|
3287500
|
2019-06-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-26
|
| Complaint What Happened |
I had an installment loan with Service Finance Company for an air conditioning unit installed at my home. I lost my job and was late on several payments. I paid off the loan fully in XX/XX/2019. I went to re-finance my home mortgage and was informed that Service Finance incorrectly reported the account type to the credit reporting services as a mortgage account which severely impacted my credit score, instead of the proper account type ( unsecured installment loan ).
I contacted Service America on XX/XX/XXXX to correct the reporting account type to the credit services and they informed me that they can not correct the account type and would issue a letter stating the incorrect account type reported.
I was informed by my mortgage company that the letter is of little use without correcting the account type with the credit services. I contacted Service Finance again and they are unwilling to correct the account type.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3720660
|
2020-06-29
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-29
|
| Complaint What Happened |
I submitted a complaint about Service Finance Company LLC on XX/XX/2020 ( XXXX ) regarding an incorrect past due on my credit report which caused my credit score to drop down 79 points. This complaint was investigated and Service Finance responded back that a manual error erroneously was reported a past due to the credit bureau and that they apologized to me and have rectified their error. Shortly after that my credit score went back up 76 points which made me happy. Then a week later I received another notification from XXXX XXXX that Service Finance Company LLC reported me past due again to the credit bureau which lowered my credit score another 39 points. Also, when they responded back from the first complaint they referred me as Ms. and Her. They gave me the loan which I never missed a payment and I have since paid off in full and they mailed me a refund check for {$2.00}. I feel that this company needs to be investigated for bad business practices. Thank you for giving this matter your time and attention.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3449189
|
2019-11-25
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-25
|
| Complaint What Happened |
I applied for a loan with Service Finance, LLC on XX/XX/2019 I was told by the construction company that I was declined due to having no credit file and/or my XXXX credit file being locked, unable to view and no credit score. The rep then proceeded to ask me my race, gender and other information. I feel that I was discriminated against by this lender and denied a loan as a result.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2783654
|
2018-01-17
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-17
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
A contract was written on XXXX XXXX, 2017, for various services to be performed by XXXX XXXX XXXX ( State Lic. # XXXX ). Included were Photovoltaic Panels, solar water heater and panel, solar attic fan, insulation, a variable speed pool pump, and 1-time roof remove replace. Also mentioned, was that the inverter would have a wifi monitoring system, and routine maintenance. " We would know if there was a problem with your panels before you did. '' is what we were told by the sales representative.
We never received a wifi monitoring system, and the company does not monitor the panels like we were informed.
We attempted to contact XXXX about the 1-time roof remove replace, after hurricane Irma had us file a claim with our homeowner 's insurance. We did not receive a response until we filed a formal complain with the financing companies.
XXXX is now under the impression that we were requesting the solar panels to be removed, while we get our roof replaced, to which they denied. They stated that the notation on the contract was only for the solar water heater panel to be removed and replaced.
XXXX offered to replace my roof at a " good price '' to which they would remove the panels and replace them, but I pointed out the 1-time roof remove replace was already included in the contract.
I informed XXXX that I was seeking counsel for the contract and they stopped speaking with me, and told the finance companies that they would not speak with me any longer, due to seeking assistance from an attorney.
The contract in question was for {$24000.00}, which included ; blown insulation, solar attic fan, 80 gal solar water heater and panel, a variable speed pool pump, and 1-time roof remove replace.
I 've made several attempts to resolve directly with XXXX Contracting. I filed a formal dispute with the finance company ( Service Finance ), regarding the contract not being fulfilled. It seems like XXXX is confused or misinformed of what the contract includes, and what the dispute is regarding. I am disputing the installed inverter not having a wifi monitoring system ( which the inverter is fully capable of ), and the removal and replacement of the roof on my home, as noted on the contract.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2648445
|
2017-08-11
|
Identity theft protection or other monitoring services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Identity theft protection or other monitoring services
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2017-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-27
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
On XX/XX/XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX an authorized service provider with XXXX XXXX XXXX XXXX XXXX came to our home. My wife XXXX and I listened to him for about an hour explain how he could get us on the Grid to eliminate our electric bill and maybe even get a refund at the end of the year. We were so excited about eliminating a monthly bill and helping the environment we signed the 2 purchase agreements ; one for {$11000.00} and the other for {$7500.00} ( XXXX XXXX said this was necessary to get the tax credit of {$5600.00} on our XXXX return ). Work proceeded and the system was live with our electric company ( XXXX ) on XX/XX/XXXX. Our XXXX bill came and we saw no credit and I called XXXX and was told that some electric companies delay the credit for one month due to accounting. Our XXXX bill came and only reflected a savings of {$60.00} from last XXXX or 21 %. Again I called XXXX and they sent a tech to my to verify the system was working and found it was working. Many calls XXXX management and no answers or resolution. I have now received my XXXX bill and it shows only a savings of {$13.00} from last year or 5 %. I have filed complaints with other agencies and am looking for financial relief with the finance companies in this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1412038
|
2015-06-09
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-06-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-06-11
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4561279
|
2021-07-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-21
|
| Complaint What Happened |
On XX/XX/XXXX I got a personal loan with Service Finance Company LLC for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX.
During the Deferral Period : 1. Late Notices will be disabled.
2. Late Fees will be disabled.
3. SFC will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster.
4. Payments will be suspended and added to the term of the Loan.
5. If your Loan is a Promotional Loan, the remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires.
6. Billing Statements will be suspended.
7. Interest will continue to accrue during the 120-day period.
8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.
9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect.
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call Service Finance Company in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru Service Finance Company has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4110331
|
2021-02-02
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2021-02-02
|
| Submitted Via |
Phone
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-02
|
| Consumer Consent Provided |
N/A
|
|
|
3713998
|
2020-06-24
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-24
|
| Complaint What Happened |
Two men came through the neighborhood selling solar panels. Wanting to lower our electricity bills and help the environment we agreed. The contract states 18 payments of {$100.00} and then after that term 240 payments of {$190.00}. The problem I have is that after looking at the not a bill statement they send out all the {$100.00} goes toward interest only. I immediately called Service Finance about all the money going toward just the interest and they said we agreed to this. Not what I recall! I said okay all upfront and then no interest after 18 months and they said no. You will continue to pay interest until the loan is paid off. I assumed it would be lower after the 18 months but no to that too. Yesterday I returned a missed call from them and I mentioned it again. The worker said it is in the contract. I looked at the contract today and it is not. I called Service Finance to ask where it is in the contract that says they will collect interest only for 18 months? The lady couldnt solve my problem and then put me on with a supervisor who said we dont break it down like that in the contract. I consider this fraud since they did not disclose that the first 18 payments would be interest only and they would continue to collect interest thereafter before we signed. We pay our debts. As I said that isnt the problem but we will not be able to pay this off anytime soon with the loan like this. I did try to move the loan but they will not refund the {$1800.00} in interest they have collected and whoever takes over the loan will also collect interest.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3236894
|
2019-05-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
I do not know
|
| Date Received |
2019-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-16
|
| Complaint What Happened |
I contracted with XXXX XXXX XXXX to install solar panel on my home Iin XX/XX/XXXXI was told by the salesman that it would take up to 90 days before my service would be in operation.HERE it is five months and i have no service. the financial service wants me to pay them and pay XXXX XXXX ; that means that I am am paying too company for the same service.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2908504
|
2018-05-16
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Older American
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-05-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-22
|
| Complaint What Happened |
Our Experience with XXXX Historical background : XXXX XXXX XXXX XXXX XXXX approached us ( unsolicited ) back in XX/XX/XXXX and offered to do a free Energy Audit and to recommend energy saving ideas for our home in XXXX, Florida. Upon arrival and after reviewing our past electric bills, the salesperson ( XXXX ) offered to install a solar system that would completely offset our electric bills from XXXX XXXX XXXX for a cost of {$18000.00}. He said we could easily qualify for no money down loan from another agency ( XXXX XXXX XXXX XXXX XXXX ) that XXXX had a good business relationship with. He went on to say that the loan would be structured with a low enough interest rate ( 2.99 % ) payable in 12 years so that our monthly/yearly loan payment ( PITI ) would always be less than our future electric bills from XXXX. In fact, we would be saving enough money in the process that it would also pay for our gas bills from XXXX. He wrote his offer down on a Purchase Agreement form with XXXX XXXX logo on the upper left corner and quite a few clauses in fine print ( see attachment ). We trusted him and signed Purchase Agreement without reading it thoroughly- thinking we would be generating green energy at our home while saving some money in the process. That was our mistake number 1 since we did not know what was meant by a 3.48 kW solar system and trusted XXXX when he claimed to have a lot of experience in sizing a solar system just by reviewing past electric bills. We also were unaware that XXXX was not connected to XXXX XXXX in any legal sense.
The very next day ( XX/XX/XXXX ), two of their field personnel showed up at our home to install the two solar attic fans that were part of the purchase agreement. They proceeded to cut two large holes on our roof and installed the fans very quickly giving us the impression that they knew what they were doing. They said they would be back to install the solar panels at another time. When we asked if they were concerned about getting approval from our HOA first and whether or not all of the solar panels would fit on the sunny side of our roof, they said they were confident of getting all the approvals on time and did not have any concerns about the roof space since they would be installing only 12 solar panels. At this point an alarm went off in my head since I had seen at least another home in our neighborhood that had gone solar and had quite a few ( more than 12 ) solar panels. I asked them if they thought 12 panels would be adequate to totally offset our electric bills, they said it would be better if they could add 6 more panels but suggested that I called XXXX ( salesperson ) first. I agreed to call XXXX while the field crew waited in their truck in front of our home.
When I told XXXX of our concerns, he expressed slight displeasure at first and asked me why I wanted to add more panels? I told him that I wanted to make sure that the system would be capable of producing enough electricity to offset our electricity use like we had discussed before. He said he did not have a problem as such personally to entertain such a request ; however, the purchase agreement had to be redone since it would cost us additional {$6000.00} or a total of {$24000.00} to do the entire project now. We faced a real dilemma since we had just signed a purchase agreement with XXXX the day before and they just cut two large holes on our roof to install two impressive looking attic fans indicating they meant business and we did not want to back away from a situation/prospect of not paying for our future electric bills. XXXX asked me to hold the line while he discussed our situation with the owner of XXXX and came back to ask me how much money was I willing to put down as a down payment towards {$24000.00} total cost. I told him that we could come up with {$4800.00} ( 20 % of {$24000.00} ) as down payment since thats how much money we had in our savings at that time. After consulting with the owner, XXXX said that we would qualify for a loan of {$19000.00} under the same terms we discussed the day before provided we could make the down payment first. Without a second thought we wrote them a check for {$4800.00} on the spot and that was our mistake number 2 since we were so nave and did not realize what kind of mess we were getting ourselves into. We did not have any chance to do any type of research on the company to find out if any consumer complaint existed against them on line. XXXX told us the previous day that out of hundreds of customers they served, they had only one unresolved case against them with XXXX XXXX XXXX which was affecting their rating with XXXX and we believed every word he told us and were fully trusting of him.
Within a week after we wrote our check, on XX/XX/XXXX another XXXX representative a young woman named XXXX XXXX showed up at our door with a revised purchase agreement ( see attached ) for us to sign. She told us that our loan has been approved and they were going to install the 18- solar panels with one inverter system as soon as the rest of the paperwork was finalized. Again we signed the purchase agreement without knowing the difference between a 3.48 kW system and a 5.22 kW system ; no one from XXXX would ever explain to us their significance either. All we knew and believed from our conversation with various XXXX personnel at that point was that the 5.22 kW system would be fully engineered and designed to meet our needs of offsetting our electric bills.
About one week after that, XXXX called to schedule a time for the installation of the panels. The same field crew came back on XX/XX/XXXX to install the panels on our roof and an inverter was placed inside our garage. They told us that they had done all the necessary electrical wiring ; however, we had to wait for the XXXX people to install a Net meter switch and the City of XXXX to come and inspect the installation before our system can be turned on and then we should start seeing the results ( reduction in our electric bills ). They showed us the switch which would turn the solar system on and assured us that they were one phone call away and would be back if we needed any help. Then they left, and we never heard back from them again. We were hoping they would call us to find out if the system was working or not or if we are still satisfied with their work or not.
On XX/XX/XXXX, the City of XXXX ( XXXX XXXX ) conducted an inspection and did not report of finding anything unusual ; although the Net Meter had not been installed by XXXX and the solar system was not operational at that time. We had to wait until end of XXXX when XXXX installed the XXXX XXXX and gave us the okay to turn the system on. When we turned the system switch on as was instructed by XXXX personnel, we noticed green, blue and red lights flashing across the inverter panel which turned into a steady glow of red light and an Error Message came across the inverter display panel. The message did not make any sense to us but we knew something was not right, turned the system off and called XXXX main number. There was no one to take our call but we left several messages. Not hearing anything back from XXXX, we called several times the next day and was finally able to talk to a person ( XXXX ) and told her what had transpired. She assured that she would request one of their service technicians to come and rectify the problem. We waited for another week and since no one came, we called her again ; this time she apologized and said that all of their service technicians were extremely busy but she could find out immediately when someone would be available and put me on a hold for a few minutes, then came back on line to say the technician would come for sure next Friday on the way back from working on another project in our area. However, no one came the following Friday and this became a pattern. I felt frustrated and personally harassed by XXXX personnel. I tried calling XXXX direct number but no one answered and finally I got a message that the number I had on my possession of XXXX the salesperson was no longer in service and no further information was available about this number. We had become quite worried by then but finally on XX/XX/XXXX, one of their technicians showed up to investigate our situation and after spending some time at our home, wrote a report that said the inverter was turning on for a few minutes and then turning itself off ( see attachment ). He left without rectifying the problem or giving any reason the system was behaving in this rather odd way. He said he would report the problem to his company and would ask to send someone more knowledgeable. When I asked him about the two men ( XXXX and XXXX ) who installed our system, he said he was not sure but one of them ( XXXX ) might have left the company but the other person ( XXXX ) was still working.
Next time I called XXXX I asked for XXXX by name and asked them to please send him our way since no one else seemed to resolve this issue. XXXX came to our home around middle of XXXX ( dont remember the exact date ). However, he said that the wiring was not done properly by XXXX when they were first installed and now that he had changed the wiring to the right order, the system should be working all right. He also mentioned that if we wanted to install a monitoring device to determine the energy output by the solar panels and an emergency power outlet by the inverter, we should contact him or his company which gave me the impression that he was trying to sell us some additional features that were not included when they installed our system. After XXXX left, the inverter continued to display green light during the day and there was no error message. We started to get hopeful thinking XXXX may finally have figured out a solution to the problem. However, hopefulness did not last very long and within a month after XXXX left, the inverter switched back to the red signal mode and started to display the same error message again- increasing our frustration and anxiety. We felt we were totally at XXXX mercy since their system was unable to produce electricity as promised from day one and no one seem to be able to fix the problem for any length of time. Every time we were calling their office we were getting the run around from their service department and their service technicians were blaming one another for erroneous work, we did not see much of a reduction in our electric bills plus we had to start paying XXXX XXXX XXXX XXXX XXXX towards the loan we took from them. The whole thing started to cause us quite a lot of anxiety and worries.
At this point ( XXXX of XXXX ) we decided to call XXXX to find out if they could shed any light as to why our 5.22 kW system which was supposed to produce enough electricity to totally offset our electricity consumption from XXXX grid was only producing a small fraction ( 22 % ) of our overall electricity consumption on a good month when the system was working without error message. XXXX representative told us that we needed at least a 9.0 kW system to offset our electricity consumption based on our consumption history- a 5.22 kW system was simply too small for that purpose. That was the first time we realized that a fraudulent business has deceived us. To verify if XXXX assertion was correct or not, we contacted three independent solar contractors. After reviewing our past electric bills, they all confirmed that we needed a 9.0 kW, or a bigger solar system installed if we wanted to offset our electric bills. We were shocked but still wanted to find out if XXXX would do something to remedy the situation. Around middle of XXXX, XXXX we heard from the owner ( XXXX XXXX XXXX ) of XXXX. XXXX XXXX said he was away on a medical leave and did not know much about our situation. However, he was taking over our case from this point forward and would try to help us any way he could. XXXX XXXX asked us to send him our last 5 months of electric bills from XXXX which we did right away and requested him to let us know what remedial actions his company would be willing to take to rectify the problem, but we did not hear back from him.
On XX/XX/XXXX, XXXX returned to our home for the first time since he and XXXX installed our system back in XX/XX/XXXX. After he inspected the system, he told us he needed to come back later that week to rectify the wiring problems at the panels once again and offered to put a monitoring device. By this time, we had lost all our trust in XXXX and their verbal assurances. XXXX did not return by the end of that week ( XX/XX/XXXX ) as he verbally promised. We then sent XXXX a letter requesting them to remove the solar panels and the inverter from our home and terminate our Contract.
Points, Counterpoints : By now it was becoming clear to us that XXXX likes to make fictitious promises to innocent consumers to sell their products and then pin them down with fake ( with XXXX XXXX logo ) purchase agreements that is not clear to ordinary folks, perhaps only a seasoned attorney could understand their pitfall. They engage services of registered engineers to produce fictitious design documents to pull permits very fast. They quickly install the system on site and then move on to deceive their next customer. Servicing their customers is not a priority item for them and then every opportunity they can get or create, they try to sell more of their products and services.
Realizing the difficult situation, we were under, we started to bring our complaints to various agencies such as XXXX XXXX XXXX, Florida Department of Business and Professional Regulation, XXXX County Department of Consumer and Veterans Services, Federal Trade Commission and Florida State Attorneys office. All these agencies except for Federal Trade Commission have assigned investigators and case numbers to handle/monitor our case. We were told by several agencies that there were other cases open and/or pending against XXXX in Florida, like ours. However, no one except XXXX County Department of Consumer and Veterans Services has provided any assistance to us so far.
We have had several email and letter exchanges, phone calls between XXXX XXXX and myself since XXXX became aware of our complaints to various agencies. XXXX XXXX would prefer that we honor their purchase agreement and keep paying bills from XXXX XXXX XXXX, in exchange he agreed to send their technicians to fix the existing problems with their solar system and place a new monitoring system at no additional cost. My wife and I on the other hand think that our relationship has soured to a point that its not possible for us to work with XXXX anymore. They violated our trust in them beyond repair and we would like to terminate our agreement. To that effect, we have proposed to pay them additional sum of money if they would remove the panels and inverter from our home, please see our letter dated XX/XX/XXXX to XXXX. Since receiving our letter of XX/XX/XXXX, XXXX XXXX exchanged emails with XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX County Consumer and Veterans Services, please see attached email chains between these two parties. In the beginning, XXXX XXXX indicated that he would be willing to remove the panels but later he changed his mind and now he is refusing to remove the panels and take me to court.
My wife and I are both retired and can not afford to pay our regular electric bills from XXXX while keep paying XXXX XXXX XXXX for their loan. We would like XXXX to remove the panels as they once agreed to do and terminate the agreement. We have already spent a quite a lot of money ( {$5000.00} ) and countless hours of our time on this project without seeing any financial benefit. We do not wish to add lawyers fee into this pursuit. We stand ready to answer any question and welcome any help/ mediation effort from any taxpayer funded agency that is willing to help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4585347
|
2021-07-29
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2021-07-29
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-29
|
| Consumer Consent Provided |
N/A
|
|
|
5604711
|
2022-05-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Other debt
|
| Date Received |
2022-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-15
|
| Complaint What Happened |
Full letter of Questionable activities follows. Please, redact if need be and with it in mind how this company raised these concerns.
Complainant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMAIL : XXXX XX/XX/2022 Consumer Financial Protection Bureau Consumer Complaint Division po box 27170 Washington, DC 20038 Dear Concerned Agent ( s ) : Re : Service Financial, LLC And Account Number : XXXX It would seem that Service Financial, LLC has decided to continue their poor behaviors, after making an e-payment on XX/XX/2022, in which I authorized a XXXX, even though I was paying ahead of my required payment schedule. On XX/XX/2022, the above company attempted to deprive me of my Fifth Amendment ( taking monies not due at that time and without my consent ). They, also, apparently attempted to defame me with me bank ; XXXX XXXX ( Address : XXXX XXXX, XXXX, AL XXXX, XXXX. Phone Number : XXXX XXXX ), via an attempt to gain an early account payoff ( Service Financial ACCOUNT # : XXXX, via a full pay-off attempt via wire transfer ( as I understand them ).
I have not been remiss in timely payments, as XXXXXXXX XXXX records will confirm, per the Service Financial, LLC contract ( No Acceleration Clause, Defeasance Clause, nor Due-On-Sale Clause included that I could find ), so the reason, other than shifty, predatory, and possible criminal behavior eludes my understanding for their actions that reminds one of the Dodd-Frank Laws.
XXXX pended, posted, and then rescinded the payment.
Because of this action by Service Financial, LLC, I suffered undue stress and worry ( I am a XXXX year old XXXX XXXX with the XXXX ), because I have had other outstanding payments drawn against that account, as well as incurred a `` non-sufficient funds '' fee ( likely to stay on my transactions ledger ), thus defaming my reputation ( s ), depending upon just who sees the reports and how they read them.
I went to their payment website ( https : //myloan.svcfin.com/Dashboard ) and was able to generate copies ( Print Screen as well as Letter showing completion ) of loan, on XX/XX/2022.
I maintain copies to support my statements and intend to pursue these matters further.
I, also, checked my XXXX Report on XX/XX/2022, where they no longer showed the loan, as active, either as a misreported home loan or a personal loan. Again, I have Print Screen proof.
This morning, when I checked my email, I had an XXXX Notification of my dispute being dealt with and another stating there was a dispute that was closed.
I checked and found that XXXX states that Service Financial, LLC has stated that my account was CLOSED, In Good Standing. Again, I have Print Screen proof.
Just now, after noon, I went to verify that what Service Financial, LLC purportedly told XXXX was confirmable, via my Service Financial, LLC Account online.
The questionable company has been involved in less than stellar action concerning my Account, before. I would point out the XXXX XXXX Complaint : XXXX, Ref # XXXX, concerning this business questionable antics.
I have previously, in good faith, tried to deal in a fashion, attempting to be more than fair. My overtures have been of little avail, as one should be able to see.
To resolve the problem, I would appreciate your aid in this matter, justifiable repair and recompense from Service Financial, LLC for the way that this company has worried me and attempted their recent stunts.
Enclosed are copies of records, including their Contract ( dated XXXX ), their non-mortgage statement ( dated XXXX ), their Payoff Notice ( dated XXXX at XXXXXXXX XXXX ), copies of the various XXXX XXXX XXXX, and XXXX screen captures, via the Print Screen Function, concerning Service Financial, LLCs most recent activities towards Account Number XXXX aka my financial well-being and various other non-Service Financial, LLC accounts.
I look forward to your reply and a resolution to my problem and will wait until XX/XX/2022 before seeking any other new aid with this matter. Please contact me at the above address, email, and/or by phone at XXXX XXXX XXXX XXXX
Sinc
erely, Named Sender Enclosu re ( s ) are listed within the body of this letter. Copy to be filed, electronically and by e mail.
Refer : Florida Statutes Title XXXIII, Chapter 559.72, for Prohibited Practices, Generally, Not Attached.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5634843
|
2022-06-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2022-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-21
|
| Complaint What Happened |
This is a stand-alone complaint, not directly connected to a previous complaint, as this concerns the company in question claiming to be a XXXX DEBT COLLECTOR XXXX, while not being licensed as such, per the State of Florida, Office of Financial Regulation .
On XX/XX/2022, I received a letter, dated XX/XX/2022, where the afore-mentioned Service Financial Company , LLC indicates that they are a properly and duly licensed Consumer / Business Debt Collector . I have retained proof to attach.
I just ( XXXX around noontime ) did a search for such and all licensing of Service Financial Company, LLC : NONE found via the online search, not even for any license, as best I could search.
Because of this lack of proper licensing, I feel and believe that I, an elderly XXXX Veteran, have been the attempted victim of unscrupulous and questionable actions and behaviors from this supposed FHA TITLE I lender.
I am not sure whether their letter is a threat, but it sure does feel like such, as I never authorized any XXXX submitted payment that would have been rejected due to Insufficient Funds XXXX, as that letter indicates.
At worst, I feel that by their submitting such a request for my account payoff that the company has tried to impersonate me, which I believe is against the Florida Statutes, Title XLVI, Chapter 817, in many ways or points and using such to attempt to XXXX force XXXX ( as described by many legal sites ) me in such fashion appears to be a concerted effort, not unlike XXXX organized crime XXXX, by the very definition.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4012330
|
2020-12-15
|
Struggling to pay mortgage
|
Mortgage
|
|
| Tags |
Older American
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2020-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3384161
|
2019-09-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2019-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2912886
|
2018-05-21
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-05-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My house is sold and I'm trying to get a mortgage but because XXXX is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by Service Finance Co, LLC
|
| Consumer Consent Provided |
Consent provided
|
|
|
3048766
|
2018-10-17
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-10-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
5296861
|
2022-03-05
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-03-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-08
|
| Consumer Consent Provided |
N/A
|
|
|
3684718
|
2020-06-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-05
|
| Complaint What Happened |
When I received my XXXX billing statement from Service Finance Company LLC I contacted their call center and asked for the payoff amount of my account and was told it was XXXX. I paid the full amount of XXXX through my online XXXX XXXX XXXX XXXX Account. Being that it was such a large amount the payment didnt clear until XX/XX/2020. Then in XXXX I received two statements XXXX was dated XX/XX/2020 and the other was dated XX/XX/2020 with a due date of XX/XX/2020 and a due date of XX/XX/2020 which stated total past due XXXX, total current due XXXX. On the bottom portion of both statements it stated that nothing was due. Both the statements read Principal XXXX and Interest XXXX on the far-right Column it read as follows Principal XXXX and Ending balance current Principal of {$22.00}. So, to air in the side of caution I went online again and paid the {$22.00}. Then a few weeks ago I received a letter from Service Finance stating that my account was paid in full as of XX/XX/2020. Over this past weekend XX/XX/2020 I received a notice from XXXX XXXX that my account is 30 days past due and that I have an outstanding balance of {$20.00}. I contacted the company several times but they insisted that the account was past due by 51 days. I dont understand how this could have happened and I was told by one of their employees that I would be receiving a refund check in the mail for over payment of the account. How could I be late and have a outstanding balance if I am receiving a refund from the company. I told them that I am very disappointed on how this is being handled and not only that when most companies are helping people through hardship in a time with the Covid 19 pandemic Service Finance has destroyed my good credit. My credit sore went down XXXX points I asked politely for some kind of help in this manner with the credit bureau and I was pushed aside and was told that they could not help me in this matter. I sent them a certified letter with copies of all my statements and they still wouldn't help me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3189070
|
2019-03-23
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Older American
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-03-23
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-29
|
| Consumer Consent Provided |
N/A
|
|
|
3251825
|
2019-05-23
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2019-05-23
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-23
|
| Consumer Consent Provided |
N/A
|
|
|
3159766
|
2019-02-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-01
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2796860
|
2018-01-29
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-01-29
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
3728879
|
2020-07-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Service Finance Holdings, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-14
|
| Complaint What Happened |
To whom it may concern : Over the last month or so I have been repairing my credit in order to buy a house next year. Before I started my credit score was in the 500 's. After paying off debt my credit score rose to nearly 700. Almost within days of that happening there were two inquires made two days apart from the same person. The first credit check came from a company named Service Finance Co. LLC. I received the alert from my app XXXX XXXX so I immediately followed up with the company. After speaking with a rep we both came to the conclusion that this person and I had the same first, middle and last names and the first 5 numbers of our social security numbers. The rep advised me to reach out to XXXX who then advised me to reach back out to the company that ran the credit check. After speaking to a supervisor at Service Finance Co. LLC and after that supervisor spoke with his superiors, they informed me there was nothing they can do sense all information was correct except for the address of the person needing the loan and the last four of the social. Another company named XXXX XXXX also made an inquiry for the same person the next day with all of the same information used before. After talking with this rep she informed that they have no locations in the state I live in. However the first company I mentioned has its office in the state I live in, in fact they are only a few hours away. XXXX XXXX said they would get back to me and never did. Both of the companies I am speaking of provide services for home improvements but I do not own a home and never have, I live in an apartment. Both of these companies have left me in the dark about these credit checks and are not being helpful at all and are telling me to talk to XXXX. XXXX can not assist until these companies write a letter to XXXX with my information stating there has been either an error ofrfraud. I would appreciate all the help I can get to have these two items removed from my report. I have taken further action and locked all 3 credit bureaus from providing credit checks until I remove them. Thank you
|
| Consumer Consent Provided |
Consent provided
|
|
