Regional Finance Reviews

OK, I'm going to be completely honest. I received a loan from Regional Finance and at the time I needed the money. Well I got back on my feet and had enough to pay off the loan early. The loan was only $1400 and my balance was $2000. I paid $100 first month, $100 second month and $800 the third month. Which left me owing $1000. So last week I paid off the $1000 but here's the thing. You have to go to the branch to pay off your loan. You can't pay it off online. I think they do this because they want to try and talk you into borrowing more money. When I told the receptionist I wanted to pay off my loan. She said, "Oh no. You don't want to do that"! When I asked her why. She said, "because we need you to stay longer".

Be very aware this company is a fraud company. They will send you out these checks or maybe you just down and out and need help at the time...they will give you a loan. Don't tell you anything about they hiding fees and will drain you freaking dry...I have a loan out with these demons now and by the grace of God I will pay them off...and when I do I don't care how bad off I am. I will never in my life deal with this company ever..ever...ever again..so for whoever is reading this message I letting you know now stay far as you can away from this company. STAY FAR FAR AWAY!!!...STAY BLESSED AND USED ANOTHER COMPANY!!!

So, they sent me a check., I didn't ask for it. $2,400 and at the time, I was like.. Yeah I can pay off that refrigerator I got from Frys. That's fine but, at 12 payments of 24, they reach out to me and ask if I want to extend the loan. I'm like no, it's ok but they tell me "Oh don't worry.. You have such good payment history. No credit check, no worries.. Just take it." I decline but, in early September, I get COVID... Owe. Can't work 1/2 the month. So I call and ask if the offer is still there. Girl says absolutely. I tell her, "Ok maybe we can do it. I'll get back to you." When I call back on Monday, it's like.. They hate me. They don't care if I pay on time. They are like.. "No, you're no one." I have 4 payments left and, after all this runaround, I am done. I won't do business with them again. Sorry I ever did. I mean, don't call me and offer anything if you don't intend to go through. Wasting my time. Don't do business with them. You'll regret it.

They sent a check to someone and using my ss#. I have never borrowed from them in my life. Now the person that received the money is not making payments or is behind. I am getting calls and letters from them wanting the money. I never give them permission to use my name or social security number. This company is a bunch of crooks who steals from any one they can. DON'T DO BUSINESS WITH THEM.

I initially took out this loan for a little relief during covid. Have paid every payment on time and like a week early. During this time I have been trying to buy a home and was receiving alerts about the Regional Finance. In January when I got the first alert I called them and they assured me that it does not affect my score in any way. I felt like maybe I was wrong and let it go. Since then I have continued to pay my payment on time and early and it stalled my score because they are reporting my interest increase and not my payment that I am paying. I reached out to corporate and again Not a real answer just denying that it could do anything regarding my score. Don't obtain a loan unless you just really direly need it because this company will have you paying forever and when you have problems or concerns it's no resolution. I was told to PAY THE LOAN OFF AND FIND ANOTHER LOAN COMPANY. BEWARE.

The loan offer came in the mail. We reviewed the terms and deposited the check. Funds came quickly and we received a courtesy call. The rep, Meredith, was helpful and answered our questions. We were able to pay it off within 3 months so the interest rate wasn't bothersome. I feel that some people taking this offer didn't really read the details and somehow believe they can get off the hook for repayment. If someone borrowed your money and then came up with a slurry of excuses not to repay, you'd be mad. Not just say, "Oh that's fine. You don't need to pay."

Inquired about the company and asked for loan details prior to applying. It was not mentioned during that time that BK Chp 7 had to be discharged for 2 years. It was disclosed after the hard pull on my credit report. Rep said I met everything else aside from that. I feel like that is important to know before proceeding with an application that will affect someone's credit report while they are trying to rebuild. Not happy about that!!!

PLEASE DO NOT DO BUSINESS WITH THIS COMPANY!! LISA at the Round Rock location lied to me and told me the insurance policy and auto discount plan was complimentary for me using them for a loan. Two weeks later I find out that I am actually being charged for both the insurance and the auto policy and she lied to me. When I called to cancel it they tell me they can't only the supervisor can. I call back and she repeatedly hung the phone up on me and told me she would not be cancelling my insurance. I have called their corporate office and filed a complaint as well. I will never use this company and pray that no one else does.

I cashed the check these guys sent because I was low on cash in my new business and I wanted to build my with a short term loan. I sent them $1400 of the original $2400 loan amount, they agreed to send me an email when the next payment was and I never received it, resulting in them charging me an extra $150 interest. This is loan shark company, Beware.

I received a pre-approved loan offer for $2400, which is the same as what married couples get through COVID-19 stimulus checks and it is therefore very misleading. Even more insulting is the exorbitant rate of over 30%, meaning you are paying over $850 in interest on a 2-year loan some people may have accidentally signed for. This is unethical to say the least.

I was disheartened by the functionality ethical practices of Regional Finance! During these dark dire days of COVID-19 and many of us losing our jobs, altering our livelihoods, juggling our expenses, their company has opted NOT to support eliminating finance charges and fees on loans! I ask why... Yet they advertise on their website a link for covid 19 help, which is not true, the HELP and Support is not REAL!

A few weeks ago, I was notified of a loan taken out under my name and was being asked to pay $1500 within a 48 month period. I never took out a loan before and was confused about how it occurred. The loan organization explained to me that they mail checks to possible customers. Once endorsed with email, phone number, I.D., and signature the check can be cashed and the loan is activated. My signature was forged on this check with fake phone number and email address. The I.D. number used was an old expired I.D. of mine that went missing years ago. I put in a dispute with TransUnion and Equifax, placed a freeze on my credit, filed a police report, and started an investigation with the corporate loan office. Despite all of this, I have not heard back from any of these entities and the loan is still active and affecting my credit score.

I called to request a 30 day extension. Office manager Ann advised me that the only way to get extension was to barrow more money. I'm trying to pay it off. Seems to me they want to keep the leash wrapped around my neck. I'm thinking of taking the money and file bankruptcy on their BOOTIES!!! Do yourself a favor if you see a check in the mail from them in your mail box don't throw it away don't cash it BURN IT on video and send it to them. Please do NOT do business with them..

I had a loan with them and was paying it down. One of the loan specialist Irene in the Greensboro NC office offered to redo my loan and skip the next payment. They dont tell you they start the loan amount over to the original amount you were approved for. I had a balance of 800.00 and it went back to 15000.00 without them telling me. Scam. Will never use them in my life ever. Stay away.

I received a check in a mail regarding a short-term loan. I called to discuss the terms of the loan with the company. They explained all of the terms and directions to a physical office. I have been very pleased with this company.

The Regional Finance located on Port Washington Road in Glendale, Wisconsin provided a very professional experience and the customer service was superb!! I had almost completed an original loan with the company when I decided to see about refinancing that loan for a larger amount. Rob greeted me first since I was a bit early for my appt. with Dawn. I then worked with Dawn and completed the process very thoroughly, and I received not only the loan I requested, but all the information necessary. Everything went perfectly with the initial loan over a year ago and with the new loan now which not only paid off the old loan, but allowed for the extra cash I requested. I have only good things to say about this branch. Thank you!

I was under the impression that they we're a good company but my experience was very bad. They had a hidden agenda and unethical practices. I was charged way more than I was approved for and my payments were even higher.

The people are all smiles but they only care about you putting your signature on that piece of paper. They do not give a damn why you need the money. They only want to say is "I got another one" but they better be careful because GOD does not like people who does wrong.

Sent me a notice asking me to renew. After getting 3 notices, I gave in. Talked to the Manager on the phone. Told me I only needed to come in and sign the papers, and everything was set. After I got there and did all that was required, I was told they made a mistake and because I am a Renter, I could not renew my loan. I was a renter when I got the loan in the first place. I have been renting for over 40 years. I am a 100% Disabled American Veteran and Retired. I believe that because I am an Old Man, is why they changed their mind. I wasted my time accepting their offer. If you are OLD and A DISABLED AMERICAN VETERAN, don't waste your time.

This company sent me a check in the mail at the end of 2016 for $2000.00. I cashed the check and paid it off in December of 2018. I was happy that I had paid it off, but then the young lady in the office talked me into getting another loan. Well like an idiot, I took another loan with this company. I made payments on up to June 2019, however I had left my job in March 2019 with an health issue and I was not able to make any more payments. I am now receiving my social security but they are not the full benefits. This company is now suing me in August for a missed payments in June and July. I am letting consumers know that if you have to borrow from your family, friends, or church, do not make the same mistake that I have made.

Had high loan. When I figured it out, I was paying 300 % interest. My loan was supposed to be 27% so lady there said the higher the the loan, higher the interest in GASTONIA NC office. 300% - I will be reporting this to the BBB in North Carolina.

I would advise everyone to STAY AWAY from this company. The interest rate is terrible and the way it is applied is designed to keep you in debt. Most of the staff is new and relatively untrained so you will NOT get good service. Of course, this means that you get a lot of misinformation. If there is no other option for you (as there was not for me at one point), pay it off as quickly as possible. But be prepared for frustration because their loan structure is not designed to help you.

I was sent a check in the mail. I cashed it, deposited it in my checking account. I got a very nice courtesy call saying my loan has started. I make my monthly payments online. I called to make sure they got my first payment. They let me know they certainly did. I was told if I needed anything else to give them a call. I may check into a car loan after I pay off my loan. I am very happy with this company.

The Cleveland, TN, branch will lie and tell you one thing and even go so far as to have you sign papers, and they turn around and do the opposite. They constantly ask us to renew our loan or told us we don't need this insurance on the loan anymore and we can have it removed to reduce the payment and amount owed… Long story short, they wasted our time and lied and we will never use them again and I would recommend anyone considering using them to be wary of their tactics and lies.

Long story short. A fraudulent loan was taken out in my daughter’s name by someone she knew. That person then waited for mail to come each day, stole the check out of our mailbox and forged it. Regional Finance has done nothing to help rectify this situation and continues to call harassing my daughter for payment. So they continually victimize her all over again while also helping to bring her credit score down to nothing. Great job Regional Finance. I will be sure to continue to tell our story to everyone we know so they don’t use you.

So around Christmas I am on vacation. Wanting to buy something for my wife who was stationed overseas. Need some extra cash. Was in the area. Very early. Went inside. Woman told me she was available to talk about personal loans. Gave her my information. We discuss options and financing terms and employment for about 30 minutes. She receives a phone call. I am waiting for another 30 to 40 minutes. The associate says to me "I apologize. That was my manager. He wants to know if you're a member of the military". "Yes maam. I am". "I'm sorry sir but we don't do business with anyone associated with the military or government. Whether it be local state or federal. It's a company policy. I will delete this information and hope you have a good day".

I was pre-approved from this company (Regional Finance) and I gave them more information when I called them. They said they would call back and let me know the status before 6 pm that day and I never heard back from them. I called back 4 days later to inquire about my application and they act like I had never called them at all. The lady on the phone came back after a short while a said we wouldn’t have ever given you a pre-approval anyway because your credit score is too low for us and hung up.

I received a $2000 check in the mail today. I was going to cash it but there is one question on the back that I cannot answer. So I called the company and inquired about said question and what I should put down for an answer. Allison said she would call me back shortly. A half hour goes by... I call again. Gavin answers the phone. I inquire my question again and he says he will ask Allison. Another half hour goes by so I call again (I was pressed for time because my bank was going to close soon) and he answers again and tells me he is busy with customers. (Umm... What exactly am I? Not a customer?)

Rude, unprofessional, they call and expect you to drop what you're doing to pay them or they become rude and hang up on you. I hate this place and will never go back. I explained I was in the hospital with my wife and I'll call her back when I get a sec to do so and the lady on the phone says "well we are open until 6 then so I'll be waiting your call. I then again said I'm in the hospital with my wife. I'll take care of it when I can and she says, "Well if you dont call I'll be calling you again today and every day..." What is that a threat? I told her she had no compassion for what is happening in people's lives the very sec that they call and they expect everyone can drop what they are doing to give you a payment when they feel is a good time to call. So she says over my voice while I was talking I'll be calling you later and every day and hangs up on me. Ridiculous. Her name is Latasha or something from the Bryan TX area.

These wonderful people decided to wait almost a year to add a old account as a new account which then magically changed to a negative all in the matter of one week. My account was opened in August and the smart lady decided to add it on January 20 2019 and default February 2 2019. They never reported any of the on-time payments or the past pay off. She made it personal for some reason. She brought her husband to court with her for a business matter as if someone had threatened her. Smh at Regional and your ** unprofessional employee. Be aware I believe she will try to miss with your credit report. I'm getting someone to fix the damage she's done. Not today Not this time.

This company calls and hangs up in your face on purpose like children. They play on the phones after hours and even if you just spoken to them a few minutes ago. The employees are very rude and unprofessional toward customers. They have the highest interest rates I have ever seen on a loan. This place will not last long if they don't get their employees under control. I will never get any more services from this company at all. Very bad company...

I had 2 different account with them. I paid off one and got another one. I made 2 large payments to them and advised my account was paid off. 8 months later I get a call from them stating I have a balance. I told the young man my account was paid off per the last person who took my payment. The manager gets on the phone and tell me the guy is longer with the company for giving false information to the customers.

This is absolutely the worst company. Extremely rude. Today, I received a call from the manager. I've told them several times I'm enrolled in a debt relief program. He tried to shame me for my decision. Basically, told me I was stupid. I had to threaten them with the FCC and Better Business Bureau before they would leave me alone. Absolutely the worst company I have ever dealt with.

I took out a loan from Regional Finance before reading reviews. After reading the reviews I got a bit worried since many are negative. At the beginning of 2019, my debit card was used to make unauthorized purchases and my bank canceled all charges that were charged to it, including payments to Regional Finance. Due to the mix up with the bank, it has messed up my account with Regional. I have talked to the manager at the local office and also the manager in charge of electronic payments. They were both very helpful and assured me they would do everything they can to help me straighten my situation out.

I live in Buffalo New York. We are under a state of emergency. There’s a blizzard. I can't get out to cash my checks. Have not been to work and I have a payment due tomorrow. I have a payment extension due tomorrow and they will not give me till Saturday to make the payment. They tell me because I was behind due to two deaths in my family children dying that they are unable to help me. Basically I need to get out in the blizzard and go try to cash my check to pay them.

These people lack DECENT Customer Service skills. They will talk about you right in front of your face. I complained to management. The next time I went there management joined in! They show no respect for the customer, they are all just a bunch of bullies who talk about the customer in unfavorable fashion right in front of their face! I beg of you Not to go to Regional Finance in Charlotte NC, particularly the one on Independence Blvd. YOU HAVE BEEN WARNED!

My experience with company is horrible, The people are rude, disrespectful, and bad customer service, One of the employees hung the phone up on me. She didn't feel the need to explain why my monthly fee was more each month. I CAN'T WAIT to pay this company off. I would not recommend this company to anyone.

I was viewing the request on the website. Some are good of course and others not so good. I have a car loan with them for about 2 years now. Making arrangements is fine. Customer service needs help. The reps sound rude when talking to you and some of the reps will take time to help you in any way possible. Overall I have a great experience.

I have been a customer for several years. I pay early and over the amount due. I received a flyer/called/was approved/for a loan. Bank accounts exceed 5000.00 of income. 3 paychecks deposits. I am P.O.A. for handicap mother/payee/V.A. & SSI caregiver. This is income. They refused all my income. 1- was month $6500 all bank statements. The real issue was the staff was all **. Was treated with such prejudice because of the color of my skin. I'm **. I qualified based on my bank statements and payment history. They approved me over the phone... I would not recommend this company for any financial needs. I recommend Going elsewhere. This was the Garner, NC location.

DO NOT use this finance company. If you default on your loan they send the constable to your home. They won't work with you on a payment plan. HORRIBLE. They don't understand hard times. DO NOT use this finance company.

I got prequalified for a loan, which did not affect my credit score. This is why I applied. I contacted my local branch, as recommended and went through the additional steps to qualify for a loan. The person I spoke to, Travis, advised me that he would follow up with me within the hour. About a minute after I get the alert from Credit Karma, advising me that someone has checked my credit, which added a new hard inquiry, lowering my score, I get a call back from Travis, who is yelling in the background at someone else so loudly that I had to repeat myself when I answered the phone. Unprofessional.

I had gotten a loan from Regional Finance a little over a year ago. This was the first time using them, and it was relatively easy to get a loan. Good credit score, good payment history, good employment history, etc. I paid my loan on time every month. Actually I paid a little bit more than the minimum. Generally how I do things, try to get ahead or get paid off sooner. I was terminated from a job that I had been at for over 8 years, due to no fault of my own. I applied for unemployment, and there was an inquiry on why I was terminated, and they determined I was let go for no reason and I qualified for unemployment.

I got the This is a Real Loan Check in the mail. I typically shred these offers as most are scams or the interest rates/repayment is stupid high. This time I laid it aside for some reason. I found it a few days later when tidying up my desk. I decided to research the company and really look at the attached Promissory Note and the APR and other fees. I decided to call them to get more information. I wanted to be sure that if I took the offer, I could pay it off early with no fee. I was told yes and that there would be no fee other than the interest that would be charged for whatever the length of the loan was. And there was a $100 fee that is charged for everyone. I told them that I would call again later and decide if I wanted to do it.

This company gouges. Quite frankly they should not be allowed to make loans. I would recommend to anybody to go anywhere else but here. What they are doing borders on Criminal sir. Interest rates which border on usury and in no way, shape or form should this company be accredited.

I don’t have the best credit, I needed a loan. I went to Regional and they gave me what I needed. Never had a problem with them. Everyone in the office is kind and very courteous. My experience was good. I paid my first loan off, later on I got another loan. If you get in a bind financially they will try to help you work it out. Love this company. No problems here!

I have applied for loan through Regional Finance Coy. My agent name is Aisha. I have paid to this Coy Rs 107000/- for sanction of loan as a security money. They neither sanction my loan and nor refund my money. This is a fraud Coy and please no one try with this Coy as Aisha. She is a big cheater.

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.

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.

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).

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 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.

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).

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

The reason I am writing this review is because I was googling another topic about them, but I only read how rude and how they kept calling the phone listed in case you don't pay. I will say this, I have been late with them multiple times and I have not answered their phone calls, but when I do they are very professional and kind. They are only doing their job. We signed up for the loan it's our responsibility to pay. Although I have been late and haven't answered or come in when they expect me to. They have worked with me. I have also been a long time customer and you will never find another financing place that loans with the rates they do.

I always pay my payment but have been late a few times. I've asked them numerous times to not call my work or my friends. I am putting it in writing this time because I know legally they can't after that. They call on the same day after I have told them I'm coming in to pay the payment. Rude! I will not ever renew again with them.

I've been with Regional over 3 years and I pay on time and renew quite often. But I ask for a larger loan of 1500 to 3000 dollar to purchase a individual owned use vehicle and they refuse me and still loan my family member an larger amount than me. And her income is not as much as mine's a month. I have a problem with it's a personal thing with the staff with me.

I actually just looked up the address to send in my payment, as I am not at home. And I saw all these horrible reviews! Well, I am here to say... if you pay your payments on time with why you promised you would when you took out the loan. There won't BE any problems. If you're going to be late. CALL THEM. Don't wait for them to start calling you! Explain why you're late and 9 times out of 10 they will help you.

This company makes it next to impossible to make a payment. They also will not send you a monthly statement, or any type of reminders for your loan. The website says they accept checks but I just got a call saying they don't. I need to come in, pay cash or send them a money order. I live about 45 mins to the closest branch to pay. I just told them to come get the product cause this is BS and all y'all are doing is making it so that people fail on the loan. I do not recommend anyone getting a loan from this company.

Got a call today from Regional Finance in Miami Oklahoma because we were late on a payment. The female calling was rude and belittling and talked to me like I was a dog. I just wonder if the owner of the company encourages the managers to be especially rude and arrogant to customers that are late. I have two family members that have been placed on Hospice this month and a husband that had a stroke and attack, have been traveling and trouble with finances. We have other loans and the companies have not pressed, been rude or belittling. There is no call for a manager to be so rude to ANYONE really. People know when they are late with a payment. We are old enough to be her parent. I really hope she gets reigned in...if not fired...just uncalled for. Won't be a customer again!

Unsolicited loan check in my U.S. mail - I do not want unsolicited loan checks in my mail that could be stolen and cashed by a criminal.

I was a long time customer of Regional Finance for the past 5 years. At first, I had the best experience with the manager Mrs. ** whom was there in the beginning when I first signed up with Regional Finance. Since then they have changed managers and made her assistant the manager of this branch in N. Augusta, SC. I advised the new management that I had lost my job and had been unemployed for 9.5 months. I was told that he would work with me and my husband in getting the payments caught up. Well he did, he kept refinancing the loan with a higher payment and longer terms. What started out as owing approximately $2000 he changed out loans and made the balance owed to regional at $8k with a much higher premium than I had before. With this in mind, he knew I was unemployed and could not afford to make this payment.

These people are good with loaning money. I have had several loans by them. The bad news is, they run a "HARD" inquiry to your credit which sends your score way down and doesn't get removed for 2 whole years! Yup! It even says over and over and over in the fine print and adverting that they "DO NOT" do this! UMM... Yes they do! It's really not worth it if you're trying to establish credit cause they are bringing you down big time! This was for renewing my loans too. What a HORRIBLE COMPANY! Glas I paid them off 100%. WILL NEVER BORROW FROM THEM AGAIN EVER!

Last year around this same time my father-in-law who has been deceased for 3 years... This company sent him a check for a loan and I am the one who handles financial cares. Well I opened it and said this is a real check for $1,300 and I called them and said "is it real" and answered yes. Okay I did the right thing and I called to tell them that the name on the checks is deceased and they asked would I return it. I said yes and I returned it. Of course I applied and denied. They sent another one in his name... returned that check.

As I write this review, I will say that I am not angry. I notice most people write reviews when they're angry, upset, and or disappointed. I will say my experience was not great and because of this experience it made me cautious in the long run. We all know thing happen sometimes that we cannot not control. I lost my job and stop paying. So I went to court. In front of the Judge a lady name Jamie stated "we are willing to help you". So with that being said I requested to pay $50 a monthly simply due to the income reduce.

I have had a couple loans from Regional Finance over the last 3 years. I received a check in the mail at a time when I had no idea how to make our monthly budget work and was behind on everything. I read all the fine print and while the interest rate was not ideal, neither was my credit! I have had nothing but good experiences with all the girls in the office. I am a VERY forgetful person and they call me almost every month on the 6th like clockwork and get so excited when I actually THANK them for calling me to remind me to pay!

I fell behind on my loan. Was told "No problem. We can help you out." Told them when I could make payment was very rudely "You need to come in the office so we can explain our privacy details." Ask them to explain what they meant and was told "You just better come to the office." They then proceeded to call from blocked numbers. Their rates are 142 percent and the state allows it. They say they are a finance company. I cannot wait till I pay them off and will never ever do business with them and will not recommend them to anyone!!!

Will never do business with them again. Got behind one payment & got summoned to court. Wouldn't recommend them to my worst enemy. Stay away from this company...

I went through hell just to try to get a loan to pay for my summer classes for school until my refund came in. I had to go through all kind of red tape. Finally the lady said "You are approved. We just need to verify your work." The guy Marco told me that he called my employer and I got the fax number. I get a call from Agnes ** the manager with a nasty attitude telling me she is denying my application because she cannot verify my employment. I asked her what does she mean. Marco just told me she talked to my employer. She went on to stay with a nasty attitude that she doesn't care. I swear I wanted to jump through that phone and slap the hell out of that lady. I was so pissed. I am like "I don't have to lie, about a job. I gave y'all everything you ask for." I don't know what her problem was.

My wife received a check in the mail from Regional Finance Corp #570, but at the time she knew nothing of what the check was for or if it was even real. The amount of the check was around 1300.00. My wife did call the phone number that was with the check and she asked if the check was real. She was told by the person on the phone that it was a real check and that she can cash it. My wife asked if this was for a class action suit from Barnes & Noble that she was part of. My wife was told that it was part of that suit and that the check was hers to cash and keep. She was never told that it was a payday loan.

After my divorce, I was unable to maintain the luxury car my ex-husband purchased for me. I went to a dealership in town and traded my vehicle in for something that was within my budget. I was financed by Regional Finance. At the time, they were Auto Credit Source. I never heard of them, but I knew that without my ex-husband as my co-signer, my credit was non-existing, and I had to start somewhere. Some things didn't add up from the beginning, but I was so overwhelmed with my four children, 3 jobs to stay afloat, and countless personal battles, that the last thing on my mind was how I went from paying $340 a month for a Mercedes Benz, to paying $550 a month for a Kia. It bothered me, but I couldn't fit my children in the previous car and I couldn't afford the repairs the luxury car required at that time. So having a newer car that ran with no mechanical issues, and that all my children could fit in, seemed more like a priority.

First let me say that I have gotten over 10 loans from this company and I have always paid them off within the first 30 days of the loan. My last loan was for 1300.00 which was due on 02/28 which is on a Sunday. I received a call from Joanna the worst customer service ever. I informed them that I would be paying off the balance. I ask if they would take a check over the phone. She stated that they do not take payments over the phone and I stated to her this is why I do not like their company because they are not customer friendly by phone or online. She stated to debut with me and became very argumentative (given to expressing divergent or opposite views). I informed her that I did not want to disagree with her I just wanted to pay the balance off. I disconnected the call because she would like allow me to say anything without over talking me.

Don't ever borrow a loan from Regional Finance. The staff is the most unprofessional and worst attitude ever. They are lucky they have a job for borrowers like us. My husband's payment was due on the 7th of every month and they would call on that day to remind us to take the payment as if we were children. If you mail your payment, they are bound to lose it and make you go in person. One of the times I called inquiring of the receipt of my payment and she was rude and even hung up on me before I finished asking.

My wife and I took out 2 small loans with these bloodsuckers. Mind you, we've had car notes and other loans throughout the years, we've always paid on time. I fall 1 month behind and their showing up at my door? Also, had the worst attitude I've ever witnessed. Even after I went up to the office and explained my circumstances and make a payment. They're still threatening me with a lawsuit over $90. Stay away from these loan sharks and shop elsewhere. Their loans are predatory and they could care less about you, your community or your circumstances.

My daughter was told she was approved for loan and not to pay anything on the loans she was going to consolidate, even though two were due that day. The next morning we clued to verify the loan, we're told to come in to sign the paperwork. When we got there they told my daughter she was 20 dollars over her debt ratio so they could not help her. I offered to pay off one of her loans to lower that debt 90 a month but now they are too busy to even give her the time of day. So, now my daughter will show late payments with two companies. Thank.you, Regional Finance for having inexperienced employees and rude customers service.

I took out a personal loan of $1000. The contract said if I pay the loan off early I would not have to pay interest. I made a $800 payment towards my principal. The Rep told me if I come in and pay off the balance of $349 that includes the processing fee I would be ok. Instead of paying off the balance I made another principal payment of $112 after speaking with Rep confirming my balance due which should bring my balance to $237. I received in the mail an invoice that my new balance is $534.51.

When I first spoke to the office on White Horse Rd the office manager spoke to me like a piece of crap and now they're calling our elderly family members demanding money and telling them our business. We refuse to pay them for this reason.

Watch out for the optional insurance coverages that some branches add on without explaining them. This is technically illegal and they are supposed to give you a quote with and without these coverages. They are very expensive. Also, they leave far too many details on voicemail. In NC for example, all a collector is allowed to say on voicemail is name and number. If the word account or anything about a payment or a broken promise is left in your voicemail save it and contact their district manager and file a complaint. Call an attorney if you are able and you may be able to get out of dealing with them altogether.

I had called and spoke with an employee and made an arrangement to put the payment in the drop box and I was advised the office would be open on Saturday. They called me back and was quite rude stating she was trying to work with me and I needed to put the payment in the drop box. I felt that was not professional at all as she did not know of the previous conversation. Either she needs to talk with her staff or listen to customers as they call in. I will be paying out my loan and not refinancing. I would not recommend anyone to them and I will not use them again.

I dropped off a check for $50 and they mailed the check back with a sticky note saying my payment is $94. I know I'm behind about 2 months but I dropped a $100 two weeks earlier.

Made arrangements to make payments with Beaufort SC office. Forgot to call by Saturday, therefore a vehicle pulled up in my yard Monday morning from the Hampton, SC office. I thought it was my wife's ex-husband who has already destroyed numerous items of ours. I went out with a bat, reached in passenger side of vehicle while the driver got in driver's side and that's when I realized camper was being repossessed. I took keys out of ignition, tossed in front of vehicle, walked to rear to make sure camper was unhooked and told worker she was trespassing and I will be pressing charges. She stated that I didn't have to come out with a bat and I said, I never in any way shape or form threatened her with this bat. I turned around and walked into the house while my wife made sure she left.

My payments are purposely being held for two weeks before the check is cashed. Racking up interest. I don't receive monthly invoices reflecting my payments. They don't listen to what I say. Dismissive tone from person on the phone. I've sent the final payment, but believe they will hold it to prevent the payoff.

I have had an account with them for a little bit now. I admit and I am little slow on payments but always pay! I have been out of a job for a month and explained this to assistant manager. She told me I should renew acct. I told her I would probably do this the next day. I decided not to renew a $1500 with no job because it is in my best interest. How would I make the payments?

I was a returning customer. I had paid off my first loan with no late fees - I always paid on time. And when I came back for a new loan your manager at the Nacogdoches location did not treat me like a good returning customer. He said he would help me but he did not. Even talking with the district manager I did not get any satisfaction. All I wanted was a small loan to get me by, and they couldn't help me so I will never recommend these people to anybody and I will do my best not get involved with this company again.

I have had several loans with these people. I pay on time and have never had a problem. They are some of the nicest folk I have dealt with. These finance companies are in business to make money. I see so many negative reviews about them. I can not believe all the fault is on Regional Finance. I have used them for about 3 years now. Have never been turned down for a loan, called about a late payment, and have been treated with the utmost respect. As a matter of fact I enjoy going in to make my payment.

Don't go to this company. I went to the store in Houston TX to pay off a loan. Well come to find out I also pay a big portion of the interest of the loan? There's no point of me paying it off early at all. What you are doing here is taking people's money. Never again will I do business with them. I'm reporting them to the BBB.

I financed a car through the RF in Sumter SC. This finance company is a joke. They obviously think that harassing people and belittling them is an effective way of rendering payment. I recently had some things out of my control happen and got behind. I went to the branch manager, **, to help me resolve them. He made me literally cry for two days. I have never felt so small in front of anyone ever. I am very very close to just leaving the car in the parking lot with the keys in it so I don't ever have to see him again. This man clearly does not need to be working with the public. With that being said.. I must say that ** and the lady that works there now are both very respectful and helpful. My other complaint is that I asked for a printout of my payment history since Jan twice and was denied it. Their computer system is ancient and they are still unable to process a debit card in 2015. At this point I don't know what to do...

After many phone calls and many, many, MANY collection phone calls because my information wasn't correct - I finally gave up on this company and I'm done dealing with them. I've never had so much trouble with a company taking my money! They need to update their EXTREMELY old computer system and add notes of when they speak with people. I contacted BBB about the situation and I'm waiting to hear back from the company.

I had helped someone who was in a worse situation than myself and the check came in the mail for 1300.00. I made contact and they answered questions I had after I had read all the fine print that was attached. I was able to pay my rent. Thank you!

Applied for a loan. They give you the run around. Take forever to answer calls. Took 1 week to let the person know that they were not approved for the loan. Asked to speak to the manager. Did not want to answer the call. Very unprofessional.

As a "preferred customer" we just received a "pre-approved" cash loan in the mail, and it has a check for $1300.00 attached. The back of the company's form letter discloses an APR of 60.98% and finance charges totaling $589.10! We have never heard of this company, and we will certainly never do business with them. It infuriates me to think that people will actually cash this check, not realizing the terms that doing so will expose them to. Is this company's activity even legal?

They need to hire professional employees. They make so much mistakes in the Albuquerque office. Last month they kept harassing me about my payment; when I contacted my bank they gave me proof that not only had they received the payment but that they credited it to the wrong account. This month they refuse to accept a check from the bank claiming that the info on the check was wrong & charge me late fees. When I contacted the bank they said that is the info that they wrote on the checks since 2014. So of course the bank refuse to reimburse the late fees of $6.00. I would not recommend this business to my worst enemy much less my friends & families.

Don't go to this company. I went to the store in Dallas TX to pay off a loan. Well come to find out I also pay the whole interest of the loan? Wth there's no point of me paying it off early at all. Then the manager tried to make me feel stupid saying I didn't know what I was talking about. Well let me tell you something I know very much about loans and what you are doing here is taking money away from people. Never again will I get money from them. Think twice people.

Well, I lost my job and when my check bounced they called. I told the manager ** I would try to pay both payments the next month. Well it came I was not able thinking I would have a job. Well, anyhow, I went in, paid them 500.00 and made an arrangement to pay the rest back as soon as I could. Next thing you know, they are sending the constables to my family members’ house. When I have the documents in writing with their head letter and my plan is to pay another 500.00 next month and won’t owe that much but these people are crazy. They act like stuff don't happen in the real world but in reality it does, hard time do come real.

This company failed to highlight that even though you pay your loan less than 30 days period, they will still charge you the entire 30 days of INTEREST CHARGE!!!! This company does not help poor people because they are the sharks of the society. IF AND ONLY IF YOUR LIFE OR YOUR LOVE ONES' LIVES ARE AT STAKE, THEN AND ONLY THEN YOU SHOULD TAKE OUT LOANS OR CASH THAT CHECK THEY SENT OUT. BEWARE OF THIS COMPANY AND THEIR EXISTENCE TO RUIN YOU!!!!

I have been a customer of Regional Finance for almost two years, making all payments on time. I have never overdrafted from my bank account but made a whopper of an error, causing my check to Regional Finance to be declined. I immediately re-sent the check through my bank and called RF to make them aware of the mistake and that another check was on the way. Imagine my horror when I was told they wouldn't accept my check and that I had to pay by cash or money order.

I purchased a SUV and paid it off 1.5 years earlier. I thought I would get a deal on the interest by paying it off early. I did not. I still had to pay the full amount of the loan as if it were not paid off. This is an unfair practice that needs to be dealt with. Unfair. I would like the money due to me.

I was in the hospital in intensive care and missed a payment. After getting out of hospital I called the Lancaster, SC office at 226 South Main St. to request a payoff on the loan of three [3] months. After making 2 payments in excess of payment due prior to a $1200 loan I was told a total payoff was 1202.98. I sent a check for $600 on 1/28/2015 to the aforementioned address, Six [6] days later I was sent a letter from Charlotte, NC stating I owed $1484.40 with no reference to $600 payment.

I have a loan with Regional Finance. I owe them 285.00. I had an accident that I could not work didn't have the funds to pay them. My complain is that they comes to my work on a regular basis. I tried to give them some cash and they would not take it cause they wanted all of it. I am so upset that they come to my business.

I am a very dissatisfied customer. I was mailed a check in the mail to deposit in my checking account. I accepted the loan for 2,000.00. I recently went in the location to do early pay, I was told I would still have to pay interest charge with early pay off. If paid early, I thought interest charge was deleted. Will not do business with them again.

I've been a client of Regional Finance since 2012. I had no bad experience. When I miss due date they just called for a follow up asking when the next payment coming in. They do not disrespect me. Once they get their money you hear nothing else from them. Thanks Regional Finance for the loan when I needed my own bank would not give me to. You other people, who are disrespecting putting bad comments about Regional Finance, just pay your bills.

I am trying to pay off an account. I tried setting up a payment schedule every 2 weeks that would make the monthly payment exceed what is due, but they refused because my individual payment every 2 weeks would be less than the monthly payment. They would not let me make a payment over $12!

I had a judgement placed against me at for a loan I had with them. I went in with the money to make the payment. That is when I was told that it was more than what was on the court paperwork. I paid what I had and went home to try and scrape up the remaining twelve bucks. I was able to do so, but it was with change. They refused to take the payment. Then they turn around a sue me in civil court for over six hundred dollars when I only owed them twelve dollars. I am will be filing my own suit against them. DON'T BORROW MONEY FROM THESE IDIOTS. I cannot stress that enough.

I received a $2000 check in the mail, and yes I decided to use it because I was most definitely in need of it. Yes, I could have torn it up and thrown it away, but I didn't because I really needed it. Boy did I make a mistake. I was charged $600 bucks to borrow $2000! This is ridiculous. This company really take advantage of people's misfortune. I fell behind about one week on a payment, and they called me like crazy the next day after the due date. They called me during working hours, so I couldn't answer the phone. Please don't make a mistake and not call them back, because guess what? They will come to your home!!! This is awful. I understand that this is a business and they want their money, but personally I do not like their tactics. I am so happy that I was able to pay them off! I will never make a mistake and borrow from this type of company again. I hope this review will help someone not borrow from this company if you can help it!!!!

I received a check in the mail for $1,300 over a year ago. It was right on time for what I needed. 15 payments of $117, not a problem and never late. I just received another check for a Preferred Customer for the same amount with an interest rate of 20% higher. Don't insult a perfect paying customer's intelligence!

In the beginning they sent a check in the mail, I was in some debt and I cashed it. I did make a payment but after that my car was totaled out and I lost my job because I'm a delivery driver. I went to them to make some type of arrangements to keep paying my debt and they refused to work with me stating they cannot take partial payments. Yet they're steady harassing me and threatening to take legal action against me. They are very rude when trying to talk to them, they don't want to help you to pay them their money.

They kept sending me a real check for 1200$ dollars until they caught me in a bind and I cash it, come to find out you end up paying back twice what you borrow. Then if you need to borrow a little bit more you have to be tied to them a year before they will renew it so they have you stuck.

I was told that suing can be done. I am not a Regional customer, but I check my credit report to find out they pulling my credit every other month. I called they denied it. I called so-called corp office, they denied. I have proof and really about to follow thru with this sue because I'm in the process of credit repair, I don't need this nonsense. Seems like the more I build, the more this company knock me down.. I AM NOT A CUSTOMER AND I REFUSE TO GET MISUSED AND HAVE MY CREDIT ABUSED AGAIN.

Why a customer has to make payments to Regional Finance Corporation located in Temple, TX only in cash and why are they so different from all other finances and banks and corporations where you can pay with personal or cashier checks and or credit cards. Are they laundering money to other countries for illegal business because if a customer borrow money from a bank the bank or the bank finance cannot make the borrower to make larger sums of money in cash. And what Regional Finance Corporation is doing outrageous and it's a disgrace to other corporations by making their customer to pay in cash and depriving or/and prohibiting their borrowers to pay with credit cards or personal or cashier checks.

I took out two loans with this place. Every Time I would make an extra payment to pay on the principal only and get it paid off early, they would always make a mistake and apply it to the interest only. Very rude people that work there. I tried once to speak to the manager and waited on hold a total of 38 min after they had kept hanging up on me. Well Al ** (the name fits this man) would not even come to the phone. I told them to just pay my loan off immediately and I wanted nothing to ever do with them again. They charge you $450 of interest on a $1200 loan and your first 4 payments go straight to that. Not only that but they never tell you about all the added fees they put on the loan totaling $190 like life insurance, property insurance, this fee, that fee, if you notice and tell them and refuse to get the loan before you sign they will take all the fees off for you. You don't have to buy them, but they charge you anyway on your paperwork. This is the most unfair, hateful people and company I have ever done business with. NO ONE SHOULD GO THERE!

I have been a customer of Regional Finance for many years off and on. I used to deal with the office In Camden, SC. They are really nasty if you fall behind more than a few days. I had one instance where I actually paid my payment and someone from the office left me a message telling me I needed to pay my payment or come in immediately. Hmm.....payment was already paid...Can you say someone needs to learn to read the file before being nasty? That was the straw that broke the camel's back for me, so I went to the office in Winnsboro, SC and had my account transferred after having to argue with the people in Camden and point blank demand it to be done. Those girls in Winnsboro are WONDERFUL! I am doing well financially, so I am never late. If the occasion ever arose that I would be late, I have every confidence that I would be treated a great deal more dignified than by the other office. Give the Winnsboro office a shot. Just be sure you can pay the payment before you jump in. :)

Be careful of Regional Finance. They promise you the world and they start lying the minute their lips start moving. The manager of the Durham location (Travon **) lies about stupid things such as not receiving faxes and paperwork. I was sitting at his desk when an elderly woman came in to make a payment for her son. The receptionist came back to Travon's desk and said that the Mother didn't have the full amount and Travon told the receptionist to go a try to squeeze another $20.00 out of the mom. The company is a joke. We financed a car and needed the help of the district manager and were told for over two weeks that he was in training and that he couldn't be reached via email or voice mail.

My husband and I bought, well, financed a car back in February of this year (2014). Well, everything was fine up until here recently. We have made our payments and if we were gonna be late we would go in and sign a paper and then just double up to get us caught up again. My husband list his job a month ago and we made a payment. Even when we knew we wouldn't have food, we did it anyways. Well we get a very hateful phone call saying that our checked had bounced and we had until 6 pm on this past Friday. Well, my husband called back and said that he needs until Monday and she said, "alright Monday at 8:00am the payment better be here or your car IS getting repossessed". Now by this time the payment is 2-3 weeks late. We have a letter from them from months ago letting us know that our payment is 2 months behind and we needed to come in and make a payment. My mom took out a loan there and I am thinking that they are mad at her and taking it out on us. My question is how do we get rid of the harassment and threats of repossession? This is our only means of transportation and my husband works 45 mins one way...PLEASE HELP!!

Have had tug of war with this check that came to me that I never applied for. Prayed about it all weekend. This morning The Lord put in my spirit to check your reviews on Regional Finance. All I can say is Thank You...tearing this check up. Will do without before cashing this. I need this loan badly. But wanted each of you to know you have saved someone today from their clutches and greed. Thank you again, praying God judgement against these people. It is written.."Woe to those that Oppress the Poor".

I received a loan through regional finance in Kannapolis North Carolina and was happy at first. During my 18 month loan I had a couple of late payments but was mostly on time. They were constantly sending me notices wanting me to refinance my loan. That is how they keep owing them money. They do not want you to pay off the loan. I paid my loan off after only 6 months. Then I needed more money so I filled out another application and was denied because of the couple of late payments on my file. It meant nothing to those people that I paid them off a year early. That actually made them mad and I was treated like a scumbag instead of a returning customer. After I paid my loan off early I was not treated good at all. I would not recommend using these people for nothing. I would rather get a 300 percent title loan.

I totaled my new car in Feb 2014. Due to the large balance on my credit report I was unable to get a new car again. The insurance company was dragging their feet at paying off my car. I had to purchase a used car and finance it through a smaller company. The car that I purchased was a Mustang and is really not suitable for my family. I did what I had to do at the time to have a ride back and forth to work. I was looking into trading my car last wk and called RF for my payoff. I am a single parent and had just taken my kids on vacation, got sick and had 2 dr visits and 4 prescriptions. I hadn't made my pmt and told them that I was planning on trading. The lady at RF refused to give me my payoff. I told her I wasn't even 30 days past due and she couldn't refuse me my payoff. She told me to bring her my pmt or bring her my car.

When this nightmare of a company pounced on me, I had been out of work for 18 months. They sent a "live check" in the mail for $1,000.00. I knew it was a trap, but I went for it, thinking it would only be 10 months, and the payments were attainable. I had paid back all of the loan, down to $495.00. When I became ill in 1/2014, lost work, lost wages, bills pile up, I tried to pay partial payments to get back on track. They sent my check back, "stating they (reg. fin) didn't take partial payments. Then they proceeded to sue me, which is the battle I am undertaking currently. People, if you can find help elsewhere, STEER CLEAR OF THE BOTTOM FEEDERS KNOWN AS REGIONAL FINANCE because only death will help you to find peace. Thanks.

I've had a loan with Regional Finance for a couple of years. I lost my job in Oct. 2013 and wasn't able to pay my monthly loan. I didn't qualify for unemployment because my job loss was due to having another baby. I didn't know what to do because I had to give up my car due to nonpayment. Back in January of 2014, Regional Finance came to my house. Not once but three times. So there I was with a new baby, no car, no income and the company had me in a corner. They told me I'd have to go to court if I don't work something out, so I had to refinance which gave me two months to start making a payment. Well, in February, I got my tax refund and ran out and bought a junk car, and found myself another job, then started making my payments again.

I dropped off a money order off at their office after hours. But I was short 11 dollars, so they told me come back on Friday. I couldn't make it on Friday, so I went in on Tuesday. Now they said they had sent money order back to me the day before. I still have not receive money order and they are not taking the 11 dollars. Don't know what their intentions are at this point.

My mother had a loan with this company and recommended me to give them a try since I was in need of some extra cash. I went it, did an application, required me to go back home to get two recent pay stubs, one bill under my current name and address, get a list of personal property for collateral to cover the loan, and 5 references. I didn't mind going back home because I really needed the money. I then got approved and since my mother referred me she got a $25 check in the mail.

Constant bullying, home visits, phone harassment. When you work with the public, your company should have a standard of codes that employees abide by... Well I guess Regional Finance has a code of bullying by any means necessary...

I miss one payment. Husband was in the hospital so I told them that I couldn't make the payment. The manager told she could do anything over the phone. I told her what's the use of going in if I didn't had the money. SHE treat me by filing a lawsuit. Why don't they understand that when we can give the payment they help out not harass us and threat us. In the first place I never did apply a loan with them, they ran my credit check without my permission. I may make a mistake in using the check they send. We need to never accept check if we didn't apply in person. I hope that other people won't go thru what I'm going with regional fin. The employee think they can treat us like they do. I bet that some of those employes are behind payment one way or another.

I can't stand that company. If you are 9 days late, they will threatened you with picking up your merchandise. Don't go to Regional for no loan.

These debt collectors prey on customers who are not aware of consumer laws protecting them. First, debt collectors (such as Regional Finance) are not allowed to phone you if your only form of contact is a cell phone. They may only contact you once per day during normal business hours (8am - 5pm). They can only offer you the opportunity to make a payment at the time of the phone call, or arrange for future payments, or another form of payment (if the current form fails). It is against the law for them to call you multiple times a day anytime after 5pm or before 8am. And, it is definitely against the law for them to threaten debtors with incarceration, property seizure, or any other form of distressful situations. The methods they use are called harassment and are extremely illegal. There are class action law suits against companies that employ these operating standards. Consumers should be aware of their rights.

I went to their North Meridian office in OKC a few months ago. I was applying for a loan and I lacked some kind of paperwork. They did not tell me this before I went. Their closing time was getting close and the person was starting to get rude. The person went to the manager and then he got rude. I got an offer for a loan and I did not remember the location or their name. I went and got a loan and now I am getting phone calls already. The girls that call sound young and nice. I think it is bait for me to call them. From what I have read, I definitely should have gone to another loan office. A lot of people said they were taken to court. I am on Social Security and State of OK retirement. I am wondering if they can sue me if that is what they do if I do not pay them back. I am going to pay them back, but I think I will get a loan and pay off the balance.

I defaulted on a 2,000 title loan. A year later, I am trying to resolve marks against me on my credit report through a debt settlement company. They ran a check and came back with $24,316 against Regional Finance. I called R/F yesterday and the manager said this could not be... oh it be alright. I've got to sort out a misfiling on their part for almost to the penny, $22,000.

When I first apply for a loan, the customer service was great which is why I accepted and additional loan for cash. The first loan was for financing furniture. The second loan was a live check. My payments for the most part were always paid before the due date. Around June 2013 I began to have problems with my paycheck because of a new billing system in which cause a delay in my pay dates. So during this time I did the best that I could making payments on both accounts. As matter fact, my furniture account had a month payment in advance so when I missed a payment in October the account became late. So my husband notice a sheriff paper on our front door. Of course paper of those sort never go in to detail about a civil suit and who it is from until you respond. So my husband and I go downtown to see what was going.

Since I don't really like Curse words, I will just try to be as blunt as possible, without crossing the stick..I don't know how many stores they have but here is another one for the ** list. 1231 S.E Frank Phillips Blvd, Bartlesville Okla. 74003 1-918-213-4178 Have High school kids trying to run the place. Oh these kids act real sweet when they want you to sign up and give you a little money. Then after all of the hateful ass phones call at all hours, too lazy to come to door, but when you walk in after they take you to court and unfortunately my wife had a 10 year old warrant so I would not let my love and wife of 24 years go so they automatically won. I was made disabled by the brain surgeon that was trying to fix my aneurysms. He couldn't touch the three behind my right eye, Constant Pain and pressure on my eye and brain, just waiting for one to go pop.

I was late on my payment and a Regional Finance Representative has called me throughout the day. The representative came to my house during night hours and rudely knocked on my door so hard that it woke up my sleeping newborn. When I went to the office to talk about my situation, the staff was not understanding at all. They said that if I don't pay then an extra 400 dollars will be on my account. The second time they came by at an even later time and rudely knocked on my door.

Well I had been a customer for Regional Finance for many years and I closed my account recently and after that I have been receiving offers to open my account. I called and abruptly they told me make another application online which I did and they told we will call you. I have dealt with finances before and they can easily look up the info. and why do they send offers by mail if they will tell you, "We will see if you qualify...." System should have my info because if it didn't why do they send me offers... Change the system in getting applicants maybe you will get more customers...

This was our first loan. Period. We purchased a couch and it was financed through Regional Finance. The incident was last year, it was our second payment,and we had a particular due date. We were late by 2-3 days. We had received multiple phone calls in that time period, which I presume is normal for a credit company. My husband and I had spoken with an agent a few times and we just ignored the rest of the calls. There were about 5 per day. However, by the third day I came home to a typed letter, not in an envelope, taped to my front door. I am in a gated apartment complex. This letter was wide open and was threatening. I do not have it anymore and wish I would have saved it and found this website sooner.

Are they gonna break my legs? OMG!! I cannot believe this. I am late, my bad. I missed a payment last month and I have been out of town. They do not take payments over the phone and I do not have checks. I will be back in town on Friday. I now owe two payments of $124.00 each one is very late and the other a few days late. I did not think it would be a big deal! But I cannot believe they showed up at my house TWICE in less than a week! Plus they told my adult son I owe them money! I got that stupid "check" in the mail too. They made me pay the first payment in person and I was forced to write things down; something anything for collateral... I had already cashed the check!

Like most people who use these loans, I knew the money would be expensive. Here's how expensive: for a $1000.00 loan, I am required to repay over $1700.00. Quite a mark-up. However, I did pay the folks $600.00 back over a four month period. Then I mislaid some information during my move, and missed a payment. They started calling me several times a day. Sometimes the person would leave a message stating his or her name and that they were calling from Regional, sometimes just a name. I spoke with someone there and advised that I would come to the office the Saturday before Christmas and pay them, but I was detained by a family emergency and forgot. I arrived at my sister's home Christmas day to find that someone from this company had GONE TO HER HOUSE to contact me, found I was not there, (not surprising, since I'd told them by phone that I was no longer at that address), and left a note for me to contact them. Which I just did.

This company sent me a check and I made the big mistake and cashed it. Me and my husband had split so I was left with paying bills by myself. I made every effort in trying to pay them back and they just would not work with me. So after changing my phone number due to so much harassment, I get served to go to court. I can't believe that a judge would even allow this. People, be very aware of this company. If you don't have it, find another way to get it. This is the worst thing I done. I think they prey on people in need.

I got a check in the mail to cash for $1200 and cashing it was and is the worst thing I have ever done! Just before my payment was due, my car broke down taking all of my money to repair so I can get to work... This made no difference to "TONYA", the branch manager. I am behind less than a month due to my pay period of every other week and they call constantly, my work and my cell phone. She even comes to my place of employment with two other people trying to intimidate and embarrass me in front of my employer... which could and probably will cause me to lose my job. Then how can I pay them?

I am one month behind on my Jeep payment. But agreed to pay two tomorrow. I will be 2 months behind tomorrow, the 1st of October. They said if I make the two payments they could still repo my Jeep. They told me it would be taking a chance. This does not seem to be legal if you have your account up to date.

Regional Finance sent my wife a check in the mail that resembled her Regions Bank Card logo. Unfortunately she cashed it. 1 week later, we got a handwritten letter saying her payments were due in person at the local office and it was her responsibility to know when they were due. They also wanted her SS number etc. No bill would be mailed each month. Seeing red flags from the unprofessional letter and phishing attempt, I went up to the office to pay the account in full that same day. They were a bare bones office and had no computers other than an old DOS machine and printer. Here is the catch. After just one week, we owed an extra 100 dollars finder's fee the manager called it. Do not do business with this company. The logo is misleading. They are not legit.

The staff at Regional Finance are very rude!!!! They are very aggressive in their conversations and they do not listen to the customer at all. It doesn't matter that you have been a good paying customer or neither do they consider your payment history if you happen to have trouble with a payment. They continue to make harassing and threatening phone calls with the most arrogant attitude ever. They have an issue with knowing how to cultivate, encounter, or engage their clients into wanting to make every effort possible to make the payment. Customers do not come first at all!! I would never refer or advise any person to do business with the company. They are bad news.

I paid this horrible company off today and I didn't get a "Thank you for your business" or anything. They are so rude, especially the girl that works at the desk. I will NEVER get a loan through them, EVER. My husband has a loan with them and they are rude to him too. If he's 2 days late, he has to sign a paper and what not. They should hire people with better customer service skills. Obviously, they don't know that it's the customers that's keeping them with a job...

Do not ever do business with these people! Not only will they harass you continuously by calling you 10 times a day before your payment is even due, they will show up at your home if you are one day late! Then if you get behind due to other emergencies that come up, they will not take any payment from you at all unless you pay it in full! I talked to the district manager once and he told me he would see what he could do to help me and would call me back. That was 2 months ago and still no call back! I have left numerous messages for them as well with no callbacks in return.

I financed a car from Regional a year ago. Listen to this. I make my payments every month, sometimes I'm late or always but I make my payments on the minimum amount. I've been laid off and it's going on for a year. My payments are $320 at the start; now they are $360! It seems like I never get my payments down. They stay in one spot for six months before I see a drop. Well, here's the deal. I looked outside my house before locking the screen door and I don't see the car. I called my daughter she doesn't have it. I called the police but I hang up when I remembered I talked to Regional and told them I will be there when my wife got off but hey, I didn't make it so he knows he will see me on Monday for sure because it's another month. For a year, I've been doing this.

Think twice before doing business with this ridiculous, unprofessional company! Incredibly rude employees will start to call you 1 to 2 days before your payment is even due; more than 3 phone calls will be made to your personal phone daily, not including your place of business and your references. Oh and the best part - the highly anticipated home visits demanding payment or they will come to repossess property as in my case. I told employees I would be late on my payment and the harassment, which is highly underrated with Regional Finance employees, intensified dramatically! I have received 2 visits to my home within 2 days and my payment is not even 2 weeks late. I plan on sending a letter to the local Regional Finance office in San Antonio, TX and Corporate office documenting the company’s harassment and threatening efforts, and if I need to take this further with legal proceedings, I will certainly do so. This company has an all-around bad reputation from state to state, so beware!

Nightmare! This is how I would describe my experience with Regional Finance Company of Rockingham, NC. I have complained to the manager, Brian **, about the repeated phone calls to my place of employment and nothing changes. They require you to come in and sign a piece of paper so they can lecture you on being late with your payment. The one time I went in to renew my loan, I was made to wait and was last to be seen because I spoke harshly to the person on the phone about her repeatedly calling me. Now because I did not come in and sign the paper stating that I was going to be late on my payment, I am not allowed to renew my loan. I am grateful that I am not able to renew my loan with Regional Finance Company. I would tell anyone that needs a short-term loan to please do not do business with Regional Finance Company of Rockingham, NC. These people are insensitive to life situations and care nothing about causing you problems on your job!

Regional has been the worst nightmare ever. I first got screwed over by the dealership I went to and they put me in this horrible loan place. They have taken advantage of every little situation to screw me over. At one point, they asked for my insurance. I took it to them. I don't know what happened. They accused me of not having insurance. I got charged like $2000. I told them for 4 months, I had insurance. The manager was rude saying, "You don't," and all kinds of stuff. Well then, I got in a car accident. My GAP Insurance wouldn't pay for that so they have me 2 weeks to get response from the time I supposedly didn't have insurance to clear my account and to be able to purchase another car.

I had received a check in the mail from this company offering $1,200.00 loan. The check sat around for a couple of months and my son needed some so he asked that I cash it and he would repay the loan back, so I did in Sept 2011. In March 2012, they called to say there was money available ($130.00). Never dealing with a finance company before, I borrowed the $130 thinking they would just add it into the original loan somewhere. I had paid back $500.00 by then. The other day, I called to tell them I would be late for the first time and would make payment on November 8th, not Oct. 26. A call wasn't good enough; I had to go into the office to tell them, which they said was fine. While there, I asked what the balance was and they said $1,255.00. I went to work and thought about it all night.

I opened an account with Regional Finance in August. I then gave birth to my son on 08/19/2012 and ran into financial difficulty when my disability for my maternity leave was short. I went into the office to make a partial payment (all that I could afford) and was told that they do not accept partial payments. Afterwards my cell phone and work phone were constantly called. Even when told that I was unavailable on the work line, they refused to hang up and wanted to hold. They then started calling my phone from different numbers.

I have had the worst customer service experience of my life with this company. They constantly harass me at work and on my cell. They will call my cell phone 20 times in a row while I'm at work knowing that I cannot answer that phone at work. Then, they will call my job several times a day everyday until I talk to them and it can't be on the phone. It has to be in their office where they can bully you into refinancing, threatening that if I don't refinance that they will come take my car. I have told them they can have the car. It is not even worth dealing with them anymore, but that's not what they want.

In 2011 I received a loan for $1500, with a repayment of $4800 with monthly installments of $200 for 2 years. The district manager is rude, unprofessional & demanding; constantly calling upon due date and making home visits before or after business hours. I was not aware of the large repayment until I reviewed my balance after making the first payment. Not only the loans given have extreme high interest rates, but the service is just terrible.

I have a furniture loan there and my husband has one. Any time I see that I'm going to be late, I will call them. I had to make two payments in one month. That left me owing $84.00 on my loan. My husband went in and made a payment. They told him that they were about ready to come out and pick my furniture up because I was behind. They also told him that he was behind and he would have to pay $145.00 for his next payment instead of $77.00. When he told me that I had my receipt in the car and I carried it in the store and asked them how was I behind, I only owe $84.00.

I have two loans there: one small loan $500 and my car loan. I went to make a car payment I owe two and one on the small loan and they told me they would not take the car payment without paying on the little loan also. These are two separate loans and this is not legal and they are always harass me at work.

Ever since the check was cashed, we have been harassed by this company. The payment is due on the 5th of each month. They begin calling on the 3rd or 4th, threatening what they will do if we do not come in by the 5th to make the payment. If for some reason we cannot come in on the 5th, they repeatedly call our home phone and cell phone. Now they have somehow gotten my work number and they are harassing me at work. There has to be some kind of law against this. I was informed today that I had been late 8 times (I have not paid 8 late charges). I told them that is not correct. How do you figure 8 times? I only borrowed money and was supposed to make 12 payments. The girl replied, “Your payment is due on the 5th. And if you are not in this office on the 5th to pay, you are late!” She has threatened to come to my home or my place of employment to collect the payment. This was on dates such as the 6th and 7th.

The company is trying to repossess my car. In an effort to do so they have hired a man to come on my job (to my classroom while teaching) and harass me. He calls my job directly and asks for me. And threaten to have the Sheriff Department come on my job. I have been warned that his continued behavior is unacceptable and could lead to unwanted consequences.

After being notified by the consumer (self) that due to medical problems I needed an SUV to drive. Kristen verbally agreed to approve me for a 15,000.00 loan. After learning that the car that they were currently financing me for has a lemon titled attached to it in two different states she became unwilling to speak with me or assist me with my trade-in.

I have told them over and over to stop calling to my work. They're harassing me. They have even gonna to the extreme to drop by my job and it is causing a lot of problems for me here. I don't wanna get fired being a single parent. This is the only job I have! Today we had a funeral going on and the gentlemen that came by from that office put the manger on speaker and everyone could hear him. They should be educated on talking and handling clients! I shouldn't have to feel harassed at my job cause of them! I have been so stressed out with them repeatedly calling and harassing me at work!

They are calling my place of employment after I told them that my employer does not want them calling and harassing me. I could possibly lose my job because of that. I told them that I cannot take personal phone calls at work. They have my cell number.

He is calling my place of employment where I can't receive calls. He also comes by my job leaving threatening letters. It's stressful. I don't want my co-workers knowing my personal business. If he keeps up, he could cause me to lose my job.

The manager came to my house with an unknown male in the car with her, that did not work for regional finance, because she could not reach me by phone. The second time, my wife and I were leaving a restaurant two doors down from the regional office and she called me out across the parking lot. She said that she needed the continuing benefits form for my unemployment and she was on her personal cell phone also when she done this. There were lots of people in the parking lot at the time, which caused a lot of attention towards my direction. Also, this same manager has spoken to my wife about my account in which my wife is not listed as a contact. This is the fourth time that she has violated my privacy. It resulted to a public embarrassment to me and my family.

On June 16, 2009, I was telephoned at my place of business by a Regional Finance Corporation representative, Christy. It must be noted that previously the company was advised not to telephone my place of employment by self and consumer affairs representative. I even sent written correspondence to contact via mail for this was becoming far too stressful. Therefore, I was in awe that she telephoned me to discuss my personal account with the corporation at my place of employment. Right off, Christy began to question as to why I had not made a payment to the corporation or called.