work into clearing my name of this loan with this company than the thief had to put in when they got the loan! When I showed up at the business with the police department (required by the company to clear my name) I learned how easy it is to get a loan. They get names and info from creditors (they stated they buy names). Then they randomly mail pre-approved loan checks out to the names on the list. In my case it was for $1800 ($2750 after fees and interest they explained).
When someone receives the check they sign it, print their driver's license number and phone numbers on the back and deposit it in their bank. Once the check is deposited the company gets notification and a copy of the cashed check. They then send the name and address from the check to Equifax who then confirms the info and attaches a corresponding DOB and SSN to the loan. So this thief didn’t even have to have my DOB or SSN to get this loan on MY credit! What makes it even worse is they DID NOT verify the info prior to letting a random person cash a check they randomly mailed out. The thief provided 2 phone numbers on the check. 1 didn’t even work, and 1 was to a Days Inn hotel.
The company called the numbers for the first time as the police officers were standing in front of them, and when they found out one place was a Days Inn they laughed and said “well, they either live there or work there. Lol.” like it was no big deal. The DL # on the check was halfway illegible. The police tried several times to read it and couldn’t get it right. They asked the business if their online copy was better than the print out copy to which the business again laughed and said “no, it looks like that on our screen too”. The police then asked “so you give out loans without verifying information?” And they responded “no, we verify, that’s why this lady is here” meaning that was the reason I was in their place of business to begin with!
The police corrected them because I was only in their place of business because I received a notice in the mail letting me know “my loan” that I didn’t take out had a payment that was overdue!!! Complete idiots and frauds here for sure!!!! And if you are thinking of using this business for your personal loan needs take a look again at the loan amounts I listed above!! You take out a $1800 loan and pay them back a total of $2750! On top of promoting felony acts with their business practices they are also raping their customers with those fees right there!!
They trying scare you into paying. When you do have the money you tell them when you can pay. Then they tell you we can wait that long. I'm trying to refinance my bill with. Do not go to Regional Finance for anything.
I would not recommend doing any business with Regional Finance on University Drive in Huntsville, AL. I was deceived about the loan offer and ended up paying double. The manager (Shay) appears to be nice until you sign your paperwork and report the agency for wrongdoings. She is very unprofessional and is not a good leader. She acts like her employees are her friends. This agency will call you several times for a payment and when you take it to them, they can have an empty office and gain joy from making you wait over 10 minutes while talking about other client’s accounts.
It’s very unprofessional to speak about a client’s inability to pay especially when they have just left the office, which broke all confidentiality regulations. I have never experienced such unprofessional behavior by a manager (Shay). She is suppose to be an example for the other workers but has failed to do so. I hope that her boss will send her to some pertinent management trainings to enhance customer services. I will no longer be doing business with them and I strongly recommend you don’t as well.
This company has been by far unprofessional and VERY FALSE advertising. It makes me so mad, that this can affect my credit score because I'm so pissed that I want to let go of making payments. I NEVER want to do business with them again. When I first started this loan process, I was told I would not a have a payment until a month after I receive my furniture but that was a lie. Then I asked if they have an online portal where I can make payment because in all honestly who wants to go in person to make a payment, or who sends check nowadays, their response was no but you look on the website and it says otherwise.
At the beginning of I was sending more than I was suppose to because I never got a confirmed letter stating how much my monthly payment would be. Then when I finally found out how much my minimum was I started to sent that, recently past two months I know for a fact that I have been sending the minimum, but this month I was told my payment was half of what my normal monthly payment is and I asked why. Their response was because I sent more money last month and that is a lie, I sent the minimum. I don't know if this some type of scam place, but someone pay off my loan for me because I don't want to deal with the company ever again! It's a headache every month with them, if you got preapproved with them my advice go somewhere else, you will end up pay double if not triple by the time you pay it off because they're don't have a good system in place.
It was nearing Christmas and this check came in the mail. I tried to throw it out thinking it was a car loan advertisement. My kids said, "No mom, this says it's a REAL CHECK PAY TO THE ORDER OF." I took a closer look and started Googling. I was hesitant because the review rating was bad. However, I decided to READ the reviews. They mostly complained of getting phone calls and personal appearances at their doors when they were late for a payment. They compared the company to Mob bosses. I thought about it and determined that these people were only complaint because they were late and this company doesn't take the reject call lightly. Pay the bill on time and no payments will need visits and calls to get payment!
Here I read about people stating they didn't know it was a loan and that they thought it was a payment for a lawsuit or some other garbage. The check was attached to a folded piece of paper that looks like a contract! If you tear the check off you have to touch the terms and conditions that is 3 pages. Also, the check says LOAN in red on it. I am not affiliated with this company, nor am I paid to write this review. I am simply saying it is a loan that is beyond obvious and they do intend on collecting their money. If you can't pay your bills don't take the loan! Our check was for $1300. We pay $113.14 a month to return the money. It can be paid off early. The papers state it will still have a $100 fee even if paid off by the first payment where no interest is accumulated yet. I would use them again.
I sent my payment as usual and a week later received a call stating they had not received payment. I also got a letter in the mail stating the same. I knew this was an error as I look at my checking daily. I knew my check cleared the bank. I answered the call and told the manager the same. He asked for the check number. I gave it to him. Also the reverse side of the check was not a clear image but had been stamped and had a series of numbers on it. I almost have my loan paid off with them. I was told they would look into it. I have proof I have paid and they have cashed my check. Someone has failed to do their job and post my payment correctly. I am concerned this will be a habit for them. I will not use them again.
I received a loan offer in the mail around summer 2017. I accepted the offer and deposited the check in the bank. Well, sometimes things happen at the wrong time, and I was not able to make payments to Regional. They filed a lawsuit against me in a court of law, however they wanted to collect disregarding the lawsuit date. The branch manager asked me to pay up and to make the loan current, which I did and in turn she supposed to call/notify the court to dismiss the case, which they did not. A regional manager called me to assure me that he will check with the branch manager about the court papers’ completion. At this time I contacted the judge myself, and explained my situation with Regional Finance. I am not a lawyer by any means, but I think they are doing all this illegally. I will go to the Attorney General to check on this travesty...
I received a loan from this company and I regret it. At the time, we needed the money to get over a few financial obstacles resulting from high medical bills. The interest charged is astronomical and you repay the loan many times over before you even get close to the end of your note... if ever. They will continuously offer to renew your loan but it comes with more even interest that results in a higher payment that once, again never seems to end. Also, their policy is to call, call and call immediately upon the day your payment is due. They can be relentless and a nuisance. Even though legally, they cannot assess a late penalty until ten working days past due, they will threaten and try to make you appear in their office at your inconvenience. That is a tactic to try to get you to renew their predatory loan so that they can receive a bonus for your misfortune.
I was in the hospital with pneumonia and my local branch argued with me over the phone about needing me to come into the office to make the payment rather than have a check mailed or take a credit card by phone. My payment was one day past due. I have never received a late charge and I pay regularly on this account... I've never been more than a couple of days late. I often even overpay the minimum amount to try and catch up on the interest. Yet, I am still treated poorly by the revolving door of employees that work there each month. There has to be little or no customer service training and even if there were, again it is a revolving door of employees who are probably just following a script. My advice is to not go down this road with Regional Finance or any company like them. You will overpay and be worse off than you began. And you will suffer PTSD from all their collection calls or loan renewal offers... Trust me, they are brutal!
People are stupid until proven otherwise. This sums up the local Regional Finance completely. I have told them over and over and over again that I am NOT to be contacted at work. Call me after work. They don't understand, I explain it again, they continue to call. Now they are contacting family and friends pretending to be my friend and just wanting to catch up.
The one time I made the mistake of answering the phone, I was told I was behind a payment, I asked them to check again, I just made a payment but the check has not cleared the bank. I was put on hold and someone else picked up the phone and again claimed I was behind a payment, I told them the same thing, check again, I just made a payment but the check has not cleared the bank.
One time, I made a payment by dropping the check in the door after hours, they claimed that they never received the check. Come to find out that the cleaning service had thrown them out thinking they were garbage. After this, I started putting my check in an evidence bag, sealing it and taking a photo of it with my cell phone for future reference.
I asked one time if they were able to take a debit card payment over the phone, I was told no. I asked if they could take a payment over the website, I was told no. I asked if they could do a direct withdrawal from the account over the phone, I was told no. Basically, they take a check or cash but only if they are open for business.
One person who was stuck in a permanent state of eclipse at the local branch told me it was illegal to have an answering machine in this type of business, so that there was not a way to leave a message, I had to call during business hours. Really? Illegal to have an answering machine or answering service. There are companies in business with far better standards of customer service, technology and intelligence that have a way to leave a message after hours. I have searched for information on the parent company and ended up going in circles. Regional Finance is owned by someone, but the who is proving elusive at the moment. In the meantime. Their phone numbers have been blocked on my phone and a cease and desist letter will be delivered shortly.
We keep getting phone calls from different phone numbers that they use! I've told them several times that we have filed for bankruptcy chapter 7 and to call our lawyer but they refuse to do so. They say they need a case #! I've explained to them that we don't get a case# until we finish paying off the lawyer. They ignore the fact! They continue to be a nuisance! All other creditors have been kind and respectful and have understood the process but Regional Finance continues to be a nuisance! Wish someone would shut them down for misconduct unbecoming!
I have been a long time customer of Regional Finance. When I got my first loan I was informed that after a year I could get an increase but that never happened. Instead, I am told "oh your credit too low, you have too much expense going out so we can't do." They report it to the bureau and payment status is good and up to date. I was in there on one occasion and someone needed 1200 but her credit score was not too good. I actually witness them to go beyond and give the girl the 1200 but me being a customer of several years can't even get a increase.
If a loan company can't benefit you just cause you problems it's best to do away with it. What’s so pathetic is my other loan company is very pleasant to deal with. I have never encountered any reasons for a line increase ever. They are so pleasant to deal with I love going in there. I was told regional finance will review your credit. The only time they have is when I asked for a loan increase. I also check my Equifax reports from Equifax and it's really strange it does not match their info. Hopefully within the next two months my other loan company can pay off regional finance and I don't have to worry or dread going in there. I would not refer anyone to them because basically they're not wanting to help you.
I received an unsolicited loan offer in the mail. It had a check attached. It said I was pre-approved, all I had to do was cash the check and the money was mine with no other paperwork required. I even called the company and they assured me that was correct. I was pre-approved, all I had to do was deposit the check in my bank account and the money was mine. Payments were to be made per the attached letter. I deposited the check and it bounced. I called Regional Finance and a lady by the name of Cindy said she would look into it and call me back. I never got a call back.
This place is a sham. They're mass mailing letters/worthless checks lying about being pre-approved. When you try to cash the check, then they check your credit and decide if they want to pay the check. These people are criminals preying on helpless people in need of cash. Stay away from these lowlifes, you can't possibly be that desperate that you need to deal with this sort of people. There are other reputable companies out there, go look for one of them.
I got a new loan from Regional Finance in Grand Prairie TX location. When I got the loan they offered me insurance on the loan which I declined it. I have gotten a previous loan there and I knew insurance was optional, but when I went back to get a second loan the Manager told me that In order for me to get the loan it was required for me to pay for this insurance. I was very unsatisfied but I had no option according to the Manager. A couple months later I was told by my doctor that I was having surgery, so I went into the loan office and let them know that I was going to have a surgery and was going to be out of work from 6 to 8 weeks. That I need for them to submit an insurance claim on my loan.
Everything started not so good, the office manager told me I had to get paperwork from my doctor and employment place and that he couldn't help me on any paperwork or the claim. I brought him back all information requested, and he was supposed send it to the insurance claim office. I was told by him that until this gets resolved he was going to put a hold on my account so I won't be getting calls or counts as late. Which I think he never did, because during my disability time recuperating from the surgery I continuously got calls from this office and letters in the mail saying that I was late and that when I was going to make my payment. I called several times to ask for status on my claim and no information was given to me.
Then I decided to go to the loan office ask to speak the Abel ** the Manager and I was told by him that he doesn't know no information on the claim, and he didn't know why insurance company was taken so long for my claim. All He answer me was "I Don't Know..." A couple weeks later got a letter in the Mail from the insurance claim office saying that they couldn't process my claim because the wrong forms were sent to them, and they send me the correct forms for me to fill out and submit the claim again... which I did. I gather all over again the information from my doctor and employment and this time I send it to them...
I called Regional Finance to speak with the Manager, supposedly he was never there, I wanted to tell him that he gave me wrong forms. I also left him messages for him to call me back, but till this time I have not received a call from him. At this time I am still waiting for my claim to be approved, this claim was originally submitted on April. It taken more than the usual process time and all because of the unprofessional help from this location loan office. But the worst thing is, that I monitor my credit monthly and I just found out last week that this Loan office of REGIONAL FINANCE has reported To the credit bureau that I am late on my payments when they know I have a claim pending. My overall experience with this place has been terrible. Their staff is very unprofessional, especially the office Manager Abel **. I wouldn't not recommend this place at all.
It was soooo easy to get the loan. No wonder! The interest rate is extreme. If your credit score is bad and you're desperate for money, they will give it to you when others won't; at a terrible rate. That's where I was. I'll try to never put myself in that position again.
I have been a long term customer and had been satisfied until the past year when they implemented the pay by phone. Since then what was supposed to be a convenience has turned into a headache! I have one rep who can never seem to run my debit card correctly, she always claims it declines. I call back 5 mins later speak with someone else, use the SAME card and it goes through. I have been charged ISF fees even though they entered my account information wrong for my draft. Although I spoke with the manager who assured me no fees had been added I had a rep today try to charge me those fees when I called in my payment, even though this same rep told me 2 days ago that she didn't see any fees on the account. Will never do business with them again when this loan is paid.
About a year ago, I received a loan from Regional Finance. Ever since, I had never missed one payment. On February 2017, I had requested to change the payment date. Amanda, the representative that I spoke with, informed that that I need to come in office and sign a form in order to change the date. Effectively, I went to the office, I had changed from the 10th of each month to the 20th of each month. Therefore on March 2017 I paid on the 20th. In April 2017 I paid on the 20th, then I was told that I have 2 late fees. I was told that my due date is the 10th. When I asked about the paper signed for the change on 20th of the month. Amanda, the same representative told me that, it is not updated in the system yet, they will take care of the mistake and remove the fees. I was disappointed, so I told her that I will go back to the 10th of the month, I suspected that they were playing game with me. Come to the month of May 2017, I paid on the 10th.
Therefore I had paid on April 20th 2017 & May 10th 2017. June 6, 2017, I dropped the June payment at the office. On June 21st, I received a call from same representative, Amanda stated "that you are late for the month of June 2017, we never received any payment, for the 20th because your payment is due on the 20th". I immediately faxed her the money order receipts for the month of May and June 2017. She called me back and insisted that I did not pay. I informed her that I need a lawyer and I will retrieved who cashed the payment. On the same day I filled a PS form 6401. Presently I have in my possession the payments cashed by Finance Regional Lawrenceville #1108 Acct. #**. This company needs a serious review. I have proof of fraudulent activities. I advise anyone to stop doing engaging in business with Regional Finance.
I received an letter from their company saying that I had available credit. When I got there the worker told me that I had to be approved. l was under the impression that I had available funds already approved but lo and behold the story was different. She had me sign papers which I don't understand why and pulled my credit which at this time isn't good but fair, told me I wasn't approved and as I was leaving shouts "pay your bills". Why tell me that I have available monies when I don't. Customer service with these people is very poor.
I went to this Regional Finance today, they had approve me for a vacation loan... the poor lady Kimberly that was working in there by herself with no help, no manager. She had to take payments and trying to help me with a loan. No manager in sight. What if someone came and robbed that poor lady or raped her... if they want to train people they need to send someone from the corporate office to do so. I went back cause they said I was approved. When I went back and they seen where I had another loan I just opened they rejected me of and I wasted my dad's gas to take me and his car was already tearing up. I should have made them pay me 20 bucks for wasting my time and the lies... I RECOMMEND NO ONE GETS A LOAN WITH THIS WACK COMPANY!!!!
I made my payment in a different office than my loan originated from. I presented my payment stub with my payment and it was made to the wrong acct. I was made aware of this when I received a phone call that I had not made a payment in 2 months. I had my receipts and canceled checks where I had made my payments, so they could be corrected. Brandi ** was the clerk who took my payment each time in Marion, SC. When I confronted her on my next payment I was told that I needed to tell her how to do her job because giving her a payment stub must not have been enough information for her to do her job correctly. I am so sorry but I don't work for Regional Finance and should not have to tell you how to do your job. I take my payment slip with me, that should be all an employee needs to do their job correctly. I do not appreciate dumb employees.
I will never get a loan again from this company or any other company ever again. They send you a bill saying that you only owe 240.00 dollars more and then call you saying that you owe them 325.00 more. I have paid them every damn month. They rip people off. Avoid these idiots at all costs. I am very dissatisfied with them.
Regional Finance Company Information
- Company Name:
- Regional Finance