Regional Management Corporation

I took out a loan from Regional Finance for furniture for an apartment I am renting. I made the first payment a couple of weeks late and the next wasn't due for a few more weeks Regardless, they have called me XXXX or more times a week about payment. I am not even a month behind and they are already calling my family. I still have every call in my phone history and a text from my brother stating that they called him.

I currently have a loan with Regional Finance. They have been calling from XXXX different numbers. I spoke to representatives in the local office, and another office continues to call. On XX/XX/XXXX, they called XXXX times and left XXXX messages, which I know violates the FDCPA. XXXX XXXX they have called XXXX times, and I have talked to XXXX different reps. The XXXX time, I advised that I had already spoken with someone, and then another rep called a few hours later and said no one had spoken with me. I am aware I have a debt and have made arrangements with the local office, and they continue to call. On the last call, I asked that they remove my number from their records.

I am submitting this complaint regarding the credit insurance/benefit associated with my loan serviced through Regional Finance and administered by XXXX XXXX. I enrolled in this benefit with the clear understanding that it would provide protection during periods of unemployment. However, when I attempted to use the benefit after becoming unemployed, I was informed that payments would only be made during weeks in which state unemployment benefits are actively being paid. Because my unemployment claim has been delayed and subsequently impacted, the benefit has effectively provided no meaningful coverage despite my continued unemployed status. This is unacceptable. I have been paying for a product that is presented as protection during hardship, yet it fails to function at the exact time it is needed most. The limitation that coverage only applies when unemployment benefits are actively being issued renders the benefit misleading and of little to no practical value.…

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This letter is being sent directly by the consumer. It is not from a third-party credit repair organization or agency. I am formally disputing the accuracy and completeness of certain information appearing on my consumer credit report. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ) and 12 CFR 1022.43, you are required to conduct a reasonable reinvestigation of the disputed items listed below. Additionally, under CFPB Circular 2022-07, your investigation must go beyond superficial verification through automated systems such as E-Oscar and must include a substantive review of underlying documentation.…

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To Whom It May Concern, I am filing a formal complaint against Regional Finance regarding repeated and ongoing harassment, as well as their failure to comply with federal consumer protection laws. I have formally retained a debt settlement company, XXXX XXXX XXXX to represent me in all matters related to my outstanding debts. I have provided Regional Finance with multiple written notices clearly stating that I am represented and that all communication must be directed exclusively through my authorized representative. Additionally, legal correspondence from my representation has been sent to reinforce this requirement. Despite this, Regional Finance has continued to contact me directly. Within the past XXXX days alone, I have received XXXX ( XXXX ) phone calls and XXXX ( XXXX ) voicemails from them.…

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To Whom It May Concern, I am writing to formally dispute inaccurate information that your company, Regional Finance, is furnishing to the credit reporting agencies regarding the following account : Account Number : XXXX This account has been reported as charged off ; however, the balance continues to increase each month as if the account is still accruing past-due payments. The reported balances have changed as follows : XXXX : {$5300.00} XXXX : {$7600.00} XXXX : {$7800.00} ( after my dispute was submitted ) A charged-off account should not continue reporting increasing past-due balances in this manner. The continued increase in the balance after charge-off and after disputes were submitted indicates that inaccurate information is being furnished to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a legal obligation to report accurate information and to properly investigate disputes.…

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On XX/XX/year> an individual with fake personal information went into a Regional Finance branch in XXXX, Oklahoma. Regional Finance incorrectly gave out a personal loan to an unknown individual. On XX/XX/year> I was contacted about the fraudulent loan by Regional Finance branch that gave out the incorrect loan. I told the business it was fraudulent and I was going to file a police report that day, which I did on XX/XX/year>. I asked for information to give to the police department and Regional Finance told me they could not provide me with any information to give to the police department. As the victim on XX/XX/year> I physically went into the Regional Finance branch and tried to logically take care of their fraudulent error. Asked for Information such as identification of the individual that took out the loan and for Regional Finance to track what bank account the money went to? I again was told by the terrible branch they could give me nothing and to contact corporate.…

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{$0.00} owed XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Regional Finance XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Account Number XXXX XXXX XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy.…

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On XX/XX/year>, I was contacted by Regional Finance in XXXX TX with an offer to renew my loan and receive XXXX XXXXXXXX cash back. At first, I told them I would think about it. I called back later that day and verified how much I would get back if I proceeded with them running my credit. The associate stated if I make my payment now the loan would start over, but I would get back {$650.00}. If for some reason I was not approved, then it will not start over, I will not get cash back, and I can even ask for a refund on my payment. I verified XXXX times before going through with it that I would get back {$650.00} and she stated yes. They started the process and ran my credit and stated I was approved but she said now I would only get {$100.00} back. I said why? She said while I was approved to get back {$650.00}, the interest of XXXX months ' worth of payments ate at most of it and {$100.00} was left.…

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Due to an extended unemployment. I fell behind on my payments to Regional Fiance. I called them to explain my situation over a month ago. Since then they call me 3-4 times per day on weekdays and once or twice on the weekends. Over the last XXXX weeks, they call everyday. I explained several week ago that I will not default on my loan and once I am back to work that I would resume my payment and bring my account back into good standing as it had been prior to my unemployment. I asked them to stop calling me several times everyday and they responded that the calls will continue. I have had to block their numbers, but they still call and leave voicemails. Below is just a short example of the times they have called.…

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Regional Finance sent physical mail to my residential home address despite having my designated XXXX XXXXXXXX listed as my official mailing address. This was not an oversight they already have my correct mailing address on file. Mailing correspondence to my physical home address is unacceptable. It is a direct disregard of my stated communication preferences and raises serious privacy and safety concerns. There is a reason I maintain and provide a XXXX XXXX for all correspondence. Sending mail to my residence not only wastes paper and resources, but it also poses potential harm by exposing sensitive financial information at my home and in my neighborhood we have had ongoing issues of people stealing mail. As a financial institution with compliance obligations, you are required to follow documented consumer communication preferences. This is basic compliance. Why would I list a XXXX XXXX if I expected mail to be sent to my residence?…

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XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( last XXXX ) : XXXX FORMAL NOTICE OF DISPUTE & DEMAND FOR PERMANENT DELETION VIOLATIONS 1. Failure to Validate Debt Prior to Reporting Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 2. Unlawful Credit Reporting Reporting without proof of contractual obligation violates 15 USC 1681b. 3. Misleading Account Status Conflicting dates and balances violate 15 USC 1681e ( b ).

b"Sorry if I didn't fill this hour correctly. I got hurt at work and was off for XXXX XXXX. I just started a new position working from home due to permanent limitations. I'm behind on everything. Reginal finace has laughed at my situation, call XXXX XXXX XXXX XXXX and is now charging my bank accout without my consent for XXXX XXXX I started work on XXXX and I'm going through hell and being brought to court by XXXX other company's and this happening is gonna make me lose the house I'm XXXX XXXX behind on and make me lose the job I just got so I won't be able to pay anyways instant of wanting to get paid that I'm trying my hardest to do they want me in bankruptcy."

Dear REGIONAL XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…

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Boy I had the numbers all on my phone that were all saved They were calling me like crazy from different from different numbers they were changing the names they were harassing me they were getting loud with me they were discriminating me discriminating time but I'm a minority that's why I stay down but when I started doing some research and finding out where they were at where where they're located in their main office when they it all started changing They started changing their tone of voices with me and everything but what got me mad at how they were just talking about my son this shouldn't have brought my son up for nothing and none of them wanted to give me an apology none of that's all I wanted That's all I wanted was an apology I don't care that they lied to me about all this other stuff but you don't talk about another person 's their kid That's not right

My name is XXXX XXXX, and I am filing a complaint with the CFPB to report retaliation fraud. Reginal finance is now charging their customers fees to make their monthly payments online because the CFPB is suing them for fraud. They're trying to apply unauthorized fees to cover that lawsuit midway through the loan payoff process that was not disclosed with the initial loan terms/agreement in the beginning. The amount of the fee is {$2.00} that they're now applying to my payoff. My normal monthly payment is {$120.00} without the fee. Now my monthly payment is {$120.00} that I just processed. The CFPB can contact XXXX XXXX to confirm my new monthly payment that I just processed with my checking acct on XX/XX/XXXX. I am also attaching a copy of my e-statement from XX/XX/XXXX proving my allegations, because they're mad we're not refinancing midway throughout payoff based on previous lawsuits being rendering against this fraud company. I am also attaching screenshots of my findings.…

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Regional Finance reported a secured loan account on my XXXX credit report as closed and charged off. The tradeline shows Account charged off. {$4800.00} written off. {$6700.00} past due as of XX/XX/XXXX. It also shows a balance of {$6700.00}, status updated XX/XX/XXXX, balance updated XX/XX/XXXX, and last payment date XX/XX/XXXX. I disputed this tradeline in writing before and asked Regional Finance to investigate and provide verification. Regional Finance ignored my first request. I did not receive investigation results, supporting documents, or a correction. The inaccurate and unverifiable reporting remains on my credit file. This reporting needs a complete accounting. If Regional Finance treated any part of the debt as cancelled or XXXX, Regional Finance must address whether a Form 1099 C was filed and the amount reported.…

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Complaint Against Regional Finance Company of Georgia, XXXX Failure to Provide Accounting, Amortization, and Proof of Enforceable Balance ________________________________________ Consumer Complaint Narrative I am submitting this complaint against Regional Finance Company of Georgia , XXXX regarding a personal loan they currently own and service. I am disputing the accuracy, accounting, and enforceability of the remaining balance they claim is owed. The creditor claims the remaining balance consists primarily of accrued interest and charges. However, despite my written demand, they have failed to provide a complete, itemized, and verifiable accounting supporting how this balance was calculated.…

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I am submitting a formal complaint regarding Regional Finance 's failure to repond to my repeated disputes concerning canceled insurance and collateral documentation. Timeline of dispute : XXXX/2025- First dispute submitted regarding canceled insurance and collateral proof. XXXX/2025- Following up letter, second dispute submitted, no response recieived. XXXXXXXX2025- Third dispute submitted via certified mail, including escalation notice that failure to respond would prompt regulatory complaint. As of XX/XX/2025 I have received no response or acknowledgment. I have attached copies of all dispute letters, certified mail receipts and relevant collateral/ insurance documentation.

REGIONAL FINANCE CEASE AND DESIST / DISPUTE ( ELECTRONIC FORMAT ) Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, WI XXXX Creditor : Regional Finance Account Number : XXXX Subject : Cease and Desist Disputed Account Demand for Deletion Statement I am formally disputing the Regional Finance account referenced above in its entirety. Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to CEASE AND DESIST all collection activity and all communication with me, including but not limited to phone calls, letters, emails, and credit reporting. Regional Finance has failed to provide competent evidence establishing the accuracy and enforceability of this alleged debt, including a valid contract, complete payment history, or documentation supporting the balance being reported.…

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On XXXX, XXXX, I originated a loan with Regional Fiance of XXXX, SC in the amount of {$5600.00} with a 48 month maturity date. My payments were {$210.00} and were made timely. During XXXX of XXXX Covid era, I had job loss and fell two months behind in the amount due of {$350.00}. Regional Finance representatives stated that the only option at this point was to " refinance the loan '' and there were no other options to catch up the account and this was an offer to me for " being a good customer. '' As I got closer to the 48 month maturity date XXXX, I noticed that when I attempted to pay online that there were several account numbers attached to my account and it was confusing ; so I called the local XXXX office and the representative stated that he had no idea why there was several account numbers but to pay using any account numbers in my file and so still confused, I paid using one of several mysterious account numbers.…

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XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} Reporting contains incomplete and inconsistent data. No contract, itemized statement, or proof of ownership is provided. Missing required date of first delinquency, violating FCRA reporting accuracy standards. Request : Remove the account for failure to verify and incorrect reporting. XXXX. XXXX XXXX Collection {$2000.00} XXXX is a debt buyer and must provide full chain of title, which has not been provided. No original signed agreement or itemization is shown. Reporting is incomplete and unverifiable. Request : Delete for lack of verification and documentation under FCRA XXXX. XXXX. REGIONAL FINANCE XXXX Charge Off {$2700.00} Balance reporting appears inconsistent with XXXX XXXX laws. Account history shows inaccurate delinquency dates. No proof of the actual charged-off amount or accounting records. Request : Remove due to unverifiable and inaccurate information. XXXX.…

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I originally called Regional Finance to make a payment on my existing loan. During that call, the representative told me that I qualified for an additional {$5000.00} on top of my current loan. Based on that information, I called back about two weeks later to move forward. The only requirement they disclosed was that they needed to run my credit. I agreed to the credit inquiry because my credit is in good standing. At no point did they tell me there would be any additional documentation requirements such as tax records or income verification. When I opened my original loan with Regional Finance, I did not have to provide any documentation ; they mailed me a check, and depositing it initiated the loan. Because of that experience and what the representative told me, I reasonably believed the increase would work the same way.…

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I have been trying to work with regional finance but to no avail so when they set up a payment they want to charge me a fee for making the payment from the debit card which causes the issue because i have the exact loan payment, their system is trying to charge additional fees to pay the loan, which im not sure if this is legal. Secondly last year this same thing happened to me the gentleman set up arrangement sent him docs and he says it was a lie now this year a lady called says pay the {$89.00} we get you back on a payment arrangement, after i made the payment called back i got a number to call XXXX i did, the initial contact the gentleman told me no i will not connect you to her pay the full amount i said that's not what i was told i hung up called back got a lady she apologized for the mans behavior and transferred me to lashondra when i spoke to her she says the man told her not to do it.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXX XXXX Attn : Customer Service/ Collections Department RE : Cease and Desist Request - Account No. XXXX To Whom It May Concern : I am writing to formally request that Regional Finance cease all communication with me regarding the above-referenced account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are required to stop all forms of contact with me, including phone calls, letters, emails, text messages, or any other method of communication. You may only contact me if the FDCPA permits it, such as to inform me that you are ending further collection efforts or to notify me of specific legal actions you intend to take. Please update your records to reflect this cease-and-desist demand. Sincerely, Is/ XXXX XXXX XXXX XXXX

I requested several times that the entity validate the debt for correctness and accuracy. I was sent a letter stating that my request was FRIVILOUS and the alleged debt was " sold '' to XXXX XXXX XXXX XXXX. The alleged debt is being reported to all credit bureaus as charged off, which would be considered XXXX for me. As law prescribes, XXXX can not be reported on credit reports as an alleged debt. I will be forwarding an IRS form XXXX to that agency! I am not exactly certain which reporting agency this was originally reported to be it's more that likely displayed on all XXXX major bureau sites and perhaps secondary sites as well!

I am contacting you because I recently received communication regarding an alleged debt associated with the above-referenced account. The information provided to me has been unclear and insufficient to confirm the validity, ownership, or accuracy of this debt. I have not been provided with the required documentation that verifies the amount owed, the original creditor, or proof that your company has the legal right to collect on this account. Without this information, I am unable to determine whether this debt is legitimate or whether it contains errors.

I am submitting this complaint regarding my recent experience with Regional Finance in XXXX, Texas. I called to inquire about renewing my existing loan and spoke with XXXX XXXX. During our conversation, she failed to disclose essential information about the new loan terms. She did not inform me that the loan included collateral, yet she later listed two televisions and a tablet computer as collateral, items she completely made up, as we never discussed any of my property. The only question she asked about my assets was whether I owned my home, and I answered yes. She also did not disclose the requirement for property insurance, which she later stated could not be canceled. This mandatory insurance was never mentioned during our initial conversation. Throughout the call, she omitted key information that should have been provided upfront. She only described the loan as a way to consolidate my debts, stating that I could include three credit cards and my previous loan with them.…

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I filed an active insurance claim with Securian ( Regional Finances own contracted insurer ) after losing my job. The insurance representative, XXXX XXXX, confirmed in writing that my payment was approved and sent to Regional Finance on XX/XX/year>. Despite this, Regional Finance continues to call and send letters demanding payment, completely ignoring both the proof I provided and their own insurers confirmation. This is harassment and a complete breakdown of internal communication between Regional Finance and XXXX. I have forwarded every document, including XXXX email confirmation and my XXXX proof, to the XXXX branch ( attention : XXXX XXXX XXXX, yet they continue to behave as if no payment was made. Regional Finances conduct is negligent and deceptivethey are contacting me over a balance that has already been satisfied through the insurance policy they sold me. They are embarrassing themselves and misleading customers by not even coordinating with their own insurance partner.…

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I am submitting this complaint because the same alleged account is being reported twice by two different furnishersonce by the original creditor and again by a third-party debt collector. Both are reporting negative data for the same debt, which is misleading, inaccurate, and severely damaging to my credit reputation. This duplicate reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Under FCRA 1681e ( b ) and 1681i, furnishers and consumer reporting agencies must maintain procedures that assure maximum possible accuracy. Reporting the same debt twice as if they are separate obligations is not only inaccurate but also deceptive to potential lenders. Additionally, under FDCPA 1692e ( 2 ) ( A ) and 1692f ( 1 ), it is a false and unfair practice to represent the same debt as multiple separate obligations or to attempt to collect amounts not expressly authorized by contract or law.…

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