ComplaintsforLighthouse Finance Solutions LLC

• Initial Complaint

  06/27/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  A warning to anyone that will use this service: a year ago I signed up for this service and their legal services. Due to their lawyers' neglect, I now have no money to pay for food, gas, or even my mortgage. I was served by a creditor in Aug '23 and promptly forwarded the papers to this company and kept the faith that they would handle it for me. This week I get a call from my bank that my money is on hold due to a garnishment. This company KNEW I was getting sued and completely ignored it. Add to that the girl on the other line chuckling saying that had my back and they'd fix it, etc, thinking it's cute and all fun...... Today I was left with $11 dollars in my account, suffering a loss of about $7000. Do NOT put your faith in this company, speak with a bankruptcy lawyer first, I promise it's not that big of a deal. These people took about 11k in total, I lost all my money saved and other, not to mention another $2000 for a bankruptcy lawyer to fix the mess they have left me with. Attached is a photo of an email that would give anyone a heart attack. Stay safe everyone

  Business response

  06/28/2024

  Thank you for bringing **************** concern to our attention. A positive client experience is very important to us at Lighthouse Finance Solutions, and we were disappointed to hear that we weren't able to meet **************** expectations. ************ enrolled in our program just over one year ago, and in that timeframe, we were able to settle four of eight of the tradelines included in the program. She was well on her way to graduating our program and becoming debt free, perhaps even earlier than the 48-month program term.

  Unfortunately, one of the remaining creditors took aggressive action that is outside of the norm in this industry. ************ canceled our program on 6/26/24. Once we received this notification from the BBB, we immediately contacted her to help resolve her concerns to the best of our ability. We issued a full refund of fees paid into her legal plan and took steps to get those funds back to her as quickly as possible. We are also working together with ************ to recover fees charged by her bank. We will follow up with her next week after receiving guidance from the plan attorney to determine if funds can be recovered from the law firm.

  Customer response

  06/28/2024

   
  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. While we are still working on the solution, they are doing everything they can to correct the issue, whether or not the funds can be recovered, I know it will be best effort their part. 
  
  Sincerely,
  
  ***************

• Initial Complaint

  08/11/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  The purpose of this complaint is regarding a company by the name of Lighthouse Finance Solutions. I have reached out to this company about information that I have received from *********. I tried to refinance my loan, but they stated that Lighthouse Finance Solutions is on my credit report showing that they represent me in a depth settlement program, which is false. I have no knowledge of this company and I have not given them any money to represent me for anything, and I have not given them any information about me. When ********* gave me their phone number and name, I immediately reached out to them. A lady by the name of ***************************** confirmed that I have nothing with them, and she sent me an email to give to ********* saying that I am not enrolled in this program. Today 08/11/2023 when I reached out to ********* about the document I uploaded to them, A lady by the Name of ******* who works for ********* stated that the company Lighthouse Finance Solutions advised them that they currently represent me but sent me an email stating that I am not enrolled in their program. Telling them one thing and me another. I never heard of this company but what concerns me is that they are on my credit report when they should not be which is causing me to not move forward with my refinance with *********. The company is Fraudulent and hurting my credit. I need them to remove themselves from my credit report because I have not signed any documents with them to represent me in any kind of way. I hired a Senior Credit Consultant to work on my credit so that they can tell me more about whats going on. This company is obviously a scam and I need them to take themselves off my credit report. I am submitting supporting communication messages that shows communication that I have had with both parties. I don't want a creditor on my credit report whom I have not had dealings with in all fairness to me. I would like for Lighthouse Finance Solutions to reach out to ********* informing them that they have never represented me in anything which would be the truth so that I can fix my account with ********* whom I have been with for almost 2 years now.

  Business response

  08/25/2023

  Hi ****** / BBB Office I hope this finds you well.
  
  This consumer complaint was written by a ************** in *****, and we have been in communication directly to resolve the matter.
  
  Note that ************** is not a client of ours.  
  
  We do however have a client by the same name that lives in ********.  When we learned of this complaint and reached out to the consumer **************, we were able to conference over to ********* on a recorded line.  There, we spoke the Manager ******** (sp?)who immediately apologized and took full responsibility for the false information placed on Ms. ****** account regarding our company. 
  
  BMG also pleaded with **** that she removes the BBB complaint on our company, Lighthouse Finance Solutions,to which ************** gracefully has said she wants to do. 
  
  ********* admitted to both the consumer who made this complaint (our non-client)and our company that they placed false information on her account, which ultimately led the non-client to make this complaint on our company. 
  
  After we had that conversation with BMG, and after finding out what we actually do for our clients, ************** asked me to email her my contact information should she need our services in the future, to which I did (see attachment). 
  You will also see in the email attached that ************** would like to delete her complaint entirely on the BBB, as she was misled and wrote a complaint on a company to which she was never a part of, or knew about. 
  
  Through this process, ************* was very understanding and quite helpful in getting to the bottom of this rather frustrating experience for all parties involved.  BMG also stated to ************** that they will make right by her, to which I cant say they have yet or not.
  
  Ive included ************** within this email as well for your records, and so in the spirit of transparency you can see that there isnt anything misleading here being stated.
  
  We request, given this information above, that you please delete/remove the complaint from our business page so no one can every view, locate or see this misleading information about our firm.
  
  Should you have any questions, or require anything else of Lighthouse or **************,please dont hesitate to reach out.
  
  NOTE:  Ive also sent this through the portal online, however the attachment was too large to go through, and I was not able to copy in ***************
  
  Thank you,
  -MS

  -----
  *******************
  LIGHTHOUSE FINANCE SOLUTIONS
  *********************************
  Direct:************  Ext 3117
  Fax:************
  
   
  
  CONFIDENTIALITY NOTICE
  This E-mail message and any documents which accompany it are intended only for the use of the individual or entity to which addressed, and may contain information that is privileged, confidential or exempt from disclosure under applicable law. If the reader is not the intended recipient, any disclosure, distribution or other use of this E-mail message is prohibited. If you have received this E-mail message in error, please delete and notify the sender immediately. Thank you.

   

  Customer response

  08/25/2023

   
  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. Mr. **** was very helpful with my complaint that had nothing to do with Lighthouse Finance Solution. We both found out that the mistake was not with Lighthouse Finance Solution, it was with BMG Finance. BMG Finance had my name and account information mistaken with someone else account. After speaking with Mr. ***** he Immediately reached out to ******** who is the Supervisor at BMG Finance so that we could solve this matter quickly in which we did. I do apologize to Mr. **** and the Lighthouse Finance **************** for everything that happened, I would like for BBB to PLEASE delete/remove my complaint about Lighthouse Finance Solution from their business page so that it will not be misleading in any kind of way. The resolution was resolved that BMG Finance had caused because they took care of the matter. I am satisfied with the resolution. 
  
  Sincerely,
  
  *******************

  Business response

  08/25/2023

  Thank you.  Will/has this complaint been removed/deleted?

   

  -MS

• Initial Complaint

  04/23/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have been calling for over a week in regards to cancellation and having them give me the money I put into the savings account. The man I spoke with over the phone was very rude. They still have not sent me a cancellation email. This process of simply canceling with them because I cant afford it anymore has been frustrating. Upon signing up with this company the manager told me this is completely your money, you can pull money out and if you cancel at anytime we will refund you whats yours Ive gotten no answer. No help. I just want my money back to me

  Business response

  04/24/2023

  We've been in communication with ************************ as recent as 4/21 via a phone call she made to customer service and this morning we connected with her and updated her on the cancellation process.  **************************** desire to cancel was processed accordingly as requested, however, client was unaware that these funds are sent to her via check.  We've since advised her that the check has been voided and an ACH return has been initiated for her to help.  Client was thankful for the information, we apologized for any misunderstanding.  A cancellation email was also sent to her on 4/21 @ 3:05 PM EST shortly after her call with our **************** was concluded, that confirmed her cancellation.  We advised that it may be in her spam box.  Client stated she was thankful for the contact and ACH, and would be contacting the BBB to retract this complaint.  We advised to ************************ that we would also be responding to the complaint.  In just a few short months in our program, we were successful in placing her into settlements on 75% of her accounts enrolled, and we advised her she is welcome to come back at anytime.  Thank you.

• Initial Complaint

  12/06/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I used the services provide by lighthouse solution since April, 14, 2021. This is supposed to be a credit relief program. I enroll with a total of $20,967.33, total debt. They negotiate and settle with the banks for a total of, $12,205.58. As, of December, 5th, I have paid them a total of $13,042. They are still telling me that I have to pay up until 3/14/25 which will be another $10,417.13!!! This will bring the total that I will be paying to $23,459.13. Im currently on a monthly plan and I pay $******. I have also given them around ***** extra in the past year to finish the program faster and to them it seems that that money went to other fees because Im still scheduled to finish the program as if I was paying only ****** without any extra money added. Mind you the ******, was supposed to be for a term of 48 months. So why am I still paying for 48 months when I have giving them an extra ***** dollars ?! Also, they say my credit wouldnt be affected but all my credit cards have been late on my credit report since I started the program. Cant get a definite answer from them and I was hoping you guys can help me out. Thank you

  Business response

  12/27/2022

  To Whom it may concern,

  Upon receipt of the complaint, Company reached out to the Consumer to discuss with him the nature of his allegations against Company. After discussing the matter with the consumer, it appeared that there was some confusion arising regarding the remainder of his program. The parties were able to clear up the confusion, and Company went forward in good faith gesture to the customer and waived a portion of its fees. The consumer was grateful, and the matter was resolved. The parties agreed that upon completion of the items discussed and waiver of the fees said to be waived, the Consumer will advise the BBB that the matter no longer at issue and the consumer agreed to withdraw the complaint.

  Should you have any questions please do not hesitate to contact me at ************ or via email at **********************************

  Regards,

  *********************, Esq.

  General Counsel

  Customer response

  12/27/2022

   
  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.
  

  they werent above and beyond and fixed everything for me. Thank you to BBB for helping all this come together. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  04/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They where hired to consolidate our debt which they have done ,except one of our credit card accounts which ended up going to ***************** court from an attorney for the card company ,they dropped the ball on this one ,we sent them the money they said would resolve the account still is not settled

  Business response

  04/27/2022

  To whom it may concern,
  
  After looking into the matter, the customer enrolled 8 accounts, 7 of which Company was able to resolve. Company has been in constant contact with client in effort to resolve the last issue, and even had a counsel reach out to the creditor.Company agreed to refund the total amount added by consumer toward the resolution of the contested account, and allow consumer to withdraw the account from the program. Consumer agreed to remain in the program in order to complete all pending settlements until completion. We will continue to communicate with the consumer in effort to ensure her issues are resolved to her satisfaction.
  
  Regards,

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

*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. ↩