Consumer complaint received 2018-04-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I have received letters in the mail from Check Smart, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX say they work with Check Smart and all three companies are calling about a debt i supposedly owe them. They have called my cell phone and my place of employment multiple times. I have spoke to multiple employees at Check Smart, specifically XXXX and XXXX ( XXXX ext XXXX ) from their corporate office, and have spoke to XXXX about what the debt is and how to resolve the issue. I have them asked both of them not to contact me at my place of employment and to not call my work number at anytime on any day. I explained to them when I am available and when I can be reach and how to reach me. They have disregard my wishes and continue to call my place of employment and harass and threaten me. 

They have left a message at my work on XX/XX/XXXX @ XXXX, I called back at XXXX and told them not to call my work and only to call my cell and to please send me a debt validation letter, in which i still have never received. The gentlemen on the other line got upset and start telling me to get my XXXX  together and be responsible and pay the debt otherwise he will have the police involved. 

On XX/XX/XXXX at XXXX XXXX from Check Smart Corporate called my work again and specifically asked to speak with my boss and my associate said I was available to speak to her and not my boss and she refused to speak with me and wanted to only talk to my employer. I have missed calls from them also on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. I have called them back on multiple occasions and have spoke to both XXXX and XXXX and asked them to please immediately remove my work number from their system and to no longer call my work because my employer prohibits me from receiving communications like this at work. 

XXXX said she removed my work number from the system so I would no longer get calls at work. And then today XX/XX/XXXX at XXXX XXXX called my work again, I told her to stop calling and she said she would continue to call me at work until I pay off the debt in full. I have in the mean time sent them two letters, on XX/XX/XXXX about # 1 on how and when to contact me, and # 2 to send me a debt validation letter so I can more clearly understand the situation that is going and I can make a more informed decision on how to move forward. I have tried to calmly resolve the issue with them and they continue to still disregard my wishes not to call my place of employment and continue to harass and threaten me. XXXX went on to say she calls my cell phone from the number that she calls my work from and I have no missed calls from that number ever. I had told her not to call my work number to remove it and gave her my cell phone number again and told her she is to only contact me on that number.

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