Complaints

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

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  Lendmark Financial Services

  2118 Usher St NW Covington, GA 30014-2434

• 

  Lendmark Financial Services

  691 N Euclid Street Anaheim, CA 92801

• 

  Lendmark Financial Services

  4905 Stockdale Hwy Bakersfield, CA 93309

• 

  Lendmark Financial Services

  2499 Forest Avenue Suite 100 Chico, CA 95928

• 

  Lendmark Financial Services

  1560 W Lacey Boulevard Suite 105 Hanford, CA 93230

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:06/03/2025

  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.

  I have an auto loan with a San Diego Branch of *************************** Officer *** ***** ******* ************************************************** ************ I used a 0% interest credit card to transfer approximately $4850 to this loan not knowing that they do not accept balance transfers from credit cards as a form of payment. That was my mistake and I understand that. However, the money has not been returned to my Discover Credit Card account even though it cleared Discover's end on May 9th. Discover is saying Lendmark should have "refused payment" but Lendmark somehow did not, and they appear to be holding the money for almost a month now. I can only guess that when this happens, Lendmark holds onto the funds to accrue interest for as long as they can on their end. I have called the above office a few times but they have been no help. I have left two voicemails with Ms. ******* with no return call.I am asking for one of the following:1. That they accept the transfer payment even though in is not their policy because they have held this money for almost a month for no reason and with no communication.2. They return the approximately $4850 plus what it would would have earned in interest, because Discover charged me a 3% fee to make the transfer.

  Business Response

  Date: 06/09/2025

  Dear ***** *****,
  
  Lendmark Financial Services, LLC (hereinafter referred to as Lendmark) is in receipt of your consumer complaint. We have had the opportunity to review the complaint and have addressed your concerns as follows.
  
  Thank you for bringing your concerns to our attention. We have reviewed your account, along with the payment initiation documents you provided to the local branch. While you did initiate a payment to Lendmark in the amount of $4854.00 through a third party (Discover Card) on May 9, 2025, the payment was not processed by ******** until June 2, 2025. We subsequently received the payment in our office on June ******, at which point it was applied to your installment loan account.
  

  Should you have any further questions, please do not hesitate to contact Lendmark Financial Services by utilizing our customer contact email address below.
  
  *****************************************************************
  
  Sincerely,
  
  Lendmark Compliance Department

  
  

• Initial Complaint

  Date:05/30/2025

  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 was approved for a $3000 loan and I accepted. I knew there was going to be interest fees, but they have almost triple the interest fees they never made that clear to me nor did I ever sign anything at least not with the payback amount because there is no way I wouldve accepted that. Is there anyway I can resolve this by just paying back what I borrowed and maybe a little interest or not at all because thats ridiculous.

  Business Response

  Date: 06/02/2025

  Dear ***** *****,
  
  Lendmark Financial Services, LLC (hereinafter referred to as Lendmark) is in receipt of your consumer complaint. We have had the opportunity to review the complaint and will address your concerns as follows.
  
  You obtained a direct consumer installment loan secured by consumer goods with Lendmark on April 10, 2025, in which $ ******** was given directly to you. As fully disclosed on the Disclosure Statement, Promissory Note, and Security Agreement, (the Loan Agreement) the original amount financed was $ ******* with an interest rate of *****% for a total of payments of $7258.56 to be repaid over 48 months in $151.22 monthly payments. All loan terms were explained to you; you reviewed and executed the loan agreement, and a copy of the loan documents were provided to you.
  
  Additionally, a precomputed installment loan account, the starting balance or the total of payments on the loan reflects both a principal and an interest component and each payment made on the loan is applied to reduce the total of payments. Further, the total amount of interest is computed at the inception of the loan and does not change, however, if paid off early interest is refunded. As of the date of this response, the payoff amount is $ ******** if paid in the next 10 days.
  
  A copy of the promissory note, payment history, and 10-day payoff notice have been mailed to you for review.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services by utilizing our customer contact email address below.
  ***************************************************************** 
  
  
  Sincerely,
  Lendmark *********************
  
  

• Initial Complaint

  Date:05/23/2025

  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.

  LENDMARK - *********** - 03/01/2023 - $0.00 I am compelled to file a serious complaint concerning the wrongful reporting of a LENDMARK account on my Equifax credit report, recorded with a zero balance as of 03/01/2023. Despite my multiple disputes, ******* has failed to furnish any credible original documentation or validation from LENDMARK verifying the existence or accuracy of this account. Per 15 U.S.C. 1681i(a)(1)(A) of the Fair Credit Reporting Act, Equifax must conduct a reasonable reinvestigation within 30 days following a dispute. Moreover, 15 U.S.C. 1681(a)(5) requires the deletion or correction of any unverifiable or inaccurate information. ******** failure to uphold these legal requirements undermines my credit integrity and has caused unwarranted damage to my financial reputation. My repeated requests for proof of the debt, including contracts and account histories, have been ignored or met with insufficient and perfunctory responses. This disregard aligns with recent CFPB findings revealing Equifaxs ongoing practice of sham investigations that violate federal consumer protection laws. The emotional and financial impact of these unjust practices is significant and unacceptable. I hereby demand the immediate removal of this unverifiable LENDMARK account from my ******* credit report unless full, original documentation proving the accounts legitimacy is supplied promptly. Failure to do so will force me to escalate this complaint to federal regulators and pursue legal actions to protect my rights.

  Business Response

  Date: 06/05/2025

  Dear **** ******* *********, 
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has completed an investigation into your dispute and can confirm your tradeline is reporting correctly with the ************************* ("CRAs"). As of the date of this letter, your account is reporting as a charge-off with no outstanding balance as this debt has been sold. Your date of last payment was in May ************************************************** September 2023. 
  
  We understand that you have requested that Lendmark remove certain information associated with the tradeline for the Lendmark loan account referenced in your complaint that was furnished to the credit reporting agencies (CRAs) by Lendmark. The Fair Credit Reporting Act requires that Lendmark accurately report information to the ****. As the information reported to the **** regarding your account was accurate, ****************** is unable to accommodate your request.
  
  Lastly, the Lendmark account referenced in your complaint was charged off in March 2024, and subsequently sold to *****************. Lendmark is no longer attempting to collect this debt. You should contact ***************** for information regarding the account. You may reach them at ************. Lendmark has mailed a copy of the fully executed loan agreement to you as well as a copy of the payment history.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below. 
   
  ***************************************************;
  
  Sincerely, 
  Lendmark Compliance Department
  
  

• Initial Complaint

  Date:05/16/2025

  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.

  Today I reviewed my credit account on Credit Karma and I seen that landmark financial. Ran my credit again today and I have a screenshot of the because I did an account with them on the 14th which was. Two days ago and I seen two transactions from yesterday and today because I did it online and it told me that I did not get approved for it so I wanted to report this to you guys because I did not authorize them to rerun my credit yesterday or today.

  Business Response

  Date: 05/28/2025

  Dear ****** *******-********,
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has completed an investigation into your credit inquiry dispute and has submitted a request to Equifax to switch the hard inquiry on May 16, 2025 to a soft inquiry. Please note, that a credit inquiry cannot be deleted, however, a soft inquiry is only visible to you and does not impact your credit score. The **** are separate entities from Lendmark and Lendmark does not control the amount of time it may take for them to process this request.  If 30 days has passed since you received this letter and your credit report does not reflect this change, we ask that you contact us in writing at the address provided below in order to investigate.
  Based on the information available to us, the credit inquiry that Lendmark initiated on May 15, 2025, was proper. If you believe you are a victim of identity theft, please provide 1) A certified copy of the police report or a completed signed copy of the ************************ (***) identity theft report, with Lendmark Financial Services listed and 2) a copy of the customer's government issued identification document such as a driver's license or state issued ID. Once the documents above are completed and received, please mail a copy to ***************************************
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below.
  
  **********************************************
  
  Sincerely,
  Lendmark *********************

• Initial Complaint

  Date:05/08/2025

  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 am not liable for this debt with Lendmark Financial . I do not have a contract with Lendmark Financial Services, they did not provide me with the original contract as i requested

  Business Response

  Date: 05/20/2025

  Dear ******** *****, 
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has mailed a copy of the fully executed loan agreement to you as well as a copy of the payment history as Lendmark still has ownership of this debt as of the date of this response. Additionally, we understand that you have requested that Lendmark remove certain information associated with the tradeline for the Lendmark loan account referenced in your complaint that was furnished to the credit reporting agencies (CRAs) by Lendmark. The Fair Credit Reporting Act requires that Lendmark accurately report information to the ****. As the information reported to the **** regarding your account was accurate, ****************** is unable to accommodate your request.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below. 
   
  ***************************************************;
  
  Sincerely, 
  Lendmark Compliance Department
  
  

• Initial Complaint

  Date:05/03/2025

  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.

  I had took out a loan in December of 2024 and during the process got some insurance add ons, one was involuntary unemployment coverage which if I lost my job it would make a few payments to help my until I got back on my feet. In January 2025, I lost my job due to the company downsizing and relocating. I made my January payment and February payment upfront. I asked on multiple occasions for the paper work to use the involuntary unemployment insurance and kept getting the run around. Long story short, I got two months behind on payments I told the local branch when I could pay it and also once again asked for the unemployment insurance papers and never got them. Two weeks later I was locked out of my account and couldnt make a payment to get caught up. When to the local branch and they told me they couldnt accept the payments, and I would be getting a letter in the mail. The following week I got served papers where landmark was during me for defaulting on the loan.

  Business Response

  Date: 05/07/2025

  Dear **** ******,
  
  Lendmark Financial Services, LLC (hereinafter referred to as Lendmark) is in receipt of your consumer complaint. We have had the opportunity to review the complaint and will address your concerns as follows.
  
  Thank you for bringing your concerns to our attention, this matter has been addressed internally with the Branch Manager and AVP of the branch.
  
  Please reach out to ***************************, Branch Manager *************) of the ******, ** branch to discuss initiating an involuntary unemployment insurance (IUI) claim for the period you were unemployed as well as available payment options to bring your account current as soon as possible. It is imperative that you keep an open line of communication with the local branch regarding your installment loan account.
  

  We trust this resolves the inquiry brought forth.
  
  Sincerely,
  

  Lendmark Financial Services
  

  
  

• Initial Complaint

  Date:05/02/2025

  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.

  Re: Dispute of Account Number ********* Fraudulent Activity Dear *********** am writing to dispute the account listed under the reference number above on my credit report. This account was opened without my authorization, and I have no recollection of applying for or agreeing to any terms with LENDMARK. As a result, I believe it constitutes fraudulent *********** accordance with 15 USC 1692g (Validation of Debts), I am requesting that you provide verification of this debt or a copy of the judgment within 30 days of this notice. To date, I have not received any signed documentation or contract that proves I consented to this account. Without a valid, signed agreement, there is no legal basis for this account to be associated with my name.Since I believe this account was fraudulently established, I request its immediate removal from my credit report and ask that all collection activities related to this account cease. If you are unable to provide the necessary documentation within the 30-day period, you are required by law to remove the account from my credit file and stop any further collection attempts.Please confirm receipt of this letter, and inform me of the next steps to resolve this issue.

  Business Response

  Date: 05/13/2025

  Dear Princess ******, 
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has enclosed a copy of the fully executed loan agreement for you as well as a copy of the payment history. However, the Lendmark account referenced in your complaint was charged off in July 2023 and subsequently sold to *****************. Lendmark is no longer attempting to collect this debt. You should contact ***************** for information regarding the account. You may reach them at ************. 
  
  Additionally, we received your Cease-and-Desist request, please be advised your account has been updated and you will no longer receive calls from Lendmark Financial Services. You will continue to receive legally required notices.
  
  Furthermore, if you believe you are a victim of identity theft, Lendmark asks that you please provide: 1) a certified copy of the police report or a completed signed copy of the ************************ (***) identity theft report, with the account number listed and 2) A copy of the customer's government issued identification document such as a driver's license or state issued ID.  Once all documents above are completed and collected, please mail a copy of each to Attn: Loan **************** ***************************************
  
  Lastly, we understand that you have requested that Lendmark remove certain information associated with the tradeline for the Lendmark loan account referenced in your complaint that was furnished to the credit reporting agencies (CRAs) by Lendmark. The Fair Credit Reporting Act requires that Lendmark accurately report information to the ****. As the information reported to the **** regarding your account was accurate, ****************** is unable to accommodate your request.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below. 
   
  ***************************************************;
  
  Sincerely, 
  Lendmark Compliance Department
  
  

• Initial Complaint

  Date:04/21/2025

  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 had a loan with Lendmark in ********, ** that I tried to settlement with them myself. We could not come to a resolution so the loan went to a 3rd party. When the 3rd part contacted me we made a settlement agreement with Lendmark. On Fe. 14, 2024 I made my last payment on the settlement agreement. On Feb. 28, I went to the office of Lendmark in ********, ** because there was still $143 showing on my credit report. They said the settlement was not completely paid off which it had. so I called the 3rd party and found out they had not sent the necessary paperwork to Lendmark in ********, ** to show the settlement was completely paid off. So I went back to the Lendmark office in ********, ** and finally the 3rd party sent the necessary paperwork to Lendmark. There is still showing the $143 owed to Lendmark on my credit report. When I called them to ask about it I was told "Oh, there was a gliche in the system." As of this date there is still the$143 showing on my credit report from Lendmark. I would like LENDMARK to FINISH this process!!!!!!!!!!!!

  Business Response

  Date: 05/05/2025

  Dear ****** ****, 
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has completed an investigation into your dispute and submitted a request to each of the three credit reporting agencies ("****") to which we report to, to update your tradeline associated with the above-referenced loan account. The tradeline will be updated to reflect the account as Paid, with no outstanding balance and a date closed in January 2025. As there was a settlement, the tradeline will still have the special comment code "Paid in full for less than full balance". 
  
  Please note that the **** are separate entities from Lendmark and Lendmark does not control the amount of time it may take for the **** to process this request.  If 30 days have passed since you received this letter and your credit report does not reflect this change, we ask that you contact us in writing at the address provided below in order to investigate.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below. 
   
  ***************************************************;
  
  Sincerely, 
  Lendmark Compliance Department
  
  

• Initial Complaint

  Date:04/16/2025

  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.

  I had a agreement to a payoff of my loan the man gave me a number and said he would send out my title to my truck they where using for the loan when I said ok to the number they told me to finish my loan they got rid of the guy who started it and won't honor what I was told now I'm being harassed n called names from this company that I was loyal to for many yrs I just ran into some problems that they say they don't care

  Business Response

  Date: 05/01/2025

  Dear **** ******,
  
  Lendmark Financial Services, LLC (hereinafter referred to as Lendmark) is in receipt of your consumer complaint. We have had the opportunity to review the complaint and address your concerns as follows.
  
  We have reviewed your account and found no record of a previous $2,000 settlement offer.However, on March 6, 2025, we did extend a settlement offer of $3,039.12, which we are still willing to accept at this time.
  
  If you are currently experiencing financial hardship, were open to exploring alternative options with you. To do so, we kindly ask that you provide updated financial documentation to your local branch for further review.
  
  We trust that this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services by utilizing our customer contact email address below.
  *****************************************************************
  
  Sincerely,
  Lendmark Compliance Department
  

• Initial Complaint

  Date:04/14/2025

  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 paid off my loan with Lendmark Financial in full back in 2020. However, the account is still being reported on my credit report. I am requesting that Lendmark update the account to reflect that it was paid in full and ensure that it is not negatively impacting my credit score. I have made multiple attempts to resolve this, but the issue remains. I am seeking assistance in having this matter corrected promptly.

  Business Response

  Date: 04/23/2025

  
  Dear **** *****, 
  
  Thank you for bringing this matter to our attention. Lendmark had the opportunity to review the complaint and will address each of your concerns as follows.
  
  Lendmark has completed an investigation into your dispute and can confirm your tradelines are reporting correctly with the ************************* ("***s"). As of the date of this letter, your account is reporting as paid with no outstanding balance. Your date of last payment was in August 2020 and there were delinquent payments in May 2020 of 180+ days past due, April 2020 of 150+ days past due, March 2020 of 120 days+ past due, February 2020 of 90+ days past due, December 2019 of 60+ days past due and November 2019 of 30+ days past due. Lendmark reports tradelines to the **** for the required 7 years from the date of last activity or date of first delinquency, whichever is older.  After that date, it is the responsibility of the *** to delete your tradeline.
  
  We understand that you have requested that Lendmark remove certain information associated with the tradeline for the Lendmark loan account referenced in your complaint that was furnished to the credit reporting agencies (***s) by Lendmark. The Fair Credit Reporting Act requires that Lendmark accurately report information to the ****. As the information reported to the **** regarding your account was accurate, ****************** is unable to accommodate your request.
  
  We trust this resolves the complaint brought forth. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services. You can do so by utilizing our customer contact portal accessing the link below. 
   
  ***************************************************;
  
  Sincerely, 
  Lendmark Compliance Department