Complaints

This profile includes complaints for Full Circle Financial Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Full Circle Financial Services, LLC

  12425 Race Track Rd STE 100 Tampa, FL 33626-3102

• 

  Full Circle Financial Services, LLC

  PO Box 2365 Oldsmar, FL 34677-2193

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:06/25/2024

  Type:Order 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.

  Got a letter in the mail about a loan with Simple Fast Loans I never took out a loan with Simple Fast Loans in 2020. They were writing me letting me know of a amount of $1637.55 which I never took out. I told them it was fraud. It looks like it was done online and my name was Esigned I didn't authorize this plus it is not on my credit report this cannot be mine.

  Business Response

  Date: 06/26/2024

  We have reviewed all communication with *********************** and find that all efforts to collect this debt were legally compliant and professional. In our conversation with ****************** on June 24th, 2024, she advised that "this was not her debt".  Our agent, per our policy and procedure asked ****************** to please file a police report. ****************** told our agent that she didn't want to file a police report because "she was in jail when the loan was made".  Our agent encouraged ****************** to file an affidavit with the FTC.  We asked her to send us one of those reports (police report or FTC affidavit) as soon as she had finished.  Once ****************** provides one of those two items, we will contact the debt owning client and let them know that this is being investigated for fraud.  

  We look forward to helping ****************** resolve this matter quickly and compliantly.

  Customer Answer

  Date: 06/26/2024

   
  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:12/19/2023

  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.

  I ordered a sweeper from SharkNinja on 4/8/2023 for a total of $105.99. I used my bank debit card and on 4/12/2023 the full amount of $105.99 was pulled from my account by Shark Ninja. I received my sweeper shortly after this. On 5/23/2023 I received a collection letter in the mail from Full Circle Financial Services, LLC trying to collect the $105.99. After several lengthy conversations with ***** and getting nowhere (their only resolution was that i could pay them the $105.99 again) i called the collection company and was told they were closing this out. That has not been the case. I get continuous emails from them and letters in the mail. I even sent them proof of payment on 11/13/2023. They still continue to harass me. This sweeper was paid in full BEFORE it was shipped to me. SharkNinja is an absolute nightmare to deal with as is this company. Apparently proof of payment isn't enough to close the case.

  Business Response

  Date: 12/21/2023

  ******************** dispute of debt was initially received on 5/31/2023. Full Circle Financial Services sent ************ a VOD on 10/3/2023 after validating the balance provided by original creditor. On 11/27/2023 ************ notified us that she had sent proof of payment. Full Circle Financial Services never received that proof of payment so we reached out to the original creditor, Shark, that same day.  Shark responded -  Nothing was paid with us.  Then on 12/19/2023 Full Circle Financial Services received correspondence from ************ showing the date of prior payment with proof.  Full Circle Financial Services sent that proof to Shark who acknowledged on 12/20/2023 that the account was previously settled.  The account was closed and returned to Shark on 12/20/2023.  Full Circle Financial Services does not report to the credit bureaus so there should not have been any effects on ******************** credit.  A review of all account notes did not yield anything that suggsts that Full Circle Financial Services did not act legally or compliantly.
  

  Customer Answer

  Date: 12/21/2023

   
  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.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:07/31/2023

  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.

  Earlier this year I made a purchase from SharkNinja using PayPal pay in 4. Unfortunately, ********** waited almost 2 months to actually ship the product. Since it was over 30 days after the original purchase date, PayPal declined the transaction and I was left with a balance of $127.19. After spending hours of my time on the phone and emailing with **********, attempting to give them money that no one was ever able to take from me, I finally was able to get to someone who was willing to take my money. The amount of $127.19 was paid to SharkNinja on 5/23/23, and cleared on 5/25/23. I have a transaction confirmation email as well as an email from SharkNinja customer service confirming my payment had cleared on their end. Now I am receiving emails from Full Circle Financial Services stating that I'm in collections for the $127.19 that I already paid to SharkNinja! My account needs to be closed and taken out of collections immediately. I have attached emails from SharkNinja prove my transaction was cleared.

  Business Response

  Date: 08/01/2023

  According to our account notes, ************** never contacted FCFS for debt validation or dispute.  FCFS does not report delinquent accounts to the credit bureaus.  As the result of this BBB notice, FCFS contacted Shark, who confirmed on 8/1/2023 that this account was prior paid and should not have been sent to FCFS.  We have closed the account in our system and Shark has removed ************** from collections.  Thanks for the opportunity to make this right for ***************

   

  Customer Answer

  Date: 08/01/2023

   
  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.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:06/16/2023

  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.

  On Monday August 30th 2021, I received a letter stating my payment arrangement with Full Circle financial Services stating that from the original balance of $13,506.12, Axiom Acquisition Ventures is willing to receive $6,482.00 to close and repay this account by paying $270 on the 30th of each month. The arrangement was to be concluded on 8/30/2023 with a final payment of $272.00. Since then, all my payments have been made with no problem. On March 24th 2023 a payment for the amount of $270 was made to Full Circle Financial Services and they claim that the payment was returned due to my personal bank account being closed. My personal bank account is not closed and has been an active account for a long time. I spoke to my bank and the claim they have no records of any statements about my bank account being closed. All my payments have been consistently done out of this account. I had no knowledge this issue had taken place. Consequentially, on April 25th, 2023, I made a another payment for $270 and it was returned to my account on May 5th, 2023. I noticed this and thought it just needed time to fully go through. The same happened on May 22nd and May 31st, respectively. I decided to call Full Circle Financial Services today to find out about the issue and I was faced with the reality that my account with ********************** had fallen in default on my payment arrangement since March 2023 and that my account had been given to Absolute ********************** I had no knowledge of such change nor I was informed. As a result, Absolute ********************* in addition with Axiom Acquisition Ventures (current/original creditor) will look to redo the repayment option, which will extend the duration of repayment or perhaps have me liable for the full current balance of $13,506.12.

  Business Response

  Date: 06/19/2023

  /****************** entered into a payment agreement (through a debt settlement company) that started on 9/30/2021. On 3/24/2023, ****************** attempted to make a payment through the payment portal.  By 3/27/2023 that payment was returned as NSF. At that time, the debt settlement company informed us (Full Circle Financial Services) that ****************** was no longer enrolled in the debt settlement agreement so per our policies and contractual requirements, we returned the account back to the original creditor ******************** Corp.The settlement agreement, as outlined in the settlement letter, clearly states that if payments are returned for any reason, the account will not be considered resolved and the settlement offer is withdrawn.
  
  We have reviewed every communication with ****************** and found each and every communication to have been professional, compliant, and perfectly aligned with our agreement.
  
  Update as of  6/19/2023 we spoke with ****************** today and we are collaborating with him to honor the original settlement agreement per his wishes.  We will continue to communicate with ****************** with the goal of meeting his/our goals regarding the outstanding balance once we have coordinated with ARC and debt settlement company.

• Initial Complaint

  Date:03/09/2023

  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.

  I have been wrongly sent to collections at Full Circle by SharkNinja for a product that I returned. I purchased a Shark Flexstyle on 12/28/22 with a PayPal payment plan. However the Flexstyles were on back order and I did not receive the product until February of ************************************************************************ late January. Because of this PayPal voided the payment plan and denied the transaction. PayPal voids all payment plans that take longer than 30 days to process. I was not alerted to this issue by PayPal and wasnt aware until I got a notice from Shark that they were planning to send me to collections if I didnt pay. As far as I knew- I did pay! I called them and tried to sort this out but PayPal was telling me to talk to Shark and ***** was telling me to talk to PayPal. Finally, I just decided to return the product. I have a tracking number that proves that I returned the product and they received it in late February. However, they sent me to collections anyways and the collection agency (Full Circle Financial Solutions) is trying to get me to pay for a product that I already returned! ***** refuses to help me any further and claims the issue is out of their hands because they already sent me to collections. My ideal resolution would be to have the issue corrected with the collection agency but I am also okay with paying the collection agency and being sent a replacement product. I dont want to pay for a product that I dont have. I also dont want my credit impacted for something that I did my best to amend.

  Business Response

  Date: 03/09/2023

  Ms. ****** account was placed with us on 3/7/2023.  Per our policy, one email was sent regarding the account balance and notifying her that the account had been placed with Full Circle Financial Services.  **************** summary regarding the account, we have closed the account and are returning the account to the original creditor, including her summary explanation.  Full Circle Financial Services does not report to the credit bureaus. 

  Customer Answer

  Date: 03/09/2023

   
  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.
  

  I ask that Full Circle send email verification that they have returned the account to Shark Ninja. My email is ***********************. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:12/20/2022

  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.

  This occurred on 12/20/2022 Full Circle called to collect a debt which I proceeded to tell them I have received their letter and was reviewing to figure out how to proceed. They went through two representatives on the phone who tried to force me into giving them a date and time I can transact which at the time I explained I couldnt do, they also told me it didnt matter that they were calling me during my workday. They then proceeded to curse me out in the back round when they thought I was on hold. When I spoke up and told them they werent on hold and I could hear everything they were saying they then hung up on me. Not very professional. If I was the company who used them I wouldnt reevaluate them.

  Business Response

  Date: 01/03/2023

  We have reviewed the call from a compliance and legal perspective and found that it met industry standards.  We are reviewing the call with the agents and if we find that the call did not meet our professional standards, the agents involved will be reprimanded per our internal policies and procedures.

  Customer Answer

  Date: 01/03/2023

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

• Initial Complaint

  Date:08/24/2022

  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.

  I keep receiving correspondence about a debt that I do not owe. When I go to the website to dispute the debt, no form exist on their website. ********************

  Business Response

  Date: 08/30/2022

  Business Response /* (1000, 5, 2022/08/25) */ Full Circle does have an account for Ms. *****. To date, we have never made contact with Ms. ***** by phone. We have only ever sent letters that are compliant, and meet all requirements for the collection of delinquent debts. We have never received any correspondence from Ms. ***** - either to dispute the debt or other communications. On the front page of Full Circle Financial Services' website(https://fullcirclefs.com/), under the customer center tab, consumers can dispute a debt or also submit a complaint. Ms. ***** can also call us directly to dispute a debt as detailed in the letters we have sent to her. OUr number is XXX-XXX-XXXX.

• Initial Complaint

  Date:06/24/2022

  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.

  My mom is receiving letters that she owes money. My mom has no debt and has passed away last week. I would like this business to no longer send letters to the address listed.

  Business Response

  Date: 07/11/2022

  Business Response /* (1000, 5, 2022/06/27) */ Full Circle Financial Services LLC does currently have an account associated with Ms. *******. We are very sorry for your recent loss and look forward to quickly resolving this outstanding matter. The account has been placed on hold pending verification of your newly provided information. Please send us a death certificate so that we can immediately close the account and we will notify the original creditor of this change in account status. The death certificate can be sent to us at: **************@fullcirclefs.com or call us at ************ and we will provide other options for verifying.