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:10/29/2023

  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.

  I have no idea what this company is or why it took ****** out of my account on the 27th of October I would like this fixed because I have not agreed to anything nor even know your company's service my phone had been hacked and some one was pretending to be me so if there is a subscription I need it canceled asap.

  Business Response

  Date: 11/15/2023

  Good Afternoon,

   

  We are a payment processor for multiple companies, and you purchased a Repair Assist program for your 2013 Kia **** through Vanguard Vehicle Armor on 9/25/23, and they can be reached at **************.

  If for some reason you cannot reach them, you can reach us at  ************
  
  

  Regards,

   

  EFS Companies

• Initial Complaint

  Date:10/09/2023

  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.

  My name is ******************* and I would like to submit a Formal Request to help remedy an Automatic Fee that is being charged to my Mom's Credit Card each month since Jul 2023.PendingPurchase / EFS COMPANIES LLC *********** MO US -$79.99 09/08/2023Purchase / EFS COMPANIES LLC ***********, MO (****) -$79.99 08/08/2023Purchase / EFS OMEGA ***********, MO (****) -$79.99 07/10/2023Purchase / EFS COMPANIES LLC ***********, MO (****) -$79.99 I am ***************************** daughter and have ***** of ******** over her finances and health care. She is 86 years old, lives on her own in *********, **. at *************************** and suffers from early onset Dimentia. In April 2023 timeframe, her dryer started making a squeaking noise. I live in Georgia so was unable to assess the noise source. So, I called the ***** Home Repair to arrange a Service Call. A technician arrived on 13 Apr and repaired the dryer. My Mom wrote a check (Check # ****) $292.68 for Work Order #*************** Dryer Repair. I do not have a copy of the work order and my Mom could not recall the details. Then, in July, I notice a charge on her Credit Card fom EFS in the amount of $79.99. On 8 Aug, the same charge appeared again (see above) so I called the number on the Credit Card Line and found out it was for a ********************** I explained that my Mom did not need a ********************* and was on a fixed income. I requested that the Service be cancelled and was told that the Service was now cancelled. On 8 Aug, the charge appeared again. Once more I called the number and explained that my Mom did not need a ********************** I again requested that the Service be cancelled immediately. Again, I was told that it was now cancelled. As of Oct 2023, It appears that the charge is still active.Taking advantage of a disabled elderly person in this way is unacceptable. Additional info: ASMB ************** or ************** Policy # ASMH52890

  Business Response

  Date: 10/25/2023

  Good Afternoon,

  We reached out to the seller, who stated that they did speak to you, and although they tried to retain your business, agreed to cancel your policy.  Unfortunately ******* failed to actually do so, and for that we would like to apologize. 

  Additionally, we have refunded ALL payments, and they should be visible in your mother's account in 3-5 business days. Sorry for any inconvenience. I would like to add, that this was completely unrelated to the repair with Sears.

  Have a great day!

  -EFS Companies

  Customer Answer

  Date: 10/26/2023

  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.

  Thank you so much for the efficiency and clarity BBB provided.  It is much appreciated.
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:10/07/2023

  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 contacted the business and was transfer to the company. That supposedly I got the contract from. And was given the run around, saying that they have everything on recording that this was purchased by me, however, this is rep payee account for a social security account so this is not possible. I did not purchase this. I want this canceled. I want a refund and I want this s*** to stop. This is not appropriate, for them to do this. This is a elderly man's account and he has dementia and this was not purchased.

  Business Response

  Date: 10/17/2023

  Good Afternoon,
  As a payment processor, we do not sell, or cancel policies, but we do want to assist you in any way that we can. Please send the account holder's name, contract number, and phone number to ******************* so that we can investigate and see who the seller of the contract is.  Make sure to reference this complaint in your email, and we will be sure to assist you. 

  Have a great day!
  

  Regards,
  

  *** Companies

• Initial Complaint

  Date:09/18/2023

  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 saw that my bank account hace this, and I dont know why there charging me

  Business Response

  Date: 09/26/2023

  ****,

  You purchased a Repair Assist Program on 4/4/22 for your 2017 Toyota Camry. Please the seller of the policy at  ***** ******** for further assistance. 

  For future reference, you can get issues like this resolved much faster by calling the number next to any charge on your credit/bank account, as this will take you directly to the company that processed the payment. In our case, we are just a payment processor, and did not sell you the coverage. However , we would have happily provided you with the information needed to contact them.

  Regards,

  EFS Companies 

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

   

• Initial Complaint

  Date:08/31/2023

  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.

  Got something in the mail saying it was urgent to contact *** **** to activate my extended warranty. Once I called it was it explained I had to make a one time payment to activate my warranty. That was in July. This week I got another charge. Got the booklet in the mail today and saw it was an 18 month recurring charge. I called the number. I talked to an individual and started questioning the recurring charges and that I had already paid for a extended warranty at the dealership. With some hesitation I was able to get it canceled. The individual I spoke with said I couldn't get my money back. This is not right.

  Business Response

  Date: 09/13/2023

  Good Evening,

   

  As a payment processor we do not setup, or cancel policies. We have reached out to the seller to have them contact you, since that is who is solely responsible for any refund due.

   

  Regards,

   

  EFS Companies

• Initial Complaint

  Date:08/18/2023

  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.

  I received two letters from EFS Companies, LLC that was a bill. It had my car (Buick Encore 2022) on it but didn't specify exactly what it was for, it asked for $200 and I paid that because I wasn't sure at first that it was a scam and didn't want to get in trouble. When the second one came in it asked for $402 and that's when I caught on and started looking it up and realized that it had nothing to do with auto anything. And started putting in fraud reports

  Business Response

  Date: 09/13/2023

  Good Morning,

  You contacted the seller vi phone on 2-20-23 to set up a Vehicle Service Agreement for your vehicle, but have not had contact with you in their customer service department since you purchased the policy. A billing department representative spoke to you on 4-13-23 and you provided an updated billing method to process the past due payment. Another billing department representative spoke to you on 6-12-23 and the you asked that the card on file be used to process the payment. On 6-23-23 called their billing department again, and processed an additional payment so that the billing account was in current standing. They have not received any indication that there was an issue with the you Vehicle Service Agreement, or billing account. Since being notified of the your complaint, they have attempted multiple phone calls and left two voice messages, which you have not returned. At this time the Vehicle Service Agreement and billing account have been cancelled.

  Regards,

  EFS Companies 

  Customer Answer

  Date: 09/16/2023

  Thank you so much for responding to my inquiry about this. My concern is the vague information that they are giving. Im not sure that everything theyre saying has validity to it, and Id like your help and seeing if they could verify the information for what vehicle their information is pertaining to. Im just very suspect of how vague they made these charges, and, as I said, in my original inquiry, I feel like their letterhead, explanation of charges, and presentation of their billing seem suspect.
  
  
  If you could help me along with this, by presenting the following question to them, I would really be grateful and have a better mindset. One of the other red flags I saw was the name of the company, on the letter it said ************** Exclusionary, but in the email it said Ensurety Finance Services LLC. Are they one in the same?
  
  
  Im also going to need some documentation to fully understand of what I supposedly signed up for. Looking at my records for my purchase of my vehicle, Im not seeing anything about an extended warranty or warranty program that I signed up for. This is concerning because all prescribed documentation I have is either registered to the dealership, the state I live in, or related to my vehicle registration from the purchase. If you could let me know exactly what I owe and on what vehicle I owe a warranty to, that would be great thank you very much.

  Customer Answer

  Date: 09/18/2023

  Complaint: 20492378
  
  
  
  I am rejecting this response because:
  
  
  
  My concern is the vague information that they are giving. I’m not sure that everything they’re saying has validity to it, and I’d like your help and seeing if they could verify the information for what vehicle their information is pertaining to. I’m just very suspect of how vague they made these charges, and, as I said, in my original inquiry, I feel like their letterhead, explanation of charges, and presentation of their billing seem suspect.
  
  If you could help me along with this, by presenting the following question to them, I would really be grateful and have a better mindset. One of the other red flags I saw was the name of the company, on the letter it said Advantage Care Exclusionary, but in the email it said Ensurety Finance Services LLC. Are they one in the same?
  
  I’m also going to need some documentation to fully understand of what I supposedly signed up for. Looking at my records for my purchase of my vehicle, I’m not seeing anything about an extended warranty or warranty program that I signed up for. This is concerning because all prescribed documentation I have is either registered to the dealership, the state I live in, or related to my vehicle registration from the purchase. If you could let me know exactly what I owe and on what vehicle I owe a warranty to, that would be great thank you very much.
  
  
  
  Sincerely,
  
  
  ********* *****

  Business Response

  Date: 10/05/2023

  **********

  At no point have we tried to be vague at all.  Our customer service magaer, as well as the selling agents have tried to reach you on MULTIPLE occasions, but with no luck.

  I have attached a copy of your full policy, with all contact information of everyone involved.  On the declaration page you will se a sections that says "SELLER", which is who you would be best served to speak to. EFS Companies only processes payments, and do not solicit, sell, or cancel policies. 

  I hope this clarifies things to your satisfaction.

  Regards,

  EFS Companies

  Business Response

  Date: 03/06/2025

  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 2022 Buick Encore was purchased on 2/20/2023 from Sky Services, a company selling policies on behalf of ****************  If you received a billing statement reflecting a double payment due, the statement crossed in the mail with the payment for the month. Billing statements are issued approximately 3 weeks prior to the due date for the monthly coverage.
  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.
  Sky Services customer service number is ************, from 10-5 P.M. C.T.  They will be able to assist you with any questions you have regarding that coverage.  Please reference your contract number SASKY166679.
   I did reach out to Sky Services regarding your concerns.  They had attempted to contact you on several occasions, receiving voicemail.  Sky Services also advised the following:
  This customer contacted us by phone call on 2-20-23 to set up a *************** Agreement for her vehicle. We have not had contact with this customer in our customer service department since they purchased the policy. A billing department representative spoke to the customer on 4-13-23 and the customer provided an updated billing method to process the past due payment. Another billing department representative spoke to the customer on 6-12-23 and the customer asked that the card on file be used to process the payment. On 6-23-23 the customer called our billing department again and processed an additional payment so that the billing account was in current standing. We have not received any indication that there was an issue with the customers *************** Agreement or billing account. Since being notified of the customers complaint, we have attempted multiple phone calls and left two voice messages. The customer has not returned our calls. At this time, the *************** Agreement and billing account have been cancelled. We will be happy to assist this customer with the process of submitting documentation to obtain the pro-rata refund due per the terms and conditions of the *************** Agreement
  I hope this additional information helps to clarify the additional questions you had. Attached is a copy of the policy purchased. 

• Initial Complaint

  Date:08/11/2023

  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 can see on my bank accounts charge from EFS Companies for the amount of $273 which is pending as of 08/11/23. I was unaware of this transaction and highly unaware of the amount. Can someone explain what is going on? Do I get any of that back?

  Business Response

  Date: 08/17/2023

  *******

   

  EFS Companies is a payment processor, and do not sell or cancel policies. You purchased a vehicle service contract for your 2019 Nissan Kicks from ********* ** **r on 7/11/23. They can be reached at (**** ********.  I hope that helps

   

  EFS Companies

• Initial Complaint

  Date:07/28/2023

  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.

  My checking account has been dormant for the past 2 weeks.I made a cash deposit at a local branch atm.ATM.Within 15 min following the deposit, a withdrawal attemp was made on my account by EFS OMEGA ************************************* Date:7/28/2023 Type:Debit For $190.00. This is not an authorized withdrawal.The bank fraud unit called for verification and was blocked.It is unknown if the money has been dispatched or not.My debit card was blocked and the transaction is pending

  Business Response

  Date: 08/01/2023

  ****************, 

   

  You purchased a vehicle service contract on 5/31/23 for your 2017 ******* Sonata.  You purchased it from ***********************, who can be reached at **************. EFS is a payment processor, and does not sell, or cancel policies.  Please reach out to them directly. 

   

  Regards,

   

  EFS Companies

  Customer Answer

  Date: 08/04/2023

  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:07/20/2023

  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.

  Hello, I’ve been paying $160.99 every month for insurance purposes, but I can’t get in touch with them through the number they gave to try to cancel the insurance.

  Business Response

  Date: 08/17/2023

  Good Morning,

   

  As the payment processor, we cannot cancel accounts, but we have reached out, and requested that the customer service manager from the company in question contact you.

   

  EFS Companies

• Initial Complaint

  Date:07/18/2023

  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.

  Ensurety Finance Services LLC, charged me a $25.00 cancellation fee for services they did not uphold. I'm considering to take them to claims court so they can refund me any charges to my card.
  Customer service was very rude to my wife when she tried to cancel, (Felicia) but John cancelled when I called.

  Business Response

  Date: 07/21/2023

  ******,

   

  We are the payment processing company for the policy you purchased, but we don't sell or cancel them, The company you are referring to is Vehicle Repair Services, and they can be reached at ###-###-####

   

  -EFS Companies

  Customer Answer

  Date: 07/21/2023

  This is exactly what is going on here, so the original complaint should go to ****** ******* ****** *** *** **** *** **** ******** ###-###-####. How can these 2 companies Ensurety Finance Services & Repair Service Center treat people this way, As long as my policy is cancelled I do not need any of there services..