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Business Profile

Consumer Finance Companies

Lendmark Financial Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

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

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Lendmark Financial Services has 470 locations, listed below.

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    Customer Complaints Summary

    • 280 total complaints in the last 3 years.
    • 106 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/13/2024

      Type:Product Issues
      Status:
      Answered
      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 made a payment last Month February 26th and they keep harassing about the payment I've believe they lying to me

      Business Response

      Date: 03/14/2024

      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.
      Thank you for bringing your concerns to our attention.After reviewing your account, it appears you mailed a payment to the lockbox without including the payment remittance slip which delayed the posting of your payment, it is now posted. To ensure the timely posting of future payments please be sure to include the payment remittance slip when mailing in a payment.

      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:03/12/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 disputing late payment with Lendmark and Transunion 1 30 day late payment I have yet to see documentation of validation as requested, I have yet to see written consent to furnish anything on my consumer report. Everything disputed whether maximum accuracy comes back valid when some months have no data and this one account is only reporting to Transunion. I asked do documentation showing it was sent out 21 days before due date just comes back valid. I asked transunion for method of validation they said they verified with Lendmark dont have to provide me information and that I need to provide information of late payment Im like how could I provide when I have Never been late and the alleged accusation has been on me. I said i am supposed to get maximum accuracy as much as possible and with some months reporting no data I said is that accurate they said no but nothing they can do only lendmark. I said no consent is identity theft i filed ftc and police report as well as cfpb Along with stating no permissible purpose I was told be transunion nothing can be done and its up to Lendmark. I said I know my rights 15 usc 1681 and I am being violated I demanded and requested the blocking and removal of negative information and ur duty of A furnisher and they told me no. Lendmark has not responded to me At all just responds valid every time. I provided metro 2 letter for compliance and all still nothing please help me get this account from to paid as agreed never late or deleted for incompleteness and inaccurate information being reported thank you because i am getting nowhere but nasty feedback from Transunion and they said they cant do anything about negative account reporting its not their job.

      Business Response

      Date: 03/25/2024

      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 customer's concerns as follows.
      ********************** has received several indirect credit disputes submitted from the credit reporting agencies initiated by you and has previously responded to the initiating agency with updated information,if any, within the required timeframe for response. Lendmark Financial Services has again completed an investigation into your tradeline reporting with the credit reporting agencies and can confirm your tradeline is reporting accurately.
      Additionally, at the point of sale,you were provided with a credit disclosure in addition to the application, loan agreement, and privacy policy. The credit disclosure outlines Lendmarks intentions as it relates to credit reporting: Fair Credit Reporting Act Notice: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
      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 CRAs. As the information reported to the CRAs 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 by utilizing our customer contact email ***********************************************

      Sincerely,
      *************************                 

    • Initial Complaint

      Date:03/08/2024

      Type:Product Issues
      Status:
      Resolved
      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 refuses to remove me from their emailing list. I contacted them directly and asked to be removed from their emailing list and have also used the unsubcribe feature on the emails to unsubcribe from ALL emails. The branch manager at ****** ** is extremely predatory.

      Business Response

      Date: 03/12/2024

      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.

      As of February 28,2024, you have been removed from all Lendmark solicitations. Please allow at least 30 days for all solicitations to cease.

      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: 03/13/2024

       
      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:03/05/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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 locations in ******** and ******, ** have a bad practice of making harassing calls in regards to my delinquent account. Calls back to back at 5:30pm, 7:12pm and 7:13pm. No voicemails left for the two 7pm calls. When I called the back the next day, ***** refused to announce the name of the business and pretended she didnt know who I was on the phone. Without me even announcing my name, she called me by name and yelled for me to pay my bill. When I questioned about the repetitive phone calls ***** yelled I owe them money, not the other way around then hung up the phone in my face. This is not the first time they have harassed me about my account but the most recent. I voiced these concerns to ********* at the ****** location but she advise ***** does not work for her.

      Business Response

      Date: 03/12/2024

      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 to 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.

      Additionally,you have requested no further contact be made by telephone, at which time we restricted telephone numbers associated with your account to no longer be used as a means of contact.
      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: 03/13/2024

       
      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:02/29/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      We purchased a car 3/17/23, our loan is with Lendmark Financial. At time of purchase we had a current loan with them having a balance of $1,130. Lendmark closed our old account and added that balance to the new loan. When purchasing the car they cut the check to the car dealer for $6,500. That should have put our starting loan balance at $7,630, but on the paperwork it shows our loan starts at $7,940. For some reason which we werent told at the time they also added $299 for life insurance as well as $759 for accident & health insurance, we are unsure why this was added as we didnt ask for it to be. They also charged us a fee of $434 for credit investigation, seeing as we had a loan with them prior to starting this one I dont see why that charge was added. After all those fees that put our starting balance at $8688, roughly $2000 dollars more than it should be. Also with the new loan they increased our interest rate by over 10%. We would like to have this resolved either by having them close the loan and consider it paid or by taking a $4000 pay off amount. We have never missed a payment and we feel we have been done wrong by this company and something needs to be done so they dont continue charging other customers unnecessary charges.

      Business Response

      Date: 03/08/2024

      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.

      On March 17, 2023, you refinanced your installment loan with Lendmark secured by a 2008 ****** Titan into a new loan. 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 32.87%to be repaid in 50 monthly payments of $343.37 which was reviewed and executed by you. Included in the loan documents was the Insurance Notice to Loan Applicant where you voluntarily elected to purchase the optional credit life insurance and accident & health insurance.

      Itemized finance charges include:
      $1,130.00 (Prior account payoff)
      $ ******** (paid to ******* Auto Dealer on your behalf)
      $ ****** ***********************
      $ ****** (Accident & Health)

      Total amount financed $********.


      The $434.34 prepaid finance charge is a loan origination fee charged on all loans made by Lendmark. A copy of your loan agreement and Insurance Notice to Applicant has been mailed to you for review. If you would like to cancel the voluntary insurance, please call ************ as soon as possible to submit the request.


      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:02/22/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      My car was stolen in October October 24. I believe I called the branch they just kept asking for payment. I lost my job. I lost my hours at my job so wasnt able to keep up with the payments but I had reported the incident prior to that they never once offered to give me like a month off of payments are Filed a report for me with insurance they offered me that cost me an extra thousand something to cover the value of the car just incase something happened to it all they want is money. They dont care when you lose your car. They dont care about the extra insurance that she took it. They dont care about the extra thousands of dollars if you have them to cover the expense of an accident they did not want me to their insurance process or anything. I gave the police report cards in the impound and now its popping up on my car to park as a default. An auto loan is a title loan thats some BS.

      Business Response

      Date: 02/27/2024

      Dear Filmon Habteyesus,

      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.On November 27, 2023, the local branch did attempt to reach you by telephone,however the number on file was not in service. As of February 27, 2024, the ******************** Branch Manager was able to contact you using the telephone provided in the complaint.

      To assist you with your financial hardship the Branch Manager has requested that you visit your local branch to process a three-month deferment on your installment loan account as soon as possible. At this same time the Branch Manager will assist you in completing the documentation necessary to submit a claim to your Vehicle ************************* service provider for processing.

      We encourage you to maintain an open line of communication with your local branch until your issues have been resolved.

      Sincerely,
      *************************
      Chief risk Officer

    • Initial Complaint

      Date:02/21/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Have been dealing with this company for ten years. Bought a vehicle. The amount at first would go down with payments. Then it stopped decreasing. The interest rates are awful. I still owe the same amount as I did ten years ago. The payments never make any difference on the balance. They say we can refinance only to keep the amount owed and payments higher. Im sorry I ever got this loan. You make a payment and then they add more to the amount. It never decreases. This loan should have been paid off years ago. 10 years of payments of ***** a month for a ****** loan.

      Business Response

      Date: 02/27/2024

      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 the customers concerns as follows.

      On January 11, 2011, you obtained a direct consumer installment loan to finance the purchase of an **-ATV or Motorcycle. The original amount financed was $6,040.50 with an interest rate of *****% for a total of payments of $10,623.90 to be repaid over 72 months in $151.77 monthly payments.

      This loan has been renewed twelve times with the most recent occurring on November 24, 2023. The amount paid directly to you was $77.00 and $10,391.22 was paid on the prior loan. The Amount financed was $11,352.67 with an interest rate of *****% for a total of payments of $20,482.56 to be repaid over 60 months in $339.76 monthly payments. A copy of the promissory note and payment history has 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,

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


    • Initial Complaint

      Date:02/16/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      February 16, 2024 at around 4:00pm I went into Lendmark Financial. After receiving a call from a young lady named ******* confirming my appointment for a loan earlier that week. I would like to include that she said " we have been trying to contact you because the loan was approved and we could not get in contact with you so you would have to resubmit" I asked her during that call "How much did I apply for?" she said " I cant pull it up" for some reason. (Please listen to the phone call if need be!) Fast forward, I walk into the branch today, ******* gives me a seat at the desk, collects my paperwork and about 30 minutes later takes photo of my vehicle and takes down the mileage. We then go back in and I sit there for 40 minutes waiting for her to come speak to me. After an hour she comes back and says you have been approved for a $100 loan and $900 interest waived. I said to ******* " How come before this was done you did not give me any information on what was going on or my options" ******* proceeds to say " I called you last month and told you some information" I said "******* im a busy person, I had no idea what we spoke about at the beginning of last month" a lady named ******** came over who I later found out is the store manager said "well we are busy too" I said " How are you busy and this is your job?" She then starts to get very disrespectful to me and then proceeds to walk away when I asked her for an explanation as to why no one informed me that I couldnt get approved for a personal loan if I already had a loan out if it is my entire purpose for even submitting a application?? ******** got very disrespectful and I started to leave but while I was leaving I mumbled the *** word very quietly (I did not scream or get aggressive" ******** started chasing me out the store. I got afraid and I turned around to see if she was running to attack me. I went into defense mode out of shock. (PLEASE WATCH THE FOOTAGE) I thought she was about to hit me. I left after.

      Business Response

      Date: 03/05/2024

      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. We have opened an internal investigation into the matter and will contact to you directly if any additional information is needed.
      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: 03/06/2024

       
      Complaint: 21305785

      I am rejecting this response because someone called me about a week ago discussing the loan that I turned down. I told that gentleman that Once again, this has nothing to do with the loan. This has to do with the professionalism of his staff member ******** who looked to charge at me while I was leaving the establishment. I am also having another issue. Now that this has happened I do not feel comfortable, going into or reaching out to the branch located at *********** after almost being attacked. This is not normal behavior. There is no way a paying customer who has done absolutely nothing should be going through this. I was not aggressive at the time of the incident and I have requested that the video be watched and have not heard from anyone. I need to push this situation as far as it can go because I still have to do business with this company and it feels unsafe. Maybe I should have pushed something further legally and maybe I still will. This matter should not be taken lightly. 

      Sincerely,

      *************************

      Business Response

      Date: 03/12/2024

      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.

      Your concerns will be investigated and addressed according to our internal policy, however,should any additional information be needed we will reach out to you directly.Further, a request to have your account moved to another branch is being processed and should be completed soon.

      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:02/12/2024

      Type:Order Issues
      Status:
      Answered
      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 SERVI I don't not have a contract with this collection agency. They did not provide me with the original contract as requested.

      Business Response

      Date: 02/22/2024

      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.
      The customer, *************************, was referred to ***************************** Law Offices, by Lendmark Financial Services in August 2023 and retained to handle the civil warrant on Lendmarks behalf. The law firm mailed a letter to the customer with a breakdown of the charges accrued for this account including legal fees.Lendmark has mailed the customer a copy of the payment history for the account along with a copy of the letter from ***************************** Law Offices. Lendmark encourages the customer to work with the law firm to take steps to resolve the matter.
      Additionally, Lendmark Financial Services has received indirect credit disputes submitted from the credit reporting agencies initiated by you and has previously responded to the initiating agency with updated information,if any, within the required timeframe for response.
      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:02/12/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Im not liable for this debt with Lendmark. I no longer owe this account. This account was paid in full and therefore their lien for the loan was satisfied and removed from my title.

      Business Response

      Date: 02/21/2024

      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.
      On August 11, 2023 you authorized a one-time internet payment of $6880.87 to pay off the account. The title was released electronically on August 14, 2023 however, the payoff of $6880.87 was returned on August 16,2023 for Non Transaction Account and the account now has an outstanding balance of $7664.35. Once all payments have been received, your obligations under the loan agreement will be satisfied.
      Additionally, you have requested that Lendmark remove the account that is reporting with the CRAs however, we can confirm the information reporting to the credit reporting agencies regarding your account is accurate and under The Fair Credit Reporting Act Lendmark is obligated to accurately report this information to the credit reporting agencies, to that end Lendmark is unable to accommodate your request.

      A copy of your payment history has been mailed to the address provided within the complaint.

      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

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