Complaints

This profile includes complaints for Microf LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Microf LLC

  Albany, GA 31707-3003

  
• 

  Microf LLC

  2849 Paces Ferry Rd SE Ste 625 Atlanta, GA 30339-5742

  

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:06/02/2025

  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 am writing to file a formal complaint against Microf LLC regarding a significant discrepancy in the calculation of my Early Purchase Option for Lease-Purchase Agreement No. *************. My agreement explicitly states under "6. CASH PRICE" on page 2: "The cash price of the leased property on the Agreement Date is $*********, including sales tax." This language clearly indicates that the quoted cash price of $********* is comprehensive and includes all applicable sales tax. However, upon inquiring about the Early Purchase Option, a representative of Microf LLC quoted me a buyout amount of approximately $********. This figure was presented with the assertion that the $********* cash price in the agreement was a pre-sales tax number, and an additional sales tax amount of approximately $****** needed to be added. This directly contradicts the plain language of my signed contract. As per my agreement, the "Early Purchase Option" (Section 7, page 2) allows me to acquire ownership by "tendering an amount equal to the amount by which the cash price of the leased property exceeds 50% of all lease payments made by you." I have already made lease payments totaling $********. Based on the terms of my agreement ($********* - (50% of $********)), the correct buyout amount should be approximately $********. The additional charge for sales tax, which is already included in the cash price per the contract, represents an overcharge of approximately $******. I have attempted to resolve this discrepancy directly with Microf LLC, but they continue to insist on the incorrect calculation, which adds sales tax that is already included in the stated cash price. This constitutes a clear misrepresentation of the contractual terms and an unfair business practice.

  

  Business Response

  Date: 06/04/2025

  **. ****, thank you for your feedback and for working with us directly to address your concerns. We believe that our consumer lease-purchase agreement and business practices are compliant with applicable law, and we are happy that we were able to come to a mutually agreeable resolution.

  Customer Answer

  Date: 06/12/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  ****** ****

• Initial Complaint

  Date:04/03/2025

  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.

  Leased a hvac unit and income dropped and couldn’t make payments. Would not work with me. Told them to get equipment and never came, 2018. Said they were getting equipment and never came. Am now trying to get a home repair loan through **** and they have info on the title requiring payment. Nothing in contract said they could add anything to my home title and no court filing was done. I need this removed asap for repair loan.

  

  Business Response

  Date: 04/08/2025

  **. *******, thank you for your feedback. You entered into a lease-purchase agreement with Microf in March 2017 for HVAC equipment.  In your signed agreement we disclose that we will file a UCC1 in public records to provide public notice to potential buyers that the leased property located at your residence belongs to Microf. We do not have any record of you requesting to have the leased property removed from your home but are happy to discuss your account and options available to you to obtain ownership of the leased property. Please call our office at 855-642-7631 to further discuss your account and options available to you.

• Initial Complaint

  Date:03/17/2025

  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 late for previous issues. I made a $3XX.XX payment in Feb. I called the next day and asked if I was 100% caught up they claimed I was all caught up. I get a bill again and it says Late Fee Return Check Fee nope. I didn't have any returned checks as I removed my Checking account. Let me just say all interactions with company has been acceptable no rudeness. I talked to someone yesterday Shaniqua she said she would reach back out to me that day I never received anything from them so I don't incure more late fees I paid in full the invoice today. Just unacceptable that they didn't reach back out to me yesterday.

  

  Business Response

  Date: 03/20/2025

  *** ***********, thank you for your feedback and for speaking with us on 03/19/2025. We apologize for any confusion with your billing and for not following up with you in a timely manner. We provided coaching to our agents to clarify monthly billing amount(s) including other charges owed (if applicable) going forward. If you have any additional questions, please give us a call at 855-642-7631.

• Initial Complaint

  Date:12/03/2024

  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.

  MICROF is stealing money and charging unncessary fees. They will not answer inquiries about why they continue to claim I owe money even though I have provided proof of payments. They will not provide me with the contract information or payoff information. I have been paying on this for 2 years, I have no idea how much longer I have and I am getting charged HUNDREDS of dollars for returned check fees, which is untrue. I tried to use a card several times in one day that I thought was the correct card, but wasn't and I was charged a $60.00 fee each time that card was DECLINED. I ended up paying with a different card on the SAME DAY... Also I get harassing calls and letters stating that my system will be repossessed. I am not behind on my payments and have reached out to NUMEROUS people at MICROF but NO ONE ever answers. This company is very deceitful and is fleecing Americans of their hard earned money.

  

  Business Response

  Date: 12/09/2024

  Ms. *******, thank you for your feedback, however, we dispute your claims. On 04/16/2024, we acknowledged a payment posting error related to your September 2023 payment and sent you a transaction history showing the status of your account and any fees billed to you after the missing payment had been applied. We also emailed you a transaction history on 10/03/2024, and on 12/05/2024 per your request, we emailed you a copy of your agreement, early purchase option quote, your latest billing statement, and an updated transaction history for your review. We have tried to reach you by phone and by email to discuss your account and transaction history and have been unable to reach you. Please contact us at ###-###-#### to further discuss your account.

• Initial Complaint

  Date:08/23/2024

  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.

  Microf has been contacting me about my final payment that I paid. When I log into the portal there are no open invoices for me to pay, when I review all my past invoices they all show a balance due of $0.00. I have been working with Microf to attempt to resolve the issue, however when I request an invoice I am told they can't generate an invoice? If there is a payment due then there should be an invoice to reflect that payment due. I can't pay online and have been told to call them to pay, I have no invoice to reference and the company refuses to provide an invoice. I have been paying online for 4 years without an issue and now all of a sudden I can't pay online? All records indicate a balance due of $0 and all I'm asking for is proof that there is a payment due and Microf refuses to provide that proof instead insisting that I pay over the phone.

  

  Business Response

  Date: 08/30/2024

  Mr. ********, thank you for your feedback. We researched the issue you raised in your complaint and identified the source of your concern. Our operations team is working with our software provider to resolve the issue with the invoice reflecting a status of "Closed" vs. "Open" with a balance still due and we emailed you a copy of your agreement, your transaction history, and an account statement. We also provided instructions on how to locate your final invoice and pay the amount due in our payment portal. We apologize for the inconvenience you have experienced. If you have any additional questions or would like to further discuss your account, please contact us at *************

  Customer Answer

  Date: 09/05/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:06/05/2024

  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.

  April 5th.2024 I paid $184.54 to Microf,LLC***** ***** ***** ** ** *** *** ******* ******** Over the phone and they still have not credited my account for it.when I tried to speak with a manager they hung up the phone on me.Now I am getting past due notices. My account #is ***-********* ,I ****** ******* Have tried talking to them and so has my husband **** **********. This was my April payment, since then I have sent then the may and June payments of $184.52 by bank check and they say that they haven't gotten them either! Microf is a financing company who financed my new furnace and we have been paying them for 6 years. In January they said our last payment would be in July, but now they say December! and I can't get this resolved no matter how hard I try! We even have a bank statement that shows that they pulled the money out of my husbands bank account and still they have not resolved the matter!

  

  Business Response

  Date: 06/11/2024

  Mrs. ******* and Mr. **********, thank you for your feedback. Microf's lease-to-own transaction includes monthly renewal terms with a purchase option and is not traditional financing. We received a call from you on 06/05/2024 and you were advised a member of management would return your call to discuss your account within one business day. A member of management spoke with you on 06/06/2024 and educated you on the recent payments received on your account including your April 2024 payment and sent you a transaction history on 06/07/2024 for your review. We also confirmed we have not received your mailed payments for your May and June 2024 renewal periods.
  
  We reminded you of an audit completed on your account in April 2023 that resulted in a reduced lease payment and total cost to own. This change appears to be the source of the discrepancy on your account, so we are working with our lease servicing software vendor to resolve the issue. We will continue to provide updates until your billing concern is resolved. Please contact us with any additional questions or concerns at ###-###-####.

• Initial Complaint

  Date:10/27/2023

  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 keep getting charged for payments that I have paid. When I call they say it's my banks fault.

  

  Business Response

  Date: 10/31/2023

  Mr. ******, thank you for your feedback and for taking our call on *****/2023. We are glad we were able to resolve your billing concerns. If you would like to further discuss your account or have any additional questions, please give us a call at *************

• Initial Complaint

  Date:10/02/2023

  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.

  ** **** *** * **** **** *** *** ******** *** ******* ***** ** *** ***** ** ****** **** ***** There was a bad heater which stopped in November 2022. We called ***** we paid ***** $425 assuming that was the first Month bill. ***** connect us with Microf for Finance. First invoice came on November 18, then came on November **** 2022. Although the invoice says due date December **** 2022, we paid November **** 2022. Why is there a late fee $5 on November **** 2022. And these are repeated late fee 10 times out of the last 11 months that we have been paying them. I spoke to Lachanda or Lawanda the first time. She called on September ** asking for $663. I told her that I just paid $331 on September ****. Therefore, I need to see my payments history. she said that was none of her business nor job description. I asked to speak to a supervisor. No response. I called the next and spoke to Christopher, then I later received payment history from Lawanda to discover all those fees. Are they scamming other customers hard earned money? Please investigate

  

  Business Response

  Date: 10/06/2023

  Mr. ******, thank you for your feedback. On ******2023 we spoke with you and discussed your transaction history, explained why you were billed late fees, and where to view the fee disclosures in your agreement. We also discussed your prior interactions with our employees and have coached where necessary to ensure we are providing a good customer experience. If you have any additional questions or would like to further discuss your account, please contact us at *************

  Customer Answer

  Date: 10/06/2023

  
  Complaint: ********
  
  I am rejecting this response 
  
  Sincerely,
  
  ******** ******