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Business Profile

Credit and Debt Counseling

Consumer Financial Services Corporation

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit and Debt Counseling.

Complaints

Customer Complaints Summary

  • 3 total complaints in the last 3 years.
  • 1 complaint 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:11/11/2024

    Type:Billing 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.
    This company ran my credit without my knowledge or permission 11/11/2024. When i called in to ask why the manager said she doesnt know. This is a privacy matter as my information has been used and no one from the company can tell me who did it or why. I have the hard inquiry on my credit report which cause my score to drop. This is unacceptable and needs to be addressed.

    Business Response

    Date: 12/06/2024

    Ms. ***** purchased a 2015 ***** Impala In August of 2022 and Consumer Financial Services of Waukegan (CFS) financed said purchase. In signing the sales finance contract, Ms. ***** agreed to make 42 payments in the amount of $374.12 by the 15th of the month beginning in September of 2022. In October of 2024, Ms. ***** advised us that she would be unable to make her October payment until November 10th and CFS happily agreed to wait for her. When Ms. ***** did not pay on the 10th as promised, and CFS carried her account as a 30 day delinquent account, with no further communication, CFS pulled a credit bureau to see what if any new information may have become available. When Ms. ***** had promised to pay on the 10th of October, she had also told *** that she had lost her job and was working at a temp. agency but didn't have that information. She said when she came in on the 10th, she would update that information. Obviously when she failed to come in as promised, *** pulled a credit bureau to see if new employment information might be available. When Ms. ***** contacted our office via telephone on the 11th, she was extremely agitated about her credit being pulled. When asked who pulled it, I told her I did not know which of our Customer ********************** Representative's had pulled her credit but I would let her know when she came in later that day to make the payment as promised. Ms. ***** did come into the office later that evening and proceeded to yell and curse and would not accept the explanation provided to her. The *** that handles Ms. ******* account, ****, had in fact pulled her credit in an attempt to obtain updated information. I advised Ms. ***** of the same and she continued to yell and curse and become aggressive. She left that evening without making her payment as promised. She did return the following day, 11/12/24, and made her October payment. As of today, Ms. ***** still has not updated her employment information and she still has ******************************************* ***** would like the hard inquiry removed from her credit as a result of her credit being pulled due to her failure to pay as promised, *** will advise her how to process that; however, CFS does need Ms. ***** to update her information. If you have any questions, or would like additional information, please don't hesitate to contact me. 

  • Initial Complaint

    Date:11/19/2022

    Type:Billing Issues
    Status:
    Unanswered
    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.
    This company has reported inaccurate information regarding my payment history for my car loan. Im really frustrated about my credit score dropping below 600 and Ive made all my payments on time or within the 10days period given after my due date. This company called the credit bureaus & having the dates changing for my payment history which is falsifying document so it appears as though I havent paid the month of October 2018 or October 2022 when I did in fact pay them. The manager also said my Auto loan was not approved till October 1, 2018 but my paperwork stats my Auto loan was approved on September 28, 2018. I spend 4 years paying this auto loan off and my credit is ***** then when I went to Consumer Financial Service. I just want Consumer Financial Service to report the correct information in regards to my auto loan payment history and that the car is paid-In-full as of October 28,2022. That is all Im seeking in this matter. The corrections made to my credit report regarding this matter.

  • Initial Complaint

    Date:11/10/2022

    Type:Order Issues
    Status:
    Unresolved
    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 account was open September 28, 2018 I had no problems with payments until I approach my last three months. I was notified About all these late fees/ NSF fees dating back as early as 06/22/21, 09/03/21, 10/28/22, 12/02/22, 12/28/22 & 05/07/22 Each has a $25 fee for Late fee/ NSF fee that Consumer financial Service charge if they Received a notification from their bank that the checking account has insufficient funds. However no time previously has these fees been mentioned to me regarding my account and were never brought to my attention when I spoke with The manager ****** on 09/27/21 regarding a balance of $13.90 on my account. No receipt giving to me show any past due fees. Until 09/22/22 They altered documents as a pertains to amounts being paid & the date the loan was open are wrong on my credit report Consumer finance reported to the credit bureau that the loan was opened October 28,2018. That is information is incorrect and they are falsifying documents. Also their records of payment do not reflect my bank records. When the checks were written the in the amount of $198.00 on 10/27/2022 but the receipt send to me shows a payment of $100.00 which is the wrong amounts. I have all my CHASE BANK Statements showing they were paid in-full every month but continue to reporting to the credit bureau in accurate information pertaining to my account. I spoke to ****** the manager regarding the discrepancies on my credit report and how from July to October nothing was reported and on the other September to October she said it was on the credit bureau because they report every month. On October 31, 2022 on my Equifax credit report the loan for the auto Mobile was closed and was paid in full however on my trans union the same account for the automobile loan is open last reported July 2022 and its still open as of 11/10/2022. There is fraudulent activity taking place within this company.I have not received my title to my car and its been 11 days so far.

    Customer Answer

    Date: 12/03/2022

     
    Complaint: 18385727

    I am rejecting this response because:
    Consumer Financial Service has NOT called all three credit bureaus to correct the payment history on my auto loan account as of December 3, 2022 my Experience Credit account shows the auto loan account is open and delinquent in payments because they have not made the correct action to correct and close my account and my credit score is negative impacted by the failing to do so. I made all 48 payments and this auto loan account should have been CLOSED October 28,2022
    Sincerely,

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

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