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:03/18/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have purchased rims and tires from Extreme customs using Pay tomorrow. My bank was hacked and I needed to set my automatic payments back up again with them. It was extremely difficult to get in touch with them. I finally got them to set my account back on automatic payments and they still reported my account to my ********************** even though they are taking my payment every other week out of my account and I was not past due or missed any payments. I have emailed them over 20 times without any responses at all. I have proof of this as well. They are taking the payments out of my account and I only owe them like 290$ but they are reporting to my credit that I am not paying them. I would not use this company at all!! I would like you to please take the negative remarks off of mt credit.

  Business Response

  Date: 04/07/2025

  Dear Jazmine,
  Thank you for your follow-up regarding Complaint ID ******** submitted by ******** *******. After thoroughly reviewing the details, we can confirm that this complaint was filed against the wrong business.
  Credit Lending Services is not affiliated in any way with the companies referenced in Ms. ******** complaint, including "Extreme Customs" and "Pay Tomorrow." We do not sell or finance rims and tires, nor do we engage in any business activities related to automotive accessories or retail. Furthermore, we do not operate in the state of *****, nor do we provide consumer lending services in ******
  Our company is a long-established lending firm with no connection to the individual named in this complaint or the companies she references. We have never had any accounts, transactions, or communications with Ms. ******** and her complaint appears to be based on a mistaken identity or misdirected filing.
  We respectfully request that this complaint be immediately removed from our records, as it is completely unrelated to our company and may mislead consumers or impact our business reputation if left uncorrected.
  Please confirm once this matter has been resolved, or let us know if any additional documentation is needed to support our position.
  
  
  

  Customer Answer

  Date: 04/15/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, but I never selected the Credit lending company I informed you guys it was pay tomorrow through extreme customs. My account number with them is Plan ***** Extreme Customs. Can you please correct the company and send this to the right company? 
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  Date:02/07/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Helpful Lending is predatory lending that resulted in me paying almost twice the amount I borrowed. They are a scam business and I need a refund.

  Business Response

  Date: 02/19/2025

  I am writing to formally respond to the recent complaint filed against Credit Lending Services. Upon reviewing the details, it is clear that this complaint was submitted in error.
  The complaint in question pertains to a company named "Helpful Lending." Credit Lending Services has no affiliation, past or present, with Helpful Lending. We do not have any business relationship with the customer mentioned in the complaint, nor have we ever conducted transactions under the name Helpful Lending.
  We kindly request that this complaint be removed from our records, as it does not pertain to our company. Please confirm once this matter has been resolved, or let us know if any additional information is needed.

• Initial Complaint

  Date:12/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an email fromHelpful Lending. It says that I have a loan for $1000 at ******% interest. I would never have made a loan with that amount of interest. ********** has an open claim.

  Business Response

  Date: 12/19/2024

  ******* ******** has made a false claim to the BBB.  He claims that a company called Helpful Lending sent him a letter and this is why he filled the complaint. The name of our company is called Credit Lending Services,Inc. We have never been Helpful Lending. We are not associated with Helpful lending at all. We have never even had Mr ******** as a customer of our company, **********************.  We also do not do business in ****** and never have.   Mr. ******** filed a false complaint, the BBB needs to do a better job vetting complaints so that false information is not spread through there website. 

• Initial Complaint

  Date:06/21/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a car through credit lending services. I made payments and I was nearly done with paying off my car and I was in a huge accident that totaled the car out. We settled on an amount through insurance.Now 2 years later Credit lead services is trying to go after me for the whole amount of what that car used to be valued at: over $17,000 I Need to dispute this this is no longer my debt

  Business Response

  Date: 07/01/2024

  Credit Lending Services does not sell cars.  We are an indirect finance company.  ****************** purchased a vehicle from L & S Automotive, LLC and we financed it for her.  She did get in an accident but the insurance claim was denied. The insurance company never paid of the vehicle.  We have been trying to collect the balance of the loan since and have had to hire an attorney to get paid.  We have yet to be paid for the vehicle that ****************** financed.

  Customer Answer

  Date: 07/02/2024

   
  Complaint: 21880455
  
  I am rejecting this response because this no longer falls on myself to take accountability of action for a claim that should have been covered by insurance. The party at fault for this, had insurance explain to me on the phone the option I opted for: would have covered my loan AND she informed me the check sent would cover medical expenses for injuries, due to the severity of accident. This has threatened my livelihood now that this is being tossed my way.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 07/08/2024

  If she is rejecting the fact that the insurance company should have paid off the loan they why doesn't she call the insurance company and have them pay for the loan.  At this point we have not been paid by any insurance company and her insurance denied the claim.

• Initial Complaint

  Date:02/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The creditor contacted me and offered me a loan and provided a payment schedule that would allow me to pay off the loan in installments. I accepted the offer because I knew I could pay off loan sooner than what the payment plan required to avoid additional interest. However once I accepted the loan my payments were not being applied to the principal balances as advised. The loan was for the amount of $500 the loan was taken out on 3rd of November. Ive made 7 payments of ****** and not one cent has been applied to balance. This company is not right they are crooks and they misrepresented the loans terms and now they have me tied into paying them 100x what the loan amount was for.

  Business Response

  Date: 02/16/2024

  We are not Helpful lending, We are credit Lending Services.  The customer does not and has never had any type of loan with our company.  Helpful Lending is not affiliated with Credit Lending Services at all. The customer submitted this complaint to the wrong company. Based off the image provided by the customer they have to reach out to Helpful Lending.

• Initial Complaint

  Date:05/30/2023

  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.

  Falsely added items to my credit report

  Business Response

  Date: 06/27/2023

  The customer ********************** report is accurate and has nothing to do with advertising as we do not advertise. The customer has filed a false ******************** complaint.

• Initial Complaint

  Date:05/30/2023

  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.

  Credit Lending Services keeps reporting an account to keep it on my my credit report even though it is over seven years old. Ive disputed it 4 times already with no change to my credit report. What they are doing is illegal, unfair and against the law.

  Business Response

  Date: 06/27/2023

  Customers credit is correct, Balance still owed on auto loan debt.

• Initial Complaint

  Date:02/10/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  January 17th 2023 My vehicle was repoed and I believe I'm rail roaded mistreated by the a few of the employee's at the company.. ************************* known as ********* has played on my emotions him and his fellow employees by changing the prices of a charge on the vehicle put a damage claim on the vehicle prolong the holding of the vehicle just to time it out so that they can sell the vehicle ************************* ********* has has been rude nasty and playing me from day one I believe they are trying to sell the vehicle which is just about paid off to pocket the money which the vehicle is just about paid off now I owe the credit union so he skeemed me from day with prolonging time so I would be able to pay what they want and push me to sign a contract after the prolonging. I explained that I had troubles out of state so I had to to leave at the time and couldn't produce all the money so as I said ************************* has been using that to bend the rules and push me off of course with getting the cat back with accusations and made lies again trying to time out of getting the car back ***** and ********************* is helping. Point is these guys ************************* ********* in particular has put me through a bad ordeal since January 17th ****** has repeatedly called my phone harassing me leaving messages saying call him on his personal phone he's at home called me after hours while I was home visiting family which I explained to him that I'm dealing with a death and personal situations that's why I flew home and couldn't put up most of the money. When he called after hours telling me something was wrong with the vehicle after having it for almost two wks said he didn't know what was wrong but I could just pay what I had and get the insurance when I get the car back told him I'd call when I get back home from ************ then he called and text again the next 24 hrs after I explained where I was and why. It's such heavier this these few words like I text earlier ****** has been rail reading me since.

• Initial Complaint

  Date:10/27/2022

  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'm filing the complaint because they've been contacting me every day about my car payment, even though I've been saying that I can't do a payment at the moment because right now I am struggling ************ currently looking for a job, and have been unlucky on finding one, they said they understand yet keep pushing me to make a payment, even telling me to look for a loan to pay off a payment or anything. I've been saying sorry that the payments aren't consistent on monthly and only paying whenever I can. Now today they contacted my main and old phone number (now my sister uses it), also my mothers phone, then included me and my sister in a group chat stating that they're gonna saying I need to get my loan current or they will surrender it. Called them back to discuss my ********** gave me attitude ****** ********* gonna make a payment or ******** then also doesn't notify me for safety reasons for us that the call is being recorded how they usually do it when I pay over the phone at their office, also yet again, telling me to get a loan to make a payment, though I've stated with them multiple times I'm not financially stable to afford to get loans or anything, only able to use whatever I can afford. Then proceeds to text me saying "he said will pay tomorrow this amount." Though I said I'll try and make a payment tomorrow with whatever I have and apologies on missing calls, just been busy looking for a job mainly. Also, have been making payments so they know I'm not trying stop paying it, just struggling with payments.

  Business Response

  Date: 11/18/2022

  Consumer Response /* (-5, 5, 2022/10/28) */ I'm emailing because I wanted to add on to the complaint that I've filed yesterday for Credit Lending Services. Case #*******. The complaint I'd like to add on is I received a text from the number I've provided yesterday saying "Hi *********, did uhappen to get the 213.90." At 10 am, even though i stated to him that I'll try and make some type today on Friday, I called asking why am I getting a text about the payment when the day isn't over yet, it just started? Then proceeds to tell me to get my stuff together and continues to insult me over the phone saying it's not hard to get a job or find a way to borrow money. I've told him again that I've been unlucky to find a job or even find the amount to pay the full amount that they are asking, then proceeds to cut me off saying "We have your address, aren't you wanting to claim the title for the vehicle? Just pay it and get it done." Business Response /* (1000, 6, 2022/11/07) */ It is your contractual obligation to make the payments on time every single month that you have the loan. When you purchased the car and signed the sales contract outlining the terms of the loan you would have read that there is no grace period. If you do not pay you are in default. The law gives us the right to repossess our collateral if the contract is broken. We offer help even though the law does not require us to which we have given you with an deferment. There is nothing else we can do. Its important to understand when you make a large purchase like a vehicle that you know all of your finances and have a safety net in case you get hurt and cant work or loose your job. Its not a finance companies position to give you more time because you were unable to manage your finances better.