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:05/17/2024

  Type:Product 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 2/2722024, I was contacted by a company claiming to be a ************* auto warranty provider, phone # ************, and was offered a program for coverage of repairs and maintenance for my 2016 SLK 300. I agreed to the coverage and was expecting a Welcome package providing the details of the program. I never received that package. On 3/29/24 and 4/29/24, automatic withdrawals from my checking account were made by EFS Omega, phone # ************, for $185 each. Its evident to me that this company is conducting fraudulent activities. I have been unable to reach anyone from either of the 2 phone numbers Ive provided in this message. I would like your help to cancel this coverage and obtain a refund of $470 from them.Thank you for your help.*********************

  Business Response

  Date: 05/03/2024

  **************,

  I can assure you we are not a scam,  we wouldn't be here answering, and contacting the BBB wouldn't work if that were the case. We are a payment processing company, so we do not set up, or cancel policies, but I have notified the company you purchased your policy from, and they will e reaching out to you.

  Regards,

  EFS Companies

  Customer Answer

  Date: 05/03/2024

  Complaint: 21656982
  
  I am rejecting this response because:
  I appreciate your response. However, you said you dont issue or cancel policies and will contact the company. Why did you not offer the contact details to me? In my original complaint, I advised that I was unable to reach anyone at either of the phone numbers I have. What contact information do you have that I do not? How is it that you are able to reach them but their customer cannot? Please provide the name of the company, full address, phone number, and website url. Thank you, in advance, for helping me to resolve my issue with the information you provided.

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

  Business Response

  Date: 08/12/2024

  This is in further response to the rejected response previously received. I wanted to supply some additional information to assist on this, for Im uncertain whether youve successfully been able to resolve this claim.

  A vehicle service contract for your Mercedes 2016 SLK 300 was purchased on 2/27/2024 from Vanguard Vehicle Armor, a company selling policies on behalf of ****************
  EFS Companies is the company responsible for processing the monthly payments for that coverage.  We do not sell or cancel these contracts. We can be reached at ************ from 8-5 PM C.T. If all **** are busy assisting other customers, you will be placed in the waiting queue, so should not have an issue reaching us.

  Vanguard Vehicle Armors customer service number is ************,from 8-5 P.M.  They will be able to assist you with any questions you have requiring that coverage. I did reach out to Vanguard regarding your concerns. They have attempted to contact you on several occasions, most recently on 8-8-2024 & 8-9-2024, receiving voicemail.  Vanguard Vehicle Armor also advised that a copy of the policy was emailed on 3/01/2024 and another physical copy was mailed on 3/01/2024 with a delivery on 3/07/2024. If you prefer to contact them, please reference your contract VVART603537.
  I hope this additional information helps to clarify additional questions you had.

  Business Response

  Date: 08/13/2024

  **************,

  Vanguard Vehicle Armors customer service number is ************.  They are available from 8-5 P.M.  They will be able to assist you with any questions you have regarding your coverage.  Refunds/Discussions about refunds would also be handled by Vanguard Vehicle Armor.   EFS Companies is a billing company that only processes the monthly payments for the coverage that you had.  I did reach out to Vanguard regarding your concerns.  They have attempted to contact you on several occasions, most recently on 8-8-2024 & 8-9-2024, receiving voicemail.  Please call them at your earliest convenience and reference contract VVART603537. My records do reflect that the policy is cancelled.

  I hope you find this added information satisfactory, to help resolve your claim.  

• Initial Complaint

  Date:05/07/2024

  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.

  They are taking money out of my account with authorization. I don&#**;t know what company this is and they took out money on April 10th and today, May 7, 2024. I would like to have my money put back in to my account.

  Business Response

  Date: 05/15/2024

  Good Evening,

   

  As I am sure you know by now, you purchased a vehicle service contract for your 2014 Lexus RX, and we are the payment processor for that that policy. However, the policy has been cancelled since 5/8/24, per your request.  Because of this, we assume the complaint has been resolved, but if not, please don't hesitate to let us know. 

   

  Regards,

  EFS Companies

• Initial Complaint

  Date:04/30/2024

  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 have been charged ****** for the past 4 months. I have no idea what this company is or how they got my information.

  Business Response

  Date: 05/03/2024

  Good Morning,

  You purchased a Home Warranty on 12/20/23, and we have notified the seller of your policy of your complaint, and they will be reaching out to you shortly. 

  Regards,

  EFS Companies 

• Initial Complaint

  Date:04/25/2024

  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.

  Hi, Efs companies has been taking $79.99 out of my 91 year old grandpa's account for I'm not sure how long. I know for sure since January 2024. My grandpa ***************** has dementia and I ******************************* have power of attorney. This company has not answered my phone call. I need help getting these payments stopped for something that was not ordered. I don't even know this company. I would like this resolved before they take more money for no reason. A refund would be appreciated.Thank you ********

  Business Response

  Date: 05/03/2024

  Good Morning,

   

  Since we are a payment processor, we do not sell, nor cancel contracts, but we reached out to the seller of the policy, that sent us the following message:

  "****************** has been thoroughly briefed on the actions we are undertaking in response to her concerns. During our communication, she acknowledged and expressed her appreciation for the decisive steps we have taken to resolve the matter. She indicated her satisfaction with the outcome, appreciating both the swift handling and the tangible results in the form of the refunds.
  We are confident that this resolution not only addresses the specific issues raised by ****************** but also reinforces our ongoing commitment to uphold the highest standards of integrity and quality in our service. By taking these proactive measures, we demonstrate our dedication to effectively manage and swiftly rectify any customer concerns, ensuring our service aligns with the expectations and needs of our clients."

   

  We hope ****************** considers this a satisfactory outcome to this complaint, but if not, please don't hesitate to let us know.

  Best Regards,

  EFS Companies

• Initial Complaint

  Date:04/20/2024

  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.

  Hello,In the last two months Ive received fraud checks from my PNC Bank account for a $245 charge for this company. Last month I figured it mightve been my car insurance but come to find out that is not the case. I never signed up for whatever this is and Ive been charged $245 and some change on at least three different occasions. I would really appreciate some assistance with this because I did not agree to this service.Thank you,*********************

  Business Response

  Date: 05/03/2024

  *****,

   

  We are a payment processor, and therefor do not cancel policies, but we have reached out to the company who set up this account, and asked that they give you a call. You purchased a vehicle service contract for your 2017 ******************* on 12/20/23 from Safeguard My Car. 

  Regards,

  EFS Companies

• Initial Complaint

  Date:03/13/2024

  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.

  My mother (who has dementia) has been charged $79.99 per month beginning in September 2023 by a company listed as EFS OMEGA 844-24222633 MO on her checking account statement. As far as I can determine, this company sells warranty protection for home and/or home appliances. My mother does not own a home, and she does not own any appliances. My suspicion is that she received a phone call solicitation of some sort in September 2023, and signed up for this warranty protection. I do not believe she has received anything in writing from this company regarding this "protection". In the event this is about an auto warranty (also reportedly offered by this company), my mother does not own a car.I have contacted and spoken with individuals who identify themselves as solely handling billing for this company. They have provided me phone number to reach someone who can cancel this monthly charge. I cannot reach anyone at the number they have provided, variously getting user busy, unavailable, or endless ringing before disconnection.I would greatly appreciate any assistance you can provide regarding this matter.Thank you.

  Business Response

  Date: 04/12/2024

  Hi *****, 

   

  We have been trying to reach you since you didn't provide your mother's information in the complaint. Please call our office at EFS **************
  
  

  Regards,

   

  EFS companies

• Initial Complaint

  Date:03/05/2024

  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.

  I am complaining about an unsigned contract mailed to my 85 year old mother, stating they will debit her bank acct $99.99 each month for a home maintenance package. My mother has demintia and isn't even paying her own bills. It is ashame that there are such horrible people in the world preying on the elderly. I want this contract destroyed, no future debits taken, and no more contact with my mother.

  Business Response

  Date: 03/10/2024

  Good Evening,

   

  Although we are just the payment processor, and do not sell policies, both our company, and our affiliates, take the safety of our elderly very seriously. We have reached out to the seller of the policy, to refund any down payment made, and will cancel all payments going forward. We apologize for the trouble, and will make sure your mother isn't called by anyone affiliated with us. 

   

  Sincerely,

  EFS Companies

• Initial Complaint

  Date:01/10/2024

  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.

  Although I can only see six payments made to this company on my online bank statement I never heard of this company. I can recover more on the charges made to my account for 191.00 a month since who knows when...the charges occur ever 16th of the month.
  
  I am 86 years of age and do not recall being involved with this company based on the information that I can barely understand having to do with business and investments.
  
  Sadly I do not tend to my statements on line trusting the federal credit union since 2017.
  
  I would like to know and will find out when these charges of a little over 191.00 began and would like a refund . Thank you, rnm

  Business Response

  Date: 01/19/2024

  Mr. ********,

   

  You purchased a repair assist program for your 2018 Buick back in June. Since we are the payment processor, we do not have access to send you a policy, or to cancel/refund the account. However, I have reached out to the customer service manager at the selling agency, and asked that they reach out to you ASAP. 

  If you need further assistance, please don't hesitate to reach out to us at **************.

   

  Regards,

  EFS Companies

• Initial Complaint

  Date:12/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have never heard of this company and I checked my account to find that 151 dollars was missing from my kids Christmas money . I did not agree to have this service . I’ve tried contacting them and no response . This is the first time I’ve ever seen this charge or heard of this company . Today is 12/22/2023 9:24 . The charge occurred at 8:55am . As I’m reading other people problems like mine in hard not to notice this company is certainly thieving from people.

  Business Response

  Date: 01/15/2024

  Good Morning,

   

  Mr. ****** spoke to the selling agent on 12/26, and the contract was cancelled, and refunded in FULL.

  Business Response

  Date: 01/18/2024

  Good Morning,
  
  Mr. ****** spoke to the selling agent on 12/26, and the contract was cancelled, and refunded in FULL.

• Initial Complaint

  Date:11/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am emailing in regards to my elderly father’s monthly debit on his bank account. We have been charged $79.99 per month since last December, through a debit card purchase that we did not authorize. It shows as *** ********* *** or *** *****. Please help
  me resolve this issue. Thank you.
  *****

  Business Response

  Date: 12/12/2023

  Good Morning,

  We have been unable to reach the customer regarding the account, but the customer filed chargebacks on all 3 of the monthly payments.  If there is anything else we can do, please reach out to us at  **************.

   

  EFS Companies