ComplaintsforFirstFin Credit

• Initial Complaint

  09/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September 26, 2024 firstfin took out $286.99 from my account.

  According to online, I’m not able to make payments because they sold my debt if they sold my debt, they should not have access to my account and should be withdrawing funds from my account when I called in the rude (word rejected).

  Customer service agent verified me and then said well. This is not a discussion. I’ll give you the number to whoever and you can talk to them

  Well this reads on my statement from your company not another company. You have not tried to withdraw funds in my account which can be proven from my bank statements since June so three months later more than three months later you decide that you’re going to pull from my account if my account with you is closed and I can’t make a payment personally you are not allowed to pull from my account you sold my debt to someone else. Therefore, you have no right to it.

  You sold that so that is no longer yours. That is on someone else to contact me to try to resolve the matter, not for you to pull from my account that is fraudulent once you sell someone’s information to somebody else you should not be holding onto it and that is what you did you withdrew from my account but yet still sold it to someone else to get additional funds and that is not going to happen.

  You have been blocked from my account and I will be disputing this as this is fraud. All account numbers of mine need to be deleted out of your system. You are no longer allowed to touch any funds in my Account you no have any Right to pull from my account.

  For several months, you refuse to take payments and then you decide to take a payment randomly after selling something that is ridiculous.

  Your customer service needs work as well because your customer service agents are rude and disrespectful and do not get a chance to speak to people anyway they feel like if you don’t like your job quit

  Business response

  10/02/2024

  October 2, 2024
  
  Better Business Bureau
  **** ****** *** ********* ** *****  
  
  RE: BBB Complaint ID: ********
  
  Dear BBB Dispute Resolution Team:
  
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference complaint. FirstFin
  Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy
  to provide a formal response.
  
  To summarize, the Complainant claims that he is still being debited by FirstFin Credit, even though his
  account was sold to another company.

  
  Our records indicate that on April 18, 2024, our customer visited a Check Smart in **********, ****
  where he applied for a Line of Credit account with FirstFin Credit. Following approval, a $500.00 line of
  credit was granted, with a draw of $500.00 being executed on the same day.
  
  A review of the account history confirms that the account came delinquent on June 14, 2024. Despite our
  efforts to establish a suitable payment arrangement, the account remained delinquent and was
  subsequently sold to ********* ******* ****** ***** LLC ("*********") on August 18, 2024.

  
  It is important to note that FirstFin Credit has not made any collection attempts on this account since it’s
  been sold. The transaction details from the charge in question may reflect “FMR FIRSTFIN…”; with a
  phone number that belongs to the appropriate company that owns the debt.

  
  Should our customer have any further questions or concerns regarding this account, please contact
  ********* at ###-###-#### or at the following address:

  ********* ******* ****** ***** LLC
  **** *** **** ********* **** *****
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If
  you have additional questions or concerns, you may contact FirstFin Credit directly at ###-###-####.
  

  Sincerely,
  
  FirstFin Credit Customer Service
  ** *** **** ******* ** *****
  ###-###-####
  ********************************** ** *************************

  Customer response

  10/03/2024

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: ********
  
  I am rejecting this response because: 

  as the screenshot shows, the funds were taken from you all you never tried to contact me or anything. The amount that was taken out in April was already paid back. No attempts to collect from anything that was taken After that have ever been attempted to be made. Several months had past and no attempts. Who ever it was sold to was not given access to my account and you don’t have authorization to give my account information to anyone that fraud. 
  
  Regards,
  
  *** ******

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was charged interest days after paying my balance and late fee and interest payment for that cycle. The agent whom accepted my payment informed my I could reload immediately. I denied. She actually didn't inform me, she persisted on me to reload which I declined. It was interesting because she didn't even ask if I wanted to reloan she just assumed and began to process another loan. When I informed her that I won't be borrowing at this time she didn't inform me of any interest to be accrued on a ZERO BALANCE account. I'm not sure if this is even legal. How are you charging me interest 3 days after my payment with my DEBIT CARD (no delay or wait for the payment to clear). I'm unsure how much unearned interest I've paid since using their services the last few months.... I would like this interest waived as it was charged to my account on the 7th yet my balance was brought to 0 on the 4th. I feel like this is fraud and stealing consumers money without them knowing. I would like the adjustment to my account to reflect the balance as a true 0. And to review my account for any interest that I paid that was incorrectly charged to me.

  Customer response

  06/20/2024

  The company is continuing to call me, and send me messages but disregards my attempt to clarify that my account was paid days before any more interest accrued on the account. 

  Business response

  06/20/2024

  
  First ************* of ***** dba FirstFin Credit is in receipt of the above reference complaint. FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide a formal response.
  
  To summarize, the complainant claims she is being charged interest despite paying off her account balance and does not understand why interest is accruing with no outstanding balance. She is requesting her balance to be zeroed out and a refund, believing she has been defrauded and charged unearned interest.
  
  Our records confirm that on March 28, 2024, the customer visited a ********** Check Cashing store in ********, **, and obtained a Line of Credit account with ******************.
  
  A review of the payment history shows that on May 9, 2024, our customer took an advance of $650.00, which was due on May 24, 2024. On May 23rd, she informed us she could not pay on time due to medical expenses and requested an extension of two weeks. According to the terms in the Line of Credit Agreement, interest continues to accrue on the outstanding principal until the account is current,and a late fee is assessed after 11 days of delinquency. The customer did not make her payment until June 4, 2024.
  
  The interest in question was accrued from May 25th through June 7th, coinciding with the billing statement sent on June 7, 2024. The customer had an outstanding balance for 11 days within the 14-day billing period.
  
  Based on these facts, the customer is not due a refund for any monies paid on her account, and we cannot waive the interest accrued during the statement period when there was an outstanding balance.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If the complainant has additional questions or concerns, she may contact FirstFin Credit directly at **************. 
  
  Sincerely,
  
  FirstFin Credit Customer Service  
  ** *** ****  
  *********************; 
  **************  
  **************************************** or ************************* 
  
  

  Customer response

  06/21/2024

  The response received states and confirms I was charged interest from May 25th 2024 - June 7th 2024 which is fraud as he, ******, from FirstFinCredit, confirmed my account was paid on June 4th, yet interest was charged UP UNTIL JUNE 7TH, 2024.

  This is not legal. Even with the "terms of the loan." You cannot charge me interest ON PRINCIPAL THAT WAS PAID OFF ON JUNE 4TH. His message below states I was charged interest on outstanding principal which is false. How am I charge outstanding principle if the account was paid? 

  As mentioned before AND IGNORES BY FIRSTFINCREDIT, the representative whom assisted me with processing my payment, should have informed or added this total to my amount to pay IF THAT IS FIRSTFINCREDIT'S policy. Right? I need this interest waived and this representative PROPERLY TRAINED to aid in financial consumer inquires. 

  As also mentioned, I'm recovering from surgery and NOT working. No income is being generated until able to return to work, which is not anytime soon as my vision is impaired. 

  Regards,
  
  *********************************

  Customer response

  06/21/2024

  Hi BBB, thank you for your quick reply and attention to the matter. 

  Ive attached a screenshot of my bank account showing the transaction posted on June 4th, 2024, total $742.43 to pay the finance fee, interest incrued, late fee, & principal of amount borrowed $650. 

  I've also attached a screenshot of my First Fin Credit account. You can see $674.94 was directly paid to the account. The remainder is the finance fee/transfer fee that Level Pay (3rd party payment processing company) takes to process the payment.

  The break down of this payment is shown as $650 principal payment. $14.94 interest payment. $10 late fee payment. 

  You can also see that 3 days later $5.34 was billed to the account. I called on June 4th to PAY OFF MY ACCOUNT AND CLOSE THE ACCOUNT. The representative who took my payment didn't even close my account! They tried to pressure me to reloan and scam me into paying this interest! It's absurd. 

   

  Customer response

  06/21/2024

  Please also see where my portal for FirstFinCredit shows a "LAST STATEMEMT BALANCE $0" 

  Proving my account balance was 0 and should be honored as paid and closed as I requested done June 4th 2024.

  Customer response

  06/21/2024

  Hi BBB, thank you for your quick reply and attention to the matter. 
  
  Ive attached a screenshot of my bank account showing the transaction posted on June 4th, 2024, total $742.43 to pay the finance fee, interest incrued, late fee, & principal of amount borrowed $650. 
  
  I've also attached a screenshot of my First Fin Credit account. You can see $674.94 was directly paid to the account. The remainder is the finance fee/transfer fee that Level Pay (3rd party payment processing company) takes to process the payment.
  
  The break down of this payment is shown as $650 principal payment. $14.94 interest payment. $10 late fee payment. 
  
  You can also see that 3 days later $5.34 was billed to the account. I called on June 4th to PAY OFF MY ACCOUNT AND CLOSE THE ACCOUNT. The representative who took my payment didn't even close my account! They tried to pressure me to reloan and scam me into paying this interest! It's absurd.
  
  Please also see where my portal for FirstFinCredit shows a "LAST STATEMEMT BALANCE $0" 
  
  Proving my account balance was 0 and should be honored as paid and closed as I requested done June 4th 2024.

  Business response

  06/26/2024

  Better Business Bureau
  2655 ********* Dr.
  ********************
  
  RE: BBB Complaint ID ******** Follow up Correspondence
  
  
  Dear BBB Dispute Resolution Team:
  
  First ************* of ***** dba FirstFin Credit is in receipt of the customers follow-up correspondence associated with the above referenced complaint, and we welcome this opportunity to respond to help clarify and resolve the matter. Please allow this to serve as our formal response.
  
  The customers follow-up correspondence relating to Complaint ID: ********, did not raise any new points that were not already raised in the customers original complaint, which we already acknowledged and responded to on June 20, 2024. Nonetheless, we are happy to provide additional details to assist our customer with her concern.
  
  The $5.34 interest in question on the customers account accrued from May 25th through June 7th, coinciding with the billing statement sent on June 7, 2024. Although the customer made a payment on June 4th, it was originally due on May 24th. Consequently, the customer had an outstanding balance for 11 days within the 14-day billing period ending on June 7th.
  
  Contrary to the statement made in the customers follow-up correspondence about her statement balance showing $0, it is important to note the billing statement closing on June 21, 2024, reflects a previous balance, and a now past due balance of $5.34. Once the past due balance is paid, we will gladly proceed with closing the account as per the customers request.
  
  We thank you for the opportunity to respond.

  Customer response

  07/13/2024

  I wish to reopen this complaint as I've been in and out of the hospital and am now able to respond to messages, emails, and follow up on my inquiries/complaints. 

  I am ultimately over 100% dissatisfied with the unprofessionalism and nonempathy received from ****** on behalf of First Fin Credit. It's pretty sad how he wants to *** me instead of assist me with waiving the $5 and sum change that his company neglected to retrieve at time of my final payment. I've been in and out of hospitals following an aggravated assault on me on May 6th 2024. I'm pending victims compensation for the income lost and bills generated due to the incident. It's quite unnerving how ****** doesn't offer any charity or understanding circumstances such as mine. I informed the person when I was CLOSING my account that I've been out of work and not expecting any income as I've been unable to go to work and don't qualify for unemployment. I need to look into disability. You would think, ******, would be empathetic to their CONTINUING customers whom used their services many times. 

   

  ****** refuses to apologize on behalf of HIS employee. And refuses to acknowledge the fact that his employee didn't collect these additional funds. As far as the BBB Should be concerns, I am physically unable to work, have no income coming in, and made this aware to the office when I intented to close my account, the whole reason I needed to close my account. ****** is absolutely rude in the responses received and you can feel his smirk behind the screen. I would appreciate ending the relationship entirely with this company and them closing my account as is and removing the $5 as this can easily be done as charity to me. If you would like my medical bills, let me know. I'm applying for financial assistance in all things in my life, lenience and understanding goes a long way building rapport with your clientele. 

   

  Shows alot if ****** isn't willing to compensate a customer for the misunderstanding on his employees words. 

  I strongly believe he should ensure adequate training is available to these employees, and himself. As no one seems to acknowledge where they could do better. Simply keep saying "it's due. It's due." It wasn't due when I called which was ALSO expressed to me. It shouldn't be due after the fact that I was told my account would be closed after my last payment. I look forward to the BBB's response. Please note: this company is beyond unprofessional that the emails from this company to not greet you, introduce themselves, nor do they conclude the emails with the name of the individual whom is responding..... seems like they are trying to stop consumers from properly filing complaints against aggressive customer service agents. 

  I would recommend that ****** teaches his  agents better etiquette after all they represent the company and everytime I go in the office, the ladies behind the counter don't acknowledge you, tell you to "wait" instead of "please hold" and are always holding side conversations amongst eachother where you don't even have their full attention as a customer. 

  Customer response

  07/13/2024

  I wish to reopen this complaint as I've been in and out of the hospital and am now able to respond to messages, emails, and follow up on my inquiries/complaints. 

  I am ultimately over 100% dissatisfied with the unprofessionalism and nonempathy received from ****** on behalf of First Fin Credit. It's pretty sad how he wants to *** me instead of assist me with waiving the $5 and sum change that his company neglected to retrieve at time of my final payment. I've been in and out of hospitals following an aggravated assault on me on May 6th 2024. I'm pending victims compensation for the income lost and bills generated due to the incident. It's quite unnerving how ****** doesn't offer any charity or understanding circumstances such as mine. I informed the person when I was CLOSING my account that I've been out of work and not expecting any income as I've been unable to go to work and don't qualify for unemployment. I need to look into disability. You would think, ******, would be empathetic to their CONTINUING customers whom used their services many times. 

   

  ****** refuses to apologize on behalf of HIS employee. And refuses to acknowledge the fact that his employee didn't collect these additional funds. As far as the BBB Should be concerns, I am physically unable to work, have no income coming in, and made this aware to the office when I intented to close my account, the whole reason I needed to close my account. ****** is absolutely rude in the responses received and you can feel his smirk behind the screen. I would appreciate ending the relationship entirely with this company and them closing my account as is and removing the $5 as this can easily be done as charity to me. If you would like my medical bills, let me know. I'm applying for financial assistance in all things in my life, lenience and understanding goes a long way building rapport with your clientele. 

   

  Shows alot if ****** isn't willing to compensate a customer for the misunderstanding on his employees words. 

  I strongly believe he should ensure adequate training is available to these employees, and himself. As no one seems to acknowledge where they could do better. Simply keep saying "it's due. It's due." It wasn't due when I called which was ALSO expressed to me. It shouldn't be due after the fact that I was told my account would be closed after my last payment. I look forward to the BBB's response. Please note: this company is beyond unprofessional that the emails from this company to not greet you, introduce themselves, nor do they conclude the emails with the name of the individual whom is responding..... seems like they are trying to stop consumers from properly filing complaints against aggressive customer service agents. 

  I would recommend that ****** teaches his  agents better etiquette after all they represent the company and everytime I go in the office, the ladies behind the counter don't acknowledge you, tell you to "wait" instead of "please hold" and are always holding side conversations amongst eachother where you don't even have their full attention as a customer. 

  Customer response

  07/20/2024

  I am asking again for firstfincredit to offer understanding, compassion, and empathy in regards to my assault on May 6th, of this year. Having surgery June 6th of this year, still recovering today and closing this account and waiving the remaining balance would be beneficial to my mental health and financial standing as I have huge amounts of medical bills that I am now facing and pending a response on applications for financial assistance/compensation for victims. 

  I was able to pay the balance the day I called to do so. And to close my account. ******************** Fin Credit is not acknowledging the fact that I was told the payment was my final payoff and confirmed my account would be closed when doing the payment. It would be very appreciated if they would acknowledge the miscommunication on their behalf. Speak to their employees to avoid mixups, like this in the future, and understand that the amount due shouldn't be mine to pay after the discrepancy. It isn't appreciated that they are not accepting blame, nor are the professional I'm the emails received as they don't announce themselves at the end of the email or anywhere during so I cannot even formally place a complaint against a specific representative.  Almost every one I've encounters isn't the most pleasant even if not rude they just aren't happy. I would truly appreciate first fin credits understanding and charity of a small amount in this difficult time

  Customer response

  08/06/2024

  I did not receive a response to my last reply to the business. The business fails to acknowledge my complaints on their unprofessionalionalism and harassing phone calls. 

  Customer response

  10/01/2024

  From: ******* V <***********************************>
  Date: Sat, Sep 28, 2024 at 12:52 PM
  Subject: Re: 67837240046AC
  To: <*********************************************************************************>
  
  
  Complaint # is attached here. 
  
  On Sat, Sep 28, 2024, 9:51 AM ******* V <***********************************> wrote:
  Good morning BBB of ****,
  
  I am emailing in regard to my claim as it has expired but I have an update to provide and another complaint. I never received a response from FirstFin Credit based on their customer service and unprofessionalism. ***** completely disregarded this part of my complaint. He does not practice common courtesy, nor does any employee of his company as my complaint states. I actually received a response from ***** in Defense to the agents behavior basically saying they did nothing wrong by not mentioning my interest after the due date etc. He didn't address my concerns about the way his agents withhold themselves nor about the phone calls/emails with no one announcing themselves. 
  
  I also read into my loan where one terms specifies that any outstanding balance would be subtracted from the available credit amount. If my available credit was $650. Why would he not mention this to me? I believe he is a jerk who shouldn't be head of company with his outrageous way of responding and handling customer complaints. I made payment of $5.34 and they still removed the $5.34 from my available credit line which is illegal. My complaint that this company participates in fraudulent activity against their customers still stands. 
  
  Also as promised PER MY BBB COMPLAINT AND ONE OF HIS RESPONSES, he stated my account would be closed when the $5.34 is settled. If his company robbed my credit line of $5.34 WHEN A CASHIERS CHECK WITH MY ACCOUNT STATEMENT PAYMENT VOUCHER was sent the week of 9/12/2024, why is my account still active? 
  
  I have new complaints now about how he refused to even mention the fact that the balance could've been resolved via a deduction of my credit line once I disclosed how distressed and unsettled I was as well as my personal circumstances. I would like to escalate this claim to the highest available as this individual refused to offer the simplist customer service and added to my distress after my surgery. ***** decided to add to my problems instead of providing me with the assistance. He knowingly had knowledge of how he could ease my problem, remedy my issue, and maintain report with a disgruntled customer. Instead he chose to be on a high horse, not apologize, not explain, withhold information, and now *** me of $5.34. 
  
  I demand a PROPER apology, thorough explanation, and refund. I take my mental health very seriously. While the $5.34 may not matter to you, it was $5.34 taken away from my $9,000 accumulated medical bills. Thank you for failing to provide the upmost customer service that you are capable of. I hope you do better for the next, but I truly hope you step away and reflect on how you could have better responded and acted on behalf of your company.

  Customer response

  10/12/2024

  I need this complaint reopened as my most recent email to BBB states the complaint is not resolved as the company was SENT A CASHIERS CHECK FOR THE BALANCE AND STILL SUBTRACTED THE BALANCE FROM MY CREDIT LINE. As mentioned in the same EMAIL, they could have INITIALLY MENTIONED THIS WAS AN OPTION. Instead of causing more distress to their client. Please thoroughly review my complaint instead of sending a generic response. It would be appreciated. 

• Initial Complaint

  06/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a payment for a loan for 563.00 that was due on May 17th, 2024, the payment did not go through because I had to get a new debit card because it was stolen. I called on May 20, 2024 and paid the balance over the phone to a CSR by the name of ***. It is now June 7, 2024 and they are saying that they still do not have my payment. I have emailed my bank statement, I have called asking for a supervisor and I keep getting told they will call me back which no one never does. Each CRS give me different reasons on why my account is not fixed. I keep getting collection calls and text messages from their company and ***** *****

  Business response

  06/17/2024

  *************
  First National Bank of Pasco dba FirstFin Credit is in receipt of the above reference
  complaint. FirstFin Credit values the Better Business Bureau's role in addressing
  consumer concerns. We are pleased to provide a formal response.

  
  To summarize, the complainant states that she made a payment over the phone with
  customer service on May 17th. However, she was later informed that her payment was
  not reflecting on her account and that the account was now past due. The customer
  states that she has provided her bank statement showing the successful payment and
  has asked to speak with a supervisor but has not received a callback or assistance and
  is now receiving collection calls.

  
  A review of our customer’s account history confirms that we received a call from the
  customer on May 18, 2024, requesting to make a payment on her account. Upon
  processing the payment, the handling representative advised the customer that the
  system did not show that the payment went through, despite the customer's bank
  account reflecting the transaction. The customer was asked to email a copy of her
  running bank statement to help us investigate the missing payment.

  
  The customer made additional calls regarding the missing payment and was informed
  that her documents needed to be reviewed before her account could be updated. Once
  we received and reviewed her bank statement, our Merchant Services team verified the
  payment and updated her account accordingly. We apologize for any inconvenience this
  may have caused.

  
  In closing, we appreciate the opportunity to respond and hope this clarifies the matter. If
  the complainant has additional questions, she may contact FirstFin Credit directly at
  ###-###-####.

  
  Sincerely,
  FirstFin Credit Customer Service
  ** *** **** ******* ** *****
  ###-###-#### ********************************** or ***********************

• Initial Complaint

  04/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I opened a loan account through FirstFin Credit for the amount of $400 and when I opened the account I was told that interest is included in the loan, on Feb 2024 I made a last payment towards the loan and is paid off, on March 29th 2024 I seen a payment of the amount of $13.61 from Firstfin credit on my Chase bank account and I called to see what the payment was for and Firstfin said that is towards interest and said they are able to take off the payment. April 12 2024 I seen another payment on my account from Firstfin Credit of the amount of $13.61, I called them again and they have said I need to pay off interest because now it’s in collections but my loan is paid off.

  Business response

  05/02/2024

  *************************
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer
  (Complainant). First National Bank of Pasco dba FirstFin Credit appreciates the role of the Better
  Business Bureau in resolving consumer concerns. We are happy to provide this response.

  
  To summarize, the Complainant states she had originally opened a loan account through FirstFin Credit
  and was told that interest was included in the loan. Additionally, in February 2024 she states that she
  made her last payment but was charged in March 2024 and an additional time in April 2024.

  
  A review of our records confirms that on July 26, 2023, the Complainant applied for and received a Line
  of Credit for $400.00 with FirstFin Credit. The application was processed at our preferred marketing
  location, California Check Cashing Stores in Fresno, CA. As part of the application process, our customer
  was provided with a Line of Credit Agreement, which outlined the terms and conditions of the account.

  
  The line of credit agreement that our customer executed clearly states:
  Account-Opening Disclosures:
  Interest Rates and Interest Charges
  Annual Percentage Rate (APR) for Cash Advances: 29.99%
  Minimum Interest Charge: None
  Paying Interest: We will begin charging Interest on cash advances as of each transaction date.
  6. Calculation of Interest; Interest Rate Reduction. Interest under this Agreement shall accrue at a daily periodic
  rate of 1/365 of the Annual Percentage Rate of 29.99%, which equals a daily periodic rate of 0.082160%. Interest is
  not charged on the first day of opening your Account. We use the Average Daily Balance method (including new
  transactions) to calculate Interest charges. We calculate the Interest for the billing period by multiplying the
  applicable daily periodic rate by the Average Daily Balance by the number of days in the billing period. To
  determine an "Average Daily Balance," we calculate a daily balance each day of the billing period. We start with
  the beginning balance each day. The beginning balance for the first day of the billing period is the balance at the
  end of the prior billing period. Each day, we add any new draws; subtract any payments or credits applied to that
  balance; and make other adjustments. This gives us the daily balance. A credit balance is treated as a balance of
  zero. Then, we divide the total by the number of days in the billing period. This calculation gives us the Average
  Daily Balance. Interest charges accrue from the date of each draw. (Italics added)

  
  Our customer signed the line of credit agreement electronically, in compliance with the Electronic
  Signatures in Global and National Commerce Act (E-SIGN), indicating her understanding and agreement
  to the terms and conditions as outlined.
  
  A review of the payment history from our customer’s account confirms that our customer processed an
  advance on December 12, 2023, which was due in full of December 29, 2023. Our customer did not make
  her payment as required on December 29th. Instead, our customer made a payment of $90.91 on January
  5, 2024, which did not cover the entire outstanding balance. Additional payments were made on January
  22, 2024, for $90.91 and on January 25, 2024, for $119.45. It is important to note that since there was an
  outstanding balance left on the account after its due date, the account continued to accrue interest on the
  outstanding balance, as well as late fees being assessed.
  
  Despite our attempts to negotiate a suitable payment arrangement for the outstanding balance of $54.42,
  the account remained delinquent and was subsequently sold to ********* ******* ****** ***** ***
  ("*********") on February 27, 2024. It is important to note that FirstFin Credit has not processed any
  payments on this account since the date that the account was sold. Any charges related to this account
  after February 27, 2024, should be directed to ********* and they can be contacted at ###-###-#### or at
  the following address:
  ********* ******* ****** ***** ***
  **** *** **** ********* **** ******
  
  In closing, we would like to thank you for this opportunity to respond, and hope that we have helped to
  clarify the matter. If you have additional questions or concerns, you may contact FirstFin Credit directly
  at ###-###-####.
  
  Sincerely,
  
  FirstFin Credit Customer Service
  ** *** **** ******* ** ***** ***** ********

   

• Initial Complaint

  03/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The last time I borrowed money from, ********** (FirstFin Credit Loan) @ **** ***** *** ***** ** ***** Was on 11/3/23 of $594.75 in my checking account. On 3/8/24 firstFin took out $674.43. Why?! The last time I looked on firstFin app. It said I owed $0.05. so I paid that! I called the 888-419-0225 number the morning of 3/08/24,as soon as I saw the withdrawal from my bank account. I talked to a guy and explained to him what has happened. He told me that I can email my bank statements and info on what's going on to (customerservice@firstfincredit.com) and it'll take a couple days for them to respond. I have not received an email or phone call, it's been 4 days now 3/12/24. The first Fin statements (open date 12/16-12/29) Shows Previous charges $682.41 And with the charges the new balance that was due on that bill was $699.88. Statement (open date 12/30 - 1/12/24) Shows Previous charges $699.88 Payments of $677.41 NEW balance that's due is $38.93 Statement (open date 1/13-1/26/24) Shows Previous charges $38.93 Payments of $38.93 NEW balance that's due is $0.05 Statement (open date 1/27-2/09/24) Shows Previous charges $0.05 Payments of $0.05 New balance would have been ZERO ! BUT for some odd reason, it shows Cash Advance of $617.53. Remind you, I have not borrowed money since beginning of November of 2023...AND I've never received the $617.53 in my bank account either. I would like to get my $674.43 that they took out on 3/8/24 back into my checking account! Also, from my bank statements...when they removed the $674.43 ON 3/8/24 it was taking out by FIRSTFIN CREDIT LOAN but with the other payments and deposit from other dates it would say it's from **** *** ******. I want my ********** FirstFin Credit account deactivated and removed! I no longer want my personal information in their data system.

  Business response

  03/19/2024

  ******************
  
  Thank you for the opportunity to respond to the corresponding complaint filed by our customer (Complainant). First National Bank of Pasco dba FirstFin Credit appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
  
  To summarize, the Complainant states she had originally borrowed money from ********** for a FirstFin Credit loan on November 3, 2023, for $594.75. She believes that she had repaid the loan in full and does not know why her account was drafted on March 8, 2024. The complainant also states that she wants a refund and wishes to close the account.
  
  Contrary to the statement made in the corresponding complaint, the complainant did not borrow money from ********** as stated. Our records indicate that on July 18, 2023, the Complainant applied for and received a Line of Credit for $550.00 with FirstFin Credit. The application was processed at our preferred marketing location, **********. Additionally, on September 28, 2023, the complainant’s line of credit account received a $100.00 line increase.
  
  Our records also confirm that on November 17, 2023, the complainant took out a draw for $650.00. However, this draw was not repaid by its due date of December 2, 2023. Following a conversation with the complainant on December 15, 2023, it was disclosed that she was experiencing financial hardship and unable to pay until January 2024.
  
  On March 7, 2024, an electronic payment was initiated from the bank account provided during the application process, in accordance with the terms outlined in the complainant’s line of credit agreement, totaling $674.53. This payment covered the outstanding draw from November 2023, along with associated fees and interest.
  
  Based on the documented facts, the complainant is not entitled to a refund. Furthermore, the complainant’s FirstFin Credit account has an outstanding balance of $28.22. Once that balance is fully paid, we can close the line of credit account as requested.
  
  In closing, we thank you for this opportunity to respond and hope we have helped clarify the matter. If you have additional questions or concerns, you may contact FirstFin Credit directly at ###-###-####.
  
  Sincerely,  
  
  FirstFin Credit Customer Service
  ** *** **** ******* ** ***** 

  ###-###-####
  ********************************** ** *************************

  Customer response

  03/22/2024

  Their response to my complaint did not answer any of my questions about the statements and bank statements I sent and highlighted showing that my bill would have been $0.05 after I paid the $38. But the last statement shows I paid the $0.05 and it would have been zero but they added a cash advance of $617.53 (I did not borrow any money since November 3rd) and also on that statement all of a sudden it shows past due amount of $677.41 making the new balance of $679.43.

  None of it make sense. If I owe money then all of those statements I sent a copy of in my first message, it would have kept showing a past due amount over $600 each time, but none of them did. After I paid that $0.05 that was due after I paid the $38. I shouldn't have to owe anymore money after that $0.05 I paid.

  I would like my refund of $674.43!!

  and disregard the late charges you guys are now adding to the "new balance" that you're saying I "Owe" that's left over from the $679.43 bill. 

  
  Regards,
  
  ****** *****

• Initial Complaint

  01/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  An annual fee for an account I have not used. They say it’s always been deducted monthly. I received monthly statements that always showed a 0 balance. Now that I know about this monthly fee, I want to cancel this account. I can’t be the only one having issues with this and them. I called and the rep was very NASTY! I don’t want to pay the fees and I want the account closed.

  Business response

  01/16/2024

  *******************
  Thank you for the opportunity to respond to the complaint filed with the Better Business Bureau
  (BBB). First National Bank of Pasco, Member FDIC d/b/a FirstFin Credit appreciates the role of
  the BBB in resolving consumer concerns. We have investigated the complaint and are happy to
  provide this response.

  
  In the complaint, the customer states FirstFin Credit charged an annual fee for an account with a
  balance of $0.00. The customer requests that FirstFin waive the fee and close the account.
  Our records indicate that a FirstFin Credit Line of Credit was opened in this customer’s name on
  December 21, 2021. According to the FirstFin Credit Line of Credit Agreement, which was
  provided to the customer at the time the account was opened, the Annual Fee is charged at the
  time of origination and annually thereafter.

  
  Please be advised, paying the balance on a FirstFin Credit Line of Credit does not automatically
  close the account. In fact, the FirstFin Line of Credit remains open for potential access to funds.
  This feature provides many FirstFin Credit customers with the peace of mind that comes with
  having an open line of credit for potentialities such as unexpected or emergency expenses;
  nevertheless, as a one-time courtesy, FirstFin Credit has waived the annual fee and closed the
  account.

  
  We are sorry the customer found our customer service unsatisfactory. FirstFin Credit considers
  customer service a very high priority and will continue to strive to meet customer expectations.
  For further questions or comments, the customer may reach us by email at
  ********************************** or by telephone at ###-###-####.

  
  Sincerely,

  
  *************************

  Customer response

  01/20/2024

  I accept the business's response to resolve this complaint.
  Regards,
  
  ****** *****

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩