Complaints

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:06/18/2025

  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.

  recurring charge on ********** by EFS Companies. I called ***, they said there was a contract with ***************. *************** says they only handle claims that we need to call ***************. Voice mail says they are routing me to the "Home Warranty Support Team." That voice mail says "*************** - **************** No one calls back. This complaint is for my father, ***** ****. He has dementia and does not remember anything about this charge. I am his son, **** ****, and I am responsible for paying his Mastercard. I tried to cancel this charge with **********. They took the charge off for awhile but put the charge back on. I looked up *************** and they are an IT Services and IT Consulting. This is a scam! I think EFS is in on this scam

  Business Response

  Date: 06/24/2025

  Thank you for reaching out regarding the concerns surrounding recurring charges to a MasterCard ending in 0974, associated with Mr. ***** ****.
  We would like to clarify that EFS Companies LLC is a billing company responsible solely for the monthly payment processing of the policy Mr. **** purchased through *************** for his *************** coverage. This policy was purchased on October 26, 2022, and is registered under the listed address:
  ****************************************
  

  Please note:
  EFS Companies LLC did not sell this policy nor are we involved in its administration or cancellation.
  Our exclusive role is to ensure timely billing to prevent lapses in coverage for the insured.
  Any issues or questions regarding the sale, terms, or cancellation of the policy should be directed to ***************.
  However, as part of our commitment to customer satisfaction, we proactively contacted *************** regarding your concerns. We have been informed that the policy in question has now been successfully canceled, and a refund has been issued for the May 2025 payment.
  Should you have additional questions regarding the coverage details or purchase history, please contact *************** directly at ************. When reaching out, kindly reference contract number NIX01HY1NOJ for faster assistance.
  We hope this resolution meets your expectations. Please dont hesitate to reach out if there is anything further we can assist you with.

  Customer Answer

  Date: 06/27/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:06/04/2025

  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 started getting charged a little over $100 about 3 months ago and realizing they werent helping me out with ********************* so I decided to cancel my plan with them yesterday. However, they have NOT been clear with how exactly to cancel services. I spoke on the phone multiple times with their customer service. They told me to send a cancellation letter through mail, another told me theyd cancelled it yet nothing changed, and another promised me a callback d the same day on June 3rdno response. All I want is for them to make it clear what I have to do to cancel services. Or just cancel my plan with them outright so a bill of over $100 dollars stops being on my bank statement every single month.

  Business Response

  Date: 06/05/2025

  Thank you for contacting us regarding your concerns. We value the opportunity to address your issue and assist where possible.

  EFS Companies LLC serves as the billing company for monthly installments on both home and vehicle service contracts. While we facilitate the processing of payments, we do not sell these service policies, nor do we have the authority to cancel. Those actions are handled directly by the policy provider.

  However, we take customer concerns seriously and, as part of our commitment to service, we proactively reached out to the seller of your policyFlex Home Autoon your behalf to address your cancellation request. We are pleased to inform you that ************** has agreed to cancel your policy effective June 5, 2025.
  Should you have any questions regarding your contract details, cancellation confirmation, or any other aspect of your coverage, please contact Flex Home Auto directly at ************. When calling, please reference your contract number: FLXR500230 to expedite assistance.
  Thank you again for reaching out, and please dont hesitate to contact us if you have any further billing-related questions, at ************. I hope you find this resolution satisfactory. 

  Customer Answer

  Date: 06/06/2025

  I filed a complaint against ***, but it has since been resolved as their customer service recently informed me how to cancel from the companys insurance plan. 

• Initial Complaint

  Date:04/07/2025

  Type:Customer Service 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 convinced to sign up for some sort of vehicle insurance policy, but I did not realize what I was signing up for. This was unsolicited and in my confusion I was taken advantage of.I am not even sure what company I need to contact to get this cancelled. My credit card is charged each month since November but I cannot dispute the charge unless I attempt to cancel first. But I am not sure where to begin. I paid the first ****** then went to ** as a snow bird, never got any more info on the contract, but monthly 179 has been taken,

  Business Response

  Date: 04/08/2025

  Thank you for bringing this matter to our attention.
  Please note that EFS Companies LLC is the billing company responsible for processing the recurring monthly payments associated with the vehicle service contract purchased by ******** **** for a 2020 Ram 2500. These payments began on December 21, 2024.
  However, any questions regarding the service contract itselfincluding coverage details, cancellations, or refund requestsmust be directed to the company that sold the policy: Direct Vehicle Protection.
  To speak with a representative regarding the service contract, please contact Direct Vehicle Protection at ************. When calling, reference contract number DVPMC63074 to ensure faster assistance.
  We hope this clarifies the roles of each party involved. Please dont hesitate to reach out to us if you have further billing-related questions. EFS Companies can be reached at ************ 8 am.- 5 pm CST Monday-Friday.

• Initial Complaint

  Date:04/07/2025

  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.

  04/07/2025 at 2:11 AM woke up to a notification that this transaction was pulled from my account. I have no idea who this company is and had started a dispute with my bank to refund me the money I have not talked to anyone at this company or agreed to this transaction at all i need them to refund the money as this is part of my rent

  Customer Answer

  Date: 04/08/2025

  This error had been fixed it was a miscommunication between me and my husband he had done this prior to this transaction 

  Business Response

  Date: 04/17/2025

  On March 11, 2025, Mr. ******* ***** purchased a *************** Contract for a 2015 **** Q7 from Empire Auto Protect. EFS Companies LLC is the billing company responsible for processing the recurring monthly installments, which are due on the 7th of each month.
  Please note that any inquiries regarding coverage details,service terms, or contract specifics must be directed to the seller, *********** Protect. They can be reached at ************, referencing contract number EMPMC51895.

  Upon review of our records, it appears this complaint may have been submitted in error, following an additional message on this board from the consumer stating:
  "This error had been fixed; it was a miscommunication between me and my husband he had completed this prior to this transaction."

  If the customer has any billing-related questions or concerns, please contact EFS Companies LLC directly at ************,Monday through Friday, 8:00 AM to 5:00 PM Central Time.
  We appreciate the opportunity to address this matter and clarify any confusion.

• Initial Complaint

  Date:04/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was dealing with Auto Refi Protect to lower the monthly amount of my car payment. Nothing was ever finalized with them, I did not refinance my car, and even though I made numerous calls to speak with someone about the issue I could never make contact with anyone. Whenever I called the phone would ring once and the call would be dropped. Evidently Auto-Pro sent my information to Ensurety Finance Services LLC to provide service for my vehicle even though the refinance was not completed with Auto Pro. To date I have had three charges (1-10-25; 2-10-25 and 3-10-25) on my credit card of $133.67 for a total of $401.01. I would assume another charge on my account is scheduled for the 10th of this month. I would like this account closed and the full amount of $401.01 refunded to me as well an any future charges completely cancelled.

  Business Response

  Date: 04/16/2025

  We appreciate the opportunity to respond and provide clarification.
  EFS Companies LLC is the billing company responsible for processing the monthly payments associated with a vehicle service contract for a 2022 Buick Envision. Based on our records, three monthly payments of $133.67 were collected under this policy, totaling $401.01.
  Please be advised that on April 7, 2025, the policy was cancelled and a full refund of the $401.01 was issued by the provider of the service contract, ****************************, after speaking with Ms. *********** EFS Companies is solely responsible for billing, we do not manage or administer the terms of the vehicle service contract itself. Any questions related to the policysuch as how the policy was initiated, coverage details, or additional concernsshould be directed to **************************** at ************. When contacting them, please reference your contract number: AMRMC55927.
  If you have further questions regarding the billing, our team at EFS Companies LLC is happy to assist. We can be reached at ************, Monday through Friday, from 8:00 AM to 5:00 PM CST.
  We hope this provides clarity and a satisfactory resolution to your concerns.

  Attached, is a copy of the refunds for all installments previously collected.

  
  

• Initial Complaint

  Date:03/12/2025

  Type:Order 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 was convinced to sign up for some sort of vehicle insurance policy, but I did not realize what I was signing up for. This was unsolicited and in my confusion I was taken advantage of.I am not even sure what company I need to contact to get this cancelled. My husband's credit card is charged each month since October but I cannot dispute the charge unless I attempt to cancel first. But I am not sure where to begin.

  Business Response

  Date: 03/20/2025

  ************************* a billing company. We process payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel policies.
  Our records indicate that on August 28, 2024, a vehicle service contract was purchased for a 2017 ****** Sentra from Direct Vehicle Protection, a company selling policies on behalf of ***************.  At the time of the sale, recurring monthly installments were set to draft against Ms. ********* account on the 28th of every month, starting 9/28/2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
  To assist, I notified Direct Vehicle Protection of your concerns and requested that someone contact you immediately for a resolution. Direct Vehicle Protection advised that a refund of all monthly installments was approved. The down payment collected, of $179.00 was refunded on 3/12/2025 and 6 monthly installments of $179.00 each, were approved on 3/18/2025 (A copy of the refund receipt attached).  If you prefer, you may contact Direct Vehicle Protection customer service at ************ and reference contract DVPMC60797. They will be able to assist you with any further questions that you may have. I hope you find this to be a satisfactory solution. 
  Please reach out to us with any additional questions or concerns that you may have in the meantime, at ************ Monday thru Friday 8-5 PM CT. 

  Customer Answer

  Date: 03/20/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:02/24/2025

  Type:Customer Service 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 thought I had purchase a additional medical Insurance Plan and He purchase a home owner insurance at at rate of ***** per month then it went up to ****** without his approval. I would like a full refund for all the months I paid ***** and the last five months ****** for the next five months.

  Business Response

  Date: 03/06/2025

  I do apologize for the confusion, however ************************* a billing company that processes payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel contracts.
  Our records indicate that on September 20, 2024, Mr. ******* ******* purchased a home service contract for address ******************************************************************** from Americans Home Warranty, a company selling policies on behalf of ***************. At the time of the sale, recurring monthly installments were set to process against account 4157 on the 20th of every month, starting 10/20/2024. EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
  To assist, I have notified Americans Home Warranty of your concerns and requested that someone contact you immediately for resolution. Additionally, EFS Companies LLC. refunded the January installment of $149.99 and placed the account on hold to prevent additional payments from being processed (refund receipt attached). If you prefer, you may contact Americans Home Warranty at ************ or Omega Home Cares customer service at ************ and reference contract GBCH501441. They will be able to assist you with any questions that you may have about the cancellation procedure/process. I hope you find this to be a satisfactory solution. 
  Please reach out to us with any additional questions or concerns that you may have in the meantime, at ************ Monday thru Friday 8-5 PM CT. 

  Customer Answer

  Date: 04/16/2025

  We reject their response.  We would like to have a mediation.  They discharged all of that money and it would have not been what we would have done.  He never had a reason to have that type of insurance.  He buys appliances used and repairs them with a family member.  He had a lot of healthcare stuff going through the mail.  It somehow got misconstrued with the healthcare billing.  Once we knew more about the prices, it went to a higher amount for the insurance.  He had no interest in buying this insurance but got linked in to it.  He is adamant about getting a full refund because it is something he would never had used and never would have tried to pursue this.  

  Business Response

  Date: 04/21/2025

  Upon receiving the rejection from the initial response- EFS Companies LLC. reached out to the seller, to assist with the customer's concerns.  Americans Home Warranty promptly conducted a thorough review and advised they were able to speak directly with the customer's daughter.  During that conversation, they provided additional product details and terms.
  However, after carefully considering the additional information provided by the customer's daughter, Americans Home Warranty has decided, in good faith, to process a full refund back to the customer's account.
  We trust that this resolution addresses the concerns raised and hope it is found to be satisfactory.

  Refund Receipt Attached

• Initial Complaint

  Date:02/23/2025

  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.

  On 10/16/24, a recurring $276.94 charge was initiated by someone posing as an auto-repayment company (EFS), stating our vehicle would be repossessed due to a change in our payment policy (handled through ******). The call was initiated by me at the instruction of a piece of urgent mail, recieved on the day of the initial transaction. There is no way this alleged company is providing any coverage or care or service for us as we have confirmed uninterrupted service with all other providers. Upon recognizing the fraudulent nature of the charges, we have sought refund to no avail.

  Business Response

  Date: 03/06/2025

  I do apologize for the confusion, however ************************* a billing company that processes payments for both home warranties and vehicle service contracts.  We do not sell, nor cancel contracts.
  Our records indicate that on September 24, 2024, a vehicle service contract was purchased for your 2017 ****** Maxima, from ******************, a company selling policies on behalf of ***************. At the time of the sale,recurring monthly installments were set to process against account 6065 on the 15th of every month, starting 10/15/2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.  
  To assist, I notified Car Pro Protection of your concerns and requested that someone contact you immediately for resolution. Car Pro Protection advised they attempted to contact ************ and ************, leaving a voicemail. Additionally, an email was sent to ************************* attempting to resolve any concerns or questions.  If you prefer, you may contact Car Pro Protection at ************ and reference contract CPPMC500350.  They will be able to assist you further. 
  Attached, you will find a copy of the service contract purchased, originally sent 1st class mail. Tracking: **********************

• Initial Complaint

  Date:02/01/2025

  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.

  This unscrupulous company has preyed on my finances, offering my mentally disabled husband a scam car repair service and using my credit card after cancellation to continue to steal and no services ever rendered!!

  Business Response

  Date: 02/21/2025

  EFS Companies LLC. is a billing company.  We do not sell, nor cancel contracts.
  Ms. *****, our records indicate that on August 18, 2023, a vehicle service contract was purchased for your 2017 **** Fusion from ***********************  ************ sells policies on behalf of ***************. At the time of the sale, a down payment of $187.00 was collected directly by Vanguard Vehicle Armor.  Recurring monthly installments were set to process against your account on the 18th of every month, starting September 2023.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.
  To assist, I notified Vanguard Vehicle Armor of your concerns and requested that someone contact you immediately for resolution-after receiving an email from you regarding your concerns on February 3, ********************* advised that the **************** Manager was able to speak with you on February ****** and collected the final installment of the coverage- making your contract complete with no additional payments due.  They also reported that you were able to locate the policy booklet and review the information, resolving any concerns that you may have had. On February 4, 2024, we received a follow up email from ******************* confirming that the issue had since been resolved.
  You may contact ********************** customer service at ************ and reference contract VVART61676.  They will be able to assist you with any additional questions that you may have. I hope you still find this resolution satisfactory.  Please let us know if you have any additional concerns or questions at ************, Monday through Friday 8-5 C.T.

• Initial Complaint

  Date:11/27/2024

  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.

  *** omega fraudulent charge against my account in the amount of *****

  Business Response

  Date: 12/16/2024

  I apologize for the delay for this response, however EFS Companies LLC. is a billing company.  We do not sell, nor cancel contracts. ******************* has attempted to contact you several times since the filing of this claim, however, were unsuccessful. 

  Ms. ****, our records indicate that on September 27, 2024, a vehicle service contract was purchased for your 2004 ********** from ********************  ************ sells policies on behalf of ***************. At the time of the sale, a down payment of $195.00 was collected directly by Empire Auto Protect.  Recurring monthly installments were set to process against your account on the 1st of every month, starting October 2024.  EFS Companies LLC. was responsible for processing the monthly charges for this coverage.

  I did notify Empire Auto Protect of your concerns and requested that someone contact you immediately for resolution. *********** attempted to reach out to you on December ****** and again on December 16,2024.  They advised they were unable to speak with you or to leave a message.  After several failed attempts, Empire Auto Protect refunded the November installment and cancelled your policy (A copy of the refund receipt attached). 

  You may contact Empire Auto Protect customer service at ************ and reference contract EMPRT53811.  They will be able to assist you with any additional questions that you may have. I hope you find this resolution satisfactory.
  Please note- EFS Companies LLC. has no record of Ms. **** contacting our office prior to this complaint.