Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:10/08/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with Autonation Finance formally CIG Financial. I no longer have a contract with Autonation Financial formally CIG Financial. They did not provide me with the original contract as I requested

  

  Business Response

  Date: 10/22/2024

  The response is enclosed. 

• Initial Complaint

  Date:04/03/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I just received a call from cig financial representative threaten that they will report my late payment as a late payment charge to the credit bureau (he stated that I'm 9 days past due)Are they lawfully can report a 9 days late payment as 'late payment to bureau?Thanks for your attention

  

  Business Response

  Date: 04/07/2023

  Consumers complaint is questioning how we report late payments to the three major credit bureaus. CIG Financial reports at the end of the month for that months activities. If an account is over 30 days delinquent, it will be reported. Our representatives do make phone calls to remind our customers when a payment is overdue and inform our customers of the potential risks when a payment is not made in time. CIG Financial apologizes if the information was not communicated correctly to consumer..

  Customer Answer

  Date: 04/07/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *******************
  
   
  

• Initial Complaint

  Date:01/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After being told many times since October ************************************************** help they resume to charge my account after being told no. They contacted me on the phone and by text message and both times have been told no I do not want their service and not to charge my card. They resumed to do what they wanted and did it anyway. They were told I was on Social Security and could not afford this after being told how much it was several times. They were rude several times on the phone and when I called to tell them to refund my money they told me too bad that they already did the work and that they were getting paid for it no matter how I felt about it. My husband and I recorded the conversation and they hung up on me when they were told that the conversation was being recorded. All I asked for was my card to be refunded the money that they charged it when I told them at the very beginning in October that I could not afford their services and they resumed to go ahead and do it anyway.

  

  Business Response

  Date: 01/04/2023

  ************** claims that CIG Financial provided unwanted service and charged her for it. CIG Financial finances automobiles purchased from dealerships and services the accounts. We do not show ************** as one of our customers. CIG Financial believes that this complaint may have been directed at the wrong company.

• Initial Complaint

  Date:12/20/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They have my information but still yet called someone else who is not on my contract or even a contact person and left personal business about my account on their voicemail.

  

  Business Response

  Date: 12/20/2022

  Consumer states that CIG Financial called a reference that is not listed on her contact information instead of calling consumer. CIG Financial has done its due diligence in reviewing this account and finds that the last time we spoke to consumer was on 10/31/22.
  In an effort to help remind consumer of their payments that is past due and/or to set up payment arrangements; we have made multiple phone calls to consumer, as well as sending texts and emails. However, our attempts were unsuccessful to communicate with consumer. On December 19, 2022, we called 3 references that consumer had provided to us at time of credit application. We left messages for the three contacts called; however, we did not reference any of consumers personal information or information regarding consumers account in these messages.
  We understand that consumer may not want their references to be contacted. Therefore, we have made a note in our system to not contact consumers references in the future.

  Customer Answer

  Date: 12/20/2022

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  Date:12/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Yesterday I called to apply for a home loan and used my bank card to pay the $20 fee. I gave them quite a bit of personal info regarding income. They kept pushing me to pay another fee of $185 and I said I was not comfortable and then knew something wasnt right. I hung up the phone and told the company i wanted to cancel my membership. The next day today Dec 8. They withdrew from an arm in another state $185 out of a seperate venmo account. The card I paid the $20 fee with was associated with that account and they somehow got a hold of my information because they never took my card. I still have my Venmo card but they were able to take money out of an ATM in another state out of it. I want to report fraud for this company!! I am also scared. They are going to take more of my money because of the information I had given them.

  

  Business Response

  Date: 12/14/2022

  Consumer claims that she used a bank card to apply for a home loan and subsequently money was taken out of her account. CIG Financial does not fund or approve home loans. CIG Financial finances automobiles purchased from dealerships in addition to servicing only auto loans. We also do not show consumer to be one of our customers. CIG Financial feels that this complaint may have been directed at the wrong company.

• Initial Complaint

  Date:11/27/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was told this company CIG was a company that would help me get a home on a option to buy. Or a lease option to buy. I found out it just helps you get your credit cleaned up. I don't need that I have a good to very good credit score. I need help getting a home. This way to expensive . ****** a month for 5 months. I need this cancelled immediately. I was scammed and lied too. Please call at ************. Sincerely ********************************

  

  Business Response

  Date: 11/29/2022

  ********************** claims that he was told that CIG Financial can help him get a home, and also claims that CIG Financial is a credit clean up company. CIG Financial is neither of these claims. CIG Financial finances automobiles purchased from dealerships. In addition, we do not show ********************* to be one of our customers. CIG Financial feels that this complaint may have been directed at the wrong company.

• Initial Complaint

  Date:10/20/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 9/22 I made a payment to CIG iao ****** and the payment was only applied as interest only as well as my payment on 8/12 iao ****** and the agents and managers keep hanging up in my face. My payments are being applied wrong and NOTHING is going to my principle after I requested a due date change in June on the 20th. They are saying its because of my DSI loan but even if I made late payment before the deferral and due date change I would be able to see what was being applied to principle and what was being applied to interest now its nothing going to my principle at all

  

  Business Response

  Date: 10/25/2022

  Consumer is accurate that the last three payments made, were applied towards interest and not her principal. Daily Simple Interest loans works by accruing interests, from payment to payment. When payments are made on time, depending on the interest rate, a portion goes towards interest, and the other portion of payment reduces the principal balance. As shown on consumers payment history that consumer provided, consumer made a payment on 4/15/22, but did not make another payment until 6/30/22. That is 76 days worth of unpaid interest. Therefore, payment made on 6/30/22, is catching up on 76 days of unpaid interest. Consumer, thereafter, did not make another payment until 8/12/22. That is 43 days worth of unpaid interest. This is the reason why consumers last three payments were applied to interest only and not towards principal.