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Business Profile

Consumer Finance Companies

CAR Financial Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

This profile includes complaints for CAR Financial Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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CAR Financial Services, Inc. has 21 locations, listed below.

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    Customer Complaints Summary

    • 19 total complaints in the last 3 years.
    • 5 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/19/2024

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      Any future dealers I would stay far away from this business, so I had been working a bulk deal with car financial and another bank due to car financial holding some of my bhph accounts. This had been going on for about a month and half or so, we get to the very end of the deal. Car financial send me a contract I sign it and they sign it then moments later they telling me that there was an error on the contract. Then when asked to verify the error they cant explain why they are wanting 11k more. Then one of the **** calls me and tells me some BS about just have this bank buy all the deals since they want to buy them. So far financial already had premeditated intentions to BS at the very end of this deal to attempt to get more money. Waste of time this place if you do business with them run by a lawyer first it will save you the headache!

      Business Response

      Date: 01/06/2025

      See attached

    • Initial Complaint

      Date:11/26/2024

      Type:Order Issues
      Status:
      Answered
      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 under Car Financial Services **** , I do not have a contract with Car financial services *** they did not provide me with the original contract as i requested.

      Business Response

      Date: 12/02/2024

      We are not able to locate a customer with the information that was provided.

      Customer Answer

      Date: 12/02/2024

       
      Complaint: 22610139

      ***** ********* account ending in 3115.

      Sincerely,

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

      Business Response

      Date: 12/02/2024

      We are still not able to locate a customer with the information that was provided.  Please provide us with a full account number or last 4 of a social.

      Customer Answer

      Date: 12/05/2024

       
      Complaint: 22610139

      Last four of ssn are 1124

      Sincerely,

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

      Business Response

      Date: 12/13/2024

      See attached

      Customer Answer

      Date: 12/13/2024

       
      Complaint: 22610139

      I am rejecting this response because:

      According to FCRA section
      605B it is illegal to report anything on my credit report without my permission.


      Please remove this item.

      Sincerely,

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

      Business Response

      Date: 12/17/2024

      See attached

      Customer Answer

      Date: 12/17/2024

       
      Complaint: 22610139

      I am rejecting this response because:

      not one single payment has ever been made to CAR financial. The contract I received was signed and set up with ****** auto sales. I have not given permission for CAR to use my credit and there is no legal contract that bings me to them. This is illegal under FCRA Laws.

      Also, the payment history reflecting in my credit does not match my payments made in the vehicle. Not only is this an unauthorized account on my credit report but the reporting information is incorrect.

      please remove from my credit immediately.


      Sincerely,

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

    • Initial Complaint

      Date:07/19/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the ************************** and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the ***** which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!CARFINSVCS *********

      Business Response

      Date: 07/24/2024

      See attached document

    • Initial Complaint

      Date:06/13/2024

      Type:Billing Issues
      Status:
      Answered
      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 filing this complaint because I believe this company is not treating me right. I bought a car from ************ in **************** and I am financing the car through CAR financial services. Both disco motors and CAR financial services has given me the run around about why my car loan isnt being reported to any credit agencies. I have emailed and called them and they tell me that if I want it to show on my credit report I have to get my bank to buy the LOAN from CAR financial services and refinance through my bank. Or I can default on the loan and then they will report it to all credit agencies. I do not understand why they wont report my loan. I am building my credit and I have not missed a payment and I think they are hiding something from me because I dont understand why they wouldnt report my car loan unless I default on the loan. I really just want them to report the loan that Im paying on so I can continue to build my credit. Why should I have to get my bank or another loan company to purchase my loan just to refinance a car Im currently paying for? And why should I be forced to default just so I can have it show. I was gonna default on the last payment and have them report it and then pay it off when I see it on my credit report but I should not be forced to do these things.

      Business Response

      Date: 06/20/2024

      See attachment

    • Initial Complaint

      Date:05/11/2024

      Type:Order Issues
      Status:
      Answered
      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 CAR FINANCIAL SERVICES **** i do not have a contract with CAR FINANCIAL SERVICES **** they did not provide me with the original contract as i requested

      Business Response

      Date: 05/13/2024

      We are unable to locate an account using the information provided. 

    • Initial Complaint

      Date:04/25/2024

      Type:Order Issues
      Status:
      Answered
      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 **** with charter communications, I do not have contract with CARFINSVCS, they did not provide me with the original contract as i requested.

      Business Response

      Date: 05/01/2024

      See attached

    • Initial Complaint

      Date:04/04/2024

      Type:Order Issues
      Status:
      Answered
      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 CAR FINANCIAL SERVICES *** , I do not have a contract with Business Headquarters Location , they did not provide me with original contract as I requested

      Business Response

      Date: 04/15/2024

      See attached

    • Initial Complaint

      Date:03/05/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 paid off my vehicle and they havent corrected it on my credit accurately. I filed a dispute and nothing changed. I have asked for a promise to delete and they said they would and still hasnt. I have my title and my paperwork.

      Business Response

      Date: 03/13/2024

      See attached

    • Initial Complaint

      Date:02/27/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      late payment on my credit report.

      Business Response

      Date: 03/01/2024

      See attached

    • Initial Complaint

      Date:02/12/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      2/12/2024 On February 11 I tried to make a payment to my financial company that is leasing my car when I did so an error message appeared saying my account was an active and to call customer service. I have called customer service multiple times and have gotten no answer to resolve this problem. so instead, I called the dealership where I purchased my car and they had informed me that my account was an active because they assumed I was a different person which is completely unacceptable and not professional on their end. just because we have the same last name me and this person do not share the same social first name or even the type of car we drive. I have called and emailed this company and I still have gotten no response or even a call back on why this happened. I also was not given a formal written notice that my account was an active or even suspended nor was I contacted by email or phone number. so I have no way of paying my car note and now the dealership is requesting I paid them by cash app. This is not the first time I had an unprofessional relation with this company. The employees are very rude and they never answer the phones.

      Business Response

      Date: 02/14/2024

      See attached

    CAR Financial Services, Inc. is NOT a BBB Accredited Business.

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