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:08/04/2023

  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 received 3k in funding from LCF but in order to receive the funds i had to give them my **** login information so they could do an "Up to date" check on my account. When they logged into my account it triggered a security breach and **** of america told me i had to change my login information and they had to give me a new account number in order for me to use my account again. So i couldn't fund my account until i got my new **** card in the mail. LCF took two daily payments which i already had in my account but i couldn't load the account when it came to the third payment. I told LCF what the issue was but they never replied back instead they would send emails saying the exact same thing as if it was an auto email. the emails said i was in default and to contact them which i would do but not get a response back. i have the emails i sent with the dates and time on them. The day i got my new **** card i tried to fund my account to get the payments going again and found out LCF froze all my accounts and saying that if i dont give them all the money in my account and agree to pay back **** instead of the **** first agreed on then they wont take the hold off my accounts all because of a security breach they caused. even other lenders said LCF isn't a good company and if they see LCF has given someone money they are liable not to want to work with that company because LCF does things that could affect them getting their money back as well. They dont even want to work with me all she tells me is that in order to get my accounts back i have to give them all my money in my account which is over $3k and start paying them 500 a week until i pay off $7,000. My rent is due and company bills so if they do what they want i wont even have a company left to pay them the rest of their money on top of all of this they are still charging me daily which they know will go into default again because they have control of my accounts.

  Business Response

  Date: 08/10/2023

  We appreciate your business and apologize for any inconvenience this has caused you. We pride ourselves on being the leader in excellent customer service in the Cash Advance industry and working with our customers who are experiencing financial difficulty. According to our records, you returned 8 payments due to insufficient funds, placing your account into default. It appears as though payments have resumed on your account, and you are in touch with your account manager, so please continue to stay in communication with them and let us know how we can assist you better.

• Initial Complaint

  Date:08/03/2023

  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 have been having harassing phone calls that occur many times during the day and outside of business hours. I do not have a financial contract with this company, and I have no account with this company. The person who had my phone number before me owes them money. I have requested several times for them to not contact me as I am clearly not *******. I have filed with the BBB in the past with a resolution, however the harassing phone calls started back up. I have a log of all of the phone calls and the voicemails which have started to become more hostile. I tried to call to have my phone number removed for the second time and the phone just rang and rang. I should not have to keep filing BBB issues with this company.

  Business Response

  Date: 08/04/2023

  Dear **************,
  
  Thank you for bringing this important matter to our attention. We deeply regret the inconvenience and distress our calls have caused you, and I sincerely apologize for this unfortunate situation.
  
  We want to reassure you that we take your complaint very seriously. We received an email to our ********************************** address on Thursday, August 3rd, notifying us that your current number is no longer associated with the person named *******, whom we had previous financial dealings with. Following this, we have promptly acted on your request and removed your number from our database.
  
  We appreciate your patience and understanding in this matter, and we're truly sorry for any inconvenience we may have caused you. Should there be any other concerns or if you continue to receive any calls, please do not hesitate to contact us directly via email or phone, and we'll address the matter immediately.
  
  Thank you for allowing us the opportunity to rectify this issue.
  
  Sincerely,
  
  *****************************
  ********* ********
  *** *** *****
  ************
  **************************************

• Initial Complaint

  Date:08/02/2023

  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.

  We were offered a business loan with them they deposited what was supposed to be $4000 end up being $3300 and said they were going to take 150 days until it was paid with no interest and nothing else had two payments get returned because our invoices were not processed. They charged us. Extra fees had told me I only owed them $3100 a month later 31 days almost exactly after $150 a day five days a week told me I now **** $4700 and some change, my bank advised me to stop payment on their stuff and just submit through this and other apps a dispute with their practices

  Business Response

  Date: 08/03/2023

  We appreciate your business and apologize for any inconvenience in communicating with us. We pride ourselves on working with our customers and providing excellent customer service. According to our records, you returned six payments due to insufficient funds, which placed you into default. If you have any questions or concerns regarding fees or what constitutes a default, please refer to the contract you signed, as they are specifically detailed there. We would like to resolve this matter with you, and have tried to reach out to you, so please contact your account manager to discuss further how we can assist you better.

  Customer Answer

  Date: 08/03/2023

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***********************
  
  
  
   
  
  

• Initial Complaint

  Date:04/14/2023

  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.

  This company is horrible! I needed the money, I know the deal was horrible, but I also didnt expect that this company would be so unreasonable. My current agent ************************** and her manager, *************************** are every empathy of fake helping. They reach out as if they are helping but are really passive aggressive and doesnt help at all. My investment deal that I originally obtain the money for went sour. So therefore, I did not have the money to pay the daily fee. The first method was the 3 day pause. I did it one time and then the rul changed that I could only do a daily pay with close to anything in my account. I reached out to my agent manager and she added more "rules" and again I got no where. In the middle of the week, after I told them I did not have it, they continue to try to do collect funds and I continue to get return payments. Again their only method is to lower the daily rate which I dont have at all. My agrnt is not fake helping but also is sending docs that their law firm is going to get involved. At this point my hands are tied, I do not have the funds. I will never ever do business with the company again and I highly recommend that you do not either. I have never felt more bullied and received such horrible customer service. I do believe this is their culture there, so their horrible customer service skills are not properly dealt with.

  Business Response

  Date: 04/18/2023

  We appreciate your business and apologize for any inconvenience in communicating with us. We pride ourselves on working with our customers who are experiencing financial difficulty, and setting up short-term payment modifications or pauses, depending on your financial situation. According to our records, you were given a three day pause and then reduced payments for 5 days, when a stop payment was placed on our debits, which triggered a review from our legal department. We would like to work with you and have had one of our representatives reach out so we can discuss further how we can assist you better.
  
  

• Initial Complaint

  Date:03/10/2023

  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.

  Applied for a cash advance with the LCF group and was approved with the agreement to pay it back in daily installments of $******.Which I had been making on a regular basis. One day my credit card processor had failed to deposit the previous days funds and I decided to put a stop payment on that day so I don't incur an overdraft fee with the intent of making the payment out of cycle. I removed the stop payment and the rest of the payments went on as usual. And then I noticed all of a sudden the daily payments stopped. Tried getting in touch with someone, nothing. Am informed a few days later that the account rep is no longer with the company and have been assigned a new rep. *** was quite nice to her credit and she reinstated the daily payment. Next thing I know I get a letter from my credit card processor saying they had gotten a ucc lien hold on my account from the legal **** and if I don't respond within the next 7 days all my funds are going to be held.I begged them to stop as that was my sole source of income and am prepared to resolve any which way I can. They said their hands were tied until the hold took effect which it did. To their credit they did agree to release the hold but that's where this story took a turn. At first they said to wait till eod. Eod turns to tomorrow. Tomorrow turns to "they usually need a couple of days".Now it's almost a week and my entire *** store business is on a stranglehold over a $223 missed payment with no end in sight. Have got debtors breathing down my neck. More lawsuits coming. What's so funny is they still kept trying to withdraw the ****** daily payment and were shocked shocked i tell you that it kept getting returned even after they essentially blocked my business from receiving any income. So rather than pause it till this is resolved they were like how about we change it to 50 dollars a day for now. They still want me to keep paying even after they blocked me from receiving any income !

  Business Response

  Date: 03/13/2023

  We appreciate your business and pride ourselves on working with our customers and providing excellent customer service. Our records indicate your account defaulted and our legal department had to get involved due to a stop payment that was placed. However, once payments were resumed on the account a release was sent to the credit card processor and is pending processing. Unfortunately, we do not have any control over how fast they process the release, but in the meantime, please reach out to your account manager so we can discuss further how we can assist you better. 

  Customer Answer

  Date: 03/14/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I have been in constant communication with the credit card processor, and they haven't been made aware of any release. Matter of fact I asked them earlier today.

  [Your Answer Here]

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  Business Response

  Date: 03/20/2023

  According to our records we have been in touch with the merchant and are working with them to resolve their account with us. Please continue to stay in touch with your account manager so we can ensure a successful resolution.

• Initial Complaint

  Date:01/30/2023

  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.

  This group portray themselves as a law firm, ******* law group, to be exact, and approached my husband about recouping, lost money during Covid. My husband checked it out with his accountant, and he said it was legitimate, my husband provided the information, and just today they cleaned out my savings and checking because our accounts are linked, as well as my husbands checking.When I called, I spoke with a gentleman out of country who said he was with last chance funding ***** the phone number that shows up on my bank account is attached to ******* law group. They are a scam.

  Business Response

  Date: 01/30/2023

  The LCF Group appreciates your business and prides ourselves on being the leader in excellent customer service in the Cash Advance industry and working with our customers who are experiencing financial difficulty. We are not affiliated with ******* Law Group and could not locate your account with us based on the details provided, but please reach out to your account manager directly so we can discuss further how we can assist you better.

  Customer Answer

  Date: 01/31/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

  This is a remarkably dishonest reply intended to reflect positively on LCF Group (Last Chance ******** ***** *********************** is the chief legal officer and general counsel at the LCF Group. This is easily searchable. However, I appreciate this reply because it is just one more piece of evidence of their gross irreverence of the actual law. The line item on my personal bank account  reads legal order debit contact the ******* law firm PC, the phone number provided is **********. Why lie about your association if youre legitimate? When the number is called and they are asked for the documentation of this loan they use expletives and yell. Real attorneys dont do this.

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

  
  
  
  
   
  

• Initial Complaint

  Date:01/17/2023

  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.

  Account has been paid in full for over 30 business days. The company states that they are unaware of how to address the sissies of unlocking account but legal team refuses to unlock accounts. DO NOT USE THIS COMPANY. They take out other amounts than the amounts stated and then make it an issue at your bank . DO NOT USE THIS COMPANY

  Business Response

  Date: 01/19/2023

  We appreciate your business and pride ourselves on working with our customers and providing excellent customer service. Our records indicate your account defaulted and our legal department had to get involved due to a stop payment that was placed. Please also note that all debit amounts are clearly detailed in our contract for transparancy. Your account is now paid in full and all restrained accounts have been requested to be released. It appears this matter is resolved, but please feel free to reach out to your account manager so we can discuss further how we can assist you better. 

• Initial Complaint

  Date:01/11/2023

  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.

  This company keeps calling my phone line at all hours of the day, not just business hours. I have informed them that I am not ******* who they have a loan with but I got this phone number when I changed my number. I have kindly asked them to please leave me alone and they continue to harass me since August of 2022. At this point it is considered harassment as I have blocked their numbers multiple times and they keep calling from new ones. I have all of the blocked voice mails to validate my point. They call and ask for ******* and I inform them I am not him, and they still continue.

  Business Response

  Date: 01/12/2023

  Thank you for bringing this matter to our attention. We apologize for any inconvenience this has caused you. Our records have been updated, your contact information has been removed from our system.  You will not receive any further calls from us.  

• Initial Complaint

  Date:12/30/2022

  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, My name is *********************. I believe I am the victim of fraud, misrepresented terms and coercion and threats from Last Chance Funding out of *************, **. I was first contacted my a man named **** *********************** from a company called ************************ out of ********, ** (www.rightchoicecapitalinc.com/). I began receiving several calls and emails offering business funding. At that time I did not know he was acting as an affiliate for Last Chance Funding (LCF Group). After telling me that my initial loan (yes he referred to it as a small business loan, not a merchant cash advance), was for $3000, based on my revenue, but would be increased after I paid back half of the loan, I accepted. I was then presented with a contract from LCF group with several fees attached to it. I had many of the fees waived as I refused to pay them, but they said the could not remove the *** set up charge of $295 and a wire fee of $35. I agreed, as I was told that after paying back half of the the amount I actually received $2670, I would be eligible to receive $15,000 in funding. The contract actually ended up being merchant cash advance, not a small business loan, as I was told by **** from ********************. Furthermore after making several payments I asked my representative at LCF group *************************** ( *************************************** I was eligible to receive the increased funding, as i was told, she said that **** does not work for LCF and that I had been lied to. She claimed this was not part of the agreement, even though I was told this by **** and this was the main reason why I accepted funding with such a high interest rate (32%). I was disheartened but continued with the daily repayments taken out of my account for about 2 months. Apparently , one of the payments they tried to draw did not go through and I was then charged ($2500) for the missed payment. When I asked them to retry payment they did, but then tried to charge me $2500, which did not go though and I was then assed another $2500 fee. I was told I now owed $8000, even though I had only **** given $2670 in funding and already paid back about half. Though I tried to work out a reasonable solution, as I felt this was not fair, they began threatening me with a lawsuit and said they could seize my personal assets. At this time my business was only generating about $800-$1000 per month and I informed then I could not and would not pay them $8000. They began a campaign of threatening emails, texts and even contacted my via my website contact form demanding pay or " I would be sorry". These are ***************************** exact words in one of her many emails "Your account is going to be reviewed by our attorneys. I can promise you that you don't want to deal with them. From experience of being here I have seen what they are capable of, and have seen first hand what they have done to merchants. " That sounds like a threat to me. Shortly after I received a notification from my credit card processor that there was a UCC lien placed on my account and my funds were frozen. This caused my great distress as this was my only source of income. As I result I had to live off of credit cards and I ruined my credit. I have since signed a stipulation just to have access to my funds, but they now claim I owe close to $9000. They said if I pay them a lump sum they may accept less. I am in dire need of help as I cannot keep paying them as my business is not generating enough to satisfy them. Please help

  Business Response

  Date: 01/10/2023

  We appreciate your business and apologize for any inconvenience this has caused you. We pride ourselves on being the leader in excellent customer service in the Cash Advance industry and working with our customers who are experiencing financial difficulty.  As this is a cash advance, not a loan, there is no interest; however, we do assess default and returned payment fees as detailed in our contract, and there have been a large number of returned payments on this account. Furthermore, we strive to prevent miscommunication and misrepresentation by asking if any promises have been made other than what is detailed in the contract prior to funding, and none of these promises were indicated. 
  It appears that payments have resumed per a legal stipulation. We would like to resolve this matter with you; please reach out to your account manager so we can discuss further how we can assist you better.

  Customer Answer

  Date: 01/13/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

   

   

  Although I did sign the agreement, please note that I am not a lawyer and did not understand the difference between a loan and a merchant cash advance at the time of signing. Furthermore, the representative from Right **************, **** ***********************, did in fact refer to the funding as a LOAN. Please see the attached screenshots of the initial emails I received. Furthermore, I have since signed a stipulation, as I had not other choice or recourse of action at this time. My processing account was frozen due to there lien placed on my company and I had to due without access to any funds for over 2 months. As a result I had to buy groceries for my family with credit cards and have since destroyed my personal credit. This has caused my great mental anguish and pain and suffering and even had thoughts of harming myself. This is all over a sum of $2600, which is insane to me! I have already paid back that amount, but now am being told I owe over $8000? How is this legal?

  In regards to the missed payments, I informed why representative that I was facing a sharp decrease in revenue and could not keep up with the daily payments at that time. Instead of working with me, I was threatened my *************************** who stated that legal action was preceding and that she "has seen what our lawyers do to merchants". Under coercion I signed a stipulation, which I am still paying. I do not think it is fair to 4x the amount owed, especially when I notified LCF group of the financial troubles I was having. I was then assessed an initial missed payment fee of $2500, to roughly the same amount of the funding I received. Again, I struggle to understand how any of this is legal?

  The resolution I seek is removal of any add on fees and to pay ONLY the amount I agreed to pay in the original contract ($4200). My company only made 16k last year, so paying over $10,000 for a $2600 loan is not feasible. I feel the LCF group is intentionally targeting companies in compromised financial situations, aka predatory lending. This should not be allowed under law and is harming people. There are hundreds of reviews like this online on ****** and the BBB, so why has no one stepped in to help these businesses who were taken advantage of?

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  Business Response

  Date: 01/20/2023

  According to our records, you have had an excessively large number of returned payments and we attempted to work out reduced payments with you numerous times. Our attorneys had to get involved due to nonpayment, which incurred legal fees. With that being said, we appreciate your business and pride ourselves on working with our customers and providing excellent customer service. The default and returned payment fees assessed are detailed in the contract you signed, but you do have options. We would like to resolve this matter with you; please reach out to your account manager so we can discuss further how we can assist you better.

• Initial Complaint

  Date:11/30/2022

  Type:Sales and Advertising 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.

  During the pandemic, my business ran on hard times and I needed some extra funds. I am a small mini mart type of the store. I took out a merchant advance through this company. I was 90% complete with the loan, when Chase my back account they were taking daily deposits from was closed down by ***** without me knowing. They said the laws had recently change regarding the delivery of tobacco products and closed my account. I notified LCF immediately, and informed them my sales have drastically declined because both Chase, and Square which the delivery was made through Square online, my credit processing at the time had been canceled and Im working on resolution. While navigating through such hard times, LCF decided to add thousands of fees. The remaining amount was 1K at the time, but not ballooned back to 6k due to them adding thousands in fees even though I notified them and sales were drastically slower. *** tried to settle with them many times, but they wont answer a very critical question as theyve placed ucc liens, I have over ******************************************************************* to settle. This is extremely unfair business practice, they call me names in the emails, they call everybody around me even though Im always in cummunication with them and they have no problems finding me as Im always the one to contact them. They discuss my loan with any and everybody even though they constantly deny me answers in order to settle. Theres a long email thread that can verify all this from the beginning.

  Business Response

  Date: 12/08/2022

  We appreciate your business and apologize for any inconvenience in communicating with us. We pride ourselves on working with our customers who are experiencing financial difficulty and setting up short-term payment modifications or pauses, depending on your financial situation. We are willing to release our security upon a settlement arrangement.  But for privacy reasons, we cannot disclose your personal account updates online. Please reach out to your account manager so we can discuss further how we can assist you better.