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:02/25/2025

  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.

  VALIDATION AND CEASE AND DESIST?? LCS Financial Services Corporation ? ************************************************* ? Account number:? ******* ? ***** *********** ? ***************************************************************************************************** ? Dear LCS Finanical Services Corporation ? I recently received a debt collection notice from your office. I am writing to verify that you have?? contacted the correct individual and to request that you provide documentation confirming this.?? Please supply me with a copy of any contract or agreement signed with your company or the?? original creditor.?? In accordance with the Fair Debt Collection Practices Act (FDCPA), I request the following?? information:?? 1.?? The name and address of the original creditor and the current creditor.?? 2.?? Verification of the debt amount you are seeking to collect, including evidence that?? a contract exists creating the amount you claim is owed.?? 3.?? Documentation of all assignments showing the transfer of the debt from the?? original creditor to the current creditor.?? 4.?? Proof that the original creditor securitized the debt.?? 5.?? Documentation showing the assignments of the debt from the original creditor to?? the secured trust and then back to the original creditor.?? Please cease and desist from collecting on this debt until you have provided validation of the?? debt.?? Additionally, I request that you do not access my credit report or report anything to my credit?? bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my?? credit report if you have already reported this debt.?? Permissible Purpose?? Please state your permissible purpose for accessing my credit information. I dispute your right?? to do so.?? Notification to Other Collectors?? I dispute that I owe this debt to you. Should you transfer this debt to another collector, please?? inform them of my dispute regarding the validity of this debt.??

  Business Response

  Date: 03/18/2025

  Thank you for giving us the opportunity to respond. The account was placed with us by our client; our office does not own the account and our office has not made a report to any credit agencies. Documentation of the account is being sent to the consumer's address.

• Initial Complaint

  Date:01/26/2025

  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.

  This is a complaint against LCS MEDIATION SERVICES supposedly located at this address:***************************************************. They first called my cell 2 weeks ago and when I answered this woman said I owed them money. When I asked her for what, she screamed and said I was going to jail. Last week the week of January 13- 25, 2025, called my work which is a school and left threatening messages to me about, they would be sending someone out to my place of work and I need to have the HR person present and 2 types of ID. I called this number ************** and spoke to a Mr. ***** ******** and told him that he was sending threatening to a school. He told me knew what type of car I drove and said it and called out my bank and I never responded. He called me unchristian, a liar, and several other names. He emailed me a letter and it said that I owed money to a online company called *******. I told him and sent a scanting letter saying that I have never opened this account and to stop calling me and my school or he will be prosecuted. I need to know is this scam and what or who I need to contact. This is very uncalled for and I need retributions for the embarrassment and undue stress this has caused me. I also asked for proof of their lie. A debt validation letter.

  Business Response

  Date: 02/03/2025

  Thank you for giving us the opportunity to respond. This complaint is for another company. We are not affiliated with ************* Services. They appear to be related to a company called *************** Services in *******.

  Customer Answer

  Date: 02/03/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:01/21/2025

  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.

  ***** company trying to profit off an old, discharged debt by adding on an outrageous fee amount. - No detailed listing of the added fee(s)- No documentation on the original debt - The **** Mr ****** became rude and combative

  Business Response

  Date: 02/03/2025

  Thank you for giving us the opportunity to respond. This letter and complaint are for another company. We are not affiliated with ************* Services. They appear to be related to a company called *************** Services in *******. Please see the address on the attached letter.

• Initial Complaint

  Date:11/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *** has bought my student loans and they refuse to consolidate my loans and they want me to pay an amount of money monthly THAT I CANNOT AFFORD. I can pay back, but not $600 a month!@!

  Business Response

  Date: 12/06/2024

  Thank you for giving us the opportunity to respond. Please note that this office is not a lender and cannot consolidate loans. Our office is willing to discuss payment arrangements in amounts smaller than $600 per month with the consumer and has done so on several occasions. If the consumer needs a temporary hardship arrangement, he can bring that up with one of our agents and they will be happy to explore payment options with him. Our office denies that it has refused to offer the consumer a reasonable payment arrangement.

• Initial Complaint

  Date:11/26/2024

  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 am not liable for this debt LCS Financial services I do not have a contract with this collection agency reporting to my credit report. they did not provide me with the original contract as requested

  Business Response

  Date: 12/09/2024

  Thank you for giving us the opportunity to respond. Our office does not allege that the consumer has a contract with our office and our office is not reporting to the consumer's credit. Our office was assigned a business fuel card account for collection from the consumer and his business. We do not have a record of the consumer previously requesting a copy of the contract, but we have ordered a copy from our client and it will be sent to the consumer when received.

  Customer Answer

  Date: 12/12/2024

   
  Complaint: 22607845
  
  I am rejecting this response because:

  the company has bought the debt from ****** financial please provide me the contract that I have signed with you saying that I owe this debt to LCS 
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  Date:09/24/2024

  Type:Billing 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.

  On 9/24/24 I was contacted by LCS Financial Services regarding a amount owed by debtor ********. I was told I could setup a payment plan which i agreed I would. As soon as I hung up the phone with the ***resentative, I receive a credit alert which shows a credit inquiry was done on my credit ***ort from LCS Financial Services without my knowledge. When I called LCS Financial Services the *** says, "Yeah my boss will sometimes pull credit to see if you will pay and what the best option is". This is an unacceptable practice, and I demand LCS Financial Services update my credit to have the inquiry removed immediately.

  Business Response

  Date: 09/24/2024

  Thank you for giving us the opportunity to respond. Please note that our office has a permissible purpose to make credit report inquiries with regard to account recovery and doing so is not inappropriate or unethical. Please also note that while the consumer may have received notice of the inquiry after the phone call in which an arrangement was discussed, the inquiry was made during the phone call in order to have the best information with which to evaluate the account and the offers being discussed. That being noted, we have requested removal of the inquiry as a show of good faith to the consumer.

  Customer Answer

  Date: 09/24/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:08/28/2024

  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.

  Company called multiple times and left messages. When you call back and asked what the purpose was, they hang up. Did get transferred to person describing that they were in charge, they yelled at me, threatened a process server and litigation action... garnishment. Would not provide service dates for supposed bill, contact information for supposed debtor, amount of charges or any letter of verification for the debt. Just that I was dead beat for not paying a bill that I explained I never was part of. Said they would be serving me at my house or work... hung up on me.My name is ******************* I'm giving you a call regarding if you still documents that require your signature immediately. You will need to be available between the hours of *************************************************************************************************************************************************** and a witness. Understand if we do serve you at your job you will need your supervisor or manager or someone from the HR department to sign off as a witness for you. If we do not get you at your shop we will be stopping by your home and we will still need those two forms of ID and a witness. If you have any further questions or if you would like to place a stop order on the service contact the filing party immediately at ************.

  Business Response

  Date: 08/29/2024

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office is not a law firm and does not claim to be one and we do not own or operate the phone number ************. We do not have an employee named *******************. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We have had issues in the past with a company using the names LCS Mediation, ********* or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. Recently, we have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on recent information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the ********************************** as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received or the name of the person the caller is attempting to contact, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

• Initial Complaint

  Date:08/06/2024

  Type:Customer Service 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.

  Company calls from different numbers, cussing being rude saying the cops were coming to my house, they have my last 4 of social. However they are not a real company doing collections for people. These people are scammers my lawyer already checked them out when they said I was going to be detained. They call starting at 6 am an speak very very unprofessional, they use fake names an if you call the number back they hang up then somehow bam the number you are calling is disconnected ..SCAM....

  Business Response

  Date: 08/06/2024

  Thank you for giving us the opportunity to respond. We have searched our records and do not find an account in the consumer's name or find any calls made by our office to the phone number provided. Our office is not a law firm and does not claim to be one. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We have had issues in the past with a company using the name LCS Mediation or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. We have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on recent information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the Georgia ************************** as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information.

  Customer Answer

  Date: 08/06/2024

   
  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.
  It seems these companies are spamming the real creditors. Is there a way to track them by chance. 
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/04/2024

  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.

  On July 2, 2024, ************************* of ************ (******* area code) called me and said that he was a process server in ******************* badge number 034. He then gave me a case number 075 *****. He told me it was from FJM Law. And he gave me their phone number to call them which is *************. They connected me to *************************. I talked with **************** and he claimed that he was from FJM law and implied that he was a lawyer by his comments (acting like a lawyer) during the conversation, but did not say he was a lawyer.* 2 conversations later on the 3rd I asked him if he was an actual lawyer. he said no he is a paralegal. But he said things like I'm going to use all this in court against you, I'm going to wage garnish you for 10 years. He also accused me of fraud multiple times. He claims I owe $3000+.He said he has my SSN. It is possible for your SSN to get stolen. I denied ever knowing anything about this alleged credit card or debt. Explained he had one address that wasn't mine and my most current address of 5 months. **************** violated multiple (FDCPA) code violations 809 15 USC 1692g ************* ****** 90003(a), and a couple of others. Threatening me, falsely accusing me of alleged crimes. ** Also this alleged debt stated by **************** of FJM Law and LCS group consulting is from 2004-2007. This is ******************************************* ("TIME-BARRED") HAS PASSED FOR ALMOST 13 YEARS! In all 50 states. This is TIME-BARRED! ** I tried to explain I wanted written proof of this alleged debt (repeatedly over 3 calls to him). I was told "NO" many times. He repeatedly argued and said "NO" it was my debt!! I also plan to make a report with the State of California and Florida *********************** about LCS Group and FJM Law. **I called the Polk County ************** on 7/3/2024 and they searched this case number **************** had confirmed. The clerks' office said MY NAME AND THIS CASE NUMBER ARE NOT IN ANY SYSTEM.

  Business Response

  Date: 07/05/2024

  Thank you for giving us the opportunity to respond.  Our office is not affiliated with LCS **************** and does not now and has not ever employed a company called FJM Law for any purpose. We do not have an open account in our system in the consumer's name and no record of having contacted him. This complaint has been made to our company in error. 

• Initial Complaint

  Date:05/27/2024

  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.

  On May 22nd I was contacted by this company through a blocked number they left a message stating they had documents that were to be served to me and I needed to show proof of my ID and the called me by the wrong name and stated my two most recent address and left a reference number, I did not respond but they also contacted my sister and left the same message, she then forwarded me the message. I am not sure who they are but I can tell it is a scam.

  Business Response

  Date: 06/07/2024

  Thank you for giving us the opportunity to respond. We have searched our records and cannot find a record of having contacted the consumer or anyone associated with the consumer. Our office is not a law firm and does not claim to be one. Our office takes compliance very seriously and any employee that engaged in the behavior described would be terminated. We have had issues in the past with a company using the name LCS Mediation or just LCS that appears to engage in the type of behaviors described and have reported it to multiple states' attorneys general. We have also been made aware this company may be using the name *************** Services or a shortened version of our name as just LCS Financial. We are not affiliated with any of these companies and are attempting to contact them regarding use of our trademarks. Based on recent information from another consumer, we believe the party likely making contact with this consumer is *************** Services, LLC based out of *******. Our office has filed a complaint with the Georgia ************************** as beyond the use of a name confusingly similar to ours, the reported behavior does pose a risk to consumers. We encourage investigation into this company. If the consumer continues to believe this office is making contact and would like to provide additional information about the dates and times at which calls were received, we are happy to investigate further. At this time, as it does not appear we have a file for the consumer, we have no reason to make contact and will not do so absent a request for additional information