retail customer service representative

shift manager

store manager

retail sales associate

fire protection specialist

EZCORP, Inc.

A typical day working here is, getting to work an hour early to be on a conference call that your area manager is doing from bed. From 10-12 you open the store(your the only one who works there) do a round of current past due and Collection calls. Print out reports calculate where you are to monthly performance post on business board. Clean up the store (they prefer you clean before you open but will write you up if you try to get paid for the time). Answer any E-mails that come through requesting info. You cannot take a lunch if you work alone at your store which about 50-75% of the time the run the stores with only 1 person so you have to work while you eat. From 12-3 you do a second round of current past due and collections calls. Answer any E-mails and you are responsible to do daily marketing which consists of you illegally flyering on private parking lots, blast fax marketing, littering on nearby residential houses yards by throwing "yardbombs" which consist of flyers a pen and candy that is rubber banded and thrown in your yard. Putting out street signs when city rules plainly state that it is not permitted and when you are asked by the city code enforcers you are made to appologize and look ignorant. They also have you cold call residential people out of the white pages trying to find new business. You are expected to do daily marketing even if you are the only person working at the store, you are not allowed to close your store you are told to "find a way to market" which led many co-workers to market off the clock just so they would not lose their jobs. From 3-7 you are to make a third round of calls to current past due and collections accounts take any payments that come in and when someone is late call them for a "reminder call" if they do not answer you are told to send an E-mail to the other store in your district or neighboring districts so that they too can call the same customer repeatedly till they either will not come in at all or call or come in and verbally abuse you. After 7 you are suppose to re-clean your store count the safe down answer any E-mails before you leave. I had been in this industry before this place for over 3 yrs. When I came to work for them I was working by myself 6 days a week 8:00AM to 7:00PM for 7 months I was asked to be in a program to groom area mgrs, I went to 1 meeting and never heard anything after that. I have seen over 4 Regional Managers 8 Area Managers over 50 Branch managers and even more Customer Service reps come and go. They hire "qualified" people to be Area Mgrs and Regional Directors, but when it comes down to their qualifications all they are qualified to do is threaten and harass the employee with firing them, while not doing store visits forging your performance evaluations and not hiring anyone to work the store with you so that you can actually perform your job correctly. When you go to HR about the harassment you are made to be the problem. I gave over 5 years of my life to this company thinking that all my hard work would pay off and in the end it did not. Forget hard work ethic its all about who you are friends with and in worse cases who you will do "favors" for to move up. The management of this company is ridiculous, it makes me wonder if anyone in the board knows what kind of people they employ as upper management. In the realm of co-workers your lucky if you have any. If you do have some do not expect to keep them as they will fire a branch manager and promote your CSR and not hire another person to replace them. Then a month or two later they will fire that CSR that they promoted stating that they were not management material. The hardest part of the job is seeing how being a branch manager is not part of your job as you are micromanaged and never given the freedom to run your store. It is also hard to see your manager who is not doing their job at all get all the credit and pass none down to the people who actually do the work. Also if you have a family or any plans to further educate yourself, you need to scrap them now because those things are only allowed if you are an Area Manager or above. They will also tell you that they will work with your schedule when you interview and then lie saying they never made any such claims. Also another hard part of the job is hitting your goals for months and months and when you do not hit it one month they act like you have never made any goals since you started working for them, I have also been told "Yeah you have been hitting your goals but what have you done this month?" this was in reff to my store being behind a collections goal by 2%. The longer you work there the more you notice that you do not knw anyone you work with as all the people who were there when you started are way long gone. The Most enjoyable part of the job was helping the customers out, which is what we are suppose to do. Yet if you do not "help the customer out" by putting them into products that are way to expensive for them then you are not doing your job correctly. This is the only place that I have worked where a letter from a customer thanking me for my service has gotten me almost written up because they said that I was going above and beyond my job description by over explaining the services that I provided to my customers.

What is the best part of working at the company?
The best part of working at the company is the customers and the hands-on work. I genuinely enjoy helping people who come into the store—whether it’s answering questions, finding solutions, or just making their day a little easier. I also really enjoy putting out new products, tagging items, and staging the store so everything looks organized, clean, and appealing.

Those tasks allow me to use my strengths: customer service, organization, and taking pride in how the store presents itself. When I’m able to focus on those areas, I feel productive, confident, and connected to the work I’m doing

What is the most stressful part about working at the company?
The most stressful part is the lack of consistent support, communication, and follow-through at the store level.

There are times when tasks, training, or concerns are not addressed in a timely or consistent way, which makes it difficult to do my job confidently. When guidance varies from person to person, or when responsibilities are unevenly enforced, it creates confusion and unnecessary pressure.

Another stressful aspect is when team dynamics become unbalanced—such as when certain employees are allowed to disregard tasks, avoid responsibilities, or direct blame toward others. This creates tension and makes the work environment feel discouraging, especially when accurate information is not always communicated.

Overall, the stress comes from trying to meet expectations without always having the structure, support, or communication needed to succeed. I’m committed to doing my best, but clearer expectations and more consistent leadership would make a huge difference.

What is the work environment and culture like at the company?
The work environment has potential to be positive and productive, but it is often inconsistent. The culture depends heavily on who is working and how responsibilities are shared that day. When teamwork is strong and communication is clear, things run smoothly and the atmosphere feels supportive.

However, at times the environment can become stressful due to uneven workloads, lack of follow-through on tasks, and certain employees not being held to the same standards as others. This can create tension, frustration, and a feeling of being unsupported. Clearer leadership, better communication, and more consistent accountability would help strengthen the culture overall.

Despite the challenges, I do believe the company has the foundation for a good work environment — it just needs more structure, teamwork, and fairness to fully get there.

What is a typical day like for you at the company?
A typical day for me includes helping customers, handling transactions, and keeping the store organized. I start by checking the daily tasks, making sure drops are done, and reviewing what needs to be completed throughout the shift. Throughout the day, I spend a lot of time assisting customers, answering questions, processing loans and purchases, and making sure everyone gets a positive experience.

I also focus on putting out new products, cleaning and organizing the shelves, staging the store, and making sure everything is neat and presentable. When possible, I work on my training tasks and try to stay updated on procedures so I can continue growing in my role.

In between customer flow, I often remind team members about tasks that still need attention or step in to handle things that haven’t been completed. Some days require more multitasking than others, depending on how busy the store is and how much support is available.

Overall, my day is a mix of customer service, store upkeep, teamwork, and staying on top of responsibilities to keep the store running smoothly.

A typical day at EZCORP consisted of opening the store; counting cash in the drawer and safe, making reminder calls for payments due that day, making reminder calls for payments outstanding, making collection calls for defaulted loans then scheduling payments and processing payment plans accordingly. Greeting new clients, "walk-in's" determining which loan is most suitable for them; taking care of existing clients. At the end of the day, count the safe, make a deposit to the bank if necessary, count the drawer and make reminder phone calls for the next business day then lock up. Usually at the beginning of the month we would go marketing. Overall my tasks included; customer service, sales, auto-title loans, installment loans, cash advance loans (payday loans), collections and marketing.

I learned a great deal at EZCORP. I learned a great deal about handling large amounts of money and learned how to "read people." I knew which clients would repay a large sum of money and which clients were going to default (in which case I would offer them an auto-title loan so we would have collateral in the event of a defaulted loan). I also learned how to deal with irate customers in a professional and relaxed manner.

Management was great, if I had any questions about anything or if I had a questionable client come in who had taken out a loan at a different location I was able to contact them to learn more about the clients activity without hesitation. My regional manager encouraged us to work together as a team. EZCORP had a strong team-based almost family-like environment. All of my co-workers felt like family. 

The most challenging part of the job (at first) was the idea that we could be robbed at any time. Many of the locations I had trained at had been robbed and my home store had been robbed on my day off. As a team we had to undergo multiple drills and learned how to take care of such a situation. However, the initial fear of a robbery had faded away. We had a very strong support team and a very intricate response system in the event of a robbery. Also, unruly customers were commonplace at EZCORP. Sometimes we would have to repossess a client's vehicle or in some cases access their bank accounts on their payday to recover our money - in which case, said clients would normally storm into the office in fits of rage.

The most enjoyable part of the job for me was helping clients who were in desperate need of a loan. In most cases, our clients had little, no or bad credit and couldn't get a loan from a bank. I took great pride in helping those who in many cases needed a loan for their rent, Christmas gifts for their children, to put food on their table, etc. Another enjoyable part of my job was working in a team-oriented setting. I enjoyed processing loans and conversing with my clients. I also enjoyed recovering defaulted loans and was very good at it.

	PeopleSoft Techno-Functional consultant with 8+ years of experience in   PeopleSoft HRMS (Payroll for North America, Base Benefits, Benefits Administration, Campus Solutions, Time and Labor, eBenefits, , eRecruit, ePerformance). 
	Strong technical expertise in module interfacing, upgrading, conversion, development, data migration, Production support, Module Development and reporting based on PeopleTools 8.53,8.52,8.48,8.46,8.45,8.42/8.x/7.x and writing/debugging PeopleCode.
	Experienced with Object based PeopleCode, used methods and build-in functions.
	Extensively worked on SQR 4.x/6.x, Crystal Reports 5.0/6.0/8.0, PeopleCode, Application Engine and PeopleTools, Component Interface, Application Engine and Process Scheduler.
	Strong PeopleSoft technical skills include People Tools (Application Designer, People Code, Application Engine, Component Interface, File Layout, Process Scheduler, Integration Broker, Workflow, Query, Data Mover, Security Administrator, and Definition Security), SQR, n-Vision and Crystal Reports.
	Progressive Technical experience in customization, implementation, development, deployment, integration, data conversion, training, reporting and support of PeopleSoft HRMS 9.2/9.1/9.0/8.9/8.8/8.3/8.01/7.5 which includes HR,  Payroll, Time and Labor, Recruiting,Benefits, Benefits Administration and Campus Solutions, Student Financials, Student Admin, Student Record modules.
	Reporting Tools Crystal Reports, SQR Reports, XMLP and Workflow Technology.
	Understanding of all the components of peoplesoft PIA.
	Involved in the Installation of PIA.
	Software Quality Assurance and Quality Control Consultant with 6 years experience in Functional,  Regression, System Integration (SIT), Acceptance (UAT), Load/Performance, Security and Performance testing, Beta Testing.
	Developed/ Maintained several Test cases, Test scripts, Test Plans, Black Box, White Box Testing, Defect Tracking using HP Quality Centre.
	 Expertise in all phases of the systems development life cycle including requirements definition, data conversion, data mapping, system implementation.
	Very strong understanding & proficiency in implementing interfaces and workflow automation.
	Involved in techno-functional analysis, gathering user-requirements, project development, troubleshooting system issues, data conversion and production support.
	Performed several implementations and upgrades. 
	Involved in installation, configuration & administration of 8.3/8.8 and provided post-production support after implementation.
	Extensively involved in testing & debugging Self Service applications, Payroll, Time & Labor, Benefits, eRecruit.
	Possess excellent communication and interpersonal skills and a very good team player.

I worked for this company for over 3 years. I unfortunately became a part of the company after ezcorp acquired the current company I work for. I have been told that it was a wonderful place to work before that happened. Promptly after being hired, I was written up my 2nd month working there for not selling enough warranty's. I was never told this was a job requirement before taking the job and they take it pretty seriously, its pretty hard to sell a warranty on a snap on tool or any tool that carries a manufacturers lifetime warranty. They expect you to sell warranty's on everything, its a constant thing for them to gripe about, when in reality most people assume there is a warranty included. Nine times out of ten we lower the price to include the warranty to keep upper management off of our backs. They are now open on Sundays, which started about a year after I started working there, I of course worked every Sunday for 3 months straight until I complained about it. This is an excellent way to kick your employees while they are down, it gets better though. They now open on national holidays when everything else is closed and expect you to work for 3 hours. Don't worry though, they will cut your schedule later in the week to prevent you from getting overtime. One of the genius's at the main office came up with the idea of staying open until 9 around Christmas, Valentines Day, and Mothers Day, its normally a ghost town and safety starts becoming an issue after dark when you have large amounts of cash. Don't worry about that either, because they will have you come in at 2 to prevent you from getting overtime. I see this as a poorly run organization that has too much fat at the top. Making money in this business is like shooting fish in a barrel, the people will come when you are open and bring the same stuff. What they fail to realize is they only alienate  their good employees and don't make anymore money. Working here is like working at a permanent garage sale, the problem being everyone comes in for a deal and we are not allowed to make deals on the new stuff that has not been out for sale long enough. If we discount something we get a stern talking to from upper management. I pretty much hate this place and will hopefully be gone very soon. Do not work here, you will regret your decision. If you want to work at a corporate pawn shop chain go to Cash America, they at least observe holidays for their employees.

I worked at EZPawn for a little over 3 years. It was my first job out of High School and I can honestly say I was the best first job I could have asked for. It's not a perfect job mind you, most people would probably hate it, but I felt comfortable there and I was good at my job.
With that being said, it has it's pros and cons, which I'm putting here because they're very long.

Pros:
- The company treats you like family, and usually the crew are all friends with each other.
- About 65% of your customers are actually really nice average blue collar joes trying to make an honest living and are just there for their regular pawns.
- You get to know your regulars really well.
- The pay is decent, and the hours are good.
- Usually management tries to be flexible with your life and tries to help you work around it.
- Vacation time, sick days, and ehhh commission as a bonus (its peanuts but hey it's a bonus)
- Lots of experience in multiple fields.
- Fast paced environment.
- You will learn how to read people very well, be able to tell when someone is lying to you, and to hold a fantastic poker face.

Cons:
- Management is a coin flip. You either get fantastic leaders or people with their heads so screwed around you wonder how the company doesn't fire them because their driving the store into the ground.
- You will have A LOT of quotas to meet, and you should immediately make it a habit to check the daily performance reports.
- You are GARUNTEED to at some point in your career have to look a crying woman holding her child dead in the eyes, and tell her that her items are not worth any value and that unless she brings you something else you can't do business with her. Like it or not, you will hear sob stories everyday and you are going to have to grow cold to it. I've seen women pull the "my child just needs diapers please I'm begging you" trick with a crack pipe in their back pocket. I've seen old men nearly cry saying they just need a little bit of money till their social security check comes in, and then after they get their money they come back an hour later because they blew it at the casino.
- People will get extremely aggressive towards you, and I'm not talking about retail passive aggression. I'm talking about you wish everyday that they would hire security because someone at some point is going to try swinging at you, and it's not a rare occurrence.
- To quote an old coworker who had (at that time) worked there for over 5 years, "This job is going to eat your soul. Get over it."
- Health care coverage offered by the company could be better

8 AM: Arrive at work. Put out the jewelry and lawn equipment. Balance your cash drawer. Try to soothe the growing pit of anxiety in your stomach with thoughts of fluffy kittens and glazed doughnuts.

9 AM: The cars that have been waiting in the parking lot begin to empty. Your manager opens the door and the sullen, sour faces flood in. To your dismay, the first customer you assist says "I have a bunch of receivers and speakers in my truck." You steel yourself and walk outside with him, hoping you can find a way to turn everything down.

10 AM: An angry customer who hasn't paid on her loan calls you a so-and-so and a such-and-such. Your manager is standing nearby but says nothing. You begin to question your life choices. As the customer opens her wallet, you spot her EBT card. She leaves and drives off in a fairly new Mercedes. You begin to question your political leanings.

12 PM: Lunch. An hour of peace and quiet away from the customers and the depressing influx of Playstations and cracked iPads. You'd like to watch a movie on Netflix on your phone, but corporate has removed the WiFi, so you can't. 

1 PM: For at least the third time today, you hear "I ain't never coming back here." And all you can think is, "Me neither."

3 PM: You try to explain the redemption process to a customer whose            loan is on the drop list. You tell her she missed last month's payment, which is why she's paying more today than she anticipated. She stalks out, muttering, but you can hear the words "thief" and "liar." You spot a break in the action and run to the bathroom, where you lean against the wall and repeat to yourself, "I am so much better than this." You wipe away your tears and return to the front. 

5 PM: You were scheduled to leave, but your manager has asked you to stay. It's busy, and the store is shorthanded today because someone called out sick. You agree, but you're pretty sure she isn't sick. You're pretty sure she just couldn't take another day.

6 PM: You find out the company's choice for store manager at another location. They have selected a man over a far more qualified woman. Your attitude suddenly gets really bad.

7 PM: The doors are locked. You count down your drawer and put up the jewelry and you go home, where you will yell at the dog and pick a fight with your husband and hear him say for the millionth time, "You have got to find another job."

Unprofessional Management, HR, and Toxic Work Culture

Rating: ★☆☆☆☆

My recent experience at EZ Corporation can only be described as a horrifying ordeal. From the moment I stepped foot into the company, I encountered unprofessional management, incompetent HR, and a toxic work culture that left me questioning my career choices.

First and foremost, the management at EZ Corporation displayed a complete lack of professionalism. They were disorganized, failed to provide clear direction, and often neglected their responsibilities. Communication was practically nonexistent, with crucial information withheld or conveniently forgotten. This resulted in confusion and frustration among the employees, leading to inefficiency and decreased morale.

To compound my misery, the HR department proved to be utterly ineffective. They were unresponsive to employee concerns and complaints, showing a complete disregard for the well-being of the staff. Policies and procedures were not consistently enforced, and instances of favoritism were prevalent. It became apparent that HR was more interested in protecting the company's reputation than in addressing the legitimate issues faced by employees.

The work culture at EZ Corporation was toxic and demoralizing. The constant pressure to meet unrealistic deadlines and unachievable targets created an atmosphere of stress and anxiety. There was a palpable lack of teamwork and support, with colleagues pitted against each other in a cutthroat environment. The absence of work-life balance was evident, as employees were expected to sacrifice personal time and well-being for the sake of company profits.

In conclusion, my experience at EZ Corporation was nothing short of a nightmare. The unprofessional management, inept HR, and toxic work culture made it an unbearable place to work. I would strongly advise anyone considering a career at this company to think twice and explore other opportunities. EZ Corporation is a prime example of how not to run a business and treat employees.

They need to adjust budget to have enough  staff so they're not forced to do constant overtime. Exploitation of management is blatant. White collar exemption is unfounded; you work physically as a majority, they got rid of yearly reviews, you can't give raises, or fire, sometimes can't choose who to hire, write ups go through two other people for approval, making schedules isn't in your power because they are nitpicked until you make it what middle management wants, and goes through them for approval, you get watched consistently baby sat by cameras so they know you're engaged with the programs. 
The last portion of exploitation is probably the largest for me, but by design you are used for free labor. In a normal setting hours are flexible for salary exempt, busy times might mean 50 hours, normal times 40. Here, you're expected by policy to work 48-50, not including lunch....every week. There was then a switch to workday so you can be spied on to make sure youre doing that. In a staff of five, everyone has a day off, with a requirement of two to open and two to close. You are a fill in. You do the job you always did before, four out of five days a week, and on the fifth day you help close sales and do the everyday tasks that anyone can do that got stock piled. The management reviews that are positive are because they must have a DM that believes lower management deserves to enjoy life too and is willing to take heat to protect their sanity. I'm hanging on, hoping that as a whole, they'll begin treating management like people too.

On the positive side, as a company, they give generous pto and heal care benefits. It's definitely worth it in the Pawnbroker through Store Manager in Training levels. They do try to improve the work lives of non-management team members regularly. In fact, I enjoyed my job in these positions and would have been 5 stars until my "promotion".

It takes a "special" type of person to do this job. Empathy and ruthlessness need to be balanced. It's challenging and can be fun if you are strong willed and ok with organized chaos, but will burn you out from all directions over the long run. There are a lot of lifetime employees who are just dead inside from this job. Soulless.

The Bad:
You'll get to know the same people everyday, EVERYDAY, and they will know you, and beg you to give them more money, or a better deal on a purchase. You'll be trapped between the sob story, or straight anger, the company policy, and your job. CYA, and WYB. Long hours, pay sucks compared to the responsibility and the clientele you are forced to deal with all day. Absolutely disgusting and unsafe work environment, not just all the used products you are forced to clean, but the stores themselves, and the customers.  Bonuses are set up to be almost impossible to get if the store as a whole does not meet it's goals for the month. Individual sales commission is tracked but not paid out unless the entire store meets monthly goals. 

The Good:
Bonuses (if you earn them. A good store with rockstar employees can get 3-4 a year). Pay raises are great for retail, and come frequently if you hustle and become a Team Lead or Assistant Manager, but the pay caps out too low. Medical and 401k benefits were pretty good and PTO was outstanding (you can roll it over, and they increase each year on top of that.) Employee discount is low, but you'll learn how to get some great deals on stuff over time. Employees are real folk. Teams really need to work together and have each others back, and most stores are like that. Store Managers are down to earth and pretty much in the same boat as you, especially in regards to upper management. (it's in their best interest you do well and everyone in the store gets a bonus for the month.. store manager bonus is $$)

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Retail customer service representative 2479 salaries reported	$14.33 per hour
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Fire protection specialist 108 salaries reported	$16.60 per hour

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