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

  4871 Montgomery Highway Suite 10A Dothan, AL 36303

• 

  Lendmark Financial Services LLC

  6653 Atlanta Highway Montgomery, AL 36117

• 

  Lendmark Financial Services

  1963-B Cobbs Ford Road Prattville, AL 36066

• 

  Lendmark Financial Services

  2600 McFarland Blvd. East Unit 14 Suite K-2 Tuscaloosa, AL 35404

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:06/29/2024

  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.

  The harassment the do everyday. They call all day long calling my job and my family. I give them what I can on my long but the still call an harass me. They try to make me set up payments when I give them a date on when I can make a payment. I may not make the fulling payment but I do put something on it. They ask why I can't make payments an give the an answer of money changed due to financial problems with my father falling sick and needing help. I talk to several people an day and they suppose to make notes on the account that we have talked but they still call. I work 10 hour a day an they start calling at 8 in the morning an do not stop til they close and get made when I tell them no I'm working g an can't talk.

  Business Response

  Date: 07/03/2024

  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 the customers concerns as follows.
  
  We have reviewed the calls placed on your account and can verify they were made within Lendmarks policy. The calls were being made to contact you bring your installment account current. If you are experiencing financial hardship, we always encourage you to contact the ******,** branch for payment options available to assist with bringing your account current as soon as possible.
  

  As of July 1, 2024, all telephone numbers associated with your account have been restricted including your employer and personal references, so that they are no longer contacted.
  

  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,
  

  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/27/2024

  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.

  I am making a very disturbing complaint specifically against the Lendmark in *****************. When I returned a missed phone call to them I spoke to ***. He advised me I was half a payment late but confused as to how when I was told by another employee there way back in February 2024 when I made 3 months worth of payments that I was good till June. That was before I also made 3 more payments. I was confused on how I could possibly be a half payment late. I advised him what **** had told us back in February and asked him to call me. When **** called me he was extremely rude me to me and put me down. When I asked him why he said that to me back in February he began to yell at me and then hung up. I was so traumatized from it I didn't know what to do and being someone that already is legally disabled from mental health issues it really did a lot to me. My fiance advised me to call the main corporate office to make a complaint. I did make a complaint and got a complaint number and also fixed my online account so I wouldn't have to speak to **** again. I feel something should be done about this issue with **** as he as got violent with me before over the phone a year prior but I didn't do anything about that incident. I feel he has a very aggressive anger issue and being in customer service speaking to customers like that will never have them coming back. Definitely over something as little as a misunderstanding about less then a half missed payment. I did get my online account fixed when the very generous employee from corporate fixed it for me and was able to make that half of a missed payment.

  Business Response

  Date: 07/03/2024

  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 the customers 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.
  

  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,
  

  *************************
  Chief Risk Officer

  Customer Answer

  Date: 07/03/2024

   
  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 as long as they are actually trying to do something about the incident and I feel further action should be taken as it comes to the employee ****. I already made a complaint with corporate and was supposed to be called by head of the branch but never received a call to handle the situation. 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:06/26/2024

  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.

  ************ is 100% disabled due to hearing and has suffered a series of ischemic strokes from Jan 2023 resulting in apraxia and aphasia. As his POA, I have assumed his business matters. On 5/30/24 , I went to Lendmark Financial to pay off the amount shown on the statement $8234.71 before the due date. When I arrived, they cited an additional $1219.54 due, which I paid totaling $9454.25 and requested copies of all documents associated with the account and the paid in full statement. They denied the request even though I produced a POA. I filed a complaint on the corporate number and was told they had to validate my POA and in 10 to 14 days, I could get the documents. On,6/12/24 ,I arrived and repeated my request. After showing my ID and reminding them that they had copied my POA, a representative produced copies of the account documents. After, I looked for the signature sheet and the consent to **signature file form, she begins to explain how everything is done electronically behind a screen on a computer and how many ways they sent forms to him on his phone. Her statement, "We thought that he was capable" indicates that they knew something was not right about my husband's demeanor. My 73 yr old husband has never been capable of manipulating technology. Prior to the strokes he could only answer a cell phone. So going behind a screen, completing forms on a computer and understanding as well as giving consent to the **signature process is impossible. The documents they produced do not have any natural signature as I understand is a federal requirement. The signature shown on the document I sent is not how he signs his name and has never been his signature. He does not have the ability to understand and manipulate technology to complete forms. So who completed the promissory note and security agreement. for this transaction? Why isn't there a natural signature sheet showing that he gave consent? This financial agreement should have never been established.

  Business Response

  Date: 07/12/2024

  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 the customers concerns as follows.
  
  ************ has been a customer of ****************** since March 2022 and has had four loan accounts with us since this time. ************** most recent loan was opened on September 26, 2023; he was physically present in our *********, ** branch for the entirety of the loan transaction and was provided with a copy of the executed loan documents.   ************ has made on-time payments on all previous accounts and only fell behind on the current account that was paid off on May 29, 2024.
  
  When documents are executed using an electronic signature, they are emailed to the customers verified email address and ****************** has been confirmed as ************** email address on file at the time of all loan closings.  Further, e-signatures can be drawn or generically populated by the signatory.
  
  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,
  

  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/25/2024

  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.

  I am seeking to file a formal complaint with Lendmatk Financial regarding a loan I obtained in 2016 for $8,000. Despite having repaid over $17,000, my balance remains unchanged. I have decided to cease making payments, and the company has resorted to calling my workplace, my phone, and has negatively reported the loan on my credit report. Considering I have repaid over 100% of the initial loan, I find their persistent demands for payment to be unreasonable and request your assistance in resolving this matter.

  Business Response

  Date: 06/28/2024

  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 the customers concerns as follows.
  
  You entered an interest-bearing installment loan secured by consumer goods with Lendmark on September 30, 2016. As fully disclosed on the Disclosure Statement, Promissory Note, and Security Agreement, (the Loan Agreement) the original amount financed of $8,399.18,interest rate of *****%, a total payment of $14,859.60 to be repaid over 60 months in $ ****** monthly payments. You have made 71 payments on this account in which 55 were accessed a late fee.
  
  The interest for this loan is calculated using the daily simple interest rate. Accordingly, interest accrues daily on the unpaid portion of the principal balance. All payments made on the account were applied in accordance with the terms of the loan agreement, which states each payment you make on this loan will be applied first to late charges (when applicable), then to interest that is due, then to principal that is due and then to any other charges due hereunder.
  
  Additionally, as of June 28, 2024, your account has been restricted and you will no longer receive calls from Lendmark.
  
  A copy of your payment history has been mailed to you for review.
  
  We believe this addresses the concerns raised. Should you have any further questions, please do not hesitate to contact Lendmark Financial Services by utilizing our customer contact email address below.
  ***************************************  
  
  Sincerely,
  
  *************************
  Chief Risk Officer
  
  
  
  

• Initial Complaint

  Date:06/25/2024

  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.

  Subject: Concerns ************************** and Request for Loan Settlement Assistance I have been making attempts to pay, and last month, I even paid $1,000 towards the loan, but it doesn't seem to decrease. I am trying to negotiate a settlement amount and would greatly appreciate your assistance with this matter.I have been making monthly payments, but the balance does not reduce. I have been trying for the past year to come to a settlement amount, but they are refusing to do so. I offered to pay $5,000, but they are not willing to work with me and just want to proceed with legal actions, even though I am making an effort to settle the amount.Could you please assist me with this matter? I truly appreciate your response.Account #*********

  Business Response

  Date: 07/02/2024

  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 the customers concerns as follows.
  
  We have reviewed your account and have determined that based on Lendmarks policy the Branch Managers decision to decline the offer of settlement was appropriate. Should your financial situation change, and you experience an immediate hardship please reach out to your local branch.
  
  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,
  

  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/25/2024

  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.

  They are harassing me over a loan that was in my mom's name and she have passed away. They have the death certificate yet harassing me to speak to her.

  Business Response

  Date: 07/12/2024

  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 the customers concerns as follows.
  We have reviewed the calls placed on your account and can verify they were made within Lendmarks policy. The calls were being made to contact you to bring your installment account current. We can confirm as of June 26, 2024 all telephone numbers associated with your account have been deleted from our system.
  

  Further, after thoroughly reviewing the installment loan account it was deemed appropriate to write off the remaining balance of the account.
  

  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,
  

  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/24/2024

  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.

  Dear Better Business Bureau,I am writing to file a formal complaint against Lendmark Financial Services due to an unauthorized account that has appeared on my credit report. Despite my attempts to resolve this directly with Lendmark Financial Services, the account remains listed, adversely affecting my credit.Here are the details of the unauthorized account:Creditor Name: Lendmark Financial Services Account Opening Date: 12/29/2022 Account Number: ********** High Credit Amount: $3,453.00 I have never initiated or authorized any account with **********************. The presence of this account on my credit report is detrimentally impacting my credit score and overall financial reputation. I have contacted Lendmark Financial Services to dispute this account and have provided all necessary documentation to affirm that this account is fraudulent. Despite my efforts, the account has not been removed from my credit report.I kindly request the assistance of the Better Business Bureau to investigate this matter and help remove this unauthorized account from my credit report. It is imperative for Lendmark Financial Services to correct this error swiftly and ensure no further unauthorized accounts are reported in my name.Thank you for your support in resolving this urgent issue.

  Business Response

  Date: 06/28/2024

  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.
  If you believe you are a victim of identity theft, Lendmark asks that you please provide: 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 *************************** ********************************************
  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 ***********************************************
  Sincerely,
  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/21/2024

  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.

  NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you of the identity theft that has resulted in fraudulent accounts being reported in my name. Under 15 U.S.C. 1681c-2, I demand an immediate block of this erroneous information from my credit report.Pursuant to 15 U.S.C. 1681c-2, you are required to:Block the reporting of any information related to the fraudulent accounts identified as a result of identity theft.Do this promptly, so that these fraudulent accounts no longer appear on my credit report.Ensure that the blocked information is not reported to other credit reporting agencies.Additionally, under 15 U.S.C. 1692g, I am exercising my right to request proper debt validation. You are required to provide the following within 30 days:Verification of the amount of the debt.The name of the original creditor.A copy of the judgment (if applicable).Proof that you are legally authorized to collect this debt.Copies of any documents that prove I agreed to pay what you claim I owe.Failure to comply with these legal obligations will leave me no choice but to hold you civilly liable under 15 U.S.C. 1692k for defamation of character. The continued reporting of these fraudulent accounts and the lack of proper debt validation are damaging my creditworthiness and reputation.Please be advised that I expect a prompt and thorough response. If these accounts are not removed and the required validation is not provided within the stipulated time frame, I will pursue all legal remedies available to **** look forward to your immediate action to resolve this matter.

  Business Response

  Date: 06/27/2024

  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.
  On November 18, 2021, you entered into a loan agreement with Lendmark Financial Services. Your original balance was $4,766.47, which was financed for a term of 48 months, with a first odd payment of $254.35 due starting on January 2, 2022, and payments of $188.58 monthly thereafter.
  Lendmark has mailed a copy of the Disclosure Statement, Promissory Note and Security Agreement ("Contract") with the customer's signature, along with a copy of the customer's payment history to provide the ledger of account payment activity, to the customer's address on file to provide proof of debt.
  Additionally,the Lendmark account referenced in your complaint was charged off on April 26,2023, 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 **************.
  Lastly,if you believe you are a victim of identity theft, Lendmark asks that you please provide: 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 ********************************************
  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 ***********************************************
  
  Sincerely,
  *************************
  Chief Risk Officer

• Initial Complaint

  Date:06/21/2024

  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.

  I would like to get my credit report issues resolved due to I checked my credit report last year and called the corporate office due to ******* husband had a joint loans with Lendmark that has moved to different locations due to store closure but the accounts remained open on both credit reports instead of showing paid off.. When checking my credit again this year I thought by now it would have been resolved but it still shows we have all those accounts still open. There should only be one account open with ********************** and not 3 to 4 accounts.(accct #****, 1004 & 0800 are showing open). When I log into the Lendmark portal my account # is last 4 #****. This really needs to be updated due to Im in the process of buying a home and the lenders have added all these extra accounts to my debt to income and they are paid off.

  Business Response

  Date: 06/26/2024

  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.
  Lendmark has completed an investigation into your dispute and can confirm your tradelines,associated with the Lendmark loan accounts referenced in your complaint, have already been deleted by the credit reporting agencies, Transunion and Experian.
  
  Additionally,Lendmark has submitted a request to the credit reporting agency, Equifax, to delete the tradelines associated with account numbers ********** and ***************** note that the CRAs are separate entities from Lendmark and Lendmark does not control the amount of time it may take for the CRAs 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 by utilizing our customer contact email address. ***************************************
  Sincerely,
  *************************
  Chief Risk Officer

  Customer Answer

  Date: 06/28/2024

   
  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:06/18/2024

  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.

  I ordered a food service through Fresh Farms employee (*************************) and signed a financing contract with Lendmark to finance the the food plan and a freezer that came with the contracted deal. On 5/23/2024, I called the Lendmark ******* location inquired about a 10-day payoff for the freezer account, as it accrues about 25% interest and the food service has no interest. I was told the 10-day payoff amount for the freezer was $1340.68. I emphasized that I wanted to pay off the freezer and was told that was the correct amount for the correct account. On 5/30/2024, I called back the location to request assistance paying off the account as online was difficult to navigate. Again, the representative (a male) and I confirmed that the amount was $1340.68 would be paying off the freezer account. I paid with my debit card over the phone and was told a receipt would be sent to my email. I received the receipt via mail on 6/15/2024 (post marked 6/13/2024).On 6/12/2024, I called back and to verify the correct account was paid off because the amount did not seem right. The representative confirmed that it was the correct amount and correct account. I called one more time on 6/13/2024, and after some pushing back, the representative finally admitted that they did pay off the wrong account but were not going to fix their mistake. I was instructed to call ****** from Fresh Farms to see about correcting the issue. I called ****** and he promised to call back but never did.I was given the wrong information three different times by two different people. I relied on the Lendmark Dundalk staff to assist me and now I am forced to pay on a loan accruing interest that was supposed to be paid off. It seems strange to me that they constantly confirmed the payoff was for the interest bearing account, but I had to point out the error. This situation seems fraudulent and intentional by how they will not fix their mistake nor will call me back. This error needs to be corrected.

  Business Response

  Date: 06/28/2024

  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 the customers 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 contact *********************, AVP *************) of the *******, MD branch as soon as possible to discuss this further.
  

  Sincerely,
  

  *************************
  Chief Risk Officer

  Customer Answer

  Date: 07/05/2024

   
  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,
  
  ***********************