CIVIC FINANCIAL SERVICES, INC. - Florida Company Profile

Company Details

Entity Name:	CIVIC FINANCIAL SERVICES, INC.
Jurisdiction:	FLORIDA
Filing Type:	Foreign Profit
Status:	Inactive The business entity is inactive. This status may signal operational issues or voluntary closure, raising concerns about the business's ability to repay loans and requiring careful risk assessment by lenders.
Date Filed:	26 Nov 2013 (11 years ago)
Date of dissolution:	21 Jan 2016 (9 years ago)
Last Event:	WITHDRAWAL
Event Date Filed:	21 Jan 2016 (9 years ago)
Document Number:	F13000005138
FEI/EIN Number	462477192 Federal Employer Identification (FEI) Number assigned by the IRS.
Address:	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA, 90278, US
Mail Address:	2015 MANHATTAN BEACH BLVD. STE 106, REDONDO BEACH, CA, 90278
Place of Formation:	CALIFORNIA

Key Officers & Management

Name	Role	Address
MCCARTHY GARY	President	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA, 90278
MCCARTHY GARY	Chairman	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA, 90278
MILES MATTHEW	Vice President	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA, 90278
HELFRICH JAMES	Vice President	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA, 90278

Events

Event Type	Filed Date	Value	Description
WITHDRAWAL	2016-01-21	-	-
CHANGE OF MAILING ADDRESS	2016-01-21	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA 90278	-
CHANGE OF PRINCIPAL ADDRESS	2015-02-04	2015 Manhattan Beach Blvd. Ste 101, Redondo Beach, CA 90278	-

Documents

Name	Date
Reg. Agent Resignation	2016-06-15
WITHDRAWAL	2016-01-21
ANNUAL REPORT	2015-02-04
ANNUAL REPORT	2014-02-27
Foreign Profit	2013-11-26

CFPB Complaint

Complaint Id

Date Received

Issue

Product

2561726

2017-06-28

Closing on a mortgage

Mortgage

Tags	Servicemember
Issue	Closing on a mortgage
Timely	No
Company	Civic Financial Services, Inc.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2017-06-28
Submitted Via	Web
Company Response	Untimely response
Consumer Disputed	N/A
Date Sent To Company	2017-06-29
Consumer Consent Provided	Other

2263762

2016-12-26

Loan servicing, payments, escrow account

Mortgage

Issue	Loan servicing, payments, escrow account
Timely	No
Company	Civic Financial Services, Inc.
Product	Mortgage
Sub Product	Other mortgage
Date Received	2016-12-26
Submitted Via	Web
Company Response	Untimely response
Consumer Disputed	No
Date Sent To Company	2016-12-26
Complaint What Happened	I applied for a mortgage loan with Civic at the end of XXXX. I received a pre-approval defining the terms of the loan. However, Civic did not disclose to me that if the loan is past due, the interest rate will increase to 18 %. In XXXX XXXX, due to financial hardship, I failed to make the monthly payment on time. As a result, the interest rate increases to 18 %. I tried contacting them to see if they are willing to reduce the interest to what it was at the inception of the loan ; however, they refused to.
Consumer Consent Provided	Consent provided

2696031

2017-10-08

Trouble during payment process

Mortgage

Tags	Older American
Issue	Trouble during payment process
Timely	No
Company	Civic Financial Services, Inc.
Product	Mortgage
Sub Product	Other type of mortgage
Date Received	2017-10-08
Submitted Via	Web
Company Response	Untimely response
Consumer Disputed	N/A
Date Sent To Company	2017-10-08
Complaint What Happened	I borrowed from Civic Financial {$150000.00} on my prior primary residence at XXXX XXXX XXXX XXXX XXXX XXXX Florida for a restaurant venture in NC that failed. I borrowed the money in XX/XX/XXXX and prepaid the mortgage through XX/XX/XXXX. In XX/XX/XXXX I screwed up my monthly payment for {$1500.00}. Civic thorugh its servicer XXXX sent to my XXXX XXXX home a notice to accelerate to foreclose and that I must pay {$1800.00} prior to XX/XX/XXXX. I tried to pay the amount through XXXX but they would not take the payment. I spoke with a XXXX Representative XXXX XXXX XXXX who told me that my interest rate went from 9 % to 18 % and that I owed {$5800.00}. I do n't have {$5800.00} and I ca n't afford the new payment of about {$2400.00} monthly. XXXX XXXX said pay two payments of the {$1500.00} for about {$3200.00} and she would get Civic to make the loan current and place the loan back at 9 percent interest. I got bank checks and mailed them to XXXX and made my normal payments via bank check until the Hurricane hit Florida and I tried to pay by phone but XXXX again refused my payment. I spoke again with XXXX XXXX who told me that I made no payments prior which she then retracted and said my bank checks were not cashed but returned to my NC home that I rented. My bank wont give me credit on those checks for 90 days and XXXX knew my home address to be XXXX XXXX as they sent me my notice to accelerate foreclosure to that address in XX/XX/XXXX. Now Civic wants close to {$16000.00} to resolve foreclosure when I owe them about {$6000.00} in payments that I had already made but they refused. Now I 'm going to lose my home.This is most unfair. This in my opinion is predatory lending.
Consumer Consent Provided	Consent provided

Date of last update: 02 Apr 2025

Sources: Florida Department of State