Complaints

This profile includes complaints for Security Group, Inc's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Security Group, Inc has 789 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Security Group, Inc

  181 Security Pl Spartanburg, SC 29307-5450

  
• 

  Security Finance

  603 W Bypass Andalusia, AL 36420-4732

  
• 

  Security Finance

  806 N Main St Ste E Atmore, AL 36502-2528

  
• 

  Security Finance

  309 Quintard Ave STE G Anniston, AL 36201-6075

  
• 

  Security Finance

  1432 S Eufaula Ave Eufaula, AL 36027-3157

  

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:04/10/2023

  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.

  Reported missed period but payment made account had late fee not paid but I wasn't informed of how important it was to pay the late fee by representative doing our conversations starting on February 12 th thur March 31 th I had conversations with the representative From February 28 th payment thru out the month of March twice on March 31 the day account was reported and no one talked to me about the 15 fee payment call record show a total of 8 calls between March 15 to 31 th no conversation on the 15 dollars payment just March payment

  

  Business Response

  Date: 04/27/2023

  April 20, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  
  
  Re: BBB Complaint: ******* ****
  Complaint ID: ********
  
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on April 10, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team. The
  results of our investigation are as follows.
  
  On January 9, 2023 Ms. ****** obtained a loan with a total repayment amount of $1,265.00
  from our Security Finance branch office in ************, Tennessee, and agreed to repay the
  loan in 11 monthly installments of $115.00 each beginning February 9, 2023. Per the terms of
  Ms. ******’ loan agreement with us, she must make each payment in full within five days of its
  due date, or a $15.00 late fee will be assessed to her account. On three occasions, Ms. ******
  failed to make her payment with 5 days of her contractual due date, and as a result, late fees were
  assessed to her account.
  
  Ms. ****** alleges she missed payments on her account and although she paid her monthly
  payments late, she did not pay the late fees that were assessed to her account. Ms. ****** further
  alleges that she was not informed of the importance of paying the late fees even though she had
  spoken with us on multiple occasions. Ms. ****** requests that the late payments be removed
  from her credit report.
  
  We are unable to substantiate Ms. ******’ allegations. As stated above, Ms. ******’ loan
  agreement called for 11 monthly installment payments of $115.00 each, beginning on February
  9, 2023. The loan agreement explicitly provides that a late charge of $15.00 will be assessed for
  any payment not made within five or more days after its scheduled due date. Our records indicate
  Page 2
  
  that Ms. ****** did not make her monthly payment due February 9, 2023 until February 25,
  2023 and a $15.00 late fee was assessed in accordance with her loan agreement. Ms. ****** did
  not make her monthly payment due on March 9, 2023 until April 6, 2023 and therefore a $15.00
  late fee was assessed. Ms. ****** did not make her monthly payment due on April 9, 2023 until
  April 20, 2023 and once again, in accordance with the terms of her loan agreement a $15.00 late
  fee was assessed. A copy of Ms. ****** loan agreement and payment history are enclosed.
  
  We are also unable to substantiate Ms. ****** claim that she was never informed of the
  importance of paying the late fees even though she had spoken with us on multiple occasions.
  Our records indicate that we had multiple conversations with Ms. ****** regarding the status of
  her delinquent account. In addition, our employees receive training and are instructed to review
  all of the terms of the loan agreement with the customer, including late payments, at the time of
  every loan consummation.
  
  With respect to Ms. ******’ request that we remove the late payments from her credit report, we
  are unable to honor her request. As a data furnisher, we have an obligation to report accurate
  information to the credit reporting agencies to whom we report, Equifax and TransUnion.1 We
  have verified that we are correctly reporting the tradeline associated with Ms. ******’ account
  on the above-referenced loan. As such, we will not remove or modify it.
  
  Additionally, according to the requirements of the Fair Credit Reporting Act (“FCRA”), any
  consumer disputing information on his or her credit report must notify the creditor of the dispute
  in writing with detailed information regarding the specific information that is being disputed.
  The consumer must also explain the basis for the dispute and include all supporting
  documentation to substantiate the basis of the dispute. The dispute also must be mailed to the
  address designated by the creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  P.O. Box ****
  ***********, SC 29304
  
  Upon receipt of a dispute which conforms to the above requirements and which contains
  additional identifying information, we will research and respond to the dispute within the
  timeframe required by the FCRA.
  
  In closing, we appreciate that Ms. ****** took the time to notify us of her concerns and hope that
  we have been able to address them to her satisfaction. If she has any further concerns, she can
  contact our Customer Relations Department at 1-(866)-********
  
  
  1 We do not report to Experian.
  
  ******
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ******, ****
  April 20, 2023
  Page 3
  
  Sincerely,
  
  SECURITY FINANCE COMPANY OF TENNESSEE
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  
  
  
  

• Initial Complaint

  Date:04/10/2023

  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.

  I have a past due loan with them, and they keep putting hard inquiries on my credit report without my permission! When I went up there to talk to them they stated it is within there rights to run my credit without my permission as a way to collect new information to help them collect a debt! I want the hard inquiries removed since I did not give them permission to run my credit. All the times continental loans is on there I did not give them permission

  

  Business Response

  Date: 04/27/2023

  April 20, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ******* *******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on April 10, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the results
  of our investigation are as follows.
  
  On May 13, 2022, Ms. ****** obtained a loan with a full repayment amount of $900.00 from our
  Security Finance office in Hohenwald, Tennessee, and agreed to repay the loan in 9 monthly
  installments of $100.00 each, beginning June 13, 2022. Despite representing her ability and
  willingness to repay the money loaned to her in accordance with the monthly payments, Ms. ********
  account became delinquent. Ms. ****** paid the full balance on the loan on April 7, 2023. A copy of
  Ms. ******** loan agreement and payment history is enclosed.
  
  Ms. ****** alleges that the branch keep[s] putting hard inquiries on [her] credit report without [her]
  permission. She further alleges that when she contacted the branch about the inquiries, the branch
  informed her that the branch could pull credit bureau reports to collect new information to help the
  branch collect a debt. Ms. ****** requests that the hard inquiries be removed.
  
  After Ms. ******** account became delinquent, we attempted to contact her using the telephone
  numbers she provided in the application she completed in connection with the above-referenced loan.
  When Ms. ****** did not respond to our communication efforts nor attempt to communicate with us
  for an extended period of time, we initiated inquiries on August 2, 2022 and on April 5, 2023, to obtain
  updated location and related information for her to aid in our collection efforts. If Ms. ****** had
  simply communicated with us or afforded us the courtesy of responding to any of our efforts to
  communicate with her, we would have had no need to make efforts to locate her. Obtaining a
  consumer credit report for “review or collection of an account of the consumer” is wholly permissible
  under Section 604(a)(3)(A) of the Fair Credit Reporting Act (“FCRA”).
  
  However, our company policy limits initiation of a credit inquiry if direct contact has recently been
  made with the customer. Our investigation reveals that even though we had been unable to reach Ms.
  ****** for extended periods of time over the course of her loan, we had made contact with Ms. ******
  in July 2022; therefore, a credit inquiry should not have been initiated on August 2, 2022. As such, we
  have requested that our August 2, 2022 credit inquiry be removed from Ms. ******** credit report.
  However, the credit inquiry from April 5, 2023 will not be removed.
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ******* *******
  April 20, 2023
  Page 2 of 2
  
  
  Please note that we are neither affiliated with nor have any influence over the consumer reporting
  agencies that maintain consumer credit reports and, as such, we cannot guarantee that they will grant
  our request for removal of the August 2, 2022 inquiry. In addition, we have taken measures to
  reinforce our policy on this issue with the employees at the branch office where Ms. ****** obtained
  her loan.
  
  We appreciate that Ms. ****** took the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further concerns, she can contact our Customer
  Relations Department at *****************
  
  Sincerely,
  
  SECURITY FINANCE COMPANY OF TENNESSEE
  
  
  
  Melia ******* M*****
  Senior Corporate Counsel
  
  

• Initial Complaint

  Date:04/10/2023

  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.

  SECURITY FINANCE CORPORA
  C/O SECURITY FINANCE *** **** ************ ** ***** *** This company has been reporting my personal information to the bureaus My debt with this company has been settle and I no longer have any business with this company. This is a formal notice that I do not give my consent for this company to report or hold my personal information. I am putting this company on notice to delete my personal information from their database Asap.

  

  Business Response

  Date: 04/26/2023

  April 20, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ******, ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on April 10, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the results
  of our investigation are as follows.
  
  On August 16, 2019, Mr. ****** obtained a loan with a full repayment amount of $696.00 from our
  Security Finance office in Champaign, Illinois, and agreed to repay the loan in 8 monthly installments
  of $87.00 each, beginning September 16, 2019. Mr. ****** paid the full remaining balance due on the
  account on March 13, 2020.
  
  Mr. ****** alleges that Security Finance is reporting his personal information to the bureaus. Mr.
  ****** alleges that his debt with Security Finance has been settle[d] and he no longer has business with
  Security Finance. Furthermore, Mr. ******’ complaint states that he is giving formal notice that he
  does not give his consent for Security Finance to report or hold his personal information. Mr. ******
  requests deletion of his personal information from our databases.
  
  We are unable to substantiate Mr. ******’ allegations through our investigation. On April 16, 2020, we
  began reporting Mr. ******’ account as Paid in Full and have not provided further information to credit
  reporting agencies. Information reported to credit reporting agencies will typically remain on a
  consumer’s credit report for seven years. As a data furnisher under the Fair Credit Reporting Act
  (“FCRA”), we have an obligation to report accurate information to the credit reporting agencies. We
  have verified that we are correctly reporting the tradeline for Mr. ******’ loan on his credit report and;
  therefore, we will not remove or modify the tradeline.
  
  Although not expressly detailed, Mr. ****** appears to allege that we have violated the Gramm-Leach
  Bliley Act (“GLBA”), by furnishing his nonpublic information without his consent or providing him
  the material disclosure to opt-out of sharing his nonpublic information to third parties. This is simply
  not true. While the GLBA does set forth certain obligations with respect to disclosures of personal
  information, our reporting of the tradeline associated with Mr. ******’ account to the credit reporting
  agencies in no way violates the GLBA. Our Privacy Notice, which Mr. ****** received at the time of
  his loan consummation,1 clearly states that we share certain customer information for our everyday
  
  1 A copy of our Privacy Notice is published on our website and is provided to consumers at the time of loan origination.
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ******, ******
  April 20, 2023
  Page 2 of 2
  
  business purposes such as the processing of customer transactions, maintaining customers’ accounts,
  responding to court orders and legal investigations, or reporting to credit bureaus. Our Privacy
  Notice further provides that a customer choosing to do business with us cannot limit our sharing when
  it is related to the above-mentioned business purposes, i.e. reporting to credit bureaus.
  
  We hope that we have been able to address Mr. ******’ concerns to his satisfaction. Should he have
  any questions, please direct him to contact our Customer Relations Department at ******* ********.
  
  Sincerely,
  
  SFC OF ILLINOIS, LLC
  
  Melia ******* M*****
  Senior Corporate Counsel
  

• Initial Complaint

  Date:02/06/2023

  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 had a loan with Security Finance in ************, GA that I did honestly default on in 2013 when I lost my job, which was charged off in 2014. It has been 9 years, and this incident has already been removed from my credit report. This business location from South Carolina is now reporting this as a 2022 balance and claiming that it was taken out in 2022. They issued me a 1099-C with an incident date of 06/13/2022, which shows that they are editing their records to suit their own needs. I regret ever working with this business as they were very unprofessional when I lost my job in 2013 and very aggressively pursued me for payments that I could not make. I asked them to work with me, and they were never willing. They even called my family members asking them to make my payments for me. I thought my nightmare experience with them was over, but now they are trying to bring this back up as though it is a brand new debt. If this pursuit continues, I will simply sue them with a lawyer who is willing to help me do so.

  

  Business Response

  Date: 03/13/2023

  March 3, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ******, *****
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on February 6, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the results
  of our investigation are as follows.
  
  On October 24, 2013, Ms. ****** obtained a loan in the amount of $855.00 from our Security Finance
  branch office in ************, Georgia, and agreed to repay the loan in nine monthly installments of
  $95.00 each beginning November 24, 2013. Despite representing her willingness and ability to repay
  the money loaned to her, Ms. ****** made no payments on her account, and it was subsequently
  charged off on May 31, 20141.
  
  Ms. ******’s allegations include the following: 1) that she obtained a loan with our company in 2013
  which was charged off in 2014; 2) that her account was later removed from her credit report; 3) that
  she received a 1099-C with an incident date of June 13, 2022; 4) that we are reporting that this loan
  was obtained in 2022 with a balance owed; 5) that we are “editing our records to suit our needs;” 6)
  that we aggressively pursed collections on her account; and 7) that we contacted her family members
  asking for payment on her account. Ms. ****** requests a correction to her credit report.
  
  We are unable to substantiate Ms. ******’s allegations through our investigation. We are able to
  confirm that Ms. ****** obtained a loan in 2013 which charged off in 2014 after her default.
  Additionally, we did issue a 1099-C for the year of 2022 which correctly displayed the amount of debt
  discharged as well as the date of the identifiable event (i.e., the discharge of the debt). The issuance of
  a 1099-C does not, in any way, relate to credit reporting of the underlying debt account. The 1099-C
  represents, for income tax purposes, a statement of the amount the creditor has discharged related to an
  account after a certain period of time. The Internal Revenue Service (IRS) requires that creditors issue
  
  1 We typically charge off accounts when it has been at least 180 days since a payment has been received due to the
  unlikelihood that a payment will be forthcoming in the near term. Charging off an account is a discrete accounting event
  and in no way affects a customer’s contractual obligations under his/her loan agreement. As such, charged-off accounts are
  reported to the credit reporting agencies and will typically remain on a consumer’s credit report for seven years from
  delinquency.
  
  ******
  
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ******, *****
  March 3, 2023
  Page 2 of 2
  
  1099-C forms to debtors for whom the creditor has discharged a debt of $600 or more. Because we
  have discharged the debt related to Ms. ******’s 2013 account in the amount of $678.90, we are
  required to issue her a 1099-C form. Due to our internal business rules, the timing for the 1099-C
  issuance related to calendar year 2022. Our review of the account confirmed that we are no longer
  reporting the account to the credit bureaus to which we report.2
  
  With respect to Ms. ******’s allegations regarding contacting her family members regarding her
  account, unfortunately, due to the age of Ms. ******’s account, our collection notes have been purged.
  However, per our policy, we contact our customers and their references for collection purposes after the
  account has become delinquent. In addition, a second telephone call on a given day is only made if contact is
  not successful on the first attempt.
  
  We appreciate that Ms. ****** took the time to notify us of her complaint and hope that we have
  addressed her concerns to her satisfaction. If she has any further concerns or questions, including those
  about the 1099-C, please have her contact our Customer Relations Department at 1-(866) ********.
  
  Sincerely,
  
  SECURITY FINANCE OF GEORGIA, LLC
  
  
  
  
  Melia ******* M*****
  Senior Corporate Counsel
  
  /jbd
  
  
  
  2 We report only to TransUnion and Equifax.
  
  ******

• Initial Complaint

  Date:01/23/2023

  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 am not liable for this debt with SECURITY FINANCE CORPORATION and do not have a contract with convergent. They do not provide me with the original application like I asked.

  

  Business Response

  Date: 02/08/2023

  January 27, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ****** ********
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received on January 23, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the results
  of our investigation are as follows.
  
  After a diligent search of our records, we are unable to identify a customer account with the name and
  other identifying information provided in this complaint. If Ms. ***** will provide us with additional
  identifying information, including the last four digits of her social security number, loan number or
  branch name, and city and state where the loan was obtained, we would be happy to research her
  complaint further. Customer service is extremely important to us, and we would appreciate the
  opportunity to more fully research Ms. *****’s claims.
  
  Additionally, Ms. *****’s complaint references an entity by the name of “Convergent.” Perhaps Ms.
  ***** is referring to an account held in her name and/or being collected by Convergent Outsourcing,
  who we understand to be a third party debt collector. We do not have any business relationship with
  Convergent Outsourcing or utilize their debt collection services. As such, Ms. ***** may have
  intended to file this complaint against Convergent Outsourcing rather than us.
  
  If Ms. ***** has any questions or would like to provide additional information so that we can fully
  research this matter, please direct her to contact our Customer Relations Department at ************
  **** and ask to speak with ******** *******
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF ALABAMA
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  

• 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.

  Pulls my credit multiple times without my permission. Has given me multiple hard inquiries on my credit. When I called and asked about the hard inquiries a newer team member couldn’t tell me the reason. I called again talked to someone else and she said it couldn’t be removed and hard inquiries don’t affect my credit that much over a period of time. I’ve only given them permission to pull my credit once but it’s been done three times unauthorized.

  

  Business Response

  Date: 02/02/2023

  January 26, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ******** *********
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received January 17, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the
  results of our investigation are as follows.
  
  On September 23, 2022, Ms. ******* obtained a loan in the amount of $900.00 from our
  Security Finance branch office in Columbia, South Carolina, and agreed to repay the loan in 10
  monthly installments of $90.00 each beginning October 23, 2022. Despite representing her
  willingness and ability to repay the money loaned to her, Ms. ******* has made one untimely
  payment on her account. To date, her account is delinquent for the months of October through
  December 2022 and January 2023.1 A copy of her loan agreement and payment history is
  enclosed.
  
  We understand Ms. ******* to allege the following:
  
  1. We conducted multiple hard inquiries on her credit report without her authorization.
  
  2. When Ms. ******* initially asked us about the hard inquiries, we told her that we were
  unable to provide an explanation as to why we conducted the inquiries.
  
  3. After Mr. ******* questioned us about the inquiries a second time, we told Ms.
  ******* that the credit inquiries could not be removed from her credit report but that the
  inquiries would not significantly affect her credit score over a period of time.
  
  She requests a correction to her credit report.
  
  1 Ms. ******* made a $90.00 payment on December 9, 2022, but failed to pay the late fees associated with the
  delinquent payment(s). Ms. *******’s loan agreement calls for a late charge of the greater of $9.20, or 5% of any
  payment not made within 10 days after its scheduled due date.
  
  BBB of Upstate South Carolina, Inc.
  Re: ******** *********
  Page 2
  
  We are unable to substantiate Ms. *******’s allegations. Our investigation indicates that after
  Ms. *******’s account became delinquent on the above-referenced account, we attempted to
  contact her using the telephone numbers she provided in the application she completed in
  connection with the above-referenced loan. When Ms. ******* did not respond to our
  communication efforts nor attempt to communicate with us for an extended period of time, we
  initiated an inquiry on her credit report on November 17, 2022, and January 11, 2023, to obtain
  updated location and related information for her to aid in our collection efforts. Obtaining a
  consumer credit report for “review or collection of an account of the consumer” is wholly
  permissible under Section 604(a)(3)(A) of the Fair Credit Reporting Act (“FCRA”). As a result,
  our credit inquiries were permissible, and we have no obligation to remove them.
  
  Additionally, our investigation indicates that we spoke with Ms. ******* on December 1, 2022,
  regarding the credit inquiry conducted on November 17, 2022, but we were unable to discuss the
  inquiry with Ms. ******* as she became upset and terminated the call without warning. We,
  again, spoke with Ms. ******* on December 5, 2022, but the conversation only involved
  discussion of an upcoming payment.
  
  With respect to the impact, if any, that our credit bureau inquiries may have had on Ms.
  *******’s credit, we note that as a data furnisher we have no visibility into or control over the
  various proprietary scoring methodologies utilized by the credit reporting agencies. If Ms.
  ******* has not already done so, we suggest that she contact ******* and/or **********
  directly to inquire as to whether the credit inquiries have negatively impacted her credit score
  and, if so, the reasons therefore.
  
  Ms. ******* should note that according to the requirements of the FCRA, any consumer
  disputing information on his or her credit report must notify the creditor of the dispute in writing
  with detailed information regarding the specific information that is being disputed. The
  consumer must also explain the basis for the dispute and include all supporting documentation to
  substantiate the basis of the dispute. The dispute must be mailed to the address designated by the
  creditor.
  
  We have designated the following address for any disputes:
  
  Customer Relations and Disputes
  **** *** ****
  ************ ** *****
  
  Upon receipt of a dispute which conforms to the above requirements and which contains
  additional identifying information, we will research and respond to the dispute within the
  timeframe required by the FCRA.
  
  We hope that we have been able to address Ms. *******’s concerns to her satisfaction and clear
  up any misunderstanding. If she has any additional questions, please direct her to contact our
  Customer Relations Department at ****************.
  
  124271
  
  BBB of Upstate South Carolina, Inc.
  Re: ******** *********
  Page 3
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF SOUTH CAROLINA
  
  Tonya *. R*******
  Corporate Counsel, Compliance

• Initial Complaint

  Date:01/03/2023

  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 noticed I had late payments from PFS on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

  

  Business Response

  Date: 01/27/2023

  January 19, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: *******, ********
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received January 3, 2023, via email
  notification. We have investigated this matter with the assistance of our operations team and the
  results of our investigation are as follows.
  
  On February 10, 2022, Ms. ******* executed a Retail Installment Contract (“Contract”) in
  connection with her purchase of a 2013 BMW X3 (the “Vehicle”) through ********* **** Auto
  Brokers, Inc., a Georgia automobile dealer (“Dealer”). We, in turn, purchased the Contract from
  the Dealer. The terms of the Contract included 48 monthly payments of $400.09, each due by the
  10th of each month beginning March 2022. Ms. *******’ loan agreement called for a late fee of
  $50.00, or 5% of the payment, whichever was less, to be applied to her account if she did not
  make a payment within a 10-day period of its due date. On April 28, 2022, Ms. ******* requested
  that her monthly payment due date be changed to the 20th of each month beginning April 2022,
  and we granted her request.
  
  Ms. ******* alleges we are reporting late payments for the tradeline associated with the above-
  referenced loan to her credit report, even though the majority of her payments were timely. She
  also alleges that she did not receive any notice that her account was past due. She requests
  removal of the late payments from her credit report.
  
  We are unable to substantiate Ms. *******’ allegations through our investigation. Our
  investigation indicates that Ms. ******* failed to make nine of the 10 monthly installment
  payments for the months of March through December in a timely manner. For example, Ms.
  ******* made a payment on March 31, 2022, towards her monthly installment payment that was
  due on March 10, 2022, but she failed to fully satisfy the total amount due for that monthly
  installment until June 20, 2022. She also failed to fully satisfy her April payment until June 20,
  2022. Additionally, Ms. ******* did not make her May, June, or July payments until August 5,
  2022, and did not make her September and October payments until November 3, 2022. Even
  then, Ms. ******* failed to fully satisfy her October payment until December 1, 2022. Ms.
  
  BBB of Upstate South Carolina, Inc.
  Re: *******, ********
  Page 2
  
  ******* made her November monthly payment on December 1, 2022 and her December monthly
  payment on January 16, 2023.
  
  With regard to Ms. *******’ claim that she had no knowledge that her account was delinquent,
  we believe this to be inaccurate. We regularly mail monthly account statements to our customers
  unless the customer has opted-out of receiving such statements. Our investigation indicates that
  Ms. ******* opted-out of receiving monthly paper statements by mail on March 31, 2022.
  
  Our customers have the option to download our Mobile Application (“Mobile App”) which gives
  customers the ability to view account information, make payments, and select preference options
  (among other conveniences) at any given time. Our investigation indicates that on March 31,
  2022, Ms. ******* utilized the Mobile App to make a payment and affirmatively clicked to opt-
  out of receiving paper statements by mail at 1:12 p.m. It is important to note that even though
  Ms. ******* outed-out of receiving monthly paper statements by mail, she has access to and is
  able to view her account status and other relevant account information via the Mobile App or
  Customer Web Portal1 at any time. Nonetheless, upon receiving this complaint, we have verified
  that going forward, Ms. ******* will receive monthly paper statements by mail, at the address we
  have on file for her.
  
  Furthermore, out of an abundance of caution, we are extending a one-time courtesy to Ms.
  ******* and are in the process of submitting requests to the credit reporting agencies to whom we
  report, Equifax and TransUnion, to remove Ms. *******’ delinquent payment history. Please note
  that we are neither affiliated with nor have any influence over the consumer reporting agencies
  that maintain consumer credit reports and, as such, we cannot guarantee that they will grant our
  request to update this account.
  
  We thank Ms. ******* for taking the time to notify us of her concerns and hope that we have
  been able to address them to her satisfaction. If she has any further questions, please direct her to
  contact our Customer Relations Department at 1-866-********.
  
  Sincerely,
  
  PROFESSIONAL FINANCIAL SERVICES OF GEORGIA, LLC
  
  
  
  
  Tonya * R*******
  Corporate Counsel, Compliance

• Initial Complaint

  Date:12/19/2022

  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 applied for a loan in Nov ONLINE FOR 300$ AND It is STILL PENDING.I received a loan in person but I feel it should be removed from my bureaus and from security finance.I was approved for 900$ in person.I can't access all my documents online.Information is different online than on documents.

  

  Business Response

  Date: 01/03/2023

  December 27, 2022
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********* ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received December 17, 2022, via email
  notification. We take all complaints received seriously and have thoroughly investigated this
  matter with the assistance of our operations team. The results of our investigation are as follows.
  
  Ms. ******** alleges she applied for a loan online, and that her online application is still
  pending despite obtaining a loan in-person thereafter. She requests deletion of the online
  application from our records and from the credit reporting bureaus.
  
  Upon receipt of Ms. ********’s complaint, we withdrew the application she initiated online on
  November 25, 2022, from our system. Since Ms. ******** did not complete the application
  process, a hard credit inquiry was not conducted for this application. Pursuant to our obligations
  under the Fair Credit Reporting Act (“FCRA”) and Equal Credit Opportunity Act (“ECOA”), we
  mailed an adverse action notice to Ms. ******** based on the withdrawal of her application.
  
  We appreciate that Ms. ******** took the time to notify us of her concerns and hope that we
  have been able to address them to her satisfaction. If she has any further concerns, she can
  contact our Customer Relations Department at *****************
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF SOUTH CAROLINA
  
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance

• Initial Complaint

  Date:12/09/2022

  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 purchased used car. Car lot went out of business. My fiance company has not transferred my tag. Dmv in Florida is asking them for title number Before they can do so. PFS told me they would apply for lost title. I'm have original 30 day tag on my car. Please help.

  

  Business Response

  Date: 01/18/2023

  PROFESSIONAL FINANCIAL SERVICES
  OF FLORIDA, LLC
  CORPORATE OFFICE
  **** *** ***
  ************ ** **********
  ****************
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  
  January 11, 2023
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********* *******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received December 9, 2022, via email
  notification. We have investigated this matter with the assistance of our operations and customer
  relations teams. The results of our investigation are as follows.
  
  On October 1, 2021, Mr. ******** executed a Retail Installment Contract and Security
  Agreement (“Contract”) in connection with his purchase of a 2012 ***** ** (“Vehicle”)
  through **** ****** ** **** ***. (“Dealer”). We, in turn, purchased the Contract from the
  Dealer. The terms of the Contract include 48 monthly payments of $384.22 each due by the 31st
  of every month beginning October 31, 2021. A copy of the Contract is enclosed.
  
  Mr. ******** alleges that he purchased the Vehicle from Dealer and that Dealer subsequently
  went out of business before completing and/or filing the necessary title and tag paperwork with
  the Florida Department of Motor Vehicles (“FL DMV”). Mr. ******** further alleges that he has
  been unable to obtain a current tag for the Vehicle and that the FL DMV requires a title number
  in order to issue a tag for the Vehicle. Mr. ******** requests that we, as the lienholder, help
  provide the title for the Vehicle.
  
  Our investigation shows that the Dealer filled out the title application, but did not follow through
  on completing the process of submitting the title paperwork to the FL DMV. We are diligently
  working with the FL DMV to resolve this issue, but we may require the assistance of Mr.
  ********. We respectfully ask that Mr. ******** contact our branch office to discuss this issue, or
  at a minimum, respond to our attempts to communicate with him via telephone.
  
  We regret any inconvenience this issue has caused Mr. ********. We appreciate Mr. ********’s
  business and that he took the time to notify us of his issue. If Mr. ******** has any questions or
  would like any further information, please direct him to contact either our branch office or our
  Customer Relations Department at *****************
  Better Business Bureau
  Re: ********* *******
  Page 2
  
  
  Sincerely,
  
  PROFESSIONAL FINANCIAL SERVICES OF FLORIDA, LLC
  
  
  
  
  Tonya *. R*******
  Corporate Counsel, Compliance
  

• Initial Complaint

  Date:11/29/2022

  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.

  Nov 28 2022 I applied for a loan with security finance online and was approved but when I called I was told my credit score was too low and that it had to be a 550, so I wasn't approved for the loan over the phone but I was approved online.I want to receive a loan.

  

  Business Response

  Date: 12/22/2022

  December 16, 2022
  
  BBB of Upstate South Carolina, Inc. via Online
  Attn: Cindy R*****
  
  Re: BBB Complaint: ********* ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This will acknowledge the above-referenced complaint received November 30, 2022, via email
  notification. We take all complaints received seriously and have thoroughly investigated this matter
  with the assistance of our operations team. The results of our investigation are as follows.
  
  On November 25, 2022, Ms. ******** obtained a loan in the amount of $900.00 from our Security
  Finance branch office in Kingstree, South Carolina, and agreed to repay the loan in 10 monthly
  installments of $90.00 each, beginning December 25, 2022.
  
  We understand Ms. ******** to allege that she applied for a loan online with us, and we approved
  her loan application. However, when she called our office to discuss the loan, she was told that her
  credit score did not meet our underwriting criteria, and we ultimately denied her loan application.
  Ms. ******** requests that we approve her application for a loan.
  
  We are unable to substantiate Ms. ********’s allegations. Our investigation indicates that on
  November 25, 2022, Ms. ******** applied for a loan online with us, and later that afternoon, she
  personally visited our branch office to finalize the loan process for the above-referenced loan. At
  that time, while Ms. ******** was in our office, she received the funds associated with the above-
  referenced loan. Our investigation further indicates that on November 28, 2022, we received a
  telephone call from another lending company in connection with Ms. ********’s application for a
  loan with that lending company. Based on Ms. ********’s complaint, it appears she may be
  mistaking us with the other lending company that she applied to for a loan.
  
  As stated above, Ms. ******** did apply for a loan with us on November 25, 2022, she was
  approved for the above-referenced loan, and she received the proceeds from the above-referenced
  loan that same day.
  
  We thank Ms. ******** for taking the time to notify us of her concerns and hope that we have been
  able to address them to her satisfaction. If she has any further questions, please direct her to contact
  our Customer Relations Department at **************.
  
  
  ******
  BBB of Upstate South Carolina, Inc.
  Attn: Cindy R*****
  Re: ********* ******
  Page 2
  
  Sincerely,
  
  SECURITY FINANCE CORPORATION OF SOUTH CAROLINA d/b/a SECURITY
  FINANCE